Home > American River Bank > Performance and Condition Ratios
American River Bank, Performance and Condition Ratios
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5444% | 2,787 |
| Cost of funding earning assets | 0.1031% | 4,558 |
| Net interest margin | 3.4414% | 2,030 |
| Noninterest income to average assets | 0.2024% | 4,192 |
| Noninterest expense to average assets | 1.7842% | 4,217 |
| Loan and lease loss provision to assets | -0.0914% | 4,608 |
| Net operating income to assets | 1.2269% | 2,090 |
| Return on assets (ROA) | 1.2610% | 2,062 |
| Pretax return on assets | 1.7461% | 1,370 |
| Return on Equity (ROE) | 12.0109% | 2,065 |
| Retained earnings to average equity (ytd only) | 7.9386% | 2,097 |
| Net charge-offs to loans | -0.0303% | 4,159 |
| Credit loss provision to net charge-offs | 585.7143% | 634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5438% | 3,982 |
| Assets per employee ($millions) | 9.9646% | 613 |
| Cash dividends to net income (ytd only)* | 33.9049% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4485% | 1,771 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0882% | 3,615 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 47.1782% | 3,809 |
| Net loans and leases to deposits | 54.2724% | 3,838 |
| Net loans and leases to core deposits | 57.4894% | 3,798 |
| Total domestic deposits to total assets | 86.9286% | 2,363 |
| Equity capital to assets | 10.5098% | 2,387 |
| Core capital (leverage) ratio | 8.3625% | 4,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $897,204,000 | 1,056 |
| Average earning assets | $832,517,000 | 1,054 |
| Average equity | $94,197,667 | 1,067 |
| Average total loans | $462,600,333 | 1,262 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5519% | 2,781 |
| Cost of funding earning assets | 0.1072% | 4,611 |
| Net interest margin | 3.4447% | 1,979 |
| Noninterest income to average assets | 0.1990% | 4,192 |
| Noninterest expense to average assets | 1.7530% | 4,286 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1811% | 2,226 |
| Return on assets (ROA) | 1.2420% | 2,087 |
| Pretax return on assets | 1.7198% | 1,449 |
| Return on Equity (ROE) | 11.8361% | 2,077 |
| Retained earnings to average equity (ytd only) | 9.7004% | 1,743 |
| Net charge-offs to loans | -0.0570% | 4,447 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6235% | 4,037 |
| Assets per employee ($millions) | 9.6359% | 668 |
| Cash dividends to net income (ytd only)* | 18.0440% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4089% | 1,916 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0874% | 3,757 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 51.1866% | 3,524 |
| Net loans and leases to deposits | 59.4160% | 3,528 |
| Net loans and leases to core deposits | 63.2896% | 3,476 |
| Total domestic deposits to total assets | 86.1494% | 2,682 |
| Equity capital to assets | 10.2188% | 2,507 |
| Core capital (leverage) ratio | 8.5314% | 4,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $892,416,500 | 1,045 |
| Average earning assets | $828,176,500 | 1,050 |
| Average equity | $93,646,000 | 1,062 |
| Average total loans | $476,855,500 | 1,227 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7460% | 3,459 |
| Cost of funding earning assets | 0.2124% | 4,542 |
| Net interest margin | 3.5336% | 2,358 |
| Noninterest income to average assets | 0.1906% | 4,333 |
| Noninterest expense to average assets | 1.9791% | 4,176 |
| Loan and lease loss provision to assets | 0.1883% | 2,070 |
| Net operating income to assets | 0.9407% | 2,520 |
| Return on assets (ROA) | 0.9444% | 2,653 |
| Pretax return on assets | 1.2887% | 2,018 |
| Return on Equity (ROE) | 8.5051% | 2,605 |
| Retained earnings to average equity (ytd only) | 6.1618% | 1,729 |
| Net charge-offs to loans | 0.0068% | 3,101 |
| Credit loss provision to net charge-offs | 5,066.6667% | 205 |
| Earnings coverage of net charge-offs (x) | 396.1000% | 280 |
| Efficiency ratio | 57.3413% | 3,808 |
| Assets per employee ($millions) | 8.9631% | 749 |
| Cash dividends to net income (ytd only)* | 27.5518% | 2,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3853% | 2,023 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0920% | 3,856 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 54.2682% | 3,468 |
| Net loans and leases to deposits | 63.3802% | 3,486 |
| Net loans and leases to core deposits | 67.1766% | 3,468 |
| Total domestic deposits to total assets | 85.6233% | 2,523 |
| Equity capital to assets | 10.7828% | 2,449 |
| Core capital (leverage) ratio | 8.3573% | 4,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $807,083,600 | 1,048 |
| Average earning assets | $744,788,000 | 1,051 |
| Average equity | $89,616,800 | 1,062 |
| Average total loans | $443,137,400 | 1,246 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7933% | 3,589 |
| Cost of funding earning assets | 0.2408% | 4,535 |
| Net interest margin | 3.5525% | 2,413 |
| Noninterest income to average assets | 0.2013% | 4,267 |
| Noninterest expense to average assets | 1.9879% | 4,172 |
| Loan and lease loss provision to assets | 0.2502% | 1,617 |
| Net operating income to assets | 0.9051% | 2,687 |
| Return on assets (ROA) | 0.9101% | 2,788 |
| Pretax return on assets | 1.2423% | 2,258 |
| Return on Equity (ROE) | 8.1322% | 2,757 |
| Retained earnings to average equity (ytd only) | 5.7240% | 2,226 |
| Net charge-offs to loans | 0.0021% | 3,118 |
| Credit loss provision to net charge-offs | 21,214.2857% | 68 |
| Earnings coverage of net charge-offs (x) | 1,260.2857% | 91 |
| Efficiency ratio | 57.2225% | 3,769 |
| Assets per employee ($millions) | 8.4996% | 843 |
| Cash dividends to net income (ytd only)* | 29.6132% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3836% | 1,802 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0985% | 3,936 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 54.9303% | 3,718 |
| Net loans and leases to deposits | 64.6920% | 3,739 |
| Net loans and leases to core deposits | 68.6285% | 3,724 |
| Total domestic deposits to total assets | 84.9105% | 2,481 |
| Equity capital to assets | 10.7565% | 2,580 |
| Core capital (leverage) ratio | 8.3021% | 4,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $791,499,750 | 1,052 |
| Average earning assets | $729,166,250 | 1,050 |
| Average equity | $88,584,000 | 1,061 |
| Average total loans | $434,310,250 | 1,261 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8717% | 3,696 |
| Cost of funding earning assets | 0.2777% | 4,544 |
| Net interest margin | 3.5940% | 2,505 |
| Noninterest income to average assets | 0.2080% | 4,240 |
| Noninterest expense to average assets | 2.0097% | 4,219 |
| Loan and lease loss provision to assets | 0.2704% | 1,580 |
| Net operating income to assets | 0.9033% | 2,674 |
| Return on assets (ROA) | 0.9111% | 2,769 |
| Pretax return on assets | 1.2424% | 2,211 |
| Return on Equity (ROE) | 8.0246% | 2,737 |
| Retained earnings to average equity (ytd only) | 5.3909% | 2,314 |
| Net charge-offs to loans | -0.0095% | 4,195 |
| Credit loss provision to net charge-offs | -5,200.0000% | 4,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2137% | 3,785 |
| Assets per employee ($millions) | 8.6207% | 778 |
| Cash dividends to net income (ytd only)* | 32.8196% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3284% | 1,878 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0972% | 4,044 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 52.8742% | 3,965 |
| Net loans and leases to deposits | 62.0685% | 4,001 |
| Net loans and leases to core deposits | 65.8388% | 3,975 |
| Total domestic deposits to total assets | 85.1869% | 2,317 |
| Equity capital to assets | 10.4371% | 2,802 |
| Core capital (leverage) ratio | 8.4866% | 4,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $769,178,667 | 1,059 |
| Average earning assets | $707,236,000 | 1,063 |
| Average equity | $87,331,667 | 1,060 |
| Average total loans | $419,689,667 | 1,276 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0890% | 3,553 |
| Cost of funding earning assets | 0.3209% | 4,594 |
| Net interest margin | 3.7681% | 2,090 |
| Noninterest income to average assets | 0.2444% | 4,098 |
| Noninterest expense to average assets | 2.2510% | 3,883 |
| Loan and lease loss provision to assets | 0.2756% | 1,131 |
| Net operating income to assets | 0.8580% | 2,668 |
| Return on assets (ROA) | 0.8747% | 2,704 |
| Pretax return on assets | 1.1843% | 2,250 |
| Return on Equity (ROE) | 7.3446% | 2,801 |
| Retained earnings to average equity (ytd only) | 5.0070% | 2,275 |
| Net charge-offs to loans | -0.0040% | 3,796 |
| Credit loss provision to net charge-offs | -12,375.0000% | 3,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0080% | 3,615 |
| Assets per employee ($millions) | 7.2311% | 986 |
| Cash dividends to net income (ytd only)* | 31.8269% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4318% | 1,579 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1182% | 4,035 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 54.2084% | 3,972 |
| Net loans and leases to deposits | 64.3405% | 3,960 |
| Net loans and leases to core deposits | 69.3101% | 3,921 |
| Total domestic deposits to total assets | 84.2524% | 2,693 |
| Equity capital to assets | 12.2284% | 1,899 |
| Core capital (leverage) ratio | 9.4964% | 3,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $718,423,500 | 1,088 |
| Average earning assets | $656,877,500 | 1,099 |
| Average equity | $85,560,000 | 1,076 |
| Average total loans | $396,250,500 | 1,299 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0133% | 4,231 |
| Cost of funding earning assets | 0.3848% | 4,494 |
| Net interest margin | 3.6286% | 3,045 |
| Noninterest income to average assets | 0.2222% | 4,337 |
| Noninterest expense to average assets | 2.2828% | 3,984 |
| Loan and lease loss provision to assets | 0.0940% | 2,156 |
| Net operating income to assets | 0.8502% | 3,390 |
| Return on assets (ROA) | 0.8631% | 3,439 |
| Pretax return on assets | 1.1673% | 2,958 |
| Return on Equity (ROE) | 7.5430% | 3,348 |
| Retained earnings to average equity (ytd only) | 5.6697% | 2,043 |
| Net charge-offs to loans | -0.0239% | 4,663 |
| Credit loss provision to net charge-offs | -767.4419% | 4,485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7099% | 2,975 |
| Assets per employee ($millions) | 7.0683% | 1,017 |
| Cash dividends to net income (ytd only)* | 24.8350% | 3,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2884% | 1,978 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1173% | 4,051 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 54.6015% | 4,040 |
| Net loans and leases to deposits | 65.0505% | 4,003 |
| Net loans and leases to core deposits | 70.4294% | 3,940 |
| Total domestic deposits to total assets | 83.9371% | 2,863 |
| Equity capital to assets | 11.5927% | 2,437 |
| Core capital (leverage) ratio | 9.2476% | 4,322 |
| Tier 1 risk-based capital ratio | 14.9124% | 2,815 |
| Total risk-based capital ratio | 16.1056% | 2,771 |
