Home > FlatIrons Bank > Performance and Condition Ratios
FlatIrons Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9787% | 2,113 |
| Cost of funding earning assets | 2.1877% | 653 |
| Net interest margin | 2.7911% | 3,682 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.3481% | 2,723 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.5493% | 3,568 |
| Return on assets (ROA) | 0.5496% | 3,555 |
| Pretax return on assets | 0.5496% | 3,722 |
| Return on Equity (ROE) | 8.5400% | 2,881 |
| Retained earnings to average equity (ytd only) | 7.3155% | 1,786 |
| Net charge-offs to loans | -0.0334% | 4,286 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 80.1490% | 907 |
| Assets per employee ($millions) | 9.9761% | 711 |
| Cash dividends to net income (ytd only)* | 14.3843% | 3,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2230% | 2,160 |
| Loan loss allowance to noncurrent loans | 442.6112% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.2183% | 2,135 |
| Noncurrent loans to loans | 0.2763% | 2,190 |
| Net loans and leases to total assets | 78.0500% | 863 |
| Net loans and leases to deposits | 94.6814% | 891 |
| Net loans and leases to core deposits | 104.4755% | 1,194 |
| Total domestic deposits to total assets | 82.4400% | 3,040 |
| Equity capital to assets | 6.8740% | 3,982 |
| Core capital (leverage) ratio | 8.6416% | 4,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6346% | 2,370 |
| Memoranda: | ||
| Average total assets | $316,211,000 | 2,336 |
| Average earning assets | $308,091,000 | 2,257 |
| Average equity | $20,340,400 | 2,831 |
| Average total loans | $248,301,800 | 2,011 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9223% | 2,016 |
| Cost of funding earning assets | 2.1110% | 581 |
| Net interest margin | 2.8113% | 3,708 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.3825% | 2,573 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.5541% | 3,655 |
| Return on assets (ROA) | 0.5545% | 3,640 |
| Pretax return on assets | 0.5545% | 3,817 |
| Return on Equity (ROE) | 8.7700% | 2,991 |
| Retained earnings to average equity (ytd only) | 8.1043% | 1,926 |
| Net charge-offs to loans | -0.0447% | 4,339 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 80.7593% | 822 |
| Assets per employee ($millions) | 8.6628% | 1,052 |
| Cash dividends to net income (ytd only)* | 7.6220% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2529% | 2,089 |
| Loan loss allowance to noncurrent loans | 443.4907% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.2241% | 2,144 |
| Noncurrent loans to loans | 0.2825% | 2,227 |
| Net loans and leases to total assets | 78.3400% | 841 |
| Net loans and leases to deposits | 97.6366% | 637 |
| Net loans and leases to core deposits | 103.4456% | 1,145 |
| Total domestic deposits to total assets | 80.2400% | 3,492 |
| Equity capital to assets | 6.1242% | 3,947 |
| Core capital (leverage) ratio | 8.6012% | 4,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8549% | 2,320 |
| Memoranda: | ||
| Average total assets | $315,455,250 | 2,347 |
| Average earning assets | $307,272,000 | 2,260 |
| Average equity | $19,939,500 | 2,853 |
| Average total loans | $247,313,000 | 2,013 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7728% | 2,056 |
| Cost of funding earning assets | 1.9681% | 530 |
| Net interest margin | 2.8047% | 3,812 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 2.3818% | 2,549 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5710% | 3,654 |
| Return on assets (ROA) | 0.5716% | 3,657 |
| Pretax return on assets | 0.5716% | 3,847 |
| Return on Equity (ROE) | 8.9300% | 3,002 |
| Retained earnings to average equity (ytd only) | 8.4342% | 1,838 |
| Net charge-offs to loans | 0.0024% | 2,269 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 301.3333% | 449 |
| Efficiency ratio | 80.6631% | 801 |
| Assets per employee ($millions) | 8.6433% | 1,026 |
| Cash dividends to net income (ytd only)* | 5.5249% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2191% | 2,355 |
| Loan loss allowance to noncurrent loans | 662.6667% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.1446% | 2,534 |
| Noncurrent loans to loans | 0.1840% | 2,552 |
| Net loans and leases to total assets | 77.6500% | 871 |
| Net loans and leases to deposits | 93.3164% | 921 |
| Net loans and leases to core deposits | 98.4004% | 1,325 |
| Total domestic deposits to total assets | 83.2200% | 2,996 |
| Equity capital to assets | 6.5208% | 3,989 |
| Core capital (leverage) ratio | 8.6625% | 4,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5436% | 2,447 |
| Memoranda: | ||
| Average total assets | $316,653,667 | 2,349 |
| Average earning assets | $308,415,333 | 2,264 |
| Average equity | $20,274,667 | 2,839 |
| Average total loans | $247,276,333 | 2,010 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3165% | 1,021 |
| Cost of funding earning assets | 0.6966% | 591 |
| Net interest margin | 3.6199% | 1,590 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 2.2079% | 3,004 |
| Loan and lease loss provision to assets | 0.4600% | 135 |
| Net operating income to assets | 1.0642% | 2,325 |
| Return on assets (ROA) | 1.0292% | 2,401 |
| Pretax return on assets | 1.0825% | 2,828 |
| Return on Equity (ROE) | 14.4300% | 1,425 |
| Retained earnings to average equity (ytd only) | 1.6654% | 4,057 |
| Net charge-offs to loans | 0.4268% | 177 |
| Credit loss provision to net charge-offs | 145.0102% | 1,322 |
| Earnings coverage of net charge-offs (x) | 4.9807% | 2,392 |
| Efficiency ratio | 58.3035% | 3,297 |
| Assets per employee ($millions) | 9.5214% | 776 |
| Cash dividends to net income (ytd only)* | 88.4567% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1966% | 2,404 |
| Loan loss allowance to noncurrent loans | 166.5179% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 0.5536% | 909 |
| Noncurrent loans to loans | 0.7186% | 1,047 |
| Net loans and leases to total assets | 76.1100% | 998 |
| Net loans and leases to deposits | 89.6247% | 1,079 |
| Net loans and leases to core deposits | 103.4133% | 841 |
| Total domestic deposits to total assets | 84.9200% | 3,012 |
| Equity capital to assets | 6.1632% | 4,032 |
| Core capital (leverage) ratio | 8.2736% | 4,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9755% | 2,743 |
| Memoranda: | ||
| Average total assets | $309,756,800 | 2,407 |
| Average earning assets | $303,023,400 | 2,321 |
| Average equity | $22,096,600 | 2,766 |
| Average total loans | $230,057,600 | 2,055 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2072% | 880 |
| Cost of funding earning assets | 0.4382% | 1,047 |
| Net interest margin | 3.7690% | 1,002 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 2.2620% | 2,746 |
| Loan and lease loss provision to assets | 0.2100% | 415 |
| Net operating income to assets | 1.4102% | 1,062 |
| Return on assets (ROA) | 1.3914% | 1,086 |
| Pretax return on assets | 1.4562% | 1,534 |
| Return on Equity (ROE) | 18.8300% | 539 |
| Retained earnings to average equity (ytd only) | 11.7585% | 849 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.2499% | 3,483 |
| Assets per employee ($millions) | 8.9896% | 892 |
| Cash dividends to net income (ytd only)* | 37.5469% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2492% | 2,262 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 76.2100% | 890 |
| Net loans and leases to deposits | 88.2894% | 1,012 |
| Net loans and leases to core deposits | 103.1997% | 688 |
| Total domestic deposits to total assets | 86.3100% | 2,982 |
| Equity capital to assets | 6.3887% | 3,798 |
| Core capital (leverage) ratio | 8.5693% | 3,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0686% | 2,451 |
| Memoranda: | ||
| Average total assets | $306,264,250 | 2,437 |
| Average earning assets | $300,016,250 | 2,359 |
| Average equity | $22,632,750 | 2,765 |
| Average total loans | $225,231,000 | 2,079 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9970% | 941 |
| Cost of funding earning assets | 0.2139% | 2,720 |
| Net interest margin | 3.7831% | 778 |
| Noninterest income to average assets | 0.2709% | 3,548 |
| Noninterest expense to average assets | 2.2407% | 2,731 |
| Loan and lease loss provision to assets | 0.2669% | 262 |
| Net operating income to assets | 1.4037% | 898 |
| Return on assets (ROA) | 1.4037% | 874 |
| Pretax return on assets | 1.4696% | 1,248 |
| Return on Equity (ROE) | 18.1457% | 460 |
| Retained earnings to average equity (ytd only) | 7.9228% | 1,648 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3380% | 3,742 |
| Assets per employee ($millions) | 10.4384% | 578 |
| Cash dividends to net income (ytd only)* | 56.3380% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2482% | 2,434 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 72.0790% | 1,092 |
| Net loans and leases to deposits | 95.1356% | 469 |
| Net loans and leases to core deposits | 109.6712% | 358 |
| Total domestic deposits to total assets | 75.7645% | 4,473 |
| Equity capital to assets | 5.8528% | 4,255 |
| Core capital (leverage) ratio | 8.3508% | 4,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8259% | 2,858 |
| Memoranda: | ||
| Average total assets | $303,473,667 | 2,466 |
| Average earning assets | $297,321,000 | 2,396 |
| Average equity | $23,476,667 | 2,780 |
| Average total loans | $219,373,333 | 2,113 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9225% | 889 |
| Cost of funding earning assets | 0.1580% | 3,401 |
| Net interest margin | 3.7645% | 672 |
| Noninterest income to average assets | 0.3108% | 3,239 |
| Noninterest expense to average assets | 2.2875% | 2,548 |
| Loan and lease loss provision to assets | 0.1132% | 737 |
| Net operating income to assets | 1.6141% | 490 |
| Return on assets (ROA) | 1.6141% | 489 |
| Pretax return on assets | 1.6141% | 805 |
| Return on Equity (ROE) | 18.3954% | 306 |
| Retained earnings to average equity (ytd only) | -0.2486% | 4,048 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9779% | 3,786 |
| Assets per employee ($millions) | 8.9756% | 923 |
| Cash dividends to net income (ytd only)* | 101.3514% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2355% | 2,677 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 70.8699% | 937 |
| Net loans and leases to deposits | 78.9589% | 1,213 |
| Net loans and leases to core deposits | 84.7291% | 1,205 |
| Total domestic deposits to total assets | 89.7554% | 1,689 |
| Equity capital to assets | 7.9377% | 3,618 |
| Core capital (leverage) ratio | 8.4772% | 3,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8680% | 2,655 |
| Memoranda: | ||
| Average total assets | $293,415,000 | 2,528 |
| Average earning assets | $288,696,500 | 2,452 |
| Average equity | $25,745,500 | 2,724 |
| Average total loans | $210,965,500 | 2,166 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3510% | 781 |
| Cost of funding earning assets | 0.2164% | 3,300 |
| Net interest margin | 4.1345% | 556 |
| Noninterest income to average assets | 0.4836% | 2,660 |
| Noninterest expense to average assets | 2.3890% | 2,523 |
| Loan and lease loss provision to assets | 0.1921% | 577 |
| Net operating income to assets | 1.9574% | 370 |
| Return on assets (ROA) | 1.9574% | 391 |
| Pretax return on assets | 1.9574% | 658 |
| Return on Equity (ROE) | 20.8490% | 268 |
| Retained earnings to average equity (ytd only) | 15.1403% | 213 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6386% | 4,071 |
| Assets per employee ($millions) | 9.0823% | 894 |
| Cash dividends to net income (ytd only)* | 27.3812% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2145% | 2,813 |
| Loan loss allowance to noncurrent loans | 5,410.6383% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 3,978 |
| Noncurrent loans to loans | 0.0224% | 3,906 |
| Net loans and leases to total assets | 71.1714% | 910 |
