Home > American Riviera Bank > Performance and Condition Ratios
American Riviera Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5940% | 2,904 |
| Cost of funding earning assets | 0.8618% | 3,595 |
| Net interest margin | 3.7322% | 1,690 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 2.4498% | 2,449 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.9339% | 2,429 |
| Return on assets (ROA) | 0.9043% | 2,510 |
| Pretax return on assets | 1.2509% | 2,006 |
| Return on Equity (ROE) | 10.5000% | 2,361 |
| Retained earnings to average equity (ytd only) | 10.4967% | 908 |
| Net charge-offs to loans | -0.0009% | 3,591 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 65.3033% | 2,443 |
| Assets per employee ($millions) | 9.3671% | 869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2308% | 2,111 |
| Loan loss allowance to noncurrent loans | 1,957.6471% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.0471% | 3,281 |
| Noncurrent loans to loans | 0.0629% | 3,262 |
| Net loans and leases to total assets | 73.9200% | 1,374 |
| Net loans and leases to deposits | 88.2269% | 1,411 |
| Net loans and leases to core deposits | 91.3918% | 1,957 |
| Total domestic deposits to total assets | 83.7800% | 2,682 |
| Equity capital to assets | 9.3760% | 2,436 |
| Core capital (leverage) ratio | 10.6201% | 2,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7717% | 1,945 |
| Memoranda: | ||
| Average total assets | $1,280,009,400 | 817 |
| Average earning assets | $1,207,437,800 | 792 |
| Average equity | $110,273,000 | 884 |
| Average total loans | $933,073,600 | 770 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5645% | 2,766 |
| Cost of funding earning assets | 0.7786% | 3,581 |
| Net interest margin | 3.7859% | 1,633 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 2.4411% | 2,404 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.9419% | 2,541 |
| Return on assets (ROA) | 0.9448% | 2,521 |
| Pretax return on assets | 1.3067% | 2,023 |
| Return on Equity (ROE) | 11.2100% | 2,323 |
| Retained earnings to average equity (ytd only) | 11.2111% | 1,123 |
| Net charge-offs to loans | -0.0010% | 3,485 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 64.8925% | 2,403 |
| Assets per employee ($millions) | 9.2577% | 851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2376% | 2,178 |
| Loan loss allowance to noncurrent loans | 430.0960% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.2135% | 2,194 |
| Noncurrent loans to loans | 0.2877% | 2,207 |
| Net loans and leases to total assets | 73.2800% | 1,439 |
| Net loans and leases to deposits | 83.6242% | 1,769 |
| Net loans and leases to core deposits | 86.3073% | 2,170 |
| Total domestic deposits to total assets | 87.6400% | 1,688 |
| Equity capital to assets | 8.6739% | 2,613 |
| Core capital (leverage) ratio | 10.1233% | 2,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2786% | 2,170 |
| Memoranda: | ||
| Average total assets | $1,283,871,000 | 815 |
| Average earning assets | $1,211,533,000 | 793 |
| Average equity | $108,199,750 | 893 |
| Average total loans | $929,739,250 | 773 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4896% | 2,667 |
| Cost of funding earning assets | 0.6911% | 3,513 |
| Net interest margin | 3.7985% | 1,630 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 2.4384% | 2,379 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.9527% | 2,575 |
| Return on assets (ROA) | 0.9564% | 2,552 |
| Pretax return on assets | 1.3216% | 2,015 |
| Return on Equity (ROE) | 11.4600% | 2,308 |
| Retained earnings to average equity (ytd only) | 11.4577% | 1,085 |
| Net charge-offs to loans | -0.0013% | 3,471 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.4971% | 2,427 |
| Assets per employee ($millions) | 9.6582% | 737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2310% | 2,281 |
| Loan loss allowance to noncurrent loans | 412.9879% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.2194% | 2,097 |
| Noncurrent loans to loans | 0.2981% | 2,069 |
| Net loans and leases to total assets | 72.6900% | 1,449 |
| Net loans and leases to deposits | 85.4399% | 1,546 |
| Net loans and leases to core deposits | 87.9390% | 1,932 |
| Total domestic deposits to total assets | 85.0800% | 2,525 |
| Equity capital to assets | 8.5763% | 2,804 |
| Core capital (leverage) ratio | 9.9376% | 2,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1586% | 2,232 |
| Memoranda: | ||
| Average total assets | $1,289,057,667 | 801 |
| Average earning assets | $1,218,275,000 | 777 |
| Average equity | $107,595,667 | 888 |
| Average total loans | $925,945,000 | 764 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3678% | 2,635 |
| Cost of funding earning assets | 0.4931% | 3,711 |
| Net interest margin | 3.8747% | 1,526 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 2.4449% | 2,381 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9910% | 2,560 |
| Return on assets (ROA) | 0.9946% | 2,516 |
| Pretax return on assets | 1.3558% | 2,000 |
| Return on Equity (ROE) | 12.0800% | 2,199 |
| Retained earnings to average equity (ytd only) | 12.0816% | 1,253 |
| Net charge-offs to loans | -0.0013% | 3,353 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.4064% | 2,402 |
| Assets per employee ($millions) | 9.5699% | 786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2401% | 2,332 |
| Loan loss allowance to noncurrent loans | 387.9567% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.2271% | 1,983 |
| Noncurrent loans to loans | 0.3197% | 1,999 |
| Net loans and leases to total assets | 70.1700% | 1,609 |
| Net loans and leases to deposits | 82.2512% | 1,634 |
| Net loans and leases to core deposits | 84.6066% | 1,951 |
| Total domestic deposits to total assets | 85.3100% | 2,773 |
| Equity capital to assets | 8.3487% | 3,004 |
| Core capital (leverage) ratio | 9.6743% | 3,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1173% | 2,349 |
| Memoranda: | ||
| Average total assets | $1,291,315,000 | 815 |
| Average earning assets | $1,221,761,500 | 786 |
| Average equity | $106,310,500 | 909 |
| Average total loans | $916,223,000 | 779 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8998% | 1,982 |
| Cost of funding earning assets | 0.1067% | 4,360 |
| Net interest margin | 3.7932% | 1,172 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 2.2365% | 2,929 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.0702% | 2,303 |
| Return on assets (ROA) | 1.0632% | 2,270 |
| Pretax return on assets | 1.4795% | 1,515 |
| Return on Equity (ROE) | 14.0800% | 1,512 |
| Retained earnings to average equity (ytd only) | 14.0829% | 372 |
| Net charge-offs to loans | -0.0113% | 3,871 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.3405% | 3,289 |
| Assets per employee ($millions) | 9.9312% | 691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1707% | 2,528 |
| Loan loss allowance to noncurrent loans | 346.5753% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.2393% | 1,953 |
| Noncurrent loans to loans | 0.3378% | 1,940 |
| Net loans and leases to total assets | 70.0200% | 1,640 |
| Net loans and leases to deposits | 77.0233% | 2,035 |
| Net loans and leases to core deposits | 78.5721% | 2,235 |
| Total domestic deposits to total assets | 90.9100% | 991 |
| Equity capital to assets | 8.1149% | 2,984 |
| Core capital (leverage) ratio | 8.8269% | 3,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9592% | 2,393 |
| Memoranda: | ||
| Average total assets | $1,336,574,800 | 767 |
| Average earning assets | $1,276,929,000 | 742 |
| Average equity | $100,909,600 | 941 |
| Average total loans | $847,233,800 | 787 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6588% | 2,169 |
| Cost of funding earning assets | 0.0714% | 4,472 |
| Net interest margin | 3.5874% | 1,420 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 2.0720% | 3,291 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.0429% | 2,310 |
| Return on assets (ROA) | 1.0410% | 2,281 |
| Pretax return on assets | 1.4473% | 1,563 |
| Return on Equity (ROE) | 14.0400% | 1,418 |
| Retained earnings to average equity (ytd only) | 14.0377% | 458 |
| Net charge-offs to loans | -0.0149% | 3,876 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.8283% | 3,538 |
| Assets per employee ($millions) | 10.5452% | 559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1848% | 2,610 |
| Loan loss allowance to noncurrent loans | 165.6935% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 0.4623% | 1,170 |
| Noncurrent loans to loans | 0.7151% | 1,143 |
| Net loans and leases to total assets | 63.8800% | 2,103 |
| Net loans and leases to deposits | 69.2302% | 2,436 |
| Net loans and leases to core deposits | 69.9814% | 2,646 |
| Total domestic deposits to total assets | 92.2700% | 789 |
| Equity capital to assets | 7.1944% | 3,411 |
| Core capital (leverage) ratio | 8.4787% | 4,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7295% | 2,574 |
| Memoranda: | ||
| Average total assets | $1,350,437,500 | 766 |
| Average earning assets | $1,293,327,000 | 746 |
| Average equity | $100,146,500 | 956 |
| Average total loans | $832,121,000 | 798 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4705% | 2,225 |
| Cost of funding earning assets | 0.0661% | 4,482 |
| Net interest margin | 3.4043% | 1,592 |
| Noninterest income to average assets | 0.1887% | 4,062 |
| Noninterest expense to average assets | 2.0195% | 3,381 |
| Loan and lease loss provision to assets | 0.1363% | 699 |
| Net operating income to assets | 0.9517% | 2,355 |
| Return on assets (ROA) | 0.9485% | 2,337 |
| Pretax return on assets | 1.2929% | 1,775 |
| Return on Equity (ROE) | 12.6613% | 1,473 |
| Retained earnings to average equity (ytd only) | 12.6613% | 507 |
| Net charge-offs to loans | -0.0167% | 3,801 |
| Credit loss provision to net charge-offs | -1,347.0588% | 3,612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1048% | 3,545 |
| Assets per employee ($millions) | 10.9012% | 514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2044% | 2,661 |
| Loan loss allowance to noncurrent loans | 295.9463% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.2571% | 2,026 |
| Noncurrent loans to loans | 0.4070% | 1,907 |
| Net loans and leases to total assets | 62.4071% | 2,076 |
| Net loans and leases to deposits | 67.6725% | 2,415 |
| Net loans and leases to core deposits | 68.3967% | 2,615 |
| Total domestic deposits to total assets | 92.2194% | 751 |
| Equity capital to assets | 7.3280% | 3,584 |
| Core capital (leverage) ratio | 8.2914% | 4,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9444% | 2,520 |
| Memoranda: | ||
| Average total assets | $1,343,624,000 | 766 |
| Average earning assets | $1,288,247,667 | 748 |
| Average equity | $100,653,333 | 964 |
| Average total loans | $814,093,000 | 800 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3828% | 2,137 |
| Cost of funding earning assets | 0.0656% | 4,489 |
| Net interest margin | 3.3172% | 1,533 |
| Noninterest income to average assets | 0.2567% | 3,604 |
| Noninterest expense to average assets | 2.0523% | 3,291 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9856% | 1,942 |
| Return on assets (ROA) | 0.9837% | 1,948 |
| Pretax return on assets | 1.3861% | 1,282 |
| Return on Equity (ROE) | 12.9873% | 1,037 |
| Retained earnings to average equity (ytd only) | 12.9873% | 469 |
| Net charge-offs to loans | -0.0056% | 3,369 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2541% | 3,558 |
| Assets per employee ($millions) | 11.0705% | 497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1921% | 2,899 |
| Loan loss allowance to noncurrent loans | 338.4006% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.2039% | 2,406 |
| Noncurrent loans to loans | 0.3523% | 2,221 |
| Net loans and leases to total assets | 57.1820% | 2,391 |
| Net loans and leases to deposits | 62.3968% | 2,683 |
| Net loans and leases to core deposits | 63.1146% | 2,877 |
| Total domestic deposits to total assets | 91.6424% | 730 |
| Equity capital to assets | 7.7722% | 3,751 |
| Core capital (leverage) ratio | 8.3970% | 3,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7367% | 2,329 |
| Memoranda: | ||
| Average total assets | $1,334,108,500 | 774 |
| Average earning assets | $1,280,589,500 | 752 |
| Average equity | $101,052,500 | 985 |
| Average total loans | $790,759,000 | 807 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7215% | 2,051 |
| Cost of funding earning assets | 0.0863% | 4,489 |
| Net interest margin | 3.6353% | 1,377 |
| Noninterest income to average assets | 0.2294% | 4,004 |