| Memoranda: | ||
| Average total assets | $702,115,600 | 1,067 |
| Average earning assets | $639,620,600 | 1,080 |
| Average equity | $80,339,400 | 1,091 |
| Average total loans | $360,109,800 | 1,382 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9821% | 4,398 |
| Cost of funding earning assets | 0.3902% | 4,533 |
| Net interest margin | 3.5920% | 3,272 |
| Noninterest income to average assets | 0.2380% | 4,312 |
| Noninterest expense to average assets | 2.2871% | 3,985 |
| Loan and lease loss provision to assets | 0.0918% | 2,072 |
| Net operating income to assets | 0.8327% | 3,566 |
| Return on assets (ROA) | 0.8439% | 3,620 |
| Pretax return on assets | 1.1435% | 3,155 |
| Return on Equity (ROE) | 7.4000% | 3,549 |
| Retained earnings to average equity (ytd only) | 5.7152% | 2,501 |
| Net charge-offs to loans | -0.0308% | 4,706 |
| Credit loss provision to net charge-offs | -592.5926% | 4,354 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1935% | 2,827 |
| Assets per employee ($millions) | 6.9398% | 1,043 |
| Cash dividends to net income (ytd only)* | 22.7685% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3212% | 1,880 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1326% | 4,064 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 51.2538% | 4,355 |
| Net loans and leases to deposits | 60.3502% | 4,366 |
| Net loans and leases to core deposits | 66.6103% | 4,237 |
| Total domestic deposits to total assets | 84.9273% | 2,448 |
| Equity capital to assets | 11.5684% | 2,614 |
| Core capital (leverage) ratio | 9.3107% | 4,358 |
| Tier 1 risk-based capital ratio | 15.5467% | 2,623 |
| Total risk-based capital ratio | 16.7689% | 2,573 |
| Memoranda: | ||
| Average total assets | $697,401,750 | 1,073 |
| Average earning assets | $634,919,250 | 1,088 |
| Average equity | $79,529,250 | 1,092 |
| Average total loans | $350,437,500 | 1,431 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9630% | 4,453 |
| Cost of funding earning assets | 0.3932% | 4,539 |
| Net interest margin | 3.5698% | 3,366 |
| Noninterest income to average assets | 0.2373% | 4,337 |
| Noninterest expense to average assets | 2.3346% | 3,914 |
| Loan and lease loss provision to assets | 0.1045% | 1,793 |
| Net operating income to assets | 0.7703% | 3,752 |
| Return on assets (ROA) | 0.7852% | 3,765 |
| Pretax return on assets | 1.0602% | 3,351 |
| Return on Equity (ROE) | 6.9200% | 3,707 |
| Retained earnings to average equity (ytd only) | 5.4112% | 2,569 |
| Net charge-offs to loans | -0.0053% | 4,133 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0779% | 2,673 |
| Assets per employee ($millions) | 6.6336% | 1,171 |
| Cash dividends to net income (ytd only)* | 21.8034% | 2,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3105% | 1,971 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1387% | 4,069 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 51.9683% | 4,356 |
| Net loans and leases to deposits | 61.6809% | 4,345 |
| Net loans and leases to core deposits | 68.6657% | 4,180 |
| Total domestic deposits to total assets | 84.2534% | 2,766 |
| Equity capital to assets | 11.8084% | 2,335 |
| Core capital (leverage) ratio | 9.3267% | 4,339 |
| Tier 1 risk-based capital ratio | 15.6997% | 2,549 |
| Total risk-based capital ratio | 16.9125% | 2,491 |
| Memoranda: | ||
| Average total assets | $689,288,000 | 1,084 |
| Average earning assets | $626,191,670 | 1,104 |
| Average equity | $78,207,670 | 1,105 |
| Average total loans | $342,292,000 | 1,464 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9181% | 4,521 |
| Cost of funding earning assets | 0.3725% | 4,597 |
| Net interest margin | 3.5456% | 3,444 |
| Noninterest income to average assets | 0.2311% | 4,358 |
| Noninterest expense to average assets | 2.3646% | 3,862 |
| Loan and lease loss provision to assets | 0.1045% | 1,695 |
| Net operating income to assets | 0.7266% | 3,854 |
| Return on assets (ROA) | 0.7431% | 3,844 |
| Pretax return on assets | 1.0044% | 3,421 |
| Return on Equity (ROE) | 6.6859% | 3,777 |
| Retained earnings to average equity (ytd only) | 5.1555% | 2,836 |
| Net charge-offs to loans | -0.0060% | 4,072 |
| Credit loss provision to net charge-offs | -3,600.0000% | 4,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4883% | 2,568 |
| Assets per employee ($millions) | 6.6948% | 1,143 |
| Cash dividends to net income (ytd only)* | 22.8906% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3439% | 1,897 |
| Loan loss allowance to noncurrent loans | 18,308.0000% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.1424% | 4,091 |
| Noncurrent loans to loans | 0.0073% | 4,764 |
| Net loans and leases to total assets | 48.7260% | 4,542 |
| Net loans and leases to deposits | 58.6878% | 4,469 |
| Net loans and leases to core deposits | 65.2290% | 4,312 |
| Total domestic deposits to total assets | 83.0258% | 3,374 |
| Equity capital to assets | 11.3128% | 2,548 |
| Core capital (leverage) ratio | 9.1913% | 4,481 |
| Tier 1 risk-based capital ratio | 15.9403% | 2,463 |
| Total risk-based capital ratio | 17.1478% | 2,418 |
| Memoranda: | ||
| Average total assets | $688,987,000 | 1,093 |
| Average earning assets | $626,013,000 | 1,106 |
| Average equity | $76,579,000 | 1,119 |
| Average total loans | $331,795,500 | 1,514 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6112% | 4,785 |
| Cost of funding earning assets | 0.2591% | 4,763 |
| Net interest margin | 3.3520% | 4,122 |
| Noninterest income to average assets | 0.2307% | 4,529 |
| Noninterest expense to average assets | 2.1943% | 4,353 |
| Loan and lease loss provision to assets | 0.0258% | 3,656 |
| Net operating income to assets | 0.7952% | 3,823 |
| Return on assets (ROA) | 0.7988% | 3,814 |
| Pretax return on assets | 1.0647% | 3,393 |
| Return on Equity (ROE) | 7.3686% | 3,703 |
| Retained earnings to average equity (ytd only) | 0.7671% | 4,784 |
| Net charge-offs to loans | 0.0842% | 1,939 |
| Credit loss provision to net charge-offs | 67.0498% | 3,028 |
| Earnings coverage of net charge-offs (x) | 28.1686% | 1,659 |
| Efficiency ratio | 66.8948% | 2,730 |
| Assets per employee ($millions) | 6.8159% | 1,062 |
| Cash dividends to net income (ytd only)* | 89.5895% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3597% | 1,795 |
| Loan loss allowance to noncurrent loans | 16,266.6667% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.1429% | 4,113 |
| Noncurrent loans to loans | 0.0084% | 4,780 |
| Net loans and leases to total assets | 46.2842% | 4,726 |
| Net loans and leases to deposits | 53.9173% | 4,753 |
| Net loans and leases to core deposits | 59.6761% | 4,645 |
| Total domestic deposits to total assets | 85.8430% | 2,306 |
| Equity capital to assets | 10.9163% | 2,773 |
| Core capital (leverage) ratio | 9.0010% | 4,654 |
| Tier 1 risk-based capital ratio | 16.3529% | 2,285 |
| Total risk-based capital ratio | 17.6029% | 2,228 |
| Memoranda: | ||
| Average total assets | $677,018,600 | 1,084 |
| Average earning assets | $615,923,000 | 1,093 |
| Average equity | $73,393,000 | 1,109 |
| Average total loans | $309,876,800 | 1,560 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5282% | 4,905 |
| Cost of funding earning assets | 0.2426% | 4,829 |
| Net interest margin | 3.2856% | 4,320 |
| Noninterest income to average assets | 0.2328% | 4,579 |
| Noninterest expense to average assets | 2.1189% | 4,506 |
| Loan and lease loss provision to assets | 0.0099% | 3,792 |
| Net operating income to assets | 0.8170% | 3,853 |
| Return on assets (ROA) | 0.8199% | 3,853 |
| Pretax return on assets | 1.0968% | 3,418 |
| Return on Equity (ROE) | 7.5772% | 3,720 |
| Retained earnings to average equity (ytd only) | -0.7383% | 5,117 |
| Net charge-offs to loans | 0.0852% | 1,657 |
| Credit loss provision to net charge-offs | 25.5102% | 2,989 |
| Earnings coverage of net charge-offs (x) | 28.4537% | 1,662 |
| Efficiency ratio | 65.7664% | 2,910 |
| Assets per employee ($millions) | 6.7015% | 1,087 |
| Cash dividends to net income (ytd only)* | 109.7445% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3771% | 1,793 |
| Loan loss allowance to noncurrent loans | 1,152.1277% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.1995% | 3,950 |
| Noncurrent loans to loans | 0.1195% | 4,358 |
| Net loans and leases to total assets | 46.2958% | 4,788 |
| Net loans and leases to deposits | 53.8727% | 4,826 |
| Net loans and leases to core deposits | 58.4648% | 4,757 |
| Total domestic deposits to total assets | 85.9356% | 2,230 |
| Equity capital to assets | 10.7455% | 2,900 |
| Core capital (leverage) ratio | 9.0401% | 4,670 |
| Tier 1 risk-based capital ratio | 16.7013% | 2,208 |
| Total risk-based capital ratio | 17.8571% | 2,185 |
| Memoranda: | ||
| Average total assets | $674,171,250 | 1,088 |
| Average earning assets | $613,325,250 | 1,096 |
| Average equity | $72,954,000 | 1,116 |
| Average total loans | $306,592,000 | 1,574 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4362% | 4,992 |
| Cost of funding earning assets | 0.2300% | 4,858 |
| Net interest margin | 3.2063% | 4,484 |
| Noninterest income to average assets | 0.2342% | 4,615 |
| Noninterest expense to average assets | 2.0337% | 4,738 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8472% | 3,689 |
| Return on assets (ROA) | 0.8497% | 3,679 |
| Pretax return on assets | 1.1221% | 3,224 |
| Return on Equity (ROE) | 7.8342% | 3,578 |
| Retained earnings to average equity (ytd only) | -3.7943% | 5,244 |
| Net charge-offs to loans | -0.0092% | 4,296 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5098% | 3,244 |
| Assets per employee ($millions) | 6.7566% | 1,034 |
| Cash dividends to net income (ytd only)* | 148.4321% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5225% | 1,324 |
| Loan loss allowance to noncurrent loans | 231.0700% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.4300% | 3,004 |
| Noncurrent loans to loans | 0.6589% | 2,462 |
| Net loans and leases to total assets | 43.0021% | 4,951 |
| Net loans and leases to deposits | 49.9570% | 4,982 |
| Net loans and leases to core deposits | 54.0020% | 4,935 |
| Total domestic deposits to total assets | 86.0783% | 2,245 |
| Equity capital to assets | 10.6674% | 2,960 |
| Core capital (leverage) ratio | 8.7725% | 4,908 |
| Tier 1 risk-based capital ratio | 17.4954% | 1,942 |
| Total risk-based capital ratio | 18.7549% | 1,892 |
| Memoranda: | ||
| Average total assets | $675,511,330 | 1,089 |
| Average earning assets | $614,858,000 | 1,097 |
| Average equity | $73,268,330 | 1,111 |
| Average total loans | $303,928,000 | 1,579 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2919% | 5,151 |
| Cost of funding earning assets | 0.2138% | 4,934 |
| Net interest margin | 3.0781% | 4,744 |
| Noninterest income to average assets | 0.2339% | 4,611 |
| Noninterest expense to average assets | 1.8974% | 5,024 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8719% | 3,410 |
| Return on assets (ROA) | 0.8723% | 3,425 |
| Pretax return on assets | 1.1424% | 2,997 |
