Home > Bank of Santa Clarita > Performance and Condition Ratios
Bank of Santa Clarita, Performance and Condition Ratios
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2829% | 3,435 |
| Cost of funding earning assets | 0.3550% | 2,064 |
| Net interest margin | 2.9280% | 3,485 |
| Noninterest income to average assets | 0.1922% | 4,242 |
| Noninterest expense to average assets | 2.5743% | 1,916 |
| Loan and lease loss provision to assets | 0.0042% | 2,890 |
| Net operating income to assets | 0.2405% | 4,588 |
| Return on assets (ROA) | 0.2405% | 4,610 |
| Pretax return on assets | 0.3218% | 4,572 |
| Return on Equity (ROE) | 2.3144% | 4,550 |
| Retained earnings to average equity (ytd only) | 2.3144% | 4,109 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7589% | 357 |
| Assets per employee ($millions) | 20.1877% | 99 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9671% | 3,953 |
| Loan loss allowance to noncurrent loans | 372.1195% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.1658% | 3,014 |
| Noncurrent loans to loans | 0.2599% | 2,890 |
| Net loans and leases to total assets | 63.1867% | 1,868 |
| Net loans and leases to deposits | 78.7585% | 1,407 |
| Net loans and leases to core deposits | 86.6850% | 1,240 |
| Total domestic deposits to total assets | 80.2284% | 4,196 |
| Equity capital to assets | 10.4363% | 2,504 |
| Core capital (leverage) ratio | 11.1751% | 1,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7882% | 1,689 |
| Memoranda: | ||
| Average total assets | $408,546,750 | 1,979 |
| Average earning assets | $377,865,500 | 1,998 |
| Average equity | $42,457,500 | 2,022 |
| Average total loans | $285,211,750 | 1,798 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3342% | 3,347 |
| Cost of funding earning assets | 0.3821% | 2,036 |
| Net interest margin | 2.9521% | 3,444 |
| Noninterest income to average assets | 0.1824% | 4,291 |
| Noninterest expense to average assets | 1.6707% | 4,407 |
| Loan and lease loss provision to assets | -0.0233% | 4,443 |
| Net operating income to assets | 0.8954% | 3,232 |
| Return on assets (ROA) | 0.8954% | 3,315 |
| Pretax return on assets | 1.2662% | 2,723 |
| Return on Equity (ROE) | 8.6284% | 3,219 |
| Retained earnings to average equity (ytd only) | 8.6284% | 1,842 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3422% | 3,360 |
| Assets per employee ($millions) | 18.9131% | 117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9051% | 4,143 |
| Loan loss allowance to noncurrent loans | 351.0989% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.1750% | 3,096 |
| Noncurrent loans to loans | 0.2578% | 3,018 |
| Net loans and leases to total assets | 67.2577% | 1,548 |
| Net loans and leases to deposits | 84.0000% | 1,069 |
| Net loans and leases to core deposits | 102.3670% | 584 |
| Total domestic deposits to total assets | 80.0687% | 4,226 |
| Equity capital to assets | 10.3000% | 2,575 |
| Core capital (leverage) ratio | 10.0150% | 2,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9783% | 1,639 |
| Memoranda: | ||
| Average total assets | $403,415,000 | 1,990 |
| Average earning assets | $373,222,000 | 2,005 |
| Average equity | $41,862,000 | 2,040 |
| Average total loans | $290,118,667 | 1,781 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3254% | 3,393 |
| Cost of funding earning assets | 0.4022% | 2,077 |
| Net interest margin | 2.9232% | 3,458 |
| Noninterest income to average assets | 0.2156% | 4,103 |
| Noninterest expense to average assets | 1.4476% | 4,697 |
| Loan and lease loss provision to assets | -0.0473% | 4,646 |
| Net operating income to assets | 1.0718% | 2,568 |
| Return on assets (ROA) | 1.0718% | 2,648 |
| Pretax return on assets | 1.5171% | 1,950 |
| Return on Equity (ROE) | 10.2890% | 2,599 |
| Retained earnings to average equity (ytd only) | 10.2890% | 1,576 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6202% | 4,217 |
| Assets per employee ($millions) | 16.8470% | 145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8490% | 4,299 |
| Loan loss allowance to noncurrent loans | 340.8000% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.1781% | 3,280 |
| Noncurrent loans to loans | 0.2491% | 3,205 |
| Net loans and leases to total assets | 70.8708% | 1,173 |
| Net loans and leases to deposits | 90.2363% | 687 |
| Net loans and leases to core deposits | 113.8301% | 326 |
| Total domestic deposits to total assets | 78.5391% | 4,377 |
| Equity capital to assets | 9.9614% | 2,734 |
| Core capital (leverage) ratio | 10.4999% | 2,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1410% | 1,527 |
| Memoranda: | ||
| Average total assets | $397,078,000 | 2,003 |
| Average earning assets | $366,996,000 | 2,015 |
| Average equity | $41,364,500 | 2,044 |
| Average total loans | $293,974,000 | 1,774 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5493% | 3,922 |
| Cost of funding earning assets | 0.5859% | 2,407 |
| Net interest margin | 2.9634% | 3,976 |
| Noninterest income to average assets | 0.2053% | 4,243 |
| Noninterest expense to average assets | 1.5872% | 4,717 |
| Loan and lease loss provision to assets | 0.0728% | 3,477 |
| Net operating income to assets | 0.9237% | 2,594 |
| Return on assets (ROA) | 0.9237% | 2,735 |
| Pretax return on assets | 1.2832% | 2,037 |
| Return on Equity (ROE) | 8.3206% | 2,680 |
| Retained earnings to average equity (ytd only) | 8.3206% | 966 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9290% | 4,221 |
| Assets per employee ($millions) | 14.9192% | 182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9073% | 4,171 |
| Loan loss allowance to noncurrent loans | 337.1762% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.2070% | 3,255 |
| Noncurrent loans to loans | 0.2691% | 3,231 |
| Net loans and leases to total assets | 76.2234% | 760 |
| Net loans and leases to deposits | 100.4704% | 356 |
| Net loans and leases to core deposits | 126.1545% | 239 |
| Total domestic deposits to total assets | 75.8665% | 4,516 |
| Equity capital to assets | 10.9320% | 2,316 |
| Core capital (leverage) ratio | 10.7763% | 1,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5991% | 1,652 |
| Memoranda: | ||
| Average total assets | $350,230,600 | 2,051 |
| Average earning assets | $323,584,600 | 2,065 |
| Average equity | $38,879,600 | 2,063 |
| Average total loans | $266,336,600 | 1,845 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5375% | 4,143 |
| Cost of funding earning assets | 0.6289% | 2,436 |
| Net interest margin | 2.9086% | 4,167 |
| Noninterest income to average assets | 0.1881% | 4,344 |