| Noninterest expense to average assets | 2.2653% | 2,900 |
| Loan and lease loss provision to assets | 0.0295% | 2,467 |
| Net operating income to assets | 1.0278% | 2,568 |
| Return on assets (ROA) | 1.0322% | 2,623 |
| Pretax return on assets | 1.4289% | 1,950 |
| Return on Equity (ROE) | 13.0771% | 1,437 |
| Retained earnings to average equity (ytd only) | 13.0771% | 388 |
| Net charge-offs to loans | -0.0749% | 4,488 |
| Credit loss provision to net charge-offs | -58.4775% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5055% | 3,081 |
| Assets per employee ($millions) | 11.0724% | 495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1825% | 2,964 |
| Loan loss allowance to noncurrent loans | 327.0478% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.2196% | 2,464 |
| Noncurrent loans to loans | 0.3616% | 2,289 |
| Net loans and leases to total assets | 60.0140% | 2,162 |
| Net loans and leases to deposits | 65.2287% | 2,575 |
| Net loans and leases to core deposits | 66.0865% | 2,811 |
| Total domestic deposits to total assets | 92.0055% | 177 |
| Equity capital to assets | 7.3685% | 4,632 |
| Core capital (leverage) ratio | 7.2348% | 4,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1663% | 2,848 |
| Memoranda: | ||
| Average total assets | $1,146,022,000 | 862 |
| Average earning assets | $1,099,839,600 | 836 |
| Average equity | $90,455,600 | 1,096 |
| Average total loans | $771,456,000 | 816 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8660% | 1,870 |
| Cost of funding earning assets | 0.0933% | 4,551 |
| Net interest margin | 3.7727% | 1,172 |
| Noninterest income to average assets | 0.2586% | 3,849 |
| Noninterest expense to average assets | 2.3207% | 2,688 |
| Loan and lease loss provision to assets | 0.0408% | 2,182 |
| Net operating income to assets | 1.0904% | 2,593 |
| Return on assets (ROA) | 1.0950% | 2,632 |
| Pretax return on assets | 1.5187% | 1,947 |
| Return on Equity (ROE) | 13.6055% | 1,515 |
| Retained earnings to average equity (ytd only) | 13.6055% | 557 |
| Net charge-offs to loans | -0.0994% | 4,612 |
| Credit loss provision to net charge-offs | -59.1944% | 3,160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4816% | 3,070 |
| Assets per employee ($millions) | 10.5024% | 557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2032% | 2,976 |
| Loan loss allowance to noncurrent loans | 316.3293% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.2433% | 2,564 |
| Noncurrent loans to loans | 0.3804% | 2,417 |
| Net loans and leases to total assets | 63.1964% | 1,866 |
| Net loans and leases to deposits | 69.0079% | 2,330 |
| Net loans and leases to core deposits | 69.9680% | 2,601 |
| Total domestic deposits to total assets | 91.5785% | 219 |
| Equity capital to assets | 7.7010% | 4,651 |
| Core capital (leverage) ratio | 7.5863% | 4,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2794% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,105,892,500 | 893 |
| Average earning assets | $1,059,905,250 | 869 |
| Average equity | $89,001,250 | 1,129 |
| Average total loans | $765,947,500 | 838 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9685% | 1,639 |
| Cost of funding earning assets | 0.1021% | 4,568 |
| Net interest margin | 3.8664% | 1,033 |
| Noninterest income to average assets | 0.2527% | 3,881 |
| Noninterest expense to average assets | 2.2920% | 2,793 |
| Loan and lease loss provision to assets | 0.0633% | 1,780 |
| Net operating income to assets | 1.1430% | 2,394 |
| Return on assets (ROA) | 1.1479% | 2,438 |
| Pretax return on assets | 1.6029% | 1,728 |
| Return on Equity (ROE) | 14.0328% | 1,403 |
| Retained earnings to average equity (ytd only) | 14.0328% | 539 |
| Net charge-offs to loans | -0.1492% | 4,729 |
| Credit loss provision to net charge-offs | -59.5070% | 3,001 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5739% | 3,333 |
| Assets per employee ($millions) | 9.5070% | 710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2055% | 2,906 |
| Loan loss allowance to noncurrent loans | 274.6264% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.2967% | 2,440 |
| Noncurrent loans to loans | 0.4390% | 2,357 |
| Net loans and leases to total assets | 66.7729% | 1,606 |
| Net loans and leases to deposits | 73.0517% | 2,103 |
| Net loans and leases to core deposits | 74.3394% | 2,376 |
| Total domestic deposits to total assets | 91.4049% | 253 |
| Equity capital to assets | 7.8942% | 4,581 |
| Core capital (leverage) ratio | 7.9007% | 4,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4260% | 2,879 |
| Memoranda: | ||
| Average total assets | $1,068,431,667 | 915 |
| Average earning assets | $1,022,255,333 | 890 |
| Average equity | $87,395,333 | 1,135 |
| Average total loans | $761,502,667 | 841 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8308% | 2,010 |
| Cost of funding earning assets | 0.1071% | 4,612 |
| Net interest margin | 3.7236% | 1,279 |
| Noninterest income to average assets | 0.2301% | 4,003 |
| Noninterest expense to average assets | 2.2716% | 2,874 |
| Loan and lease loss provision to assets | 0.1316% | 1,039 |
| Net operating income to assets | 0.9865% | 2,849 |
| Return on assets (ROA) | 0.9966% | 2,910 |
| Pretax return on assets | 1.3988% | 2,280 |
| Return on Equity (ROE) | 11.9504% | 2,038 |
| Retained earnings to average equity (ytd only) | 11.9504% | 1,162 |
| Net charge-offs to loans | -0.0064% | 3,490 |
| Credit loss provision to net charge-offs | -2,816.6667% | 3,615 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4883% | 3,091 |
| Assets per employee ($millions) | 9.1817% | 781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1290% | 3,293 |
| Loan loss allowance to noncurrent loans | 245.7358% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.3312% | 2,484 |
| Noncurrent loans to loans | 0.4594% | 2,477 |
| Net loans and leases to total assets | 71.2666% | 1,117 |
| Net loans and leases to deposits | 78.5353% | 1,666 |
| Net loans and leases to core deposits | 79.8479% | 2,015 |
| Total domestic deposits to total assets | 90.7446% | 494 |
| Equity capital to assets | 7.9798% | 4,504 |
| Core capital (leverage) ratio | 8.2137% | 4,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5457% | 2,807 |
| Memoranda: | ||
| Average total assets | $1,027,474,500 | 936 |
| Average earning assets | $982,053,000 | 911 |
| Average equity | $85,687,500 | 1,145 |
| Average total loans | $753,508,000 | 847 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3910% | 1,615 |
| Cost of funding earning assets | 0.2619% | 4,331 |
| Net interest margin | 4.1291% | 742 |
| Noninterest income to average assets | 0.2446% | 4,022 |
| Noninterest expense to average assets | 2.7063% | 2,221 |
| Loan and lease loss provision to assets | 0.2484% | 1,551 |
| Net operating income to assets | 0.8512% | 2,894 |
| Return on assets (ROA) | 0.8646% | 2,983 |
| Pretax return on assets | 1.2118% | 2,287 |
| Return on Equity (ROE) | 9.2196% | 2,303 |
| Retained earnings to average equity (ytd only) | 9.2196% | 725 |
| Net charge-offs to loans | 0.0028% | 3,282 |
| Credit loss provision to net charge-offs | 11,157.8947% | 92 |
| Earnings coverage of net charge-offs (x) | 648.2105% | 180 |
| Efficiency ratio | 64.7134% | 2,719 |
| Assets per employee ($millions) | 8.6742% | 838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1661% | 3,129 |
| Loan loss allowance to noncurrent loans | 245.7052% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.3547% | 2,566 |
| Noncurrent loans to loans | 0.4746% | 2,549 |
| Net loans and leases to total assets | 73.8646% | 1,039 |
| Net loans and leases to deposits | 82.2844% | 1,635 |
| Net loans and leases to core deposits | 84.2011% | 2,019 |
| Total domestic deposits to total assets | 89.7674% | 651 |
| Equity capital to assets | 8.7410% | 4,260 |
| Core capital (leverage) ratio | 8.1558% | 4,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6960% | 2,733 |
| Memoranda: | ||
| Average total assets | $853,329,400 | 1,006 |
| Average earning assets | $807,028,400 | 996 |
| Average equity | $80,025,000 | 1,160 |
| Average total loans | $672,181,800 | 897 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4528% | 1,695 |
| Cost of funding earning assets | 0.3120% | 4,261 |
| Net interest margin | 4.1408% | 825 |
| Noninterest income to average assets | 0.2386% | 4,063 |
| Noninterest expense to average assets | 2.7442% | 2,135 |
| Loan and lease loss provision to assets | 0.2754% | 1,456 |
| Net operating income to assets | 0.7956% | 3,110 |
| Return on assets (ROA) | 0.8093% | 3,177 |
| Pretax return on assets | 1.1438% | 2,584 |
| Return on Equity (ROE) | 8.4599% | 2,618 |
| Retained earnings to average equity (ytd only) | 8.4599% | 1,151 |
| Net charge-offs to loans | 0.0057% | 2,938 |
| Credit loss provision to net charge-offs | 6,078.5714% | 187 |
| Earnings coverage of net charge-offs (x) | 309.3571% | 348 |
| Efficiency ratio | 65.6634% | 2,510 |
| Assets per employee ($millions) | 7.9502% | 1,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1153% | 3,129 |
| Loan loss allowance to noncurrent loans | 67,000.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 4,532 |
| Noncurrent loans to loans | 0.0017% | 4,460 |
| Net loans and leases to total assets | 76.6390% | 1,013 |
| Net loans and leases to deposits | 86.0120% | 1,705 |
| Net loans and leases to core deposits | 88.0642% | 2,138 |
| Total domestic deposits to total assets | 89.1026% | 726 |
| Equity capital to assets | 8.8265% | 4,237 |
| Core capital (leverage) ratio | 8.4907% | 4,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0678% | 2,588 |
| Memoranda: | ||
| Average total assets | $823,785,000 | 1,022 |
| Average earning assets | $777,378,750 | 1,004 |
| Average equity | $78,801,500 | 1,165 |
| Average total loans | $658,710,500 | 907 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5746% | 1,710 |
| Cost of funding earning assets | 0.3947% | 4,056 |
| Net interest margin | 4.1800% | 968 |
| Noninterest income to average assets | 0.2626% | 3,898 |
| Noninterest expense to average assets | 2.8496% | 1,976 |
| Loan and lease loss provision to assets | 0.3788% | 1,098 |
| Net operating income to assets | 0.6915% | 3,416 |
| Return on assets (ROA) | 0.6941% | 3,513 |
| Pretax return on assets | 0.9712% | 3,107 |
| Return on Equity (ROE) | 7.0423% | 3,117 |
| Retained earnings to average equity (ytd only) | 7.0423% | 1,647 |
| Net charge-offs to loans | -0.0097% | 4,204 |
| Credit loss provision to net charge-offs | -4,816.1290% | 4,092 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3700% | 2,326 |
| Assets per employee ($millions) | 7.9167% | 1,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0781% | 3,190 |
| Loan loss allowance to noncurrent loans | 19,725.0000% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 4,576 |
| Noncurrent loans to loans | 0.0055% | 4,501 |
| Net loans and leases to total assets | 80.2155% | 571 |
| Net loans and leases to deposits | 91.2742% | 1,235 |
| Net loans and leases to core deposits | 93.8504% | 1,754 |
| Total domestic deposits to total assets | 87.8840% | 1,240 |
| Equity capital to assets | 8.8338% | 4,230 |
| Core capital (leverage) ratio | 8.8698% | 4,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5447% | 2,795 |
| Memoranda: | ||
| Average total assets | $788,323,667 | 1,040 |
| Average earning assets | $741,871,000 | 1,025 |
| Average equity | $77,701,667 | 1,166 |
| Average total loans | $637,976,667 | 917 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8253% | 1,358 |
| Cost of funding earning assets | 0.5345% | 3,772 |
| Net interest margin | 4.2908% | 772 |
| Noninterest income to average assets | 0.3468% | 3,440 |
| Noninterest expense to average assets | 3.0256% | 1,823 |
| Loan and lease loss provision to assets | 0.4283% | 706 |
| Net operating income to assets | 0.6518% | 3,443 |
| Return on assets (ROA) | 0.6406% | 3,540 |
| Pretax return on assets | 0.8966% | 3,147 |
| Return on Equity (ROE) | 6.1077% | 3,279 |
| Retained earnings to average equity (ytd only) | 6.1077% | 1,832 |
| Net charge-offs to loans | -0.0149% | 4,215 |
| Credit loss provision to net charge-offs | -3,559.0909% | 3,819 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7555% | 2,546 |
| Assets per employee ($millions) | 6.3544% | 1,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1880% | 2,734 |
| Loan loss allowance to noncurrent loans | 2,102.9326% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0459% | 4,381 |
| Noncurrent loans to loans | 0.0565% | 4,328 |
| Net loans and leases to total assets | 80.2267% | 671 |