| Return on Equity (ROE) | 7.9767% | 3,383 |
| Retained earnings to average equity (ytd only) | -13.4678% | 5,430 |
| Net charge-offs to loans | -0.0130% | 4,362 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4318% | 3,711 |
| Assets per employee ($millions) | 7.8066% | 676 |
| Cash dividends to net income (ytd only)* | 268.8391% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4785% | 1,539 |
| Loan loss allowance to noncurrent loans | 241.9407% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.4053% | 3,203 |
| Noncurrent loans to loans | 0.6111% | 2,710 |
| Net loans and leases to total assets | 43.0441% | 4,942 |
| Net loans and leases to deposits | 49.7999% | 4,968 |
| Net loans and leases to core deposits | 53.9425% | 4,916 |
| Total domestic deposits to total assets | 86.4342% | 2,347 |
| Equity capital to assets | 10.3182% | 3,257 |
| Core capital (leverage) ratio | 8.6076% | 5,057 |
| Tier 1 risk-based capital ratio | 16.8575% | 2,157 |
| Total risk-based capital ratio | 17.9419% | 2,160 |
| Memoranda: | ||
| Average total assets | $675,438,500 | 1,099 |
| Average earning assets | $615,572,500 | 1,110 |
| Average equity | $73,865,000 | 1,112 |
| Average total loans | $308,372,500 | 1,568 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4446% | 4,872 |
| Cost of funding earning assets | 0.1790% | 5,098 |
| Net interest margin | 3.2656% | 4,268 |
| Noninterest income to average assets | 0.2361% | 4,721 |
| Noninterest expense to average assets | 2.0690% | 4,839 |
| Loan and lease loss provision to assets | 0.0689% | 2,822 |
| Net operating income to assets | 0.5300% | 4,293 |
| Return on assets (ROA) | 0.5458% | 4,267 |
| Pretax return on assets | 1.0875% | 3,233 |
| Return on Equity (ROE) | 4.3652% | 4,390 |
| Retained earnings to average equity (ytd only) | -9.2560% | 5,518 |
| Net charge-offs to loans | 0.2467% | 1,054 |
| Credit loss provision to net charge-offs | 56.6751% | 3,254 |
| Earnings coverage of net charge-offs (x) | 9.3048% | 2,808 |
| Efficiency ratio | 64.6406% | 3,507 |
| Assets per employee ($millions) | 7.2098% | 882 |
| Cash dividends to net income (ytd only)* | 312.0404% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4298% | 1,653 |
| Loan loss allowance to noncurrent loans | 236.6808% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.4349% | 3,127 |
| Noncurrent loans to loans | 0.6041% | 2,719 |
| Net loans and leases to total assets | 47.0536% | 4,826 |
| Net loans and leases to deposits | 55.3554% | 4,833 |
| Net loans and leases to core deposits | 60.3112% | 4,742 |
| Total domestic deposits to total assets | 85.0028% | 2,833 |
| Equity capital to assets | 11.5899% | 2,123 |
| Core capital (leverage) ratio | 9.3119% | 4,277 |
| Tier 1 risk-based capital ratio | 17.7363% | 1,882 |
| Total risk-based capital ratio | 18.9847% | 1,826 |
| Memoranda: | ||
| Average total assets | $652,778,400 | 1,115 |
| Average earning assets | $592,641,200 | 1,126 |
| Average equity | $81,622,600 | 995 |
| Average total loans | $321,805,800 | 1,477 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4360% | 4,915 |
| Cost of funding earning assets | 0.1741% | 5,170 |
| Net interest margin | 3.2619% | 4,288 |
| Noninterest income to average assets | 0.2364% | 4,793 |
| Noninterest expense to average assets | 1.9839% | 4,987 |
| Loan and lease loss provision to assets | 0.0614% | 2,846 |
| Net operating income to assets | 0.7678% | 3,654 |
| Return on assets (ROA) | 0.7898% | 3,617 |
| Pretax return on assets | 1.1859% | 2,961 |
| Return on Equity (ROE) | 6.2025% | 4,031 |
| Retained earnings to average equity (ytd only) | -3.4289% | 5,505 |
| Net charge-offs to loans | 0.2350% | 913 |
| Credit loss provision to net charge-offs | 52.5394% | 2,884 |
| Earnings coverage of net charge-offs (x) | 10.3994% | 2,598 |
| Efficiency ratio | 62.0308% | 3,876 |
| Assets per employee ($millions) | 6.7614% | 1,043 |
| Cash dividends to net income (ytd only)* | 155.2824% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3922% | 1,922 |
| Loan loss allowance to noncurrent loans | 196.4178% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 0.4998% | 3,071 |
| Noncurrent loans to loans | 0.7088% | 2,585 |
| Net loans and leases to total assets | 49.1486% | 4,759 |
| Net loans and leases to deposits | 58.4711% | 4,722 |
| Net loans and leases to core deposits | 63.7518% | 4,614 |
| Total domestic deposits to total assets | 84.0562% | 3,106 |
| Equity capital to assets | 12.5758% | 1,619 |
| Core capital (leverage) ratio | 10.3607% | 3,123 |
| Tier 1 risk-based capital ratio | 18.6639% | 1,689 |
| Total risk-based capital ratio | 19.9149% | 1,635 |
| Memoranda: | ||
| Average total assets | $651,951,000 | 1,121 |
| Average earning assets | $591,988,500 | 1,131 |
| Average equity | $83,018,250 | 980 |
| Average total loans | $323,959,500 | 1,474 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4444% | 4,894 |
| Cost of funding earning assets | 0.1672% | 5,228 |
| Net interest margin | 3.2772% | 4,186 |
| Noninterest income to average assets | 0.2351% | 4,832 |
| Noninterest expense to average assets | 2.0045% | 4,969 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7847% | 3,465 |
| Return on assets (ROA) | 0.8130% | 3,395 |
| Pretax return on assets | 1.2498% | 2,579 |
| Return on Equity (ROE) | 6.3583% | 3,888 |
| Retained earnings to average equity (ytd only) | -7.2862% | 5,595 |
| Net charge-offs to loans | -0.0365% | 5,039 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4318% | 3,916 |
| Assets per employee ($millions) | 7.1307% | 877 |
| Cash dividends to net income (ytd only)* | 214.5936% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5203% | 1,515 |
| Loan loss allowance to noncurrent loans | 40,675.0000% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.2119% | 4,314 |
| Noncurrent loans to loans | 0.0037% | 5,186 |
| Net loans and leases to total assets | 49.2662% | 4,746 |
| Net loans and leases to deposits | 58.7523% | 4,716 |
| Net loans and leases to core deposits | 64.1718% | 4,590 |
| Total domestic deposits to total assets | 83.8541% | 3,258 |
| Equity capital to assets | 12.7478% | 1,496 |
| Core capital (leverage) ratio | 10.2407% | 3,219 |
| Tier 1 risk-based capital ratio | 18.3648% | 1,758 |
| Total risk-based capital ratio | 19.6170% | 1,719 |
| Memoranda: | ||
| Average total assets | $650,650,000 | 1,123 |
| Average earning assets | $590,751,330 | 1,137 |
| Average equity | $83,198,000 | 984 |
| Average total loans | $322,981,330 | 1,484 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3951% | 4,931 |
| Cost of funding earning assets | 0.1626% | 5,287 |
| Net interest margin | 3.2324% | 4,237 |
| Noninterest income to average assets | 0.2369% | 4,844 |
| Noninterest expense to average assets | 2.0034% | 5,044 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7630% | 3,412 |
| Return on assets (ROA) | 0.7852% | 3,341 |
| Pretax return on assets | 1.2047% | 2,579 |
| Return on Equity (ROE) | 6.1317% | 3,844 |
| Retained earnings to average equity (ytd only) | -4.8348% | 5,375 |
| Net charge-offs to loans | -0.0136% | 4,546 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1204% | 3,967 |
| Assets per employee ($millions) | 7.0859% | 911 |
| Cash dividends to net income (ytd only)* | 178.8491% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5151% | 1,644 |
| Loan loss allowance to noncurrent loans | 28,429.4118% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.2071% | 4,407 |
| Noncurrent loans to loans | 0.0053% | 5,245 |
| Net loans and leases to total assets | 47.6731% | 4,851 |
| Net loans and leases to deposits | 57.0133% | 4,757 |
| Net loans and leases to core deposits | 62.2292% | 4,641 |
| Total domestic deposits to total assets | 83.6176% | 3,615 |
| Equity capital to assets | 12.6786% | 1,419 |
| Core capital (leverage) ratio | 10.4593% | 2,948 |
| Tier 1 risk-based capital ratio | 18.8279% | 1,648 |
| Total risk-based capital ratio | 20.0797% | 1,609 |
| Memoranda: | ||
| Average total assets | $655,095,500 | 1,117 |
| Average earning assets | $595,217,000 | 1,133 |
| Average equity | $83,892,000 | 973 |
| Average total loans | $323,946,500 | 1,490 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6460% | 4,381 |
| Cost of funding earning assets | 0.1569% | 5,374 |
| Net interest margin | 3.4892% | 3,477 |
| Noninterest income to average assets | 0.2679% | 4,809 |
| Noninterest expense to average assets | 2.0729% | 5,044 |
| Loan and lease loss provision to assets | -0.2105% | 5,790 |
| Net operating income to assets | 1.0242% | 2,242 |
| Return on assets (ROA) | 1.0562% | 2,213 |
| Pretax return on assets | 1.6245% | 1,208 |
| Return on Equity (ROE) | 7.9297% | 2,978 |
| Retained earnings to average equity (ytd only) | -1.0934% | 5,454 |
| Net charge-offs to loans | -0.3844% | 5,813 |
| Credit loss provision to net charge-offs | 112.8463% | 2,331 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2988% | 4,538 |
| Assets per employee ($millions) | 6.7135% | 1,047 |
| Cash dividends to net income (ytd only)* | 113.7880% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4661% | 1,809 |
| Loan loss allowance to noncurrent loans | 25,378.9474% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.2099% | 4,475 |
| Noncurrent loans to loans | 0.0058% | 5,292 |
| Net loans and leases to total assets | 49.7660% | 4,782 |
| Net loans and leases to deposits | 59.4445% | 4,714 |
| Net loans and leases to core deposits | 64.9011% | 4,582 |
| Total domestic deposits to total assets | 83.7185% | 3,531 |
| Equity capital to assets | 12.9351% | 1,283 |
| Core capital (leverage) ratio | 10.5613% | 2,821 |
| Tier 1 risk-based capital ratio | 18.9333% | 1,619 |
| Total risk-based capital ratio | 20.1848% | 1,583 |
| Memoranda: | ||
| Average total assets | $638,614,600 | 1,106 |
| Average earning assets | $580,165,000 | 1,121 |
| Average equity | $85,059,600 | 934 |
| Average total loans | $309,794,000 | 1,478 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6516% | 4,400 |
| Cost of funding earning assets | 0.1566% | 5,435 |
| Net interest margin | 3.4950% | 3,488 |
| Noninterest income to average assets | 0.2241% | 5,130 |
| Noninterest expense to average assets | 2.0925% | 5,019 |
| Loan and lease loss provision to assets | -0.1402% | 5,832 |
| Net operating income to assets | 0.9533% | 2,634 |
| Return on assets (ROA) | 0.9968% | 2,587 |
| Pretax return on assets | 1.5123% | 1,672 |
| Return on Equity (ROE) | 7.4291% | 3,337 |
| Retained earnings to average equity (ytd only) | -4.5722% | 5,721 |
| Net charge-offs to loans | -0.2955% | 5,835 |
| Credit loss provision to net charge-offs | 98.8166% | 2,402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5655% | 4,302 |
| Assets per employee ($millions) | 6.6065% | 1,043 |
| Cash dividends to net income (ytd only)* | 161.5449% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5656% | 1,581 |
| Loan loss allowance to noncurrent loans | 640.4884% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.2188% | 4,557 |