| Noninterest expense to average assets | 1.5487% | 4,768 |
| Loan and lease loss provision to assets | 0.0464% | 3,776 |
| Net operating income to assets | 0.9109% | 2,650 |
| Return on assets (ROA) | 0.9109% | 2,784 |
| Pretax return on assets | 1.2828% | 2,121 |
| Return on Equity (ROE) | 8.1721% | 2,737 |
| Retained earnings to average equity (ytd only) | 8.1721% | 1,249 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8120% | 4,168 |
| Assets per employee ($millions) | 15.0760% | 160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8603% | 4,197 |
| Loan loss allowance to noncurrent loans | 313.5959% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.2008% | 3,434 |
| Noncurrent loans to loans | 0.2743% | 3,310 |
| Net loans and leases to total assets | 72.5552% | 1,579 |
| Net loans and leases to deposits | 96.8797% | 698 |
| Net loans and leases to core deposits | 120.1608% | 409 |
| Total domestic deposits to total assets | 74.8921% | 4,510 |
| Equity capital to assets | 10.1738% | 3,086 |
| Core capital (leverage) ratio | 10.6388% | 2,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9457% | 1,259 |
| Memoranda: | ||
| Average total assets | $344,543,250 | 2,057 |
| Average earning assets | $318,635,250 | 2,060 |
| Average equity | $38,406,000 | 2,077 |
| Average total loans | $261,195,500 | 1,850 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7148% | 4,055 |
| Cost of funding earning assets | 0.7035% | 2,362 |
| Net interest margin | 3.0113% | 4,100 |
| Noninterest income to average assets | 0.1983% | 4,281 |
| Noninterest expense to average assets | 1.6238% | 4,759 |
| Loan and lease loss provision to assets | 0.0730% | 3,386 |
| Net operating income to assets | 0.9065% | 2,663 |
| Return on assets (ROA) | 0.9065% | 2,787 |
| Pretax return on assets | 1.2752% | 2,109 |
| Return on Equity (ROE) | 7.8597% | 2,807 |
| Retained earnings to average equity (ytd only) | 7.8597% | 1,346 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6366% | 4,104 |
| Assets per employee ($millions) | 14.4440% | 186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8667% | 4,133 |
| Loan loss allowance to noncurrent loans | 300.9756% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.2183% | 3,458 |
| Noncurrent loans to loans | 0.2880% | 3,345 |
| Net loans and leases to total assets | 75.1702% | 1,252 |
| Net loans and leases to deposits | 102.1527% | 443 |
| Net loans and leases to core deposits | 129.8370% | 260 |
| Total domestic deposits to total assets | 73.5861% | 4,620 |
| Equity capital to assets | 10.3836% | 2,852 |
| Core capital (leverage) ratio | 11.1962% | 1,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4940% | 1,368 |
| Memoranda: | ||
| Average total assets | $328,732,333 | 2,095 |
| Average earning assets | $302,788,333 | 2,117 |
| Average equity | $37,915,000 | 2,084 |
| Average total loans | $252,638,333 | 1,885 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9810% | 3,847 |
| Cost of funding earning assets | 0.8183% | 2,289 |
| Net interest margin | 3.1627% | 3,948 |
| Noninterest income to average assets | 0.2463% | 4,080 |
| Noninterest expense to average assets | 1.7123% | 4,765 |
| Loan and lease loss provision to assets | 0.1572% | 1,832 |
| Net operating income to assets | 0.8974% | 2,534 |
| Return on assets (ROA) | 0.8974% | 2,630 |
| Pretax return on assets | 1.2682% | 1,971 |
| Return on Equity (ROE) | 7.3311% | 2,808 |
| Retained earnings to average equity (ytd only) | 7.3311% | 1,433 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5720% | 4,351 |
| Assets per employee ($millions) | 11.3433% | 278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0376% | 3,502 |
| Loan loss allowance to noncurrent loans | 300.9756% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.2677% | 3,387 |
| Noncurrent loans to loans | 0.3447% | 3,256 |
| Net loans and leases to total assets | 76.8599% | 1,157 |
| Net loans and leases to deposits | 106.6679% | 270 |
| Net loans and leases to core deposits | 136.3867% | 199 |
| Total domestic deposits to total assets | 72.0553% | 4,767 |
| Equity capital to assets | 12.3535% | 1,830 |
| Core capital (leverage) ratio | 12.3461% | 1,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8722% | 1,638 |
| Memoranda: | ||
| Average total assets | $305,326,000 | 2,174 |
| Average earning assets | $279,127,000 | 2,201 |
| Average equity | $37,375,000 | 2,097 |
| Average total loans | $236,574,500 | 1,951 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2094% | 3,792 |
| Cost of funding earning assets | 0.9724% | 1,846 |
| Net interest margin | 3.2370% | 4,115 |
| Noninterest income to average assets | 0.2375% | 4,254 |
| Noninterest expense to average assets | 1.7671% | 4,802 |
| Loan and lease loss provision to assets | -0.0128% | 4,942 |
| Net operating income to assets | 1.0297% | 2,732 |
| Return on assets (ROA) | 1.0297% | 2,826 |
| Pretax return on assets | 1.4442% | 2,001 |
| Return on Equity (ROE) | 9.1857% | 2,669 |
| Retained earnings to average equity (ytd only) | 9.1857% | 666 |
| Net charge-offs to loans | -0.0004% | 4,142 |
| Credit loss provision to net charge-offs | 4,000.0000% | 105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2487% | 4,296 |
| Assets per employee ($millions) | 12.1753% | 212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9979% | 3,531 |
| Loan loss allowance to noncurrent loans | 278.5291% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.2770% | 3,321 |
| Noncurrent loans to loans | 0.3583% | 3,164 |
| Net loans and leases to total assets | 76.5269% | 1,324 |
| Net loans and leases to deposits | 100.3697% | 582 |
| Net loans and leases to core deposits | 126.1413% | 341 |
| Total domestic deposits to total assets | 76.2451% | 4,574 |
| Equity capital to assets | 12.1278% | 2,059 |
| Core capital (leverage) ratio | 12.2051% | 1,650 |
| Tier 1 risk-based capital ratio | 14.6196% | 2,949 |
| Total risk-based capital ratio | 15.5611% | 3,029 |
| Memoranda: | ||
| Average total assets | $312,426,800 | 2,090 |
| Average earning assets | $285,786,000 | 2,112 |
| Average equity | $35,021,800 | 2,137 |
| Average total loans | $234,926,000 | 1,925 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2377% | 3,837 |
| Cost of funding earning assets | 0.9972% | 1,775 |
| Net interest margin | 3.2405% | 4,211 |
| Noninterest income to average assets | 0.2408% | 4,297 |
| Noninterest expense to average assets | 1.7338% | 4,888 |
| Loan and lease loss provision to assets | -0.0403% | 5,114 |
| Net operating income to assets | 1.0851% | 2,632 |