| Net loans and leases to deposits | 92.4099% | 1,234 |
| Net loans and leases to core deposits | 97.0986% | 1,710 |
| Total domestic deposits to total assets | 86.8161% | 1,644 |
| Equity capital to assets | 10.3887% | 3,431 |
| Core capital (leverage) ratio | 10.0440% | 3,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3024% | 3,005 |
| Memoranda: | ||
| Average total assets | $731,234,000 | 1,069 |
| Average earning assets | $684,724,000 | 1,058 |
| Average equity | $76,690,000 | 1,179 |
| Average total loans | $591,046,500 | 952 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0316% | 1,391 |
| Cost of funding earning assets | 0.6823% | 3,250 |
| Net interest margin | 4.3492% | 985 |
| Noninterest income to average assets | 0.3150% | 3,810 |
| Noninterest expense to average assets | 2.9432% | 2,162 |
| Loan and lease loss provision to assets | 0.1209% | 1,754 |
| Net operating income to assets | 0.9420% | 3,051 |
| Return on assets (ROA) | 0.9590% | 3,070 |
| Pretax return on assets | 1.3349% | 2,380 |
| Return on Equity (ROE) | 8.9942% | 2,761 |
| Retained earnings to average equity (ytd only) | 8.9942% | 711 |
| Net charge-offs to loans | -0.0032% | 4,274 |
| Credit loss provision to net charge-offs | -4,741.1765% | 4,659 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6210% | 2,675 |
| Assets per employee ($millions) | 6.4196% | 1,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1003% | 2,953 |
| Loan loss allowance to noncurrent loans | 2,241.1972% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.0395% | 4,440 |
| Noncurrent loans to loans | 0.0491% | 4,351 |
| Net loans and leases to total assets | 79.5684% | 844 |
| Net loans and leases to deposits | 92.1004% | 1,357 |
| Net loans and leases to core deposits | 97.9419% | 1,735 |
| Total domestic deposits to total assets | 86.3932% | 1,887 |
| Equity capital to assets | 10.5901% | 3,355 |
| Core capital (leverage) ratio | 10.0442% | 3,467 |
| Tier 1 risk-based capital ratio | 11.3498% | 4,708 |
| Total risk-based capital ratio | 12.3961% | 4,690 |
| Memoranda: | ||
| Average total assets | $666,661,600 | 1,125 |
| Average earning assets | $622,708,400 | 1,107 |
| Average equity | $71,079,400 | 1,208 |
| Average total loans | $539,508,200 | 999 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0634% | 1,380 |
| Cost of funding earning assets | 0.6815% | 3,300 |
| Net interest margin | 4.3819% | 985 |
| Noninterest income to average assets | 0.3115% | 3,882 |
| Noninterest expense to average assets | 2.9421% | 2,120 |
| Loan and lease loss provision to assets | 0.1226% | 1,591 |
| Net operating income to assets | 0.9693% | 3,085 |
| Return on assets (ROA) | 0.9841% | 3,116 |
| Pretax return on assets | 1.3605% | 2,461 |
| Return on Equity (ROE) | 9.2129% | 2,798 |
| Retained earnings to average equity (ytd only) | 9.2129% | 985 |
| Net charge-offs to loans | -0.0005% | 3,971 |
| Credit loss provision to net charge-offs | -30,050.0000% | 4,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1481% | 2,706 |
| Assets per employee ($millions) | 6.2263% | 1,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1214% | 2,924 |
| Loan loss allowance to noncurrent loans | 2,226.4493% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.0396% | 4,521 |
| Noncurrent loans to loans | 0.0504% | 4,421 |
| Net loans and leases to total assets | 77.6966% | 1,186 |
| Net loans and leases to deposits | 89.8115% | 1,723 |
| Net loans and leases to core deposits | 96.9067% | 1,916 |
| Total domestic deposits to total assets | 86.5108% | 1,768 |
| Equity capital to assets | 10.6894% | 3,388 |
| Core capital (leverage) ratio | 10.3168% | 3,294 |
| Tier 1 risk-based capital ratio | 11.5635% | 4,640 |
| Total risk-based capital ratio | 12.6248% | 4,627 |
| Memoranda: | ||
| Average total assets | $653,577,000 | 1,141 |
| Average earning assets | $610,775,250 | 1,125 |
| Average equity | $69,813,500 | 1,224 |
| Average total loans | $529,769,750 | 1,016 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0865% | 1,249 |
| Cost of funding earning assets | 0.6768% | 3,292 |
| Net interest margin | 4.4098% | 925 |
| Noninterest income to average assets | 0.3027% | 3,909 |
| Noninterest expense to average assets | 2.9087% | 2,260 |
| Loan and lease loss provision to assets | 0.1239% | 1,503 |
| Net operating income to assets | 1.0230% | 2,831 |
| Return on assets (ROA) | 1.0247% | 2,909 |
| Pretax return on assets | 1.4000% | 2,211 |
| Return on Equity (ROE) | 9.5959% | 2,593 |
| Retained earnings to average equity (ytd only) | 9.5959% | 883 |
| Net charge-offs to loans | 0.0210% | 2,436 |
| Credit loss provision to net charge-offs | 720.0000% | 455 |
| Earnings coverage of net charge-offs (x) | 88.4000% | 756 |
| Efficiency ratio | 65.0230% | 2,972 |
| Assets per employee ($millions) | 6.4862% | 1,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0857% | 3,139 |
| Loan loss allowance to noncurrent loans | 2,093.5943% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.0425% | 4,557 |
| Noncurrent loans to loans | 0.0519% | 4,454 |
| Net loans and leases to total assets | 81.0148% | 732 |
| Net loans and leases to deposits | 94.8900% | 1,163 |
| Net loans and leases to core deposits | 102.2039% | 1,536 |
| Total domestic deposits to total assets | 85.3777% | 2,318 |
| Equity capital to assets | 11.0250% | 3,017 |
| Core capital (leverage) ratio | 10.4794% | 3,121 |
| Tier 1 risk-based capital ratio | 11.5641% | 4,652 |
| Total risk-based capital ratio | 12.6099% | 4,654 |
| Memoranda: | ||
| Average total assets | $638,988,670 | 1,161 |
| Average earning assets | $598,127,670 | 1,141 |
| Average equity | $68,237,330 | 1,234 |
| Average total loans | $523,707,670 | 1,026 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1334% | 1,033 |
| Cost of funding earning assets | 0.6567% | 3,282 |
| Net interest margin | 4.4767% | 772 |
| Noninterest income to average assets | 0.2606% | 4,145 |
| Noninterest expense to average assets | 2.8670% | 2,367 |
| Loan and lease loss provision to assets | 0.1115% | 1,591 |
| Net operating income to assets | 1.1211% | 2,388 |
| Return on assets (ROA) | 1.1267% | 2,414 |
| Pretax return on assets | 1.4899% | 1,804 |
| Return on Equity (ROE) | 10.7337% | 2,061 |
| Retained earnings to average equity (ytd only) | 10.7337% | 870 |
| Net charge-offs to loans | 0.0443% | 1,642 |
| Credit loss provision to net charge-offs | 307.0175% | 808 |
| Earnings coverage of net charge-offs (x) | 43.8947% | 1,094 |
| Efficiency ratio | 63.6195% | 3,296 |
| Assets per employee ($millions) | 6.5184% | 1,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0869% | 3,196 |
| Loan loss allowance to noncurrent loans | 1,938.6986% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 4,599 |
| Noncurrent loans to loans | 0.0561% | 4,516 |
| Net loans and leases to total assets | 80.6503% | 763 |
| Net loans and leases to deposits | 94.3078% | 1,139 |
| Net loans and leases to core deposits | 101.3270% | 1,514 |
| Total domestic deposits to total assets | 85.5182% | 2,476 |
| Equity capital to assets | 11.0964% | 2,747 |
| Core capital (leverage) ratio | 10.5503% | 2,995 |
| Tier 1 risk-based capital ratio | 11.7551% | 4,588 |
| Total risk-based capital ratio | 12.8059% | 4,599 |
| Memoranda: | ||
| Average total assets | $627,688,000 | 1,184 |
| Average earning assets | $589,004,000 | 1,170 |
| Average equity | $65,886,000 | 1,269 |
| Average total loans | $514,627,000 | 1,046 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0401% | 958 |
| Cost of funding earning assets | 0.3914% | 4,038 |
| Net interest margin | 4.6487% | 544 |
| Noninterest income to average assets | 0.1892% | 4,773 |
| Noninterest expense to average assets | 2.8573% | 2,496 |
| Loan and lease loss provision to assets | 0.2269% | 785 |
| Net operating income to assets | 1.0340% | 2,867 |
| Return on assets (ROA) | 1.0326% | 2,859 |
| Pretax return on assets | 1.4615% | 1,909 |
| Return on Equity (ROE) | 10.2275% | 2,429 |
| Retained earnings to average equity (ytd only) | 10.2275% | 587 |
| Net charge-offs to loans | 0.0026% | 3,644 |
| Credit loss provision to net charge-offs | 10,783.3333% | 42 |
| Earnings coverage of net charge-offs (x) | 803.3333% | 134 |
| Efficiency ratio | 62.1443% | 3,494 |
| Assets per employee ($millions) | 6.4903% | 1,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0903% | 3,167 |
| Loan loss allowance to noncurrent loans | 1,588.2521% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.0566% | 4,561 |
| Noncurrent loans to loans | 0.0686% | 4,445 |
| Net loans and leases to total assets | 81.5561% | 719 |
| Net loans and leases to deposits | 97.9636% | 907 |
| Net loans and leases to core deposits | 107.7816% | 1,133 |
| Total domestic deposits to total assets | 83.2515% | 3,245 |
| Equity capital to assets | 9.8752% | 3,792 |
| Core capital (leverage) ratio | 9.2057% | 4,451 |
| Tier 1 risk-based capital ratio | 10.3015% | 5,244 |
| Total risk-based capital ratio | 11.3626% | 5,222 |
| Memoranda: | ||
| Average total assets | $570,392,000 | 1,247 |
| Average earning assets | $534,746,000 | 1,240 |
| Average equity | $57,590,000 | 1,372 |
| Average total loans | $464,431,800 | 1,122 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9510% | 1,040 |
| Cost of funding earning assets | 0.3410% | 4,242 |
| Net interest margin | 4.6100% | 585 |
| Noninterest income to average assets | 0.2209% | 4,643 |
| Noninterest expense to average assets | 2.8513% | 2,456 |
| Loan and lease loss provision to assets | 0.2207% | 752 |
| Net operating income to assets | 1.0490% | 2,868 |
| Return on assets (ROA) | 1.0488% | 2,880 |
| Pretax return on assets | 1.4675% | 2,007 |
| Return on Equity (ROE) | 10.3253% | 2,470 |
| Retained earnings to average equity (ytd only) | 10.3253% | 816 |
| Net charge-offs to loans | -0.0032% | 4,147 |
| Credit loss provision to net charge-offs | -8,409.0909% | 4,895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1032% | 3,498 |
| Assets per employee ($millions) | 6.4738% | 1,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0617% | 3,402 |
| Loan loss allowance to noncurrent loans | 1,447.3538% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.0609% | 4,672 |
| Noncurrent loans to loans | 0.0734% | 4,547 |
| Net loans and leases to total assets | 82.1919% | 683 |
| Net loans and leases to deposits | 96.1398% | 1,140 |
| Net loans and leases to core deposits | 102.6178% | 1,550 |
| Total domestic deposits to total assets | 85.4921% | 2,399 |
| Equity capital to assets | 10.0254% | 3,613 |
| Core capital (leverage) ratio | 9.1323% | 4,583 |
| Tier 1 risk-based capital ratio | 10.3453% | 5,280 |
| Total risk-based capital ratio | 11.3836% | 5,286 |
| Memoranda: | ||
| Average total assets | $558,846,500 | 1,275 |
| Average earning assets | $523,543,750 | 1,263 |
| Average equity | $56,765,500 | 1,387 |
| Average total loans | $453,440,500 | 1,144 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8680% | 1,090 |
| Cost of funding earning assets | 0.2771% | 4,577 |
| Net interest margin | 4.5908% | 561 |
| Noninterest income to average assets | 0.2183% | 4,712 |
| Noninterest expense to average assets | 2.8530% | 2,488 |
| Loan and lease loss provision to assets | 0.2300% | 697 |
| Net operating income to assets | 1.0263% | 2,910 |
| Return on assets (ROA) | 1.0303% | 2,894 |
| Pretax return on assets | 1.4331% | 2,043 |
| Return on Equity (ROE) | 10.0964% | 2,521 |
| Retained earnings to average equity (ytd only) | 10.0964% | 905 |
| Net charge-offs to loans | -0.0018% | 3,936 |
| Credit loss provision to net charge-offs | -15,775.0000% | 4,833 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5273% | 3,556 |
| Assets per employee ($millions) | 6.7189% | 1,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0244% | 3,689 |
| Loan loss allowance to noncurrent loans | 1,363.5097% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.0607% | 4,715 |
| Noncurrent loans to loans | 0.0751% | 4,585 |
| Net loans and leases to total assets | 79.9890% | 1,024 |
| Net loans and leases to deposits | 88.9638% | 1,986 |
| Net loans and leases to core deposits | 102.4831% | 1,529 |
| Total domestic deposits to total assets | 89.9119% | 601 |
| Equity capital to assets | 9.7226% | 3,897 |
| Core capital (leverage) ratio | 9.3628% | 4,288 |
| Tier 1 risk-based capital ratio | 10.2638% | 5,351 |
| Total risk-based capital ratio | 11.2657% | 5,366 |
| Memoranda: | ||
| Average total assets | $548,757,000 | 1,294 |
| Average earning assets | $513,108,670 | 1,287 |
| Average equity | $56,000,330 | 1,400 |