| Noncurrent loans to loans | 0.2444% | 4,395 |
| Net loans and leases to total assets | 47.9023% | 4,964 |
| Net loans and leases to deposits | 57.3396% | 4,913 |
| Net loans and leases to core deposits | 62.5454% | 4,803 |
| Total domestic deposits to total assets | 83.5415% | 3,378 |
| Equity capital to assets | 12.9957% | 1,492 |
| Core capital (leverage) ratio | 10.5974% | 2,879 |
| Tier 1 risk-based capital ratio | 18.1310% | 1,880 |
| Total risk-based capital ratio | 19.3828% | 1,848 |
| Memoranda: | ||
| Average total assets | $635,467,000 | 1,113 |
| Average earning assets | $577,232,750 | 1,129 |
| Average equity | $85,266,000 | 937 |
| Average total loans | $305,017,250 | 1,502 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6795% | 4,361 |
| Cost of funding earning assets | 0.1594% | 5,484 |
| Net interest margin | 3.5201% | 3,410 |
| Noninterest income to average assets | 0.2018% | 5,286 |
| Noninterest expense to average assets | 2.1294% | 4,992 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8479% | 3,107 |
| Return on assets (ROA) | 0.9077% | 2,957 |
| Pretax return on assets | 1.3558% | 2,187 |
| Return on Equity (ROE) | 6.6920% | 3,700 |
| Retained earnings to average equity (ytd only) | -11.2916% | 5,895 |
| Net charge-offs to loans | -0.1045% | 5,641 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7047% | 4,229 |
| Assets per employee ($millions) | 6.4634% | 1,104 |
| Cash dividends to net income (ytd only)* | 268.7325% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6539% | 1,392 |
| Loan loss allowance to noncurrent loans | 486.4455% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.3112% | 4,261 |
| Noncurrent loans to loans | 0.3400% | 4,145 |
| Net loans and leases to total assets | 48.6729% | 4,931 |
| Net loans and leases to deposits | 57.9898% | 4,902 |
| Net loans and leases to core deposits | 63.4697% | 4,780 |
| Total domestic deposits to total assets | 83.9337% | 3,291 |
| Equity capital to assets | 13.3741% | 1,295 |
| Core capital (leverage) ratio | 10.4535% | 3,020 |
| Tier 1 risk-based capital ratio | 17.6368% | 2,037 |
| Total risk-based capital ratio | 18.8893% | 1,997 |
| Memoranda: | ||
| Average total assets | $629,276,330 | 1,130 |
| Average earning assets | $571,007,670 | 1,141 |
| Average equity | $85,355,670 | 931 |
| Average total loans | $300,595,330 | 1,519 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6986% | 4,332 |
| Cost of funding earning assets | 0.1640% | 5,518 |
| Net interest margin | 3.5345% | 3,342 |
| Noninterest income to average assets | 0.1516% | 5,582 |
| Noninterest expense to average assets | 2.1579% | 5,007 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8072% | 3,203 |
| Return on assets (ROA) | 0.9289% | 2,712 |
| Pretax return on assets | 1.3717% | 1,994 |
| Return on Equity (ROE) | 6.8007% | 3,557 |
| Retained earnings to average equity (ytd only) | -11.1998% | 5,844 |
| Net charge-offs to loans | -0.1447% | 5,761 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4007% | 4,058 |
| Assets per employee ($millions) | 6.3911% | 1,171 |
| Cash dividends to net income (ytd only)* | 264.6858% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7092% | 1,341 |
| Loan loss allowance to noncurrent loans | 322.2575% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.3948% | 4,010 |
| Noncurrent loans to loans | 0.5304% | 3,594 |
| Net loans and leases to total assets | 46.6615% | 5,074 |
| Net loans and leases to deposits | 55.7802% | 5,002 |
| Net loans and leases to core deposits | 61.1306% | 4,865 |
| Total domestic deposits to total assets | 83.6525% | 3,657 |
| Equity capital to assets | 13.6853% | 1,095 |
| Core capital (leverage) ratio | 10.6663% | 2,778 |
| Tier 1 risk-based capital ratio | 18.7000% | 1,803 |
| Total risk-based capital ratio | 19.9529% | 1,761 |
| Memoranda: | ||
| Average total assets | $630,438,500 | 1,124 |
| Average earning assets | $570,599,000 | 1,139 |
| Average equity | $86,109,000 | 922 |
| Average total loans | $295,749,000 | 1,534 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7130% | 4,334 |
| Cost of funding earning assets | 0.1702% | 5,535 |
| Net interest margin | 3.5428% | 3,361 |
| Noninterest income to average assets | 0.2878% | 4,832 |
| Noninterest expense to average assets | 2.1791% | 5,093 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8783% | 2,984 |
| Return on assets (ROA) | 0.9050% | 2,926 |
| Pretax return on assets | 1.3750% | 1,998 |
| Return on Equity (ROE) | 6.3811% | 3,852 |
| Retained earnings to average equity (ytd only) | -2.6000% | 5,790 |
| Net charge-offs to loans | 0.1165% | 2,210 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 25.3896% | 1,630 |
| Efficiency ratio | 62.0182% | 4,599 |
| Assets per employee ($millions) | 6.3455% | 1,169 |
| Cash dividends to net income (ytd only)* | 140.7447% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6912% | 1,373 |
| Loan loss allowance to noncurrent loans | 302.7998% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.8185% | 2,628 |
| Noncurrent loans to loans | 0.5585% | 3,495 |
| Net loans and leases to total assets | 45.5736% | 5,189 |
| Net loans and leases to deposits | 54.4528% | 5,135 |
| Net loans and leases to core deposits | 59.6262% | 5,006 |
| Total domestic deposits to total assets | 83.6938% | 3,591 |
| Equity capital to assets | 13.6322% | 1,068 |
| Core capital (leverage) ratio | 11.0381% | 2,366 |
| Tier 1 risk-based capital ratio | 19.0717% | 1,691 |
| Total risk-based capital ratio | 20.3239% | 1,644 |
| Memoranda: | ||
| Average total assets | $620,204,200 | 1,101 |
| Average earning assets | $564,718,400 | 1,110 |
| Average equity | $87,962,800 | 867 |
| Average total loans | $279,900,000 | 1,561 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7124% | 4,381 |
| Cost of funding earning assets | 0.1737% | 5,597 |
| Net interest margin | 3.5387% | 3,393 |
| Noninterest income to average assets | 0.2872% | 4,894 |
| Noninterest expense to average assets | 2.2060% | 5,037 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8467% | 3,187 |
| Return on assets (ROA) | 0.8820% | 3,115 |
| Pretax return on assets | 1.3596% | 2,179 |
| Return on Equity (ROE) | 6.1572% | 4,085 |
| Retained earnings to average equity (ytd only) | -5.7330% | 6,051 |
| Net charge-offs to loans | 0.1795% | 1,404 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 16.2284% | 2,131 |
| Efficiency ratio | 62.8241% | 4,436 |
| Assets per employee ($millions) | 6.3145% | 1,172 |
| Cash dividends to net income (ytd only)* | 193.1110% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6725% | 1,547 |
| Loan loss allowance to noncurrent loans | 255.1242% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.9139% | 2,579 |
| Noncurrent loans to loans | 0.6556% | 3,361 |
| Net loans and leases to total assets | 46.3538% | 5,207 |
| Net loans and leases to deposits | 55.5708% | 5,148 |
| Net loans and leases to core deposits | 61.0639% | 4,998 |
| Total domestic deposits to total assets | 83.4140% | 3,649 |
| Equity capital to assets | 13.8661% | 1,080 |
| Core capital (leverage) ratio | 10.8921% | 2,597 |
| Tier 1 risk-based capital ratio | 18.7432% | 1,837 |
| Total risk-based capital ratio | 19.9953% | 1,802 |
| Memoranda: | ||
| Average total assets | $616,618,000 | 1,109 |
| Average earning assets | $561,815,750 | 1,116 |
| Average equity | $88,327,750 | 872 |
| Average total loans | $276,334,500 | 1,590 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6378% | 4,614 |
| Cost of funding earning assets | 0.1754% | 5,651 |
| Net interest margin | 3.4624% | 3,652 |
| Noninterest income to average assets | 0.2760% | 4,977 |
| Noninterest expense to average assets | 2.2425% | 5,000 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7779% | 3,499 |
| Return on assets (ROA) | 0.8241% | 3,364 |
| Pretax return on assets | 1.2630% | 2,494 |
| Return on Equity (ROE) | 5.6911% | 4,283 |
| Retained earnings to average equity (ytd only) | -3.2540% | 5,935 |
| Net charge-offs to loans | -0.0429% | 5,486 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2941% | 4,130 |
| Assets per employee ($millions) | 6.1132% | 1,271 |
| Cash dividends to net income (ytd only)* | 157.1767% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9091% | 1,145 |
| Loan loss allowance to noncurrent loans | 218.3782% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 1.0098% | 2,503 |
| Noncurrent loans to loans | 0.8742% | 2,944 |
| Net loans and leases to total assets | 44.5959% | 5,345 |
| Net loans and leases to deposits | 53.7637% | 5,271 |
| Net loans and leases to core deposits | 59.3267% | 5,116 |
| Total domestic deposits to total assets | 82.9481% | 3,975 |
| Equity capital to assets | 14.3416% | 868 |
| Core capital (leverage) ratio | 11.5707% | 1,948 |
| Tier 1 risk-based capital ratio | 19.7451% | 1,611 |
| Total risk-based capital ratio | 20.9988% | 1,568 |
| Memoranda: | ||
| Average total assets | $613,779,000 | 1,125 |
| Average earning assets | $559,894,670 | 1,124 |
| Average equity | $88,876,330 | 868 |
| Average total loans | $270,211,670 | 1,628 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5035% | 4,954 |
| Cost of funding earning assets | 0.1772% | 5,701 |
| Net interest margin | 3.3262% | 4,106 |
| Noninterest income to average assets | 0.2392% | 5,258 |
| Noninterest expense to average assets | 2.3505% | 4,737 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6162% | 4,212 |
| Return on assets (ROA) | 0.6883% | 3,981 |
| Pretax return on assets | 1.0400% | 3,344 |
| Return on Equity (ROE) | 4.7305% | 4,647 |
| Retained earnings to average equity (ytd only) | -13.1268% | 6,200 |
| Net charge-offs to loans | -0.0106% | 4,741 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6335% | 3,232 |
| Assets per employee ($millions) | 5.9999% | 1,403 |
| Cash dividends to net income (ytd only)* | 377.4929% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9924% | 1,096 |
| Loan loss allowance to noncurrent loans | 308.2462% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.8980% | 2,842 |
| Noncurrent loans to loans | 0.6464% | 3,659 |
| Net loans and leases to total assets | 43.0863% | 5,420 |
| Net loans and leases to deposits | 52.0868% | 5,328 |
| Net loans and leases to core deposits | 57.6451% | 5,146 |
| Total domestic deposits to total assets | 82.7203% | 4,265 |
| Equity capital to assets | 14.5498% | 819 |
| Core capital (leverage) ratio | 11.4281% | 2,060 |
| Tier 1 risk-based capital ratio | 20.2194% | 1,569 |
| Total risk-based capital ratio | 21.4739% | 1,539 |
| Memoranda: | ||
| Average total assets | $611,952,000 | 1,131 |
| Average earning assets | $559,673,500 | 1,129 |
| Average equity | $89,039,500 | 867 |
| Average total loans | $264,963,000 | 1,654 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6431% | 4,956 |
| Cost of funding earning assets | 0.2131% | 5,642 |
| Net interest margin | 3.4299% | 4,067 |
| Noninterest income to average assets | 0.3523% | 4,587 |
| Noninterest expense to average assets | 2.3868% | 4,880 |
