Home > Dream First Bank > Performance and Condition Ratios
Dream First Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8413% | 255 |
| Cost of funding earning assets | 2.1619% | 691 |
| Net interest margin | 4.6793% | 487 |
| Noninterest income to average assets | 1.3600% | 440 |
| Noninterest expense to average assets | 2.8074% | 1,476 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.2010% | 335 |
| Return on assets (ROA) | 2.1409% | 364 |
| Pretax return on assets | 2.8058% | 251 |
| Return on Equity (ROE) | 23.7400% | 363 |
| Retained earnings to average equity (ytd only) | 20.5994% | 121 |
| Net charge-offs to loans | 0.2865% | 374 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 13.2280% | 2,117 |
| Efficiency ratio | 49.3452% | 4,020 |
| Assets per employee ($millions) | 7.0026% | 2,072 |
| Cash dividends to net income (ytd only)* | 13.2219% | 3,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8225% | 523 |
| Loan loss allowance to noncurrent loans | 225.9083% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.6273% | 869 |
| Noncurrent loans to loans | 0.8067% | 960 |
| Net loans and leases to total assets | 75.3900% | 1,190 |
| Net loans and leases to deposits | 85.1706% | 1,679 |
| Net loans and leases to core deposits | 110.0151% | 964 |
| Total domestic deposits to total assets | 88.5200% | 1,200 |
| Equity capital to assets | 8.7192% | 2,892 |
| Core capital (leverage) ratio | 8.9336% | 3,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5630% | 2,394 |
| Memoranda: | ||
| Average total assets | $547,579,800 | 1,623 |
| Average earning assets | $506,441,400 | 1,611 |
| Average equity | $49,385,000 | 1,627 |
| Average total loans | $416,394,400 | 1,437 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7239% | 247 |
| Cost of funding earning assets | 1.9919% | 716 |
| Net interest margin | 4.7320% | 443 |
| Noninterest income to average assets | 1.6000% | 364 |
| Noninterest expense to average assets | 2.6107% | 1,913 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.5600% | 253 |
| Return on assets (ROA) | 2.5437% | 252 |
| Pretax return on assets | 3.3423% | 179 |
| Return on Equity (ROE) | 27.9200% | 274 |
| Retained earnings to average equity (ytd only) | 23.5859% | 154 |
| Net charge-offs to loans | 0.3575% | 243 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 12.4079% | 2,069 |
| Efficiency ratio | 43.7039% | 4,246 |
| Assets per employee ($millions) | 6.8550% | 2,066 |
| Cash dividends to net income (ytd only)* | 15.5217% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9154% | 466 |
| Loan loss allowance to noncurrent loans | 127.3322% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 1.2017% | 374 |
| Noncurrent loans to loans | 1.5042% | 482 |
| Net loans and leases to total assets | 73.4600% | 1,410 |
| Net loans and leases to deposits | 80.5053% | 2,003 |
| Net loans and leases to core deposits | 103.3446% | 1,151 |
| Total domestic deposits to total assets | 91.2500% | 609 |
| Equity capital to assets | 8.0154% | 3,050 |
| Core capital (leverage) ratio | 9.0264% | 3,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8071% | 2,664 |
| Memoranda: | ||
| Average total assets | $523,415,750 | 1,678 |
| Average earning assets | $484,010,750 | 1,679 |
| Average equity | $47,688,250 | 1,653 |
| Average total loans | $396,814,500 | 1,472 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5175% | 258 |
| Cost of funding earning assets | 1.6643% | 943 |
| Net interest margin | 4.8532% | 370 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 2.6482% | 1,798 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6456% | 880 |
| Return on assets (ROA) | 1.6453% | 885 |
| Pretax return on assets | 2.1591% | 566 |
| Return on Equity (ROE) | 17.1600% | 1,074 |
| Retained earnings to average equity (ytd only) | 12.8589% | 827 |
| Net charge-offs to loans | -0.0660% | 4,443 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.0823% | 3,526 |
| Assets per employee ($millions) | 7.0012% | 1,926 |
| Cash dividends to net income (ytd only)* | 25.0438% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0457% | 386 |
| Loan loss allowance to noncurrent loans | 1,088.1333% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.1467% | 2,521 |
| Noncurrent loans to loans | 0.1880% | 2,531 |
| Net loans and leases to total assets | 76.4600% | 1,006 |
| Net loans and leases to deposits | 85.9534% | 1,506 |
| Net loans and leases to core deposits | 110.5777% | 803 |
| Total domestic deposits to total assets | 88.9500% | 1,278 |
| Equity capital to assets | 9.4332% | 2,210 |
| Core capital (leverage) ratio | 10.6657% | 2,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7781% | 1,998 |
| Memoranda: | ||
| Average total assets | $485,383,000 | 1,761 |
| Average earning assets | $449,192,667 | 1,759 |
| Average equity | $46,551,333 | 1,682 |
| Average total loans | $369,934,667 | 1,535 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2844% | 225 |
| Cost of funding earning assets | 1.2598% | 1,326 |
| Net interest margin | 5.0246% | 292 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.6614% | 1,767 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7245% | 787 |
| Return on assets (ROA) | 1.7218% | 782 |
| Pretax return on assets | 2.2559% | 525 |
| Return on Equity (ROE) | 17.7900% | 1,052 |
| Retained earnings to average equity (ytd only) | 13.8580% | 957 |
| Net charge-offs to loans | -0.1609% | 4,571 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.0857% | 3,592 |
| Assets per employee ($millions) | 6.9601% | 2,004 |
| Cash dividends to net income (ytd only)* | 22.1239% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2604% | 298 |
| Loan loss allowance to noncurrent loans | 526.2379% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.3910% | 1,322 |
| Noncurrent loans to loans | 0.4295% | 1,645 |
| Net loans and leases to total assets | 73.6800% | 1,245 |
| Net loans and leases to deposits | 82.1746% | 1,643 |
| Net loans and leases to core deposits | 110.8546% | 674 |
| Total domestic deposits to total assets | 89.6600% | 1,276 |
| Equity capital to assets | 9.7681% | 1,953 |
| Core capital (leverage) ratio | 10.9878% | 1,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7031% | 1,721 |
| Memoranda: | ||
| Average total assets | $472,530,000 | 1,809 |
| Average earning assets | $437,212,000 | 1,815 |
| Average equity | $45,721,000 | 1,718 |
| Average total loans | $355,439,000 | 1,593 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1713% | 231 |
| Cost of funding earning assets | 0.5622% | 1,056 |
| Net interest margin | 4.6090% | 243 |
| Noninterest income to average assets | 0.5500% | 1,854 |
| Noninterest expense to average assets | 2.9005% | 1,123 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4700% | 961 |
| Return on assets (ROA) | 1.4352% | 1,002 |
| Pretax return on assets | 1.8664% | 631 |
| Return on Equity (ROE) | 14.3400% | 1,451 |
| Retained earnings to average equity (ytd only) | 10.3067% | 1,068 |
| Net charge-offs to loans | -0.3291% | 4,676 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.2908% | 3,017 |
| Assets per employee ($millions) | 6.6402% | 2,232 |
| Cash dividends to net income (ytd only)* | 28.1206% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3044% | 263 |
| Loan loss allowance to noncurrent loans | 943.5446% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.2528% | 1,893 |
| Noncurrent loans to loans | 0.2442% | 2,301 |
| Net loans and leases to total assets | 73.3200% | 1,278 |
| Net loans and leases to deposits | 85.6212% | 1,345 |
| Net loans and leases to core deposits | 107.6001% | 688 |
| Total domestic deposits to total assets | 85.6400% | 2,820 |
| Equity capital to assets | 9.5804% | 1,943 |
| Core capital (leverage) ratio | 10.9226% | 1,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7821% | 1,697 |
| Memoranda: | ||
| Average total assets | $445,985,400 | 1,863 |
| Average earning assets | $412,452,200 | 1,869 |
| Average equity | $44,641,000 | 1,762 |
| Average total loans | $325,463,000 | 1,620 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9684% | 220 |
| Cost of funding earning assets | 0.4353% | 1,066 |
| Net interest margin | 4.5332% | 224 |
| Noninterest income to average assets | 0.5900% | 1,743 |
| Noninterest expense to average assets | 2.8320% | 1,186 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5074% | 839 |
| Return on assets (ROA) | 1.4597% | 914 |
| Pretax return on assets | 1.8902% | 596 |
| Return on Equity (ROE) | 14.4200% | 1,316 |
| Retained earnings to average equity (ytd only) | 10.3904% | 1,229 |
| Net charge-offs to loans | 0.0063% | 1,927 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 430.4000% | 358 |
| Efficiency ratio | 59.2141% | 3,221 |
| Assets per employee ($millions) | 6.4379% | 2,373 |
| Cash dividends to net income (ytd only)* | 27.9445% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0679% | 442 |
| Loan loss allowance to noncurrent loans | 1,064.7779% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.1449% | 2,593 |
| Noncurrent loans to loans | 0.1942% | 2,628 |
| Net loans and leases to total assets | 73.0700% | 1,173 |
| Net loans and leases to deposits | 86.2705% | 1,153 |
| Net loans and leases to core deposits | 103.3570% | 681 |
| Total domestic deposits to total assets | 84.7000% | 3,354 |
| Equity capital to assets | 9.4971% | 1,886 |
| Core capital (leverage) ratio | 10.8597% | 1,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0882% | 1,680 |
| Memoranda: | ||
| Average total assets | $441,278,250 | 1,892 |
| Average earning assets | $408,300,000 | 1,897 |
| Average equity | $44,668,500 | 1,785 |
| Average total loans | $319,614,750 | 1,640 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7459% | 238 |
| Cost of funding earning assets | 0.3931% | 964 |
| Net interest margin | 4.3528% | 251 |
| Noninterest income to average assets | 0.6673% | 1,472 |
| Noninterest expense to average assets | 2.7762% | 1,212 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4758% | 752 |
| Return on assets (ROA) | 1.4744% | 732 |
| Pretax return on assets | 1.9226% | 447 |
| Return on Equity (ROE) | 14.2631% | 1,050 |
| Retained earnings to average equity (ytd only) | 8.3017% | 1,512 |
| Net charge-offs to loans | 0.0484% | 912 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 55.4737% | 1,112 |
| Efficiency ratio | 59.0600% | 3,434 |
| Assets per employee ($millions) | 6.6331% | 2,223 |
| Cash dividends to net income (ytd only)* | 41.7957% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0957% | 454 |
| Loan loss allowance to noncurrent loans | 1,047.4164% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.1481% | 2,683 |
| Noncurrent loans to loans | 0.2001% | 2,709 |
| Net loans and leases to total assets | 72.4465% | 1,059 |
| Net loans and leases to deposits | 82.5999% | 1,205 |
| Net loans and leases to core deposits | 102.1712% | 581 |
| Total domestic deposits to total assets | 87.7078% | 2,692 |
| Equity capital to assets | 9.8029% | 1,819 |
| Core capital (leverage) ratio | 10.5682% | 1,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9698% | 1,715 |
| Memoranda: | ||
| Average total assets | $438,154,000 | 1,909 |
| Average earning assets | $405,994,333 | 1,920 |
| Average equity | $45,291,667 | 1,821 |
| Average total loans | $314,073,667 | 1,652 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5590% | 278 |
| Cost of funding earning assets | 0.3838% | 961 |
| Net interest margin | 4.1752% | 299 |
| Noninterest income to average assets | 0.5232% | 2,024 |
| Noninterest expense to average assets | 2.6711% | 1,424 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3226% | 957 |
| Return on assets (ROA) | 1.3204% | 945 |
| Pretax return on assets | 1.7204% | 656 |
| Return on Equity (ROE) | 12.4452% | 1,183 |
| Retained earnings to average equity (ytd only) | 8.5452% | 1,410 |
| Net charge-offs to loans | 0.0887% | 567 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 27.5588% | 1,169 |
| Efficiency ratio | 60.7868% | 3,400 |
| Assets per employee ($millions) | 6.4898% | 2,384 |
| Cash dividends to net income (ytd only)* | 31.3370% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2473% | 407 |
| Loan loss allowance to noncurrent loans | 480.5014% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.6880% | 826 |
| Noncurrent loans to loans | 0.4677% | 1,852 |
| Net loans and leases to total assets | 67.0265% | 1,306 |
| Net loans and leases to deposits | 74.8108% | 1,536 |
| Net loans and leases to core deposits | 92.0678% | 810 |
| Total domestic deposits to total assets | 89.5947% | 1,770 |
| Equity capital to assets | 9.9847% | 1,901 |
| Core capital (leverage) ratio | 10.6379% | 1,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6614% | 1,594 |
| Memoranda: | ||
| Average total assets | $435,021,500 | 1,928 |
| Average earning assets | $403,337,500 | 1,941 |
| Average equity | $46,154,500 | 1,850 |
| Average total loans | $306,681,500 | 1,676 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7604% | 386 |
| Cost of funding earning assets | 0.5728% | 622 |
| Net interest margin | 4.1876% | 498 |
| Noninterest income to average assets | 0.6282% | 2,031 |
| Noninterest expense to average assets | 2.6133% | 1,835 |
| Loan and lease loss provision to assets | 0.0350% | 2,354 |