| Average total loans | $441,453,670 | 1,162 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8699% | 931 |
| Cost of funding earning assets | 0.2335% | 4,807 |
| Net interest margin | 4.6364% | 464 |
| Noninterest income to average assets | 0.2290% | 4,635 |
| Noninterest expense to average assets | 2.9528% | 2,197 |
| Loan and lease loss provision to assets | 0.2032% | 817 |
| Net operating income to assets | 1.0252% | 2,751 |
| Return on assets (ROA) | 1.0252% | 2,771 |
| Pretax return on assets | 1.3937% | 2,033 |
| Return on Equity (ROE) | 9.7869% | 2,543 |
| Retained earnings to average equity (ytd only) | 9.7869% | 1,225 |
| Net charge-offs to loans | -0.0009% | 3,754 |
| Credit loss provision to net charge-offs | -26,800.0000% | 4,546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1500% | 3,459 |
| Assets per employee ($millions) | 6.5836% | 1,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0475% | 3,678 |
| Loan loss allowance to noncurrent loans | 1,244.2308% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.0674% | 4,754 |
| Noncurrent loans to loans | 0.0842% | 4,609 |
| Net loans and leases to total assets | 79.2485% | 1,042 |
| Net loans and leases to deposits | 90.5786% | 1,617 |
| Net loans and leases to core deposits | 104.8220% | 1,322 |
| Total domestic deposits to total assets | 87.4914% | 1,902 |
| Equity capital to assets | 10.3416% | 3,226 |
| Core capital (leverage) ratio | 9.5784% | 3,987 |
| Tier 1 risk-based capital ratio | 10.8728% | 5,203 |
| Total risk-based capital ratio | 11.8955% | 5,204 |
| Memoranda: | ||
| Average total assets | $527,506,000 | 1,355 |
| Average earning assets | $491,593,000 | 1,345 |
| Average equity | $55,257,500 | 1,421 |
| Average total loans | $423,262,000 | 1,209 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9437% | 718 |
| Cost of funding earning assets | 0.2299% | 4,729 |
| Net interest margin | 4.7137% | 412 |
| Noninterest income to average assets | 0.2176% | 4,850 |
| Noninterest expense to average assets | 2.8119% | 2,731 |
| Loan and lease loss provision to assets | 0.1871% | 1,132 |
| Net operating income to assets | 0.7238% | 3,501 |
| Return on assets (ROA) | 0.7238% | 3,543 |
| Pretax return on assets | 1.5752% | 1,363 |
| Return on Equity (ROE) | 6.6619% | 3,446 |
| Retained earnings to average equity (ytd only) | 6.6619% | 1,205 |
| Net charge-offs to loans | 0.0056% | 3,886 |
| Credit loss provision to net charge-offs | 4,154.5455% | 98 |
| Earnings coverage of net charge-offs (x) | 391.3182% | 224 |
| Efficiency ratio | 60.6713% | 4,161 |
| Assets per employee ($millions) | 6.6903% | 1,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0286% | 3,754 |
| Loan loss allowance to noncurrent loans | 760.7143% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.1087% | 4,586 |
| Noncurrent loans to loans | 0.1352% | 4,388 |
| Net loans and leases to total assets | 79.5696% | 1,022 |
| Net loans and leases to deposits | 91.3425% | 1,608 |
| Net loans and leases to core deposits | 102.8308% | 1,502 |
| Total domestic deposits to total assets | 87.1112% | 1,938 |
| Equity capital to assets | 10.6153% | 3,033 |
| Core capital (leverage) ratio | 9.5424% | 3,988 |
| Tier 1 risk-based capital ratio | 11.1962% | 5,036 |
| Total risk-based capital ratio | 12.2126% | 5,048 |
| Memoranda: | ||
| Average total assets | $488,502,600 | 1,435 |
| Average earning assets | $451,488,200 | 1,431 |
| Average equity | $53,078,000 | 1,454 |
| Average total loans | $391,431,400 | 1,259 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9807% | 636 |
| Cost of funding earning assets | 0.2286% | 4,749 |
| Net interest margin | 4.7522% | 374 |
| Noninterest income to average assets | 0.2288% | 4,844 |
| Noninterest expense to average assets | 2.8072% | 2,698 |
| Loan and lease loss provision to assets | 0.1956% | 977 |
| Net operating income to assets | 0.9688% | 2,700 |
| Return on assets (ROA) | 0.9688% | 2,753 |
| Pretax return on assets | 1.6099% | 1,383 |
| Return on Equity (ROE) | 8.8615% | 2,691 |
| Retained earnings to average equity (ytd only) | 8.8615% | 893 |
| Net charge-offs to loans | -0.0003% | 4,247 |
| Credit loss provision to net charge-offs | -70,700.0000% | 5,251 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0540% | 4,205 |
| Assets per employee ($millions) | 6.8197% | 1,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0041% | 4,028 |
| Loan loss allowance to noncurrent loans | 1,132.2222% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.0695% | 4,887 |
| Noncurrent loans to loans | 0.0887% | 4,716 |
| Net loans and leases to total assets | 77.5375% | 1,341 |
| Net loans and leases to deposits | 86.9702% | 2,190 |
| Net loans and leases to core deposits | 97.8274% | 1,901 |
| Total domestic deposits to total assets | 89.1540% | 802 |
| Equity capital to assets | 10.5431% | 3,323 |
| Core capital (leverage) ratio | 9.5205% | 4,141 |
| Tier 1 risk-based capital ratio | 11.2412% | 5,111 |
| Total risk-based capital ratio | 12.2332% | 5,145 |
| Memoranda: | ||
| Average total assets | $481,840,000 | 1,463 |
| Average earning assets | $444,502,500 | 1,463 |
| Average equity | $52,676,250 | 1,475 |
| Average total loans | $385,748,000 | 1,280 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9524% | 609 |
| Cost of funding earning assets | 0.2253% | 4,755 |
| Net interest margin | 4.7271% | 373 |
| Noninterest income to average assets | 0.2376% | 4,817 |
| Noninterest expense to average assets | 2.8513% | 2,579 |
| Loan and lease loss provision to assets | 0.2721% | 584 |
| Net operating income to assets | 0.9019% | 2,902 |
| Return on assets (ROA) | 0.9019% | 2,954 |
| Pretax return on assets | 1.4733% | 1,746 |
| Return on Equity (ROE) | 8.1430% | 2,944 |
| Retained earnings to average equity (ytd only) | 8.1430% | 1,105 |
| Net charge-offs to loans | 0.0026% | 3,410 |
| Credit loss provision to net charge-offs | 12,780.0000% | 21 |
| Earnings coverage of net charge-offs (x) | 819.8000% | 88 |
| Efficiency ratio | 61.2043% | 4,132 |
| Assets per employee ($millions) | 7.4036% | 775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0081% | 4,095 |
| Loan loss allowance to noncurrent loans | 1,231.0769% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.0655% | 4,942 |
| Noncurrent loans to loans | 0.0819% | 4,805 |
| Net loans and leases to total assets | 79.2028% | 1,065 |
| Net loans and leases to deposits | 89.3873% | 1,818 |
| Net loans and leases to core deposits | 99.1846% | 1,707 |
| Total domestic deposits to total assets | 88.6063% | 1,157 |
| Equity capital to assets | 10.7282% | 3,108 |
| Core capital (leverage) ratio | 9.8434% | 3,724 |
| Tier 1 risk-based capital ratio | 11.1667% | 5,166 |
| Total risk-based capital ratio | 12.1651% | 5,207 |
| Memoranda: | ||
| Average total assets | $469,688,670 | 1,496 |
| Average earning assets | $433,121,000 | 1,509 |
| Average equity | $52,020,330 | 1,493 |
| Average total loans | $379,014,670 | 1,300 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9594% | 557 |
| Cost of funding earning assets | 0.2131% | 4,856 |
| Net interest margin | 4.7463% | 346 |
| Noninterest income to average assets | 0.2383% | 4,834 |
| Noninterest expense to average assets | 2.8915% | 2,478 |
| Loan and lease loss provision to assets | 0.3391% | 362 |
| Net operating income to assets | 0.8368% | 3,052 |
| Return on assets (ROA) | 0.8368% | 3,102 |
| Pretax return on assets | 1.3984% | 1,899 |
| Return on Equity (ROE) | 7.4287% | 3,200 |
| Retained earnings to average equity (ytd only) | 7.4287% | 1,685 |
| Net charge-offs to loans | 0.0216% | 2,343 |
| Credit loss provision to net charge-offs | 1,935.0000% | 178 |
| Earnings coverage of net charge-offs (x) | 99.1500% | 537 |
| Efficiency ratio | 61.6127% | 4,211 |
| Assets per employee ($millions) | 6.8636% | 1,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9734% | 4,428 |
| Loan loss allowance to noncurrent loans | 1,026.0989% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.0780% | 4,960 |
| Noncurrent loans to loans | 0.0949% | 4,809 |
| Net loans and leases to total assets | 81.4098% | 636 |
| Net loans and leases to deposits | 92.2845% | 1,300 |
| Net loans and leases to core deposits | 99.6120% | 1,532 |
| Total domestic deposits to total assets | 88.2162% | 1,585 |
| Equity capital to assets | 11.1164% | 2,515 |
| Core capital (leverage) ratio | 10.1887% | 3,253 |
| Tier 1 risk-based capital ratio | 11.1189% | 5,250 |
| Total risk-based capital ratio | 12.0770% | 5,316 |
| Memoranda: | ||
| Average total assets | $456,514,000 | 1,548 |
| Average earning assets | $422,308,000 | 1,553 |
| Average equity | $51,422,500 | 1,503 |
| Average total loans | $370,083,500 | 1,333 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6757% | 200 |
| Cost of funding earning assets | 0.2174% | 4,865 |
| Net interest margin | 5.4583% | 118 |
| Noninterest income to average assets | 0.2955% | 4,627 |
| Noninterest expense to average assets | 3.4801% | 1,208 |
| Loan and lease loss provision to assets | 0.1261% | 1,969 |
| Net operating income to assets | 1.0309% | 2,226 |
| Return on assets (ROA) | 1.0309% | 2,323 |
| Pretax return on assets | 1.7538% | 880 |
| Return on Equity (ROE) | 9.2251% | 2,303 |
| Retained earnings to average equity (ytd only) | 9.2251% | 537 |
| Net charge-offs to loans | -0.0490% | 5,391 |
| Credit loss provision to net charge-offs | -315.6250% | 5,090 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0944% | 3,920 |
| Assets per employee ($millions) | 6.5633% | 1,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9448% | 4,605 |
| Loan loss allowance to noncurrent loans | 943.4174% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.0800% | 5,023 |
| Noncurrent loans to loans | 0.1001% | 4,836 |
| Net loans and leases to total assets | 79.1176% | 1,026 |
| Net loans and leases to deposits | 90.1185% | 1,670 |
| Net loans and leases to core deposits | 95.7448% | 1,943 |
| Total domestic deposits to total assets | 87.7928% | 1,750 |
| Equity capital to assets | 11.4187% | 2,231 |
| Core capital (leverage) ratio | 9.7465% | 3,806 |
| Tier 1 risk-based capital ratio | 11.5997% | 4,984 |
| Total risk-based capital ratio | 12.5195% | 5,085 |
| Memoranda: | ||
| Average total assets | $400,623,800 | 1,680 |
| Average earning assets | $371,707,200 | 1,674 |
| Average equity | $44,769,200 | 1,667 |
| Average total loans | $326,340,600 | 1,427 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7636% | 176 |
| Cost of funding earning assets | 0.2422% | 4,679 |
| Net interest margin | 5.5215% | 107 |
| Noninterest income to average assets | 0.2768% | 4,791 |
| Noninterest expense to average assets | 3.5768% | 1,031 |
| Loan and lease loss provision to assets | 0.1329% | 1,764 |
| Net operating income to assets | 1.0329% | 2,275 |
| Return on assets (ROA) | 1.0329% | 2,402 |
| Pretax return on assets | 1.6988% | 1,118 |
| Return on Equity (ROE) | 9.3008% | 2,358 |
| Retained earnings to average equity (ytd only) | 9.3008% | 735 |
| Net charge-offs to loans | -0.0565% | 5,405 |
| Credit loss provision to net charge-offs | -287.4074% | 4,945 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0811% | 3,750 |
| Assets per employee ($millions) | 6.9194% | 916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9288% | 4,760 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 74.2274% | 1,831 |
| Net loans and leases to deposits | 87.7463% | 2,047 |
| Net loans and leases to core deposits | 93.1592% | 2,260 |
| Total domestic deposits to total assets | 84.5932% | 2,990 |
| Equity capital to assets | 10.7321% | 3,330 |
| Core capital (leverage) ratio | 9.8188% | 3,791 |
| Tier 1 risk-based capital ratio | 11.9310% | 4,831 |
| Total risk-based capital ratio | 12.8519% | 4,940 |
| Memoranda: | ||
| Average total assets | $389,204,000 | 1,722 |
| Average earning assets | $361,729,500 | 1,717 |
| Average equity | $43,221,000 | 1,727 |
| Average total loans | $318,807,750 | 1,458 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1853% | 105 |
| Cost of funding earning assets | 0.2578% | 4,572 |
| Net interest margin | 5.9275% | 75 |
| Noninterest income to average assets | 0.2783% | 4,791 |
| Noninterest expense to average assets | 4.0005% | 592 |
| Loan and lease loss provision to assets | 0.1378% | 1,645 |
| Net operating income to assets | 0.8814% | 2,962 |
| Return on assets (ROA) | 0.8814% | 3,079 |
| Pretax return on assets | 1.6427% | 1,247 |
| Return on Equity (ROE) | 7.8259% | 3,071 |
| Retained earnings to average equity (ytd only) | 7.8259% | 1,231 |
| Net charge-offs to loans | -0.0459% | 5,328 |