| Loan and lease loss provision to assets | -0.0894% | 6,128 |
| Net operating income to assets | 0.7548% | 3,602 |
| Return on assets (ROA) | 0.7772% | 3,576 |
| Pretax return on assets | 1.1954% | 2,672 |
| Return on Equity (ROE) | 5.3531% | 4,486 |
| Retained earnings to average equity (ytd only) | 0.5156% | 5,540 |
| Net charge-offs to loans | -0.1927% | 6,257 |
| Credit loss provision to net charge-offs | 109.0726% | 2,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0143% | 3,710 |
| Assets per employee ($millions) | 5.8293% | 1,502 |
| Cash dividends to net income (ytd only)* | 90.3679% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0116% | 1,092 |
| Loan loss allowance to noncurrent loans | 320.8838% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 1.0194% | 2,703 |
| Noncurrent loans to loans | 0.6269% | 3,811 |
| Net loans and leases to total assets | 41.7887% | 5,634 |
| Net loans and leases to deposits | 50.5255% | 5,557 |
| Net loans and leases to core deposits | 55.7070% | 5,403 |
| Total domestic deposits to total assets | 82.7082% | 4,180 |
| Equity capital to assets | 14.5503% | 795 |
| Core capital (leverage) ratio | 11.6453% | 1,869 |
| Tier 1 risk-based capital ratio | 21.6948% | 1,272 |
| Total risk-based capital ratio | 22.9496% | 1,247 |
| Memoranda: | ||
| Average total assets | $605,149,600 | 1,098 |
| Average earning assets | $548,029,200 | 1,101 |
| Average equity | $87,855,800 | 838 |
| Average total loans | $257,383,600 | 1,649 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6872% | 4,897 |
| Cost of funding earning assets | 0.2164% | 5,704 |
| Net interest margin | 3.4708% | 3,939 |
| Noninterest income to average assets | 0.3706% | 4,461 |
| Noninterest expense to average assets | 2.3946% | 4,846 |
| Loan and lease loss provision to assets | -0.0443% | 6,168 |
| Net operating income to assets | 0.7447% | 3,698 |
| Return on assets (ROA) | 0.7591% | 3,726 |
| Pretax return on assets | 1.1759% | 2,882 |
| Return on Equity (ROE) | 5.2314% | 4,609 |
| Retained earnings to average equity (ytd only) | -1.2563% | 6,000 |
| Net charge-offs to loans | -0.1636% | 6,262 |
| Credit loss provision to net charge-offs | 63.6943% | 2,883 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3375% | 3,797 |
| Assets per employee ($millions) | 6.0976% | 1,267 |
| Cash dividends to net income (ytd only)* | 124.0153% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1562% | 1,011 |
| Loan loss allowance to noncurrent loans | 301.4909% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 1.1386% | 2,675 |
| Noncurrent loans to loans | 0.7152% | 3,820 |
| Net loans and leases to total assets | 40.2314% | 5,799 |
| Net loans and leases to deposits | 48.5176% | 5,731 |
| Net loans and leases to core deposits | 53.3771% | 5,600 |
| Total domestic deposits to total assets | 82.9214% | 4,177 |
| Equity capital to assets | 14.3523% | 895 |
| Core capital (leverage) ratio | 11.7502% | 1,864 |
| Tier 1 risk-based capital ratio | 21.7452% | 1,300 |
| Total risk-based capital ratio | 23.0015% | 1,281 |
| Memoranda: | ||
| Average total assets | $601,959,250 | 1,108 |
| Average earning assets | $543,448,250 | 1,118 |
| Average equity | $87,342,750 | 845 |
| Average total loans | $255,850,000 | 1,661 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7385% | 4,738 |
| Cost of funding earning assets | 0.2210% | 5,739 |
| Net interest margin | 3.5174% | 3,709 |
| Noninterest income to average assets | 0.3837% | 4,377 |
| Noninterest expense to average assets | 2.4104% | 4,849 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7399% | 3,622 |
| Return on assets (ROA) | 0.7436% | 3,703 |
| Pretax return on assets | 1.1491% | 2,886 |
| Return on Equity (ROE) | 5.1061% | 4,627 |
| Retained earnings to average equity (ytd only) | -4.6647% | 6,211 |
| Net charge-offs to loans | -0.0904% | 6,112 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8255% | 4,038 |
| Assets per employee ($millions) | 5.7808% | 1,447 |
| Cash dividends to net income (ytd only)* | 191.3552% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1673% | 1,070 |
| Loan loss allowance to noncurrent loans | 362.6826% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 1.4057% | 2,330 |
| Noncurrent loans to loans | 0.5976% | 4,235 |
| Net loans and leases to total assets | 41.4089% | 5,717 |
| Net loans and leases to deposits | 50.1983% | 5,623 |
| Net loans and leases to core deposits | 55.4147% | 5,448 |
| Total domestic deposits to total assets | 82.4907% | 4,475 |
| Equity capital to assets | 14.7327% | 767 |
| Core capital (leverage) ratio | 11.7498% | 1,823 |
| Tier 1 risk-based capital ratio | 21.4369% | 1,359 |
| Total risk-based capital ratio | 22.6475% | 1,339 |
| Memoranda: | ||
| Average total assets | $597,326,000 | 1,118 |
| Average earning assets | $538,346,670 | 1,124 |
| Average equity | $86,993,670 | 843 |
| Average total loans | $256,723,670 | 1,651 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7013% | 4,848 |
| Cost of funding earning assets | 0.2252% | 5,795 |
| Net interest margin | 3.4761% | 3,798 |
| Noninterest income to average assets | 0.4232% | 4,002 |
| Noninterest expense to average assets | 2.4250% | 4,859 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7348% | 3,518 |
| Return on assets (ROA) | 0.7348% | 3,598 |
| Pretax return on assets | 1.1353% | 2,745 |
| Return on Equity (ROE) | 5.0745% | 4,511 |
| Retained earnings to average equity (ytd only) | -9.9320% | 6,357 |
| Net charge-offs to loans | -0.0417% | 5,729 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1127% | 4,162 |
| Assets per employee ($millions) | 6.0356% | 1,282 |
| Cash dividends to net income (ytd only)* | 295.7234% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0597% | 1,395 |
| Loan loss allowance to noncurrent loans | 285.3425% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 1.4090% | 2,514 |
| Noncurrent loans to loans | 0.7218% | 4,062 |
| Net loans and leases to total assets | 42.3308% | 5,637 |
| Net loans and leases to deposits | 50.9858% | 5,524 |
| Net loans and leases to core deposits | 56.3496% | 5,331 |
| Total domestic deposits to total assets | 83.0246% | 4,596 |
| Equity capital to assets | 14.2671% | 845 |
| Core capital (leverage) ratio | 11.6999% | 1,831 |
| Tier 1 risk-based capital ratio | 21.2121% | 1,431 |
| Total risk-based capital ratio | 22.4575% | 1,408 |
| Memoranda: | ||
| Average total assets | $598,276,500 | 1,125 |
| Average earning assets | $539,915,500 | 1,133 |
| Average equity | $86,629,500 | 845 |
| Average total loans | $259,075,000 | 1,640 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5695% | 5,484 |
| Cost of funding earning assets | 0.2817% | 5,752 |
| Net interest margin | 3.2878% | 4,710 |
| Noninterest income to average assets | 0.3094% | 5,120 |
| Noninterest expense to average assets | 2.4010% | 5,069 |
| Loan and lease loss provision to assets | 0.0338% | 4,443 |
| Net operating income to assets | 0.5667% | 4,426 |
| Return on assets (ROA) | 0.5709% | 4,514 |
| Pretax return on assets | 0.8215% | 4,068 |
| Return on Equity (ROE) | 3.7624% | 5,209 |
| Retained earnings to average equity (ytd only) | -2.9243% | 6,260 |
| Net charge-offs to loans | 0.2488% | 2,479 |
| Credit loss provision to net charge-offs | 31.4961% | 4,222 |
| Earnings coverage of net charge-offs (x) | 7.9087% | 2,765 |
| Efficiency ratio | 73.8723% | 3,148 |
| Assets per employee ($millions) | 5.2946% | 1,854 |
| Cash dividends to net income (ytd only)* | 177.7251% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0778% | 1,374 |
| Loan loss allowance to noncurrent loans | 270.1364% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 1.4503% | 2,571 |
| Noncurrent loans to loans | 0.7692% | 4,042 |
| Net loans and leases to total assets | 42.4860% | 5,795 |
| Net loans and leases to deposits | 52.0427% | 5,621 |
| Net loans and leases to core deposits | 57.8385% | 5,406 |
| Total domestic deposits to total assets | 81.6368% | 4,994 |
| Equity capital to assets | 14.6964% | 739 |
| Core capital (leverage) ratio | 11.9048% | 1,672 |
| Tier 1 risk-based capital ratio | 21.9840% | 1,258 |
| Total risk-based capital ratio | 23.2392% | 1,238 |
| Memoranda: | ||
| Average total assets | $591,385,000 | 1,123 |
| Average earning assets | $528,951,800 | 1,144 |
| Average equity | $89,730,000 | 785 |
| Average total loans | $255,200,600 | 1,630 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5267% | 5,622 |
| Cost of funding earning assets | 0.2888% | 5,820 |
| Net interest margin | 3.2379% | 4,865 |
| Noninterest income to average assets | 0.3154% | 5,175 |
| Noninterest expense to average assets | 2.3946% | 5,042 |
| Loan and lease loss provision to assets | 0.0451% | 4,112 |
| Net operating income to assets | 0.5413% | 4,616 |
| Return on assets (ROA) | 0.5444% | 4,746 |
| Pretax return on assets | 0.7714% | 4,413 |
| Return on Equity (ROE) | 3.5599% | 5,414 |
| Retained earnings to average equity (ytd only) | -1.8987% | 6,255 |
| Net charge-offs to loans | 0.2167% | 2,527 |
| Credit loss provision to net charge-offs | 48.3092% | 3,549 |
| Earnings coverage of net charge-offs (x) | 8.6956% | 2,588 |
| Efficiency ratio | 74.6729% | 2,954 |
| Assets per employee ($millions) | 6.0865% | 1,186 |
| Cash dividends to net income (ytd only)* | 153.3362% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1784% | 1,361 |
| Loan loss allowance to noncurrent loans | 114.8545% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 1.7377% | 2,359 |
| Noncurrent loans to loans | 1.8967% | 2,374 |
| Net loans and leases to total assets | 41.4861% | 5,936 |
| Net loans and leases to deposits | 50.8962% | 5,780 |
| Net loans and leases to core deposits | 56.5734% | 5,571 |
| Total domestic deposits to total assets | 81.5111% | 5,083 |
| Equity capital to assets | 14.7794% | 757 |
| Core capital (leverage) ratio | 12.4692% | 1,439 |
| Tier 1 risk-based capital ratio | 23.1130% | 1,125 |
| Total risk-based capital ratio | 24.3693% | 1,110 |
| Memoranda: | ||
| Average total assets | $590,982,000 | 1,138 |
| Average earning assets | $527,735,000 | 1,159 |
| Average equity | $90,375,250 | 787 |
| Average total loans | $254,679,000 | 1,633 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5114% | 5,671 |
| Cost of funding earning assets | 0.2984% | 5,839 |
| Net interest margin | 3.2130% | 4,898 |
| Noninterest income to average assets | 0.3250% | 5,103 |
| Noninterest expense to average assets | 2.4506% | 4,898 |
| Loan and lease loss provision to assets | 0.0681% | 3,682 |
| Net operating income to assets | 0.4942% | 4,823 |
| Return on assets (ROA) | 0.4950% | 4,994 |
| Pretax return on assets | 0.6755% | 4,759 |
| Return on Equity (ROE) | 3.1999% | 5,545 |
| Retained earnings to average equity (ytd only) | -4.9485% | 6,457 |
| Net charge-offs to loans | 0.2366% | 2,303 |
| Credit loss provision to net charge-offs | 66.4452% | 2,904 |
| Earnings coverage of net charge-offs (x) | 7.2425% | 2,574 |
| Efficiency ratio | 76.7442% | 2,675 |