| Return on assets (ROA) | 1.0851% | 2,722 |
| Pretax return on assets | 1.5138% | 1,918 |
| Return on Equity (ROE) | 9.8757% | 2,485 |
| Retained earnings to average equity (ytd only) | 9.8757% | 784 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0587% | 4,387 |
| Assets per employee ($millions) | 12.6653% | 182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9986% | 3,582 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 71.7970% | 2,203 |
| Net loans and leases to deposits | 93.0762% | 1,313 |
| Net loans and leases to core deposits | 126.9719% | 348 |
| Total domestic deposits to total assets | 77.1379% | 4,500 |
| Equity capital to assets | 11.4300% | 2,710 |
| Core capital (leverage) ratio | 11.6511% | 2,110 |
| Tier 1 risk-based capital ratio | 14.5439% | 3,053 |
| Total risk-based capital ratio | 15.4777% | 3,112 |
| Memoranda: | ||
| Average total assets | $314,437,750 | 2,085 |
| Average earning assets | $287,850,750 | 2,111 |
| Average equity | $34,548,500 | 2,175 |
| Average total loans | $234,836,750 | 1,942 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2551% | 3,773 |
| Cost of funding earning assets | 1.0115% | 1,639 |
| Net interest margin | 3.2436% | 4,257 |
| Noninterest income to average assets | 0.2512% | 4,251 |
| Noninterest expense to average assets | 1.7150% | 4,964 |
| Loan and lease loss provision to assets | 0.0191% | 3,407 |
| Net operating income to assets | 1.0494% | 2,727 |
| Return on assets (ROA) | 1.0494% | 2,796 |
| Pretax return on assets | 1.4918% | 1,883 |
| Return on Equity (ROE) | 9.6821% | 2,543 |
| Retained earnings to average equity (ytd only) | 9.6821% | 851 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1621% | 4,545 |
| Assets per employee ($millions) | 12.5128% | 179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0279% | 3,451 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 74.4236% | 1,815 |
| Net loans and leases to deposits | 102.7446% | 490 |
| Net loans and leases to core deposits | 139.2649% | 202 |
| Total domestic deposits to total assets | 72.4356% | 4,947 |
| Equity capital to assets | 11.1815% | 2,880 |
| Core capital (leverage) ratio | 11.2284% | 2,394 |
| Tier 1 risk-based capital ratio | 13.9829% | 3,327 |
| Total risk-based capital ratio | 14.9580% | 3,369 |
| Memoranda: | ||
| Average total assets | $313,706,000 | 2,096 |
| Average earning assets | $287,703,000 | 2,110 |
| Average equity | $34,001,000 | 2,195 |
| Average total loans | $236,573,670 | 1,930 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1916% | 3,898 |
| Cost of funding earning assets | 0.9490% | 1,799 |
| Net interest margin | 3.2426% | 4,297 |
| Noninterest income to average assets | 0.2114% | 4,478 |
| Noninterest expense to average assets | 1.6756% | 5,039 |
| Loan and lease loss provision to assets | 0.1401% | 1,225 |
| Net operating income to assets | 0.9651% | 2,992 |
| Return on assets (ROA) | 0.9651% | 3,031 |
| Pretax return on assets | 1.3713% | 2,185 |
| Return on Equity (ROE) | 9.0474% | 2,788 |
| Retained earnings to average equity (ytd only) | 9.0474% | 1,306 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5769% | 4,654 |
| Assets per employee ($millions) | 12.8356% | 169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0291% | 3,528 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 74.8393% | 1,668 |
| Net loans and leases to deposits | 108.3284% | 263 |
| Net loans and leases to core deposits | 145.3188% | 146 |
| Total domestic deposits to total assets | 69.0856% | 5,137 |
| Equity capital to assets | 10.5775% | 3,276 |
| Core capital (leverage) ratio | 11.0267% | 2,552 |
| Tier 1 risk-based capital ratio | 13.2117% | 3,767 |
| Total risk-based capital ratio | 14.1891% | 3,803 |
| Memoranda: | ||
| Average total assets | $314,149,000 | 2,101 |
| Average earning assets | $288,289,000 | 2,123 |
| Average equity | $33,512,500 | 2,217 |
| Average total loans | $237,245,500 | 1,940 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0976% | 3,748 |
| Cost of funding earning assets | 0.7788% | 1,642 |
| Net interest margin | 3.3188% | 4,206 |
| Noninterest income to average assets | 0.1945% | 4,737 |
| Noninterest expense to average assets | 1.8113% | 4,993 |
| Loan and lease loss provision to assets | -0.0161% | 5,123 |
| Net operating income to assets | 1.0251% | 2,906 |
| Return on assets (ROA) | 1.0251% | 2,893 |
| Pretax return on assets | 1.4517% | 1,947 |
| Return on Equity (ROE) | 10.2515% | 2,421 |
| Retained earnings to average equity (ytd only) | 10.2515% | 584 |
| Net charge-offs to loans | 0.0013% | 3,718 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1,486.3333% | 76 |
| Efficiency ratio | 55.7858% | 4,435 |
| Assets per employee ($millions) | 12.2964% | 185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0296% | 3,501 |
| Loan loss allowance to noncurrent loans | 273.4250% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.2840% | 3,447 |
| Noncurrent loans to loans | 0.3765% | 3,188 |
| Net loans and leases to total assets | 74.6419% | 1,816 |
| Net loans and leases to deposits | 99.7548% | 764 |
| Net loans and leases to core deposits | 132.8093% | 275 |
| Total domestic deposits to total assets | 74.8254% | 4,887 |
| Equity capital to assets | 10.7619% | 2,918 |
| Core capital (leverage) ratio | 10.9356% | 2,590 |
| Tier 1 risk-based capital ratio | 13.5036% | 3,546 |
| Total risk-based capital ratio | 14.4831% | 3,590 |
| Memoranda: | ||
| Average total assets | $310,598,800 | 2,086 |
| Average earning assets | $285,679,000 | 2,101 |
| Average equity | $31,058,800 | 2,281 |
| Average total loans | $226,295,200 | 1,979 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0617% | 3,752 |
| Cost of funding earning assets | 0.7896% | 1,385 |
| Net interest margin | 3.2722% | 4,354 |
| Noninterest income to average assets | 0.1893% | 4,839 |
| Noninterest expense to average assets | 1.7940% | 5,042 |
| Loan and lease loss provision to assets | -0.0514% | 5,295 |
| Net operating income to assets | 1.0229% | 2,995 |
| Return on assets (ROA) | 1.0229% | 3,005 |
| Pretax return on assets | 1.4579% | 2,035 |
| Return on Equity (ROE) | 10.4254% | 2,424 |
| Retained earnings to average equity (ytd only) | 10.4254% | 787 |
| Net charge-offs to loans | 0.0018% | 3,428 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,825 |
| Earnings coverage of net charge-offs (x) | 1,094.9725% | 73 |
| Efficiency ratio | 56.0535% | 4,385 |
| Assets per employee ($millions) | 12.0492% | 195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0283% | 3,595 |