| Net loans and leases to deposits | 80.2057% | 1,198 |
| Net loans and leases to core deposits | 84.1534% | 1,318 |
| Total domestic deposits to total assets | 88.7360% | 1,647 |
| Equity capital to assets | 9.6272% | 3,021 |
| Core capital (leverage) ratio | 8.6142% | 3,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6273% | 2,396 |
| Memoranda: | ||
| Average total assets | $282,673,600 | 2,521 |
| Average earning assets | $277,226,000 | 2,449 |
| Average equity | $26,538,400 | 2,752 |
| Average total loans | $196,195,200 | 2,255 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4047% | 803 |
| Cost of funding earning assets | 0.2337% | 3,277 |
| Net interest margin | 4.1710% | 575 |
| Noninterest income to average assets | 0.5268% | 2,514 |
| Noninterest expense to average assets | 2.4188% | 2,379 |
| Loan and lease loss provision to assets | 0.1496% | 757 |
| Net operating income to assets | 2.0450% | 429 |
| Return on assets (ROA) | 2.0450% | 456 |
| Pretax return on assets | 2.0450% | 743 |
| Return on Equity (ROE) | 21.9263% | 311 |
| Retained earnings to average equity (ytd only) | 18.0300% | 196 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4300% | 3,994 |
| Assets per employee ($millions) | 9.3531% | 804 |
| Cash dividends to net income (ytd only)* | 17.7700% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1660% | 3,135 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 69.9326% | 1,078 |
| Net loans and leases to deposits | 78.7272% | 1,411 |
| Net loans and leases to core deposits | 84.1810% | 1,414 |
| Total domestic deposits to total assets | 88.8290% | 1,384 |
| Equity capital to assets | 9.9906% | 2,910 |
| Core capital (leverage) ratio | 8.6104% | 3,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8294% | 2,037 |
| Memoranda: | ||
| Average total assets | $280,683,250 | 2,553 |
| Average earning assets | $275,000,750 | 2,482 |
| Average equity | $26,178,000 | 2,805 |
| Average total loans | $192,896,000 | 2,320 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4627% | 774 |
| Cost of funding earning assets | 0.2569% | 3,228 |
| Net interest margin | 4.2058% | 580 |
| Noninterest income to average assets | 0.5436% | 2,433 |
| Noninterest expense to average assets | 2.4324% | 2,362 |
| Loan and lease loss provision to assets | 0.1589% | 728 |
| Net operating income to assets | 2.0704% | 429 |
| Return on assets (ROA) | 2.0704% | 451 |
| Pretax return on assets | 2.0704% | 721 |
| Return on Equity (ROE) | 22.7390% | 276 |
| Retained earnings to average equity (ytd only) | 19.2178% | 178 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1779% | 4,027 |
| Assets per employee ($millions) | 10.2369% | 572 |
| Cash dividends to net income (ytd only)* | 15.4852% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1047% | 3,391 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 69.4295% | 1,271 |
| Net loans and leases to deposits | 79.8504% | 1,439 |
| Net loans and leases to core deposits | 87.6915% | 1,293 |
| Total domestic deposits to total assets | 86.9495% | 2,350 |
| Equity capital to assets | 9.3300% | 3,485 |
| Core capital (leverage) ratio | 8.0741% | 4,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9379% | 1,992 |
| Memoranda: | ||
| Average total assets | $280,713,333 | 2,550 |
| Average earning assets | $274,858,667 | 2,476 |
| Average equity | $25,559,667 | 2,836 |
| Average total loans | $191,014,333 | 2,339 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7657% | 515 |
| Cost of funding earning assets | 0.2812% | 3,179 |
| Net interest margin | 4.4845% | 366 |
| Noninterest income to average assets | 0.6106% | 2,163 |
| Noninterest expense to average assets | 2.4309% | 2,396 |
| Loan and lease loss provision to assets | 0.0490% | 2,107 |
| Net operating income to assets | 2.5173% | 260 |
| Return on assets (ROA) | 2.5173% | 283 |
| Pretax return on assets | 2.5173% | 425 |
| Return on Equity (ROE) | 28.0038% | 185 |
| Retained earnings to average equity (ytd only) | 25.6008% | 124 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6455% | 4,292 |
| Assets per employee ($millions) | 10.5925% | 501 |
| Cash dividends to net income (ytd only)* | 8.5812% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0382% | 3,697 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 65.3686% | 1,889 |
| Net loans and leases to deposits | 71.5832% | 2,351 |
| Net loans and leases to core deposits | 78.6279% | 2,127 |
| Total domestic deposits to total assets | 91.3183% | 290 |
| Equity capital to assets | 8.4349% | 4,169 |
| Core capital (leverage) ratio | 8.2457% | 4,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $277,753,500 | 2,558 |
| Average earning assets | $271,693,000 | 2,482 |
| Average equity | $24,968,000 | 2,876 |
| Average total loans | $185,906,000 | 2,391 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5447% | 1,200 |
| Cost of funding earning assets | 0.5911% | 2,380 |
| Net interest margin | 3.9536% | 1,080 |
| Noninterest income to average assets | 0.3847% | 3,179 |
| Noninterest expense to average assets | 2.4309% | 3,051 |
| Loan and lease loss provision to assets | 0.2501% | 1,543 |
| Net operating income to assets | 1.5564% | 701 |
| Return on assets (ROA) | 1.6100% | 679 |
| Pretax return on assets | 1.6100% | 1,054 |
| Return on Equity (ROE) | 16.8931% | 423 |
| Retained earnings to average equity (ytd only) | 10.2639% | 541 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3676% | 3,806 |
| Assets per employee ($millions) | 9.5896% | 604 |
| Cash dividends to net income (ytd only)* | 39.2422% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1370% | 3,273 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 67.1649% | 1,933 |
| Net loans and leases to deposits | 76.8179% | 2,194 |
| Net loans and leases to core deposits | 83.8842% | 2,043 |
| Total domestic deposits to total assets | 87.4339% | 1,731 |
| Equity capital to assets | 9.6243% | 3,481 |
| Core capital (leverage) ratio | 8.1028% | 4,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $229,505,000 | 2,722 |
| Average earning assets | $223,645,400 | 2,645 |
| Average equity | $21,872,800 | 3,021 |
| Average total loans | $152,186,200 | 2,646 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5302% | 1,504 |
| Cost of funding earning assets | 0.6715% | 2,193 |
| Net interest margin | 3.8587% | 1,453 |
| Noninterest income to average assets | 0.3979% | 3,088 |
| Noninterest expense to average assets | 2.5051% | 2,823 |
| Loan and lease loss provision to assets | 0.3444% | 1,109 |
| Net operating income to assets | 1.3078% | 1,342 |
| Return on assets (ROA) | 1.3816% | 1,239 |
| Pretax return on assets | 1.3816% | 1,789 |
| Return on Equity (ROE) | 14.5385% | 785 |
| Retained earnings to average equity (ytd only) | 7.7492% | 1,393 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2570% | 3,352 |
| Assets per employee ($millions) | 8.6235% | 803 |
| Cash dividends to net income (ytd only)* | 46.6985% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1731% | 2,821 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 65.1266% | 2,629 |
| Net loans and leases to deposits | 74.5163% | 2,913 |
| Net loans and leases to core deposits | 82.9939% | 2,586 |
| Total domestic deposits to total assets | 87.3991% | 1,490 |
| Equity capital to assets | 9.1580% | 3,992 |
| Core capital (leverage) ratio | 7.8859% | 4,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $222,151,750 | 2,762 |
| Average earning assets | $216,438,000 | 2,686 |
| Average equity | $21,111,250 | 3,081 |
| Average total loans | $146,257,250 | 2,699 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8505% | 1,054 |
| Cost of funding earning assets | 0.7766% | 1,957 |
| Net interest margin | 4.0739% | 1,173 |
| Noninterest income to average assets | 0.3591% | 3,331 |
| Noninterest expense to average assets | 2.6156% | 2,613 |
| Loan and lease loss provision to assets | 0.5468% | 616 |
| Net operating income to assets | 1.1640% | 1,747 |
| Return on assets (ROA) | 1.2811% | 1,525 |
| Pretax return on assets | 1.2811% | 2,097 |
| Return on Equity (ROE) | 13.2833% | 1,040 |
| Retained earnings to average equity (ytd only) | 5.1355% | 2,406 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4579% | 3,350 |
| Assets per employee ($millions) | 8.1782% | 910 |
| Cash dividends to net income (ytd only)* | 61.3383% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1692% | 2,672 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 68.9072% | 2,200 |
| Net loans and leases to deposits | 79.8301% | 2,446 |
| Net loans and leases to core deposits | 99.1915% | 1,315 |
| Total domestic deposits to total assets | 86.3173% | 1,886 |
| Equity capital to assets | 9.1862% | 3,935 |
| Core capital (leverage) ratio | 8.2467% | 4,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $209,967,667 | 2,823 |
| Average earning assets | $204,473,000 | 2,743 |
| Average equity | $20,251,000 | 3,152 |
| Average total loans | $138,181,333 | 2,765 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4926% | 2,330 |
| Cost of funding earning assets | 1.0091% | 1,380 |
| Net interest margin | 3.4835% | 3,038 |
| Noninterest income to average assets | 0.4223% | 2,955 |
| Noninterest expense to average assets | 2.6940% | 2,721 |
| Loan and lease loss provision to assets | 0.1539% | 1,858 |
| Net operating income to assets | 0.9569% | 2,327 |
| Return on assets (ROA) | 1.2128% | 1,586 |
| Pretax return on assets | 1.2128% | 2,143 |
| Return on Equity (ROE) | 12.2046% | 1,054 |
| Retained earnings to average equity (ytd only) | 6.4477% | 1,728 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8037% | 2,247 |
| Assets per employee ($millions) | 6.6430% | 1,267 |
| Cash dividends to net income (ytd only)* | 47.1698% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2005% | 2,671 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 64.0775% | 3,057 |
| Net loans and leases to deposits | 74.2003% | 3,249 |
| Net loans and leases to core deposits | 83.1760% | 2,922 |
| Total domestic deposits to total assets | 86.3575% | 1,848 |
| Equity capital to assets | 9.4120% | 4,305 |
| Core capital (leverage) ratio | 9.9383% | 3,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $192,278,500 | 2,929 |
| Average earning assets | $186,708,000 | 2,857 |
| Average equity | $19,107,500 | 3,265 |
| Average total loans | $121,741,500 | 2,937 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6456% | 2,483 |
| Cost of funding earning assets | 1.0481% | 1,520 |
| Net interest margin | 3.5976% | 3,140 |
| Noninterest income to average assets | 0.4544% | 2,984 |
| Noninterest expense to average assets | 2.8984% | 2,302 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0529% | 2,645 |
| Return on assets (ROA) | 1.0655% | 2,694 |
| Pretax return on assets | 1.0655% | 3,282 |
| Return on Equity (ROE) | 10.5326% | 2,073 |
| Retained earnings to average equity (ytd only) | 9.4450% | 602 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3538% | 1,678 |
| Assets per employee ($millions) | 6.3970% | 1,360 |
| Cash dividends to net income (ytd only)* | 10.3252% | 3,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2030% | 2,423 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 61.0253% | 3,498 |
| Net loans and leases to deposits | 68.4871% | 3,780 |
| Net loans and leases to core deposits | 79.8180% | 3,308 |
| Total domestic deposits to total assets | 89.1047% | 629 |
| Equity capital to assets | 10.4649% | 3,485 |
| Core capital (leverage) ratio | 9.8824% | 3,638 |
| Tier 1 risk-based capital ratio | 15.8378% | 2,463 |
| Total risk-based capital ratio | 17.0563% | 2,411 |
| Memoranda: | ||
| Average total assets | $181,787,000 | 3,004 |
| Average earning assets | $176,703,000 | 2,920 |
| Average equity | $18,390,600 | 3,298 |