| Assets per employee ($millions) | 5.6120% | 1,486 |
| Cash dividends to net income (ytd only)* | 254.6456% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2393% | 1,353 |
| Loan loss allowance to noncurrent loans | 105.8911% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 2.3327% | 1,846 |
| Noncurrent loans to loans | 2.1147% | 2,266 |
| Net loans and leases to total assets | 42.8988% | 5,829 |
| Net loans and leases to deposits | 52.9693% | 5,606 |
| Net loans and leases to core deposits | 59.4820% | 5,306 |
| Total domestic deposits to total assets | 80.9881% | 5,340 |
| Equity capital to assets | 15.1715% | 679 |
| Core capital (leverage) ratio | 12.4369% | 1,396 |
| Tier 1 risk-based capital ratio | 23.0366% | 1,126 |
| Total risk-based capital ratio | 24.2946% | 1,112 |
| Memoranda: | ||
| Average total assets | $587,120,000 | 1,145 |
| Average earning assets | $524,123,670 | 1,168 |
| Average equity | $90,815,000 | 782 |
| Average total loans | $254,389,000 | 1,632 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5241% | 5,648 |
| Cost of funding earning assets | 0.3084% | 5,910 |
| Net interest margin | 3.2157% | 4,869 |
| Noninterest income to average assets | 0.3766% | 4,655 |
| Noninterest expense to average assets | 2.5542% | 4,554 |
| Loan and lease loss provision to assets | 0.0676% | 3,508 |
| Net operating income to assets | 0.4827% | 4,767 |
| Return on assets (ROA) | 0.4827% | 4,922 |
| Pretax return on assets | 0.6240% | 4,861 |
| Return on Equity (ROE) | 3.0918% | 5,552 |
| Retained earnings to average equity (ytd only) | -3.4035% | 6,224 |
| Net charge-offs to loans | -0.0345% | 5,963 |
| Credit loss provision to net charge-offs | -454.5455% | 5,454 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6919% | 2,505 |
| Assets per employee ($millions) | 5.2443% | 1,931 |
| Cash dividends to net income (ytd only)* | 210.0840% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3476% | 1,339 |
| Loan loss allowance to noncurrent loans | 122.6980% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 2.3422% | 1,983 |
| Noncurrent loans to loans | 1.9134% | 2,718 |
| Net loans and leases to total assets | 41.8038% | 5,856 |
| Net loans and leases to deposits | 52.1163% | 5,606 |
| Net loans and leases to core deposits | 58.3582% | 5,304 |
| Total domestic deposits to total assets | 80.2126% | 5,709 |
| Equity capital to assets | 15.6392% | 620 |
| Core capital (leverage) ratio | 12.6528% | 1,272 |
| Tier 1 risk-based capital ratio | 24.0647% | 1,007 |
| Total risk-based capital ratio | 25.3239% | 982 |
| Memoranda: | ||
| Average total assets | $591,664,000 | 1,146 |
| Average earning assets | $527,915,000 | 1,169 |
| Average equity | $92,374,500 | 773 |
| Average total loans | $254,759,000 | 1,640 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0575% | 5,111 |
| Cost of funding earning assets | 0.3608% | 6,155 |
| Net interest margin | 3.6967% | 3,661 |
| Noninterest income to average assets | 0.2945% | 5,360 |
| Noninterest expense to average assets | 2.5826% | 4,800 |
| Loan and lease loss provision to assets | 0.2319% | 2,814 |
| Net operating income to assets | 0.5929% | 4,270 |
| Return on assets (ROA) | 0.6049% | 4,479 |
| Pretax return on assets | 0.7930% | 4,319 |
| Return on Equity (ROE) | 3.8787% | 5,194 |
| Retained earnings to average equity (ytd only) | 2.7892% | 4,280 |
| Net charge-offs to loans | 0.9309% | 1,199 |
| Credit loss provision to net charge-offs | 52.0000% | 4,645 |
| Earnings coverage of net charge-offs (x) | 2.2625% | 4,285 |
| Efficiency ratio | 71.0379% | 3,616 |
| Assets per employee ($millions) | 5.3211% | 1,872 |
| Cash dividends to net income (ytd only)* | 28.0899% | 3,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2400% | 1,481 |
| Loan loss allowance to noncurrent loans | 105.6083% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 2.9718% | 1,596 |
| Noncurrent loans to loans | 2.1211% | 2,559 |
| Net loans and leases to total assets | 42.3337% | 5,970 |
| Net loans and leases to deposits | 52.6794% | 5,760 |
| Net loans and leases to core deposits | 58.7313% | 5,477 |
| Total domestic deposits to total assets | 80.3609% | 5,576 |
| Equity capital to assets | 15.5865% | 621 |
| Core capital (leverage) ratio | 12.6370% | 1,259 |
| Tier 1 risk-based capital ratio | 23.5589% | 1,027 |
| Total risk-based capital ratio | 24.8176% | 1,005 |
| Memoranda: | ||
| Average total assets | $588,509,400 | 1,127 |
| Average earning assets | $524,923,600 | 1,149 |
| Average equity | $91,784,200 | 762 |
| Average total loans | $281,973,600 | 1,479 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1135% | 5,141 |
| Cost of funding earning assets | 0.3699% | 6,273 |
| Net interest margin | 3.7436% | 3,588 |
| Noninterest income to average assets | 0.3280% | 5,174 |
| Noninterest expense to average assets | 2.5803% | 4,806 |
| Loan and lease loss provision to assets | 0.3102% | 2,127 |
| Net operating income to assets | 0.5784% | 4,483 |
| Return on assets (ROA) | 0.5911% | 4,695 |
| Pretax return on assets | 0.7989% | 4,488 |
| Return on Equity (ROE) | 3.7897% | 5,374 |
| Retained earnings to average equity (ytd only) | 3.7897% | 4,225 |
| Net charge-offs to loans | 1.1446% | 882 |
| Credit loss provision to net charge-offs | 55.2184% | 4,269 |
| Earnings coverage of net charge-offs (x) | 1.9434% | 4,287 |
| Efficiency ratio | 69.3446% | 3,804 |
| Assets per employee ($millions) | 5.1295% | 2,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1480% | 1,813 |
| Loan loss allowance to noncurrent loans | 87.5609% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 3.4985% | 1,433 |
| Noncurrent loans to loans | 2.4532% | 2,346 |
| Net loans and leases to total assets | 46.2264% | 5,744 |
| Net loans and leases to deposits | 57.7970% | 5,449 |
| Net loans and leases to core deposits | 64.5402% | 5,095 |
| Total domestic deposits to total assets | 79.9807% | 5,659 |
| Equity capital to assets | 16.0185% | 604 |
| Core capital (leverage) ratio | 12.6732% | 1,333 |
| Tier 1 risk-based capital ratio | 22.3556% | 1,270 |
| Total risk-based capital ratio | 23.6138% | 1,247 |
| Memoranda: | ||
| Average total assets | $586,645,500 | 1,142 |
| Average earning assets | $524,044,250 | 1,165 |
| Average equity | $91,507,750 | 768 |
| Average total loans | $287,948,250 | 1,465 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1226% | 5,235 |
| Cost of funding earning assets | 0.3741% | 6,404 |
| Net interest margin | 3.7486% | 3,598 |
| Noninterest income to average assets | 0.3198% | 5,265 |
| Noninterest expense to average assets | 2.5549% | 4,942 |
| Loan and lease loss provision to assets | 0.3252% | 2,023 |
| Net operating income to assets | 0.5698% | 4,498 |
| Return on assets (ROA) | 0.5881% | 4,678 |
| Pretax return on assets | 0.8201% | 4,401 |
| Return on Equity (ROE) | 3.8045% | 5,358 |
| Retained earnings to average equity (ytd only) | 3.8045% | 4,084 |
| Net charge-offs to loans | 1.2301% | 874 |
| Credit loss provision to net charge-offs | 53.2033% | 3,971 |
| Earnings coverage of net charge-offs (x) | 1.8318% | 4,059 |
| Efficiency ratio | 68.6006% | 4,020 |
| Assets per employee ($millions) | 5.1736% | 1,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1846% | 1,806 |
| Loan loss allowance to noncurrent loans | 58.0999% | 4,733 |
| Noncurrent assets plus other real estate owned to assets | 3.5672% | 1,488 |
| Noncurrent loans to loans | 3.7601% | 1,499 |
| Net loans and leases to total assets | 47.0754% | 5,712 |
| Net loans and leases to deposits | 58.3148% | 5,415 |
| Net loans and leases to core deposits | 65.4751% | 5,056 |
| Total domestic deposits to total assets | 80.7263% | 5,550 |
| Equity capital to assets | 15.6165% | 658 |
| Core capital (leverage) ratio | 12.7179% | 1,252 |
| Tier 1 risk-based capital ratio | 21.6516% | 1,357 |
| Total risk-based capital ratio | 22.9093% | 1,334 |
| Memoranda: | ||
| Average total assets | $587,271,670 | 1,143 |
| Average earning assets | $525,589,000 | 1,168 |
| Average equity | $90,786,670 | 770 |
| Average total loans | $291,847,330 | 1,453 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1873% | 5,153 |
| Cost of funding earning assets | 0.3815% | 6,499 |
| Net interest margin | 3.8058% | 3,368 |
| Noninterest income to average assets | 0.3317% | 5,205 |
| Noninterest expense to average assets | 2.6150% | 4,765 |
| Loan and lease loss provision to assets | 0.3959% | 1,596 |
| Net operating income to assets | 0.5111% | 4,780 |
| Return on assets (ROA) | 0.5413% | 4,856 |
| Pretax return on assets | 0.7829% | 4,482 |
| Return on Equity (ROE) | 3.5195% | 5,499 |
| Retained earnings to average equity (ytd only) | 3.5195% | 4,470 |
| Net charge-offs to loans | 1.8334% | 520 |
| Credit loss provision to net charge-offs | 42.7729% | 3,403 |
| Earnings coverage of net charge-offs (x) | 1.2264% | 3,725 |
| Efficiency ratio | 68.8205% | 4,015 |
| Assets per employee ($millions) | 5.2249% | 1,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1568% | 1,970 |
| Loan loss allowance to noncurrent loans | 58.6117% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 3.6283% | 1,564 |
| Noncurrent loans to loans | 3.6798% | 1,684 |
| Net loans and leases to total assets | 48.1373% | 5,538 |
| Net loans and leases to deposits | 59.1481% | 5,262 |
| Net loans and leases to core deposits | 65.8615% | 4,928 |
| Total domestic deposits to total assets | 81.3843% | 5,500 |
| Equity capital to assets | 15.3625% | 687 |
| Core capital (leverage) ratio | 12.5186% | 1,334 |
| Tier 1 risk-based capital ratio | 21.0679% | 1,479 |
| Total risk-based capital ratio | 22.3241% | 1,448 |
| Memoranda: | ||
| Average total assets | $586,010,500 | 1,146 |
| Average earning assets | $526,351,500 | 1,165 |
| Average equity | $90,127,500 | 771 |
| Average total loans | $295,846,500 | 1,435 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6448% | 4,475 |
| Cost of funding earning assets | 0.5006% | 6,534 |
| Net interest margin | 4.1442% | 2,248 |
| Noninterest income to average assets | 0.1313% | 6,500 |
| Noninterest expense to average assets | 2.5573% | 5,258 |
| Loan and lease loss provision to assets | 0.6296% | 1,620 |
| Net operating income to assets | 0.4541% | 4,620 |
| Return on assets (ROA) | 0.4940% | 4,664 |
| Pretax return on assets | 0.7557% | 4,132 |
| Return on Equity (ROE) | 3.2726% | 5,169 |
| Retained earnings to average equity (ytd only) | 3.2726% | 3,896 |
| Net charge-offs to loans | 1.2862% | 1,287 |
| Credit loss provision to net charge-offs | 86.9513% | 4,152 |
| Earnings coverage of net charge-offs (x) | 1.8285% | 4,408 |
| Efficiency ratio | 64.9036% | 4,965 |
| Assets per employee ($millions) | 5.2873% | 1,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3375% | 1,562 |
| Loan loss allowance to noncurrent loans | 52.4547% | 4,891 |
| Noncurrent assets plus other real estate owned to assets | 3.7161% | 1,574 |
| Noncurrent loans to loans | 4.4563% | 1,342 |
| Net loans and leases to total assets | 50.5801% | 5,515 |
