Home > Bank of Odessa > Performance and Condition Ratios
Bank of Odessa, 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 | 5.5709% | 1,076 |
| Cost of funding earning assets | 2.3382% | 510 |
| Net interest margin | 3.2328% | 2,788 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 1.2981% | 4,438 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 1.3762% | 1,258 |
| Return on assets (ROA) | 1.4470% | 1,092 |
| Pretax return on assets | 1.8944% | 779 |
| Return on Equity (ROE) | 10.9500% | 2,237 |
| Retained earnings to average equity (ytd only) | 10.9526% | 801 |
| Net charge-offs to loans | 0.0192% | 1,969 |
| Credit loss provision to net charge-offs | 1,111.1111% | 378 |
| Earnings coverage of net charge-offs (x) | 132.1852% | 774 |
| Efficiency ratio | 39.7162% | 4,367 |
| Assets per employee ($millions) | 9.5876% | 803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3586% | 1,551 |
| Loan loss allowance to noncurrent loans | 158.6225% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 0.6736% | 785 |
| Noncurrent loans to loans | 0.8565% | 892 |
| Net loans and leases to total assets | 77.5800% | 904 |
| Net loans and leases to deposits | 95.3548% | 835 |
| Net loans and leases to core deposits | 106.4797% | 1,095 |
| Total domestic deposits to total assets | 81.3600% | 3,243 |
| Equity capital to assets | 13.7233% | 728 |
| Core capital (leverage) ratio | 13.9310% | 817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7756% | 494 |
| Memoranda: | ||
| Average total assets | $543,390,200 | 1,635 |
| Average earning assets | $521,690,400 | 1,569 |
| Average equity | $71,791,200 | 1,225 |
| Average total loans | $421,121,800 | 1,423 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3543% | 1,205 |
| Cost of funding earning assets | 2.2240% | 472 |
| Net interest margin | 3.1303% | 3,081 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 1.2550% | 4,462 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 1.3382% | 1,450 |
| Return on assets (ROA) | 1.3900% | 1,329 |
| Pretax return on assets | 1.8059% | 1,005 |
| Return on Equity (ROE) | 10.6300% | 2,470 |
| Retained earnings to average equity (ytd only) | 10.6270% | 1,231 |
| Net charge-offs to loans | 0.0128% | 1,937 |
| Credit loss provision to net charge-offs | 1,687.5000% | 279 |
| Earnings coverage of net charge-offs (x) | 193.1500% | 615 |
| Efficiency ratio | 39.6925% | 4,368 |
| Assets per employee ($millions) | 9.4343% | 801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3457% | 1,669 |
| Loan loss allowance to noncurrent loans | 108.3553% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 0.9711% | 546 |
| Noncurrent loans to loans | 1.2419% | 623 |
| Net loans and leases to total assets | 77.1500% | 975 |
| Net loans and leases to deposits | 93.5940% | 932 |
| Net loans and leases to core deposits | 101.1712% | 1,252 |
| Total domestic deposits to total assets | 82.4300% | 3,137 |
| Equity capital to assets | 13.5003% | 725 |
| Core capital (leverage) ratio | 13.6317% | 892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3715% | 527 |
| Memoranda: | ||
| Average total assets | $540,217,250 | 1,643 |
| Average earning assets | $518,403,500 | 1,575 |
| Average equity | $70,660,750 | 1,236 |
| Average total loans | $417,059,250 | 1,427 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1482% | 1,288 |
| Cost of funding earning assets | 2.0997% | 408 |
| Net interest margin | 3.0485% | 3,323 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 1.3122% | 4,467 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 1.2184% | 1,780 |
| Return on assets (ROA) | 1.2475% | 1,696 |
| Pretax return on assets | 1.6390% | 1,340 |
| Return on Equity (ROE) | 9.6400% | 2,808 |
| Retained earnings to average equity (ytd only) | 9.6421% | 1,498 |
| Net charge-offs to loans | 0.0218% | 1,451 |
| Credit loss provision to net charge-offs | 1,000.0000% | 406 |
| Earnings coverage of net charge-offs (x) | 105.7556% | 907 |
| Efficiency ratio | 42.5796% | 4,313 |
| Assets per employee ($millions) | 8.8062% | 966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3005% | 1,930 |
| Loan loss allowance to noncurrent loans | 169.9877% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 0.6054% | 887 |
| Noncurrent loans to loans | 0.7650% | 991 |
| Net loans and leases to total assets | 78.1000% | 822 |
| Net loans and leases to deposits | 92.4401% | 994 |
| Net loans and leases to core deposits | 98.9747% | 1,290 |
| Total domestic deposits to total assets | 84.4900% | 2,694 |
| Equity capital to assets | 13.3023% | 750 |
| Core capital (leverage) ratio | 13.4472% | 891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8343% | 564 |
| Memoranda: | ||
| Average total assets | $537,893,667 | 1,642 |
| Average earning assets | $515,405,000 | 1,583 |
| Average equity | $69,590,333 | 1,243 |
| Average total loans | $413,447,333 | 1,421 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9612% | 1,302 |
| Cost of funding earning assets | 1.9928% | 300 |
| Net interest margin | 2.9683% | 3,663 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 1.2691% | 4,554 |
| Loan and lease loss provision to assets | 0.1700% | 639 |
| Net operating income to assets | 1.1955% | 1,943 |
| Return on assets (ROA) | 1.2037% | 1,882 |
| Pretax return on assets | 1.5670% | 1,542 |
| Return on Equity (ROE) | 9.4300% | 2,938 |
| Retained earnings to average equity (ytd only) | 9.4255% | 1,832 |
| Net charge-offs to loans | 0.0294% | 1,116 |
| Credit loss provision to net charge-offs | 750.0000% | 428 |
| Earnings coverage of net charge-offs (x) | 77.3333% | 908 |
| Efficiency ratio | 42.4032% | 4,373 |
| Assets per employee ($millions) | 8.9360% | 957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3030% | 2,020 |
| Loan loss allowance to noncurrent loans | 127.1640% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 0.7800% | 616 |
| Noncurrent loans to loans | 1.0247% | 707 |
| Net loans and leases to total assets | 75.1300% | 1,062 |
| Net loans and leases to deposits | 88.2950% | 1,179 |
| Net loans and leases to core deposits | 96.2621% | 1,269 |
| Total domestic deposits to total assets | 85.0900% | 2,836 |
| Equity capital to assets | 13.0196% | 756 |
| Core capital (leverage) ratio | 12.9864% | 985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1566% | 560 |
| Memoranda: | ||
| Average total assets | $538,344,500 | 1,660 |
| Average earning assets | $515,847,500 | 1,604 |
| Average equity | $68,749,500 | 1,264 |
| Average total loans | $407,633,500 | 1,455 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3954% | 889 |
| Cost of funding earning assets | 0.7178% | 539 |
| Net interest margin | 3.6775% | 1,433 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 1.1449% | 4,624 |
| Loan and lease loss provision to assets | 0.2200% | 456 |
| Net operating income to assets | 1.8214% | 421 |
| Return on assets (ROA) | 1.8214% | 401 |
| Pretax return on assets | 2.3847% | 240 |
| Return on Equity (ROE) | 12.5600% | 1,949 |
| Retained earnings to average equity (ytd only) | -3.6887% | 4,543 |
| Net charge-offs to loans | -0.0088% | 3,777 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 30.5654% | 4,645 |
| Assets per employee ($millions) | 10.9372% | 516 |
| Cash dividends to net income (ytd only)* | 129.3760% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2150% | 2,319 |
| Loan loss allowance to noncurrent loans | 43.1565% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 2.3438% | 90 |
| Noncurrent loans to loans | 2.8154% | 153 |
| Net loans and leases to total assets | 82.2400% | 386 |
| Net loans and leases to deposits | 107.4806% | 207 |
| Net loans and leases to core deposits | 117.4600% | 417 |
| Total domestic deposits to total assets | 76.5100% | 4,222 |
| Equity capital to assets | 13.4195% | 642 |
| Core capital (leverage) ratio | 13.9228% | 731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4065% | 591 |
| Memoranda: | ||
| Average total assets | $360,716,800 | 2,180 |
| Average earning assets | $350,506,600 | 2,109 |
| Average equity | $52,322,400 | 1,557 |
| Average total loans | $284,182,200 | 1,793 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2495% | 803 |
| Cost of funding earning assets | 0.5598% | 549 |
| Net interest margin | 3.6896% | 1,165 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 1.1745% | 4,638 |
| Loan and lease loss provision to assets | 0.2200% | 387 |
| Net operating income to assets | 1.8190% | 415 |
| Return on assets (ROA) | 1.8190% | 407 |
| Pretax return on assets | 2.3840% | 243 |
| Return on Equity (ROE) | 12.2900% | 1,946 |
| Retained earnings to average equity (ytd only) | 2.1460% | 3,993 |
| Net charge-offs to loans | -0.0237% | 4,047 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 31.0879% | 4,684 |
| Assets per employee ($millions) | 10.3490% | 590 |
| Cash dividends to net income (ytd only)* | 82.5423% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2487% | 2,268 |
| Loan loss allowance to noncurrent loans | 98.5619% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 1.1057% | 397 |
| Noncurrent loans to loans | 1.2669% | 578 |
| Net loans and leases to total assets | 80.8100% | 461 |
| Net loans and leases to deposits | 97.3418% | 480 |
| Net loans and leases to core deposits | 102.3459% | 728 |
| Total domestic deposits to total assets | 83.0100% | 3,688 |
| Equity capital to assets | 14.9008% | 459 |
| Core capital (leverage) ratio | 14.9984% | 553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2805% | 418 |
| Memoranda: | ||
| Average total assets | $355,195,750 | 2,217 |
| Average earning assets | $345,823,750 | 2,143 |
| Average equity | $52,560,500 | 1,578 |
| Average total loans | $275,559,500 | 1,828 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0880% | 784 |
| Cost of funding earning assets | 0.5093% | 491 |
| Net interest margin | 3.5787% | 1,105 |
| Noninterest income to average assets | 0.1706% | 4,156 |
| Noninterest expense to average assets | 1.1767% | 4,652 |
| Loan and lease loss provision to assets | 0.2211% | 356 |
| Net operating income to assets | 1.7231% | 404 |
| Return on assets (ROA) | 1.7231% | 399 |
| Pretax return on assets | 2.2576% | 225 |
| Return on Equity (ROE) | 11.6722% | 1,764 |
| Retained earnings to average equity (ytd only) | -3.6860% | 4,488 |
| Net charge-offs to loans | -0.0261% | 3,993 |
| Credit loss provision to net charge-offs | -1,114.2857% | 3,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.1910% | 4,701 |
| Assets per employee ($millions) | 9.9331% | 676 |
| Cash dividends to net income (ytd only)* | 131.5789% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2329% | 2,511 |
| Loan loss allowance to noncurrent loans | 113.3030% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 0.9161% | 544 |
| Noncurrent loans to loans | 1.0882% | 759 |
| Net loans and leases to total assets | 76.1150% | 720 |
| Net loans and leases to deposits | 89.4055% | 754 |
| Net loans and leases to core deposits | 93.9687% | 911 |
| Total domestic deposits to total assets | 85.1346% | 3,457 |
| Equity capital to assets | 14.1879% | 489 |
| Core capital (leverage) ratio | 14.7304% | 512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6252% | 391 |
| Memoranda: | ||
| Average total assets | $352,855,667 | 2,242 |
| Average earning assets | $343,590,000 | 2,167 |
| Average equity | $52,089,667 | 1,631 |
| Average total loans | $268,614,000 | 1,860 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0289% | 728 |
| Cost of funding earning assets | 0.4907% | 519 |
| Net interest margin | 3.5382% | 1,013 |
| Noninterest income to average assets | 0.1181% | 4,413 |
| Noninterest expense to average assets | 1.2491% | 4,647 |
| Loan and lease loss provision to assets | 0.2257% | 310 |
| Net operating income to assets | 1.5918% | 519 |
| Return on assets (ROA) | 1.5918% | 516 |
| Pretax return on assets | 2.0826% | 308 |
| Return on Equity (ROE) | 10.5642% | 1,773 |
| Retained earnings to average equity (ytd only) | -20.1681% | 4,700 |
| Net charge-offs to loans | 0.0964% | 537 |
| Credit loss provision to net charge-offs | 309.5238% | 655 |
| Earnings coverage of net charge-offs (x) | 31.6508% | 1,107 |
| Efficiency ratio | 35.1123% | 4,708 |
| Assets per employee ($millions) | 10.2772% | 636 |
| Cash dividends to net income (ytd only)* | 290.9091% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2131% | 2,788 |
| Loan loss allowance to noncurrent loans | 128.2164% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 0.7956% | 698 |
| Noncurrent loans to loans | 0.9462% | 965 |
| Net loans and leases to total assets | 74.5505% | 614 |
| Net loans and leases to deposits | 88.0168% | 618 |
| Net loans and leases to core deposits | 92.5600% | 793 |
| Total domestic deposits to total assets | 84.7003% | 3,613 |
| Equity capital to assets | 14.4689% | 451 |
| Core capital (leverage) ratio | 14.7033% | 476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6412% | 349 |
| Memoranda: | ||
| Average total assets | $345,521,500 | 2,274 |
| Average earning assets | $335,877,000 | 2,207 |
| Average equity | $52,062,500 | 1,676 |
| Average total loans | $261,304,500 | 1,878 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1513% | 1,078 |
| Cost of funding earning assets | 0.5555% | 689 |
| Net interest margin | 3.5958% | 1,481 |
| Noninterest income to average assets | 0.1288% | 4,501 |