| Net operating income to assets | 1.4956% | 1,026 |
| Return on assets (ROA) | 1.4986% | 1,072 |
| Pretax return on assets | 1.8697% | 787 |
| Return on Equity (ROE) | 13.9118% | 1,212 |
| Retained earnings to average equity (ytd only) | 10.0095% | 918 |
| Net charge-offs to loans | -0.0826% | 4,523 |
| Credit loss provision to net charge-offs | -59.2885% | 3,278 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8893% | 3,466 |
| Assets per employee ($millions) | 6.3022% | 2,489 |
| Cash dividends to net income (ytd only)* | 28.0505% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2747% | 399 |
| Loan loss allowance to noncurrent loans | 523.5162% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.7048% | 896 |
| Noncurrent loans to loans | 0.4345% | 2,052 |
| Net loans and leases to total assets | 70.8952% | 932 |
| Net loans and leases to deposits | 81.3865% | 1,110 |
| Net loans and leases to core deposits | 100.9363% | 495 |
| Total domestic deposits to total assets | 87.1093% | 2,471 |
| Equity capital to assets | 11.2725% | 1,626 |
| Core capital (leverage) ratio | 10.6752% | 1,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3749% | 1,718 |
| Memoranda: | ||
| Average total assets | $428,201,800 | 1,901 |
| Average earning assets | $397,363,600 | 1,915 |
| Average equity | $46,126,400 | 1,890 |
| Average total loans | $306,262,000 | 1,680 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7525% | 441 |
| Cost of funding earning assets | 0.6267% | 553 |
| Net interest margin | 4.1259% | 623 |
| Noninterest income to average assets | 0.6429% | 2,041 |
| Noninterest expense to average assets | 2.5602% | 1,953 |
| Loan and lease loss provision to assets | 0.0465% | 2,067 |
| Net operating income to assets | 1.5171% | 1,230 |
| Return on assets (ROA) | 1.5201% | 1,270 |
| Pretax return on assets | 1.8705% | 1,001 |
| Return on Equity (ROE) | 14.2746% | 1,323 |
| Retained earnings to average equity (ytd only) | 10.3410% | 1,217 |
| Net charge-offs to loans | -0.0953% | 4,590 |
| Credit loss provision to net charge-offs | -68.4932% | 3,181 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2310% | 3,390 |
| Assets per employee ($millions) | 6.3941% | 2,342 |
| Cash dividends to net income (ytd only)* | 27.5566% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3409% | 363 |
| Loan loss allowance to noncurrent loans | 490.3819% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.7140% | 1,036 |
| Noncurrent loans to loans | 0.4774% | 2,127 |
| Net loans and leases to total assets | 67.5242% | 1,371 |
| Net loans and leases to deposits | 76.1121% | 1,659 |
| Net loans and leases to core deposits | 89.9404% | 1,036 |
| Total domestic deposits to total assets | 88.7168% | 1,448 |
| Equity capital to assets | 10.9719% | 2,042 |
| Core capital (leverage) ratio | 10.1105% | 2,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2585% | 1,551 |
| Memoranda: | ||
| Average total assets | $429,689,750 | 1,917 |
| Average earning assets | $398,935,750 | 1,927 |
| Average equity | $45,758,500 | 1,922 |
| Average total loans | $306,246,750 | 1,705 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8888% | 415 |
| Cost of funding earning assets | 0.6544% | 556 |
| Net interest margin | 4.2344% | 552 |
| Noninterest income to average assets | 0.6742% | 1,912 |
| Noninterest expense to average assets | 2.4909% | 2,174 |
| Loan and lease loss provision to assets | 0.0697% | 1,658 |
| Net operating income to assets | 1.5655% | 1,131 |
| Return on assets (ROA) | 1.5684% | 1,182 |
| Pretax return on assets | 2.0497% | 753 |
| Return on Equity (ROE) | 14.8776% | 1,191 |
| Retained earnings to average equity (ytd only) | 12.8927% | 740 |
| Net charge-offs to loans | -0.1150% | 4,669 |
| Credit loss provision to net charge-offs | -84.2697% | 3,039 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0729% | 3,794 |
| Assets per employee ($millions) | 6.5083% | 2,166 |
| Cash dividends to net income (ytd only)* | 13.3412% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2617% | 394 |
| Loan loss allowance to noncurrent loans | 120.6758% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 1.7127% | 287 |
| Noncurrent loans to loans | 1.8742% | 539 |
| Net loans and leases to total assets | 69.3458% | 1,281 |
| Net loans and leases to deposits | 78.0817% | 1,615 |
| Net loans and leases to core deposits | 93.6234% | 923 |
| Total domestic deposits to total assets | 88.8119% | 1,380 |
| Equity capital to assets | 10.8964% | 2,070 |
| Core capital (leverage) ratio | 9.8677% | 2,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8761% | 2,014 |
| Memoranda: | ||
| Average total assets | $430,118,000 | 1,907 |
| Average earning assets | $399,446,333 | 1,912 |
| Average equity | $45,343,333 | 1,919 |
| Average total loans | $309,592,000 | 1,702 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9937% | 358 |
| Cost of funding earning assets | 0.6871% | 574 |
| Net interest margin | 4.3066% | 512 |
| Noninterest income to average assets | 0.6952% | 1,884 |
| Noninterest expense to average assets | 2.4108% | 2,466 |
| Loan and lease loss provision to assets | 0.1394% | 966 |
| Net operating income to assets | 1.6426% | 1,035 |
| Return on assets (ROA) | 1.6478% | 1,074 |
| Pretax return on assets | 2.1533% | 741 |
| Return on Equity (ROE) | 15.8969% | 1,035 |
| Retained earnings to average equity (ytd only) | 11.8621% | 1,182 |
| Net charge-offs to loans | -0.0308% | 4,183 |
| Credit loss provision to net charge-offs | -625.0000% | 3,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3257% | 4,061 |
| Assets per employee ($millions) | 7.1178% | 1,717 |
| Cash dividends to net income (ytd only)* | 25.3807% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1749% | 440 |
| Loan loss allowance to noncurrent loans | 102.6504% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 1.8604% | 290 |
| Noncurrent loans to loans | 2.1188% | 483 |
| Net loans and leases to total assets | 68.6858% | 1,447 |
| Net loans and leases to deposits | 76.7660% | 1,825 |
| Net loans and leases to core deposits | 92.8891% | 1,050 |
| Total domestic deposits to total assets | 89.4741% | 1,080 |
| Equity capital to assets | 10.1973% | 2,524 |
| Core capital (leverage) ratio | 9.5971% | 2,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2328% | 1,839 |
| Memoranda: | ||
| Average total assets | $430,403,500 | 1,896 |
| Average earning assets | $399,942,000 | 1,901 |
| Average equity | $44,612,500 | 1,931 |
| Average total loans | $312,005,000 | 1,693 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3408% | 241 |
| Cost of funding earning assets | 0.9313% | 763 |
| Net interest margin | 4.4094% | 395 |
| Noninterest income to average assets | 0.5678% | 2,343 |
| Noninterest expense to average assets | 2.5140% | 2,804 |
| Loan and lease loss provision to assets | 1.0685% | 81 |
| Net operating income to assets | 0.8226% | 3,003 |
| Return on assets (ROA) | 0.9699% | 2,544 |
| Pretax return on assets | 1.2589% | 2,124 |
| Return on Equity (ROE) | 9.1478% | 2,339 |
| Retained earnings to average equity (ytd only) | 5.9837% | 1,799 |
| Net charge-offs to loans | 1.0827% | 118 |
| Credit loss provision to net charge-offs | 124.4573% | 2,603 |
| Earnings coverage of net charge-offs (x) | 2.4938% | 3,161 |
| Efficiency ratio | 54.0063% | 4,209 |
| Assets per employee ($millions) | 6.6588% | 1,809 |
| Cash dividends to net income (ytd only)* | 34.5888% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0897% | 495 |
| Loan loss allowance to noncurrent loans | 283.4629% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 1.0810% | 850 |
| Noncurrent loans to loans | 0.7372% | 1,861 |
| Net loans and leases to total assets | 73.3232% | 1,112 |
| Net loans and leases to deposits | 82.2547% | 1,639 |
| Net loans and leases to core deposits | 102.9221% | 773 |
| Total domestic deposits to total assets | 89.1417% | 925 |
| Equity capital to assets | 10.5420% | 2,636 |
| Core capital (leverage) ratio | 9.7000% | 2,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9904% | 1,851 |
| Memoranda: | ||
| Average total assets | $402,426,400 | 1,855 |
| Average earning assets | $373,017,800 | 1,861 |
| Average equity | $42,665,800 | 1,917 |
| Average total loans | $319,116,800 | 1,617 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4913% | 235 |
| Cost of funding earning assets | 0.9048% | 1,058 |
| Net interest margin | 4.5865% | 314 |
| Noninterest income to average assets | 0.5271% | 2,493 |
| Noninterest expense to average assets | 2.4656% | 2,948 |
| Loan and lease loss provision to assets | 1.2726% | 80 |
| Net operating income to assets | 0.7963% | 3,108 |
| Return on assets (ROA) | 0.9942% | 2,492 |
| Pretax return on assets | 1.2882% | 2,103 |
| Return on Equity (ROE) | 9.3636% | 2,253 |
| Retained earnings to average equity (ytd only) | 6.5252% | 1,876 |
| Net charge-offs to loans | 1.1928% | 110 |
| Credit loss provision to net charge-offs | 132.5890% | 2,432 |
| Earnings coverage of net charge-offs (x) | 2.4072% | 2,992 |
| Efficiency ratio | 51.6267% | 4,371 |
| Assets per employee ($millions) | 6.9004% | 1,566 |
| Cash dividends to net income (ytd only)* | 30.3132% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9568% | 534 |
| Loan loss allowance to noncurrent loans | 157.1564% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 1.5330% | 549 |
| Noncurrent loans to loans | 1.2451% | 1,218 |
| Net loans and leases to total assets | 79.2035% | 686 |
| Net loans and leases to deposits | 88.7034% | 1,402 |
| Net loans and leases to core deposits | 114.7793% | 528 |
| Total domestic deposits to total assets | 89.2903% | 657 |
| Equity capital to assets | 10.3695% | 2,901 |
| Core capital (leverage) ratio | 9.5740% | 3,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3960% | 2,036 |
| Memoranda: | ||
| Average total assets | $398,157,250 | 1,847 |
| Average earning assets | $368,842,750 | 1,846 |
| Average equity | $42,276,250 | 1,920 |
| Average total loans | $320,356,500 | 1,611 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7590% | 208 |
| Cost of funding earning assets | 0.9220% | 1,271 |
| Net interest margin | 4.8370% | 266 |
| Noninterest income to average assets | 0.4824% | 2,644 |
| Noninterest expense to average assets | 2.4851% | 3,006 |
| Loan and lease loss provision to assets | 1.2290% | 134 |
| Net operating income to assets | 0.9607% | 2,456 |
| Return on assets (ROA) | 0.9607% | 2,582 |
| Pretax return on assets | 1.2464% | 2,196 |
| Return on Equity (ROE) | 8.9720% | 2,375 |
| Retained earnings to average equity (ytd only) | 6.8199% | 1,731 |
| Net charge-offs to loans | 1.3244% | 100 |
| Credit loss provision to net charge-offs | 115.4957% | 2,307 |
| Earnings coverage of net charge-offs (x) | 2.3263% | 2,785 |
| Efficiency ratio | 50.0981% | 4,500 |
| Assets per employee ($millions) | 6.8958% | 1,507 |
| Cash dividends to net income (ytd only)* | 23.9872% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8390% | 599 |
| Loan loss allowance to noncurrent loans | 110.4570% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 1.8584% | 418 |
| Noncurrent loans to loans | 1.6649% | 872 |
| Net loans and leases to total assets | 77.9467% | 851 |
| Net loans and leases to deposits | 88.5576% | 1,497 |
| Net loans and leases to core deposits | 109.6129% | 752 |
| Total domestic deposits to total assets | 88.0180% | 1,169 |
| Equity capital to assets | 10.4455% | 2,794 |
| Core capital (leverage) ratio | 9.4576% | 3,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0924% | 2,947 |
| Memoranda: | ||
| Average total assets | $390,567,667 | 1,845 |
| Average earning assets | $361,590,000 | 1,849 |
| Average equity | $41,819,000 | 1,925 |
| Average total loans | $313,794,667 | 1,623 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4671% | 398 |
| Cost of funding earning assets | 1.0039% | 1,399 |
| Net interest margin | 4.4633% | 550 |
| Noninterest income to average assets | 0.5752% | 2,151 |
| Noninterest expense to average assets | 2.5120% | 3,239 |
| Loan and lease loss provision to assets | 0.5277% | 554 |
| Net operating income to assets | 1.2729% | 1,318 |
| Return on assets (ROA) | 1.2729% | 1,417 |
| Pretax return on assets | 1.6603% | 924 |
| Return on Equity (ROE) | 11.7317% | 1,186 |
| Retained earnings to average equity (ytd only) | 7.3542% | 1,421 |
| Net charge-offs to loans | -0.0026% | 3,698 |
| Credit loss provision to net charge-offs | -25,000.0000% | 4,034 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4471% | 4,438 |
| Assets per employee ($millions) | 6.2855% | 1,468 |
| Cash dividends to net income (ytd only)* | 37.3134% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0136% | 489 |
| Loan loss allowance to noncurrent loans | 167.2581% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 1.5993% | 643 |
| Noncurrent loans to loans | 1.2039% | 1,357 |
| Net loans and leases to total assets | 78.9697% | 828 |
| Net loans and leases to deposits | 88.8932% | 1,655 |
| Net loans and leases to core deposits | 113.1456% | 704 |
| Total domestic deposits to total assets | 88.8366% | 736 |
| Equity capital to assets | 10.8306% | 3,016 |
| Core capital (leverage) ratio | 10.0042% | 3,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6936% | 2,399 |
| Memoranda: | ||