| Net loans and leases to deposits | 62.9337% | 5,126 |
| Net loans and leases to core deposits | 69.7915% | 4,804 |
| Total domestic deposits to total assets | 80.3705% | 5,636 |
| Equity capital to assets | 15.3974% | 695 |
| Core capital (leverage) ratio | 12.3334% | 1,423 |
| Tier 1 risk-based capital ratio | 20.2046% | 1,593 |
| Total risk-based capital ratio | 21.4645% | 1,563 |
| Memoranda: | ||
| Average total assets | $575,759,600 | 1,144 |
| Average earning assets | $520,995,000 | 1,147 |
| Average equity | $86,904,000 | 776 |
| Average total loans | $324,124,200 | 1,311 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7085% | 4,418 |
| Cost of funding earning assets | 0.5231% | 6,609 |
| Net interest margin | 4.1854% | 2,162 |
| Noninterest income to average assets | 0.1282% | 6,612 |
| Noninterest expense to average assets | 2.5730% | 5,185 |
| Loan and lease loss provision to assets | 0.8416% | 1,090 |
| Net operating income to assets | 0.3443% | 5,229 |
| Return on assets (ROA) | 0.4000% | 5,188 |
| Pretax return on assets | 0.5906% | 4,843 |
| Return on Equity (ROE) | 2.6638% | 5,552 |
| Retained earnings to average equity (ytd only) | 2.6638% | 4,760 |
| Net charge-offs to loans | 1.3428% | 1,128 |
| Credit loss provision to net charge-offs | 109.1210% | 3,026 |
| Earnings coverage of net charge-offs (x) | 1.7508% | 4,341 |
| Efficiency ratio | 64.6074% | 4,963 |
| Assets per employee ($millions) | 5.0856% | 2,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5050% | 1,393 |
| Loan loss allowance to noncurrent loans | 37.6246% | 5,771 |
| Noncurrent assets plus other real estate owned to assets | 4.2762% | 1,424 |
| Noncurrent loans to loans | 6.6579% | 779 |
| Net loans and leases to total assets | 52.9525% | 5,331 |
| Net loans and leases to deposits | 65.3864% | 4,994 |
| Net loans and leases to core deposits | 72.5627% | 4,642 |
| Total domestic deposits to total assets | 80.9840% | 5,435 |
| Equity capital to assets | 15.2640% | 780 |
| Core capital (leverage) ratio | 12.2952% | 1,538 |
| Tier 1 risk-based capital ratio | 19.9064% | 1,710 |
| Total risk-based capital ratio | 21.1697% | 1,677 |
| Memoranda: | ||
| Average total assets | $574,298,500 | 1,159 |
| Average earning assets | $520,752,000 | 1,157 |
| Average equity | $86,242,000 | 785 |
| Average total loans | $329,851,000 | 1,290 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7505% | 4,300 |
| Cost of funding earning assets | 0.5409% | 6,698 |
| Net interest margin | 4.2096% | 1,997 |
| Noninterest income to average assets | 0.1296% | 6,675 |
| Noninterest expense to average assets | 2.6541% | 4,992 |
| Loan and lease loss provision to assets | 1.0743% | 774 |
| Net operating income to assets | 0.1754% | 5,814 |
| Return on assets (ROA) | 0.1831% | 5,900 |
| Pretax return on assets | 0.2250% | 5,871 |
| Return on Equity (ROE) | 1.2259% | 6,026 |
| Retained earnings to average equity (ytd only) | 1.2259% | 5,364 |
| Net charge-offs to loans | 1.6563% | 879 |
| Credit loss provision to net charge-offs | 110.8907% | 2,767 |
| Earnings coverage of net charge-offs (x) | 1.3314% | 4,291 |
| Efficiency ratio | 66.3123% | 4,819 |
| Assets per employee ($millions) | 7.6784% | 527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4269% | 1,551 |
| Loan loss allowance to noncurrent loans | 35.4823% | 5,936 |
| Noncurrent assets plus other real estate owned to assets | 4.4794% | 1,405 |
| Noncurrent loans to loans | 6.8398% | 772 |
| Net loans and leases to total assets | 55.8064% | 5,026 |
| Net loans and leases to deposits | 68.7487% | 4,597 |
| Net loans and leases to core deposits | 76.5708% | 4,242 |
| Total domestic deposits to total assets | 81.1746% | 5,467 |
| Equity capital to assets | 15.2155% | 767 |
| Core capital (leverage) ratio | 12.2173% | 1,494 |
| Tier 1 risk-based capital ratio | 19.1658% | 1,795 |
| Total risk-based capital ratio | 20.4096% | 1,760 |
| Memoranda: | ||
| Average total assets | $572,477,000 | 1,167 |
| Average earning assets | $518,725,000 | 1,174 |
| Average equity | $85,491,000 | 789 |
| Average total loans | $334,839,000 | 1,293 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5964% | 4,961 |
| Cost of funding earning assets | 0.5597% | 6,767 |
| Net interest margin | 4.0367% | 2,531 |
| Noninterest income to average assets | 0.2757% | 5,697 |
| Noninterest expense to average assets | 2.7190% | 4,758 |
| Loan and lease loss provision to assets | 0.9572% | 822 |
| Net operating income to assets | 0.1889% | 5,819 |
| Return on assets (ROA) | 0.1900% | 5,874 |
| Pretax return on assets | 0.2409% | 5,833 |
| Return on Equity (ROE) | 1.2846% | 6,054 |
| Retained earnings to average equity (ytd only) | 1.2846% | 5,313 |
| Net charge-offs to loans | 1.8813% | 686 |
| Credit loss provision to net charge-offs | 86.0451% | 3,020 |
| Earnings coverage of net charge-offs (x) | 1.0757% | 3,860 |
| Efficiency ratio | 68.4622% | 4,568 |
| Assets per employee ($millions) | 7.5239% | 579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2094% | 1,943 |
| Loan loss allowance to noncurrent loans | 34.0912% | 6,016 |
| Noncurrent assets plus other real estate owned to assets | 4.4310% | 1,471 |
| Noncurrent loans to loans | 6.4807% | 924 |
| Net loans and leases to total assets | 56.9863% | 4,803 |
| Net loans and leases to deposits | 69.0481% | 4,521 |
| Net loans and leases to core deposits | 76.6968% | 4,206 |
| Total domestic deposits to total assets | 82.5313% | 5,098 |
| Equity capital to assets | 14.9025% | 786 |
| Core capital (leverage) ratio | 12.0017% | 1,567 |
| Tier 1 risk-based capital ratio | 18.5790% | 1,931 |
| Total risk-based capital ratio | 19.8392% | 1,884 |
| Memoranda: | ||
| Average total assets | $574,613,000 | 1,171 |
| Average earning assets | $518,145,000 | 1,184 |
| Average equity | $85,009,000 | 783 |
| Average total loans | $339,767,500 | 1,287 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8613% | 5,196 |
| Cost of funding earning assets | 0.6524% | 7,000 |
| Net interest margin | 4.2089% | 2,151 |
| Noninterest income to average assets | 0.1473% | 6,658 |
| Noninterest expense to average assets | 2.6066% | 5,389 |
| Loan and lease loss provision to assets | 1.2638% | 1,233 |
| Net operating income to assets | 0.1188% | 5,540 |
| Return on assets (ROA) | 0.1200% | 5,681 |
| Pretax return on assets | 0.0991% | 5,700 |
| Return on Equity (ROE) | 0.8292% | 5,745 |
| Retained earnings to average equity (ytd only) | 0.8292% | 5,136 |
| Net charge-offs to loans | 2.1174% | 930 |
| Credit loss provision to net charge-offs | 95.7342% | 4,858 |
| Earnings coverage of net charge-offs (x) | 1.0315% | 5,082 |
| Efficiency ratio | 64.6405% | 5,234 |
| Assets per employee ($millions) | 7.4988% | 591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1902% | 1,885 |
| Loan loss allowance to noncurrent loans | 33.6051% | 6,074 |
| Noncurrent assets plus other real estate owned to assets | 4.3759% | 1,527 |
| Noncurrent loans to loans | 6.5175% | 918 |
| Net loans and leases to total assets | 58.6639% | 4,926 |
| Net loans and leases to deposits | 71.8749% | 4,542 |
| Net loans and leases to core deposits | 80.4009% | 4,156 |
| Total domestic deposits to total assets | 81.6194% | 5,317 |
| Equity capital to assets | 14.6868% | 867 |
| Core capital (leverage) ratio | 11.7645% | 1,698 |
| Tier 1 risk-based capital ratio | 17.9124% | 2,030 |
| Total risk-based capital ratio | 19.1631% | 1,990 |
| Memoranda: | ||
| Average total assets | $582,472,400 | 1,154 |
| Average earning assets | $528,783,200 | 1,160 |
| Average equity | $84,297,600 | 791 |
| Average total loans | $363,130,400 | 1,242 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9290% | 5,139 |
| Cost of funding earning assets | 0.6733% | 7,123 |
| Net interest margin | 4.2558% | 2,011 |
| Noninterest income to average assets | 0.1804% | 6,589 |
| Noninterest expense to average assets | 2.6086% | 5,290 |
| Loan and lease loss provision to assets | 1.2958% | 1,074 |
| Net operating income to assets | 0.1276% | 5,697 |
| Return on assets (ROA) | 0.1268% | 5,868 |
| Pretax return on assets | 0.1316% | 5,864 |
| Return on Equity (ROE) | 0.8791% | 5,922 |
| Retained earnings to average equity (ytd only) | 0.8791% | 5,450 |
| Net charge-offs to loans | 2.2283% | 803 |
| Credit loss provision to net charge-offs | 92.4092% | 4,676 |
| Earnings coverage of net charge-offs (x) | 1.0186% | 5,040 |
| Efficiency ratio | 63.5849% | 5,327 |
| Assets per employee ($millions) | 7.4440% | 635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1116% | 1,976 |
| Loan loss allowance to noncurrent loans | 29.9052% | 6,336 |
| Noncurrent assets plus other real estate owned to assets | 4.8170% | 1,367 |
| Noncurrent loans to loans | 7.0609% | 791 |
| Net loans and leases to total assets | 59.4575% | 5,010 |
| Net loans and leases to deposits | 72.5365% | 4,758 |
| Net loans and leases to core deposits | 80.5450% | 4,440 |
| Total domestic deposits to total assets | 81.9691% | 5,010 |
| Equity capital to assets | 14.6803% | 974 |
| Core capital (leverage) ratio | 11.8065% | 1,761 |
| Tier 1 risk-based capital ratio | 17.7782% | 2,086 |
| Total risk-based capital ratio | 19.0377% | 2,047 |
| Memoranda: | ||
| Average total assets | $583,738,500 | 1,159 |
| Average earning assets | $528,960,750 | 1,168 |
| Average equity | $84,171,250 | 786 |
| Average total loans | $367,334,250 | 1,243 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9888% | 4,989 |
| Cost of funding earning assets | 0.6926% | 7,209 |
| Net interest margin | 4.2962% | 1,792 |
| Noninterest income to average assets | 0.1679% | 6,703 |
| Noninterest expense to average assets | 2.6225% | 5,239 |
| Loan and lease loss provision to assets | 1.2477% | 1,119 |
| Net operating income to assets | 0.1595% | 5,694 |
| Return on assets (ROA) | 0.1580% | 5,816 |
| Pretax return on assets | 0.1847% | 5,804 |
| Return on Equity (ROE) | 1.1024% | 5,919 |
| Retained earnings to average equity (ytd only) | 1.1024% | 5,321 |
| Net charge-offs to loans | 2.2137% | 806 |
| Credit loss provision to net charge-offs | 88.5437% | 4,460 |
| Earnings coverage of net charge-offs (x) | 1.0177% | 4,771 |
| Efficiency ratio | 63.6203% | 5,405 |
| Assets per employee ($millions) | 7.2340% | 689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0612% | 2,050 |
| Loan loss allowance to noncurrent loans | 38.6365% | 5,776 |
| Noncurrent assets plus other real estate owned to assets | 3.8841% | 1,783 |
| Noncurrent loans to loans | 5.3348% | 1,252 |
| Net loans and leases to total assets | 61.0941% | 4,861 |
| Net loans and leases to deposits | 75.2810% | 4,469 |
| Net loans and leases to core deposits | 83.3828% | 4,228 |
| Total domestic deposits to total assets | 81.1548% | 5,346 |
| Equity capital to assets | 14.6857% | 951 |
| Core capital (leverage) ratio | 11.7042% | 1,802 |
| Tier 1 risk-based capital ratio | 17.2454% | 2,183 |
| Total risk-based capital ratio | 18.5041% | 2,145 |
| Memoranda: | ||
| Average total assets | $584,774,670 | 1,161 |