| Noninterest expense to average assets | 1.3278% | 4,665 |
| Loan and lease loss provision to assets | 0.2341% | 423 |
| Net operating income to assets | 1.5694% | 878 |
| Return on assets (ROA) | 1.5724% | 902 |
| Pretax return on assets | 2.0464% | 556 |
| Return on Equity (ROE) | 10.0990% | 2,487 |
| Retained earnings to average equity (ytd only) | 1.7715% | 4,052 |
| Net charge-offs to loans | 0.0209% | 1,853 |
| Credit loss provision to net charge-offs | 1,529.4118% | 375 |
| Earnings coverage of net charge-offs (x) | 148.7255% | 662 |
| Efficiency ratio | 36.8390% | 4,739 |
| Assets per employee ($millions) | 9.7605% | 714 |
| Cash dividends to net income (ytd only)* | 82.4585% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1846% | 2,955 |
| Loan loss allowance to noncurrent loans | 106.7154% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 0.8515% | 689 |
| Noncurrent loans to loans | 1.1100% | 877 |
| Net loans and leases to total assets | 74.8921% | 593 |
| Net loans and leases to deposits | 89.6026% | 579 |
| Net loans and leases to core deposits | 94.3830% | 761 |
| Total domestic deposits to total assets | 83.5825% | 3,670 |
| Equity capital to assets | 15.6804% | 410 |
| Core capital (leverage) ratio | 15.7057% | 388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.3167% | 297 |
| Memoranda: | ||
| Average total assets | $333,177,400 | 2,278 |
| Average earning assets | $322,042,800 | 2,222 |
| Average equity | $51,876,600 | 1,708 |
| Average total loans | $244,285,400 | 1,964 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1781% | 1,138 |
| Cost of funding earning assets | 0.5819% | 698 |
| Net interest margin | 3.5962% | 1,605 |
| Noninterest income to average assets | 0.1248% | 4,567 |
| Noninterest expense to average assets | 1.3105% | 4,746 |
| Loan and lease loss provision to assets | 0.2356% | 405 |
| Net operating income to assets | 1.5778% | 1,083 |
| Return on assets (ROA) | 1.5819% | 1,121 |
| Pretax return on assets | 2.0511% | 736 |
| Return on Equity (ROE) | 10.1784% | 2,671 |
| Retained earnings to average equity (ytd only) | -1.0158% | 4,661 |
| Net charge-offs to loans | -0.0792% | 4,529 |
| Credit loss provision to net charge-offs | -409.0909% | 3,593 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.4839% | 4,804 |
| Assets per employee ($millions) | 9.2038% | 835 |
| Cash dividends to net income (ytd only)* | 109.9796% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2445% | 2,769 |
| Loan loss allowance to noncurrent loans | 52.4910% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 1.7299% | 253 |
| Noncurrent loans to loans | 2.3708% | 329 |
| Net loans and leases to total assets | 71.4470% | 930 |
| Net loans and leases to deposits | 85.1859% | 876 |
| Net loans and leases to core deposits | 89.8657% | 1,042 |
| Total domestic deposits to total assets | 83.8719% | 3,493 |
| Equity capital to assets | 15.3787% | 483 |
| Core capital (leverage) ratio | 15.4230% | 440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.0795% | 301 |
| Memoranda: | ||
| Average total assets | $331,067,500 | 2,311 |
| Average earning assets | $319,177,000 | 2,257 |
| Average equity | $51,454,000 | 1,736 |
| Average total loans | $240,629,000 | 2,021 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1401% | 1,279 |
| Cost of funding earning assets | 0.6247% | 653 |
| Net interest margin | 3.5154% | 1,816 |
| Noninterest income to average assets | 0.1275% | 4,565 |
| Noninterest expense to average assets | 1.3504% | 4,756 |
| Loan and lease loss provision to assets | 0.2379% | 424 |
| Net operating income to assets | 1.4984% | 1,299 |
| Return on assets (ROA) | 1.5047% | 1,340 |
| Pretax return on assets | 1.9316% | 949 |
| Return on Equity (ROE) | 9.6465% | 2,892 |
| Retained earnings to average equity (ytd only) | -7.2456% | 4,832 |
| Net charge-offs to loans | 0.2648% | 334 |
| Credit loss provision to net charge-offs | 123.4177% | 1,244 |
| Earnings coverage of net charge-offs (x) | 11.2152% | 1,769 |
| Efficiency ratio | 38.4509% | 4,791 |
| Assets per employee ($millions) | 8.6776% | 960 |
| Cash dividends to net income (ytd only)* | 175.1115% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9970% | 3,832 |
| Loan loss allowance to noncurrent loans | 55.4993% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 1.3331% | 474 |
| Noncurrent loans to loans | 1.7964% | 579 |
| Net loans and leases to total assets | 72.6375% | 891 |
| Net loans and leases to deposits | 86.6891% | 868 |
| Net loans and leases to core deposits | 91.6985% | 1,027 |
| Total domestic deposits to total assets | 83.7908% | 3,495 |
| Equity capital to assets | 15.4408% | 474 |
| Core capital (leverage) ratio | 15.0873% | 461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.5662% | 318 |
| Memoranda: | ||
| Average total assets | $327,909,333 | 2,320 |
| Average earning assets | $315,694,667 | 2,261 |
| Average equity | $51,148,333 | 1,738 |
| Average total loans | $238,714,333 | 2,042 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0902% | 1,416 |
| Cost of funding earning assets | 0.6553% | 671 |
| Net interest margin | 3.4348% | 2,003 |
| Noninterest income to average assets | 0.1248% | 4,573 |
| Noninterest expense to average assets | 1.3114% | 4,812 |
| Loan and lease loss provision to assets | 0.2385% | 455 |
| Net operating income to assets | 1.4889% | 1,356 |
| Return on assets (ROA) | 1.4985% | 1,400 |
| Pretax return on assets | 1.9083% | 1,102 |
| Return on Equity (ROE) | 9.5583% | 2,835 |
| Retained earnings to average equity (ytd only) | -24.1493% | 4,934 |
| Net charge-offs to loans | 0.6512% | 122 |
| Credit loss provision to net charge-offs | 50.5181% | 1,305 |
| Earnings coverage of net charge-offs (x) | 4.5207% | 1,726 |
| Efficiency ratio | 38.0547% | 4,806 |
| Assets per employee ($millions) | 8.9231% | 860 |
| Cash dividends to net income (ytd only)* | 352.6531% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9081% | 4,133 |
| Loan loss allowance to noncurrent loans | 66.7392% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 0.9635% | 867 |
| Noncurrent loans to loans | 1.3606% | 942 |
| Net loans and leases to total assets | 69.0962% | 1,402 |
| Net loans and leases to deposits | 82.3029% | 1,316 |
| Net loans and leases to core deposits | 87.5157% | 1,410 |
| Total domestic deposits to total assets | 83.9535% | 3,453 |
| Equity capital to assets | 14.6586% | 552 |
| Core capital (leverage) ratio | 15.2317% | 447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.4441% | 308 |
| Memoranda: | ||
| Average total assets | $326,989,000 | 2,306 |
| Average earning assets | $316,172,000 | 2,244 |
| Average equity | $51,264,500 | 1,728 |
| Average total loans | $237,104,500 | 2,052 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5141% | 1,274 |
| Cost of funding earning assets | 0.8807% | 911 |
| Net interest margin | 3.6334% | 2,032 |
| Noninterest income to average assets | 0.1608% | 4,492 |
| Noninterest expense to average assets | 1.3888% | 4,838 |
| Loan and lease loss provision to assets | 0.4205% | 711 |
| Net operating income to assets | 1.4280% | 956 |
| Return on assets (ROA) | 1.4517% | 995 |
| Pretax return on assets | 1.9015% | 550 |
| Return on Equity (ROE) | 8.3721% | 2,663 |
| Retained earnings to average equity (ytd only) | 0.2231% | 4,452 |
| Net charge-offs to loans | 0.2398% | 725 |
| Credit loss provision to net charge-offs | 225.2252% | 2,047 |
| Earnings coverage of net charge-offs (x) | 12.2757% | 2,345 |
| Efficiency ratio | 37.7296% | 4,919 |
| Assets per employee ($millions) | 8.2868% | 940 |
| Cash dividends to net income (ytd only)* | 97.3349% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9833% | 3,926 |
| Loan loss allowance to noncurrent loans | 62.0488% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 1.2188% | 704 |
| Noncurrent loans to loans | 1.5847% | 833 |
| Net loans and leases to total assets | 74.7647% | 930 |
| Net loans and leases to deposits | 91.4484% | 819 |
| Net loans and leases to core deposits | 97.5868% | 1,030 |
| Total domestic deposits to total assets | 81.7561% | 3,717 |
| Equity capital to assets | 16.7752% | 358 |
| Core capital (leverage) ratio | 16.8791% | 321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.7904% | 268 |
| Memoranda: | ||
| Average total assets | $297,245,000 | 2,303 |
| Average earning assets | $287,966,200 | 2,239 |
| Average equity | $51,540,400 | 1,646 |
| Average total loans | $231,431,000 | 2,026 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5263% | 1,508 |
| Cost of funding earning assets | 0.9348% | 949 |
| Net interest margin | 3.5916% | 2,305 |
| Noninterest income to average assets | 0.1666% | 4,470 |
| Noninterest expense to average assets | 1.3678% | 4,879 |
| Loan and lease loss provision to assets | 0.3415% | 1,124 |
| Net operating income to assets | 1.4597% | 976 |
| Return on assets (ROA) | 1.4889% | 1,012 |
| Pretax return on assets | 1.9756% | 541 |
| Return on Equity (ROE) | 8.5122% | 2,594 |
| Retained earnings to average equity (ytd only) | -2.4209% | 4,732 |
| Net charge-offs to loans | 0.1781% | 839 |
| Credit loss provision to net charge-offs | 244.2997% | 1,944 |
| Earnings coverage of net charge-offs (x) | 16.3127% | 2,063 |
| Efficiency ratio | 37.4938% | 4,939 |
| Assets per employee ($millions) | 7.8876% | 1,047 |
| Cash dividends to net income (ytd only)* | 128.4404% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8766% | 4,139 |
| Loan loss allowance to noncurrent loans | 71.3650% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 0.9616% | 1,164 |
| Noncurrent loans to loans | 1.2283% | 1,242 |
| Net loans and leases to total assets | 76.6812% | 1,005 |
| Net loans and leases to deposits | 93.9429% | 929 |
| Net loans and leases to core deposits | 99.9924% | 1,166 |
| Total domestic deposits to total assets | 81.6254% | 3,511 |
| Equity capital to assets | 16.8457% | 393 |
| Core capital (leverage) ratio | 16.6565% | 366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.8811% | 309 |
| Memoranda: | ||
| Average total assets | $292,831,250 | 2,308 |
| Average earning assets | $283,842,750 | 2,250 |
| Average equity | $51,219,250 | 1,647 |
| Average total loans | $229,845,750 | 2,034 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5851% | 1,677 |
| Cost of funding earning assets | 0.9859% | 1,028 |
| Net interest margin | 3.5993% | 2,484 |
| Noninterest income to average assets | 0.1563% | 4,510 |
| Noninterest expense to average assets | 1.4943% | 4,853 |
| Loan and lease loss provision to assets | 0.3473% | 1,219 |
| Net operating income to assets | 1.3966% | 1,123 |
| Return on assets (ROA) | 1.4345% | 1,133 |
| Pretax return on assets | 1.8499% | 740 |
| Return on Equity (ROE) | 8.0950% | 2,711 |
| Retained earnings to average equity (ytd only) | -8.3694% | 4,888 |
| Net charge-offs to loans | 0.1048% | 1,234 |
| Credit loss provision to net charge-offs | 420.1681% | 1,367 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,538 |
| Efficiency ratio | 41.0105% | 4,890 |
| Assets per employee ($millions) | 7.5834% | 1,136 |
| Cash dividends to net income (ytd only)* | 203.3898% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8583% | 4,157 |
| Loan loss allowance to noncurrent loans | 132.0287% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 0.5433% | 2,183 |
| Noncurrent loans to loans | 0.6501% | 2,239 |
| Net loans and leases to total assets | 77.0732% | 988 |
| Net loans and leases to deposits | 97.3837% | 700 |
| Net loans and leases to core deposits | 104.6312% | 963 |
| Total domestic deposits to total assets | 79.1439% | 4,017 |
| Equity capital to assets | 16.7017% | 400 |
| Core capital (leverage) ratio | 17.0251% | 346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.5472% | 322 |
| Memoranda: | ||
| Average total assets | $287,903,333 | 2,321 |
| Average earning assets | $278,944,667 | 2,258 |
| Average equity | $51,019,000 | 1,639 |
| Average total loans | $227,138,000 | 2,033 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6806% | 1,774 |
| Cost of funding earning assets | 1.0713% | 1,138 |
| Net interest margin | 3.6093% | 2,629 |
| Noninterest income to average assets | 0.1399% | 4,664 |
| Noninterest expense to average assets | 1.5375% | 4,893 |
| Loan and lease loss provision to assets | 0.2141% | 1,434 |
| Net operating income to assets | 1.4785% | 823 |
| Return on assets (ROA) | 1.5033% | 850 |
| Pretax return on assets | 1.9116% | 558 |
| Return on Equity (ROE) | 8.2270% | 2,418 |
| Retained earnings to average equity (ytd only) | -24.5871% | 5,005 |
| Net charge-offs to loans | -0.0036% | 3,764 |
| Credit loss provision to net charge-offs | -7,500.0000% | 3,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3349% | 4,933 |
| Assets per employee ($millions) | 7.3558% | 950 |
| Cash dividends to net income (ytd only)* | 398.8604% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7849% | 4,449 |
| Loan loss allowance to noncurrent loans | 144.8749% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 0.5204% | 2,435 |
| Noncurrent loans to loans | 0.5418% | 2,640 |
| Net loans and leases to total assets | 79.0886% | 812 |
| Net loans and leases to deposits | 101.0880% | 487 |
| Net loans and leases to core deposits | 111.9214% | 755 |
| Total domestic deposits to total assets | 78.2374% | 4,178 |
| Equity capital to assets | 17.3357% | 407 |