| Credit loss provision to net charge-offs | -353.5211% | 4,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1477% | 3,313 |
| Assets per employee ($millions) | 6.4887% | 1,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8441% | 5,149 |
| Loan loss allowance to noncurrent loans | 6,872.7273% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0103% | 5,579 |
| Noncurrent loans to loans | 0.0123% | 5,449 |
| Net loans and leases to total assets | 82.9435% | 521 |
| Net loans and leases to deposits | 100.2939% | 674 |
| Net loans and leases to core deposits | 104.0811% | 1,314 |
| Total domestic deposits to total assets | 82.7005% | 3,758 |
| Equity capital to assets | 11.2326% | 2,817 |
| Core capital (leverage) ratio | 10.5413% | 2,921 |
| Tier 1 risk-based capital ratio | 11.8623% | 4,930 |
| Total risk-based capital ratio | 12.7372% | 5,051 |
| Memoranda: | ||
| Average total assets | $364,405,000 | 1,841 |
| Average earning assets | $338,288,000 | 1,838 |
| Average equity | $41,043,330 | 1,812 |
| Average total loans | $309,295,330 | 1,489 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2085% | 98 |
| Cost of funding earning assets | 0.2823% | 4,360 |
| Net interest margin | 5.9261% | 73 |
| Noninterest income to average assets | 0.2514% | 4,946 |
| Noninterest expense to average assets | 4.9182% | 286 |
| Loan and lease loss provision to assets | 0.1035% | 1,981 |
| Net operating income to assets | 0.2129% | 5,503 |
| Return on assets (ROA) | 0.2129% | 5,568 |
| Pretax return on assets | 0.7603% | 4,339 |
| Return on Equity (ROE) | 1.8873% | 5,521 |
| Retained earnings to average equity (ytd only) | 1.8873% | 4,501 |
| Net charge-offs to loans | -0.0562% | 5,381 |
| Credit loss provision to net charge-offs | -215.0000% | 4,363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9159% | 1,165 |
| Assets per employee ($millions) | 6.6056% | 1,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7903% | 5,391 |
| Loan loss allowance to noncurrent loans | 1,673.3728% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.0406% | 5,463 |
| Noncurrent loans to loans | 0.0472% | 5,298 |
| Net loans and leases to total assets | 85.3037% | 274 |
| Net loans and leases to deposits | 96.9322% | 854 |
| Net loans and leases to core deposits | 106.2631% | 1,061 |
| Total domestic deposits to total assets | 88.0034% | 1,638 |
| Equity capital to assets | 11.1875% | 2,737 |
| Core capital (leverage) ratio | 10.1717% | 3,345 |
| Tier 1 risk-based capital ratio | 11.1920% | 5,398 |
| Total risk-based capital ratio | 11.9944% | 5,547 |
| Memoranda: | ||
| Average total assets | $332,480,500 | 2,009 |
| Average earning assets | $310,286,500 | 1,995 |
| Average equity | $37,513,000 | 1,962 |
| Average total loans | $284,826,500 | 1,591 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6763% | 1,159 |
| Cost of funding earning assets | 0.1854% | 5,393 |
| Net interest margin | 4.4909% | 669 |
| Noninterest income to average assets | 0.2423% | 5,145 |
| Noninterest expense to average assets | 3.2834% | 1,753 |
| Loan and lease loss provision to assets | 0.1527% | 1,537 |
| Net operating income to assets | 0.5632% | 4,450 |
| Return on assets (ROA) | 0.5632% | 4,540 |
| Pretax return on assets | 1.0598% | 3,227 |
| Return on Equity (ROE) | 4.6884% | 4,659 |
| Retained earnings to average equity (ytd only) | 4.6884% | 2,651 |
| Net charge-offs to loans | -0.1563% | 5,905 |
| Credit loss provision to net charge-offs | -124.7350% | 5,188 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0299% | 2,741 |
| Assets per employee ($millions) | 7.3179% | 779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2760% | 3,031 |
| Loan loss allowance to noncurrent loans | 2,017.1642% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.0539% | 5,454 |
| Noncurrent loans to loans | 0.0633% | 5,261 |
| Net loans and leases to total assets | 84.0520% | 386 |
| Net loans and leases to deposits | 95.4888% | 1,069 |
| Net loans and leases to core deposits | 103.0817% | 1,290 |
| Total domestic deposits to total assets | 88.0229% | 1,612 |
| Equity capital to assets | 11.4421% | 2,405 |
| Core capital (leverage) ratio | 11.8216% | 1,742 |
| Tier 1 risk-based capital ratio | 12.9930% | 4,322 |
| Total risk-based capital ratio | 14.2431% | 4,234 |
| Memoranda: | ||
| Average total assets | $231,165,000 | 2,652 |
| Average earning assets | $218,953,200 | 2,597 |
| Average equity | $27,770,400 | 2,485 |
| Average total loans | $181,041,600 | 2,230 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5998% | 1,327 |
| Cost of funding earning assets | 0.1897% | 5,467 |
| Net interest margin | 4.4101% | 779 |
| Noninterest income to average assets | 0.2528% | 5,130 |
| Noninterest expense to average assets | 3.2916% | 1,710 |
| Loan and lease loss provision to assets | 0.0958% | 2,256 |
| Net operating income to assets | 0.5504% | 4,586 |
| Return on assets (ROA) | 0.5504% | 4,687 |
| Pretax return on assets | 1.0484% | 3,423 |
| Return on Equity (ROE) | 4.5223% | 4,826 |
| Retained earnings to average equity (ytd only) | 4.5223% | 3,251 |
| Net charge-offs to loans | -0.1115% | 5,823 |
| Credit loss provision to net charge-offs | -112.4138% | 5,071 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2047% | 2,519 |
| Assets per employee ($millions) | 6.6782% | 987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2405% | 3,427 |
| Loan loss allowance to noncurrent loans | 1,660.1399% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.0630% | 5,521 |
| Noncurrent loans to loans | 0.0747% | 5,327 |
| Net loans and leases to total assets | 83.2375% | 450 |
| Net loans and leases to deposits | 95.4377% | 1,060 |
| Net loans and leases to core deposits | 102.7325% | 1,323 |
| Total domestic deposits to total assets | 87.2166% | 1,933 |
| Equity capital to assets | 12.3655% | 1,818 |
| Core capital (leverage) ratio | 12.4843% | 1,425 |
| Tier 1 risk-based capital ratio | 14.2740% | 3,685 |
| Total risk-based capital ratio | 15.5215% | 3,615 |
| Memoranda: | ||
| Average total assets | $226,754,000 | 2,711 |
| Average earning assets | $215,075,000 | 2,650 |
| Average equity | $27,595,750 | 2,507 |
| Average total loans | $173,344,000 | 2,328 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4740% | 1,622 |
| Cost of funding earning assets | 0.1986% | 5,446 |
| Net interest margin | 4.2754% | 969 |
| Noninterest income to average assets | 0.2691% | 5,027 |
| Noninterest expense to average assets | 3.1537% | 2,110 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7103% | 3,840 |
| Return on assets (ROA) | 0.7103% | 3,965 |
| Pretax return on assets | 1.1807% | 2,853 |
| Return on Equity (ROE) | 5.8683% | 4,195 |
| Retained earnings to average equity (ytd only) | 5.8683% | 2,316 |
| Net charge-offs to loans | -0.1064% | 5,813 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7606% | 2,888 |
| Assets per employee ($millions) | 6.6010% | 1,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2567% | 3,476 |
| Loan loss allowance to noncurrent loans | 1,408.4967% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.0682% | 5,594 |
| Noncurrent loans to loans | 0.0892% | 5,387 |
| Net loans and leases to total assets | 75.4455% | 1,447 |
| Net loans and leases to deposits | 86.8289% | 1,965 |
| Net loans and leases to core deposits | 92.9214% | 2,073 |
| Total domestic deposits to total assets | 86.8897% | 2,222 |
| Equity capital to assets | 12.4263% | 1,696 |
| Core capital (leverage) ratio | 12.1415% | 1,569 |
| Tier 1 risk-based capital ratio | 15.4318% | 3,140 |
| Total risk-based capital ratio | 16.6667% | 3,086 |
| Memoranda: | ||
| Average total assets | $226,652,000 | 2,731 |
| Average earning assets | $215,513,000 | 2,663 |
| Average equity | $27,435,330 | 2,525 |
| Average total loans | $167,334,330 | 2,399 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4433% | 1,627 |
| Cost of funding earning assets | 0.1994% | 5,516 |
| Net interest margin | 4.2438% | 987 |
| Noninterest income to average assets | 0.2740% | 4,985 |
| Noninterest expense to average assets | 3.0207% | 2,511 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7780% | 3,375 |
| Return on assets (ROA) | 0.7780% | 3,509 |
| Pretax return on assets | 1.2891% | 2,337 |
| Return on Equity (ROE) | 6.5127% | 3,757 |
| Retained earnings to average equity (ytd only) | 6.5127% | 2,236 |
| Net charge-offs to loans | -0.0992% | 5,854 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0896% | 3,472 |
| Assets per employee ($millions) | 7.1974% | 782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2699% | 3,581 |
| Loan loss allowance to noncurrent loans | 823.0469% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.1112% | 5,511 |
| Noncurrent loans to loans | 0.1543% | 5,226 |
| Net loans and leases to total assets | 71.1247% | 1,961 |
| Net loans and leases to deposits | 81.7524% | 2,368 |
| Net loans and leases to core deposits | 88.6544% | 2,258 |
| Total domestic deposits to total assets | 87.0001% | 2,367 |
| Equity capital to assets | 11.9200% | 2,085 |
| Core capital (leverage) ratio | 11.7754% | 1,796 |
| Tier 1 risk-based capital ratio | 15.9408% | 2,948 |
| Total risk-based capital ratio | 17.1908% | 2,891 |
| Memoranda: | ||
| Average total assets | $227,760,500 | 2,740 |
| Average earning assets | $216,596,500 | 2,673 |
| Average equity | $27,208,500 | 2,558 |
| Average total loans | $165,261,000 | 2,432 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6176% | 1,510 |
| Cost of funding earning assets | 0.2426% | 5,399 |
| Net interest margin | 4.3750% | 923 |
| Noninterest income to average assets | 0.1625% | 5,886 |
| Noninterest expense to average assets | 3.1794% | 2,261 |
| Loan and lease loss provision to assets | -0.1403% | 6,215 |
| Net operating income to assets | 0.7590% | 3,574 |
| Return on assets (ROA) | 0.7590% | 3,676 |
| Pretax return on assets | 1.2418% | 2,482 |
| Return on Equity (ROE) | 6.0413% | 4,123 |
| Retained earnings to average equity (ytd only) | 6.0413% | 1,900 |
| Net charge-offs to loans | -0.1872% | 6,252 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2683% | 2,795 |
| Assets per employee ($millions) | 6.8243% | 916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2551% | 3,693 |
| Loan loss allowance to noncurrent loans | 60.6221% | 4,789 |
| Noncurrent assets plus other real estate owned to assets | 1.5133% | 1,796 |
| Noncurrent loans to loans | 2.0704% | 1,321 |
| Net loans and leases to total assets | 72.1731% | 1,884 |
| Net loans and leases to deposits | 83.2076% | 2,310 |
| Net loans and leases to core deposits | 90.0701% | 2,272 |
| Total domestic deposits to total assets | 86.7386% | 2,428 |
| Equity capital to assets | 11.9728% | 2,036 |
| Core capital (leverage) ratio | 11.8427% | 1,738 |
| Tier 1 risk-based capital ratio | 15.0204% | 3,475 |
| Total risk-based capital ratio | 16.2497% | 3,424 |
| Memoranda: | ||
| Average total assets | $206,708,000 | 2,912 |
| Average earning assets | $194,581,600 | 2,862 |
| Average equity | $25,971,400 | 2,573 |
| Average total loans | $154,900,000 | 2,497 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6890% | 1,336 |
| Cost of funding earning assets | 0.2516% | 5,391 |
| Net interest margin | 4.4374% | 838 |
| Noninterest income to average assets | 0.1597% | 5,955 |
| Noninterest expense to average assets | 3.2184% | 2,126 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6815% | 4,033 |
| Return on assets (ROA) | 0.6815% | 4,123 |
| Pretax return on assets | 1.1078% | 3,156 |
| Return on Equity (ROE) | 5.3542% | 4,554 |
| Retained earnings to average equity (ytd only) | 5.3542% | 2,846 |
| Net charge-offs to loans | -0.1460% | 6,233 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3938% | 2,759 |
| Assets per employee ($millions) | 6.8635% | 855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3810% | 3,263 |
| Loan loss allowance to noncurrent loans | 1,786.4000% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.0569% | 5,920 |
| Noncurrent loans to loans | 0.0773% | 5,713 |
| Net loans and leases to total assets | 72.6016% | 1,743 |
| Net loans and leases to deposits | 87.0014% | 1,791 |
| Net loans and leases to core deposits | 96.6740% | 1,618 |
| Total domestic deposits to total assets | 83.4488% | 3,973 |
| Equity capital to assets | 11.9823% | 2,074 |
| Core capital (leverage) ratio | 11.5379% | 2,036 |
| Tier 1 risk-based capital ratio | 15.5979% | 3,262 |
| Total risk-based capital ratio | 16.8498% | 3,203 |
| Memoranda: | ||
| Average total assets | $202,084,250 | 2,990 |
| Average earning assets | $189,744,250 | 2,935 |