| Loan loss allowance to noncurrent loans | 21,063.6364% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 5,015 |
| Noncurrent loans to loans | 0.0049% | 4,919 |
| Net loans and leases to total assets | 74.0354% | 1,974 |
| Net loans and leases to deposits | 91.0790% | 1,747 |
| Net loans and leases to core deposits | 123.2024% | 484 |
| Total domestic deposits to total assets | 81.2870% | 3,791 |
| Equity capital to assets | 10.6454% | 2,993 |
| Core capital (leverage) ratio | 10.3861% | 3,198 |
| Tier 1 risk-based capital ratio | 13.5217% | 3,617 |
| Total risk-based capital ratio | 14.5043% | 3,668 |
| Memoranda: | ||
| Average total assets | $311,396,250 | 2,097 |
| Average earning assets | $286,569,250 | 2,108 |
| Average equity | $30,552,750 | 2,313 |
| Average total loans | $224,908,250 | 1,994 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9173% | 4,025 |
| Cost of funding earning assets | 0.7818% | 1,209 |
| Net interest margin | 3.1355% | 4,652 |
| Noninterest income to average assets | 0.1982% | 4,828 |
| Noninterest expense to average assets | 1.7949% | 5,101 |
| Loan and lease loss provision to assets | -0.0445% | 5,371 |
| Net operating income to assets | 0.9378% | 3,288 |
| Return on assets (ROA) | 0.9378% | 3,293 |
| Pretax return on assets | 1.3349% | 2,378 |
| Return on Equity (ROE) | 9.8243% | 2,649 |
| Retained earnings to average equity (ytd only) | 9.8243% | 977 |
| Net charge-offs to loans | 0.0027% | 3,104 |
| Credit loss provision to net charge-offs | -2,333.3333% | 4,659 |
| Earnings coverage of net charge-offs (x) | 677.0000% | 121 |
| Efficiency ratio | 58.1755% | 4,204 |
| Assets per employee ($millions) | 11.9298% | 192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0519% | 3,524 |
| Loan loss allowance to noncurrent loans | 19,725.0000% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 5,041 |
| Noncurrent loans to loans | 0.0053% | 4,942 |
| Net loans and leases to total assets | 71.7816% | 2,310 |
| Net loans and leases to deposits | 89.9930% | 1,841 |
| Net loans and leases to core deposits | 122.5401% | 501 |
| Total domestic deposits to total assets | 79.7636% | 4,293 |
| Equity capital to assets | 10.0286% | 3,594 |
| Core capital (leverage) ratio | 10.1107% | 3,467 |
| Tier 1 risk-based capital ratio | 12.8049% | 4,005 |
| Total risk-based capital ratio | 13.7847% | 4,060 |
| Memoranda: | ||
| Average total assets | $314,785,330 | 2,097 |
| Average earning assets | $289,842,000 | 2,101 |
| Average equity | $30,048,000 | 2,347 |
| Average total loans | $224,766,670 | 1,992 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7997% | 4,222 |
| Cost of funding earning assets | 0.7725% | 1,092 |
| Net interest margin | 3.0272% | 4,841 |
| Noninterest income to average assets | 0.2006% | 4,822 |
| Noninterest expense to average assets | 1.8569% | 5,091 |
| Loan and lease loss provision to assets | 0.0164% | 3,321 |
| Net operating income to assets | 0.7682% | 3,836 |
| Return on assets (ROA) | 0.7682% | 3,838 |
| Pretax return on assets | 1.1303% | 3,052 |
| Return on Equity (ROE) | 8.2523% | 3,271 |
| Retained earnings to average equity (ytd only) | 8.2523% | 1,747 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8228% | 3,817 |
| Assets per employee ($millions) | 12.5372% | 172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0891% | 3,456 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 68.3446% | 2,722 |
| Net loans and leases to deposits | 95.3233% | 1,092 |
| Net loans and leases to core deposits | 128.8669% | 363 |
| Total domestic deposits to total assets | 71.6977% | 5,301 |
| Equity capital to assets | 9.1672% | 4,397 |
| Core capital (leverage) ratio | 9.4686% | 4,102 |
| Tier 1 risk-based capital ratio | 12.1895% | 4,442 |
| Total risk-based capital ratio | 13.1978% | 4,473 |
| Memoranda: | ||
| Average total assets | $317,091,000 | 2,090 |
| Average earning assets | $293,605,000 | 2,104 |
| Average equity | $29,519,000 | 2,404 |
| Average total loans | $224,642,500 | 2,004 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6945% | 4,349 |
| Cost of funding earning assets | 0.6862% | 1,102 |
| Net interest margin | 3.0083% | 4,869 |
| Noninterest income to average assets | 0.2397% | 4,700 |
| Noninterest expense to average assets | 1.8351% | 5,213 |
| Loan and lease loss provision to assets | 0.0315% | 3,644 |
| Net operating income to assets | 0.5932% | 4,039 |
| Return on assets (ROA) | 0.5895% | 4,092 |
| Pretax return on assets | 1.1167% | 3,116 |
| Return on Equity (ROE) | 6.5125% | 3,525 |
| Retained earnings to average equity (ytd only) | 6.5125% | 1,272 |
| Net charge-offs to loans | 0.0019% | 4,052 |
| Credit loss provision to net charge-offs | 2,450.0000% | 157 |
| Earnings coverage of net charge-offs (x) | 898.0000% | 92 |
| Efficiency ratio | 61.3929% | 4,037 |
| Assets per employee ($millions) | 11.8545% | 193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0890% | 3,409 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 71.9015% | 2,249 |
| Net loans and leases to deposits | 96.2355% | 1,069 |
| Net loans and leases to core deposits | 129.6151% | 348 |
| Total domestic deposits to total assets | 74.7142% | 5,112 |
| Equity capital to assets | 9.4596% | 4,261 |
| Core capital (leverage) ratio | 9.1242% | 4,496 |
| Tier 1 risk-based capital ratio | 12.0601% | 4,488 |
| Total risk-based capital ratio | 13.0782% | 4,528 |
| Memoranda: | ||
| Average total assets | $311,263,800 | 2,109 |
| Average earning assets | $284,479,600 | 2,130 |
| Average equity | $28,176,400 | 2,478 |
| Average total loans | $215,631,800 | 2,028 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6209% | 4,512 |
| Cost of funding earning assets | 0.6661% | 1,140 |
| Net interest margin | 2.9548% | 5,012 |
| Noninterest income to average assets | 0.2538% | 4,688 |
| Noninterest expense to average assets | 1.8460% | 5,210 |
| Loan and lease loss provision to assets | 0.0402% | 3,308 |
| Net operating income to assets | 0.6224% | 4,306 |
| Return on assets (ROA) | 0.6175% | 4,368 |
| Pretax return on assets | 1.0533% | 3,480 |
| Return on Equity (ROE) | 6.8977% | 3,720 |
| Retained earnings to average equity (ytd only) | 6.8977% | 1,743 |
| Net charge-offs to loans | 0.0025% | 3,664 |
| Credit loss provision to net charge-offs | 2,350.0000% | 181 |
| Earnings coverage of net charge-offs (x) | 644.6360% | 158 |
| Efficiency ratio | 62.6359% | 3,786 |
| Assets per employee ($millions) | 11.7388% | 193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1237% | 3,353 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 67.6310% | 2,899 |