| Core capital (leverage) ratio | 17.6275% | 361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.8061% | 215 |
| Memoranda: | ||
| Average total assets | $280,187,500 | 2,324 |
| Average earning assets | $271,077,500 | 2,258 |
| Average equity | $51,197,500 | 1,618 |
| Average total loans | $222,800,000 | 2,035 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6986% | 2,332 |
| Cost of funding earning assets | 1.2800% | 815 |
| Net interest margin | 3.4186% | 3,686 |
| Noninterest income to average assets | 0.1819% | 4,582 |
| Noninterest expense to average assets | 1.7456% | 4,831 |
| Loan and lease loss provision to assets | 0.2250% | 860 |
| Net operating income to assets | 1.2068% | 2,032 |
| Return on assets (ROA) | 1.2131% | 2,101 |
| Pretax return on assets | 1.5191% | 1,744 |
| Return on Equity (ROE) | 6.2864% | 3,825 |
| Retained earnings to average equity (ytd only) | 0.9230% | 4,412 |
| Net charge-offs to loans | 0.1620% | 1,239 |
| Credit loss provision to net charge-offs | 181.2689% | 1,448 |
| Earnings coverage of net charge-offs (x) | 13.9879% | 2,311 |
| Efficiency ratio | 50.1346% | 4,724 |
| Assets per employee ($millions) | 7.1973% | 973 |
| Cash dividends to net income (ytd only)* | 85.3168% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7574% | 4,423 |
| Loan loss allowance to noncurrent loans | 77.2449% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 0.8706% | 1,473 |
| Noncurrent loans to loans | 0.9806% | 1,557 |
| Net loans and leases to total assets | 78.7117% | 978 |
| Net loans and leases to deposits | 101.0026% | 527 |
| Net loans and leases to core deposits | 112.6911% | 730 |
| Total domestic deposits to total assets | 77.9304% | 4,370 |
| Equity capital to assets | 19.2554% | 285 |
| Core capital (leverage) ratio | 18.9229% | 282 |
| Tier 1 risk-based capital ratio | 30.4889% | 456 |
| Total risk-based capital ratio | 31.4398% | 461 |
| Memoranda: | ||
| Average total assets | $266,674,600 | 2,349 |
| Average earning assets | $257,416,400 | 2,289 |
| Average equity | $51,460,600 | 1,558 |
| Average total loans | $204,323,000 | 2,137 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6576% | 2,534 |
| Cost of funding earning assets | 1.3133% | 756 |
| Net interest margin | 3.3443% | 4,004 |
| Noninterest income to average assets | 0.1806% | 4,641 |
| Noninterest expense to average assets | 1.5332% | 5,054 |
| Loan and lease loss provision to assets | 0.2264% | 754 |
| Net operating income to assets | 1.3160% | 1,791 |
| Return on assets (ROA) | 1.3169% | 1,860 |
| Pretax return on assets | 1.6485% | 1,476 |
| Return on Equity (ROE) | 6.8203% | 3,754 |
| Retained earnings to average equity (ytd only) | -0.3727% | 4,799 |
| Net charge-offs to loans | 0.0007% | 3,444 |
| Credit loss provision to net charge-offs | 45,000.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 3,733.2406% | 12 |
| Efficiency ratio | 45.0007% | 4,978 |
| Assets per employee ($millions) | 7.2519% | 931 |
| Cash dividends to net income (ytd only)* | 105.4642% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8629% | 4,190 |
| Loan loss allowance to noncurrent loans | 57.9282% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 1.3197% | 908 |
| Noncurrent loans to loans | 1.4896% | 1,017 |
| Net loans and leases to total assets | 78.0578% | 1,134 |
| Net loans and leases to deposits | 98.4979% | 766 |
| Net loans and leases to core deposits | 109.4239% | 972 |
| Total domestic deposits to total assets | 79.2482% | 4,134 |
| Equity capital to assets | 19.3814% | 281 |
| Core capital (leverage) ratio | 19.1770% | 281 |
| Tier 1 risk-based capital ratio | 30.5086% | 470 |
| Total risk-based capital ratio | 31.5775% | 465 |
| Memoranda: | ||
| Average total assets | $264,968,750 | 2,376 |
| Average earning assets | $255,634,500 | 2,312 |
| Average equity | $51,160,000 | 1,569 |
| Average total loans | $201,174,250 | 2,173 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5396% | 2,884 |
| Cost of funding earning assets | 1.3096% | 722 |
| Net interest margin | 3.2300% | 4,292 |
| Noninterest income to average assets | 0.1933% | 4,594 |
| Noninterest expense to average assets | 1.5941% | 5,061 |
| Loan and lease loss provision to assets | 0.2274% | 723 |
| Net operating income to assets | 1.1926% | 2,174 |
| Return on assets (ROA) | 1.1939% | 2,232 |
| Pretax return on assets | 1.4880% | 1,896 |
| Return on Equity (ROE) | 6.1912% | 3,983 |
| Retained earnings to average equity (ytd only) | -4.6581% | 5,049 |
| Net charge-offs to loans | -0.0233% | 4,599 |
| Credit loss provision to net charge-offs | -1,304.3478% | 4,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1897% | 4,892 |
| Assets per employee ($millions) | 7.6318% | 762 |
| Cash dividends to net income (ytd only)* | 175.2381% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8359% | 4,318 |
| Loan loss allowance to noncurrent loans | 46.4295% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 1.4737% | 768 |
| Noncurrent loans to loans | 1.8003% | 837 |
| Net loans and leases to total assets | 73.2768% | 2,008 |
| Net loans and leases to deposits | 93.1223% | 1,360 |
| Net loans and leases to core deposits | 104.1629% | 1,374 |
| Total domestic deposits to total assets | 78.6888% | 4,278 |
| Equity capital to assets | 18.5373% | 327 |
| Core capital (leverage) ratio | 18.9412% | 283 |
| Tier 1 risk-based capital ratio | 30.6788% | 464 |
| Total risk-based capital ratio | 31.6999% | 460 |
| Memoranda: | ||
| Average total assets | $263,852,000 | 2,393 |
| Average earning assets | $254,427,330 | 2,329 |
| Average equity | $50,878,670 | 1,564 |
| Average total loans | $197,810,000 | 2,206 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4093% | 3,191 |
| Cost of funding earning assets | 1.2651% | 740 |
| Net interest margin | 3.1442% | 4,508 |
| Noninterest income to average assets | 0.1811% | 4,666 |
| Noninterest expense to average assets | 1.5990% | 5,099 |
| Loan and lease loss provision to assets | 0.2322% | 652 |
| Net operating income to assets | 1.1198% | 2,393 |
| Return on assets (ROA) | 1.1223% | 2,432 |
| Pretax return on assets | 1.3808% | 2,152 |
| Return on Equity (ROE) | 5.7027% | 4,115 |
| Retained earnings to average equity (ytd only) | -16.0069% | 5,216 |
| Net charge-offs to loans | -0.1086% | 5,047 |
| Credit loss provision to net charge-offs | -283.0189% | 3,702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8312% | 4,842 |
| Assets per employee ($millions) | 6.2096% | 1,398 |
| Cash dividends to net income (ytd only)* | 380.6897% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8026% | 4,513 |
| Loan loss allowance to noncurrent loans | 46.9345% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 1.4209% | 868 |
| Noncurrent loans to loans | 1.7100% | 900 |
| Net loans and leases to total assets | 72.9971% | 1,982 |
| Net loans and leases to deposits | 93.0540% | 1,276 |
| Net loans and leases to core deposits | 100.1140% | 1,613 |
| Total domestic deposits to total assets | 78.4459% | 4,443 |
| Equity capital to assets | 18.6928% | 298 |
| Core capital (leverage) ratio | 19.4988% | 257 |
| Tier 1 risk-based capital ratio | 31.5048% | 426 |
| Total risk-based capital ratio | 32.4957% | 427 |
| Memoranda: | ||
| Average total assets | $258,406,500 | 2,455 |
| Average earning assets | $248,835,500 | 2,391 |
| Average equity | $50,853,000 | 1,560 |
| Average total loans | $195,205,000 | 2,247 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5351% | 2,355 |
| Cost of funding earning assets | 0.7104% | 2,028 |
| Net interest margin | 3.8247% | 2,578 |
| Noninterest income to average assets | 0.1590% | 4,926 |
| Noninterest expense to average assets | 1.7580% | 5,042 |
| Loan and lease loss provision to assets | 0.3074% | 527 |
| Net operating income to assets | 1.4167% | 1,375 |
| Return on assets (ROA) | 1.4206% | 1,360 |
| Pretax return on assets | 1.7748% | 986 |
| Return on Equity (ROE) | 6.8538% | 3,876 |
| Retained earnings to average equity (ytd only) | 2.3452% | 4,212 |
| Net charge-offs to loans | 0.2018% | 950 |
| Credit loss provision to net charge-offs | 198.9390% | 1,450 |
| Earnings coverage of net charge-offs (x) | 13.4430% | 2,456 |
| Efficiency ratio | 45.8373% | 5,123 |
| Assets per employee ($millions) | 6.2450% | 1,362 |
| Cash dividends to net income (ytd only)* | 65.7819% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7085% | 4,790 |
| Loan loss allowance to noncurrent loans | 52.1047% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 1.1753% | 1,115 |
| Noncurrent loans to loans | 1.3598% | 1,150 |
| Net loans and leases to total assets | 77.0806% | 1,430 |
| Net loans and leases to deposits | 101.0809% | 663 |
| Net loans and leases to core deposits | 109.3451% | 1,040 |
| Total domestic deposits to total assets | 76.2563% | 4,726 |
| Equity capital to assets | 20.7341% | 205 |
| Core capital (leverage) ratio | 21.0223% | 195 |
| Tier 1 risk-based capital ratio | 33.5125% | 351 |
| Total risk-based capital ratio | 34.3951% | 353 |
| Memoranda: | ||
| Average total assets | $243,975,000 | 2,515 |
| Average earning assets | $234,503,400 | 2,455 |
| Average equity | $50,570,800 | 1,506 |
| Average total loans | $186,827,400 | 2,278 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4736% | 2,386 |
| Cost of funding earning assets | 0.5424% | 2,916 |
| Net interest margin | 3.9312% | 2,192 |
| Noninterest income to average assets | 0.1589% | 4,985 |
| Noninterest expense to average assets | 1.7329% | 5,107 |
| Loan and lease loss provision to assets | 0.2474% | 640 |
| Net operating income to assets | 1.5689% | 1,027 |
| Return on assets (ROA) | 1.5729% | 1,019 |
| Pretax return on assets | 1.9649% | 684 |
| Return on Equity (ROE) | 7.5889% | 3,715 |
| Retained earnings to average equity (ytd only) | 1.5411% | 4,710 |
| Net charge-offs to loans | -0.0648% | 5,027 |
| Credit loss provision to net charge-offs | -500.0000% | 4,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9793% | 5,211 |
| Assets per employee ($millions) | 5.8716% | 1,590 |
| Cash dividends to net income (ytd only)* | 79.6923% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7914% | 4,648 |
| Loan loss allowance to noncurrent loans | 56.3643% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 1.4140% | 940 |
| Noncurrent loans to loans | 1.4040% | 1,179 |
| Net loans and leases to total assets | 78.3391% | 1,289 |
| Net loans and leases to deposits | 103.8444% | 557 |
| Net loans and leases to core deposits | 111.8024% | 919 |
| Total domestic deposits to total assets | 75.4390% | 4,843 |
| Equity capital to assets | 20.6970% | 203 |
| Core capital (leverage) ratio | 21.1698% | 188 |
| Tier 1 risk-based capital ratio | 33.1618% | 365 |
| Total risk-based capital ratio | 34.1528% | 369 |
| Memoranda: | ||
| Average total assets | $242,518,500 | 2,534 |
| Average earning assets | $233,275,250 | 2,474 |
| Average equity | $50,265,000 | 1,515 |
| Average total loans | $185,053,750 | 2,306 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3976% | 2,423 |
| Cost of funding earning assets | 0.4698% | 3,224 |
| Net interest margin | 3.9278% | 2,115 |
| Noninterest income to average assets | 0.1534% | 5,057 |
| Noninterest expense to average assets | 1.7341% | 5,158 |
| Loan and lease loss provision to assets | 0.2488% | 618 |
| Net operating income to assets | 1.5840% | 953 |
| Return on assets (ROA) | 1.5874% | 947 |
| Pretax return on assets | 1.9531% | 677 |
| Return on Equity (ROE) | 7.6550% | 3,647 |
| Retained earnings to average equity (ytd only) | -1.4638% | 5,111 |
| Net charge-offs to loans | -0.1056% | 5,180 |
| Credit loss provision to net charge-offs | -312.5000% | 4,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1046% | 5,282 |
| Assets per employee ($millions) | 6.0662% | 1,415 |
| Cash dividends to net income (ytd only)* | 119.1223% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7431% | 4,838 |
| Loan loss allowance to noncurrent loans | 69.3644% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 1.1239% | 1,308 |
| Noncurrent loans to loans | 1.0713% | 1,649 |
| Net loans and leases to total assets | 76.9039% | 1,484 |
| Net loans and leases to deposits | 99.4383% | 846 |
| Net loans and leases to core deposits | 105.3224% | 1,292 |
| Total domestic deposits to total assets | 77.3383% | 4,687 |
| Equity capital to assets | 20.6588% | 200 |
| Core capital (leverage) ratio | 21.0553% | 186 |
| Tier 1 risk-based capital ratio | 33.7444% | 353 |
| Total risk-based capital ratio | 34.6757% | 354 |
| Memoranda: | ||
| Average total assets | $241,156,000 | 2,553 |
| Average earning assets | $231,989,670 | 2,496 |
| Average equity | $50,006,670 | 1,524 |
| Average total loans | $181,828,330 | 2,341 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3346% | 2,403 |
| Cost of funding earning assets | 0.4537% | 3,179 |
| Net interest margin | 3.8808% | 2,118 |
| Noninterest income to average assets | 0.1364% | 5,185 |
| Noninterest expense to average assets | 1.7969% | 5,155 |
| Loan and lease loss provision to assets | 0.2496% | 597 |
| Net operating income to assets | 1.4724% | 1,143 |
| Return on assets (ROA) | 1.4791% | 1,127 |
| Pretax return on assets | 1.8269% | 863 |
| Return on Equity (ROE) | 7.1197% | 3,740 |
| Retained earnings to average equity (ytd only) | -11.1400% | 5,394 |
| Net charge-offs to loans | -0.2753% | 5,435 |