| Average total loans | $123,598,400 | 2,900 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6961% | 2,427 |
| Cost of funding earning assets | 1.0518% | 1,531 |
| Net interest margin | 3.6443% | 3,115 |
| Noninterest income to average assets | 0.3712% | 3,494 |
| Noninterest expense to average assets | 2.9187% | 2,201 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9959% | 2,995 |
| Return on assets (ROA) | 1.0130% | 3,015 |
| Pretax return on assets | 1.0130% | 3,547 |
| Return on Equity (ROE) | 10.1069% | 2,384 |
| Retained earnings to average equity (ytd only) | 8.6227% | 1,162 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5582% | 1,485 |
| Assets per employee ($millions) | 5.9625% | 1,631 |
| Cash dividends to net income (ytd only)* | 14.6843% | 3,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1589% | 2,727 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 67.9955% | 2,792 |
| Net loans and leases to deposits | 78.3699% | 3,060 |
| Net loans and leases to core deposits | 94.8632% | 2,094 |
| Total domestic deposits to total assets | 86.7623% | 1,644 |
| Equity capital to assets | 10.9339% | 3,156 |
| Core capital (leverage) ratio | 9.8495% | 3,785 |
| Tier 1 risk-based capital ratio | 15.2321% | 2,748 |
| Total risk-based capital ratio | 16.4415% | 2,692 |
| Memoranda: | ||
| Average total assets | $179,256,500 | 3,053 |
| Average earning assets | $174,295,750 | 2,966 |
| Average equity | $17,967,500 | 3,366 |
| Average total loans | $124,863,250 | 2,912 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6610% | 2,480 |
| Cost of funding earning assets | 1.0265% | 1,576 |
| Net interest margin | 3.6345% | 3,147 |
| Noninterest income to average assets | 0.3222% | 3,779 |
| Noninterest expense to average assets | 2.9111% | 2,256 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9443% | 3,114 |
| Return on assets (ROA) | 0.9700% | 3,099 |
| Pretax return on assets | 0.9700% | 3,648 |
| Return on Equity (ROE) | 9.9786% | 2,399 |
| Retained earnings to average equity (ytd only) | 7.6847% | 1,525 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5061% | 1,457 |
| Assets per employee ($millions) | 6.0136% | 1,535 |
| Cash dividends to net income (ytd only)* | 22.9885% | 2,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1199% | 2,962 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 69.7922% | 2,554 |
| Net loans and leases to deposits | 78.1865% | 3,136 |
| Net loans and leases to core deposits | 93.4030% | 2,289 |
| Total domestic deposits to total assets | 89.2637% | 559 |
| Equity capital to assets | 10.3605% | 3,642 |
| Core capital (leverage) ratio | 9.3705% | 4,285 |
| Tier 1 risk-based capital ratio | 14.9853% | 2,855 |
| Total risk-based capital ratio | 16.2087% | 2,783 |
| Memoranda: | ||
| Average total assets | $179,383,670 | 3,060 |
| Average earning assets | $174,383,000 | 2,980 |
| Average equity | $17,437,330 | 3,422 |
| Average total loans | $125,466,670 | 2,920 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6095% | 2,498 |
| Cost of funding earning assets | 0.9730% | 1,687 |
| Net interest margin | 3.6365% | 3,118 |
| Noninterest income to average assets | 0.2818% | 3,994 |
| Noninterest expense to average assets | 2.8736% | 2,348 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9437% | 3,075 |
| Return on assets (ROA) | 0.9862% | 2,942 |
| Pretax return on assets | 0.9862% | 3,491 |
| Return on Equity (ROE) | 10.4934% | 2,157 |
| Retained earnings to average equity (ytd only) | 5.7345% | 2,576 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2783% | 1,575 |
| Assets per employee ($millions) | 7.0696% | 973 |
| Cash dividends to net income (ytd only)* | 45.3515% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1561% | 2,810 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 66.3734% | 2,997 |
| Net loans and leases to deposits | 73.4632% | 3,490 |
| Net loans and leases to core deposits | 81.1938% | 3,254 |
| Total domestic deposits to total assets | 90.3493% | 336 |
| Equity capital to assets | 9.3695% | 4,365 |
| Core capital (leverage) ratio | 9.7392% | 3,878 |
| Tier 1 risk-based capital ratio | 14.9804% | 2,897 |
| Total risk-based capital ratio | 16.2306% | 2,822 |
| Memoranda: | ||
| Average total assets | $178,872,000 | 3,099 |
| Average earning assets | $173,903,000 | 3,014 |
| Average equity | $16,810,500 | 3,494 |
| Average total loans | $124,532,000 | 2,971 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5486% | 2,302 |
| Cost of funding earning assets | 0.7567% | 1,750 |
| Net interest margin | 3.7919% | 2,692 |
| Noninterest income to average assets | 0.2488% | 4,432 |
| Noninterest expense to average assets | 2.8718% | 2,452 |
| Loan and lease loss provision to assets | 0.0618% | 2,921 |
| Net operating income to assets | 0.9912% | 3,048 |
| Return on assets (ROA) | 1.0024% | 2,987 |
| Pretax return on assets | 1.0024% | 3,593 |
| Return on Equity (ROE) | 10.6078% | 2,242 |
| Retained earnings to average equity (ytd only) | 0.3362% | 4,900 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1715% | 1,738 |
| Assets per employee ($millions) | 6.6898% | 1,122 |
| Cash dividends to net income (ytd only)* | 96.8310% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1358% | 2,900 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 71.4116% | 2,363 |
| Net loans and leases to deposits | 79.9677% | 2,959 |
| Net loans and leases to core deposits | 96.3802% | 2,029 |
| Total domestic deposits to total assets | 89.3005% | 736 |
| Equity capital to assets | 9.4283% | 4,187 |
| Core capital (leverage) ratio | 9.8527% | 3,742 |
| Tier 1 risk-based capital ratio | 14.5096% | 3,056 |
| Total risk-based capital ratio | 15.7430% | 2,980 |
| Memoranda: | ||
| Average total assets | $170,000,200 | 3,169 |
| Average earning assets | $164,798,400 | 3,086 |
| Average equity | $16,063,600 | 3,506 |
| Average total loans | $126,980,000 | 2,913 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5487% | 2,128 |
| Cost of funding earning assets | 0.7068% | 1,810 |
| Net interest margin | 3.8419% | 2,491 |
| Noninterest income to average assets | 0.2485% | 4,491 |
| Noninterest expense to average assets | 2.8454% | 2,473 |
| Loan and lease loss provision to assets | 0.0828% | 2,298 |
| Net operating income to assets | 1.0421% | 2,905 |
| Return on assets (ROA) | 1.0571% | 2,852 |
| Pretax return on assets | 1.0571% | 3,548 |
| Return on Equity (ROE) | 11.1805% | 2,103 |
| Retained earnings to average equity (ytd only) | -2.5865% | 5,230 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6670% | 1,943 |
| Assets per employee ($millions) | 6.0693% | 1,442 |
| Cash dividends to net income (ytd only)* | 123.1347% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1426% | 2,946 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 72.6511% | 2,225 |
| Net loans and leases to deposits | 86.5643% | 2,311 |
| Net loans and leases to core deposits | 102.0954% | 1,606 |
| Total domestic deposits to total assets | 83.9274% | 2,972 |
| Equity capital to assets | 9.1649% | 4,408 |
| Core capital (leverage) ratio | 9.6932% | 3,948 |
| Tier 1 risk-based capital ratio | 14.3069% | 3,207 |
| Total risk-based capital ratio | 15.5501% | 3,130 |
| Memoranda: | ||
| Average total assets | $169,016,750 | 3,205 |
| Average earning assets | $163,735,750 | 3,116 |
| Average equity | $15,979,750 | 3,543 |
| Average total loans | $127,316,000 | 2,937 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5088% | 2,068 |
| Cost of funding earning assets | 0.6564% | 1,891 |
| Net interest margin | 3.8524% | 2,375 |
| Noninterest income to average assets | 0.2383% | 4,587 |
| Noninterest expense to average assets | 2.8380% | 2,546 |
| Loan and lease loss provision to assets | 0.1245% | 1,591 |
| Net operating income to assets | 1.0053% | 2,992 |
| Return on assets (ROA) | 1.0053% | 2,995 |
| Pretax return on assets | 1.0053% | 3,644 |
| Return on Equity (ROE) | 10.5246% | 2,322 |
| Retained earnings to average equity (ytd only) | 5.8704% | 2,626 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5267% | 2,082 |
| Assets per employee ($millions) | 6.9707% | 932 |
| Cash dividends to net income (ytd only)* | 44.2217% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0918% | 3,310 |
| Loan loss allowance to noncurrent loans | 839.4118% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.0976% | 4,516 |
| Noncurrent loans to loans | 0.1301% | 4,324 |
| Net loans and leases to total assets | 74.1787% | 1,920 |
| Net loans and leases to deposits | 91.4751% | 1,647 |
| Net loans and leases to core deposits | 104.3797% | 1,366 |
| Total domestic deposits to total assets | 81.0917% | 3,968 |
| Equity capital to assets | 9.5864% | 4,018 |
| Core capital (leverage) ratio | 10.1275% | 3,449 |
| Tier 1 risk-based capital ratio | 14.4495% | 3,138 |
| Total risk-based capital ratio | 15.6480% | 3,079 |
| Memoranda: | ||
| Average total assets | $168,708,670 | 3,230 |
| Average earning assets | $163,326,000 | 3,140 |
| Average equity | $16,114,670 | 3,546 |
| Average total loans | $128,124,330 | 2,932 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4722% | 1,951 |
| Cost of funding earning assets | 0.5575% | 2,338 |
| Net interest margin | 3.9147% | 1,985 |
| Noninterest income to average assets | 0.2170% | 4,705 |
| Noninterest expense to average assets | 2.7650% | 2,824 |
| Loan and lease loss provision to assets | 0.2531% | 583 |
| Net operating income to assets | 0.9908% | 2,887 |
| Return on assets (ROA) | 0.9908% | 2,915 |
| Pretax return on assets | 0.9908% | 3,571 |
| Return on Equity (ROE) | 10.3926% | 2,232 |
| Retained earnings to average equity (ytd only) | 0.9103% | 4,649 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9717% | 2,671 |
| Assets per employee ($millions) | 6.7922% | 1,050 |
| Cash dividends to net income (ytd only)* | 91.2409% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1212% | 3,261 |
| Loan loss allowance to noncurrent loans | 810.7955% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.1036% | 4,562 |
| Noncurrent loans to loans | 0.1383% | 4,348 |
| Net loans and leases to total assets | 74.1162% | 1,838 |
| Net loans and leases to deposits | 90.1042% | 1,680 |
| Net loans and leases to core deposits | 111.4088% | 922 |
| Total domestic deposits to total assets | 82.2561% | 3,883 |
| Equity capital to assets | 9.5987% | 3,997 |
| Core capital (leverage) ratio | 10.2563% | 3,234 |
| Tier 1 risk-based capital ratio | 14.1224% | 3,317 |
| Total risk-based capital ratio | 15.3243% | 3,257 |
| Memoranda: | ||
| Average total assets | $165,929,500 | 3,295 |
| Average earning assets | $160,727,000 | 3,212 |
| Average equity | $15,819,000 | 3,611 |
| Average total loans | $126,838,500 | 2,979 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4510% | 1,878 |
| Cost of funding earning assets | 0.5430% | 2,006 |
| Net interest margin | 3.9081% | 2,067 |
| Noninterest income to average assets | 0.2687% | 4,512 |
| Noninterest expense to average assets | 2.7837% | 2,831 |
| Loan and lease loss provision to assets | 0.1174% | 1,938 |
| Net operating income to assets | 1.1466% | 1,687 |
| Return on assets (ROA) | 1.1988% | 1,552 |
| Pretax return on assets | 1.1988% | 2,776 |
| Return on Equity (ROE) | 12.8196% | 992 |
| Retained earnings to average equity (ytd only) | 7.0654% | 1,050 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7722% | 2,750 |
| Assets per employee ($millions) | 8.1027% | 618 |
| Cash dividends to net income (ytd only)* | 44.8857% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0459% | 3,652 |
| Loan loss allowance to noncurrent loans | 726.3736% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.1123% | 4,572 |
| Noncurrent loans to loans | 0.1440% | 4,348 |
| Net loans and leases to total assets | 77.1811% | 1,397 |