| Average total assets | $378,978,000 | 1,850 |
| Average earning assets | $350,237,500 | 1,851 |
| Average equity | $41,119,500 | 1,946 |
| Average total loans | $306,420,000 | 1,616 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6329% | 447 |
| Cost of funding earning assets | 1.0857% | 1,386 |
| Net interest margin | 4.5472% | 657 |
| Noninterest income to average assets | 0.4705% | 2,899 |
| Noninterest expense to average assets | 2.6597% | 2,994 |
| Loan and lease loss provision to assets | 0.3098% | 526 |
| Net operating income to assets | 1.3373% | 1,554 |
| Return on assets (ROA) | 1.4381% | 1,290 |
| Pretax return on assets | 1.8287% | 876 |
| Return on Equity (ROE) | 13.0992% | 1,139 |
| Retained earnings to average equity (ytd only) | 8.4823% | 835 |
| Net charge-offs to loans | 0.3090% | 670 |
| Credit loss provision to net charge-offs | 123.3184% | 2,063 |
| Earnings coverage of net charge-offs (x) | 8.0056% | 2,814 |
| Efficiency ratio | 56.9456% | 4,098 |
| Assets per employee ($millions) | 6.6883% | 1,187 |
| Cash dividends to net income (ytd only)* | 35.2457% | 2,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8823% | 577 |
| Loan loss allowance to noncurrent loans | 138.6760% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 1.7451% | 521 |
| Noncurrent loans to loans | 1.3573% | 1,097 |
| Net loans and leases to total assets | 79.5953% | 839 |
| Net loans and leases to deposits | 92.1329% | 1,352 |
| Net loans and leases to core deposits | 117.1157% | 560 |
| Total domestic deposits to total assets | 86.3919% | 1,888 |
| Equity capital to assets | 10.8701% | 3,117 |
| Core capital (leverage) ratio | 10.3265% | 3,160 |
| Tier 1 risk-based capital ratio | 12.0345% | 4,346 |
| Total risk-based capital ratio | 13.2922% | 4,210 |
| Memoranda: | ||
| Average total assets | $355,121,000 | 1,893 |
| Average earning assets | $328,002,200 | 1,886 |
| Average equity | $38,987,000 | 1,979 |
| Average total loans | $288,657,400 | 1,653 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7595% | 379 |
| Cost of funding earning assets | 1.0940% | 1,379 |
| Net interest margin | 4.6654% | 532 |
| Noninterest income to average assets | 0.4263% | 3,167 |
| Noninterest expense to average assets | 2.5683% | 3,249 |
| Loan and lease loss provision to assets | 0.3426% | 395 |
| Net operating income to assets | 1.4032% | 1,458 |
| Return on assets (ROA) | 1.5356% | 1,152 |
| Pretax return on assets | 1.9912% | 701 |
| Return on Equity (ROE) | 13.9501% | 993 |
| Retained earnings to average equity (ytd only) | 9.2816% | 965 |
| Net charge-offs to loans | -0.1910% | 5,104 |
| Credit loss provision to net charge-offs | -220.5882% | 4,185 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2451% | 4,366 |
| Assets per employee ($millions) | 6.7018% | 1,160 |
| Cash dividends to net income (ytd only)* | 33.4656% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2449% | 309 |
| Loan loss allowance to noncurrent loans | 146.8979% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 1.9137% | 481 |
| Noncurrent loans to loans | 1.5282% | 985 |
| Net loans and leases to total assets | 80.5566% | 771 |
| Net loans and leases to deposits | 99.7672% | 655 |
| Net loans and leases to core deposits | 128.5172% | 319 |
| Total domestic deposits to total assets | 80.7446% | 3,823 |
| Equity capital to assets | 10.9474% | 3,146 |
| Core capital (leverage) ratio | 11.3477% | 2,343 |
| Tier 1 risk-based capital ratio | 11.7583% | 4,540 |
| Total risk-based capital ratio | 13.0205% | 4,428 |
| Memoranda: | ||
| Average total assets | $350,265,750 | 1,920 |
| Average earning assets | $323,448,750 | 1,923 |
| Average equity | $38,555,500 | 2,006 |
| Average total loans | $284,862,500 | 1,683 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7283% | 378 |
| Cost of funding earning assets | 1.0540% | 1,481 |
| Net interest margin | 4.6743% | 520 |
| Noninterest income to average assets | 0.3899% | 3,338 |
| Noninterest expense to average assets | 2.5965% | 3,205 |
| Loan and lease loss provision to assets | 0.3487% | 371 |
| Net operating income to assets | 1.3630% | 1,535 |
| Return on assets (ROA) | 1.5650% | 1,022 |
| Pretax return on assets | 2.0223% | 652 |
| Return on Equity (ROE) | 14.1899% | 939 |
| Retained earnings to average equity (ytd only) | 9.4476% | 923 |
| Net charge-offs to loans | -0.2872% | 5,180 |
| Credit loss provision to net charge-offs | -150.0000% | 3,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1061% | 4,355 |
| Assets per employee ($millions) | 6.2779% | 1,353 |
| Cash dividends to net income (ytd only)* | 33.4200% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3022% | 295 |
| Loan loss allowance to noncurrent loans | 523.8938% | 983 |
| Noncurrent assets plus other real estate owned to assets | 1.0687% | 1,277 |
| Noncurrent loans to loans | 0.4394% | 2,953 |
| Net loans and leases to total assets | 80.0356% | 873 |
| Net loans and leases to deposits | 96.1217% | 1,018 |
| Net loans and leases to core deposits | 125.9744% | 391 |
| Total domestic deposits to total assets | 83.2648% | 3,125 |
| Equity capital to assets | 11.3533% | 2,741 |
| Core capital (leverage) ratio | 10.6048% | 2,981 |
| Tier 1 risk-based capital ratio | 12.4828% | 4,132 |
| Total risk-based capital ratio | 13.7456% | 4,018 |
| Memoranda: | ||
| Average total assets | $344,155,000 | 1,954 |
| Average earning assets | $318,207,670 | 1,953 |
| Average equity | $37,956,670 | 2,022 |
| Average total loans | $278,567,000 | 1,718 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5991% | 431 |
| Cost of funding earning assets | 1.0009% | 1,561 |
| Net interest margin | 4.5982% | 611 |
| Noninterest income to average assets | 0.3888% | 3,265 |
| Noninterest expense to average assets | 2.5216% | 3,440 |
| Loan and lease loss provision to assets | 0.3493% | 341 |
| Net operating income to assets | 1.3842% | 1,421 |
| Return on assets (ROA) | 1.3842% | 1,455 |
| Pretax return on assets | 1.7754% | 1,034 |
| Return on Equity (ROE) | 12.7389% | 1,310 |
| Retained earnings to average equity (ytd only) | 7.9176% | 1,697 |
| Net charge-offs to loans | -0.0014% | 3,832 |
| Credit loss provision to net charge-offs | -30,000.0000% | 4,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2721% | 4,511 |
| Assets per employee ($millions) | 6.4045% | 1,286 |
| Cash dividends to net income (ytd only)* | 37.8469% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0788% | 430 |
| Loan loss allowance to noncurrent loans | 444.4190% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.5722% | 2,354 |
| Noncurrent loans to loans | 0.4678% | 2,909 |
| Net loans and leases to total assets | 79.1722% | 966 |
| Net loans and leases to deposits | 95.1873% | 1,044 |
| Net loans and leases to core deposits | 118.8651% | 559 |
| Total domestic deposits to total assets | 83.1751% | 3,322 |
| Equity capital to assets | 10.9835% | 2,873 |
| Core capital (leverage) ratio | 10.4352% | 3,128 |
| Tier 1 risk-based capital ratio | 12.2016% | 4,353 |
| Total risk-based capital ratio | 13.4616% | 4,216 |
| Memoranda: | ||
| Average total assets | $343,590,500 | 1,973 |
| Average earning assets | $318,122,500 | 1,966 |
| Average equity | $37,334,500 | 2,040 |
| Average total loans | $276,419,500 | 1,736 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6156% | 327 |
| Cost of funding earning assets | 0.8350% | 1,362 |
| Net interest margin | 4.7806% | 413 |
| Noninterest income to average assets | 0.4495% | 3,104 |
| Noninterest expense to average assets | 2.6287% | 3,246 |
| Loan and lease loss provision to assets | 0.3579% | 419 |
| Net operating income to assets | 1.4841% | 1,161 |
| Return on assets (ROA) | 1.4841% | 1,148 |
| Pretax return on assets | 1.9058% | 709 |
| Return on Equity (ROE) | 14.2139% | 1,000 |
| Retained earnings to average equity (ytd only) | 9.0722% | 832 |
| Net charge-offs to loans | -0.0167% | 4,639 |
| Credit loss provision to net charge-offs | -2,666.6667% | 4,873 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7308% | 4,642 |
| Assets per employee ($millions) | 6.3210% | 1,305 |
| Cash dividends to net income (ytd only)* | 36.1736% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0171% | 456 |
| Loan loss allowance to noncurrent loans | 446.5964% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.5581% | 2,378 |
| Noncurrent loans to loans | 0.4517% | 2,920 |
| Net loans and leases to total assets | 78.4277% | 1,196 |
| Net loans and leases to deposits | 88.9579% | 1,935 |
| Net loans and leases to core deposits | 119.8587% | 551 |
| Total domestic deposits to total assets | 88.1627% | 1,226 |
| Equity capital to assets | 10.7469% | 2,935 |
| Core capital (leverage) ratio | 9.9710% | 3,616 |
| Tier 1 risk-based capital ratio | 12.1138% | 4,356 |
| Total risk-based capital ratio | 13.3726% | 4,234 |
| Memoranda: | ||
| Average total assets | $335,298,000 | 1,964 |
| Average earning assets | $311,612,200 | 1,962 |
| Average equity | $35,008,000 | 2,070 |
| Average total loans | $269,557,800 | 1,730 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5688% | 314 |
| Cost of funding earning assets | 0.7753% | 1,446 |
| Net interest margin | 4.7935% | 379 |
| Noninterest income to average assets | 0.4322% | 3,269 |
| Noninterest expense to average assets | 2.5780% | 3,350 |
| Loan and lease loss provision to assets | 0.3595% | 371 |
| Net operating income to assets | 1.5215% | 1,146 |
| Return on assets (ROA) | 1.5215% | 1,142 |
| Pretax return on assets | 1.9549% | 714 |
| Return on Equity (ROE) | 14.6824% | 939 |
| Retained earnings to average equity (ytd only) | 9.4786% | 1,051 |
| Net charge-offs to loans | -0.0204% | 4,631 |
| Credit loss provision to net charge-offs | -2,195.1220% | 4,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6943% | 4,735 |
| Assets per employee ($millions) | 6.4086% | 1,232 |
| Cash dividends to net income (ytd only)* | 35.4425% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8670% | 638 |
| Loan loss allowance to noncurrent loans | 272.9036% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.7452% | 1,994 |
| Noncurrent loans to loans | 0.6841% | 2,373 |
| Net loans and leases to total assets | 79.0848% | 1,149 |
| Net loans and leases to deposits | 97.4235% | 1,006 |
| Net loans and leases to core deposits | 187.0308% | 45 |
| Total domestic deposits to total assets | 81.1763% | 3,819 |
| Equity capital to assets | 10.2678% | 3,379 |
| Core capital (leverage) ratio | 9.8745% | 3,769 |
| Tier 1 risk-based capital ratio | 11.6472% | 4,705 |
| Total risk-based capital ratio | 12.9044% | 4,591 |
| Memoranda: | ||
| Average total assets | $333,788,500 | 1,977 |
| Average earning assets | $310,578,000 | 1,976 |
| Average equity | $34,589,250 | 2,095 |
| Average total loans | $268,644,000 | 1,737 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3859% | 399 |
| Cost of funding earning assets | 0.7099% | 1,569 |
| Net interest margin | 4.6761% | 467 |
| Noninterest income to average assets | 0.4313% | 3,286 |
| Noninterest expense to average assets | 2.5484% | 3,484 |
| Loan and lease loss provision to assets | 0.3640% | 353 |
| Net operating income to assets | 1.4704% | 1,227 |
| Return on assets (ROA) | 1.4704% | 1,227 |
| Pretax return on assets | 1.8866% | 797 |
| Return on Equity (ROE) | 14.1446% | 1,042 |
| Retained earnings to average equity (ytd only) | 8.8929% | 1,253 |
| Net charge-offs to loans | -0.0309% | 4,748 |
| Credit loss provision to net charge-offs | -1,463.4146% | 4,583 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1033% | 4,772 |
| Assets per employee ($millions) | 5.9100% | 1,542 |
| Cash dividends to net income (ytd only)* | 37.1287% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8146% | 736 |
| Loan loss allowance to noncurrent loans | 384.8627% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.5777% | 2,498 |
| Noncurrent loans to loans | 0.4715% | 3,021 |
| Net loans and leases to total assets | 78.8175% | 1,190 |
| Net loans and leases to deposits | 95.5389% | 1,191 |
| Net loans and leases to core deposits | 139.0337% | 206 |
| Total domestic deposits to total assets | 82.4978% | 3,561 |
| Equity capital to assets | 10.3470% | 3,283 |
| Core capital (leverage) ratio | 10.0179% | 3,557 |
| Tier 1 risk-based capital ratio | 11.6470% | 4,720 |
| Total risk-based capital ratio | 12.9035% | 4,591 |
| Memoranda: | ||
| Average total assets | $329,696,670 | 2,009 |
| Average earning assets | $307,951,330 | 2,000 |
| Average equity | $34,274,670 | 2,118 |
| Average total loans | $265,228,330 | 1,762 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1811% | 507 |
| Cost of funding earning assets | 0.6633% | 1,640 |
| Net interest margin | 4.5178% | 594 |
| Noninterest income to average assets | 0.4011% | 3,458 |
| Noninterest expense to average assets | 2.4802% | 3,711 |
| Loan and lease loss provision to assets | 0.3680% | 320 |
| Net operating income to assets | 1.3909% | 1,367 |
| Return on assets (ROA) | 1.3909% | 1,375 |
| Pretax return on assets | 1.7884% | 935 |
| Return on Equity (ROE) | 13.3475% | 1,172 |
| Retained earnings to average equity (ytd only) | 8.0508% | 1,815 |
| Net charge-offs to loans | 0.0274% | 1,948 |
| Credit loss provision to net charge-offs | 1,666.6667% | 214 |
| Earnings coverage of net charge-offs (x) | 97.6667% | 624 |