| Net loans and leases to deposits | 89.2220% | 1,903 |
| Net loans and leases to core deposits | 123.6666% | 472 |
| Total domestic deposits to total assets | 75.8008% | 5,043 |
| Equity capital to assets | 9.0772% | 4,841 |
| Core capital (leverage) ratio | 8.9633% | 4,780 |
| Tier 1 risk-based capital ratio | 11.9558% | 4,661 |
| Total risk-based capital ratio | 12.9829% | 4,690 |
| Memoranda: | ||
| Average total assets | $312,025,750 | 2,118 |
| Average earning assets | $284,414,750 | 2,144 |
| Average equity | $27,931,500 | 2,511 |
| Average total loans | $213,526,750 | 2,061 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5365% | 4,666 |
| Cost of funding earning assets | 0.6287% | 1,276 |
| Net interest margin | 2.9078% | 5,082 |
| Noninterest income to average assets | 0.2674% | 4,627 |
| Noninterest expense to average assets | 1.8551% | 5,249 |
| Loan and lease loss provision to assets | 0.0445% | 3,099 |
| Net operating income to assets | 0.5931% | 4,342 |
| Return on assets (ROA) | 0.5857% | 4,421 |
| Pretax return on assets | 0.9968% | 3,581 |
| Return on Equity (ROE) | 6.5746% | 3,790 |
| Retained earnings to average equity (ytd only) | 6.5746% | 1,803 |
| Net charge-offs to loans | 0.0038% | 3,361 |
| Credit loss provision to net charge-offs | 1,725.0000% | 239 |
| Earnings coverage of net charge-offs (x) | 408.5000% | 208 |
| Efficiency ratio | 63.7935% | 3,703 |
| Assets per employee ($millions) | 13.3214% | 125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1078% | 3,541 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 67.3158% | 2,901 |
| Net loans and leases to deposits | 90.4281% | 1,674 |
| Net loans and leases to core deposits | 122.4061% | 481 |
| Total domestic deposits to total assets | 74.4412% | 5,256 |
| Equity capital to assets | 8.8182% | 5,058 |
| Core capital (leverage) ratio | 9.0303% | 4,690 |
| Tier 1 risk-based capital ratio | 11.7541% | 4,801 |
| Total risk-based capital ratio | 12.7681% | 4,838 |
| Memoranda: | ||
| Average total assets | $310,385,000 | 2,130 |
| Average earning assets | $281,858,330 | 2,167 |
| Average equity | $27,652,000 | 2,525 |
| Average total loans | $212,438,670 | 2,068 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5492% | 4,556 |
| Cost of funding earning assets | 0.6127% | 1,284 |
| Net interest margin | 2.9365% | 5,014 |
| Noninterest income to average assets | 0.2852% | 4,511 |
| Noninterest expense to average assets | 1.9652% | 5,119 |
| Loan and lease loss provision to assets | -0.0523% | 5,715 |
| Net operating income to assets | 0.6091% | 4,117 |
| Return on assets (ROA) | 0.5940% | 4,235 |
| Pretax return on assets | 1.0075% | 3,337 |
| Return on Equity (ROE) | 6.6322% | 3,590 |
| Retained earnings to average equity (ytd only) | 6.6322% | 2,009 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7556% | 3,372 |
| Assets per employee ($millions) | 12.2250% | 165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1087% | 3,668 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 64.7126% | 3,165 |
| Net loans and leases to deposits | 83.9965% | 2,290 |
| Net loans and leases to core deposits | 93.1175% | 2,056 |
| Total domestic deposits to total assets | 77.0420% | 5,107 |
| Equity capital to assets | 8.7044% | 5,071 |
| Core capital (leverage) ratio | 8.7048% | 5,041 |
| Tier 1 risk-based capital ratio | 11.8127% | 4,841 |
| Total risk-based capital ratio | 12.8069% | 4,895 |
| Memoranda: | ||
| Average total assets | $305,720,500 | 2,170 |
| Average earning assets | $276,796,500 | 2,207 |
| Average equity | $27,381,500 | 2,553 |
| Average total loans | $209,843,500 | 2,097 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5443% | 4,652 |
| Cost of funding earning assets | 0.6084% | 1,287 |
| Net interest margin | 2.9360% | 5,072 |
| Noninterest income to average assets | 0.2614% | 4,862 |
| Noninterest expense to average assets | 2.1045% | 4,992 |
| Loan and lease loss provision to assets | 0.0728% | 2,898 |
| Net operating income to assets | 0.4489% | 4,804 |
| Return on assets (ROA) | 0.4523% | 4,869 |
| Pretax return on assets | 0.7590% | 4,306 |
| Return on Equity (ROE) | 5.1762% | 4,339 |
| Retained earnings to average equity (ytd only) | 5.1762% | 2,216 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8027% | 2,618 |
| Assets per employee ($millions) | 11.2920% | 205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1082% | 3,665 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 71.3053% | 2,276 |
| Net loans and leases to deposits | 85.1176% | 2,295 |
| Net loans and leases to core deposits | 118.0365% | 544 |
| Total domestic deposits to total assets | 83.7727% | 3,513 |
| Equity capital to assets | 9.2292% | 4,543 |
| Core capital (leverage) ratio | 8.5351% | 5,225 |
| Tier 1 risk-based capital ratio | 11.8304% | 4,834 |
| Total risk-based capital ratio | 12.8616% | 4,894 |
| Memoranda: | ||
| Average total assets | $302,253,200 | 2,153 |
| Average earning assets | $274,834,200 | 2,177 |
| Average equity | $26,409,400 | 2,603 |
| Average total loans | $203,429,000 | 2,092 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4952% | 4,814 |
| Cost of funding earning assets | 0.6127% | 1,249 |
| Net interest margin | 2.8825% | 5,219 |
| Noninterest income to average assets | 0.2352% | 5,067 |
| Noninterest expense to average assets | 1.9854% | 5,233 |
| Loan and lease loss provision to assets | 0.0771% | 2,686 |
| Net operating income to assets | 0.4738% | 4,791 |
| Return on assets (ROA) | 0.4783% | 4,860 |
| Pretax return on assets | 0.8006% | 4,306 |
| Return on Equity (ROE) | 5.5491% | 4,290 |
| Retained earnings to average equity (ytd only) | 5.5491% | 2,457 |
| Net charge-offs to loans | -0.0013% | 4,453 |
| Credit loss provision to net charge-offs | -8,800.0000% | 5,444 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5139% | 2,965 |
| Assets per employee ($millions) | 11.3185% | 200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1075% | 3,788 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 64.9141% | 3,280 |
| Net loans and leases to deposits | 89.3858% | 1,834 |
| Net loans and leases to core deposits | 127.5830% | 344 |
| Total domestic deposits to total assets | 72.6223% | 5,553 |
| Equity capital to assets | 8.5053% | 5,527 |
| Core capital (leverage) ratio | 8.4247% | 5,420 |
| Tier 1 risk-based capital ratio | 11.6694% | 4,998 |
| Total risk-based capital ratio | 12.6812% | 5,033 |
| Memoranda: | ||
| Average total assets | $304,418,750 | 2,149 |