| Credit loss provision to net charge-offs | -121.9512% | 3,721 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4916% | 5,250 |
| Assets per employee ($millions) | 6.1479% | 1,403 |
| Cash dividends to net income (ytd only)* | 256.4679% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7037% | 5,021 |
| Loan loss allowance to noncurrent loans | 74.8531% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 1.0227% | 1,532 |
| Noncurrent loans to loans | 0.9401% | 1,945 |
| Net loans and leases to total assets | 74.9757% | 1,709 |
| Net loans and leases to deposits | 94.5132% | 1,183 |
| Net loans and leases to core deposits | 99.7675% | 1,710 |
| Total domestic deposits to total assets | 79.3283% | 4,524 |
| Equity capital to assets | 20.4966% | 198 |
| Core capital (leverage) ratio | 20.5251% | 194 |
| Tier 1 risk-based capital ratio | 34.5453% | 336 |
| Total risk-based capital ratio | 35.4327% | 340 |
| Memoranda: | ||
| Average total assets | $240,410,500 | 2,580 |
| Average earning assets | $230,980,500 | 2,523 |
| Average equity | $49,946,000 | 1,535 |
| Average total loans | $178,741,500 | 2,375 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0332% | 3,293 |
| Cost of funding earning assets | 0.3894% | 3,336 |
| Net interest margin | 3.6438% | 3,008 |
| Noninterest income to average assets | 0.5478% | 2,730 |
| Noninterest expense to average assets | 1.6668% | 5,365 |
| Loan and lease loss provision to assets | 0.3599% | 435 |
| Net operating income to assets | 1.3680% | 1,078 |
| Return on assets (ROA) | 1.3941% | 1,051 |
| Pretax return on assets | 2.0821% | 405 |
| Return on Equity (ROE) | 6.6106% | 3,480 |
| Retained earnings to average equity (ytd only) | 1.1904% | 4,551 |
| Net charge-offs to loans | 0.7992% | 252 |
| Credit loss provision to net charge-offs | 64.3939% | 3,172 |
| Earnings coverage of net charge-offs (x) | 4.3000% | 3,483 |
| Efficiency ratio | 40.9550% | 5,511 |
| Assets per employee ($millions) | 6.3435% | 1,291 |
| Cash dividends to net income (ytd only)* | 81.9921% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5673% | 5,299 |
| Loan loss allowance to noncurrent loans | 57.5618% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 1.0325% | 1,484 |
| Noncurrent loans to loans | 0.9856% | 1,797 |
| Net loans and leases to total assets | 72.7808% | 2,122 |
| Net loans and leases to deposits | 92.3943% | 1,470 |
| Net loans and leases to core deposits | 97.5236% | 1,898 |
| Total domestic deposits to total assets | 78.7720% | 4,587 |
| Equity capital to assets | 21.0525% | 176 |
| Core capital (leverage) ratio | 21.3991% | 161 |
| Tier 1 risk-based capital ratio | 36.6305% | 284 |
| Total risk-based capital ratio | 37.3497% | 291 |
| Memoranda: | ||
| Average total assets | $236,202,200 | 2,597 |
| Average earning assets | $228,305,200 | 2,515 |
| Average equity | $49,813,800 | 1,522 |
| Average total loans | $165,168,800 | 2,476 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9842% | 3,406 |
| Cost of funding earning assets | 0.3693% | 3,469 |
| Net interest margin | 3.6149% | 3,087 |
| Noninterest income to average assets | 0.6559% | 2,180 |
| Noninterest expense to average assets | 1.6176% | 5,441 |
| Loan and lease loss provision to assets | 0.3121% | 495 |
| Net operating income to assets | 1.4889% | 919 |
| Return on assets (ROA) | 1.5166% | 888 |
| Pretax return on assets | 2.2667% | 310 |
| Return on Equity (ROE) | 7.1882% | 3,549 |
| Retained earnings to average equity (ytd only) | -0.0726% | 5,219 |
| Net charge-offs to loans | 0.1799% | 1,168 |
| Credit loss provision to net charge-offs | 251.1416% | 1,129 |
| Earnings coverage of net charge-offs (x) | 20.4203% | 1,953 |
| Efficiency ratio | 38.9321% | 5,604 |
| Assets per employee ($millions) | 6.2428% | 1,347 |
| Cash dividends to net income (ytd only)* | 101.0101% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0802% | 3,595 |
| Loan loss allowance to noncurrent loans | 79.3483% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 1.1837% | 1,392 |
| Noncurrent loans to loans | 1.3613% | 1,382 |
| Net loans and leases to total assets | 69.5615% | 2,621 |
| Net loans and leases to deposits | 88.5456% | 1,981 |
| Net loans and leases to core deposits | 93.5556% | 2,305 |
| Total domestic deposits to total assets | 78.5601% | 4,618 |
| Equity capital to assets | 21.2220% | 179 |
| Core capital (leverage) ratio | 20.9705% | 176 |
| Tier 1 risk-based capital ratio | 37.8225% | 262 |
| Total risk-based capital ratio | 39.0736% | 255 |
| Memoranda: | ||
| Average total assets | $234,989,250 | 2,626 |
| Average earning assets | $227,461,000 | 2,542 |
| Average equity | $49,580,250 | 1,541 |
| Average total loans | $162,350,500 | 2,532 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9361% | 3,428 |
| Cost of funding earning assets | 0.3340% | 3,756 |
| Net interest margin | 3.6021% | 3,030 |
| Noninterest income to average assets | 0.9016% | 1,268 |
| Noninterest expense to average assets | 1.6444% | 5,462 |
| Loan and lease loss provision to assets | 0.2561% | 649 |
| Net operating income to assets | 1.6634% | 614 |
| Return on assets (ROA) | 1.6914% | 582 |
| Pretax return on assets | 2.5324% | 203 |
| Return on Equity (ROE) | 8.0323% | 3,013 |
| Retained earnings to average equity (ytd only) | -2.9153% | 5,425 |
| Net charge-offs to loans | -0.0099% | 4,533 |
| Credit loss provision to net charge-offs | -3,750.0000% | 5,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.4490% | 5,674 |
| Assets per employee ($millions) | 6.3344% | 1,240 |
| Cash dividends to net income (ytd only)* | 136.2948% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0965% | 3,600 |
| Loan loss allowance to noncurrent loans | 56.6561% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 1.5280% | 981 |
| Noncurrent loans to loans | 1.9354% | 890 |
| Net loans and leases to total assets | 66.6632% | 3,011 |
| Net loans and leases to deposits | 84.2538% | 2,439 |
| Net loans and leases to core deposits | 88.4591% | 2,661 |
| Total domestic deposits to total assets | 79.1219% | 4,597 |
| Equity capital to assets | 20.5042% | 205 |
| Core capital (leverage) ratio | 20.7273% | 184 |
| Tier 1 risk-based capital ratio | 37.8586% | 247 |
| Total risk-based capital ratio | 39.1097% | 239 |
| Memoranda: | ||
| Average total assets | $234,243,670 | 2,643 |
| Average earning assets | $226,922,330 | 2,562 |
| Average equity | $49,325,670 | 1,549 |
| Average total loans | $160,860,670 | 2,550 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9746% | 3,128 |
| Cost of funding earning assets | 0.3026% | 4,014 |
| Net interest margin | 3.6720% | 2,598 |
| Noninterest income to average assets | 1.4545% | 510 |
| Noninterest expense to average assets | 1.6986% | 5,479 |
| Loan and lease loss provision to assets | 0.2597% | 562 |
| Net operating income to assets | 2.0328% | 284 |
| Return on assets (ROA) | 2.0328% | 295 |
| Pretax return on assets | 3.0475% | 129 |
| Return on Equity (ROE) | 9.5232% | 2,171 |
| Retained earnings to average equity (ytd only) | -12.3786% | 5,627 |
| Net charge-offs to loans | -0.0100% | 4,419 |
| Credit loss provision to net charge-offs | -3,750.0000% | 4,673 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.9329% | 5,776 |
| Assets per employee ($millions) | 6.4706% | 1,201 |
| Cash dividends to net income (ytd only)* | 229.9830% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0166% | 4,184 |
| Loan loss allowance to noncurrent loans | 66.0032% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 1.3613% | 1,235 |
| Noncurrent loans to loans | 1.5402% | 1,282 |
| Net loans and leases to total assets | 67.9256% | 2,696 |
| Net loans and leases to deposits | 86.2316% | 2,013 |
| Net loans and leases to core deposits | 90.8192% | 2,285 |
| Total domestic deposits to total assets | 78.7712% | 4,867 |
| Equity capital to assets | 20.8424% | 176 |
| Core capital (leverage) ratio | 20.7558% | 179 |
| Tier 1 risk-based capital ratio | 37.9035% | 258 |
| Total risk-based capital ratio | 39.1535% | 253 |
| Memoranda: | ||
| Average total assets | $231,012,000 | 2,699 |
| Average earning assets | $223,421,500 | 2,615 |
| Average equity | $49,311,000 | 1,553 |
| Average total loans | $160,170,000 | 2,575 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8476% | 3,749 |
| Cost of funding earning assets | 0.2771% | 4,284 |
| Net interest margin | 3.5705% | 3,181 |
| Noninterest income to average assets | 0.2903% | 4,663 |
| Noninterest expense to average assets | 1.7740% | 5,497 |
| Loan and lease loss provision to assets | 0.2580% | 804 |
| Net operating income to assets | 1.1506% | 1,691 |
| Return on assets (ROA) | 1.1646% | 1,725 |
| Pretax return on assets | 1.7207% | 949 |
| Return on Equity (ROE) | 5.4967% | 4,208 |
| Retained earnings to average equity (ytd only) | 0.7470% | 5,028 |
| Net charge-offs to loans | 0.7014% | 310 |
| Credit loss provision to net charge-offs | 56.2324% | 3,301 |
| Earnings coverage of net charge-offs (x) | 4.2671% | 3,523 |
| Efficiency ratio | 47.5340% | 5,592 |
| Assets per employee ($millions) | 6.5452% | 1,132 |
| Cash dividends to net income (ytd only)* | 86.4106% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9166% | 4,719 |
| Loan loss allowance to noncurrent loans | 62.4628% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 1.9748% | 704 |
| Noncurrent loans to loans | 1.4674% | 1,379 |
| Net loans and leases to total assets | 69.4147% | 2,561 |
| Net loans and leases to deposits | 89.5038% | 1,739 |
| Net loans and leases to core deposits | 94.4180% | 2,064 |
| Total domestic deposits to total assets | 77.5551% | 5,041 |
| Equity capital to assets | 21.8573% | 153 |
| Core capital (leverage) ratio | 21.6403% | 147 |
| Tier 1 risk-based capital ratio | 37.4948% | 262 |
| Total risk-based capital ratio | 38.5992% | 262 |
| Memoranda: | ||
| Average total assets | $232,528,200 | 2,636 |
| Average earning assets | $224,141,000 | 2,556 |
| Average equity | $49,265,600 | 1,540 |
| Average total loans | $152,122,600 | 2,617 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7875% | 3,958 |
| Cost of funding earning assets | 0.2762% | 4,327 |
| Net interest margin | 3.5113% | 3,427 |
| Noninterest income to average assets | 0.2925% | 4,672 |
| Noninterest expense to average assets | 1.7213% | 5,596 |
| Loan and lease loss provision to assets | 0.2571% | 722 |
| Net operating income to assets | 1.1508% | 1,806 |
| Return on assets (ROA) | 1.1694% | 1,843 |
| Pretax return on assets | 1.7264% | 1,046 |
| Return on Equity (ROE) | 5.5626% | 4,281 |
| Retained earnings to average equity (ytd only) | -0.7962% | 5,475 |
| Net charge-offs to loans | 0.0915% | 2,043 |
| Credit loss provision to net charge-offs | 436.8932% | 789 |
| Earnings coverage of net charge-offs (x) | 33.2427% | 1,396 |
| Efficiency ratio | 46.8075% | 5,637 |
| Assets per employee ($millions) | 6.5661% | 1,065 |
| Cash dividends to net income (ytd only)* | 114.3134% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4292% | 2,068 |
| Loan loss allowance to noncurrent loans | 112.2299% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 1.7832% | 929 |
| Noncurrent loans to loans | 1.2735% | 1,758 |
| Net loans and leases to total assets | 68.5750% | 2,713 |
| Net loans and leases to deposits | 87.6463% | 2,059 |
| Net loans and leases to core deposits | 92.3953% | 2,341 |
| Total domestic deposits to total assets | 78.2407% | 4,871 |
| Equity capital to assets | 21.5557% | 180 |
| Core capital (leverage) ratio | 21.3677% | 154 |
| Tier 1 risk-based capital ratio | 37.0036% | 286 |
| Total risk-based capital ratio | 38.2595% | 283 |
| Memoranda: | ||
| Average total assets | $233,390,000 | 2,644 |
| Average earning assets | $224,979,000 | 2,558 |
| Average equity | $49,064,250 | 1,551 |
| Average total loans | $150,031,500 | 2,644 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7128% | 4,254 |
| Cost of funding earning assets | 0.2760% | 4,383 |
| Net interest margin | 3.4368% | 3,735 |
| Noninterest income to average assets | 0.2745% | 4,822 |
| Noninterest expense to average assets | 1.7018% | 5,687 |
| Loan and lease loss provision to assets | 0.2558% | 747 |
| Net operating income to assets | 1.0998% | 1,957 |
| Return on assets (ROA) | 1.1118% | 2,035 |
| Pretax return on assets | 1.6472% | 1,229 |
| Return on Equity (ROE) | 5.3326% | 4,365 |
| Retained earnings to average equity (ytd only) | -4.2367% | 5,712 |
| Net charge-offs to loans | 0.0886% | 1,961 |
| Credit loss provision to net charge-offs | 461.5385% | 697 |
| Earnings coverage of net charge-offs (x) | 34.0154% | 1,292 |
| Efficiency ratio | 47.4447% | 5,695 |
| Assets per employee ($millions) | 6.8936% | 910 |
| Cash dividends to net income (ytd only)* | 179.4479% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4090% | 2,252 |
| Loan loss allowance to noncurrent loans | 127.7484% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 1.6576% | 1,095 |
| Noncurrent loans to loans | 1.1030% | 2,085 |
| Net loans and leases to total assets | 64.8719% | 3,242 |
| Net loans and leases to deposits | 82.2090% | 2,681 |
| Net loans and leases to core deposits | 86.5251% | 2,853 |
| Total domestic deposits to total assets | 78.9109% | 4,804 |
| Equity capital to assets | 20.8634% | 189 |
| Core capital (leverage) ratio | 20.5463% | 174 |
| Tier 1 risk-based capital ratio | 37.2814% | 281 |
| Total risk-based capital ratio | 38.5361% | 281 |
| Memoranda: | ||