| Efficiency ratio | 53.4921% | 4,843 |
| Assets per employee ($millions) | 5.9032% | 1,596 |
| Cash dividends to net income (ytd only)* | 39.6825% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7448% | 874 |
| Loan loss allowance to noncurrent loans | 173.6260% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.8532% | 1,852 |
| Noncurrent loans to loans | 1.0049% | 1,815 |
| Net loans and leases to total assets | 78.8990% | 1,099 |
| Net loans and leases to deposits | 88.3931% | 1,883 |
| Net loans and leases to core deposits | 168.5491% | 65 |
| Total domestic deposits to total assets | 89.2591% | 982 |
| Equity capital to assets | 10.4969% | 3,082 |
| Core capital (leverage) ratio | 9.8816% | 3,675 |
| Tier 1 risk-based capital ratio | 11.8884% | 4,613 |
| Total risk-based capital ratio | 13.1442% | 4,505 |
| Memoranda: | ||
| Average total assets | $326,109,000 | 2,042 |
| Average earning assets | $305,727,000 | 2,020 |
| Average equity | $33,984,000 | 2,143 |
| Average total loans | $262,632,000 | 1,783 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4448% | 290 |
| Cost of funding earning assets | 0.6307% | 1,414 |
| Net interest margin | 4.8141% | 347 |
| Noninterest income to average assets | 0.4143% | 3,539 |
| Noninterest expense to average assets | 2.5631% | 3,571 |
| Loan and lease loss provision to assets | 0.4049% | 363 |
| Net operating income to assets | 1.2729% | 1,296 |
| Return on assets (ROA) | 1.3169% | 1,201 |
| Pretax return on assets | 2.0610% | 427 |
| Return on Equity (ROE) | 13.0347% | 945 |
| Retained earnings to average equity (ytd only) | 7.7937% | 830 |
| Net charge-offs to loans | 0.0400% | 2,990 |
| Credit loss provision to net charge-offs | 1,262.1359% | 304 |
| Earnings coverage of net charge-offs (x) | 74.7184% | 807 |
| Efficiency ratio | 51.6735% | 5,124 |
| Assets per employee ($millions) | 6.0656% | 1,474 |
| Cash dividends to net income (ytd only)* | 40.2081% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6129% | 1,110 |
| Loan loss allowance to noncurrent loans | 306.7577% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.4415% | 3,103 |
| Noncurrent loans to loans | 0.5258% | 2,937 |
| Net loans and leases to total assets | 79.4652% | 1,042 |
| Net loans and leases to deposits | 89.6603% | 1,814 |
| Net loans and leases to core deposits | 186.5286% | 48 |
| Total domestic deposits to total assets | 88.6292% | 1,176 |
| Equity capital to assets | 10.3458% | 3,335 |
| Core capital (leverage) ratio | 9.4861% | 4,071 |
| Tier 1 risk-based capital ratio | 11.3384% | 4,957 |
| Total risk-based capital ratio | 12.5919% | 4,832 |
| Memoranda: | ||
| Average total assets | $321,054,200 | 2,061 |
| Average earning assets | $303,168,800 | 2,026 |
| Average equity | $32,436,400 | 2,197 |
| Average total loans | $257,324,200 | 1,772 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2946% | 343 |
| Cost of funding earning assets | 0.6051% | 1,496 |
| Net interest margin | 4.6895% | 416 |
| Noninterest income to average assets | 0.4045% | 3,656 |
| Noninterest expense to average assets | 2.5207% | 3,664 |
| Loan and lease loss provision to assets | 0.4174% | 319 |
| Net operating income to assets | 1.2950% | 1,356 |
| Return on assets (ROA) | 1.3595% | 1,204 |
| Pretax return on assets | 1.9960% | 557 |
| Return on Equity (ROE) | 13.5393% | 921 |
| Retained earnings to average equity (ytd only) | 8.2391% | 1,117 |
| Net charge-offs to loans | 0.0073% | 3,475 |
| Credit loss provision to net charge-offs | 7,142.8571% | 62 |
| Earnings coverage of net charge-offs (x) | 396.7049% | 239 |
| Efficiency ratio | 52.0873% | 5,092 |
| Assets per employee ($millions) | 6.2085% | 1,371 |
| Cash dividends to net income (ytd only)* | 39.1465% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5332% | 1,416 |
| Loan loss allowance to noncurrent loans | 207.4680% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 0.6573% | 2,535 |
| Noncurrent loans to loans | 0.7390% | 2,513 |
| Net loans and leases to total assets | 79.1649% | 1,104 |
| Net loans and leases to deposits | 97.2479% | 990 |
| Net loans and leases to core deposits | 188.0436% | 46 |
| Total domestic deposits to total assets | 81.4053% | 3,945 |
| Equity capital to assets | 10.1066% | 3,794 |
| Core capital (leverage) ratio | 9.4348% | 4,246 |
| Tier 1 risk-based capital ratio | 11.1564% | 5,154 |
| Total risk-based capital ratio | 12.4097% | 5,052 |
| Memoranda: | ||
| Average total assets | $319,432,250 | 2,079 |
| Average earning assets | $302,084,250 | 2,050 |
| Average equity | $32,073,750 | 2,231 |
| Average total loans | $255,518,000 | 1,797 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2542% | 360 |
| Cost of funding earning assets | 0.5811% | 1,570 |
| Net interest margin | 4.6731% | 411 |
| Noninterest income to average assets | 0.3978% | 3,704 |
| Noninterest expense to average assets | 2.4501% | 3,918 |
| Loan and lease loss provision to assets | 0.4427% | 278 |
| Net operating income to assets | 1.3179% | 1,261 |
| Return on assets (ROA) | 1.4129% | 1,058 |
| Pretax return on assets | 2.0751% | 470 |
| Return on Equity (ROE) | 14.1037% | 798 |
| Retained earnings to average equity (ytd only) | 8.7375% | 923 |
| Net charge-offs to loans | 0.0095% | 3,123 |
| Credit loss provision to net charge-offs | 5,833.3333% | 78 |
| Earnings coverage of net charge-offs (x) | 313.3333% | 271 |
| Efficiency ratio | 50.7467% | 5,259 |
| Assets per employee ($millions) | 5.9783% | 1,481 |
| Cash dividends to net income (ytd only)* | 38.0483% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4285% | 1,828 |
| Loan loss allowance to noncurrent loans | 1,200.6390% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.1585% | 4,547 |
| Noncurrent loans to loans | 0.1190% | 4,642 |
| Net loans and leases to total assets | 78.8652% | 1,114 |
| Net loans and leases to deposits | 95.9854% | 1,084 |
| Net loans and leases to core deposits | 192.2703% | 46 |
| Total domestic deposits to total assets | 82.1638% | 3,844 |
| Equity capital to assets | 9.9332% | 3,988 |
| Core capital (leverage) ratio | 9.3844% | 4,251 |
| Tier 1 risk-based capital ratio | 10.7677% | 5,354 |
| Total risk-based capital ratio | 12.0194% | 5,283 |
| Memoranda: | ||
| Average total assets | $316,226,000 | 2,098 |
| Average earning assets | $299,800,670 | 2,059 |
| Average equity | $31,679,670 | 2,249 |
| Average total loans | $252,507,670 | 1,808 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2194% | 369 |
| Cost of funding earning assets | 0.5762% | 1,534 |
| Net interest margin | 4.6432% | 411 |
| Noninterest income to average assets | 0.3459% | 4,076 |
| Noninterest expense to average assets | 2.4805% | 3,874 |
| Loan and lease loss provision to assets | 0.4517% | 232 |
| Net operating income to assets | 1.2641% | 1,338 |
| Return on assets (ROA) | 1.2596% | 1,384 |
| Pretax return on assets | 1.8275% | 743 |
| Return on Equity (ROE) | 12.5172% | 1,107 |
| Retained earnings to average equity (ytd only) | 7.0666% | 1,820 |
| Net charge-offs to loans | 0.0016% | 2,911 |
| Credit loss provision to net charge-offs | 35,000.0000% | 8 |
| Earnings coverage of net charge-offs (x) | 1,771.0000% | 19 |
| Efficiency ratio | 52.0444% | 5,263 |
| Assets per employee ($millions) | 5.7439% | 1,697 |
| Cash dividends to net income (ytd only)* | 43.5451% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3778% | 2,176 |
| Loan loss allowance to noncurrent loans | 297.0460% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.4369% | 3,444 |
| Noncurrent loans to loans | 0.4638% | 3,429 |
| Net loans and leases to total assets | 78.9047% | 995 |
| Net loans and leases to deposits | 89.9012% | 1,547 |
| Net loans and leases to core deposits | 178.1818% | 50 |
| Total domestic deposits to total assets | 87.7683% | 1,847 |
| Equity capital to assets | 10.1806% | 3,531 |
| Core capital (leverage) ratio | 9.4580% | 4,165 |
| Tier 1 risk-based capital ratio | 11.5487% | 4,996 |
| Total risk-based capital ratio | 12.8001% | 4,902 |
| Memoranda: | ||
| Average total assets | $309,935,000 | 2,152 |
| Average earning assets | $295,053,500 | 2,105 |
| Average equity | $31,189,000 | 2,282 |
| Average total loans | $247,225,000 | 1,850 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2842% | 366 |
| Cost of funding earning assets | 0.5437% | 1,759 |
| Net interest margin | 4.7405% | 394 |
| Noninterest income to average assets | 0.5000% | 3,235 |
| Noninterest expense to average assets | 2.5610% | 3,808 |
| Loan and lease loss provision to assets | 0.3904% | 404 |
| Net operating income to assets | 1.4149% | 981 |
| Return on assets (ROA) | 1.4699% | 909 |
| Pretax return on assets | 2.1458% | 362 |
| Return on Equity (ROE) | 13.9944% | 776 |
| Retained earnings to average equity (ytd only) | 11.1350% | 294 |
| Net charge-offs to loans | 0.0342% | 3,345 |
| Credit loss provision to net charge-offs | 1,493.2432% | 283 |
| Earnings coverage of net charge-offs (x) | 93.9054% | 632 |
| Efficiency ratio | 51.0530% | 5,432 |
| Assets per employee ($millions) | 5.8434% | 1,589 |
| Cash dividends to net income (ytd only)* | 20.4327% | 3,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2465% | 2,843 |
| Loan loss allowance to noncurrent loans | 532.0624% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.2028% | 4,515 |
| Noncurrent loans to loans | 0.2343% | 4,313 |
| Net loans and leases to total assets | 78.5348% | 1,120 |
| Net loans and leases to deposits | 89.2365% | 1,776 |
| Net loans and leases to core deposits | 167.5863% | 65 |
| Total domestic deposits to total assets | 88.0075% | 1,627 |
| Equity capital to assets | 9.9454% | 3,773 |
| Core capital (leverage) ratio | 9.5263% | 4,047 |
| Tier 1 risk-based capital ratio | 11.2125% | 5,212 |
| Total risk-based capital ratio | 12.4449% | 5,118 |
| Memoranda: | ||
| Average total assets | $283,016,000 | 2,264 |
| Average earning assets | $269,633,800 | 2,214 |
| Average equity | $29,726,200 | 2,372 |
| Average total loans | $216,293,600 | 1,999 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2662% | 389 |
| Cost of funding earning assets | 0.5425% | 1,773 |
| Net interest margin | 4.7238% | 418 |
| Noninterest income to average assets | 0.5177% | 3,134 |
| Noninterest expense to average assets | 2.5557% | 3,805 |
| Loan and lease loss provision to assets | 0.2822% | 619 |
| Net operating income to assets | 1.4903% | 897 |
| Return on assets (ROA) | 1.5589% | 827 |
| Pretax return on assets | 2.2845% | 330 |
| Return on Equity (ROE) | 14.6241% | 714 |
| Retained earnings to average equity (ytd only) | 10.7768% | 448 |
| Net charge-offs to loans | 0.0038% | 3,788 |
| Credit loss provision to net charge-offs | 9,750.0000% | 52 |
| Earnings coverage of net charge-offs (x) | 851.8125% | 105 |
| Efficiency ratio | 50.8935% | 5,447 |
| Assets per employee ($millions) | 5.8218% | 1,563 |
| Cash dividends to net income (ytd only)* | 26.3078% | 2,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1350% | 3,646 |
| Loan loss allowance to noncurrent loans | 474.2754% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.2031% | 4,621 |
| Noncurrent loans to loans | 0.2393% | 4,413 |
| Net loans and leases to total assets | 76.8054% | 1,395 |
| Net loans and leases to deposits | 96.0869% | 1,040 |
| Net loans and leases to core deposits | 179.3519% | 56 |
| Total domestic deposits to total assets | 79.9332% | 4,525 |
| Equity capital to assets | 10.4239% | 3,645 |
| Core capital (leverage) ratio | 9.5979% | 4,061 |
| Tier 1 risk-based capital ratio | 11.2183% | 5,248 |
| Total risk-based capital ratio | 12.3095% | 5,246 |
| Memoranda: | ||
| Average total assets | $276,344,750 | 2,316 |
| Average earning assets | $263,484,500 | 2,272 |
| Average equity | $29,457,500 | 2,410 |
| Average total loans | $208,793,750 | 2,063 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3104% | 352 |
| Cost of funding earning assets | 0.5324% | 1,852 |
| Net interest margin | 4.7780% | 386 |
| Noninterest income to average assets | 0.4000% | 3,867 |
| Noninterest expense to average assets | 2.5641% | 3,840 |
| Loan and lease loss provision to assets | 0.2560% | 746 |
| Net operating income to assets | 1.4671% | 947 |
| Return on assets (ROA) | 1.5593% | 834 |
| Pretax return on assets | 2.2762% | 322 |
| Return on Equity (ROE) | 14.5097% | 744 |
| Retained earnings to average equity (ytd only) | 8.6395% | 955 |
| Net charge-offs to loans | 0.0060% | 3,486 |
| Credit loss provision to net charge-offs | 5,750.0000% | 73 |
| Earnings coverage of net charge-offs (x) | 538.6667% | 126 |
| Efficiency ratio | 51.6674% | 5,461 |
| Assets per employee ($millions) | 5.9161% | 1,460 |
| Cash dividends to net income (ytd only)* | 40.4569% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0830% | 4,035 |
| Loan loss allowance to noncurrent loans | 420.1413% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.2173% | 4,630 |
| Noncurrent loans to loans | 0.2578% | 4,433 |
| Net loans and leases to total assets | 76.4842% | 1,415 |
| Net loans and leases to deposits | 91.7364% | 1,549 |
| Net loans and leases to core deposits | 189.2660% | 51 |
| Total domestic deposits to total assets | 83.3739% | 3,510 |
| Equity capital to assets | 10.6168% | 3,516 |
| Core capital (leverage) ratio | 9.6893% | 3,945 |
| Tier 1 risk-based capital ratio | 10.5794% | 5,638 |