| Net loans and leases to deposits | 87.4339% | 2,087 |
| Net loans and leases to core deposits | 106.0857% | 1,259 |
| Total domestic deposits to total assets | 88.2737% | 1,359 |
| Equity capital to assets | 9.4654% | 4,256 |
| Core capital (leverage) ratio | 9.3578% | 4,218 |
| Tier 1 risk-based capital ratio | 13.0694% | 3,867 |
| Total risk-based capital ratio | 14.2038% | 3,834 |
| Memoranda: | ||
| Average total assets | $153,318,600 | 3,427 |
| Average earning assets | $148,257,400 | 3,345 |
| Average equity | $14,337,400 | 3,803 |
| Average total loans | $116,736,600 | 3,098 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4347% | 1,846 |
| Cost of funding earning assets | 0.5267% | 2,061 |
| Net interest margin | 3.9080% | 2,016 |
| Noninterest income to average assets | 0.2461% | 4,729 |
| Noninterest expense to average assets | 2.6633% | 3,193 |
| Loan and lease loss provision to assets | 0.1059% | 1,995 |
| Net operating income to assets | 1.2536% | 1,497 |
| Return on assets (ROA) | 1.3242% | 1,292 |
| Pretax return on assets | 1.3242% | 2,384 |
| Return on Equity (ROE) | 14.2066% | 792 |
| Retained earnings to average equity (ytd only) | 6.3982% | 2,011 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2061% | 3,176 |
| Assets per employee ($millions) | 7.2377% | 855 |
| Cash dividends to net income (ytd only)* | 54.9633% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0428% | 3,827 |
| Loan loss allowance to noncurrent loans | 671.2766% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.1181% | 4,655 |
| Noncurrent loans to loans | 0.1553% | 4,436 |
| Net loans and leases to total assets | 75.2124% | 1,726 |
| Net loans and leases to deposits | 92.6318% | 1,474 |
| Net loans and leases to core deposits | 100.7631% | 1,643 |
| Total domestic deposits to total assets | 81.1950% | 3,995 |
| Equity capital to assets | 9.0593% | 4,864 |
| Core capital (leverage) ratio | 8.7490% | 5,017 |
| Tier 1 risk-based capital ratio | 12.4091% | 4,370 |
| Total risk-based capital ratio | 13.5201% | 4,352 |
| Memoranda: | ||
| Average total assets | $151,134,750 | 3,484 |
| Average earning assets | $146,055,500 | 3,397 |
| Average equity | $14,087,000 | 3,870 |
| Average total loans | $114,321,500 | 3,158 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3745% | 1,899 |
| Cost of funding earning assets | 0.4830% | 2,305 |
| Net interest margin | 3.8915% | 1,958 |
| Noninterest income to average assets | 0.2749% | 4,582 |
| Noninterest expense to average assets | 2.6449% | 3,288 |
| Loan and lease loss provision to assets | 0.0808% | 2,368 |
| Net operating income to assets | 1.3056% | 1,281 |
| Return on assets (ROA) | 1.4134% | 1,055 |
| Pretax return on assets | 1.4134% | 1,959 |
| Return on Equity (ROE) | 15.0132% | 658 |
| Retained earnings to average equity (ytd only) | 7.8573% | 1,223 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6083% | 3,409 |
| Assets per employee ($millions) | 8.0589% | 604 |
| Cash dividends to net income (ytd only)* | 47.6644% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0226% | 4,012 |
| Loan loss allowance to noncurrent loans | 520.3463% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.1433% | 4,605 |
| Noncurrent loans to loans | 0.1965% | 4,332 |
| Net loans and leases to total assets | 72.1846% | 2,173 |
| Net loans and leases to deposits | 90.5007% | 1,665 |
| Net loans and leases to core deposits | 97.1631% | 1,878 |
| Total domestic deposits to total assets | 79.7614% | 4,468 |
| Equity capital to assets | 8.8983% | 4,989 |
| Core capital (leverage) ratio | 8.8414% | 4,906 |
| Tier 1 risk-based capital ratio | 12.8960% | 4,062 |
| Total risk-based capital ratio | 14.0058% | 4,056 |
| Memoranda: | ||
| Average total assets | $148,436,670 | 3,542 |
| Average earning assets | $143,286,000 | 3,448 |
| Average equity | $13,974,330 | 3,889 |
| Average total loans | $112,088,000 | 3,191 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4297% | 1,556 |
| Cost of funding earning assets | 0.4106% | 2,895 |
| Net interest margin | 4.0190% | 1,421 |
| Noninterest income to average assets | 0.1943% | 5,107 |
| Noninterest expense to average assets | 2.6129% | 3,450 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4669% | 866 |
| Return on assets (ROA) | 1.6527% | 620 |
| Pretax return on assets | 1.6527% | 1,115 |
| Return on Equity (ROE) | 17.0262% | 407 |
| Retained earnings to average equity (ytd only) | 17.0262% | 166 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0442% | 3,828 |
| Assets per employee ($millions) | 6.7066% | 1,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0050% | 4,245 |
| Loan loss allowance to noncurrent loans | 494.3723% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.1566% | 4,631 |
| Noncurrent loans to loans | 0.2033% | 4,393 |
| Net loans and leases to total assets | 76.2440% | 1,374 |
| Net loans and leases to deposits | 90.7540% | 1,456 |
| Net loans and leases to core deposits | 98.1632% | 1,644 |
| Total domestic deposits to total assets | 84.0118% | 3,474 |
| Equity capital to assets | 9.5408% | 4,239 |
| Core capital (leverage) ratio | 9.6722% | 3,898 |
| Tier 1 risk-based capital ratio | 13.3722% | 3,850 |
| Total risk-based capital ratio | 14.4617% | 3,860 |
| Memoranda: | ||
| Average total assets | $142,066,500 | 3,661 |
| Average earning assets | $137,346,000 | 3,568 |
| Average equity | $13,790,500 | 3,949 |
| Average total loans | $109,358,500 | 3,258 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2793% | 2,212 |
| Cost of funding earning assets | 0.3523% | 3,493 |
| Net interest margin | 3.9271% | 1,871 |
| Noninterest income to average assets | 0.3512% | 4,219 |
| Noninterest expense to average assets | 2.6899% | 3,373 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.4752% | 878 |
| Return on assets (ROA) | 1.4941% | 857 |
| Pretax return on assets | 1.4941% | 1,596 |
| Return on Equity (ROE) | 14.1505% | 751 |
| Retained earnings to average equity (ytd only) | 4.2939% | 2,846 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5830% | 3,837 |
| Assets per employee ($millions) | 6.8294% | 994 |
| Cash dividends to net income (ytd only)* | 69.6555% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0858% | 3,793 |
| Loan loss allowance to noncurrent loans | 483.4746% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.1728% | 4,631 |
| Noncurrent loans to loans | 0.2246% | 4,346 |
| Net loans and leases to total assets | 76.0973% | 1,501 |
| Net loans and leases to deposits | 89.1974% | 1,780 |
| Net loans and leases to core deposits | 93.6354% | 2,140 |
| Total domestic deposits to total assets | 85.3134% | 2,917 |
| Equity capital to assets | 9.8867% | 3,832 |
| Core capital (leverage) ratio | 9.9922% | 3,489 |
| Tier 1 risk-based capital ratio | 13.4452% | 3,807 |
| Total risk-based capital ratio | 14.5875% | 3,783 |
| Memoranda: | ||
| Average total assets | $132,121,800 | 3,796 |
| Average earning assets | $128,314,000 | 3,683 |
| Average equity | $13,950,000 | 3,945 |
| Average total loans | $96,961,600 | 3,443 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2828% | 2,217 |
| Cost of funding earning assets | 0.3522% | 3,513 |
| Net interest margin | 3.9306% | 1,876 |
| Noninterest income to average assets | 0.3206% | 4,479 |
| Noninterest expense to average assets | 2.6146% | 3,609 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.5225% | 840 |
| Return on assets (ROA) | 1.5225% | 889 |
| Pretax return on assets | 1.5225% | 1,643 |
| Return on Equity (ROE) | 14.1850% | 785 |
| Retained earnings to average equity (ytd only) | 8.2587% | 1,061 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1980% | 4,038 |
| Assets per employee ($millions) | 6.6446% | 1,027 |
| Cash dividends to net income (ytd only)* | 41.7779% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1615% | 3,476 |
| Loan loss allowance to noncurrent loans | 473.4440% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.1814% | 4,717 |
| Noncurrent loans to loans | 0.2453% | 4,393 |
| Net loans and leases to total assets | 73.0631% | 2,013 |
| Net loans and leases to deposits | 85.0815% | 2,358 |
| Net loans and leases to core deposits | 88.9401% | 2,667 |
| Total domestic deposits to total assets | 85.8742% | 2,422 |
| Equity capital to assets | 10.9397% | 3,075 |
| Core capital (leverage) ratio | 10.0498% | 3,504 |
| Tier 1 risk-based capital ratio | 14.6095% | 3,228 |
| Total risk-based capital ratio | 15.8260% | 3,185 |
| Memoranda: | ||
| Average total assets | $131,005,500 | 3,834 |
| Average earning assets | $127,203,250 | 3,715 |
| Average equity | $14,061,500 | 3,969 |
| Average total loans | $94,932,000 | 3,493 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1959% | 2,522 |
| Cost of funding earning assets | 0.3474% | 3,599 |
| Net interest margin | 3.8485% | 2,145 |
| Noninterest income to average assets | 0.1580% | 5,526 |
| Noninterest expense to average assets | 2.5695% | 3,822 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3269% | 1,209 |
| Return on assets (ROA) | 1.3269% | 1,293 |
| Pretax return on assets | 1.3269% | 2,299 |
| Return on Equity (ROE) | 12.4437% | 1,173 |
| Retained earnings to average equity (ytd only) | 5.6104% | 2,357 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9449% | 3,687 |
| Assets per employee ($millions) | 7.3645% | 741 |
| Cash dividends to net income (ytd only)* | 54.9133% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1754% | 3,492 |
| Loan loss allowance to noncurrent loans | 467.6230% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.1841% | 4,754 |
| Noncurrent loans to loans | 0.2514% | 4,451 |
| Net loans and leases to total assets | 72.3682% | 2,110 |
| Net loans and leases to deposits | 82.1821% | 2,686 |
| Net loans and leases to core deposits | 85.8152% | 2,919 |
| Total domestic deposits to total assets | 88.0583% | 1,403 |
| Equity capital to assets | 10.6917% | 3,412 |
| Core capital (leverage) ratio | 10.1211% | 3,424 |
| Tier 1 risk-based capital ratio | 14.5343% | 3,300 |
| Total risk-based capital ratio | 15.7842% | 3,232 |
| Memoranda: | ||
| Average total assets | $130,376,670 | 3,872 |
| Average earning assets | $126,648,000 | 3,747 |
| Average equity | $13,902,670 | 4,005 |
| Average total loans | $93,830,670 | 3,524 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1955% | 2,490 |
| Cost of funding earning assets | 0.3438% | 3,672 |
| Net interest margin | 3.8517% | 2,097 |
| Noninterest income to average assets | 0.1423% | 5,633 |
| Noninterest expense to average assets | 2.5773% | 3,819 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3087% | 1,232 |
| Return on assets (ROA) | 1.3087% | 1,309 |
| Pretax return on assets | 1.3087% | 2,267 |
| Return on Equity (ROE) | 12.2898% | 1,220 |
| Retained earnings to average equity (ytd only) | 2.8473% | 4,088 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3217% | 3,749 |
| Assets per employee ($millions) | 7.4145% | 736 |
| Cash dividends to net income (ytd only)* | 76.8322% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2451% | 3,227 |
| Loan loss allowance to noncurrent loans | 461.9433% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.1960% | 4,780 |
| Noncurrent loans to loans | 0.2695% | 4,469 |
| Net loans and leases to total assets | 71.7952% | 2,073 |
| Net loans and leases to deposits | 84.5566% | 2,241 |
| Net loans and leases to core deposits | 88.6415% | 2,498 |
| Total domestic deposits to total assets | 84.9079% | 3,161 |
| Equity capital to assets | 10.9690% | 2,977 |
| Core capital (leverage) ratio | 10.2760% | 3,230 |
| Tier 1 risk-based capital ratio | 15.1640% | 3,079 |
| Total risk-based capital ratio | 16.4155% | 3,014 |
| Memoranda: | ||
| Average total assets | $129,284,500 | 3,924 |
| Average earning assets | $125,658,500 | 3,796 |