| Average equity | $25,723,500 | 2,605 |
| Average total loans | $152,474,500 | 2,537 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7590% | 1,159 |
| Cost of funding earning assets | 0.2540% | 5,447 |
| Net interest margin | 4.5050% | 700 |
| Noninterest income to average assets | 0.1498% | 6,058 |
| Noninterest expense to average assets | 3.2308% | 2,101 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6808% | 3,937 |
| Return on assets (ROA) | 0.6808% | 4,035 |
| Pretax return on assets | 1.1313% | 2,968 |
| Return on Equity (ROE) | 5.2339% | 4,564 |
| Retained earnings to average equity (ytd only) | 5.2339% | 2,810 |
| Net charge-offs to loans | -0.0884% | 6,103 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0654% | 2,967 |
| Assets per employee ($millions) | 6.5765% | 975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3463% | 3,605 |
| Loan loss allowance to noncurrent loans | 1,522.8571% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.0645% | 5,981 |
| Noncurrent loans to loans | 0.0884% | 5,749 |
| Net loans and leases to total assets | 71.9870% | 1,748 |
| Net loans and leases to deposits | 86.5894% | 1,759 |
| Net loans and leases to core deposits | 101.9126% | 1,138 |
| Total domestic deposits to total assets | 83.1360% | 4,251 |
| Equity capital to assets | 11.9305% | 2,037 |
| Core capital (leverage) ratio | 12.8679% | 1,216 |
| Tier 1 risk-based capital ratio | 15.5959% | 3,300 |
| Total risk-based capital ratio | 16.8469% | 3,251 |
| Memoranda: | ||
| Average total assets | $196,234,670 | 3,078 |
| Average earning assets | $183,485,000 | 3,037 |
| Average equity | $25,525,670 | 2,614 |
| Average total loans | $149,402,670 | 2,585 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8938% | 879 |
| Cost of funding earning assets | 0.2639% | 5,454 |
| Net interest margin | 4.6299% | 530 |
| Noninterest income to average assets | 0.1636% | 5,998 |
| Noninterest expense to average assets | 3.4460% | 1,597 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6156% | 4,125 |
| Return on assets (ROA) | 0.6156% | 4,198 |
| Pretax return on assets | 1.0224% | 3,242 |
| Return on Equity (ROE) | 4.5142% | 4,778 |
| Retained earnings to average equity (ytd only) | 4.5142% | 3,408 |
| Net charge-offs to loans | -0.1325% | 6,239 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1195% | 2,627 |
| Assets per employee ($millions) | 5.7083% | 1,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4259% | 3,482 |
| Loan loss allowance to noncurrent loans | 1,355.1282% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.0828% | 6,004 |
| Noncurrent loans to loans | 0.1052% | 5,811 |
| Net loans and leases to total assets | 77.5825% | 809 |
| Net loans and leases to deposits | 92.8577% | 885 |
| Net loans and leases to core deposits | 97.0303% | 1,310 |
| Total domestic deposits to total assets | 83.5498% | 4,435 |
| Equity capital to assets | 13.5124% | 1,091 |
| Core capital (leverage) ratio | 13.3419% | 1,021 |
| Tier 1 risk-based capital ratio | 16.5393% | 2,879 |
| Total risk-based capital ratio | 17.7918% | 2,848 |
| Memoranda: | ||
| Average total assets | $185,840,000 | 3,222 |
| Average earning assets | $172,789,000 | 3,182 |
| Average equity | $25,342,500 | 2,619 |
| Average total loans | $144,923,500 | 2,663 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1493% | 711 |
| Cost of funding earning assets | 0.2783% | 5,772 |
| Net interest margin | 4.8710% | 383 |
| Noninterest income to average assets | 0.2638% | 5,458 |
| Noninterest expense to average assets | 3.4701% | 1,726 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7911% | 3,332 |
| Return on assets (ROA) | 0.7930% | 3,424 |
| Pretax return on assets | 1.3239% | 2,061 |
| Return on Equity (ROE) | 5.7361% | 4,252 |
| Retained earnings to average equity (ytd only) | 5.7361% | 2,142 |
| Net charge-offs to loans | 0.3740% | 1,805 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 4.6036% | 3,518 |
| Efficiency ratio | 72.4276% | 3,394 |
| Assets per employee ($millions) | 5.5547% | 1,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4592% | 3,378 |
| Loan loss allowance to noncurrent loans | 1,215.2941% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.0927% | 6,062 |
| Noncurrent loans to loans | 0.1201% | 5,844 |
| Net loans and leases to total assets | 76.1141% | 1,056 |
| Net loans and leases to deposits | 91.4358% | 1,117 |
| Net loans and leases to core deposits | 95.9204% | 1,463 |
| Total domestic deposits to total assets | 83.2432% | 4,455 |
| Equity capital to assets | 13.7645% | 978 |
| Core capital (leverage) ratio | 13.6352% | 918 |
| Tier 1 risk-based capital ratio | 16.7208% | 2,752 |
| Total risk-based capital ratio | 17.9730% | 2,705 |
| Memoranda: | ||
| Average total assets | $176,679,600 | 3,312 |
| Average earning assets | $164,215,400 | 3,287 |
| Average equity | $24,424,400 | 2,688 |
| Average total loans | $135,555,800 | 2,765 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2795% | 547 |
| Cost of funding earning assets | 0.2821% | 5,872 |
| Net interest margin | 4.9975% | 318 |
| Noninterest income to average assets | 0.2910% | 5,367 |
| Noninterest expense to average assets | 3.4006% | 1,822 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9140% | 2,760 |
| Return on assets (ROA) | 0.9164% | 2,853 |
| Pretax return on assets | 1.5236% | 1,535 |
| Return on Equity (ROE) | 6.6217% | 3,859 |
| Retained earnings to average equity (ytd only) | 6.6217% | 2,072 |
| Net charge-offs to loans | 0.2506% | 2,312 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 7.9167% | 2,702 |
| Efficiency ratio | 69.1129% | 3,898 |
| Assets per employee ($millions) | 5.2538% | 1,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7253% | 2,537 |
| Loan loss allowance to noncurrent loans | 1,261.4130% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.4032% | 5,213 |
| Noncurrent loans to loans | 0.1368% | 5,916 |
| Net loans and leases to total assets | 76.2532% | 972 |
| Net loans and leases to deposits | 92.7741% | 917 |
| Net loans and leases to core deposits | 95.8069% | 1,408 |
| Total domestic deposits to total assets | 82.1924% | 4,863 |
| Equity capital to assets | 14.3441% | 868 |
| Core capital (leverage) ratio | 13.6591% | 966 |
| Tier 1 risk-based capital ratio | 17.1010% | 2,667 |
| Total risk-based capital ratio | 18.3569% | 2,627 |
| Memoranda: | ||
| Average total assets | $175,023,250 | 3,360 |
| Average earning assets | $162,131,750 | 3,339 |
| Average equity | $24,222,750 | 2,735 |
| Average total loans | $134,048,000 | 2,804 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9694% | 958 |
| Cost of funding earning assets | 0.2815% | 5,972 |
| Net interest margin | 4.6879% | 516 |
| Noninterest income to average assets | 0.3155% | 5,176 |
| Noninterest expense to average assets | 3.3035% | 2,060 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8291% | 3,153 |
| Return on assets (ROA) | 0.8327% | 3,290 |
| Pretax return on assets | 1.3806% | 2,000 |
| Return on Equity (ROE) | 6.0898% | 4,121 |
| Retained earnings to average equity (ytd only) | 6.0898% | 2,380 |
| Net charge-offs to loans | 0.3630% | 1,750 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 4.9671% | 2,991 |
| Efficiency ratio | 70.6112% | 3,710 |
| Assets per employee ($millions) | 5.6309% | 1,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7099% | 2,743 |
| Loan loss allowance to noncurrent loans | 149.8392% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 1.1549% | 3,439 |
| Noncurrent loans to loans | 1.1412% | 3,647 |
| Net loans and leases to total assets | 74.3307% | 1,205 |
| Net loans and leases to deposits | 92.4525% | 921 |
| Net loans and leases to core deposits | 95.0689% | 1,435 |
| Total domestic deposits to total assets | 80.3988% | 5,507 |
| Equity capital to assets | 13.5153% | 1,129 |
| Core capital (leverage) ratio | 13.4199% | 1,011 |
| Tier 1 risk-based capital ratio | 16.4451% | 2,962 |
| Total risk-based capital ratio | 17.6945% | 2,919 |
| Memoranda: | ||
| Average total assets | $175,572,670 | 3,367 |
| Average earning assets | $163,400,000 | 3,342 |
| Average equity | $24,007,330 | 2,769 |
| Average total loans | $133,889,000 | 2,808 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9692% | 956 |
| Cost of funding earning assets | 0.2801% | 6,107 |
| Net interest margin | 4.6891% | 481 |
| Noninterest income to average assets | 0.1731% | 6,221 |
| Noninterest expense to average assets | 3.2413% | 2,225 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7826% | 3,262 |
| Return on assets (ROA) | 0.7826% | 3,398 |
| Pretax return on assets | 1.2997% | 2,237 |
| Return on Equity (ROE) | 5.6892% | 4,207 |
| Retained earnings to average equity (ytd only) | 5.6892% | 2,846 |
| Net charge-offs to loans | 0.7777% | 787 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.1822% | 3,107 |
| Efficiency ratio | 71.3777% | 3,740 |
| Assets per employee ($millions) | 5.6489% | 1,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6858% | 3,067 |
| Loan loss allowance to noncurrent loans | 217.9849% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.9125% | 4,113 |
| Noncurrent loans to loans | 0.7733% | 4,575 |
| Net loans and leases to total assets | 77.0970% | 709 |
| Net loans and leases to deposits | 97.8411% | 451 |
| Net loans and leases to core deposits | 101.0630% | 887 |
| Total domestic deposits to total assets | 78.7982% | 5,995 |
| Equity capital to assets | 13.7011% | 1,136 |
| Core capital (leverage) ratio | 13.3683% | 989 |
| Tier 1 risk-based capital ratio | 16.4417% | 3,038 |
| Total risk-based capital ratio | 17.6973% | 2,989 |
| Memoranda: | ||
| Average total assets | $173,265,000 | 3,442 |
| Average earning assets | $161,394,000 | 3,408 |
| Average equity | $23,834,500 | 2,819 |
| Average total loans | $132,701,000 | 2,848 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6419% | 472 |
| Cost of funding earning assets | 0.3693% | 6,112 |
| Net interest margin | 5.2726% | 245 |
| Noninterest income to average assets | 0.0495% | 6,692 |
| Noninterest expense to average assets | 3.3794% | 2,105 |
| Loan and lease loss provision to assets | 0.2056% | 3,084 |
| Net operating income to assets | 0.7475% | 3,522 |
| Return on assets (ROA) | 0.7673% | 3,679 |
| Pretax return on assets | 1.2666% | 2,534 |
| Return on Equity (ROE) | 5.2109% | 4,587 |
| Retained earnings to average equity (ytd only) | 5.2109% | 2,563 |
| Net charge-offs to loans | 0.2491% | 3,444 |
| Credit loss provision to net charge-offs | 110.7266% | 2,637 |
| Earnings coverage of net charge-offs (x) | 7.7612% | 2,532 |
| Efficiency ratio | 70.1013% | 3,799 |
| Assets per employee ($millions) | 6.1219% | 1,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0089% | 1,995 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3191% | 5,713 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 73.2173% | 1,298 |
| Net loans and leases to deposits | 88.6409% | 1,203 |
| Net loans and leases to core deposits | 91.4952% | 1,674 |
| Total domestic deposits to total assets | 82.5999% | 4,887 |
| Equity capital to assets | 13.8123% | 1,114 |
| Core capital (leverage) ratio | 13.6838% | 890 |
| Tier 1 risk-based capital ratio | 16.6592% | 2,811 |
| Total risk-based capital ratio | 17.9175% | 2,782 |
| Memoranda: | ||
| Average total assets | $155,617,200 | 3,691 |
| Average earning assets | $140,822,000 | 3,712 |
| Average equity | $22,913,600 | 2,859 |
| Average total loans | $116,038,000 | 3,162 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7583% | 420 |
| Cost of funding earning assets | 0.3920% | 6,160 |
| Net interest margin | 5.3664% | 215 |
| Noninterest income to average assets | -0.0598% | 6,997 |
| Noninterest expense to average assets | 3.3854% | 2,038 |
| Loan and lease loss provision to assets | 0.2813% | 2,315 |
| Net operating income to assets | 0.6824% | 3,992 |
| Return on assets (ROA) | 0.7094% | 4,112 |
| Pretax return on assets | 1.1419% | 3,188 |
| Return on Equity (ROE) | 4.7352% | 4,955 |
| Retained earnings to average equity (ytd only) | 4.7352% | 3,573 |
| Net charge-offs to loans | 0.7337% | 1,510 |
| Credit loss provision to net charge-offs | 51.4469% | 4,367 |
| Earnings coverage of net charge-offs (x) | 2.5257% | 4,032 |
| Efficiency ratio | 71.0255% | 3,499 |
| Assets per employee ($millions) | 6.2448% | 1,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9052% | 2,453 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3387% | 5,841 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 71.0344% | 1,716 |
| Net loans and leases to deposits | 86.7866% | 1,510 |