| Total risk-based capital ratio | 11.5566% | 5,673 |
| Memoranda: | ||
| Average total assets | $269,488,330 | 2,388 |
| Average earning assets | $257,344,670 | 2,317 |
| Average equity | $28,960,000 | 2,457 |
| Average total loans | $201,503,670 | 2,117 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0333% | 543 |
| Cost of funding earning assets | 0.5163% | 1,975 |
| Net interest margin | 4.5170% | 585 |
| Noninterest income to average assets | 0.3920% | 3,891 |
| Noninterest expense to average assets | 2.5777% | 3,818 |
| Loan and lease loss provision to assets | 0.2059% | 948 |
| Net operating income to assets | 1.3377% | 1,159 |
| Return on assets (ROA) | 1.3377% | 1,243 |
| Pretax return on assets | 1.9188% | 661 |
| Return on Equity (ROE) | 12.3671% | 1,197 |
| Retained earnings to average equity (ytd only) | 6.3739% | 2,197 |
| Net charge-offs to loans | -0.0021% | 4,123 |
| Credit loss provision to net charge-offs | -13,500.0000% | 5,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8167% | 5,300 |
| Assets per employee ($millions) | 5.4471% | 1,874 |
| Cash dividends to net income (ytd only)* | 48.4607% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0884% | 4,117 |
| Loan loss allowance to noncurrent loans | 272.2153% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.3185% | 4,295 |
| Noncurrent loans to loans | 0.3998% | 3,999 |
| Net loans and leases to total assets | 74.0575% | 1,719 |
| Net loans and leases to deposits | 86.5711% | 2,011 |
| Net loans and leases to core deposits | 144.2239% | 141 |
| Total domestic deposits to total assets | 85.5453% | 2,891 |
| Equity capital to assets | 10.7602% | 3,197 |
| Core capital (leverage) ratio | 9.9137% | 3,646 |
| Tier 1 risk-based capital ratio | 11.7361% | 5,090 |
| Total risk-based capital ratio | 12.7613% | 5,128 |
| Memoranda: | ||
| Average total assets | $262,245,000 | 2,447 |
| Average earning assets | $250,253,000 | 2,382 |
| Average equity | $28,365,500 | 2,500 |
| Average total loans | $192,468,500 | 2,185 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8917% | 785 |
| Cost of funding earning assets | 0.5281% | 1,940 |
| Net interest margin | 4.3636% | 851 |
| Noninterest income to average assets | 0.5129% | 3,239 |
| Noninterest expense to average assets | 2.6814% | 3,646 |
| Loan and lease loss provision to assets | 0.2147% | 968 |
| Net operating income to assets | 1.2525% | 1,382 |
| Return on assets (ROA) | 1.2389% | 1,478 |
| Pretax return on assets | 1.7570% | 879 |
| Return on Equity (ROE) | 11.4495% | 1,455 |
| Retained earnings to average equity (ytd only) | 5.2030% | 2,277 |
| Net charge-offs to loans | -0.0569% | 5,592 |
| Credit loss provision to net charge-offs | -534.6535% | 5,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3909% | 5,211 |
| Assets per employee ($millions) | 5.1516% | 2,176 |
| Cash dividends to net income (ytd only)* | 54.5571% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1016% | 4,041 |
| Loan loss allowance to noncurrent loans | 237.3690% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.3533% | 4,171 |
| Noncurrent loans to loans | 0.4641% | 3,803 |
| Net loans and leases to total assets | 71.0677% | 2,185 |
| Net loans and leases to deposits | 80.9926% | 2,710 |
| Net loans and leases to core deposits | 164.8999% | 68 |
| Total domestic deposits to total assets | 87.7460% | 1,773 |
| Equity capital to assets | 10.8746% | 2,963 |
| Core capital (leverage) ratio | 10.3035% | 3,154 |
| Tier 1 risk-based capital ratio | 12.6293% | 4,555 |
| Total risk-based capital ratio | 13.6844% | 4,571 |
| Memoranda: | ||
| Average total assets | $251,509,200 | 2,491 |
| Average earning assets | $239,733,600 | 2,431 |
| Average equity | $27,215,200 | 2,526 |
| Average total loans | $177,575,800 | 2,267 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9323% | 715 |
| Cost of funding earning assets | 0.5382% | 1,903 |
| Net interest margin | 4.3941% | 807 |
| Noninterest income to average assets | 0.5296% | 3,167 |
| Noninterest expense to average assets | 2.6496% | 3,721 |
| Loan and lease loss provision to assets | 0.2160% | 885 |
| Net operating income to assets | 1.3001% | 1,342 |
| Return on assets (ROA) | 1.2885% | 1,424 |
| Pretax return on assets | 1.8363% | 828 |
| Return on Equity (ROE) | 11.9234% | 1,394 |
| Retained earnings to average equity (ytd only) | 5.6311% | 2,504 |
| Net charge-offs to loans | 0.0008% | 4,171 |
| Credit loss provision to net charge-offs | 40,500.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 3,888.6241% | 11 |
| Efficiency ratio | 56.1546% | 5,334 |
| Assets per employee ($millions) | 4.9052% | 2,411 |
| Cash dividends to net income (ytd only)* | 52.7733% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0240% | 4,624 |
| Loan loss allowance to noncurrent loans | 190.0844% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 0.4073% | 4,146 |
| Noncurrent loans to loans | 0.5387% | 3,727 |
| Net loans and leases to total assets | 71.0203% | 2,231 |
| Net loans and leases to deposits | 84.5397% | 2,339 |
| Net loans and leases to core deposits | 157.0702% | 82 |
| Total domestic deposits to total assets | 84.0083% | 3,423 |
| Equity capital to assets | 11.2877% | 2,712 |
| Core capital (leverage) ratio | 10.2022% | 3,371 |
| Tier 1 risk-based capital ratio | 13.2120% | 4,309 |
| Total risk-based capital ratio | 14.2028% | 4,380 |
| Memoranda: | ||
| Average total assets | $249,991,250 | 2,530 |
| Average earning assets | $238,314,250 | 2,458 |
| Average equity | $27,016,250 | 2,560 |
| Average total loans | $175,695,750 | 2,293 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8610% | 792 |
| Cost of funding earning assets | 0.5331% | 1,959 |
| Net interest margin | 4.3279% | 867 |
| Noninterest income to average assets | 0.5454% | 3,070 |
| Noninterest expense to average assets | 2.5305% | 4,139 |
| Loan and lease loss provision to assets | 0.2147% | 892 |
| Net operating income to assets | 1.3424% | 1,213 |
| Return on assets (ROA) | 1.3340% | 1,279 |
| Pretax return on assets | 1.9192% | 711 |
| Return on Equity (ROE) | 12.5253% | 1,216 |
| Retained earnings to average equity (ytd only) | 6.1806% | 2,129 |
| Net charge-offs to loans | 0.0011% | 3,870 |
| Credit loss provision to net charge-offs | 27,000.0000% | 12 |
| Earnings coverage of net charge-offs (x) | 2,699.0000% | 15 |
| Efficiency ratio | 54.1142% | 5,576 |
| Assets per employee ($millions) | 4.8664% | 2,443 |
| Cash dividends to net income (ytd only)* | 50.6555% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9459% | 5,113 |
| Loan loss allowance to noncurrent loans | 153.9243% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 0.4660% | 4,069 |
| Noncurrent loans to loans | 0.6145% | 3,623 |
| Net loans and leases to total assets | 71.7453% | 2,032 |
| Net loans and leases to deposits | 83.4506% | 2,386 |
| Net loans and leases to core deposits | 109.2707% | 876 |
| Total domestic deposits to total assets | 85.9733% | 2,704 |
| Equity capital to assets | 11.1091% | 2,772 |
| Core capital (leverage) ratio | 10.2722% | 3,251 |
| Tier 1 risk-based capital ratio | 12.9090% | 4,571 |
| Total risk-based capital ratio | 13.8189% | 4,679 |
| Memoranda: | ||
| Average total assets | $251,569,000 | 2,537 |
| Average earning assets | $240,114,000 | 2,458 |
| Average equity | $26,793,670 | 2,582 |
| Average total loans | $175,599,330 | 2,307 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6331% | 1,155 |
| Cost of funding earning assets | 0.5141% | 2,162 |
| Net interest margin | 4.1191% | 1,229 |
| Noninterest income to average assets | 0.4771% | 3,450 |
| Noninterest expense to average assets | 2.4780% | 4,331 |
| Loan and lease loss provision to assets | 0.2112% | 847 |
| Net operating income to assets | 1.2181% | 1,495 |
| Return on assets (ROA) | 1.2014% | 1,640 |
| Pretax return on assets | 1.7005% | 1,048 |
| Return on Equity (ROE) | 11.5164% | 1,472 |
| Retained earnings to average equity (ytd only) | 5.1434% | 2,973 |
| Net charge-offs to loans | -0.0023% | 4,361 |
| Credit loss provision to net charge-offs | -13,500.0000% | 5,326 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1503% | 5,504 |
| Assets per employee ($millions) | 5.1356% | 2,187 |
| Cash dividends to net income (ytd only)* | 55.3385% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8697% | 5,525 |
| Loan loss allowance to noncurrent loans | 137.3321% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 0.4738% | 4,134 |
| Noncurrent loans to loans | 0.6333% | 3,691 |
| Net loans and leases to total assets | 70.9297% | 1,992 |
| Net loans and leases to deposits | 80.8826% | 2,463 |
| Net loans and leases to core deposits | 143.6088% | 134 |
| Total domestic deposits to total assets | 87.6946% | 1,988 |
| Equity capital to assets | 10.9420% | 3,036 |
| Core capital (leverage) ratio | 9.7981% | 3,893 |
| Tier 1 risk-based capital ratio | 12.6625% | 4,805 |
| Total risk-based capital ratio | 13.5033% | 4,983 |
| Memoranda: | ||
| Average total assets | $255,692,500 | 2,504 |
| Average earning assets | $244,327,000 | 2,436 |
| Average equity | $26,675,000 | 2,612 |
| Average total loans | $175,279,500 | 2,315 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6199% | 1,501 |
| Cost of funding earning assets | 0.4887% | 2,788 |
| Net interest margin | 4.1312% | 1,487 |
| Noninterest income to average assets | 0.5453% | 3,199 |
| Noninterest expense to average assets | 2.7479% | 3,684 |
| Loan and lease loss provision to assets | 0.2404% | 983 |
| Net operating income to assets | 1.0728% | 2,080 |
| Return on assets (ROA) | 1.0749% | 2,123 |
| Pretax return on assets | 1.4958% | 1,556 |
| Return on Equity (ROE) | 10.0986% | 2,075 |
| Retained earnings to average equity (ytd only) | 4.9483% | 2,634 |
| Net charge-offs to loans | 0.0037% | 4,879 |
| Credit loss provision to net charge-offs | 9,500.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 685.0000% | 69 |
| Efficiency ratio | 61.3213% | 5,020 |
| Assets per employee ($millions) | 5.2975% | 1,966 |
| Cash dividends to net income (ytd only)* | 51.0004% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8026% | 5,766 |
| Loan loss allowance to noncurrent loans | 121.0390% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 0.4553% | 4,295 |
| Noncurrent loans to loans | 0.6631% | 3,692 |
| Net loans and leases to total assets | 65.2301% | 3,016 |
| Net loans and leases to deposits | 74.0241% | 3,432 |
| Net loans and leases to core deposits | 177.0059% | 58 |
| Total domestic deposits to total assets | 88.1201% | 1,707 |
| Equity capital to assets | 9.9582% | 4,171 |
| Core capital (leverage) ratio | 9.9220% | 3,687 |
| Tier 1 risk-based capital ratio | 12.6880% | 4,927 |
| Total risk-based capital ratio | 13.4704% | 5,125 |
| Memoranda: | ||
| Average total assets | $237,128,600 | 2,639 |
| Average earning assets | $225,915,000 | 2,567 |
| Average equity | $25,241,000 | 2,638 |
| Average total loans | $160,380,000 | 2,417 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6350% | 1,475 |
| Cost of funding earning assets | 0.4849% | 2,908 |
| Net interest margin | 4.1501% | 1,435 |
| Noninterest income to average assets | 0.5560% | 3,164 |
| Noninterest expense to average assets | 2.7275% | 3,724 |
| Loan and lease loss provision to assets | 0.2346% | 940 |
| Net operating income to assets | 1.1109% | 1,982 |
| Return on assets (ROA) | 1.0901% | 2,145 |
| Pretax return on assets | 1.5158% | 1,595 |
| Return on Equity (ROE) | 10.0544% | 2,196 |
| Retained earnings to average equity (ytd only) | 4.8455% | 3,185 |
| Net charge-offs to loans | 0.0025% | 4,623 |
| Credit loss provision to net charge-offs | 13,500.0000% | 21 |
| Earnings coverage of net charge-offs (x) | 1,023.9750% | 68 |
| Efficiency ratio | 60.5192% | 5,117 |
| Assets per employee ($millions) | 4.8410% | 2,457 |
| Cash dividends to net income (ytd only)* | 51.8067% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7502% | 5,995 |
| Loan loss allowance to noncurrent loans | 102.0644% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 0.5320% | 4,278 |
| Noncurrent loans to loans | 0.7350% | 3,763 |
| Net loans and leases to total assets | 68.9337% | 2,381 |
| Net loans and leases to deposits | 81.5168% | 2,484 |
| Net loans and leases to core deposits | 150.6750% | 100 |
| Total domestic deposits to total assets | 84.5638% | 3,519 |
| Equity capital to assets | 10.9241% | 3,035 |
| Core capital (leverage) ratio | 10.1283% | 3,495 |
| Tier 1 risk-based capital ratio | 13.4904% | 4,547 |
| Total risk-based capital ratio | 14.2416% | 4,794 |
| Memoranda: | ||
| Average total assets | $230,191,750 | 2,717 |
| Average earning assets | $219,138,500 | 2,648 |
| Average equity | $24,957,000 | 2,676 |
| Average total loans | $156,930,750 | 2,479 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6024% | 1,526 |
| Cost of funding earning assets | 0.4722% | 3,094 |
| Net interest margin | 4.1302% | 1,425 |
| Noninterest income to average assets | 0.5188% | 3,348 |
| Noninterest expense to average assets | 2.7553% | 3,680 |
| Loan and lease loss provision to assets | 0.2370% | 956 |
| Net operating income to assets | 1.0470% | 2,130 |
| Return on assets (ROA) | 1.0173% | 2,324 |
| Pretax return on assets | 1.4158% | 1,839 |
| Return on Equity (ROE) | 9.4081% | 2,414 |