| Average equity | $13,767,500 | 4,035 |
| Average total loans | $92,209,500 | 3,570 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2171% | 2,503 |
| Cost of funding earning assets | 0.4173% | 2,972 |
| Net interest margin | 3.7998% | 2,378 |
| Noninterest income to average assets | 0.3997% | 4,040 |
| Noninterest expense to average assets | 2.5251% | 4,147 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.5633% | 762 |
| Return on assets (ROA) | 1.5902% | 742 |
| Pretax return on assets | 1.5902% | 1,276 |
| Return on Equity (ROE) | 14.7675% | 724 |
| Retained earnings to average equity (ytd only) | -4.8272% | 5,909 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3315% | 4,869 |
| Assets per employee ($millions) | 7.7955% | 615 |
| Cash dividends to net income (ytd only)* | 132.6877% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2298% | 3,296 |
| Loan loss allowance to noncurrent loans | 461.9433% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.1864% | 4,860 |
| Noncurrent loans to loans | 0.2662% | 4,490 |
| Net loans and leases to total assets | 69.1518% | 2,508 |
| Net loans and leases to deposits | 78.1155% | 3,040 |
| Net loans and leases to core deposits | 81.5357% | 3,198 |
| Total domestic deposits to total assets | 88.5250% | 1,368 |
| Equity capital to assets | 10.3446% | 3,570 |
| Core capital (leverage) ratio | 9.5559% | 4,095 |
| Tier 1 risk-based capital ratio | 14.9975% | 3,181 |
| Total risk-based capital ratio | 16.2481% | 3,114 |
| Memoranda: | ||
| Average total assets | $129,855,400 | 3,889 |
| Average earning assets | $126,059,400 | 3,772 |
| Average equity | $13,983,400 | 3,978 |
| Average total loans | $92,638,000 | 3,531 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2591% | 2,368 |
| Cost of funding earning assets | 0.4169% | 3,044 |
| Net interest margin | 3.8422% | 2,228 |
| Noninterest income to average assets | 0.1940% | 5,492 |
| Noninterest expense to average assets | 2.5915% | 3,913 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3314% | 1,260 |
| Return on assets (ROA) | 1.3675% | 1,240 |
| Pretax return on assets | 1.3675% | 2,146 |
| Return on Equity (ROE) | 12.5720% | 1,224 |
| Retained earnings to average equity (ytd only) | -8.6818% | 6,104 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3775% | 3,995 |
| Assets per employee ($millions) | 7.8291% | 585 |
| Cash dividends to net income (ytd only)* | 169.0567% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 3,359 |
| Loan loss allowance to noncurrent loans | 461.9433% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.1856% | 5,013 |
| Noncurrent loans to loans | 0.2708% | 4,604 |
| Net loans and leases to total assets | 67.6672% | 2,740 |
| Net loans and leases to deposits | 78.4080% | 3,059 |
| Net loans and leases to core deposits | 82.5778% | 3,187 |
| Total domestic deposits to total assets | 86.3014% | 2,387 |
| Equity capital to assets | 10.1184% | 4,031 |
| Core capital (leverage) ratio | 9.7090% | 4,024 |
| Tier 1 risk-based capital ratio | 13.8883% | 3,909 |
| Total risk-based capital ratio | 15.1389% | 3,853 |
| Memoranda: | ||
| Average total assets | $129,188,500 | 3,941 |
| Average earning assets | $125,375,250 | 3,821 |
| Average equity | $14,052,000 | 4,005 |
| Average total loans | $92,601,750 | 3,565 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3497% | 2,012 |
| Cost of funding earning assets | 0.4227% | 3,011 |
| Net interest margin | 3.9270% | 1,890 |
| Noninterest income to average assets | 0.1673% | 5,699 |
| Noninterest expense to average assets | 2.6320% | 3,809 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3418% | 1,216 |
| Return on assets (ROA) | 1.3418% | 1,260 |
| Pretax return on assets | 1.3418% | 2,201 |
| Return on Equity (ROE) | 12.0446% | 1,358 |
| Retained earnings to average equity (ytd only) | -12.3816% | 6,212 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5254% | 4,097 |
| Assets per employee ($millions) | 7.5037% | 672 |
| Cash dividends to net income (ytd only)* | 202.7972% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2111% | 3,725 |
| Loan loss allowance to noncurrent loans | 461.9433% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.1936% | 5,091 |
| Noncurrent loans to loans | 0.2622% | 4,734 |
| Net loans and leases to total assets | 72.9608% | 1,830 |
| Net loans and leases to deposits | 89.8594% | 1,611 |
| Net loans and leases to core deposits | 100.8146% | 1,419 |
| Total domestic deposits to total assets | 81.1944% | 4,552 |
| Equity capital to assets | 10.6120% | 3,309 |
| Core capital (leverage) ratio | 9.5999% | 4,138 |
| Tier 1 risk-based capital ratio | 14.2754% | 3,774 |
| Total risk-based capital ratio | 15.5260% | 3,702 |
| Memoranda: | ||
| Average total assets | $127,886,670 | 3,996 |
| Average earning assets | $123,962,330 | 3,883 |
| Average equity | $14,247,000 | 4,007 |
| Average total loans | $93,068,330 | 3,578 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2945% | 2,115 |
| Cost of funding earning assets | 0.4127% | 3,160 |
| Net interest margin | 3.8819% | 1,959 |
| Noninterest income to average assets | 0.1624% | 5,763 |
| Noninterest expense to average assets | 2.5928% | 3,966 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3307% | 1,181 |
| Return on assets (ROA) | 1.3307% | 1,260 |
| Pretax return on assets | 1.3307% | 2,152 |
| Return on Equity (ROE) | 11.6696% | 1,437 |
| Retained earnings to average equity (ytd only) | -3.1229% | 5,802 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3662% | 4,258 |
| Assets per employee ($millions) | 8.1332% | 515 |
| Cash dividends to net income (ytd only)* | 126.7606% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2037% | 3,959 |
| Loan loss allowance to noncurrent loans | 461.9433% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.1898% | 5,192 |
| Noncurrent loans to loans | 0.2606% | 4,851 |
| Net loans and leases to total assets | 71.9659% | 1,804 |
| Net loans and leases to deposits | 89.8287% | 1,412 |
| Net loans and leases to core deposits | 97.3250% | 1,532 |
| Total domestic deposits to total assets | 80.1147% | 5,027 |
| Equity capital to assets | 11.2087% | 2,745 |
| Core capital (leverage) ratio | 10.2799% | 3,241 |
| Tier 1 risk-based capital ratio | 13.8801% | 4,099 |
| Total risk-based capital ratio | 15.0651% | 4,062 |
| Memoranda: | ||
| Average total assets | $128,048,500 | 4,027 |
| Average earning assets | $124,064,500 | 3,904 |
| Average equity | $14,602,000 | 3,975 |
| Average total loans | $92,496,500 | 3,602 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2703% | 2,704 |
| Cost of funding earning assets | 0.5259% | 2,427 |
| Net interest margin | 3.7444% | 2,830 |
| Noninterest income to average assets | 0.2582% | 5,281 |
| Noninterest expense to average assets | 2.7964% | 3,493 |
| Loan and lease loss provision to assets | -0.9654% | 6,487 |
| Net operating income to assets | 2.0531% | 298 |
| Return on assets (ROA) | 2.0981% | 284 |
| Pretax return on assets | 2.0981% | 415 |
| Return on Equity (ROE) | 20.3435% | 232 |
| Retained earnings to average equity (ytd only) | 20.3435% | 64 |
| Net charge-offs to loans | -0.5920% | 6,413 |
| Credit loss provision to net charge-offs | 241.4487% | 1,054 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0232% | 3,370 |
| Assets per employee ($millions) | 7.8729% | 556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2649% | 3,625 |
| Loan loss allowance to noncurrent loans | 461.9433% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.1961% | 5,243 |
| Noncurrent loans to loans | 0.2738% | 4,873 |
| Net loans and leases to total assets | 70.7024% | 2,125 |
| Net loans and leases to deposits | 88.3121% | 1,701 |
| Net loans and leases to core deposits | 95.2249% | 1,787 |
| Total domestic deposits to total assets | 80.0597% | 4,999 |
| Equity capital to assets | 11.6047% | 2,338 |
| Core capital (leverage) ratio | 10.8620% | 2,542 |
| Tier 1 risk-based capital ratio | 15.1612% | 3,408 |
| Total risk-based capital ratio | 16.4119% | 3,354 |
| Memoranda: | ||
| Average total assets | $124,301,600 | 4,096 |
| Average earning assets | $120,365,800 | 3,955 |
| Average equity | $12,819,800 | 4,225 |
| Average total loans | $83,958,000 | 3,767 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2467% | 2,821 |
| Cost of funding earning assets | 0.5496% | 2,296 |
| Net interest margin | 3.6970% | 3,033 |
| Noninterest income to average assets | 0.2658% | 5,303 |
| Noninterest expense to average assets | 2.7530% | 3,629 |
| Loan and lease loss provision to assets | -0.5381% | 6,536 |
| Net operating income to assets | 1.6273% | 704 |
| Return on assets (ROA) | 1.6714% | 676 |
| Pretax return on assets | 1.6714% | 1,135 |
| Return on Equity (ROE) | 16.7386% | 587 |
| Retained earnings to average equity (ytd only) | 16.7386% | 148 |
| Net charge-offs to loans | -0.8042% | 6,507 |
| Credit loss provision to net charge-offs | 100.6036% | 2,193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5882% | 3,406 |
| Assets per employee ($millions) | 7.2682% | 708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1403% | 1,035 |
| Loan loss allowance to noncurrent loans | 745.3441% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.1999% | 5,423 |
| Noncurrent loans to loans | 0.2872% | 5,051 |
| Net loans and leases to total assets | 68.1240% | 2,517 |
| Net loans and leases to deposits | 82.6865% | 2,339 |
| Net loans and leases to core deposits | 86.7818% | 2,575 |
| Total domestic deposits to total assets | 82.3883% | 4,344 |
| Equity capital to assets | 10.8069% | 3,171 |
| Core capital (leverage) ratio | 9.8412% | 3,883 |
| Tier 1 risk-based capital ratio | 12.4366% | 5,203 |
| Total risk-based capital ratio | 13.6948% | 5,134 |
| Memoranda: | ||
| Average total assets | $123,885,500 | 4,138 |
| Average earning assets | $119,840,500 | 3,995 |
| Average equity | $12,370,250 | 4,315 |
| Average total loans | $82,397,000 | 3,836 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1718% | 3,065 |
| Cost of funding earning assets | 0.5824% | 2,054 |
| Net interest margin | 3.5895% | 3,403 |
| Noninterest income to average assets | 0.3129% | 4,914 |
| Noninterest expense to average assets | 2.6969% | 3,879 |
| Loan and lease loss provision to assets | -0.8065% | 6,622 |
| Net operating income to assets | 1.8920% | 417 |
| Return on assets (ROA) | 1.9582% | 383 |
| Pretax return on assets | 1.9582% | 607 |
| Return on Equity (ROE) | 20.1616% | 284 |
| Retained earnings to average equity (ytd only) | 20.1616% | 83 |
| Net charge-offs to loans | -1.2243% | 6,587 |
| Credit loss provision to net charge-offs | 100.6036% | 1,976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1919% | 3,627 |
| Assets per employee ($millions) | 7.2912% | 698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1620% | 1,075 |
| Loan loss allowance to noncurrent loans | 745.3441% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.1993% | 5,521 |
| Noncurrent loans to loans | 0.2901% | 5,149 |
| Net loans and leases to total assets | 67.2145% | 2,547 |
| Net loans and leases to deposits | 79.1362% | 2,642 |
| Net loans and leases to core deposits | 82.9125% | 2,866 |
| Total domestic deposits to total assets | 84.9352% | 3,540 |
| Equity capital to assets | 10.5090% | 3,432 |
| Core capital (leverage) ratio | 9.6537% | 4,110 |
| Tier 1 risk-based capital ratio | 11.8373% | 5,632 |
| Total risk-based capital ratio | 13.0948% | 5,554 |
| Memoranda: | ||
| Average total assets | $123,994,000 | 4,158 |
| Average earning assets | $119,851,000 | 4,011 |
| Average equity | $12,042,670 | 4,388 |
| Average total loans | $81,191,000 | 3,873 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1073% | 3,248 |
| Cost of funding earning assets | 0.6039% | 1,941 |
| Net interest margin | 3.5034% | 3,674 |