| Average total assets | $234,582,000 | 2,643 |
| Average earning assets | $226,085,330 | 2,567 |
| Average equity | $48,906,330 | 1,554 |
| Average total loans | $146,748,670 | 2,691 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6331% | 4,525 |
| Cost of funding earning assets | 0.2761% | 4,431 |
| Net interest margin | 3.3570% | 4,018 |
| Noninterest income to average assets | 0.2710% | 4,793 |
| Noninterest expense to average assets | 1.6806% | 5,768 |
| Loan and lease loss provision to assets | 0.2557% | 678 |
| Net operating income to assets | 1.0648% | 2,033 |
| Return on assets (ROA) | 1.0891% | 2,049 |
| Pretax return on assets | 1.6039% | 1,279 |
| Return on Equity (ROE) | 5.2260% | 4,378 |
| Retained earnings to average equity (ytd only) | -13.9114% | 5,891 |
| Net charge-offs to loans | 0.1371% | 1,287 |
| Credit loss provision to net charge-offs | 306.1224% | 836 |
| Earnings coverage of net charge-offs (x) | 21.8367% | 1,423 |
| Efficiency ratio | 47.9572% | 5,726 |
| Assets per employee ($millions) | 7.1276% | 847 |
| Cash dividends to net income (ytd only)* | 366.1972% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4088% | 2,380 |
| Loan loss allowance to noncurrent loans | 122.1690% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 1.6581% | 1,182 |
| Noncurrent loans to loans | 1.1531% | 2,096 |
| Net loans and leases to total assets | 60.6665% | 3,690 |
| Net loans and leases to deposits | 76.4829% | 3,164 |
| Net loans and leases to core deposits | 80.5631% | 3,278 |
| Total domestic deposits to total assets | 79.3204% | 4,895 |
| Equity capital to assets | 20.4607% | 196 |
| Core capital (leverage) ratio | 20.3848% | 184 |
| Tier 1 risk-based capital ratio | 39.6334% | 237 |
| Total risk-based capital ratio | 40.8884% | 233 |
| Memoranda: | ||
| Average total assets | $234,682,000 | 2,655 |
| Average earning assets | $226,034,000 | 2,580 |
| Average equity | $48,909,500 | 1,551 |
| Average total loans | $143,012,500 | 2,735 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4887% | 4,950 |
| Cost of funding earning assets | 0.2581% | 4,707 |
| Net interest margin | 3.2307% | 4,530 |
| Noninterest income to average assets | 0.3533% | 4,378 |
| Noninterest expense to average assets | 1.7598% | 5,790 |
| Loan and lease loss provision to assets | 0.2576% | 732 |
| Net operating income to assets | 1.0034% | 2,345 |
| Return on assets (ROA) | 1.0034% | 2,438 |
| Pretax return on assets | 1.4584% | 1,687 |
| Return on Equity (ROE) | 4.7503% | 4,631 |
| Retained earnings to average equity (ytd only) | -0.1281% | 5,531 |
| Net charge-offs to loans | 0.1041% | 2,363 |
| Credit loss provision to net charge-offs | 441.1765% | 696 |
| Earnings coverage of net charge-offs (x) | 29.3897% | 1,473 |
| Efficiency ratio | 50.6299% | 5,729 |
| Assets per employee ($millions) | 7.3173% | 780 |
| Cash dividends to net income (ytd only)* | 102.6958% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3716% | 2,546 |
| Loan loss allowance to noncurrent loans | 122.5806% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 1.6143% | 1,219 |
| Noncurrent loans to loans | 1.1190% | 2,100 |
| Net loans and leases to total assets | 59.5139% | 3,901 |
| Net loans and leases to deposits | 75.7230% | 3,291 |
| Net loans and leases to core deposits | 79.5871% | 3,389 |
| Total domestic deposits to total assets | 78.5942% | 5,053 |
| Equity capital to assets | 21.2225% | 171 |
| Core capital (leverage) ratio | 21.3038% | 150 |
| Tier 1 risk-based capital ratio | 41.8503% | 205 |
| Total risk-based capital ratio | 43.1051% | 200 |
| Memoranda: | ||
| Average total assets | $232,919,400 | 2,636 |
| Average earning assets | $225,124,800 | 2,547 |
| Average equity | $49,196,600 | 1,516 |
| Average total loans | $130,655,000 | 2,879 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4420% | 5,115 |
| Cost of funding earning assets | 0.2517% | 4,867 |
| Net interest margin | 3.1902% | 4,704 |
| Noninterest income to average assets | 0.3840% | 4,194 |
| Noninterest expense to average assets | 1.6336% | 5,959 |
| Loan and lease loss provision to assets | 0.2579% | 652 |
| Net operating income to assets | 1.0833% | 2,083 |
| Return on assets (ROA) | 1.0833% | 2,169 |
| Pretax return on assets | 1.5797% | 1,442 |
| Return on Equity (ROE) | 5.1351% | 4,562 |
| Retained earnings to average equity (ytd only) | -1.3857% | 5,798 |
| Net charge-offs to loans | 0.1760% | 1,424 |
| Credit loss provision to net charge-offs | 266.2722% | 1,084 |
| Earnings coverage of net charge-offs (x) | 18.9702% | 1,972 |
| Efficiency ratio | 47.0608% | 5,918 |
| Assets per employee ($millions) | 7.0677% | 841 |
| Cash dividends to net income (ytd only)* | 126.9840% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3158% | 3,004 |
| Loan loss allowance to noncurrent loans | 112.2841% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 1.6014% | 1,389 |
| Noncurrent loans to loans | 1.1719% | 2,183 |
| Net loans and leases to total assets | 56.4326% | 4,304 |
| Net loans and leases to deposits | 71.8422% | 3,789 |
| Net loans and leases to core deposits | 75.5234% | 3,852 |
| Total domestic deposits to total assets | 78.5507% | 5,078 |
| Equity capital to assets | 21.2122% | 187 |
| Core capital (leverage) ratio | 20.8919% | 173 |
| Tier 1 risk-based capital ratio | 43.1434% | 206 |
| Total risk-based capital ratio | 44.3967% | 204 |
| Memoranda: | ||
| Average total assets | $232,611,250 | 2,666 |
| Average earning assets | $225,097,250 | 2,567 |
| Average equity | $49,072,500 | 1,529 |
| Average total loans | $127,996,000 | 2,942 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4458% | 5,120 |
| Cost of funding earning assets | 0.2400% | 5,054 |
| Net interest margin | 3.2058% | 4,646 |
| Noninterest income to average assets | 0.4501% | 3,707 |
| Noninterest expense to average assets | 1.6351% | 6,031 |
| Loan and lease loss provision to assets | 0.2582% | 658 |
| Net operating income to assets | 1.1368% | 1,818 |
| Return on assets (ROA) | 1.1368% | 1,897 |
| Pretax return on assets | 1.6600% | 1,168 |
| Return on Equity (ROE) | 5.3986% | 4,427 |
| Retained earnings to average equity (ytd only) | -4.4096% | 5,994 |
| Net charge-offs to loans | 0.0158% | 3,388 |
| Credit loss provision to net charge-offs | 3,000.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 222.9000% | 314 |
| Efficiency ratio | 46.0160% | 6,042 |
| Assets per employee ($millions) | 7.0655% | 816 |
| Cash dividends to net income (ytd only)* | 181.6805% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3742% | 2,878 |
| Loan loss allowance to noncurrent loans | 65.4545% | 4,608 |
| Noncurrent assets plus other real estate owned to assets | 2.0956% | 1,030 |
| Noncurrent loans to loans | 2.0994% | 1,150 |
| Net loans and leases to total assets | 54.2992% | 4,522 |
| Net loans and leases to deposits | 68.8574% | 4,048 |
| Net loans and leases to core deposits | 72.3671% | 4,099 |
| Total domestic deposits to total assets | 78.8574% | 5,122 |
| Equity capital to assets | 20.9341% | 180 |
| Core capital (leverage) ratio | 20.8362% | 174 |
| Tier 1 risk-based capital ratio | 42.8813% | 220 |
| Total risk-based capital ratio | 44.1353% | 218 |
| Memoranda: | ||
| Average total assets | $232,403,670 | 2,684 |
| Average earning assets | $224,967,000 | 2,584 |
| Average equity | $48,938,670 | 1,532 |
| Average total loans | $126,203,000 | 2,978 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4342% | 5,133 |
| Cost of funding earning assets | 0.2421% | 5,106 |
| Net interest margin | 3.1921% | 4,635 |
| Noninterest income to average assets | 0.5327% | 3,071 |
| Noninterest expense to average assets | 1.6274% | 6,086 |
| Loan and lease loss provision to assets | 0.2586% | 627 |
| Net operating income to assets | 1.1912% | 1,577 |
| Return on assets (ROA) | 1.1912% | 1,672 |
| Pretax return on assets | 1.7377% | 971 |
| Return on Equity (ROE) | 5.6405% | 4,208 |
| Retained earnings to average equity (ytd only) | -13.9502% | 6,214 |
| Net charge-offs to loans | -0.0416% | 5,429 |
| Credit loss provision to net charge-offs | -1,153.8462% | 5,007 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9096% | 6,145 |
| Assets per employee ($millions) | 7.3318% | 729 |
| Cash dividends to net income (ytd only)* | 347.3227% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2923% | 3,442 |
| Loan loss allowance to noncurrent loans | 47.7677% | 5,083 |
| Noncurrent assets plus other real estate owned to assets | 2.4602% | 877 |
| Noncurrent loans to loans | 2.7054% | 867 |
| Net loans and leases to total assets | 53.2924% | 4,516 |
| Net loans and leases to deposits | 67.3762% | 4,014 |
| Net loans and leases to core deposits | 70.7750% | 4,082 |
| Total domestic deposits to total assets | 79.0967% | 5,249 |
| Equity capital to assets | 20.5631% | 205 |
| Core capital (leverage) ratio | 20.5579% | 185 |
| Tier 1 risk-based capital ratio | 41.8532% | 235 |
| Total risk-based capital ratio | 43.1054% | 232 |
| Memoranda: | ||
| Average total assets | $232,025,500 | 2,703 |
| Average earning assets | $224,682,000 | 2,599 |
| Average equity | $49,003,000 | 1,537 |
| Average total loans | $125,120,500 | 2,998 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2772% | 5,735 |
| Cost of funding earning assets | 0.2640% | 5,175 |
| Net interest margin | 3.0132% | 5,424 |
| Noninterest income to average assets | 0.3749% | 4,384 |
| Noninterest expense to average assets | 1.5984% | 6,236 |
| Loan and lease loss provision to assets | 0.2135% | 1,168 |
| Net operating income to assets | 1.0326% | 2,252 |
| Return on assets (ROA) | 1.0326% | 2,322 |
| Pretax return on assets | 1.4925% | 1,572 |
| Return on Equity (ROE) | 4.9283% | 4,700 |
| Retained earnings to average equity (ytd only) | 0.8316% | 5,397 |
| Net charge-offs to loans | 0.1920% | 2,129 |
| Credit loss provision to net charge-offs | 226.2443% | 1,112 |
| Earnings coverage of net charge-offs (x) | 18.0769% | 1,866 |
| Efficiency ratio | 48.3717% | 6,169 |
| Assets per employee ($millions) | 6.5552% | 1,027 |
| Cash dividends to net income (ytd only)* | 83.1266% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1928% | 4,044 |
| Loan loss allowance to noncurrent loans | 51.9563% | 5,042 |
| Noncurrent assets plus other real estate owned to assets | 2.2861% | 1,051 |
| Noncurrent loans to loans | 2.2959% | 1,135 |
| Net loans and leases to total assets | 53.2166% | 4,665 |
| Net loans and leases to deposits | 68.1735% | 4,110 |
| Net loans and leases to core deposits | 71.7355% | 4,153 |
| Total domestic deposits to total assets | 78.0606% | 5,427 |
| Equity capital to assets | 21.6888% | 164 |
| Core capital (leverage) ratio | 21.4479% | 155 |
| Tier 1 risk-based capital ratio | 44.8590% | 178 |
| Total risk-based capital ratio | 46.1082% | 179 |
| Memoranda: | ||
| Average total assets | $234,170,200 | 2,660 |
| Average earning assets | $227,665,800 | 2,540 |
| Average equity | $49,063,400 | 1,469 |
| Average total loans | $115,126,800 | 3,121 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2474% | 5,845 |
| Cost of funding earning assets | 0.2665% | 5,246 |
| Net interest margin | 2.9809% | 5,541 |
| Noninterest income to average assets | 0.4152% | 4,135 |
| Noninterest expense to average assets | 1.5432% | 6,328 |
| Loan and lease loss provision to assets | 0.1700% | 1,451 |
| Net operating income to assets | 1.1075% | 1,997 |
| Return on assets (ROA) | 1.1075% | 2,061 |
| Pretax return on assets | 1.6043% | 1,314 |
| Return on Equity (ROE) | 5.3317% | 4,563 |
| Retained earnings to average equity (ytd only) | -0.1500% | 5,823 |
| Net charge-offs to loans | 0.1616% | 2,185 |
| Credit loss provision to net charge-offs | 218.9781% | 1,181 |
| Earnings coverage of net charge-offs (x) | 22.8616% | 1,615 |
| Efficiency ratio | 46.5164% | 6,267 |
| Assets per employee ($millions) | 6.9504% | 819 |
| Cash dividends to net income (ytd only)* | 102.8132% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1182% | 4,664 |
| Loan loss allowance to noncurrent loans | 82.7040% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 1.6893% | 1,792 |
| Noncurrent loans to loans | 1.3521% | 2,383 |
| Net loans and leases to total assets | 50.8165% | 4,911 |
| Net loans and leases to deposits | 64.5542% | 4,477 |
| Net loans and leases to core deposits | 67.7929% | 4,525 |
| Total domestic deposits to total assets | 78.7191% | 5,388 |
| Equity capital to assets | 20.8963% | 194 |
| Core capital (leverage) ratio | 20.8491% | 177 |
| Tier 1 risk-based capital ratio | 45.2352% | 176 |
| Total risk-based capital ratio | 46.4810% | 176 |
| Memoranda: | ||
| Average total assets | $235,354,750 | 2,668 |
| Average earning assets | $229,143,750 | 2,548 |
| Average equity | $48,889,000 | 1,476 |
| Average total loans | $113,016,000 | 3,181 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1936% | 5,964 |
| Cost of funding earning assets | 0.2707% | 5,282 |
| Net interest margin | 2.9229% | 5,693 |
| Noninterest income to average assets | 0.4774% | 3,651 |
| Noninterest expense to average assets | 1.5308% | 6,399 |
| Loan and lease loss provision to assets | 0.1276% | 1,934 |
| Net operating income to assets | 1.1598% | 1,719 |
| Return on assets (ROA) | 1.1598% | 1,793 |
| Pretax return on assets | 1.6670% | 1,095 |
| Return on Equity (ROE) | 5.5947% | 4,391 |
| Retained earnings to average equity (ytd only) | -2.6557% | 6,067 |