| Retained earnings to average equity (ytd only) | 4.1318% | 3,546 |
| Net charge-offs to loans | 0.0039% | 4,249 |
| Credit loss provision to net charge-offs | 9,000.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 643.3333% | 112 |
| Efficiency ratio | 61.9254% | 5,025 |
| Assets per employee ($millions) | 4.9839% | 2,232 |
| Cash dividends to net income (ytd only)* | 56.0828% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6776% | 6,207 |
| Loan loss allowance to noncurrent loans | 69.9492% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 0.6793% | 3,958 |
| Noncurrent loans to loans | 0.9687% | 3,300 |
| Net loans and leases to total assets | 67.4609% | 2,506 |
| Net loans and leases to deposits | 81.7024% | 2,284 |
| Net loans and leases to core deposits | 143.8686% | 121 |
| Total domestic deposits to total assets | 82.5690% | 4,458 |
| Equity capital to assets | 10.5940% | 3,322 |
| Core capital (leverage) ratio | 10.1289% | 3,436 |
| Tier 1 risk-based capital ratio | 13.1161% | 4,838 |
| Total risk-based capital ratio | 13.7825% | 5,131 |
| Memoranda: | ||
| Average total assets | $227,852,670 | 2,750 |
| Average earning assets | $216,843,330 | 2,669 |
| Average equity | $24,638,330 | 2,700 |
| Average total loans | $154,323,330 | 2,513 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4976% | 1,818 |
| Cost of funding earning assets | 0.4997% | 2,913 |
| Net interest margin | 3.9979% | 1,771 |
| Noninterest income to average assets | 0.4735% | 3,609 |
| Noninterest expense to average assets | 2.7583% | 3,721 |
| Loan and lease loss provision to assets | 0.2431% | 897 |
| Net operating income to assets | 1.0183% | 2,137 |
| Return on assets (ROA) | 0.9434% | 2,508 |
| Pretax return on assets | 1.1811% | 2,567 |
| Return on Equity (ROE) | 8.6307% | 2,627 |
| Retained earnings to average equity (ytd only) | 3.2777% | 4,154 |
| Net charge-offs to loans | 0.0160% | 3,271 |
| Credit loss provision to net charge-offs | 2,250.0000% | 153 |
| Earnings coverage of net charge-offs (x) | 140.5000% | 352 |
| Efficiency ratio | 64.5053% | 4,778 |
| Assets per employee ($millions) | 4.8800% | 2,394 |
| Cash dividends to net income (ytd only)* | 62.0229% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6406% | 6,356 |
| Loan loss allowance to noncurrent loans | 69.8332% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 0.6518% | 4,169 |
| Noncurrent loans to loans | 0.9173% | 3,588 |
| Net loans and leases to total assets | 65.1221% | 2,717 |
| Net loans and leases to deposits | 73.8914% | 3,075 |
| Net loans and leases to core deposits | 129.3083% | 193 |
| Total domestic deposits to total assets | 88.1322% | 2,149 |
| Equity capital to assets | 10.7508% | 2,985 |
| Core capital (leverage) ratio | 10.3136% | 3,160 |
| Tier 1 risk-based capital ratio | 14.0152% | 4,326 |
| Total risk-based capital ratio | 14.6523% | 4,695 |
| Memoranda: | ||
| Average total assets | $222,164,500 | 2,808 |
| Average earning assets | $211,312,500 | 2,735 |
| Average equity | $24,285,500 | 2,722 |
| Average total loans | $150,241,500 | 2,580 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9019% | 1,091 |
| Cost of funding earning assets | 0.5709% | 2,916 |
| Net interest margin | 4.3310% | 1,031 |
| Noninterest income to average assets | 0.8510% | 1,864 |
| Noninterest expense to average assets | 2.9185% | 3,318 |
| Loan and lease loss provision to assets | 0.4207% | 704 |
| Net operating income to assets | 1.1065% | 1,915 |
| Return on assets (ROA) | 1.0787% | 2,082 |
| Pretax return on assets | 1.5221% | 1,377 |
| Return on Equity (ROE) | 9.2890% | 2,418 |
| Retained earnings to average equity (ytd only) | 5.2295% | 2,463 |
| Net charge-offs to loans | 0.0251% | 4,919 |
| Credit loss provision to net charge-offs | 2,416.6667% | 95 |
| Earnings coverage of net charge-offs (x) | 113.8611% | 419 |
| Efficiency ratio | 59.5560% | 5,531 |
| Assets per employee ($millions) | 4.3871% | 3,109 |
| Cash dividends to net income (ytd only)* | 43.7024% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5554% | 6,520 |
| Loan loss allowance to noncurrent loans | 122.6471% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 0.3703% | 5,140 |
| Noncurrent loans to loans | 0.4529% | 4,863 |
| Net loans and leases to total assets | 69.4621% | 2,102 |
| Net loans and leases to deposits | 82.5581% | 2,121 |
| Net loans and leases to core deposits | 136.4294% | 149 |
| Total domestic deposits to total assets | 84.1372% | 4,110 |
| Equity capital to assets | 11.1239% | 2,505 |
| Core capital (leverage) ratio | 10.9820% | 2,403 |
| Tier 1 risk-based capital ratio | 13.8213% | 4,419 |
| Total risk-based capital ratio | 14.3762% | 4,840 |
| Memoranda: | ||
| Average total assets | $206,818,400 | 2,950 |
| Average earning assets | $193,372,400 | 2,913 |
| Average equity | $24,017,600 | 2,729 |
| Average total loans | $143,629,200 | 2,648 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9339% | 1,060 |
| Cost of funding earning assets | 0.5806% | 2,992 |
| Net interest margin | 4.3533% | 978 |
| Noninterest income to average assets | 0.9584% | 1,585 |
| Noninterest expense to average assets | 2.9006% | 3,309 |
| Loan and lease loss provision to assets | 0.4786% | 580 |
| Net operating income to assets | 1.1481% | 1,823 |
| Return on assets (ROA) | 1.1427% | 1,915 |
| Pretax return on assets | 1.6284% | 1,269 |
| Return on Equity (ROE) | 9.7320% | 2,290 |
| Retained earnings to average equity (ytd only) | 6.1276% | 2,330 |
| Net charge-offs to loans | 0.0338% | 4,454 |
| Credit loss provision to net charge-offs | 2,041.6667% | 158 |
| Earnings coverage of net charge-offs (x) | 90.2200% | 536 |
| Efficiency ratio | 57.8346% | 5,713 |
| Assets per employee ($millions) | 3.8647% | 4,101 |
| Cash dividends to net income (ytd only)* | 37.0373% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4782% | 6,672 |
| Loan loss allowance to noncurrent loans | 59.8972% | 4,825 |
| Noncurrent assets plus other real estate owned to assets | 0.5903% | 4,674 |
| Noncurrent loans to loans | 0.7983% | 4,244 |
| Net loans and leases to total assets | 69.7100% | 2,014 |
| Net loans and leases to deposits | 82.1222% | 2,122 |
| Net loans and leases to core deposits | 130.2517% | 189 |
| Total domestic deposits to total assets | 84.8857% | 3,797 |
| Equity capital to assets | 11.4113% | 2,370 |
| Core capital (leverage) ratio | 10.9946% | 2,482 |
| Tier 1 risk-based capital ratio | 14.3891% | 4,155 |
| Total risk-based capital ratio | 14.8843% | 4,627 |
| Memoranda: | ||
| Average total assets | $204,780,750 | 2,992 |
| Average earning assets | $190,838,500 | 2,960 |
| Average equity | $24,043,750 | 2,752 |
| Average total loans | $141,997,500 | 2,682 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9686% | 960 |
| Cost of funding earning assets | 0.5903% | 3,031 |
| Net interest margin | 4.3782% | 885 |
| Noninterest income to average assets | 1.0920% | 1,280 |
| Noninterest expense to average assets | 2.9006% | 3,332 |
| Loan and lease loss provision to assets | 0.5603% | 465 |
| Net operating income to assets | 1.1825% | 1,636 |
| Return on assets (ROA) | 1.1893% | 1,726 |
| Pretax return on assets | 1.7014% | 1,110 |
| Return on Equity (ROE) | 10.0332% | 2,185 |
| Retained earnings to average equity (ytd only) | 7.3383% | 1,733 |
| Net charge-offs to loans | -0.0014% | 5,512 |
| Credit loss provision to net charge-offs | -57,000.0000% | 6,311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2953% | 5,930 |
| Assets per employee ($millions) | 3.9946% | 3,816 |
| Cash dividends to net income (ytd only)* | 26.8595% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4070% | 6,766 |
| Loan loss allowance to noncurrent loans | 56.0904% | 4,962 |
| Noncurrent assets plus other real estate owned to assets | 0.5097% | 4,993 |
| Noncurrent loans to loans | 0.7256% | 4,477 |
| Net loans and leases to total assets | 69.9566% | 1,892 |
| Net loans and leases to deposits | 81.3071% | 2,142 |
| Net loans and leases to core deposits | 124.3087% | 250 |
| Total domestic deposits to total assets | 86.0400% | 3,343 |
| Equity capital to assets | 11.8036% | 2,045 |
| Core capital (leverage) ratio | 11.1678% | 2,199 |
| Tier 1 risk-based capital ratio | 14.6231% | 4,019 |
| Total risk-based capital ratio | 15.0473% | 4,534 |
| Memoranda: | ||
| Average total assets | $203,475,670 | 3,032 |
| Average earning assets | $188,706,330 | 3,011 |
| Average equity | $24,120,000 | 2,758 |
| Average total loans | $140,603,000 | 2,706 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8776% | 1,139 |
| Cost of funding earning assets | 0.6076% | 3,036 |
| Net interest margin | 4.2700% | 1,026 |
| Noninterest income to average assets | 1.1434% | 1,142 |
| Noninterest expense to average assets | 2.7991% | 3,700 |
| Loan and lease loss provision to assets | 0.6233% | 398 |
| Net operating income to assets | 1.1571% | 1,646 |
| Return on assets (ROA) | 1.1707% | 1,722 |
| Pretax return on assets | 1.6830% | 1,119 |
| Return on Equity (ROE) | 9.8555% | 2,116 |
| Retained earnings to average equity (ytd only) | 9.8555% | 1,141 |
| Net charge-offs to loans | -0.0028% | 5,190 |
| Credit loss provision to net charge-offs | -32,000.0000% | 5,972 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0364% | 6,152 |
| Assets per employee ($millions) | 4.1401% | 3,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2264% | 6,907 |
| Loan loss allowance to noncurrent loans | 44.3983% | 5,408 |
| Noncurrent assets plus other real estate owned to assets | 0.3493% | 5,550 |
| Noncurrent loans to loans | 0.5098% | 5,155 |
| Net loans and leases to total assets | 68.3521% | 1,949 |
| Net loans and leases to deposits | 78.6485% | 2,257 |
| Net loans and leases to core deposits | 120.7004% | 276 |
| Total domestic deposits to total assets | 86.9084% | 3,012 |
| Equity capital to assets | 11.6056% | 2,327 |
| Core capital (leverage) ratio | 11.1094% | 2,171 |
| Tier 1 risk-based capital ratio | 14.7213% | 4,018 |
| Total risk-based capital ratio | 14.9864% | 4,664 |
| Memoranda: | ||
| Average total assets | $205,349,500 | 3,033 |
| Average earning assets | $189,601,500 | 3,016 |
| Average equity | $24,392,500 | 2,765 |
| Average total loans | $140,757,500 | 2,716 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3937% | 771 |
| Cost of funding earning assets | 0.6966% | 3,518 |
| Net interest margin | 4.6970% | 652 |
| Noninterest income to average assets | 0.5732% | 3,431 |
| Noninterest expense to average assets | 3.0770% | 2,995 |
| Loan and lease loss provision to assets | 0.0969% | 4,439 |
| Net operating income to assets | 1.1999% | 1,604 |
| Return on assets (ROA) | 1.2300% | 1,671 |
| Pretax return on assets | 1.7394% | 1,046 |
| Return on Equity (ROE) | 10.1113% | 2,124 |
| Retained earnings to average equity (ytd only) | 6.9798% | 1,575 |
| Net charge-offs to loans | -0.0100% | 6,462 |
| Credit loss provision to net charge-offs | -1,461.5385% | 6,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4531% | 5,321 |
| Assets per employee ($millions) | 4.0739% | 3,802 |
| Cash dividends to net income (ytd only)* | 30.9701% | 3,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3522% | 4,390 |
| Loan loss allowance to noncurrent loans | 244.3726% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.3795% | 5,554 |
| Noncurrent loans to loans | 0.5533% | 5,144 |
| Net loans and leases to total assets | 67.6567% | 2,252 |
| Net loans and leases to deposits | 83.2472% | 1,846 |
| Net loans and leases to core deposits | 123.0460% | 247 |
| Total domestic deposits to total assets | 81.2721% | 5,320 |
| Equity capital to assets | 12.1559% | 1,940 |
| Core capital (leverage) ratio | 10.3261% | 2,978 |
| Tier 1 risk-based capital ratio | 13.5238% | 4,735 |
| Total risk-based capital ratio | 14.7759% | 4,686 |
| Memoranda: | ||
| Average total assets | $196,102,800 | 3,093 |
| Average earning assets | $179,433,000 | 3,101 |
| Average equity | $23,854,400 | 2,760 |
| Average total loans | $130,018,400 | 2,887 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4374% | 769 |
| Cost of funding earning assets | 0.7114% | 3,670 |
| Net interest margin | 4.7260% | 636 |
| Noninterest income to average assets | 0.5630% | 3,524 |
| Noninterest expense to average assets | 3.1107% | 2,851 |
| Loan and lease loss provision to assets | 0.1030% | 4,293 |
| Net operating income to assets | 1.1881% | 1,781 |
| Return on assets (ROA) | 1.1699% | 2,026 |
| Pretax return on assets | 1.6607% | 1,387 |
| Return on Equity (ROE) | 9.6156% | 2,538 |
| Retained earnings to average equity (ytd only) | 7.2681% | 1,964 |
| Net charge-offs to loans | -0.0115% | 6,388 |
| Credit loss provision to net charge-offs | -1,363.6364% | 6,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7540% | 5,193 |
| Assets per employee ($millions) | 3.9090% | 4,060 |
| Cash dividends to net income (ytd only)* | 24.4131% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3483% | 4,594 |
| Loan loss allowance to noncurrent loans | 247.9195% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.3737% | 5,767 |
| Noncurrent loans to loans | 0.5438% | 5,354 |
| Net loans and leases to total assets | 67.7891% | 2,327 |
| Net loans and leases to deposits | 81.6942% | 2,166 |
| Net loans and leases to core deposits | 121.2150% | 287 |