| Net loans and leases to core deposits | 90.3653% | 1,942 |
| Total domestic deposits to total assets | 81.8495% | 5,070 |
| Equity capital to assets | 14.3184% | 1,030 |
| Core capital (leverage) ratio | 13.4934% | 1,011 |
| Tier 1 risk-based capital ratio | 16.3060% | 3,109 |
| Total risk-based capital ratio | 17.5692% | 3,068 |
| Memoranda: | ||
| Average total assets | $151,668,250 | 3,788 |
| Average earning assets | $136,402,000 | 3,821 |
| Average equity | $22,723,000 | 2,907 |
| Average total loans | $113,028,250 | 3,254 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8737% | 363 |
| Cost of funding earning assets | 0.4166% | 6,183 |
| Net interest margin | 5.4570% | 186 |
| Noninterest income to average assets | -0.2471% | 7,142 |
| Noninterest expense to average assets | 3.3747% | 2,093 |
| Loan and lease loss provision to assets | 0.4321% | 1,509 |
| Net operating income to assets | 0.5054% | 4,793 |
| Return on assets (ROA) | 0.5469% | 4,876 |
| Pretax return on assets | 0.8926% | 4,105 |
| Return on Equity (ROE) | 3.5923% | 5,440 |
| Retained earnings to average equity (ytd only) | 3.5923% | 4,204 |
| Net charge-offs to loans | 1.1658% | 929 |
| Credit loss provision to net charge-offs | 49.2308% | 4,056 |
| Earnings coverage of net charge-offs (x) | 1.4354% | 4,281 |
| Efficiency ratio | 72.8147% | 3,276 |
| Assets per employee ($millions) | 6.1610% | 1,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8909% | 2,588 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.2354% | 2,505 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 74.5139% | 1,172 |
| Net loans and leases to deposits | 91.4859% | 1,003 |
| Net loans and leases to core deposits | 95.0964% | 1,500 |
| Total domestic deposits to total assets | 81.4485% | 5,314 |
| Equity capital to assets | 14.7788% | 837 |
| Core capital (leverage) ratio | 14.1285% | 774 |
| Tier 1 risk-based capital ratio | 16.1547% | 3,092 |
| Total risk-based capital ratio | 17.4179% | 3,044 |
| Memoranda: | ||
| Average total assets | $148,102,670 | 3,870 |
| Average earning assets | $132,489,330 | 3,914 |
| Average equity | $22,548,000 | 2,915 |
| Average total loans | $111,512,670 | 3,299 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9581% | 325 |
| Cost of funding earning assets | 0.4262% | 6,278 |
| Net interest margin | 5.5319% | 173 |
| Noninterest income to average assets | 0.1185% | 6,663 |
| Noninterest expense to average assets | 3.4146% | 1,973 |
| Loan and lease loss provision to assets | 0.8819% | 510 |
| Net operating income to assets | 0.7579% | 3,584 |
| Return on assets (ROA) | 0.7579% | 3,821 |
| Pretax return on assets | 0.7579% | 4,577 |
| Return on Equity (ROE) | 4.9019% | 4,830 |
| Retained earnings to average equity (ytd only) | 4.9019% | 3,613 |
| Net charge-offs to loans | 2.4895% | 332 |
| Credit loss provision to net charge-offs | 47.2674% | 3,325 |
| Earnings coverage of net charge-offs (x) | 0.8789% | 3,888 |
| Efficiency ratio | 67.5573% | 4,264 |
| Assets per employee ($millions) | 6.1687% | 1,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9949% | 2,372 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.5195% | 2,354 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 72.5082% | 1,314 |
| Net loans and leases to deposits | 89.5260% | 1,005 |
| Net loans and leases to core deposits | 94.2227% | 1,450 |
| Total domestic deposits to total assets | 80.9913% | 5,613 |
| Equity capital to assets | 15.2680% | 698 |
| Core capital (leverage) ratio | 14.3198% | 727 |
| Tier 1 risk-based capital ratio | 16.7200% | 2,800 |
| Total risk-based capital ratio | 17.9846% | 2,751 |
| Memoranda: | ||
| Average total assets | $145,141,500 | 3,952 |
| Average earning assets | $129,503,500 | 3,997 |
| Average equity | $22,440,500 | 2,924 |
| Average total loans | $108,778,000 | 3,382 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5237% | 1,113 |
| Cost of funding earning assets | 0.5784% | 6,197 |
| Net interest margin | 4.9454% | 464 |
| Noninterest income to average assets | -0.1060% | 7,103 |
| Noninterest expense to average assets | 3.2531% | 2,677 |
| Loan and lease loss provision to assets | 0.5883% | 1,757 |
| Net operating income to assets | 2.3728% | 166 |
| Return on assets (ROA) | 2.4011% | 167 |
| Pretax return on assets | 0.6704% | 4,436 |
| Return on Equity (ROE) | 16.2473% | 567 |
| Retained earnings to average equity (ytd only) | 16.2473% | 93 |
| Net charge-offs to loans | 1.4643% | 1,102 |
| Credit loss provision to net charge-offs | 56.2500% | 5,268 |
| Earnings coverage of net charge-offs (x) | 1.1764% | 4,908 |
| Efficiency ratio | 72.5579% | 3,472 |
| Assets per employee ($millions) | 6.7731% | 830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3523% | 1,539 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.4952% | 2,435 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 74.1611% | 1,249 |
| Net loans and leases to deposits | 92.3160% | 941 |
| Net loans and leases to core deposits | 97.4376% | 1,374 |
| Total domestic deposits to total assets | 80.3340% | 5,652 |
| Equity capital to assets | 15.6621% | 642 |
| Core capital (leverage) ratio | 14.5874% | 695 |
| Tier 1 risk-based capital ratio | 17.6078% | 2,343 |
| Total risk-based capital ratio | 18.8779% | 2,298 |
| Memoranda: | ||
| Average total assets | $137,684,600 | 4,020 |
| Average earning assets | $127,775,600 | 3,979 |
| Average equity | $20,348,000 | 3,088 |
| Average total loans | $98,343,000 | 3,666 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3725% | 1,595 |
| Cost of funding earning assets | 0.6127% | 6,232 |
| Net interest margin | 4.7598% | 676 |
| Noninterest income to average assets | -0.1152% | 7,220 |
| Noninterest expense to average assets | 3.2760% | 2,571 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 2.8453% | 103 |
| Return on assets (ROA) | 2.8834% | 102 |
| Pretax return on assets | 1.1073% | 2,978 |
| Return on Equity (ROE) | 19.8192% | 325 |
| Retained earnings to average equity (ytd only) | 19.8192% | 79 |
| Net charge-offs to loans | 1.0091% | 1,594 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 1.5083% | 4,508 |
| Efficiency ratio | 75.3933% | 2,944 |
| Assets per employee ($millions) | 7.1432% | 685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3667% | 1,592 |
| Loan loss allowance to noncurrent loans | 355.5233% | 898 |
| Noncurrent assets plus other real estate owned to assets | 3.7681% | 1,650 |
| Noncurrent loans to loans | 0.6657% | 5,557 |
| Net loans and leases to total assets | 74.3479% | 1,267 |
| Net loans and leases to deposits | 93.5085% | 879 |
| Net loans and leases to core deposits | 98.3365% | 1,400 |
| Total domestic deposits to total assets | 79.5093% | 5,864 |
| Equity capital to assets | 16.1413% | 605 |
| Core capital (leverage) ratio | 15.5099% | 574 |
| Tier 1 risk-based capital ratio | 16.6108% | 2,806 |
| Total risk-based capital ratio | 17.7573% | 2,825 |
| Memoranda: | ||
| Average total assets | $136,547,000 | 4,068 |
| Average earning assets | $127,956,500 | 3,996 |
| Average equity | $19,865,750 | 3,169 |
| Average total loans | $95,922,750 | 3,759 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1289% | 2,550 |
| Cost of funding earning assets | 0.6727% | 6,113 |
| Net interest margin | 4.4561% | 1,235 |
| Noninterest income to average assets | -0.0146% | 7,217 |
| Noninterest expense to average assets | 3.1808% | 2,968 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0261% | 2,118 |
| Return on assets (ROA) | 1.0261% | 2,215 |
| Pretax return on assets | 1.0261% | 3,136 |
| Return on Equity (ROE) | 7.3181% | 3,287 |
| Retained earnings to average equity (ytd only) | 7.3181% | 1,732 |
| Net charge-offs to loans | 1.3120% | 1,167 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 1.1452% | 4,420 |
| Efficiency ratio | 75.6081% | 3,084 |
| Assets per employee ($millions) | 7.3366% | 620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6447% | 1,250 |
| Loan loss allowance to noncurrent loans | 76.4565% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 3.4773% | 1,896 |
| Noncurrent loans to loans | 3.4591% | 2,047 |
| Net loans and leases to total assets | 71.3323% | 1,928 |
| Net loans and leases to deposits | 88.2708% | 1,463 |
| Net loans and leases to core deposits | 93.5861% | 1,949 |
| Total domestic deposits to total assets | 80.8107% | 5,593 |
| Equity capital to assets | 14.8488% | 852 |
| Core capital (leverage) ratio | 14.3529% | 798 |
| Tier 1 risk-based capital ratio | 17.4351% | 2,365 |
| Total risk-based capital ratio | 18.6180% | 2,365 |
| Memoranda: | ||
| Average total assets | $136,822,670 | 4,091 |
| Average earning assets | $129,619,330 | 3,998 |
| Average equity | $19,185,330 | 3,250 |
| Average total loans | $93,446,670 | 3,850 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9677% | 3,257 |
| Cost of funding earning assets | 0.7355% | 5,944 |
| Net interest margin | 4.2322% | 1,801 |
| Noninterest income to average assets | 0.0172% | 7,254 |
| Noninterest expense to average assets | 3.0056% | 3,627 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0459% | 2,014 |
| Return on assets (ROA) | 1.0459% | 2,067 |
| Pretax return on assets | 1.0459% | 2,962 |
| Return on Equity (ROE) | 7.6739% | 3,055 |
| Retained earnings to average equity (ytd only) | 7.6739% | 1,849 |
| Net charge-offs to loans | 2.5362% | 445 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.6254% | 4,158 |
| Efficiency ratio | 74.1844% | 3,483 |
| Assets per employee ($millions) | 7.7150% | 534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8875% | 1,023 |
| Loan loss allowance to noncurrent loans | 63.4648% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 3.3607% | 2,028 |
| Noncurrent loans to loans | 4.5498% | 1,528 |
| Net loans and leases to total assets | 62.7249% | 3,714 |
| Net loans and leases to deposits | 80.6313% | 2,588 |
| Net loans and leases to core deposits | 85.4307% | 2,967 |
| Total domestic deposits to total assets | 77.7922% | 6,403 |
| Equity capital to assets | 13.7841% | 1,073 |
| Core capital (leverage) ratio | 13.6662% | 919 |
| Tier 1 risk-based capital ratio | 17.9580% | 2,125 |
| Total risk-based capital ratio | 19.1513% | 2,120 |
| Memoranda: | ||
| Average total assets | $139,205,000 | 4,075 |
| Average earning assets | $132,697,500 | 3,963 |
| Average equity | $18,973,500 | 3,262 |
| Average total loans | $91,790,500 | 3,936 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7606% | 1,378 |
| Cost of funding earning assets | 1.0006% | 5,683 |
| Net interest margin | 4.7600% | 718 |
| Noninterest income to average assets | -0.1423% | 7,431 |
| Noninterest expense to average assets | 3.1749% | 3,175 |
| Loan and lease loss provision to assets | 0.4754% | 3,284 |
| Net operating income to assets | 0.7328% | 3,083 |
| Return on assets (ROA) | 0.7512% | 3,118 |
| Pretax return on assets | 0.7519% | 3,792 |
| Return on Equity (ROE) | 5.5948% | 3,795 |
| Retained earnings to average equity (ytd only) | 5.5948% | 2,064 |
| Net charge-offs to loans | 0.0528% | 6,263 |
| Credit loss provision to net charge-offs | 1,200.0000% | 189 |
| Earnings coverage of net charge-offs (x) | 30.5185% | 719 |
| Efficiency ratio | 72.4230% | 3,717 |
| Assets per employee ($millions) | 7.3442% | 636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3786% | 640 |
| Loan loss allowance to noncurrent loans | 68.8368% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 3.3023% | 2,138 |
| Noncurrent loans to loans | 4.9081% | 1,390 |
| Net loans and leases to total assets | 65.0086% | 3,662 |
| Net loans and leases to deposits | 83.4166% | 2,547 |
| Net loans and leases to core deposits | 88.3109% | 3,011 |
| Total domestic deposits to total assets | 77.9325% | 6,329 |
| Equity capital to assets | 13.4764% | 1,184 |
| Core capital (leverage) ratio | 13.2675% | 1,041 |
| Tier 1 risk-based capital ratio | 17.2178% | 2,265 |
| Total risk-based capital ratio | 18.4888% | 2,220 |
| Memoranda: | ||
| Average total assets | $136,320,400 | 4,135 |
| Average earning assets | $129,622,800 | 4,022 |
| Average equity | $18,302,800 | 3,379 |
| Average total loans | $102,358,800 | 3,732 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8286% | 1,315 |
| Cost of funding earning assets | 1.0389% | 5,749 |
| Net interest margin | 4.7897% | 691 |
| Noninterest income to average assets | -0.2076% | 7,598 |
| Noninterest expense to average assets | 3.1710% | 3,023 |
| Loan and lease loss provision to assets | 0.2765% | 4,374 |
| Net operating income to assets | 0.8934% | 2,638 |
| Return on assets (ROA) | 0.9180% | 2,686 |