| Net charge-offs to loans | 0.1071% | 2,609 |
| Credit loss provision to net charge-offs | 254.2373% | 979 |
| Earnings coverage of net charge-offs (x) | 35.7458% | 1,138 |
| Efficiency ratio | 46.0338% | 6,363 |
| Assets per employee ($millions) | 7.0380% | 787 |
| Cash dividends to net income (ytd only)* | 147.4688% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0955% | 4,935 |
| Loan loss allowance to noncurrent loans | 71.2860% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 1.7552% | 1,855 |
| Noncurrent loans to loans | 1.5368% | 2,259 |
| Net loans and leases to total assets | 48.5198% | 5,128 |
| Net loans and leases to deposits | 61.1892% | 4,762 |
| Net loans and leases to core deposits | 64.3653% | 4,784 |
| Total domestic deposits to total assets | 79.2948% | 5,388 |
| Equity capital to assets | 20.3985% | 203 |
| Core capital (leverage) ratio | 20.6946% | 177 |
| Tier 1 risk-based capital ratio | 45.9011% | 163 |
| Total risk-based capital ratio | 47.1127% | 165 |
| Memoranda: | ||
| Average total assets | $235,034,670 | 2,681 |
| Average earning assets | $229,017,330 | 2,556 |
| Average equity | $48,725,000 | 1,469 |
| Average total loans | $110,206,330 | 3,238 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2372% | 5,952 |
| Cost of funding earning assets | 0.2823% | 5,256 |
| Net interest margin | 2.9550% | 5,637 |
| Noninterest income to average assets | 0.3452% | 4,612 |
| Noninterest expense to average assets | 1.5886% | 6,441 |
| Loan and lease loss provision to assets | 0.2576% | 827 |
| Net operating income to assets | 0.9600% | 2,360 |
| Return on assets (ROA) | 0.9600% | 2,429 |
| Pretax return on assets | 1.3757% | 1,831 |
| Return on Equity (ROE) | 4.5931% | 4,747 |
| Retained earnings to average equity (ytd only) | -11.9224% | 6,418 |
| Net charge-offs to loans | 0.2776% | 1,233 |
| Credit loss provision to net charge-offs | 202.7027% | 1,028 |
| Earnings coverage of net charge-offs (x) | 12.8514% | 1,695 |
| Efficiency ratio | 49.3070% | 6,300 |
| Assets per employee ($millions) | 7.1462% | 745 |
| Cash dividends to net income (ytd only)* | 359.5707% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1630% | 4,810 |
| Loan loss allowance to noncurrent loans | 55.4296% | 5,001 |
| Noncurrent assets plus other real estate owned to assets | 2.0833% | 1,615 |
| Noncurrent loans to loans | 2.0981% | 1,761 |
| Net loans and leases to total assets | 45.8035% | 5,349 |
| Net loans and leases to deposits | 57.7598% | 4,968 |
| Net loans and leases to core deposits | 60.8017% | 4,971 |
| Total domestic deposits to total assets | 79.2999% | 5,630 |
| Equity capital to assets | 20.3380% | 196 |
| Core capital (leverage) ratio | 20.4112% | 188 |
| Tier 1 risk-based capital ratio | 46.8707% | 157 |
| Total risk-based capital ratio | 48.1140% | 156 |
| Memoranda: | ||
| Average total assets | $232,906,000 | 2,715 |
| Average earning assets | $226,737,500 | 2,589 |
| Average equity | $48,681,500 | 1,472 |
| Average total loans | $106,614,500 | 3,328 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2548% | 6,066 |
| Cost of funding earning assets | 0.3506% | 5,132 |
| Net interest margin | 2.9042% | 5,778 |
| Noninterest income to average assets | 0.1532% | 6,174 |
| Noninterest expense to average assets | 1.4537% | 6,599 |
| Loan and lease loss provision to assets | 0.3125% | 1,064 |
| Net operating income to assets | 0.8612% | 2,970 |
| Return on assets (ROA) | 0.8612% | 3,055 |
| Pretax return on assets | 1.2165% | 2,510 |
| Return on Equity (ROE) | 4.1464% | 5,038 |
| Retained earnings to average equity (ytd only) | 4.1464% | 3,222 |
| Net charge-offs to loans | 0.5654% | 1,161 |
| Credit loss provision to net charge-offs | 121.0614% | 1,966 |
| Earnings coverage of net charge-offs (x) | 5.9237% | 3,173 |
| Efficiency ratio | 48.7371% | 6,461 |
| Assets per employee ($millions) | 7.1871% | 694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1497% | 4,914 |
| Loan loss allowance to noncurrent loans | 56.9590% | 4,976 |
| Noncurrent assets plus other real estate owned to assets | 2.2188% | 1,608 |
| Noncurrent loans to loans | 2.0184% | 1,969 |
| Net loans and leases to total assets | 44.6751% | 5,612 |
| Net loans and leases to deposits | 57.1321% | 5,199 |
| Net loans and leases to core deposits | 60.2608% | 5,203 |
| Total domestic deposits to total assets | 78.1962% | 5,798 |
| Equity capital to assets | 21.4799% | 156 |
| Core capital (leverage) ratio | 21.3406% | 150 |
| Tier 1 risk-based capital ratio | 48.8434% | 141 |
| Total risk-based capital ratio | 50.0257% | 142 |
| Memoranda: | ||
| Average total assets | $233,616,600 | 2,685 |
| Average earning assets | $227,601,800 | 2,537 |
| Average equity | $48,523,800 | 1,457 |
| Average total loans | $106,658,000 | 3,310 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2657% | 6,111 |
| Cost of funding earning assets | 0.3622% | 5,175 |
| Net interest margin | 2.9035% | 5,808 |
| Noninterest income to average assets | 0.1404% | 6,327 |
| Noninterest expense to average assets | 1.3906% | 6,699 |
| Loan and lease loss provision to assets | 0.4150% | 715 |
| Net operating income to assets | 0.8283% | 3,203 |
| Return on assets (ROA) | 0.8283% | 3,324 |
| Pretax return on assets | 1.1649% | 2,832 |
| Return on Equity (ROE) | 4.0216% | 5,214 |
| Retained earnings to average equity (ytd only) | 4.0216% | 3,832 |
| Net charge-offs to loans | 0.6583% | 924 |
| Credit loss provision to net charge-offs | 137.7358% | 1,700 |
| Earnings coverage of net charge-offs (x) | 5.2434% | 3,245 |
| Efficiency ratio | 46.8134% | 6,559 |
| Assets per employee ($millions) | 7.2592% | 661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1759% | 4,984 |
| Loan loss allowance to noncurrent loans | 62.2790% | 4,725 |
| Noncurrent assets plus other real estate owned to assets | 2.1925% | 1,820 |
| Noncurrent loans to loans | 1.8882% | 2,386 |
| Net loans and leases to total assets | 45.8736% | 5,558 |
| Net loans and leases to deposits | 58.3186% | 5,156 |
| Net loans and leases to core deposits | 61.4569% | 5,172 |
| Total domestic deposits to total assets | 78.6603% | 5,807 |
| Equity capital to assets | 21.0426% | 173 |
| Core capital (leverage) ratio | 20.9360% | 164 |
| Tier 1 risk-based capital ratio | 45.5776% | 167 |
| Total risk-based capital ratio | 46.7616% | 170 |
| Memoranda: | ||
| Average total assets | $234,524,000 | 2,691 |
| Average earning assets | $228,593,750 | 2,542 |
| Average equity | $48,304,500 | 1,469 |
| Average total loans | $107,337,000 | 3,323 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2350% | 6,180 |
| Cost of funding earning assets | 0.3740% | 5,190 |
| Net interest margin | 2.8610% | 5,873 |
| Noninterest income to average assets | 0.1624% | 6,242 |
| Noninterest expense to average assets | 1.3338% | 6,769 |
| Loan and lease loss provision to assets | 0.6206% | 404 |
| Net operating income to assets | 0.6920% | 3,847 |
| Return on assets (ROA) | 0.6920% | 4,014 |
| Pretax return on assets | 0.9980% | 3,519 |
| Return on Equity (ROE) | 3.3837% | 5,478 |
| Retained earnings to average equity (ytd only) | 3.3837% | 4,167 |
| Net charge-offs to loans | 0.9331% | 663 |
| Credit loss provision to net charge-offs | 146.0000% | 1,569 |
| Earnings coverage of net charge-offs (x) | 3.8080% | 3,297 |
| Efficiency ratio | 45.1771% | 6,675 |
| Assets per employee ($millions) | 7.2208% | 652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2049% | 4,964 |
| Loan loss allowance to noncurrent loans | 39.7550% | 5,642 |
| Noncurrent assets plus other real estate owned to assets | 2.2916% | 1,890 |
| Noncurrent loans to loans | 3.0309% | 1,467 |
| Net loans and leases to total assets | 46.0593% | 5,526 |
| Net loans and leases to deposits | 58.3721% | 5,129 |
| Net loans and leases to core deposits | 62.0660% | 5,088 |
| Total domestic deposits to total assets | 78.9064% | 5,815 |
| Equity capital to assets | 20.8361% | 171 |
| Core capital (leverage) ratio | 20.5278% | 168 |
| Tier 1 risk-based capital ratio | 45.0053% | 167 |
| Total risk-based capital ratio | 46.2181% | 169 |
| Memoranda: | ||
| Average total assets | $235,267,000 | 2,694 |
| Average earning assets | $229,430,670 | 2,545 |
| Average equity | $48,112,330 | 1,480 |
| Average total loans | $107,172,670 | 3,335 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2229% | 6,275 |
| Cost of funding earning assets | 0.3888% | 5,211 |
| Net interest margin | 2.8340% | 5,958 |
| Noninterest income to average assets | 0.1550% | 6,333 |
| Noninterest expense to average assets | 1.3902% | 6,827 |
| Loan and lease loss provision to assets | 0.4213% | 717 |
| Net operating income to assets | 0.7701% | 3,330 |
| Return on assets (ROA) | 0.7701% | 3,471 |
| Pretax return on assets | 1.1071% | 2,929 |
| Return on Equity (ROE) | 3.8007% | 5,195 |
| Retained earnings to average equity (ytd only) | 3.8007% | 3,955 |
| Net charge-offs to loans | 0.3854% | 1,490 |
| Credit loss provision to net charge-offs | 242.7184% | 944 |
| Earnings coverage of net charge-offs (x) | 8.8058% | 1,910 |
| Efficiency ratio | 47.6328% | 6,625 |
| Assets per employee ($millions) | 7.7081% | 559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1371% | 5,455 |
| Loan loss allowance to noncurrent loans | 29.3904% | 6,050 |
| Noncurrent assets plus other real estate owned to assets | 2.5671% | 1,787 |
| Noncurrent loans to loans | 3.8691% | 1,184 |
| Net loans and leases to total assets | 44.2067% | 5,637 |
| Net loans and leases to deposits | 55.7416% | 5,272 |
| Net loans and leases to core deposits | 59.1249% | 5,234 |
| Total domestic deposits to total assets | 79.3065% | 5,908 |
| Equity capital to assets | 20.2051% | 210 |
| Core capital (leverage) ratio | 20.1518% | 186 |
| Tier 1 risk-based capital ratio | 44.9764% | 168 |
| Total risk-based capital ratio | 46.1194% | 170 |
| Memoranda: | ||
| Average total assets | $237,368,000 | 2,704 |
| Average earning assets | $231,471,000 | 2,560 |
| Average equity | $48,096,000 | 1,500 |
| Average total loans | $106,896,500 | 3,363 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4937% | 6,363 |
| Cost of funding earning assets | 0.5746% | 4,592 |
| Net interest margin | 2.9191% | 6,190 |
| Noninterest income to average assets | 0.2070% | 5,933 |
| Noninterest expense to average assets | 1.3583% | 6,930 |
| Loan and lease loss provision to assets | 0.4618% | 1,360 |
| Net operating income to assets | 0.8211% | 3,183 |
| Return on assets (ROA) | 0.8217% | 3,432 |
| Pretax return on assets | 1.1750% | 2,887 |
| Return on Equity (ROE) | 4.0788% | 5,107 |
| Retained earnings to average equity (ytd only) | -2.9400% | 6,257 |
| Net charge-offs to loans | 0.9650% | 1,145 |
| Credit loss provision to net charge-offs | 106.5197% | 2,792 |
| Earnings coverage of net charge-offs (x) | 3.7737% | 3,612 |
| Efficiency ratio | 45.3637% | 6,805 |
| Assets per employee ($millions) | 7.6060% | 595 |
| Cash dividends to net income (ytd only)* | 172.0789% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9986% | 5,974 |
| Loan loss allowance to noncurrent loans | 33.7547% | 5,903 |
| Noncurrent assets plus other real estate owned to assets | 1.9849% | 2,469 |
| Noncurrent loans to loans | 2.9585% | 1,766 |
| Net loans and leases to total assets | 44.9043% | 5,739 |
| Net loans and leases to deposits | 56.8238% | 5,356 |
| Net loans and leases to core deposits | 60.3269% | 5,336 |
| Total domestic deposits to total assets | 79.0238% | 5,884 |
| Equity capital to assets | 20.3201% | 213 |
| Core capital (leverage) ratio | 20.0738% | 193 |
| Tier 1 risk-based capital ratio | 45.1165% | 171 |
| Total risk-based capital ratio | 46.1341% | 173 |
| Memoranda: | ||
| Average total assets | $240,594,000 | 2,627 |
| Average earning assets | $229,729,400 | 2,515 |
| Average equity | $48,469,600 | 1,449 |
| Average total loans | $108,082,600 | 3,334 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4886% | 6,520 |
| Cost of funding earning assets | 0.6188% | 4,461 |
| Net interest margin | 2.8699% | 6,409 |
| Noninterest income to average assets | 0.2305% | 5,896 |
| Noninterest expense to average assets | 1.4568% | 6,960 |
| Loan and lease loss provision to assets | 0.5415% | 1,091 |
| Net operating income to assets | 0.6852% | 3,978 |
| Return on assets (ROA) | 0.6860% | 4,233 |
| Pretax return on assets | 0.9595% | 3,878 |
| Return on Equity (ROE) | 3.4122% | 5,526 |
| Retained earnings to average equity (ytd only) | -1.5250% | 6,336 |
| Net charge-offs to loans | 0.6669% | 1,646 |
| Credit loss provision to net charge-offs | 181.1808% | 1,536 |
| Earnings coverage of net charge-offs (x) | 5.0184% | 3,136 |
| Efficiency ratio | 49.2727% | 6,644 |
| Assets per employee ($millions) | 7.2347% | 655 |
| Cash dividends to net income (ytd only)* | 144.6941% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3270% | 4,690 |
| Loan loss allowance to noncurrent loans | 56.3821% | 4,830 |
| Noncurrent assets plus other real estate owned to assets | 1.7613% | 2,968 |
| Noncurrent loans to loans | 2.3536% | 2,449 |
| Net loans and leases to total assets | 44.8493% | 5,886 |
| Net loans and leases to deposits | 56.8426% | 5,553 |
| Net loans and leases to core deposits | 60.3046% | 5,524 |
| Total domestic deposits to total assets | 78.9008% | 5,895 |
| Equity capital to assets | 20.4797% | 222 |
| Core capital (leverage) ratio | 20.2616% | 200 |