| Total domestic deposits to total assets | 82.9791% | 4,646 |
| Equity capital to assets | 12.3595% | 1,991 |
| Core capital (leverage) ratio | 10.1014% | 3,408 |
| Tier 1 risk-based capital ratio | 13.4715% | 4,894 |
| Total risk-based capital ratio | 14.7226% | 4,855 |
| Memoranda: | ||
| Average total assets | $194,204,500 | 3,158 |
| Average earning assets | $178,243,500 | 3,156 |
| Average equity | $23,627,750 | 2,808 |
| Average total loans | $127,597,250 | 2,963 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4332% | 818 |
| Cost of funding earning assets | 0.7318% | 3,749 |
| Net interest margin | 4.7015% | 673 |
| Noninterest income to average assets | 0.5403% | 3,653 |
| Noninterest expense to average assets | 3.1317% | 2,813 |
| Loan and lease loss provision to assets | 0.0727% | 4,720 |
| Net operating income to assets | 1.1632% | 1,841 |
| Return on assets (ROA) | 1.1315% | 2,158 |
| Pretax return on assets | 1.5970% | 1,556 |
| Return on Equity (ROE) | 9.3515% | 2,647 |
| Retained earnings to average equity (ytd only) | 7.6341% | 1,796 |
| Net charge-offs to loans | -0.0064% | 6,209 |
| Credit loss provision to net charge-offs | -1,750.0000% | 6,478 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8645% | 5,104 |
| Assets per employee ($millions) | 3.8610% | 4,166 |
| Cash dividends to net income (ytd only)* | 18.3655% | 3,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3427% | 4,692 |
| Loan loss allowance to noncurrent loans | 245.4672% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.3860% | 5,816 |
| Noncurrent loans to loans | 0.5470% | 5,425 |
| Net loans and leases to total assets | 65.6732% | 2,737 |
| Net loans and leases to deposits | 76.9712% | 2,839 |
| Net loans and leases to core deposits | 108.9692% | 617 |
| Total domestic deposits to total assets | 85.3217% | 3,700 |
| Equity capital to assets | 12.1030% | 2,068 |
| Core capital (leverage) ratio | 9.9888% | 3,434 |
| Tier 1 risk-based capital ratio | 13.8983% | 4,527 |
| Total risk-based capital ratio | 15.1491% | 4,499 |
| Memoranda: | ||
| Average total assets | $192,485,670 | 3,187 |
| Average earning assets | $176,286,000 | 3,185 |
| Average equity | $23,290,330 | 2,826 |
| Average total loans | $124,465,670 | 3,033 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3038% | 1,087 |
| Cost of funding earning assets | 0.7659% | 3,736 |
| Net interest margin | 4.5379% | 946 |
| Noninterest income to average assets | 0.5024% | 3,893 |
| Noninterest expense to average assets | 3.0903% | 2,946 |
| Loan and lease loss provision to assets | 0.0210% | 5,076 |
| Net operating income to assets | 1.0958% | 2,107 |
| Return on assets (ROA) | 1.0301% | 2,544 |
| Pretax return on assets | 1.4463% | 2,033 |
| Return on Equity (ROE) | 8.5145% | 3,052 |
| Retained earnings to average equity (ytd only) | 8.5145% | 1,775 |
| Net charge-offs to loans | -0.0033% | 5,751 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,917 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4557% | 4,472 |
| Assets per employee ($millions) | 3.9291% | 4,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3887% | 4,663 |
| Loan loss allowance to noncurrent loans | 212.6566% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.6521% | 5,260 |
| Noncurrent loans to loans | 0.6530% | 5,337 |
| Net loans and leases to total assets | 61.3371% | 3,385 |
| Net loans and leases to deposits | 72.7119% | 3,318 |
| Net loans and leases to core deposits | 98.4300% | 1,098 |
| Total domestic deposits to total assets | 84.3564% | 4,344 |
| Equity capital to assets | 11.9054% | 2,109 |
| Core capital (leverage) ratio | 10.1840% | 3,133 |
| Tier 1 risk-based capital ratio | 14.5623% | 4,054 |
| Total risk-based capital ratio | 15.8137% | 4,010 |
| Memoranda: | ||
| Average total assets | $190,273,500 | 3,231 |
| Average earning assets | $173,914,000 | 3,237 |
| Average equity | $23,019,500 | 2,851 |
| Average total loans | $121,160,000 | 3,129 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6540% | 862 |
| Cost of funding earning assets | 1.0016% | 3,368 |
| Net interest margin | 4.6524% | 829 |
| Noninterest income to average assets | 0.4867% | 3,949 |
| Noninterest expense to average assets | 3.1874% | 2,910 |
| Loan and lease loss provision to assets | 0.0828% | 5,578 |
| Net operating income to assets | 1.0547% | 1,986 |
| Return on assets (ROA) | 1.0551% | 2,127 |
| Pretax return on assets | 1.4337% | 1,675 |
| Return on Equity (ROE) | 8.8573% | 2,517 |
| Retained earnings to average equity (ytd only) | 7.0043% | 1,501 |
| Net charge-offs to loans | -0.0531% | 7,061 |
| Credit loss provision to net charge-offs | -245.9016% | 6,763 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7696% | 4,408 |
| Assets per employee ($millions) | 3.3471% | 5,387 |
| Cash dividends to net income (ytd only)* | 20.9205% | 3,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4036% | 4,439 |
| Loan loss allowance to noncurrent loans | 213.1479% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.7312% | 5,181 |
| Noncurrent loans to loans | 0.6585% | 5,388 |
| Net loans and leases to total assets | 64.3359% | 3,111 |
| Net loans and leases to deposits | 78.0159% | 2,839 |
| Net loans and leases to core deposits | 108.8686% | 661 |
| Total domestic deposits to total assets | 82.4651% | 4,974 |
| Equity capital to assets | 12.3038% | 1,906 |
| Core capital (leverage) ratio | 9.9834% | 3,357 |
| Tier 1 risk-based capital ratio | 14.5384% | 3,945 |
| Total risk-based capital ratio | 15.7906% | 3,917 |
| Memoranda: | ||
| Average total assets | $181,214,800 | 3,315 |
| Average earning assets | $164,237,400 | 3,329 |
| Average equity | $21,586,600 | 2,934 |
| Average total loans | $114,959,200 | 3,274 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6557% | 923 |
| Cost of funding earning assets | 1.0364% | 3,418 |
| Net interest margin | 4.6193% | 911 |
| Noninterest income to average assets | 0.5577% | 3,463 |
| Noninterest expense to average assets | 3.2532% | 2,654 |
| Loan and lease loss provision to assets | 0.0960% | 5,258 |
| Net operating income to assets | 1.0196% | 2,252 |
| Return on assets (ROA) | 1.0452% | 2,311 |
| Pretax return on assets | 1.4212% | 1,878 |
| Return on Equity (ROE) | 8.8488% | 2,679 |
| Retained earnings to average equity (ytd only) | 7.5980% | 1,662 |
| Net charge-offs to loans | -0.1337% | 7,212 |
| Credit loss provision to net charge-offs | -114.0351% | 6,530 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6944% | 4,176 |
| Assets per employee ($millions) | 3.4806% | 5,050 |
| Cash dividends to net income (ytd only)* | 14.1343% | 3,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4112% | 4,510 |
| Loan loss allowance to noncurrent loans | 183.6538% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.8449% | 5,071 |
| Noncurrent loans to loans | 0.7684% | 5,334 |
| Net loans and leases to total assets | 63.8930% | 3,332 |
| Net loans and leases to deposits | 78.0200% | 2,985 |
| Net loans and leases to core deposits | 111.8094% | 616 |
| Total domestic deposits to total assets | 81.8930% | 5,136 |
| Equity capital to assets | 11.9060% | 2,326 |
| Core capital (leverage) ratio | 9.8108% | 3,694 |
| Tier 1 risk-based capital ratio | 14.2004% | 4,203 |
| Total risk-based capital ratio | 15.4524% | 4,168 |
| Memoranda: | ||
| Average total assets | $180,496,000 | 3,339 |
| Average earning assets | $163,254,000 | 3,365 |
| Average equity | $21,320,750 | 2,968 |
| Average total loans | $113,668,500 | 3,327 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6602% | 944 |
| Cost of funding earning assets | 1.0784% | 3,400 |
| Net interest margin | 4.5817% | 944 |
| Noninterest income to average assets | 0.5404% | 3,554 |
| Noninterest expense to average assets | 3.2774% | 2,642 |
| Loan and lease loss provision to assets | 0.1124% | 4,891 |
| Net operating income to assets | 0.9520% | 2,429 |
| Return on assets (ROA) | 0.9786% | 2,416 |
| Pretax return on assets | 1.3157% | 2,091 |
| Return on Equity (ROE) | 8.3078% | 2,805 |
| Retained earnings to average equity (ytd only) | 8.3078% | 1,339 |
| Net charge-offs to loans | -0.0631% | 7,067 |
| Credit loss provision to net charge-offs | -285.7143% | 6,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1877% | 4,078 |
| Assets per employee ($millions) | 3.4675% | 5,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3512% | 4,827 |
| Loan loss allowance to noncurrent loans | 638.8889% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.4988% | 5,918 |
| Noncurrent loans to loans | 0.2115% | 6,485 |
| Net loans and leases to total assets | 62.7764% | 3,723 |
| Net loans and leases to deposits | 74.7015% | 3,691 |
| Net loans and leases to core deposits | 104.7890% | 1,000 |
| Total domestic deposits to total assets | 84.0363% | 4,333 |
| Equity capital to assets | 11.6073% | 2,407 |
| Core capital (leverage) ratio | 9.9246% | 3,355 |
| Tier 1 risk-based capital ratio | 14.2496% | 3,979 |
| Total risk-based capital ratio | 15.5022% | 3,951 |
| Memoranda: | ||
| Average total assets | $178,009,670 | 3,397 |
| Average earning assets | $160,419,330 | 3,437 |
| Average equity | $20,968,330 | 3,001 |
| Average total loans | $110,955,000 | 3,434 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7579% | 793 |
| Cost of funding earning assets | 1.1845% | 2,917 |
| Net interest margin | 4.5734% | 911 |
| Noninterest income to average assets | 0.5560% | 3,467 |
| Noninterest expense to average assets | 3.2920% | 2,585 |
| Loan and lease loss provision to assets | 0.1384% | 4,276 |
| Net operating income to assets | 0.9193% | 2,479 |
| Return on assets (ROA) | 0.9643% | 2,365 |
| Pretax return on assets | 1.2919% | 2,067 |
| Return on Equity (ROE) | 8.1222% | 2,853 |
| Retained earnings to average equity (ytd only) | 8.1222% | 1,684 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6086% | 4,136 |
| Assets per employee ($millions) | 3.2337% | 5,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4590% | 4,396 |
| Loan loss allowance to noncurrent loans | 503.2787% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.6196% | 5,724 |
| Noncurrent loans to loans | 0.2899% | 6,407 |
| Net loans and leases to total assets | 59.3701% | 4,393 |
| Net loans and leases to deposits | 70.0676% | 4,335 |
| Net loans and leases to core deposits | 95.0457% | 1,765 |
| Total domestic deposits to total assets | 84.7326% | 4,158 |
| Equity capital to assets | 11.9488% | 1,948 |
| Core capital (leverage) ratio | 9.9131% | 3,254 |
| Tier 1 risk-based capital ratio | 14.7016% | 3,609 |
| Total risk-based capital ratio | 15.9531% | 3,565 |
| Memoranda: | ||
| Average total assets | $173,392,500 | 3,497 |
| Average earning assets | $155,682,000 | 3,549 |
| Average equity | $20,585,500 | 3,040 |
| Average total loans | $106,855,000 | 3,562 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8022% | 1,272 |
| Cost of funding earning assets | 1.8790% | 912 |
| Net interest margin | 3.9232% | 3,385 |
| Noninterest income to average assets | 0.3215% | 5,482 |
| Noninterest expense to average assets | 3.1467% | 3,287 |
| Loan and lease loss provision to assets | 0.7545% | 2,175 |
| Net operating income to assets | 0.0777% | 5,643 |
| Return on assets (ROA) | -2.1171% | 7,101 |
| Pretax return on assets | -3.5294% | 7,374 |
| Return on Equity (ROE) | -19.4048% | 7,027 |
| Retained earnings to average equity (ytd only) | -19.4048% | 7,003 |
| Net charge-offs to loans | 1.9788% | 1,028 |
| Credit loss provision to net charge-offs | 63.1001% | 6,029 |
| Earnings coverage of net charge-offs (x) | 0.5473% | 5,563 |
| Efficiency ratio | 82.7819% | 2,070 |
| Assets per employee ($millions) | 3.1303% | 5,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3594% | 4,699 |
| Loan loss allowance to noncurrent loans | 482.0261% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.6290% | 5,747 |
| Noncurrent loans to loans | 0.2820% | 6,493 |
| Net loans and leases to total assets | 62.1659% | 4,250 |
| Net loans and leases to deposits | 73.8246% | 4,222 |
| Net loans and leases to core deposits | 94.8166% | 2,156 |
| Total domestic deposits to total assets | 84.2076% | 4,270 |
| Equity capital to assets | 11.7945% | 2,046 |
| Core capital (leverage) ratio | 9.4811% | 3,724 |
| Tier 1 risk-based capital ratio | 13.8413% | 3,970 |
| Total risk-based capital ratio | 15.0920% | 3,950 |
| Memoranda: | ||
| Average total assets | $182,892,400 | 3,328 |
| Average earning assets | $162,215,600 | 3,409 |
| Average equity | $19,953,800 | 3,151 |
| Average total loans | $110,520,400 | 3,534 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8505% | 1,255 |
| Cost of funding earning assets | 1.9577% | 862 |
| Net interest margin | 3.8928% | 3,558 |
| Noninterest income to average assets | 0.1602% | 6,717 |
| Noninterest expense to average assets | 3.1139% | 3,278 |
| Loan and lease loss provision to assets | 0.9556% | 1,559 |
| Net operating income to assets | -0.1456% | 6,239 |
| Return on assets (ROA) | -3.0190% | 7,464 |
| Pretax return on assets | -4.9531% | 7,637 |
| Return on Equity (ROE) | -28.2020% | 7,361 |
| Retained earnings to average equity (ytd only) | -28.2020% | 7,352 |
| Net charge-offs to loans | 2.6264% | 632 |
| Credit loss provision to net charge-offs | 60.8139% | 5,670 |
| Earnings coverage of net charge-offs (x) | 0.3132% | 5,713 |