| Average earning assets | $276,788,750 | 2,182 |
| Average equity | $26,237,750 | 2,638 |
| Average total loans | $201,363,250 | 2,112 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4995% | 4,862 |
| Cost of funding earning assets | 0.6077% | 1,264 |
| Net interest margin | 2.8918% | 5,282 |
| Noninterest income to average assets | 0.2271% | 5,130 |
| Noninterest expense to average assets | 1.9637% | 5,344 |
| Loan and lease loss provision to assets | 0.2032% | 1,055 |
| Net operating income to assets | 0.4122% | 4,999 |
| Return on assets (ROA) | 0.4190% | 5,064 |
| Pretax return on assets | 0.6954% | 4,628 |
| Return on Equity (ROE) | 4.8387% | 4,584 |
| Retained earnings to average equity (ytd only) | 4.8387% | 2,839 |
| Net charge-offs to loans | -0.0020% | 4,378 |
| Credit loss provision to net charge-offs | -15,250.0000% | 5,390 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8624% | 3,180 |
| Assets per employee ($millions) | 10.5269% | 237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1479% | 3,664 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 66.3465% | 3,033 |
| Net loans and leases to deposits | 98.5337% | 832 |
| Net loans and leases to core deposits | 130.8816% | 294 |
| Total domestic deposits to total assets | 67.3338% | 5,855 |
| Equity capital to assets | 8.3918% | 5,655 |
| Core capital (leverage) ratio | 8.4218% | 5,432 |
| Tier 1 risk-based capital ratio | 11.3451% | 5,250 |
| Total risk-based capital ratio | 12.4027% | 5,253 |
| Memoranda: | ||
| Average total assets | $300,252,000 | 2,180 |
| Average earning assets | $272,497,330 | 2,220 |
| Average equity | $25,998,670 | 2,665 |
| Average total loans | $199,141,330 | 2,135 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3784% | 5,169 |
| Cost of funding earning assets | 0.5653% | 1,579 |
| Net interest margin | 2.8131% | 5,454 |
| Noninterest income to average assets | 0.2147% | 5,202 |
| Noninterest expense to average assets | 2.0200% | 5,291 |
| Loan and lease loss provision to assets | 0.2325% | 787 |
| Net operating income to assets | 0.3296% | 5,214 |
| Return on assets (ROA) | 0.3296% | 5,302 |
| Pretax return on assets | 0.5279% | 5,013 |
| Return on Equity (ROE) | 3.7441% | 4,982 |
| Retained earnings to average equity (ytd only) | 3.7441% | 3,620 |
| Net charge-offs to loans | -0.0042% | 4,240 |
| Credit loss provision to net charge-offs | -8,500.0000% | 5,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6513% | 2,706 |
| Assets per employee ($millions) | 9.9085% | 288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1483% | 3,777 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 64.4020% | 3,186 |
| Net loans and leases to deposits | 92.7935% | 1,252 |
| Net loans and leases to core deposits | 124.4098% | 361 |
| Total domestic deposits to total assets | 69.4035% | 5,888 |
| Equity capital to assets | 8.4672% | 5,587 |
| Core capital (leverage) ratio | 8.9429% | 4,925 |
| Tier 1 risk-based capital ratio | 11.7954% | 5,049 |
| Total risk-based capital ratio | 12.8511% | 5,075 |
| Memoranda: | ||
| Average total assets | $292,474,500 | 2,232 |
| Average earning assets | $266,752,000 | 2,260 |
| Average equity | $25,747,000 | 2,680 |
| Average total loans | $192,732,000 | 2,182 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5298% | 4,844 |
| Cost of funding earning assets | 0.5398% | 1,842 |
| Net interest margin | 2.9901% | 5,161 |
| Noninterest income to average assets | 0.3382% | 4,491 |
| Noninterest expense to average assets | 2.2198% | 5,009 |
| Loan and lease loss provision to assets | 0.0701% | 2,881 |
| Net operating income to assets | 0.4507% | 4,882 |
| Return on assets (ROA) | 0.4507% | 4,966 |
| Pretax return on assets | 0.7498% | 4,367 |
| Return on Equity (ROE) | 4.9199% | 4,545 |
| Retained earnings to average equity (ytd only) | 4.9199% | 2,479 |
| Net charge-offs to loans | -0.0097% | 5,104 |
| Credit loss provision to net charge-offs | -1,117.6471% | 5,573 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0265% | 2,742 |
| Assets per employee ($millions) | 8.9608% | 392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1465% | 3,771 |
| Loan loss allowance to noncurrent loans | 212,500.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 5,748 |
| Noncurrent loans to loans | 0.0005% | 5,580 |
| Net loans and leases to total assets | 65.9580% | 2,983 |
| Net loans and leases to deposits | 82.9611% | 2,478 |
| Net loans and leases to core deposits | 107.5329% | 997 |
| Total domestic deposits to total assets | 79.5047% | 4,867 |
| Equity capital to assets | 9.1747% | 4,940 |
| Core capital (leverage) ratio | 9.3477% | 4,397 |
| Tier 1 risk-based capital ratio | 12.5719% | 4,581 |
| Total risk-based capital ratio | 13.6216% | 4,606 |
| Memoranda: | ||
| Average total assets | $270,882,000 | 2,337 |
| Average earning assets | $244,742,200 | 2,385 |
| Average equity | $24,817,400 | 2,709 |
| Average total loans | $176,002,800 | 2,283 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5305% | 4,914 |
| Cost of funding earning assets | 0.5426% | 1,867 |
| Net interest margin | 2.9879% | 5,226 |
| Noninterest income to average assets | 0.3572% | 4,384 |
| Noninterest expense to average assets | 2.2182% | 5,002 |
| Loan and lease loss provision to assets | 0.0822% | 2,527 |
| Net operating income to assets | 0.4528% | 4,961 |
| Return on assets (ROA) | 0.4528% | 5,052 |
| Pretax return on assets | 0.7490% | 4,496 |
| Return on Equity (ROE) | 4.9437% | 4,651 |
| Retained earnings to average equity (ytd only) | 4.9437% | 2,951 |
| Net charge-offs to loans | -0.0100% | 4,986 |
| Credit loss provision to net charge-offs | -1,276.9231% | 5,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7420% | 2,759 |
| Assets per employee ($millions) | 9.9595% | 275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1463% | 3,950 |
| Loan loss allowance to noncurrent loans | 209,800.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 5,837 |
| Noncurrent loans to loans | 0.0005% | 5,680 |
| Net loans and leases to total assets | 64.8785% | 3,175 |
| Net loans and leases to deposits | 94.1469% | 1,187 |
| Net loans and leases to core deposits | 119.5947% | 483 |
| Total domestic deposits to total assets | 68.9120% | 6,013 |
| Equity capital to assets | 9.0613% | 5,257 |
| Core capital (leverage) ratio | 9.4413% | 4,380 |
| Tier 1 risk-based capital ratio | 12.6348% | 4,661 |
| Total risk-based capital ratio | 13.6916% | 4,704 |
| Memoranda: | ||
| Average total assets | $269,156,000 | 2,367 |
| Average earning assets | $242,527,500 | 2,417 |