| Noninterest income to average assets | 0.1290% | 6,206 |
| Noninterest expense to average assets | 2.6448% | 4,131 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8709% | 2,787 |
| Return on assets (ROA) | 0.8709% | 2,856 |
| Pretax return on assets | 0.8709% | 3,824 |
| Return on Equity (ROE) | 9.3498% | 2,312 |
| Retained earnings to average equity (ytd only) | 9.3498% | 1,149 |
| Net charge-offs to loans | -1.0756% | 6,634 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0367% | 3,136 |
| Assets per employee ($millions) | 7.4578% | 646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5740% | 741 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 61.4409% | 3,321 |
| Net loans and leases to deposits | 71.2120% | 3,442 |
| Net loans and leases to core deposits | 74.7283% | 3,567 |
| Total domestic deposits to total assets | 86.2788% | 3,221 |
| Equity capital to assets | 9.3113% | 4,746 |
| Core capital (leverage) ratio | 8.8317% | 5,228 |
| Tier 1 risk-based capital ratio | 13.6802% | 4,553 |
| Total risk-based capital ratio | 14.9472% | 4,495 |
| Memoranda: | ||
| Average total assets | $124,015,500 | 4,193 |
| Average earning assets | $119,883,000 | 4,043 |
| Average equity | $11,551,000 | 4,498 |
| Average total loans | $79,209,500 | 3,962 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2521% | 3,145 |
| Cost of funding earning assets | 0.6703% | 2,038 |
| Net interest margin | 3.5818% | 3,540 |
| Noninterest income to average assets | 0.1534% | 6,173 |
| Noninterest expense to average assets | 2.7358% | 3,969 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8593% | 2,982 |
| Return on assets (ROA) | 0.8611% | 3,056 |
| Pretax return on assets | 0.8611% | 3,914 |
| Return on Equity (ROE) | 8.8136% | 2,634 |
| Retained earnings to average equity (ytd only) | 5.7840% | 2,110 |
| Net charge-offs to loans | -0.0241% | 6,174 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3513% | 3,072 |
| Assets per employee ($millions) | 6.7361% | 878 |
| Cash dividends to net income (ytd only)* | 34.3750% | 3,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3514% | 983 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 63.1923% | 3,183 |
| Net loans and leases to deposits | 73.3753% | 3,349 |
| Net loans and leases to core deposits | 77.1718% | 3,468 |
| Total domestic deposits to total assets | 86.1219% | 3,191 |
| Equity capital to assets | 9.3172% | 4,673 |
| Core capital (leverage) ratio | 9.1255% | 4,816 |
| Tier 1 risk-based capital ratio | 13.7992% | 4,439 |
| Total risk-based capital ratio | 15.0633% | 4,377 |
| Memoranda: | ||
| Average total assets | $111,483,600 | 4,469 |
| Average earning assets | $107,123,800 | 4,334 |
| Average equity | $10,892,200 | 4,656 |
| Average total loans | $70,555,800 | 4,250 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2676% | 3,122 |
| Cost of funding earning assets | 0.6783% | 2,107 |
| Net interest margin | 3.5893% | 3,494 |
| Noninterest income to average assets | 0.1455% | 6,305 |
| Noninterest expense to average assets | 2.7719% | 3,754 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8156% | 3,268 |
| Return on assets (ROA) | 0.8180% | 3,383 |
| Pretax return on assets | 0.8180% | 4,229 |
| Return on Equity (ROE) | 8.2660% | 2,990 |
| Retained earnings to average equity (ytd only) | 4.1886% | 3,703 |
| Net charge-offs to loans | -0.0272% | 6,141 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3579% | 2,836 |
| Assets per employee ($millions) | 6.2420% | 1,080 |
| Cash dividends to net income (ytd only)* | 49.3273% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5849% | 847 |
| Loan loss allowance to noncurrent loans | 885.5769% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.1851% | 5,885 |
| Noncurrent loans to loans | 0.2919% | 5,500 |
| Net loans and leases to total assets | 61.7840% | 3,402 |
| Net loans and leases to deposits | 72.1773% | 3,490 |
| Net loans and leases to core deposits | 76.0170% | 3,614 |
| Total domestic deposits to total assets | 85.6002% | 3,453 |
| Equity capital to assets | 9.3186% | 4,782 |
| Core capital (leverage) ratio | 8.8498% | 5,329 |
| Tier 1 risk-based capital ratio | 13.7475% | 4,602 |
| Total risk-based capital ratio | 15.0137% | 4,550 |
| Memoranda: | ||
| Average total assets | $109,042,250 | 4,553 |
| Average earning assets | $104,568,250 | 4,442 |
| Average equity | $10,791,000 | 4,736 |
| Average total loans | $68,578,500 | 4,357 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2804% | 3,038 |
| Cost of funding earning assets | 0.6873% | 2,161 |
| Net interest margin | 3.5931% | 3,389 |
| Noninterest income to average assets | 0.1297% | 6,406 |
| Noninterest expense to average assets | 2.7794% | 3,747 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7893% | 3,353 |
| Return on assets (ROA) | 0.7931% | 3,489 |
| Pretax return on assets | 0.7931% | 4,340 |
| Return on Equity (ROE) | 7.8547% | 3,164 |
| Retained earnings to average equity (ytd only) | 1.7985% | 5,112 |
| Net charge-offs to loans | -0.0266% | 6,062 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8567% | 2,812 |
| Assets per employee ($millions) | 6.3776% | 970 |
| Cash dividends to net income (ytd only)* | 77.1028% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6203% | 860 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 63.0022% | 3,098 |
| Net loans and leases to deposits | 74.9219% | 3,028 |
| Net loans and leases to core deposits | 79.1295% | 3,148 |
| Total domestic deposits to total assets | 84.0906% | 4,280 |
| Equity capital to assets | 9.6163% | 4,431 |
| Core capital (leverage) ratio | 8.8127% | 5,273 |
| Tier 1 risk-based capital ratio | 13.7628% | 4,594 |
| Total risk-based capital ratio | 15.0300% | 4,551 |
| Memoranda: | ||
| Average total assets | $107,937,670 | 4,610 |
| Average earning assets | $103,309,000 | 4,488 |
| Average equity | $10,898,000 | 4,750 |
| Average total loans | $67,684,670 | 4,387 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2016% | 3,294 |
| Cost of funding earning assets | 0.6944% | 2,268 |
| Net interest margin | 3.5071% | 3,664 |
| Noninterest income to average assets | 0.1263% | 6,466 |
| Noninterest expense to average assets | 2.7113% | 4,013 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7725% | 3,320 |
| Return on assets (ROA) | 0.7800% | 3,415 |
| Pretax return on assets | 0.7800% | 4,253 |
| Return on Equity (ROE) | 7.5445% | 3,198 |
| Retained earnings to average equity (ytd only) | 0.3593% | 5,673 |
| Net charge-offs to loans | -0.0301% | 5,898 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6930% | 2,975 |
| Assets per employee ($millions) | 7.3191% | 662 |
| Cash dividends to net income (ytd only)* | 95.2381% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7071% | 909 |
| Loan loss allowance to noncurrent loans | 1,833.0000% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.0911% | 6,317 |
| Noncurrent loans to loans | 0.1477% | 6,026 |
| Net loans and leases to total assets | 60.0062% | 3,427 |
| Net loans and leases to deposits | 70.7198% | 3,361 |
| Net loans and leases to core deposits | 75.2061% | 3,439 |
| Total domestic deposits to total assets | 84.8507% | 4,116 |
| Equity capital to assets | 10.0813% | 4,039 |
| Core capital (leverage) ratio | 8.6060% | 5,443 |
| Tier 1 risk-based capital ratio | 13.7884% | 4,661 |
| Total risk-based capital ratio | 15.0431% | 4,617 |
| Memoranda: | ||
| Average total assets | $107,696,500 | 4,661 |
| Average earning assets | $103,104,500 | 4,535 |
| Average equity | $11,134,000 | 4,746 |
| Average total loans | $66,454,500 | 4,477 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4925% | 3,424 |
| Cost of funding earning assets | 0.7090% | 3,425 |
| Net interest margin | 3.7835% | 3,301 |
| Noninterest income to average assets | 0.1530% | 6,269 |
| Noninterest expense to average assets | 2.8966% | 3,653 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8441% | 3,073 |
| Return on assets (ROA) | 0.9882% | 2,612 |
| Pretax return on assets | 0.9882% | 3,585 |
| Return on Equity (ROE) | 9.3653% | 2,457 |
| Retained earnings to average equity (ytd only) | 9.3653% | 732 |
| Net charge-offs to loans | -0.0306% | 6,617 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7163% | 2,946 |
| Assets per employee ($millions) | 7.0404% | 753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8038% | 818 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 60.0051% | 3,603 |
| Net loans and leases to deposits | 72.3994% | 3,346 |
| Net loans and leases to core deposits | 76.5391% | 3,460 |
| Total domestic deposits to total assets | 82.8807% | 4,770 |
| Equity capital to assets | 10.6055% | 3,393 |
| Core capital (leverage) ratio | 8.8615% | 5,082 |
| Tier 1 risk-based capital ratio | 14.2916% | 4,172 |
| Total risk-based capital ratio | 15.5609% | 4,117 |
| Memoranda: | ||
| Average total assets | $101,291,600 | 4,798 |
| Average earning assets | $96,048,800 | 4,689 |
| Average equity | $10,688,400 | 4,817 |
| Average total loans | $55,501,600 | 4,884 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5584% | 3,395 |
| Cost of funding earning assets | 0.7215% | 3,582 |
| Net interest margin | 3.8368% | 3,179 |
| Noninterest income to average assets | 0.1503% | 6,397 |
| Noninterest expense to average assets | 2.9496% | 3,406 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8302% | 3,306 |
| Return on assets (ROA) | 1.0245% | 2,612 |
| Pretax return on assets | 1.0245% | 3,619 |
| Return on Equity (ROE) | 9.7215% | 2,487 |
| Retained earnings to average equity (ytd only) | 9.7215% | 994 |
| Net charge-offs to loans | -0.0276% | 6,565 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1144% | 2,807 |
| Assets per employee ($millions) | 7.4814% | 601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9938% | 718 |
| Loan loss allowance to noncurrent loans | 213.0994% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.8163% | 4,659 |
| Noncurrent loans to loans | 1.4049% | 3,693 |
| Net loans and leases to total assets | 56.3668% | 4,391 |
| Net loans and leases to deposits | 67.5778% | 4,246 |
| Net loans and leases to core deposits | 71.3390% | 4,332 |
| Total domestic deposits to total assets | 83.4102% | 4,476 |
| Equity capital to assets | 10.6264% | 3,700 |
| Core capital (leverage) ratio | 8.7786% | 5,376 |
| Tier 1 risk-based capital ratio | 14.3826% | 4,277 |
| Total risk-based capital ratio | 15.6525% | 4,230 |
| Memoranda: | ||
| Average total assets | $100,213,000 | 4,870 |
| Average earning assets | $94,798,000 | 4,775 |
| Average equity | $10,560,500 | 4,901 |
| Average total loans | $53,077,750 | 5,030 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5649% | 3,501 |
| Cost of funding earning assets | 0.7451% | 3,641 |
| Net interest margin | 3.8199% | 3,270 |
| Noninterest income to average assets | 0.1621% | 6,366 |
| Noninterest expense to average assets | 2.9401% | 3,473 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8267% | 3,265 |
| Return on assets (ROA) | 1.1165% | 2,202 |
| Pretax return on assets | 1.1165% | 3,245 |
| Return on Equity (ROE) | 10.6261% | 2,122 |
| Retained earnings to average equity (ytd only) | 10.6261% | 822 |
| Net charge-offs to loans | -0.0277% | 6,510 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9328% | 2,908 |
| Assets per employee ($millions) | 6.9105% | 757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1289% | 689 |
| Loan loss allowance to noncurrent loans | 279.2627% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.6280% | 5,204 |
| Noncurrent loans to loans | 1.1204% | 4,279 |
| Net loans and leases to total assets | 54.2997% | 4,746 |
| Net loans and leases to deposits | 67.1222% | 4,341 |
| Net loans and leases to core deposits | 73.0048% | 4,166 |
| Total domestic deposits to total assets | 80.8968% | 5,502 |