| Efficiency ratio | 86.3519% | 1,595 |
| Assets per employee ($millions) | 3.1722% | 5,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2854% | 5,039 |
| Loan loss allowance to noncurrent loans | 678.5714% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.5556% | 6,038 |
| Noncurrent loans to loans | 0.1894% | 6,805 |
| Net loans and leases to total assets | 61.6059% | 4,612 |
| Net loans and leases to deposits | 72.5755% | 4,756 |
| Net loans and leases to core deposits | 99.5090% | 1,893 |
| Total domestic deposits to total assets | 84.8853% | 3,676 |
| Equity capital to assets | 11.4432% | 2,580 |
| Core capital (leverage) ratio | 9.1997% | 4,370 |
| Tier 1 risk-based capital ratio | 13.0923% | 4,505 |
| Total risk-based capital ratio | 14.3129% | 4,507 |
| Memoranda: | ||
| Average total assets | $185,574,250 | 3,333 |
| Average earning assets | $164,266,250 | 3,422 |
| Average equity | $19,865,750 | 3,205 |
| Average total loans | $111,024,750 | 3,581 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9097% | 1,160 |
| Cost of funding earning assets | 2.0180% | 863 |
| Net interest margin | 3.8917% | 3,485 |
| Noninterest income to average assets | 0.3740% | 5,137 |
| Noninterest expense to average assets | 3.0688% | 3,433 |
| Loan and lease loss provision to assets | 0.4569% | 3,035 |
| Net operating income to assets | 0.3290% | 5,069 |
| Return on assets (ROA) | -2.4939% | 7,426 |
| Pretax return on assets | -4.1218% | 7,620 |
| Return on Equity (ROE) | -23.8133% | 7,352 |
| Retained earnings to average equity (ytd only) | -23.8133% | 7,337 |
| Net charge-offs to loans | 2.3461% | 746 |
| Credit loss provision to net charge-offs | 33.0008% | 5,695 |
| Earnings coverage of net charge-offs (x) | 0.5388% | 5,196 |
| Efficiency ratio | 80.4457% | 2,378 |
| Assets per employee ($millions) | 3.2761% | 5,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2891% | 4,991 |
| Loan loss allowance to noncurrent loans | 79.0567% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 1.6243% | 4,005 |
| Noncurrent loans to loans | 1.6306% | 4,265 |
| Net loans and leases to total assets | 58.7672% | 5,290 |
| Net loans and leases to deposits | 68.6180% | 5,471 |
| Net loans and leases to core deposits | 95.8774% | 2,452 |
| Total domestic deposits to total assets | 85.6440% | 3,289 |
| Equity capital to assets | 10.9221% | 2,948 |
| Core capital (leverage) ratio | 9.6217% | 3,655 |
| Tier 1 risk-based capital ratio | 13.5022% | 4,062 |
| Total risk-based capital ratio | 14.6585% | 4,096 |
| Memoranda: | ||
| Average total assets | $188,218,330 | 3,333 |
| Average earning assets | $166,405,330 | 3,402 |
| Average equity | $19,711,670 | 3,213 |
| Average total loans | $111,078,670 | 3,604 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8782% | 1,255 |
| Cost of funding earning assets | 2.1033% | 806 |
| Net interest margin | 3.7749% | 3,895 |
| Noninterest income to average assets | 0.4575% | 4,400 |
| Noninterest expense to average assets | 2.8332% | 4,357 |
| Loan and lease loss provision to assets | 0.2728% | 3,843 |
| Net operating income to assets | 0.5535% | 4,121 |
| Return on assets (ROA) | -2.7010% | 7,593 |
| Pretax return on assets | -4.3925% | 7,717 |
| Return on Equity (ROE) | -26.3345% | 7,519 |
| Retained earnings to average equity (ytd only) | -26.3345% | 7,481 |
| Net charge-offs to loans | 2.1642% | 787 |
| Credit loss provision to net charge-offs | 21.4521% | 4,931 |
| Earnings coverage of net charge-offs (x) | 0.7591% | 4,351 |
| Efficiency ratio | 74.5856% | 3,471 |
| Assets per employee ($millions) | 3.2638% | 5,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6508% | 3,247 |
| Loan loss allowance to noncurrent loans | 85.5045% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 1.8566% | 3,695 |
| Noncurrent loans to loans | 1.9307% | 3,886 |
| Net loans and leases to total assets | 57.8029% | 5,475 |
| Net loans and leases to deposits | 67.6346% | 5,636 |
| Net loans and leases to core deposits | 92.2057% | 3,081 |
| Total domestic deposits to total assets | 85.4634% | 3,430 |
| Equity capital to assets | 10.3551% | 3,402 |
| Core capital (leverage) ratio | 9.8840% | 3,301 |
| Tier 1 risk-based capital ratio | 11.7146% | 5,479 |
| Total risk-based capital ratio | 12.7949% | 5,606 |
| Memoranda: | ||
| Average total assets | $190,596,000 | 3,360 |
| Average earning assets | $168,691,000 | 3,420 |
| Average equity | $19,548,500 | 3,260 |
| Average total loans | $112,006,000 | 3,645 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0117% | 1,819 |
| Cost of funding earning assets | 2.3113% | 1,610 |
| Net interest margin | 3.7004% | 4,143 |
| Noninterest income to average assets | 0.4328% | 4,931 |
| Noninterest expense to average assets | 2.7781% | 5,059 |
| Loan and lease loss provision to assets | 1.3125% | 1,754 |
| Net operating income to assets | -0.0698% | 5,624 |
| Return on assets (ROA) | -0.9494% | 6,542 |
| Pretax return on assets | -1.6638% | 6,793 |
| Return on Equity (ROE) | -8.9176% | 6,535 |
| Retained earnings to average equity (ytd only) | -8.9176% | 6,422 |
| Net charge-offs to loans | 2.1151% | 1,151 |
| Credit loss provision to net charge-offs | 101.2874% | 5,449 |
| Earnings coverage of net charge-offs (x) | 0.7895% | 5,317 |
| Efficiency ratio | 73.0864% | 4,077 |
| Assets per employee ($millions) | 3.3078% | 5,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9891% | 2,060 |
| Loan loss allowance to noncurrent loans | 58.9863% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 2.5477% | 2,746 |
| Noncurrent loans to loans | 3.3722% | 2,264 |
| Net loans and leases to total assets | 57.5908% | 5,730 |
| Net loans and leases to deposits | 68.7503% | 5,751 |
| Net loans and leases to core deposits | 101.3070% | 3,871 |
| Total domestic deposits to total assets | 83.7680% | 4,142 |
| Equity capital to assets | 10.1625% | 3,543 |
| Core capital (leverage) ratio | 10.3530% | 2,735 |
| Tier 1 risk-based capital ratio | 11.7138% | 5,183 |
| Total risk-based capital ratio | 12.9659% | 5,144 |
| Memoranda: | ||
| Average total assets | $203,812,000 | 3,137 |
| Average earning assets | $185,522,400 | 3,150 |
| Average equity | $21,698,600 | 2,985 |
| Average total loans | $124,864,600 | 3,381 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1239% | 1,567 |
| Cost of funding earning assets | 2.3046% | 1,969 |
| Net interest margin | 3.8193% | 3,576 |
| Noninterest income to average assets | 0.3463% | 5,728 |
| Noninterest expense to average assets | 2.7873% | 4,943 |
| Loan and lease loss provision to assets | 1.0195% | 1,883 |
| Net operating income to assets | 0.1297% | 5,377 |
| Return on assets (ROA) | -0.2796% | 6,186 |
| Pretax return on assets | -0.6007% | 6,390 |
| Return on Equity (ROE) | -2.5986% | 6,178 |
| Retained earnings to average equity (ytd only) | -2.5986% | 5,840 |
| Net charge-offs to loans | 1.9087% | 1,049 |
| Credit loss provision to net charge-offs | 86.3487% | 5,582 |
| Earnings coverage of net charge-offs (x) | 0.8964% | 5,162 |
| Efficiency ratio | 72.4794% | 4,155 |
| Assets per employee ($millions) | 3.5899% | 4,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6671% | 2,740 |
| Loan loss allowance to noncurrent loans | 39.4316% | 5,724 |
| Noncurrent assets plus other real estate owned to assets | 3.1260% | 2,190 |
| Noncurrent loans to loans | 4.2278% | 1,703 |
| Net loans and leases to total assets | 59.6891% | 5,628 |
| Net loans and leases to deposits | 71.0136% | 5,794 |
| Net loans and leases to core deposits | 103.0184% | 4,054 |
| Total domestic deposits to total assets | 84.0531% | 3,700 |
| Equity capital to assets | 11.4119% | 2,663 |
| Core capital (leverage) ratio | 10.7622% | 2,592 |
| Tier 1 risk-based capital ratio | 11.9750% | 4,996 |
| Total risk-based capital ratio | 13.1525% | 5,000 |
| Memoranda: | ||
| Average total assets | $205,975,500 | 3,126 |
| Average earning assets | $188,719,000 | 3,128 |
| Average equity | $22,165,000 | 2,954 |
| Average total loans | $127,412,250 | 3,351 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9776% | 2,275 |
| Cost of funding earning assets | 2.3507% | 2,156 |
| Net interest margin | 3.6270% | 4,259 |
| Noninterest income to average assets | 0.2787% | 6,271 |
| Noninterest expense to average assets | 2.7469% | 5,191 |
| Loan and lease loss provision to assets | 1.1254% | 1,523 |
| Net operating income to assets | -0.0541% | 5,927 |
| Return on assets (ROA) | -0.4636% | 6,517 |
| Pretax return on assets | -0.8965% | 6,743 |
| Return on Equity (ROE) | -4.3915% | 6,532 |
| Retained earnings to average equity (ytd only) | -4.3915% | 6,203 |
| Net charge-offs to loans | 1.0636% | 1,695 |
| Credit loss provision to net charge-offs | 170.0434% | 2,708 |
| Earnings coverage of net charge-offs (x) | 1.3126% | 4,537 |
| Efficiency ratio | 75.9735% | 3,694 |
| Assets per employee ($millions) | 3.6332% | 4,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1924% | 1,258 |
| Loan loss allowance to noncurrent loans | 33.5380% | 6,227 |
| Noncurrent assets plus other real estate owned to assets | 4.0751% | 1,439 |
| Noncurrent loans to loans | 6.5370% | 802 |
| Net loans and leases to total assets | 60.9713% | 5,524 |
| Net loans and leases to deposits | 71.4648% | 5,816 |
| Net loans and leases to core deposits | 100.5165% | 4,457 |
| Total domestic deposits to total assets | 85.3167% | 3,100 |
| Equity capital to assets | 10.3896% | 3,527 |
| Core capital (leverage) ratio | 9.4257% | 3,993 |
| Tier 1 risk-based capital ratio | 11.5411% | 5,342 |
| Total risk-based capital ratio | 12.7781% | 5,283 |
| Memoranda: | ||
| Average total assets | $208,819,670 | 3,122 |
| Average earning assets | $192,116,670 | 3,116 |
| Average equity | $22,042,670 | 2,965 |
| Average total loans | $129,933,000 | 3,339 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6789% | 3,904 |
| Cost of funding earning assets | 2.3757% | 2,392 |
| Net interest margin | 3.3032% | 5,485 |
| Noninterest income to average assets | 0.4707% | 4,587 |
| Noninterest expense to average assets | 2.6458% | 5,238 |
| Loan and lease loss provision to assets | 0.6094% | 2,066 |
| Net operating income to assets | 0.2495% | 5,489 |
| Return on assets (ROA) | 0.2963% | 5,482 |
| Pretax return on assets | 0.3094% | 5,658 |
| Return on Equity (ROE) | 2.7862% | 5,460 |
| Retained earnings to average equity (ytd only) | 2.7862% | 4,331 |
| Net charge-offs to loans | -0.0030% | 7,134 |
| Credit loss provision to net charge-offs | -32,500.0000% | 6,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2533% | 3,612 |
| Assets per employee ($millions) | 3.8553% | 3,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9910% | 1,440 |
| Loan loss allowance to noncurrent loans | 64.5995% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 1.8784% | 3,096 |
| Noncurrent loans to loans | 3.0820% | 2,104 |
| Net loans and leases to total assets | 59.7336% | 5,702 |
| Net loans and leases to deposits | 71.4872% | 5,808 |
| Net loans and leases to core deposits | 98.9910% | 4,643 |
| Total domestic deposits to total assets | 83.5585% | 3,896 |
| Equity capital to assets | 10.5087% | 3,456 |
| Core capital (leverage) ratio | 9.5734% | 3,903 |
| Tier 1 risk-based capital ratio | 10.8861% | 6,006 |
| Total risk-based capital ratio | 12.1391% | 5,911 |
| Memoranda: | ||
| Average total assets | $213,317,000 | 3,078 |
| Average earning assets | $196,659,500 | 3,057 |
| Average equity | $22,683,500 | 2,900 |
| Average total loans | $132,616,000 | 3,311 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0385% | 1,034 |
| Cost of funding earning assets | 3.1797% | 1,254 |
| Net interest margin | 3.8587% | 3,753 |
| Noninterest income to average assets | 0.4082% | 5,404 |
| Noninterest expense to average assets | 2.4718% | 6,122 |
| Loan and lease loss provision to assets | 0.3490% | 3,607 |
| Net operating income to assets | 0.8135% | 3,378 |
| Return on assets (ROA) | 0.8114% | 3,228 |
| Pretax return on assets | 1.1513% | 2,831 |
| Return on Equity (ROE) | 8.6813% | 2,760 |
| Retained earnings to average equity (ytd only) | 4.3836% | 2,390 |
| Net charge-offs to loans | 0.0270% | 6,455 |
| Credit loss provision to net charge-offs | 1,985.7143% | 228 |
| Earnings coverage of net charge-offs (x) | 85.5429% | 494 |
| Efficiency ratio | 62.1826% | 5,920 |
| Assets per employee ($millions) | 3.9017% | 3,726 |
| Cash dividends to net income (ytd only)* | 49.5050% | 3,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6522% | 2,056 |
| Loan loss allowance to noncurrent loans | 2,956.5789% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0354% | 7,451 |
| Noncurrent loans to loans | 0.0559% | 7,286 |
| Net loans and leases to total assets | 62.3283% | 5,571 |
| Net loans and leases to deposits | 76.1546% | 5,573 |
| Net loans and leases to core deposits | 102.5383% | 4,545 |
| Total domestic deposits to total assets | 81.8445% | 4,263 |
| Equity capital to assets | 10.7572% | 3,241 |
| Core capital (leverage) ratio | 9.5469% | 3,953 |
| Tier 1 risk-based capital ratio | 11.4754% | 5,262 |
| Total risk-based capital ratio | 12.7267% | 5,153 |
| Memoranda: | ||
| Average total assets | $199,166,800 | 3,148 |
| Average earning assets | $184,103,000 | 3,135 |
| Average equity | $18,614,800 | 3,459 |
| Average total loans | $129,706,600 | 3,275 |