| Average earning assets | $529,301,670 | 1,167 |
| Average equity | $83,815,670 | 783 |
| Average total loans | $372,220,670 | 1,233 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0513% | 4,779 |
| Cost of funding earning assets | 0.7079% | 7,315 |
| Net interest margin | 4.3435% | 1,554 |
| Noninterest income to average assets | 0.0925% | 7,248 |
| Noninterest expense to average assets | 2.6084% | 5,325 |
| Loan and lease loss provision to assets | 1.1140% | 1,100 |
| Net operating income to assets | 0.2269% | 5,591 |
| Return on assets (ROA) | 0.2280% | 5,705 |
| Pretax return on assets | 0.3049% | 5,586 |
| Return on Equity (ROE) | 1.6100% | 5,916 |
| Retained earnings to average equity (ytd only) | 1.6100% | 5,138 |
| Net charge-offs to loans | 1.2397% | 1,369 |
| Credit loss provision to net charge-offs | 139.7950% | 2,532 |
| Earnings coverage of net charge-offs (x) | 1.7788% | 3,667 |
| Efficiency ratio | 63.7593% | 5,540 |
| Assets per employee ($millions) | 7.2894% | 719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2570% | 1,649 |
| Loan loss allowance to noncurrent loans | 45.4713% | 5,319 |
| Noncurrent assets plus other real estate owned to assets | 3.7208% | 1,874 |
| Noncurrent loans to loans | 4.9636% | 1,462 |
| Net loans and leases to total assets | 62.2244% | 4,717 |
| Net loans and leases to deposits | 76.3583% | 4,347 |
| Net loans and leases to core deposits | 86.8513% | 3,775 |
| Total domestic deposits to total assets | 81.4901% | 5,273 |
| Equity capital to assets | 14.3849% | 1,041 |
| Core capital (leverage) ratio | 11.6388% | 1,835 |
| Tier 1 risk-based capital ratio | 16.8726% | 2,315 |
| Total risk-based capital ratio | 18.1339% | 2,265 |
| Memoranda: | ||
| Average total assets | $587,802,000 | 1,180 |
| Average earning assets | $532,295,500 | 1,191 |
| Average equity | $83,229,000 | 795 |
| Average total loans | $377,828,500 | 1,258 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7770% | 2,755 |
| Cost of funding earning assets | 1.0086% | 7,191 |
| Net interest margin | 4.7684% | 740 |
| Noninterest income to average assets | 0.3429% | 5,639 |
| Noninterest expense to average assets | 2.7561% | 5,142 |
| Loan and lease loss provision to assets | 1.5386% | 1,499 |
| Net operating income to assets | 0.2453% | 4,735 |
| Return on assets (ROA) | 0.2840% | 4,683 |
| Pretax return on assets | 0.3510% | 4,641 |
| Return on Equity (ROE) | 2.3824% | 4,752 |
| Retained earnings to average equity (ytd only) | -0.0727% | 4,951 |
| Net charge-offs to loans | 1.6671% | 1,517 |
| Credit loss provision to net charge-offs | 128.9801% | 3,990 |
| Earnings coverage of net charge-offs (x) | 1.5440% | 4,590 |
| Efficiency ratio | 58.9262% | 6,628 |
| Assets per employee ($millions) | 6.8890% | 838 |
| Cash dividends to net income (ytd only)* | 103.0511% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0585% | 1,894 |
| Loan loss allowance to noncurrent loans | 37.7457% | 5,917 |
| Noncurrent assets plus other real estate owned to assets | 3.9618% | 1,669 |
| Noncurrent loans to loans | 5.4535% | 1,192 |
| Net loans and leases to total assets | 63.5498% | 4,690 |
| Net loans and leases to deposits | 79.1245% | 4,151 |
| Net loans and leases to core deposits | 99.6633% | 4,039 |
| Total domestic deposits to total assets | 80.3162% | 5,580 |
| Equity capital to assets | 13.9373% | 1,189 |
| Core capital (leverage) ratio | 11.6461% | 1,842 |
| Tier 1 risk-based capital ratio | 16.0407% | 2,505 |
| Total risk-based capital ratio | 17.2831% | 2,439 |
| Memoranda: | ||
| Average total assets | $565,507,200 | 1,227 |
| Average earning assets | $504,635,200 | 1,250 |
| Average equity | $67,411,000 | 980 |
| Average total loans | $404,647,800 | 1,189 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9687% | 2,158 |
| Cost of funding earning assets | 1.0590% | 7,269 |
| Net interest margin | 4.9097% | 542 |
| Noninterest income to average assets | 0.3484% | 5,714 |
| Noninterest expense to average assets | 2.8424% | 4,713 |
| Loan and lease loss provision to assets | 1.4739% | 1,304 |
| Net operating income to assets | 0.2960% | 4,801 |
| Return on assets (ROA) | 0.3405% | 4,730 |
| Pretax return on assets | 0.4608% | 4,639 |
| Return on Equity (ROE) | 2.9906% | 4,801 |
| Retained earnings to average equity (ytd only) | -0.4778% | 5,344 |
| Net charge-offs to loans | 1.4833% | 1,382 |
| Credit loss provision to net charge-offs | 135.5200% | 3,663 |
| Earnings coverage of net charge-offs (x) | 1.7236% | 4,505 |
| Efficiency ratio | 59.2523% | 6,523 |
| Assets per employee ($millions) | 6.6648% | 910 |
| Cash dividends to net income (ytd only)* | 115.9774% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9169% | 1,986 |
| Loan loss allowance to noncurrent loans | 42.0407% | 5,521 |
| Noncurrent assets plus other real estate owned to assets | 3.7964% | 1,708 |
| Noncurrent loans to loans | 4.5597% | 1,520 |
| Net loans and leases to total assets | 68.4350% | 3,858 |
| Net loans and leases to deposits | 83.2127% | 3,797 |
| Net loans and leases to core deposits | 107.1921% | 3,568 |
| Total domestic deposits to total assets | 82.2411% | 4,572 |
| Equity capital to assets | 11.3078% | 2,742 |
| Core capital (leverage) ratio | 8.5372% | 5,425 |
| Tier 1 risk-based capital ratio | 11.1529% | 5,808 |
| Total risk-based capital ratio | 12.4108% | 5,743 |
| Memoranda: | ||
| Average total assets | $558,771,000 | 1,248 |
| Average earning assets | $497,181,000 | 1,282 |
| Average equity | $63,620,750 | 1,055 |
| Average total loans | $409,706,000 | 1,194 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0729% | 1,893 |
| Cost of funding earning assets | 1.0928% | 7,389 |
| Net interest margin | 4.9801% | 451 |
| Noninterest income to average assets | 0.2409% | 6,559 |
| Noninterest expense to average assets | 2.6469% | 5,571 |
| Loan and lease loss provision to assets | 1.8598% | 880 |
| Net operating income to assets | 0.1627% | 5,383 |
| Return on assets (ROA) | 0.2140% | 5,290 |
| Pretax return on assets | 0.2409% | 5,348 |
| Return on Equity (ROE) | 1.8748% | 5,345 |
| Retained earnings to average equity (ytd only) | -3.3399% | 6,021 |
| Net charge-offs to loans | 1.6245% | 1,165 |
| Credit loss provision to net charge-offs | 153.6086% | 2,997 |
| Earnings coverage of net charge-offs (x) | 1.6876% | 4,284 |
| Efficiency ratio | 55.4167% | 7,176 |
| Assets per employee ($millions) | 6.3524% | 1,029 |
| Cash dividends to net income (ytd only)* | 278.1513% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9096% | 1,769 |
| Loan loss allowance to noncurrent loans | 37.0620% | 5,939 |
| Noncurrent assets plus other real estate owned to assets | 4.3956% | 1,292 |
| Noncurrent loans to loans | 5.1525% | 1,169 |
| Net loans and leases to total assets | 72.1528% | 3,178 |
| Net loans and leases to deposits | 88.3601% | 3,119 |
| Net loans and leases to core deposits | 112.8608% | 3,030 |
| Total domestic deposits to total assets | 81.6577% | 4,831 |
| Equity capital to assets | 11.3067% | 2,673 |
| Core capital (leverage) ratio | 8.2258% | 5,936 |
| Tier 1 risk-based capital ratio | 10.6459% | 6,235 |
| Total risk-based capital ratio | 11.9032% | 6,165 |
| Memoranda: | ||
| Average total assets | $556,193,330 | 1,272 |
| Average earning assets | $496,898,670 | 1,300 |
| Average equity | $63,474,670 | 1,071 |
| Average total loans | $414,520,000 | 1,210 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1655% | 1,708 |
| Cost of funding earning assets | 1.1204% | 7,479 |
| Net interest margin | 5.0451% | 364 |
| Noninterest income to average assets | 0.3470% | 5,669 |
| Noninterest expense to average assets | 2.5371% | 5,704 |
| Loan and lease loss provision to assets | 0.9133% | 1,428 |
| Net operating income to assets | 0.9270% | 2,589 |
| Return on assets (ROA) | 0.9270% | 2,723 |
| Pretax return on assets | 1.4546% | 1,805 |
| Return on Equity (ROE) | 8.0853% | 3,106 |
| Retained earnings to average equity (ytd only) | 2.8952% | 4,262 |
| Net charge-offs to loans | 1.2501% | 1,125 |
| Credit loss provision to net charge-offs | 97.4006% | 3,854 |
| Earnings coverage of net charge-offs (x) | 2.5252% | 3,487 |
| Efficiency ratio | 50.7600% | 7,534 |
| Assets per employee ($millions) | 6.3676% | 1,016 |
| Cash dividends to net income (ytd only)* | 64.1918% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4202% | 3,387 |
| Loan loss allowance to noncurrent loans | 91.9733% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 1.9710% | 2,947 |
| Noncurrent loans to loans | 1.5442% | 3,961 |
| Net loans and leases to total assets | 74.2256% | 2,700 |
| Net loans and leases to deposits | 93.7547% | 2,312 |
| Net loans and leases to core deposits | 123.1286% | 2,150 |
| Total domestic deposits to total assets | 79.1700% | 5,656 |
| Equity capital to assets | 11.5847% | 2,537 |
| Core capital (leverage) ratio | 8.3586% | 5,790 |
| Tier 1 risk-based capital ratio | 10.5506% | 6,341 |
| Total risk-based capital ratio | 11.8010% | 6,250 |
| Memoranda: | ||
| Average total assets | $557,958,500 | 1,273 |
| Average earning assets | $504,092,500 | 1,282 |
| Average equity | $63,968,000 | 1,065 |
| Average total loans | $418,517,500 | 1,210 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5116% | 2,902 |
| Cost of funding earning assets | 1.4798% | 7,641 |
| Net interest margin | 5.0318% | 472 |
| Noninterest income to average assets | 0.3887% | 5,571 |
| Noninterest expense to average assets | 2.4379% | 6,265 |
| Loan and lease loss provision to assets | 0.3032% | 3,948 |
| Net operating income to assets | 1.3484% | 1,347 |
| Return on assets (ROA) | 1.3351% | 1,338 |
| Pretax return on assets | 2.1386% | 449 |
| Return on Equity (ROE) | 12.4943% | 1,447 |
| Retained earnings to average equity (ytd only) | 5.0700% | 1,985 |
| Net charge-offs to loans | 0.4126% | 2,749 |
| Credit loss provision to net charge-offs | 102.0492% | 5,215 |
| Earnings coverage of net charge-offs (x) | 8.2881% | 2,907 |
| Efficiency ratio | 48.7309% | 7,753 |
| Assets per employee ($millions) | 6.1751% | 1,050 |
| Cash dividends to net income (ytd only)* | 59.4214% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4189% | 3,093 |
| Loan loss allowance to noncurrent loans | 95.4655% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 1.4946% | 3,232 |
| Noncurrent loans to loans | 1.4862% | 3,574 |
| Net loans and leases to total assets | 73.6663% | 3,195 |
| Net loans and leases to deposits | 94.3612% | 2,702 |
| Net loans and leases to core deposits | 120.4998% | 2,639 |
| Total domestic deposits to total assets | 78.0684% | 5,695 |
| Equity capital to assets | 11.3463% | 2,755 |
| Core capital (leverage) ratio | 8.3955% | 5,776 |
| Tier 1 risk-based capital ratio | 10.3360% | 6,380 |
| Total risk-based capital ratio | 11.5873% | 6,255 |
| Memoranda: | ||
| Average total assets | $574,807,000 | 1,170 |
| Average earning assets | $515,420,000 | 1,202 |
| Average equity | $61,420,000 | 1,094 |
| Average total loans | $413,966,400 | 1,163 |