| Equity capital to assets | 10.3552% | 3,871 |
| Core capital (leverage) ratio | 8.7096% | 5,363 |
| Tier 1 risk-based capital ratio | 14.1101% | 4,364 |
| Total risk-based capital ratio | 15.1251% | 4,512 |
| Memoranda: | ||
| Average total assets | $98,704,330 | 4,930 |
| Average earning assets | $93,145,000 | 4,842 |
| Average equity | $10,370,670 | 4,947 |
| Average total loans | $50,483,670 | 5,177 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5883% | 3,558 |
| Cost of funding earning assets | 0.7920% | 3,536 |
| Net interest margin | 3.7963% | 3,409 |
| Noninterest income to average assets | 0.1289% | 6,606 |
| Noninterest expense to average assets | 3.0095% | 3,208 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6859% | 3,953 |
| Return on assets (ROA) | 0.7108% | 4,050 |
| Pretax return on assets | 0.7108% | 4,757 |
| Return on Equity (ROE) | 6.7131% | 3,942 |
| Retained earnings to average equity (ytd only) | 6.7131% | 2,578 |
| Net charge-offs to loans | -0.0429% | 6,476 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1777% | 2,470 |
| Assets per employee ($millions) | 7.0680% | 737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7844% | 436 |
| Loan loss allowance to noncurrent loans | 143.1048% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 1.2824% | 4,000 |
| Noncurrent loans to loans | 2.6445% | 2,460 |
| Net loans and leases to total assets | 46.6600% | 5,710 |
| Net loans and leases to deposits | 58.9149% | 5,282 |
| Net loans and leases to core deposits | 60.9969% | 5,434 |
| Total domestic deposits to total assets | 79.1990% | 6,035 |
| Equity capital to assets | 10.3464% | 3,675 |
| Core capital (leverage) ratio | 8.8056% | 5,122 |
| Tier 1 risk-based capital ratio | 14.8683% | 3,844 |
| Total risk-based capital ratio | 16.1418% | 3,799 |
| Memoranda: | ||
| Average total assets | $96,227,500 | 5,036 |
| Average earning assets | $90,403,500 | 4,953 |
| Average equity | $10,189,000 | 4,996 |
| Average total loans | $46,673,500 | 5,355 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9968% | 2,898 |
| Cost of funding earning assets | 1.0134% | 3,276 |
| Net interest margin | 3.9834% | 2,969 |
| Noninterest income to average assets | 1.2945% | 767 |
| Noninterest expense to average assets | 3.2706% | 2,618 |
| Loan and lease loss provision to assets | 0.0544% | 5,913 |
| Net operating income to assets | 1.7485% | 507 |
| Return on assets (ROA) | 1.8998% | 409 |
| Pretax return on assets | 1.8998% | 663 |
| Return on Equity (ROE) | 19.4576% | 288 |
| Retained earnings to average equity (ytd only) | 19.4576% | 57 |
| Net charge-offs to loans | -0.0309% | 7,005 |
| Credit loss provision to net charge-offs | -357.1429% | 6,790 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2017% | 5,579 |
| Assets per employee ($millions) | 6.2335% | 1,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9925% | 387 |
| Loan loss allowance to noncurrent loans | 140.7148% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 1.3764% | 3,942 |
| Noncurrent loans to loans | 2.8373% | 2,308 |
| Net loans and leases to total assets | 46.5750% | 5,957 |
| Net loans and leases to deposits | 55.1414% | 5,965 |
| Net loans and leases to core deposits | 57.2667% | 6,058 |
| Total domestic deposits to total assets | 84.4647% | 4,115 |
| Equity capital to assets | 10.8446% | 3,141 |
| Core capital (leverage) ratio | 8.9451% | 4,871 |
| Tier 1 risk-based capital ratio | 15.6555% | 3,234 |
| Total risk-based capital ratio | 16.9298% | 3,181 |
| Memoranda: | ||
| Average total assets | $91,849,400 | 5,136 |
| Average earning assets | $87,136,000 | 5,019 |
| Average equity | $8,968,200 | 5,287 |
| Average total loans | $45,247,000 | 5,457 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9620% | 3,280 |
| Cost of funding earning assets | 1.0556% | 3,281 |
| Net interest margin | 3.9064% | 3,349 |
| Noninterest income to average assets | 1.6915% | 481 |
| Noninterest expense to average assets | 3.1963% | 2,842 |
| Loan and lease loss provision to assets | 0.0729% | 5,543 |
| Net operating income to assets | 2.1348% | 278 |
| Return on assets (ROA) | 2.3375% | 211 |
| Pretax return on assets | 2.3375% | 343 |
| Return on Equity (ROE) | 24.6365% | 141 |
| Retained earnings to average equity (ytd only) | 24.6365% | 39 |
| Net charge-offs to loans | -0.0265% | 6,953 |
| Credit loss provision to net charge-offs | -555.5556% | 6,686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8284% | 6,304 |
| Assets per employee ($millions) | 6.5719% | 914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7756% | 468 |
| Loan loss allowance to noncurrent loans | 836.1111% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.2191% | 6,513 |
| Noncurrent loans to loans | 0.4516% | 5,938 |
| Net loans and leases to total assets | 46.6909% | 6,085 |
| Net loans and leases to deposits | 54.6302% | 6,149 |
| Net loans and leases to core deposits | 56.5901% | 6,266 |
| Total domestic deposits to total assets | 85.4673% | 3,519 |
| Equity capital to assets | 10.0114% | 4,326 |
| Core capital (leverage) ratio | 8.8735% | 5,152 |
| Tier 1 risk-based capital ratio | 14.7464% | 3,807 |
| Total risk-based capital ratio | 16.0217% | 3,768 |
| Memoranda: | ||
| Average total assets | $91,436,000 | 5,185 |
| Average earning assets | $86,898,750 | 5,065 |
| Average equity | $8,675,250 | 5,393 |
| Average total loans | $45,218,750 | 5,507 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0180% | 3,070 |
| Cost of funding earning assets | 1.0955% | 3,278 |
| Net interest margin | 3.9225% | 3,205 |
| Noninterest income to average assets | 2.5580% | 263 |
| Noninterest expense to average assets | 3.3350% | 2,448 |
| Loan and lease loss provision to assets | 0.1123% | 4,892 |
| Net operating income to assets | 2.8499% | 111 |
| Return on assets (ROA) | 3.1621% | 95 |
| Pretax return on assets | 3.1621% | 129 |
| Return on Equity (ROE) | 34.0206% | 47 |
| Retained earnings to average equity (ytd only) | 34.0206% | 30 |
| Net charge-offs to loans | -0.0451% | 7,009 |
| Credit loss provision to net charge-offs | -500.0000% | 6,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9287% | 6,944 |
| Assets per employee ($millions) | 6.6067% | 876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9294% | 438 |
| Loan loss allowance to noncurrent loans | 194.3011% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 1.0055% | 4,867 |
| Noncurrent loans to loans | 2.0223% | 3,446 |
| Net loans and leases to total assets | 47.7653% | 6,077 |
| Net loans and leases to deposits | 55.9814% | 6,139 |
| Net loans and leases to core deposits | 58.7578% | 6,209 |
| Total domestic deposits to total assets | 85.3234% | 3,717 |
| Equity capital to assets | 9.8904% | 4,285 |
| Core capital (leverage) ratio | 8.7638% | 5,102 |
| Tier 1 risk-based capital ratio | 14.7837% | 3,623 |
| Total risk-based capital ratio | 16.0605% | 3,576 |
| Memoranda: | ||
| Average total assets | $89,055,330 | 5,286 |
| Average earning assets | $84,895,000 | 5,165 |
| Average equity | $8,277,330 | 5,530 |
| Average total loans | $44,347,330 | 5,597 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0964% | 2,667 |
| Cost of funding earning assets | 1.1320% | 3,285 |
| Net interest margin | 3.9644% | 2,852 |
| Noninterest income to average assets | 5.1250% | 134 |
| Noninterest expense to average assets | 3.4762% | 2,073 |
| Loan and lease loss provision to assets | 0.1145% | 4,578 |
| Net operating income to assets | 5.3037% | 49 |
| Return on assets (ROA) | 5.7021% | 47 |
| Pretax return on assets | 5.7021% | 63 |
| Return on Equity (ROE) | 63.5042% | 22 |
| Retained earnings to average equity (ytd only) | 63.5042% | 16 |
| Net charge-offs to loans | -0.0459% | 6,853 |
| Credit loss provision to net charge-offs | -500.0000% | 5,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.8692% | 7,433 |
| Assets per employee ($millions) | 5.5316% | 1,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1149% | 389 |
| Loan loss allowance to noncurrent loans | 354.6906% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.5661% | 5,844 |
| Noncurrent loans to loans | 1.1601% | 4,762 |
| Net loans and leases to total assets | 46.7861% | 6,209 |
| Net loans and leases to deposits | 54.8109% | 6,229 |
| Net loans and leases to core deposits | 57.8478% | 6,275 |
| Total domestic deposits to total assets | 85.3590% | 3,857 |
| Equity capital to assets | 9.6876% | 4,191 |
| Core capital (leverage) ratio | 8.8109% | 4,909 |
| Tier 1 risk-based capital ratio | 14.7524% | 3,577 |
| Total risk-based capital ratio | 16.0299% | 3,523 |
| Memoranda: | ||
| Average total assets | $87,336,000 | 5,376 |
| Average earning assets | $83,038,500 | 5,272 |
| Average equity | $7,842,000 | 5,667 |
| Average total loans | $43,527,500 | 5,680 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1344% | 3,929 |
| Cost of funding earning assets | 1.0003% | 5,688 |
| Net interest margin | 4.1341% | 2,433 |
| Noninterest income to average assets | 0.1326% | 6,729 |
| Noninterest expense to average assets | 12.5744% | 63 |
| Loan and lease loss provision to assets | 2.1697% | 579 |
| Net operating income to assets | -10.8044% | 7,643 |
| Return on assets (ROA) | -10.3333% | 7,642 |
| Pretax return on assets | -10.3333% | 7,641 |
| Return on Equity (ROE) | -73.5511% | 7,530 |
| Retained earnings to average equity (ytd only) | -73.5511% | 7,529 |
| Net charge-offs to loans | 2.3650% | 812 |
| Credit loss provision to net charge-offs | 205.3232% | 1,509 |
| Earnings coverage of net charge-offs (x) | -8.1711% | 6,789 |
| Efficiency ratio | 190.1071% | 102 |
| Assets per employee ($millions) | 6.1548% | 1,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9822% | 412 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 48.8853% | 6,289 |
| Net loans and leases to deposits | 58.8294% | 6,176 |
| Net loans and leases to core deposits | 64.6643% | 6,003 |
| Total domestic deposits to total assets | 83.0968% | 4,756 |
| Equity capital to assets | 8.2514% | 6,201 |
| Core capital (leverage) ratio | 6.6410% | 7,162 |
| Tier 1 risk-based capital ratio | 11.5171% | 5,898 |
| Total risk-based capital ratio | 12.7903% | 5,879 |
| Memoranda: | ||
| Average total assets | $99,551,800 | 4,996 |
| Average earning assets | $91,675,800 | 4,957 |
| Average equity | $13,986,200 | 4,148 |
| Average total loans | $44,481,800 | 5,723 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0641% | 4,514 |
| Cost of funding earning assets | 0.9485% | 6,183 |
| Net interest margin | 4.1156% | 2,548 |
| Noninterest income to average assets | 0.1853% | 6,553 |
| Noninterest expense to average assets | 14.8635% | 51 |
| Loan and lease loss provision to assets | 0.7878% | 1,936 |
| Net operating income to assets | -11.7045% | 7,749 |
| Return on assets (ROA) | -11.3780% | 7,749 |
| Pretax return on assets | -11.3780% | 7,748 |
| Return on Equity (ROE) | -74.5465% | 7,648 |
| Retained earnings to average equity (ytd only) | -74.5465% | 7,647 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 211.7859% | 70 |
| Assets per employee ($millions) | 7.3815% | 656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7145% | 1,069 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 43.2461% | 6,891 |
| Net loans and leases to deposits | 66.8377% | 5,565 |
| Net loans and leases to core deposits | 79.5086% | 4,588 |
| Total domestic deposits to total assets | 64.7033% | 7,502 |
| Equity capital to assets | 9.2519% | 5,223 |
| Core capital (leverage) ratio | 7.2087% | 7,052 |
| Tier 1 risk-based capital ratio | 12.0032% | 5,463 |
| Total risk-based capital ratio | 13.2701% | 5,416 |
| Memoranda: | ||
| Average total assets | $102,898,000 | 4,969 |
| Average earning assets | $94,045,750 | 4,949 |
| Average equity | $15,705,250 | 3,858 |