| Pretax return on assets | 0.9189% | 3,498 |
| Return on Equity (ROE) | 6.8436% | 3,420 |
| Retained earnings to average equity (ytd only) | 6.8436% | 1,927 |
| Net charge-offs to loans | -0.0727% | 7,509 |
| Credit loss provision to net charge-offs | -492.9825% | 7,019 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0342% | 3,515 |
| Assets per employee ($millions) | 7.2821% | 684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7649% | 1,027 |
| Loan loss allowance to noncurrent loans | 61.7535% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 4.0633% | 1,711 |
| Noncurrent loans to loans | 4.4774% | 1,615 |
| Net loans and leases to total assets | 74.1173% | 1,776 |
| Net loans and leases to deposits | 95.2694% | 1,074 |
| Net loans and leases to core deposits | 101.4082% | 1,707 |
| Total domestic deposits to total assets | 77.7976% | 6,293 |
| Equity capital to assets | 13.5640% | 1,324 |
| Core capital (leverage) ratio | 13.7400% | 985 |
| Tier 1 risk-based capital ratio | 15.6968% | 2,904 |
| Total risk-based capital ratio | 16.9614% | 2,858 |
| Memoranda: | ||
| Average total assets | $135,515,500 | 4,200 |
| Average earning assets | $128,718,250 | 4,092 |
| Average equity | $18,177,250 | 3,444 |
| Average total loans | $104,477,250 | 3,726 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7475% | 1,559 |
| Cost of funding earning assets | 1.0975% | 5,684 |
| Net interest margin | 4.6500% | 892 |
| Noninterest income to average assets | -0.2289% | 7,687 |
| Noninterest expense to average assets | 3.1375% | 3,160 |
| Loan and lease loss provision to assets | 0.3374% | 3,712 |
| Net operating income to assets | 0.7089% | 3,366 |
| Return on assets (ROA) | 0.7461% | 3,362 |
| Pretax return on assets | 0.7476% | 4,075 |
| Return on Equity (ROE) | 5.5838% | 4,005 |
| Retained earnings to average equity (ytd only) | 5.5838% | 2,567 |
| Net charge-offs to loans | -0.2208% | 7,655 |
| Credit loss provision to net charge-offs | -197.3913% | 6,721 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9645% | 3,272 |
| Assets per employee ($millions) | 7.0680% | 748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7392% | 1,052 |
| Loan loss allowance to noncurrent loans | 60.7195% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 4.3130% | 1,548 |
| Noncurrent loans to loans | 4.5112% | 1,611 |
| Net loans and leases to total assets | 77.2064% | 1,254 |
| Net loans and leases to deposits | 100.5274% | 677 |
| Net loans and leases to core deposits | 109.4269% | 1,201 |
| Total domestic deposits to total assets | 76.8013% | 6,547 |
| Equity capital to assets | 13.6121% | 1,298 |
| Core capital (leverage) ratio | 13.4346% | 1,081 |
| Tier 1 risk-based capital ratio | 15.3251% | 2,990 |
| Total risk-based capital ratio | 16.5979% | 2,944 |
| Memoranda: | ||
| Average total assets | $134,567,670 | 4,253 |
| Average earning assets | $127,741,670 | 4,143 |
| Average equity | $17,980,670 | 3,469 |
| Average total loans | $104,148,330 | 3,765 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6031% | 2,136 |
| Cost of funding earning assets | 1.1968% | 5,426 |
| Net interest margin | 4.4062% | 1,373 |
| Noninterest income to average assets | -0.1574% | 7,783 |
| Noninterest expense to average assets | 3.1506% | 3,055 |
| Loan and lease loss provision to assets | 0.1603% | 4,924 |
| Net operating income to assets | 0.6830% | 3,510 |
| Return on assets (ROA) | 0.6830% | 3,628 |
| Pretax return on assets | 0.6859% | 4,283 |
| Return on Equity (ROE) | 5.1596% | 4,281 |
| Retained earnings to average equity (ytd only) | 5.1596% | 3,066 |
| Net charge-offs to loans | -0.7268% | 7,831 |
| Credit loss provision to net charge-offs | -28.8770% | 5,982 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8262% | 2,756 |
| Assets per employee ($millions) | 7.5703% | 631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8219% | 961 |
| Loan loss allowance to noncurrent loans | 59.4600% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 5.7857% | 1,050 |
| Noncurrent loans to loans | 4.7458% | 1,554 |
| Net loans and leases to total assets | 71.2423% | 2,635 |
| Net loans and leases to deposits | 89.5389% | 1,981 |
| Net loans and leases to core deposits | 97.6286% | 2,384 |
| Total domestic deposits to total assets | 79.5657% | 5,923 |
| Equity capital to assets | 13.1867% | 1,450 |
| Core capital (leverage) ratio | 13.1946% | 1,159 |
| Tier 1 risk-based capital ratio | 15.5061% | 2,865 |
| Total risk-based capital ratio | 16.7701% | 2,804 |
| Memoranda: | ||
| Average total assets | $134,705,500 | 4,309 |
| Average earning assets | $127,001,500 | 4,216 |
| Average equity | $17,831,000 | 3,515 |
| Average total loans | $102,921,500 | 3,859 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9433% | 2,073 |
| Cost of funding earning assets | 1.8408% | 3,782 |
| Net interest margin | 4.1025% | 2,436 |
| Noninterest income to average assets | -0.2708% | 7,890 |
| Noninterest expense to average assets | 3.0424% | 3,978 |
| Loan and lease loss provision to assets | 2.1120% | 1,001 |
| Net operating income to assets | -1.5001% | 6,856 |
| Return on assets (ROA) | -1.4845% | 6,862 |
| Pretax return on assets | -1.4837% | 6,693 |
| Return on Equity (ROE) | -10.1603% | 6,641 |
| Retained earnings to average equity (ytd only) | -10.1603% | 6,537 |
| Net charge-offs to loans | 1.2055% | 2,043 |
| Credit loss provision to net charge-offs | 227.7778% | 1,631 |
| Earnings coverage of net charge-offs (x) | 0.6608% | 5,432 |
| Efficiency ratio | 83.2372% | 2,450 |
| Assets per employee ($millions) | 7.8321% | 552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4333% | 1,315 |
| Loan loss allowance to noncurrent loans | 30.1168% | 6,465 |
| Noncurrent assets plus other real estate owned to assets | 8.1039% | 546 |
| Noncurrent loans to loans | 8.0797% | 618 |
| Net loans and leases to total assets | 77.6349% | 1,460 |
| Net loans and leases to deposits | 97.8660% | 1,119 |
| Net loans and leases to core deposits | 121.4953% | 1,835 |
| Total domestic deposits to total assets | 79.3278% | 5,894 |
| Equity capital to assets | 13.2885% | 1,400 |
| Core capital (leverage) ratio | 12.8829% | 1,283 |
| Tier 1 risk-based capital ratio | 14.5343% | 3,190 |
| Total risk-based capital ratio | 15.8028% | 3,127 |
| Memoranda: | ||
| Average total assets | $128,122,000 | 4,380 |
| Average earning assets | $122,608,600 | 4,250 |
| Average equity | $18,720,000 | 3,390 |
| Average total loans | $98,546,800 | 3,994 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9794% | 2,118 |
| Cost of funding earning assets | 1.9880% | 3,426 |
| Net interest margin | 3.9914% | 2,860 |
| Noninterest income to average assets | -0.3090% | 8,016 |
| Noninterest expense to average assets | 3.1823% | 3,360 |
| Loan and lease loss provision to assets | 2.7020% | 586 |
| Net operating income to assets | -2.3646% | 7,433 |
| Return on assets (ROA) | -2.3436% | 7,417 |
| Pretax return on assets | -2.3426% | 7,296 |
| Return on Equity (ROE) | -15.6679% | 7,217 |
| Retained earnings to average equity (ytd only) | -15.6679% | 7,167 |
| Net charge-offs to loans | 1.2906% | 1,594 |
| Credit loss provision to net charge-offs | 274.6795% | 1,546 |
| Earnings coverage of net charge-offs (x) | 0.3440% | 5,680 |
| Efficiency ratio | 90.3881% | 1,656 |
| Assets per employee ($millions) | 7.9118% | 533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5726% | 997 |
| Loan loss allowance to noncurrent loans | 43.5309% | 5,412 |
| Noncurrent assets plus other real estate owned to assets | 6.3130% | 819 |
| Noncurrent loans to loans | 5.9098% | 1,012 |
| Net loans and leases to total assets | 75.8833% | 2,016 |
| Net loans and leases to deposits | 93.4455% | 1,977 |
| Net loans and leases to core deposits | 121.1373% | 2,144 |
| Total domestic deposits to total assets | 81.2059% | 4,996 |
| Equity capital to assets | 12.8944% | 1,737 |
| Core capital (leverage) ratio | 12.6512% | 1,520 |
| Tier 1 risk-based capital ratio | 14.4290% | 3,316 |
| Total risk-based capital ratio | 15.6924% | 3,253 |
| Memoranda: | ||
| Average total assets | $126,866,250 | 4,427 |
| Average earning assets | $121,725,750 | 4,305 |
| Average equity | $18,976,750 | 3,374 |
| Average total loans | $96,697,250 | 4,067 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9704% | 2,296 |
| Cost of funding earning assets | 2.1760% | 2,906 |
| Net interest margin | 3.7943% | 3,574 |
| Noninterest income to average assets | 0.0145% | 7,896 |
| Noninterest expense to average assets | 3.2368% | 3,206 |
| Loan and lease loss provision to assets | 0.6001% | 2,649 |
| Net operating income to assets | -0.1577% | 6,116 |
| Return on assets (ROA) | -0.1577% | 6,144 |
| Pretax return on assets | -0.1560% | 6,069 |
| Return on Equity (ROE) | -1.0040% | 6,073 |
| Retained earnings to average equity (ytd only) | -1.0040% | 5,485 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9371% | 2,024 |
| Assets per employee ($millions) | 8.1468% | 473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3814% | 3,828 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 78.4861% | 1,644 |
| Net loans and leases to deposits | 98.4810% | 1,455 |
| Net loans and leases to core deposits | 130.8415% | 1,494 |
| Total domestic deposits to total assets | 79.6967% | 5,562 |
| Equity capital to assets | 14.9807% | 1,030 |
| Core capital (leverage) ratio | 15.0076% | 918 |
| Tier 1 risk-based capital ratio | 16.3399% | 2,504 |
| Total risk-based capital ratio | 17.5632% | 2,463 |
| Memoranda: | ||
| Average total assets | $124,321,670 | 4,522 |
| Average earning assets | $120,126,670 | 4,363 |
| Average equity | $19,521,330 | 3,322 |
| Average total loans | $94,010,330 | 4,167 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8509% | 3,033 |
| Cost of funding earning assets | 2.3915% | 2,330 |
| Net interest margin | 3.4593% | 4,899 |
| Noninterest income to average assets | 0.0132% | 8,009 |
| Noninterest expense to average assets | 3.1853% | 3,053 |
| Loan and lease loss provision to assets | 0.1517% | 4,987 |
| Net operating income to assets | 0.0165% | 6,217 |
| Return on assets (ROA) | 0.0165% | 6,371 |
| Pretax return on assets | 0.0198% | 6,343 |
| Return on Equity (ROE) | 0.1025% | 6,391 |
| Retained earnings to average equity (ytd only) | 0.1025% | 5,618 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8919% | 1,383 |
| Assets per employee ($millions) | 8.7717% | 385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2142% | 4,703 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 68.4515% | 4,028 |
| Net loans and leases to deposits | 85.6400% | 3,697 |
| Net loans and leases to core deposits | 112.9738% | 3,108 |
| Total domestic deposits to total assets | 79.9293% | 5,398 |
| Equity capital to assets | 14.8493% | 1,144 |
| Core capital (leverage) ratio | 15.9938% | 785 |
| Tier 1 risk-based capital ratio | 18.0038% | 2,053 |
| Total risk-based capital ratio | 19.0469% | 2,051 |
| Memoranda: | ||
| Average total assets | $121,308,500 | 4,610 |
| Average earning assets | $117,247,500 | 4,450 |
| Average equity | $19,518,500 | 3,340 |
| Average total loans | $89,146,500 | 4,335 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6638% | 2,185 |
| Cost of funding earning assets | 2.4430% | 4,511 |
| Net interest margin | 4.2208% | 2,228 |
| Noninterest income to average assets | 0.0342% | 7,964 |
| Noninterest expense to average assets | 3.9505% | 1,484 |
| Loan and lease loss provision to assets | 0.3796% | 3,418 |
| Net operating income to assets | -0.2361% | 6,662 |
| Return on assets (ROA) | -0.2361% | 6,507 |
| Pretax return on assets | -0.2350% | 6,399 |
| Return on Equity (ROE) | -1.1029% | 6,378 |
| Retained earnings to average equity (ytd only) | -1.1029% | 5,625 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4700% | 1,127 |
| Assets per employee ($millions) | 7.9316% | 478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2167% | 4,407 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 77.5031% | 2,262 |
| Net loans and leases to deposits | 101.6404% | 1,618 |
| Net loans and leases to core deposits | 146.6291% | 989 |
| Total domestic deposits to total assets | 76.2522% | 6,178 |
| Equity capital to assets | 17.5600% | 711 |
| Core capital (leverage) ratio | 19.4838% | 470 |
| Tier 1 risk-based capital ratio | 19.2769% | 1,758 |
| Total risk-based capital ratio | 20.3506% | 1,742 |
| Memoranda: | ||
| Average total assets | $90,620,800 | 5,332 |
| Average earning assets | $87,187,400 | 5,179 |
| Average equity | $19,402,600 | 3,323 |
| Average total loans | $74,906,600 | 4,696 |