| Average equity | $24,650,250 | 2,744 |
| Average total loans | $173,666,750 | 2,325 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5847% | 4,762 |
| Cost of funding earning assets | 0.5618% | 1,715 |
| Net interest margin | 3.0230% | 5,170 |
| Noninterest income to average assets | 0.3888% | 4,166 |
| Noninterest expense to average assets | 2.2428% | 4,996 |
| Loan and lease loss provision to assets | 0.0602% | 2,901 |
| Net operating income to assets | 0.4949% | 4,793 |
| Return on assets (ROA) | 0.4949% | 4,897 |
| Pretax return on assets | 0.8138% | 4,278 |
| Return on Equity (ROE) | 5.3837% | 4,434 |
| Retained earnings to average equity (ytd only) | 5.3837% | 2,611 |
| Net charge-offs to loans | -0.0082% | 4,875 |
| Credit loss provision to net charge-offs | -1,142.8571% | 5,375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9595% | 3,002 |
| Assets per employee ($millions) | 9.6531% | 295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1461% | 4,103 |
| Loan loss allowance to noncurrent loans | 786.6667% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.0943% | 5,489 |
| Noncurrent loans to loans | 0.1457% | 5,163 |
| Net loans and leases to total assets | 64.0148% | 3,261 |
| Net loans and leases to deposits | 94.2453% | 1,126 |
| Net loans and leases to core deposits | 124.4546% | 365 |
| Total domestic deposits to total assets | 67.9236% | 6,114 |
| Equity capital to assets | 9.1758% | 5,047 |
| Core capital (leverage) ratio | 9.4367% | 4,370 |
| Tier 1 risk-based capital ratio | 12.9209% | 4,562 |
| Total risk-based capital ratio | 13.9666% | 4,595 |
| Memoranda: | ||
| Average total assets | $265,919,330 | 2,407 |
| Average earning assets | $239,961,670 | 2,460 |
| Average equity | $24,444,000 | 2,770 |
| Average total loans | $170,548,330 | 2,371 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7083% | 4,331 |
| Cost of funding earning assets | 0.5965% | 1,462 |
| Net interest margin | 3.1118% | 4,912 |
| Noninterest income to average assets | 0.2700% | 5,018 |
| Noninterest expense to average assets | 2.1795% | 5,206 |
| Loan and lease loss provision to assets | 0.0485% | 2,960 |
| Net operating income to assets | 0.5263% | 4,560 |
| Return on assets (ROA) | 0.5263% | 4,678 |
| Pretax return on assets | 0.8509% | 4,057 |
| Return on Equity (ROE) | 5.7201% | 4,174 |
| Retained earnings to average equity (ytd only) | 5.7201% | 2,648 |
| Net charge-offs to loans | -0.0095% | 4,698 |
| Credit loss provision to net charge-offs | -800.0000% | 4,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7882% | 3,356 |
| Assets per employee ($millions) | 9.1878% | 338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1532% | 4,246 |
| Loan loss allowance to noncurrent loans | 195,500.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 5,983 |
| Noncurrent loans to loans | 0.0006% | 5,826 |
| Net loans and leases to total assets | 62.8917% | 3,247 |
| Net loans and leases to deposits | 89.5557% | 1,435 |
| Net loans and leases to core deposits | 122.5379% | 362 |
| Total domestic deposits to total assets | 70.2263% | 6,121 |
| Equity capital to assets | 9.2000% | 5,085 |
| Core capital (leverage) ratio | 9.4099% | 4,412 |
| Tier 1 risk-based capital ratio | 13.0611% | 4,568 |
| Total risk-based capital ratio | 14.1060% | 4,602 |
| Memoranda: | ||
| Average total assets | $263,736,000 | 2,438 |
| Average earning assets | $238,063,000 | 2,487 |
| Average equity | $24,265,500 | 2,803 |
| Average total loans | $168,308,000 | 2,391 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7322% | 4,700 |
| Cost of funding earning assets | 0.6451% | 1,441 |
| Net interest margin | 3.0871% | 5,239 |
| Noninterest income to average assets | 0.2682% | 5,206 |
| Noninterest expense to average assets | 2.5232% | 4,472 |
| Loan and lease loss provision to assets | -0.0685% | 6,086 |
| Net operating income to assets | 0.3858% | 5,265 |
| Return on assets (ROA) | 0.3888% | 5,323 |
| Pretax return on assets | 0.6395% | 4,814 |
| Return on Equity (ROE) | 4.4735% | 4,906 |
| Retained earnings to average equity (ytd only) | 4.4735% | 2,992 |
| Net charge-offs to loans | -0.0127% | 5,610 |
| Credit loss provision to net charge-offs | 857.1429% | 319 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6671% | 1,700 |
| Assets per employee ($millions) | 9.3223% | 302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1485% | 4,295 |
| Loan loss allowance to noncurrent loans | 191,900.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 6,112 |
| Noncurrent loans to loans | 0.0006% | 5,945 |
| Net loans and leases to total assets | 63.2771% | 3,321 |
| Net loans and leases to deposits | 91.8192% | 1,305 |
| Net loans and leases to core deposits | 130.4117% | 240 |
| Total domestic deposits to total assets | 68.9149% | 6,239 |
| Equity capital to assets | 9.2014% | 5,073 |
| Core capital (leverage) ratio | 9.3748% | 4,429 |
| Tier 1 risk-based capital ratio | 12.9974% | 4,732 |
| Total risk-based capital ratio | 14.0350% | 4,779 |
| Memoranda: | ||
| Average total assets | $262,882,000 | 2,403 |
| Average earning assets | $240,258,000 | 2,429 |
| Average equity | $22,845,400 | 2,861 |
| Average total loans | $165,628,200 | 2,369 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7564% | 4,693 |
| Cost of funding earning assets | 0.6497% | 1,459 |
| Net interest margin | 3.1068% | 5,240 |
| Noninterest income to average assets | 0.2435% | 5,459 |
| Noninterest expense to average assets | 2.3153% | 5,067 |
| Loan and lease loss provision to assets | 0.0309% | 3,793 |
| Net operating income to assets | 0.4503% | 5,072 |
| Return on assets (ROA) | 0.4541% | 5,141 |
| Pretax return on assets | 0.7483% | 4,529 |
| Return on Equity (ROE) | 5.3031% | 4,574 |
| Retained earnings to average equity (ytd only) | 5.3031% | 2,876 |
| Net charge-offs to loans | -0.0121% | 5,473 |
| Credit loss provision to net charge-offs | -406.6667% | 5,710 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9672% | 2,667 |
| Assets per employee ($millions) | 9.0336% | 330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2903% | 3,694 |
| Loan loss allowance to noncurrent loans | 247.0183% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.3114% | 5,026 |
| Noncurrent loans to loans | 0.5223% | 4,366 |
| Net loans and leases to total assets | 58.8430% | 3,957 |
| Net loans and leases to deposits | 91.1648% | 1,303 |
| Net loans and leases to core deposits | 129.7796% | 235 |
| Total domestic deposits to total assets | 64.5457% | 6,426 |
| Equity capital to assets | 8.4559% | 5,827 |