| Tier 1 risk-based capital ratio | 45.6021% | 173 |
| Total risk-based capital ratio | 46.8532% | 172 |
| Memoranda: | ||
| Average total assets | $241,796,000 | 2,635 |
| Average earning assets | $229,692,750 | 2,531 |
| Average equity | $48,609,000 | 1,458 |
| Average total loans | $108,366,750 | 3,357 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5523% | 6,541 |
| Cost of funding earning assets | 0.6761% | 4,214 |
| Net interest margin | 2.8761% | 6,458 |
| Noninterest income to average assets | 0.1977% | 6,143 |
| Noninterest expense to average assets | 1.5526% | 6,970 |
| Loan and lease loss provision to assets | 0.5609% | 1,089 |
| Net operating income to assets | 0.5743% | 4,476 |
| Return on assets (ROA) | 0.5749% | 4,746 |
| Pretax return on assets | 0.7899% | 4,508 |
| Return on Equity (ROE) | 2.8775% | 5,738 |
| Retained earnings to average equity (ytd only) | -4.5430% | 6,593 |
| Net charge-offs to loans | 0.9620% | 1,151 |
| Credit loss provision to net charge-offs | 130.7102% | 2,099 |
| Earnings coverage of net charge-offs (x) | 3.1459% | 3,483 |
| Efficiency ratio | 53.4904% | 6,368 |
| Assets per employee ($millions) | 7.2925% | 635 |
| Cash dividends to net income (ytd only)* | 257.8797% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0738% | 5,881 |
| Loan loss allowance to noncurrent loans | 70.0906% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 1.5192% | 3,426 |
| Noncurrent loans to loans | 1.5321% | 3,606 |
| Net loans and leases to total assets | 44.4066% | 5,977 |
| Net loans and leases to deposits | 55.9488% | 5,652 |
| Net loans and leases to core deposits | 59.2983% | 5,665 |
| Total domestic deposits to total assets | 79.3701% | 5,888 |
| Equity capital to assets | 20.0984% | 233 |
| Core capital (leverage) ratio | 19.9014% | 212 |
| Tier 1 risk-based capital ratio | 46.4483% | 155 |
| Total risk-based capital ratio | 47.5785% | 156 |
| Memoranda: | ||
| Average total assets | $242,813,330 | 2,627 |
| Average earning assets | $228,361,670 | 2,540 |
| Average equity | $48,514,000 | 1,454 |
| Average total loans | $108,317,330 | 3,373 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5176% | 6,673 |
| Cost of funding earning assets | 0.7356% | 3,980 |
| Net interest margin | 2.7820% | 6,664 |
| Noninterest income to average assets | 0.1460% | 6,510 |
| Noninterest expense to average assets | 1.5006% | 7,063 |
| Loan and lease loss provision to assets | 1.1169% | 354 |
| Net operating income to assets | 0.1755% | 6,053 |
| Return on assets (ROA) | 0.1771% | 6,189 |
| Pretax return on assets | 0.1476% | 6,300 |
| Return on Equity (ROE) | 0.8891% | 6,370 |
| Retained earnings to average equity (ytd only) | -13.9295% | 6,952 |
| Net charge-offs to loans | 2.0652% | 448 |
| Credit loss provision to net charge-offs | 121.6071% | 1,961 |
| Earnings coverage of net charge-offs (x) | 1.3750% | 3,640 |
| Efficiency ratio | 54.3027% | 6,315 |
| Assets per employee ($millions) | 6.9256% | 783 |
| Cash dividends to net income (ytd only)* | 1,666.6667% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0327% | 6,143 |
| Loan loss allowance to noncurrent loans | 58.5379% | 4,608 |
| Noncurrent assets plus other real estate owned to assets | 1.7509% | 3,239 |
| Noncurrent loans to loans | 1.7642% | 3,462 |
| Net loans and leases to total assets | 44.3180% | 5,977 |
| Net loans and leases to deposits | 55.4446% | 5,664 |
| Net loans and leases to core deposits | 58.7108% | 5,653 |
| Total domestic deposits to total assets | 79.9320% | 5,866 |
| Equity capital to assets | 19.6604% | 236 |
| Core capital (leverage) ratio | 19.2986% | 230 |
| Tier 1 risk-based capital ratio | 46.4481% | 149 |
| Total risk-based capital ratio | 47.5540% | 148 |
| Memoranda: | ||
| Average total assets | $243,894,500 | 2,623 |
| Average earning assets | $229,475,000 | 2,539 |
| Average equity | $48,587,500 | 1,452 |
| Average total loans | $108,463,500 | 3,393 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7876% | 6,742 |
| Cost of funding earning assets | 0.8885% | 4,199 |
| Net interest margin | 2.8991% | 6,690 |
| Noninterest income to average assets | 0.1303% | 6,506 |
| Noninterest expense to average assets | 1.3154% | 7,237 |
| Loan and lease loss provision to assets | 0.4815% | 2,195 |
| Net operating income to assets | 0.8038% | 3,023 |
| Return on assets (ROA) | 0.8044% | 3,182 |
| Pretax return on assets | 1.1107% | 2,796 |
| Return on Equity (ROE) | 4.0693% | 4,814 |
| Retained earnings to average equity (ytd only) | 0.9989% | 5,396 |
| Net charge-offs to loans | 1.0946% | 1,571 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 3.3050% | 3,562 |
| Efficiency ratio | 45.2533% | 7,082 |
| Assets per employee ($millions) | 7.0112% | 736 |
| Cash dividends to net income (ytd only)* | 75.4527% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9227% | 6,479 |
| Loan loss allowance to noncurrent loans | 42.4628% | 5,459 |
| Noncurrent assets plus other real estate owned to assets | 1.9532% | 3,036 |
| Noncurrent loans to loans | 2.1729% | 2,980 |
| Net loans and leases to total assets | 43.7588% | 6,231 |
| Net loans and leases to deposits | 55.2528% | 5,956 |
| Net loans and leases to core deposits | 58.6826% | 5,956 |
| Total domestic deposits to total assets | 79.1975% | 5,946 |
| Equity capital to assets | 20.1795% | 227 |
| Core capital (leverage) ratio | 19.8000% | 210 |
| Tier 1 risk-based capital ratio | 47.0226% | 154 |
| Total risk-based capital ratio | 47.9866% | 155 |
| Memoranda: | ||
| Average total assets | $247,143,400 | 2,552 |
| Average earning assets | $236,691,800 | 2,435 |
| Average equity | $48,853,200 | 1,397 |
| Average total loans | $108,718,000 | 3,409 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7662% | 6,876 |
| Cost of funding earning assets | 0.9136% | 4,310 |
| Net interest margin | 2.8527% | 6,824 |
| Noninterest income to average assets | 0.1239% | 6,642 |
| Noninterest expense to average assets | 1.2909% | 7,316 |
| Loan and lease loss provision to assets | 0.3500% | 2,773 |
| Net operating income to assets | 0.8808% | 2,820 |
| Return on assets (ROA) | 0.8816% | 2,964 |
| Pretax return on assets | 1.2284% | 2,529 |
| Return on Equity (ROE) | 4.4830% | 4,775 |
| Retained earnings to average equity (ytd only) | 0.3752% | 5,841 |
| Net charge-offs to loans | 0.7965% | 1,970 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 4.5061% | 3,047 |
| Efficiency ratio | 45.0056% | 7,101 |
| Assets per employee ($millions) | 7.3568% | 616 |
| Cash dividends to net income (ytd only)* | 91.6311% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9119% | 6,563 |
| Loan loss allowance to noncurrent loans | 24.8756% | 6,492 |
| Noncurrent assets plus other real estate owned to assets | 2.3240% | 2,761 |
| Noncurrent loans to loans | 3.6657% | 1,870 |
| Net loans and leases to total assets | 43.4427% | 6,389 |
| Net loans and leases to deposits | 54.6168% | 6,150 |
| Net loans and leases to core deposits | 58.0818% | 6,120 |
| Total domestic deposits to total assets | 79.5408% | 5,857 |
| Equity capital to assets | 19.7140% | 259 |
| Core capital (leverage) ratio | 19.5981% | 233 |
| Tier 1 risk-based capital ratio | 45.3024% | 175 |
| Total risk-based capital ratio | 46.2379% | 176 |
| Memoranda: | ||
| Average total assets | $247,581,000 | 2,560 |
| Average earning assets | $238,181,000 | 2,424 |
| Average equity | $48,686,750 | 1,405 |
| Average total loans | $108,802,250 | 3,443 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7401% | 6,980 |
| Cost of funding earning assets | 0.9354% | 4,420 |
| Net interest margin | 2.8046% | 6,920 |
| Noninterest income to average assets | 0.0989% | 6,832 |
| Noninterest expense to average assets | 1.3302% | 7,385 |
| Loan and lease loss provision to assets | 0.3105% | 2,931 |
| Net operating income to assets | 0.8505% | 2,855 |
| Return on assets (ROA) | 0.8511% | 2,947 |
| Pretax return on assets | 1.1737% | 2,581 |
| Return on Equity (ROE) | 4.3318% | 4,774 |
| Retained earnings to average equity (ytd only) | -1.8565% | 6,224 |
| Net charge-offs to loans | 0.5713% | 2,395 |
| Credit loss provision to net charge-offs | 123.5484% | 2,465 |
| Earnings coverage of net charge-offs (x) | 5.9032% | 2,511 |
| Efficiency ratio | 47.2774% | 7,099 |
| Assets per employee ($millions) | 7.3239% | 625 |
| Cash dividends to net income (ytd only)* | 142.8571% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9614% | 6,479 |
| Loan loss allowance to noncurrent loans | 22.4759% | 6,631 |
| Noncurrent assets plus other real estate owned to assets | 2.7448% | 2,437 |
| Noncurrent loans to loans | 4.2773% | 1,583 |
| Net loans and leases to total assets | 44.3913% | 6,406 |
| Net loans and leases to deposits | 55.7857% | 6,153 |
| Net loans and leases to core deposits | 59.5675% | 6,130 |
| Total domestic deposits to total assets | 79.5746% | 5,935 |
| Equity capital to assets | 19.5484% | 288 |
| Core capital (leverage) ratio | 19.3113% | 255 |
| Tier 1 risk-based capital ratio | 43.4860% | 200 |
| Total risk-based capital ratio | 44.4614% | 196 |
| Memoranda: | ||
| Average total assets | $246,730,670 | 2,585 |
| Average earning assets | $238,819,330 | 2,436 |
| Average equity | $48,478,670 | 1,397 |
| Average total loans | $108,515,000 | 3,492 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7321% | 7,031 |
| Cost of funding earning assets | 0.9599% | 4,497 |
| Net interest margin | 2.7722% | 6,946 |
| Noninterest income to average assets | 0.0961% | 6,935 |
| Noninterest expense to average assets | 1.3030% | 7,458 |
| Loan and lease loss provision to assets | 0.1661% | 3,965 |
| Net operating income to assets | 0.9516% | 2,346 |
| Return on assets (ROA) | 0.9528% | 2,409 |
| Pretax return on assets | 1.3193% | 1,980 |
| Return on Equity (ROE) | 4.8368% | 4,486 |
| Retained earnings to average equity (ytd only) | -7.5653% | 6,717 |
| Net charge-offs to loans | 0.3814% | 2,545 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 8.9314% | 1,773 |
| Efficiency ratio | 46.7563% | 7,168 |
| Assets per employee ($millions) | 7.3506% | 623 |
| Cash dividends to net income (ytd only)* | 256.4103% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9317% | 6,615 |
| Loan loss allowance to noncurrent loans | 21.0837% | 6,731 |
| Noncurrent assets plus other real estate owned to assets | 2.6652% | 2,573 |
| Noncurrent loans to loans | 4.4188% | 1,594 |
| Net loans and leases to total assets | 42.5478% | 6,574 |
| Net loans and leases to deposits | 53.0365% | 6,387 |
| Net loans and leases to core deposits | 56.6950% | 6,357 |
| Total domestic deposits to total assets | 80.2238% | 5,882 |
| Equity capital to assets | 19.1645% | 297 |
| Core capital (leverage) ratio | 19.2431% | 260 |
| Tier 1 risk-based capital ratio | 44.6609% | 179 |
| Total risk-based capital ratio | 45.6036% | 181 |
| Memoranda: | ||
| Average total assets | $245,589,500 | 2,606 |
| Average earning assets | $238,366,500 | 2,461 |
| Average equity | $48,379,000 | 1,382 |
| Average total loans | $106,966,000 | 3,560 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0292% | 7,111 |
| Cost of funding earning assets | 1.2168% | 4,441 |
| Net interest margin | 2.8124% | 7,014 |
| Noninterest income to average assets | 0.1261% | 6,769 |
| Noninterest expense to average assets | 1.2682% | 7,527 |
| Loan and lease loss provision to assets | 0.8191% | 1,999 |
| Net operating income to assets | 0.6362% | 3,503 |
| Return on assets (ROA) | 0.6402% | 3,640 |
| Pretax return on assets | 0.7884% | 3,674 |
| Return on Equity (ROE) | 3.2124% | 4,862 |
| Retained earnings to average equity (ytd only) | -0.7312% | 5,753 |
| Net charge-offs to loans | 1.6765% | 1,294 |
| Credit loss provision to net charge-offs | 110.3696% | 3,988 |
| Earnings coverage of net charge-offs (x) | 2.1594% | 4,098 |
| Efficiency ratio | 44.1751% | 7,411 |
| Assets per employee ($millions) | 7.0958% | 715 |
| Cash dividends to net income (ytd only)* | 122.7621% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9381% | 6,615 |
| Loan loss allowance to noncurrent loans | 36.9140% | 5,847 |
| Noncurrent assets plus other real estate owned to assets | 1.9179% | 3,452 |
| Noncurrent loans to loans | 2.5414% | 2,985 |
| Net loans and leases to total assets | 43.7689% | 6,732 |
| Net loans and leases to deposits | 55.4423% | 6,488 |
| Net loans and leases to core deposits | 59.4729% | 6,435 |
| Total domestic deposits to total assets | 78.9449% | 6,094 |
| Equity capital to assets | 20.2530% | 249 |
| Core capital (leverage) ratio | 19.9852% | 237 |
| Tier 1 risk-based capital ratio | 42.9175% | 194 |
| Total risk-based capital ratio | 43.8062% | 194 |
| Memoranda: | ||
| Average total assets | $244,288,800 | 2,601 |
| Average earning assets | $238,410,600 | 2,444 |
| Average equity | $48,685,800 | 1,371 |
| Average total loans | $108,139,200 | 3,589 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0547% | 7,243 |
| Cost of funding earning assets | 1.2762% | 4,396 |
| Net interest margin | 2.7785% | 7,154 |
| Noninterest income to average assets | 0.1132% | 6,980 |
| Noninterest expense to average assets | 1.2291% | 7,657 |
| Loan and lease loss provision to assets | 0.7808% | 1,951 |
| Net operating income to assets | 0.6581% | 3,608 |
| Return on assets (ROA) | 0.6638% | 3,744 |
| Pretax return on assets | 0.8254% | 3,817 |
| Return on Equity (ROE) | 3.3441% | 5,081 |