| Average total loans | $44,634,750 | 5,800 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1732% | 4,082 |
| Cost of funding earning assets | 0.9212% | 6,493 |
| Net interest margin | 4.2520% | 1,955 |
| Noninterest income to average assets | 0.0701% | 7,230 |
| Noninterest expense to average assets | 3.6924% | 1,568 |
| Loan and lease loss provision to assets | 0.3270% | 3,784 |
| Net operating income to assets | -0.1129% | 6,250 |
| Return on assets (ROA) | 0.2842% | 5,394 |
| Pretax return on assets | 0.2842% | 5,545 |
| Return on Equity (ROE) | 1.6448% | 5,749 |
| Retained earnings to average equity (ytd only) | 1.6448% | 5,050 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2910% | 1,485 |
| Assets per employee ($millions) | 6.2803% | 1,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7003% | 3,075 |
| Loan loss allowance to noncurrent loans | 40.4511% | 5,644 |
| Noncurrent assets plus other real estate owned to assets | 1.8686% | 3,666 |
| Noncurrent loans to loans | 4.2035% | 1,772 |
| Net loans and leases to total assets | 43.6978% | 6,945 |
| Net loans and leases to deposits | 74.3289% | 4,625 |
| Net loans and leases to core deposits | 85.3125% | 3,932 |
| Total domestic deposits to total assets | 58.7899% | 7,672 |
| Equity capital to assets | 16.6721% | 576 |
| Core capital (leverage) ratio | 12.0985% | 1,591 |
| Tier 1 risk-based capital ratio | 17.3876% | 2,137 |
| Total risk-based capital ratio | 18.5876% | 2,121 |
| Memoranda: | ||
| Average total assets | $102,750,330 | 4,998 |
| Average earning assets | $92,708,670 | 5,022 |
| Average equity | $17,753,330 | 3,500 |
| Average total loans | $44,200,330 | 5,856 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3001% | 3,549 |
| Cost of funding earning assets | 0.8921% | 6,802 |
| Net interest margin | 4.4079% | 1,368 |
| Noninterest income to average assets | 0.0794% | 7,304 |
| Noninterest expense to average assets | 3.6886% | 1,540 |
| Loan and lease loss provision to assets | 0.2144% | 4,369 |
| Net operating income to assets | 0.1588% | 5,826 |
| Return on assets (ROA) | 0.2303% | 5,695 |
| Pretax return on assets | 0.2303% | 5,797 |
| Return on Equity (ROE) | 1.3085% | 6,027 |
| Retained earnings to average equity (ytd only) | 1.3085% | 5,288 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7507% | 1,941 |
| Assets per employee ($millions) | 5.7144% | 1,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6182% | 3,369 |
| Loan loss allowance to noncurrent loans | 194.6629% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.3461% | 6,610 |
| Noncurrent loans to loans | 0.8313% | 5,651 |
| Net loans and leases to total assets | 40.9609% | 7,188 |
| Net loans and leases to deposits | 66.1361% | 5,805 |
| Net loans and leases to core deposits | 82.2650% | 4,447 |
| Total domestic deposits to total assets | 61.9343% | 7,719 |
| Equity capital to assets | 17.3820% | 488 |
| Core capital (leverage) ratio | 11.8875% | 1,696 |
| Tier 1 risk-based capital ratio | 18.0939% | 1,924 |
| Total risk-based capital ratio | 19.1838% | 1,930 |
| Memoranda: | ||
| Average total assets | $100,743,000 | 5,121 |
| Average earning assets | $91,018,000 | 5,134 |
| Average equity | $17,730,000 | 3,535 |
| Average total loans | $42,570,000 | 6,004 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4595% | 4,391 |
| Cost of funding earning assets | 1.0890% | 7,011 |
| Net interest margin | 4.3705% | 1,514 |
| Noninterest income to average assets | 0.0580% | 7,467 |
| Noninterest expense to average assets | 4.1014% | 1,231 |
| Loan and lease loss provision to assets | 0.4328% | 4,229 |
| Net operating income to assets | -0.5790% | 6,249 |
| Return on assets (ROA) | -0.1694% | 5,800 |
| Pretax return on assets | -0.1694% | 5,671 |
| Return on Equity (ROE) | -0.8760% | 5,680 |
| Retained earnings to average equity (ytd only) | -2.6760% | 5,642 |
| Net charge-offs to loans | 0.5581% | 3,550 |
| Credit loss provision to net charge-offs | 165.0442% | 2,644 |
| Earnings coverage of net charge-offs (x) | -0.5575% | 6,729 |
| Efficiency ratio | 94.0745% | 1,411 |
| Assets per employee ($millions) | 5.8016% | 1,381 |
| Cash dividends to net income (ytd only)* | -205.4795% | 7,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5101% | 3,667 |
| Loan loss allowance to noncurrent loans | 179.4944% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.3610% | 6,544 |
| Noncurrent loans to loans | 0.8413% | 5,611 |
| Net loans and leases to total assets | 42.2562% | 7,237 |
| Net loans and leases to deposits | 84.6540% | 3,148 |
| Net loans and leases to core deposits | 139.2077% | 837 |
| Total domestic deposits to total assets | 49.9164% | 7,906 |
| Equity capital to assets | 17.8257% | 461 |
| Core capital (leverage) ratio | 12.6477% | 1,379 |
| Tier 1 risk-based capital ratio | 18.3736% | 1,783 |
| Total risk-based capital ratio | 19.4083% | 1,804 |
| Memoranda: | ||
| Average total assets | $86,190,400 | 5,517 |
| Average earning assets | $76,856,200 | 5,564 |
| Average equity | $16,666,800 | 3,742 |
| Average total loans | $40,493,200 | 6,075 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5031% | 4,402 |
| Cost of funding earning assets | 1.1320% | 7,094 |
| Net interest margin | 4.3710% | 1,525 |
| Noninterest income to average assets | 0.0610% | 7,602 |
| Noninterest expense to average assets | 3.7264% | 1,761 |
| Loan and lease loss provision to assets | 0.5986% | 2,995 |
| Net operating income to assets | -0.3787% | 6,289 |
| Return on assets (ROA) | -0.0048% | 5,779 |
| Pretax return on assets | -0.0048% | 5,714 |
| Return on Equity (ROE) | -0.0243% | 5,777 |
| Retained earnings to average equity (ytd only) | -1.4113% | 5,587 |
| Net charge-offs to loans | 0.7559% | 2,470 |
| Credit loss provision to net charge-offs | 164.3172% | 2,864 |
| Earnings coverage of net charge-offs (x) | 0.6035% | 5,429 |
| Efficiency ratio | 83.6112% | 2,336 |
| Assets per employee ($millions) | 5.6871% | 1,446 |
| Cash dividends to net income (ytd only)* | -5,699.7500% | 8,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4979% | 3,459 |
| Loan loss allowance to noncurrent loans | 179.2135% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.3682% | 6,560 |
| Noncurrent loans to loans | 0.8358% | 5,625 |
| Net loans and leases to total assets | 43.3947% | 7,285 |
| Net loans and leases to deposits | 80.3378% | 4,332 |
| Net loans and leases to core deposits | 149.9482% | 578 |
| Total domestic deposits to total assets | 54.0153% | 7,951 |
| Equity capital to assets | 17.3438% | 583 |
| Core capital (leverage) ratio | 12.5507% | 1,561 |
| Tier 1 risk-based capital ratio | 16.8220% | 2,327 |
| Total risk-based capital ratio | 17.8729% | 2,337 |
| Memoranda: | ||
| Average total assets | $83,081,250 | 5,655 |
| Average earning assets | $73,847,750 | 5,727 |
| Average equity | $16,438,250 | 3,826 |
| Average total loans | $40,037,750 | 6,157 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5499% | 4,339 |
| Cost of funding earning assets | 1.1946% | 7,118 |
| Net interest margin | 4.3553% | 1,508 |
| Noninterest income to average assets | 0.0662% | 7,654 |
| Noninterest expense to average assets | 3.5036% | 2,327 |
| Loan and lease loss provision to assets | 0.6136% | 2,597 |
| Net operating income to assets | -0.1986% | 6,187 |
| Return on assets (ROA) | 0.0178% | 5,867 |
| Pretax return on assets | 0.0178% | 5,828 |
| Return on Equity (ROE) | 0.0857% | 5,890 |
| Retained earnings to average equity (ytd only) | -1.2984% | 5,569 |
| Net charge-offs to loans | -0.0051% | 7,528 |
| Credit loss provision to net charge-offs | -24,100.0000% | 7,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5179% | 3,415 |
| Assets per employee ($millions) | 6.5219% | 957 |
| Cash dividends to net income (ytd only)* | 1,614.2857% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7566% | 2,163 |
| Loan loss allowance to noncurrent loans | 125.6849% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.6396% | 5,819 |
| Noncurrent loans to loans | 1.3976% | 4,416 |
| Net loans and leases to total assets | 44.9609% | 7,267 |
| Net loans and leases to deposits | 87.4656% | 3,269 |
| Net loans and leases to core deposits | 127.2260% | 1,766 |
| Total domestic deposits to total assets | 51.4041% | 8,050 |
| Equity capital to assets | 17.6943% | 581 |
| Core capital (leverage) ratio | 13.7951% | 1,193 |
| Tier 1 risk-based capital ratio | 20.1609% | 1,549 |
| Total risk-based capital ratio | 21.4143% | 1,508 |
| Memoranda: | ||
| Average total assets | $78,548,330 | 5,846 |
| Average earning assets | $69,478,330 | 5,903 |
| Average equity | $16,328,330 | 3,850 |
| Average total loans | $39,186,330 | 6,238 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7921% | 3,341 |
| Cost of funding earning assets | 1.2654% | 7,132 |
| Net interest margin | 4.5266% | 1,074 |
| Noninterest income to average assets | 0.0665% | 7,736 |
| Noninterest expense to average assets | 3.3421% | 2,524 |
| Loan and lease loss provision to assets | 0.4268% | 2,789 |
| Net operating income to assets | 0.2827% | 5,359 |
| Return on assets (ROA) | 0.4212% | 4,946 |
| Pretax return on assets | 0.4212% | 5,335 |
| Return on Equity (ROE) | 1.8520% | 5,826 |
| Retained earnings to average equity (ytd only) | 0.4874% | 5,460 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9042% | 4,598 |
| Assets per employee ($millions) | 7.1736% | 718 |
| Cash dividends to net income (ytd only)* | 73.6842% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4995% | 2,993 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 47.3666% | 7,075 |
| Net loans and leases to deposits | 85.8472% | 3,660 |
| Net loans and leases to core deposits | 144.2292% | 922 |
| Total domestic deposits to total assets | 55.1755% | 8,053 |
| Equity capital to assets | 20.7705% | 372 |
| Core capital (leverage) ratio | 15.6078% | 843 |
| Tier 1 risk-based capital ratio | 23.0825% | 1,185 |
| Total risk-based capital ratio | 24.3323% | 1,156 |
| Memoranda: | ||
| Average total assets | $72,169,500 | 6,060 |
| Average earning assets | $63,535,000 | 6,123 |
| Average equity | $16,414,500 | 3,861 |
| Average total loans | $37,886,500 | 6,336 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0492% | 8,217 |
| Cost of funding earning assets | 0.4576% | 8,197 |
| Net interest margin | 1.5917% | 8,173 |
| Noninterest income to average assets | 0.0845% | 7,717 |
| Noninterest expense to average assets | 1.4664% | 8,049 |
| Loan and lease loss provision to assets | 0.0983% | 6,130 |
| Net operating income to assets | -0.0373% | 6,420 |
| Return on assets (ROA) | -0.0373% | 6,272 |
| Pretax return on assets | -0.0373% | 6,191 |
| Return on Equity (ROE) | -0.1515% | 6,253 |
| Retained earnings to average equity (ytd only) | -1.1483% | 5,642 |
| Net charge-offs to loans | 0.0085% | 6,813 |
| Credit loss provision to net charge-offs | 1,666.6667% | 257 |
| Earnings coverage of net charge-offs (x) | 10.3333% | 2,528 |
| Efficiency ratio | 80.3089% | 2,550 |
| Assets per employee ($millions) | 6.5429% | 870 |
| Cash dividends to net income (ytd only)* | -657.8947% | 8,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3007% | 3,777 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 57.0619% | 6,329 |
| Net loans and leases to deposits | 115.2564% | 557 |
| Net loans and leases to core deposits | 159.7561% | 580 |
| Total domestic deposits to total assets | 49.5086% | 8,125 |
| Equity capital to assets | 25.1249% | 267 |
| Core capital (leverage) ratio | 21.4151% | 357 |
| Tier 1 risk-based capital ratio | 25.3329% | 962 |
| Total risk-based capital ratio | 26.5644% | 938 |
| Memoranda: | ||
| Average total assets | $50,874,000 | 6,741 |
| Average earning assets | $46,115,000 | 6,764 |
| Average equity | $12,540,800 | 4,690 |
| Average total loans | $35,274,400 | 6,407 |