| Retained earnings to average equity (ytd only) | -1.9187% | 6,182 |
| Net charge-offs to loans | 1.7630% | 1,103 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 2.0481% | 4,189 |
| Efficiency ratio | 43.4590% | 7,481 |
| Assets per employee ($millions) | 7.3985% | 651 |
| Cash dividends to net income (ytd only)* | 157.3769% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7423% | 7,124 |
| Loan loss allowance to noncurrent loans | 20.7090% | 6,875 |
| Noncurrent assets plus other real estate owned to assets | 2.0545% | 3,402 |
| Noncurrent loans to loans | 3.5843% | 2,189 |
| Net loans and leases to total assets | 44.4737% | 6,806 |
| Net loans and leases to deposits | 56.2070% | 6,606 |
| Net loans and leases to core deposits | 59.8890% | 6,611 |
| Total domestic deposits to total assets | 79.1248% | 5,993 |
| Equity capital to assets | 20.0188% | 286 |
| Core capital (leverage) ratio | 19.6280% | 259 |
| Tier 1 risk-based capital ratio | 42.3453% | 211 |
| Total risk-based capital ratio | 43.0624% | 215 |
| Memoranda: | ||
| Average total assets | $245,046,500 | 2,633 |
| Average earning assets | $239,450,500 | 2,471 |
| Average equity | $48,641,750 | 1,383 |
| Average total loans | $108,525,000 | 3,630 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1132% | 7,270 |
| Cost of funding earning assets | 1.3396% | 4,257 |
| Net interest margin | 2.7736% | 7,184 |
| Noninterest income to average assets | 0.1158% | 7,027 |
| Noninterest expense to average assets | 1.1967% | 7,734 |
| Loan and lease loss provision to assets | 0.9008% | 1,622 |
| Net operating income to assets | 0.6003% | 3,877 |
| Return on assets (ROA) | 0.6057% | 3,992 |
| Pretax return on assets | 0.7337% | 4,132 |
| Return on Equity (ROE) | 3.0599% | 5,185 |
| Retained earnings to average equity (ytd only) | -4.8472% | 6,540 |
| Net charge-offs to loans | 2.0419% | 890 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 1.8072% | 4,163 |
| Efficiency ratio | 42.3665% | 7,570 |
| Assets per employee ($millions) | 7.7154% | 566 |
| Cash dividends to net income (ytd only)* | 258.4118% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7500% | 7,147 |
| Loan loss allowance to noncurrent loans | 20.5258% | 6,915 |
| Noncurrent assets plus other real estate owned to assets | 2.0312% | 3,461 |
| Noncurrent loans to loans | 3.6539% | 2,155 |
| Net loans and leases to total assets | 43.5231% | 6,961 |
| Net loans and leases to deposits | 54.4133% | 6,835 |
| Net loans and leases to core deposits | 58.1752% | 6,819 |
| Total domestic deposits to total assets | 79.9861% | 5,731 |
| Equity capital to assets | 19.4970% | 312 |
| Core capital (leverage) ratio | 19.3220% | 274 |
| Tier 1 risk-based capital ratio | 41.5508% | 220 |
| Total risk-based capital ratio | 42.2615% | 225 |
| Memoranda: | ||
| Average total assets | $245,345,000 | 2,645 |
| Average earning assets | $239,620,000 | 2,485 |
| Average equity | $48,563,670 | 1,381 |
| Average total loans | $108,235,000 | 3,675 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1453% | 7,332 |
| Cost of funding earning assets | 1.3834% | 4,281 |
| Net interest margin | 2.7618% | 7,235 |
| Noninterest income to average assets | 0.0932% | 7,242 |
| Noninterest expense to average assets | 1.1841% | 7,833 |
| Loan and lease loss provision to assets | 0.5315% | 2,377 |
| Net operating income to assets | 0.8257% | 2,858 |
| Return on assets (ROA) | 0.8358% | 2,909 |
| Pretax return on assets | 1.0909% | 2,768 |
| Return on Equity (ROE) | 4.1905% | 4,808 |
| Retained earnings to average equity (ytd only) | -11.5546% | 7,045 |
| Net charge-offs to loans | 1.2013% | 1,416 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 3.0277% | 3,042 |
| Efficiency ratio | 42.3888% | 7,666 |
| Assets per employee ($millions) | 7.7303% | 581 |
| Cash dividends to net income (ytd only)* | 375.7339% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7452% | 7,258 |
| Loan loss allowance to noncurrent loans | 21.6765% | 6,926 |
| Noncurrent assets plus other real estate owned to assets | 1.9210% | 3,605 |
| Noncurrent loans to loans | 3.4379% | 2,317 |
| Net loans and leases to total assets | 43.7203% | 7,014 |
| Net loans and leases to deposits | 54.6703% | 6,875 |
| Net loans and leases to core deposits | 58.2177% | 6,865 |
| Total domestic deposits to total assets | 79.9709% | 5,795 |
| Equity capital to assets | 19.4045% | 315 |
| Core capital (leverage) ratio | 19.4780% | 282 |
| Tier 1 risk-based capital ratio | 40.5954% | 243 |
| Total risk-based capital ratio | 41.2933% | 247 |
| Memoranda: | ||
| Average total assets | $244,570,500 | 2,706 |
| Average earning assets | $239,116,000 | 2,541 |
| Average equity | $48,777,000 | 1,377 |
| Average total loans | $108,218,500 | 3,728 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2590% | 7,575 |
| Cost of funding earning assets | 1.6268% | 4,905 |
| Net interest margin | 2.6322% | 7,301 |
| Noninterest income to average assets | 0.1399% | 7,044 |
| Noninterest expense to average assets | 1.2543% | 7,894 |
| Loan and lease loss provision to assets | 0.3675% | 4,591 |
| Net operating income to assets | 0.8486% | 2,352 |
| Return on assets (ROA) | 0.8609% | 2,377 |
| Pretax return on assets | 1.1177% | 2,193 |
| Return on Equity (ROE) | 4.2833% | 3,971 |
| Retained earnings to average equity (ytd only) | -1.2264% | 5,321 |
| Net charge-offs to loans | 0.8326% | 2,747 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 3.9978% | 3,108 |
| Efficiency ratio | 46.0542% | 7,711 |
| Assets per employee ($millions) | 7.5553% | 622 |
| Cash dividends to net income (ytd only)* | 128.6327% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7555% | 7,247 |
| Loan loss allowance to noncurrent loans | 32.1967% | 6,305 |
| Noncurrent assets plus other real estate owned to assets | 1.3430% | 4,414 |
| Noncurrent loans to loans | 2.3466% | 3,237 |
| Net loans and leases to total assets | 44.1170% | 7,112 |
| Net loans and leases to deposits | 55.9348% | 6,922 |
| Net loans and leases to core deposits | 65.7332% | 6,999 |
| Total domestic deposits to total assets | 78.8722% | 6,014 |
| Equity capital to assets | 20.4958% | 273 |
| Core capital (leverage) ratio | 20.2772% | 264 |
| Tier 1 risk-based capital ratio | 42.7964% | 210 |
| Total risk-based capital ratio | 43.5108% | 213 |
| Memoranda: | ||
| Average total assets | $243,803,800 | 2,676 |
| Average earning assets | $239,307,200 | 2,507 |
| Average equity | $49,004,000 | 1,371 |
| Average total loans | $107,613,800 | 3,747 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2633% | 7,688 |
| Cost of funding earning assets | 1.6680% | 5,072 |
| Net interest margin | 2.5953% | 7,360 |
| Noninterest income to average assets | 0.1419% | 7,164 |
| Noninterest expense to average assets | 1.2508% | 7,979 |
| Loan and lease loss provision to assets | 0.0546% | 6,829 |
| Net operating income to assets | 1.0272% | 1,972 |
| Return on assets (ROA) | 1.0429% | 1,984 |
| Pretax return on assets | 1.4085% | 1,672 |
| Return on Equity (ROE) | 5.2141% | 3,871 |
| Retained earnings to average equity (ytd only) | -2.1527% | 5,753 |
| Net charge-offs to loans | -0.0111% | 7,697 |
| Credit loss provision to net charge-offs | -1,111.1111% | 7,331 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4532% | 7,751 |
| Assets per employee ($millions) | 7.1171% | 744 |
| Cash dividends to net income (ytd only)* | 141.2871% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8408% | 6,988 |
| Loan loss allowance to noncurrent loans | 22.9333% | 6,914 |
| Noncurrent assets plus other real estate owned to assets | 1.9489% | 3,420 |
| Noncurrent loans to loans | 3.6663% | 2,037 |
| Net loans and leases to total assets | 44.8866% | 7,182 |
| Net loans and leases to deposits | 56.8773% | 7,033 |
| Net loans and leases to core deposits | 66.9048% | 7,120 |
| Total domestic deposits to total assets | 78.9184% | 5,831 |
| Equity capital to assets | 20.3804% | 314 |
| Core capital (leverage) ratio | 20.1255% | 305 |
| Tier 1 risk-based capital ratio | 41.6845% | 255 |
| Total risk-based capital ratio | 42.4768% | 257 |
| Memoranda: | ||
| Average total assets | $244,312,000 | 2,683 |
| Average earning assets | $240,120,000 | 2,515 |
| Average equity | $48,866,750 | 1,398 |
| Average total loans | $107,648,750 | 3,782 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2391% | 7,805 |
| Cost of funding earning assets | 1.7048% | 5,246 |
| Net interest margin | 2.5343% | 7,440 |
| Noninterest income to average assets | 0.1501% | 7,192 |
| Noninterest expense to average assets | 1.2412% | 8,073 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0329% | 1,998 |
| Return on assets (ROA) | 1.0510% | 2,014 |
| Pretax return on assets | 1.4240% | 1,657 |
| Return on Equity (ROE) | 5.2877% | 3,960 |
| Retained earnings to average equity (ytd only) | -5.7968% | 6,418 |
| Net charge-offs to loans | -0.1346% | 7,992 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0025% | 7,805 |
| Assets per employee ($millions) | 7.5126% | 610 |
| Cash dividends to net income (ytd only)* | 209.6273% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8352% | 7,039 |
| Loan loss allowance to noncurrent loans | 21.5190% | 7,041 |
| Noncurrent assets plus other real estate owned to assets | 1.8972% | 3,341 |
| Noncurrent loans to loans | 3.8812% | 1,751 |
| Net loans and leases to total assets | 43.6596% | 7,352 |
| Net loans and leases to deposits | 55.2326% | 7,204 |
| Net loans and leases to core deposits | 64.6550% | 7,265 |
| Total domestic deposits to total assets | 79.0469% | 5,800 |
| Equity capital to assets | 20.1690% | 370 |
| Core capital (leverage) ratio | 19.6203% | 380 |
| Tier 1 risk-based capital ratio | 41.5002% | 278 |
| Total risk-based capital ratio | 42.2671% | 276 |
| Memoranda: | ||
| Average total assets | $245,088,330 | 2,698 |
| Average earning assets | $240,855,670 | 2,513 |
| Average equity | $48,716,670 | 1,414 |
| Average total loans | $107,018,670 | 3,831 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2962% | 7,851 |
| Cost of funding earning assets | 1.7705% | 5,257 |
| Net interest margin | 2.5257% | 7,469 |
| Noninterest income to average assets | 0.1778% | 7,030 |
| Noninterest expense to average assets | 1.2125% | 8,114 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0634% | 2,095 |
| Return on assets (ROA) | 1.0993% | 2,094 |
| Pretax return on assets | 1.4954% | 1,680 |
| Return on Equity (ROE) | 5.5702% | 4,223 |
| Retained earnings to average equity (ytd only) | -16.5467% | 7,516 |
| Net charge-offs to loans | -0.2268% | 8,030 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5927% | 7,862 |
| Assets per employee ($millions) | 7.8375% | 536 |
| Cash dividends to net income (ytd only)* | 397.0588% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8181% | 7,087 |
| Loan loss allowance to noncurrent loans | 17.3214% | 7,298 |
| Noncurrent assets plus other real estate owned to assets | 2.1782% | 2,627 |
| Noncurrent loans to loans | 4.7231% | 1,180 |
| Net loans and leases to total assets | 42.1992% | 7,455 |
| Net loans and leases to deposits | 52.7164% | 7,359 |
| Net loans and leases to core deposits | 60.2755% | 7,440 |
| Total domestic deposits to total assets | 80.0495% | 5,352 |
| Equity capital to assets | 19.1032% | 480 |
| Core capital (leverage) ratio | 18.8924% | 459 |
| Tier 1 risk-based capital ratio | 40.4315% | 319 |
| Total risk-based capital ratio | 41.1789% | 322 |
| Memoranda: | ||
| Average total assets | $247,431,000 | 2,680 |
| Average earning assets | $243,101,000 | 2,511 |
| Average equity | $48,831,500 | 1,414 |
| Average total loans | $107,606,500 | 3,851 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2684% | 7,634 |
| Cost of funding earning assets | 2.2967% | 5,166 |
| Net interest margin | 2.9717% | 6,980 |
| Noninterest income to average assets | 0.1239% | 7,497 |
| Noninterest expense to average assets | 1.1180% | 8,185 |
| Loan and lease loss provision to assets | 0.3561% | 3,549 |
| Net operating income to assets | 1.1115% | 2,099 |
| Return on assets (ROA) | 1.1115% | 2,017 |
| Pretax return on assets | 1.5599% | 1,514 |
| Return on Equity (ROE) | 5.5148% | 4,151 |
| Retained earnings to average equity (ytd only) | -1.3253% | 5,689 |
| Net charge-offs to loans | 0.8081% | 1,543 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 5.3802% | 3,662 |
| Efficiency ratio | 36.8492% | 8,178 |
| Assets per employee ($millions) | 7.6269% | 538 |
| Cash dividends to net income (ytd only)* | 124.0310% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7484% | 7,292 |
| Loan loss allowance to noncurrent loans | 18.7746% | 7,284 |
| Noncurrent assets plus other real estate owned to assets | 1.9893% | 2,477 |
| Noncurrent loans to loans | 3.9860% | 1,235 |
| Net loans and leases to total assets | 44.1250% | 7,459 |
| Net loans and leases to deposits | 55.9584% | 7,323 |
| Net loans and leases to core deposits | 64.3079% | 7,432 |
| Total domestic deposits to total assets | 78.8532% | 5,433 |
| Equity capital to assets | 20.3851% | 442 |
| Core capital (leverage) ratio | 20.4066% | 414 |
| Tier 1 risk-based capital ratio | 42.8513% | 289 |
| Total risk-based capital ratio | 43.5579% | 290 |
| Memoranda: | ||
| Average total assets | $243,734,000 | 2,618 |
| Average earning assets | $238,685,800 | 2,466 |
| Average equity | $49,122,400 | 1,387 |
| Average total loans | $107,407,800 | 3,756 |