| Core capital (leverage) ratio | 8.8582% | 5,254 |
| Tier 1 risk-based capital ratio | 12.7066% | 5,040 |
| Total risk-based capital ratio | 13.8509% | 5,031 |
| Memoranda: | ||
| Average total assets | $263,346,250 | 2,420 |
| Average earning assets | $241,144,750 | 2,431 |
| Average equity | $22,552,250 | 2,896 |
| Average total loans | $165,263,250 | 2,392 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7642% | 4,644 |
| Cost of funding earning assets | 0.6652% | 1,407 |
| Net interest margin | 3.0990% | 5,256 |
| Noninterest income to average assets | 0.2242% | 5,600 |
| Noninterest expense to average assets | 2.3423% | 5,049 |
| Loan and lease loss provision to assets | 0.0473% | 3,361 |
| Net operating income to assets | 0.4254% | 5,115 |
| Return on assets (ROA) | 0.4314% | 5,178 |
| Pretax return on assets | 0.7029% | 4,629 |
| Return on Equity (ROE) | 5.0144% | 4,665 |
| Retained earnings to average equity (ytd only) | 5.0144% | 2,950 |
| Net charge-offs to loans | -0.0121% | 5,374 |
| Credit loss provision to net charge-offs | -610.0000% | 5,630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9688% | 2,640 |
| Assets per employee ($millions) | 8.3042% | 439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2658% | 4,045 |
| Loan loss allowance to noncurrent loans | 246.7279% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.3178% | 5,103 |
| Noncurrent loans to loans | 0.5130% | 4,464 |
| Net loans and leases to total assets | 61.1677% | 3,545 |
| Net loans and leases to deposits | 91.5742% | 1,205 |
| Net loans and leases to core deposits | 132.4709% | 205 |
| Total domestic deposits to total assets | 66.7957% | 6,459 |
| Equity capital to assets | 8.3065% | 5,947 |
| Core capital (leverage) ratio | 8.5617% | 5,574 |
| Tier 1 risk-based capital ratio | 12.2772% | 5,369 |
| Total risk-based capital ratio | 13.4238% | 5,354 |
| Memoranda: | ||
| Average total assets | $257,781,000 | 2,473 |
| Average earning assets | $237,822,000 | 2,470 |
| Average equity | $22,176,330 | 2,928 |
| Average total loans | $164,704,670 | 2,399 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8974% | 4,094 |
| Cost of funding earning assets | 0.6884% | 1,318 |
| Net interest margin | 3.2090% | 4,897 |
| Noninterest income to average assets | 0.2355% | 5,476 |
| Noninterest expense to average assets | 2.5059% | 4,602 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3974% | 5,128 |
| Return on assets (ROA) | 0.3974% | 5,199 |
| Pretax return on assets | 0.6874% | 4,529 |
| Return on Equity (ROE) | 4.5332% | 4,771 |
| Retained earnings to average equity (ytd only) | 4.5332% | 3,399 |
| Net charge-offs to loans | -0.0099% | 5,040 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4747% | 2,412 |
| Assets per employee ($millions) | 7.5426% | 614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2983% | 4,132 |
| Loan loss allowance to noncurrent loans | 234.7238% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.3564% | 5,094 |
| Noncurrent loans to loans | 0.5531% | 4,505 |
| Net loans and leases to total assets | 63.5907% | 2,967 |
| Net loans and leases to deposits | 84.7433% | 1,748 |
| Net loans and leases to core deposits | 120.9434% | 309 |
| Total domestic deposits to total assets | 75.0392% | 6,155 |
| Equity capital to assets | 8.8391% | 5,285 |
| Core capital (leverage) ratio | 8.5497% | 5,584 |
| Tier 1 risk-based capital ratio | 12.9138% | 5,048 |
| Total risk-based capital ratio | 14.1117% | 5,029 |
| Memoranda: | ||
| Average total assets | $249,653,000 | 2,560 |
| Average earning assets | $230,103,500 | 2,553 |
| Average equity | $21,883,000 | 2,956 |
| Average total loans | $162,171,500 | 2,435 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8772% | 4,544 |
| Cost of funding earning assets | 0.6844% | 1,926 |
| Net interest margin | 3.1929% | 5,025 |
| Noninterest income to average assets | 0.2023% | 5,872 |
| Noninterest expense to average assets | 2.4338% | 4,977 |
| Loan and lease loss provision to assets | 0.0713% | 3,693 |
| Net operating income to assets | 0.3987% | 5,144 |
| Return on assets (ROA) | 0.4213% | 5,179 |
| Pretax return on assets | 0.6689% | 4,641 |
| Return on Equity (ROE) | 4.6641% | 4,804 |
| Retained earnings to average equity (ytd only) | 4.6641% | 2,840 |
| Net charge-offs to loans | 0.0594% | 4,390 |
| Credit loss provision to net charge-offs | 182.7957% | 1,258 |
| Earnings coverage of net charge-offs (x) | 18.0645% | 1,678 |
| Efficiency ratio | 77.5401% | 2,534 |
| Assets per employee ($millions) | 7.5879% | 582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2672% | 4,311 |
| Loan loss allowance to noncurrent loans | 230.1218% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.3606% | 5,172 |
| Noncurrent loans to loans | 0.5507% | 4,613 |
| Net loans and leases to total assets | 64.6573% | 2,928 |
| Net loans and leases to deposits | 89.3632% | 1,301 |
| Net loans and leases to core deposits | 131.7465% | 182 |
| Total domestic deposits to total assets | 72.3534% | 6,402 |
| Equity capital to assets | 8.6921% | 5,381 |
| Core capital (leverage) ratio | 8.7063% | 5,408 |
| Tier 1 risk-based capital ratio | 12.3698% | 5,385 |
| Total risk-based capital ratio | 13.5361% | 5,360 |
| Memoranda: | ||
| Average total assets | $238,315,200 | 2,636 |
| Average earning assets | $219,176,000 | 2,630 |
| Average equity | $21,526,200 | 2,982 |
| Average total loans | $156,683,600 | 2,467 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8956% | 4,516 |
| Cost of funding earning assets | 0.6891% | 2,024 |
| Net interest margin | 3.2065% | 4,978 |
| Noninterest income to average assets | 0.2142% | 5,900 |
| Noninterest expense to average assets | 2.4400% | 4,908 |
| Loan and lease loss provision to assets | -0.0028% | 6,453 |
| Net operating income to assets | 0.4569% | 5,001 |
| Return on assets (ROA) | 0.4834% | 5,032 |
| Pretax return on assets | 0.7661% | 4,436 |
| Return on Equity (ROE) | 5.2980% | 4,566 |
| Retained earnings to average equity (ytd only) | 5.2980% | 2,877 |
| Net charge-offs to loans | -0.0017% | 5,679 |
| Credit loss provision to net charge-offs | 250.0000% | 978 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1685% | 2,529 |
| Assets per employee ($millions) | 7.5129% | 579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2873% | 4,461 |
| Loan loss allowance to noncurrent loans | 243.5366% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.3411% | 5,381 |
| Noncurrent loans to loans | 0.5286% | 4,873 |
| Net loans and leases to total assets | 63.6935% | 3,046 |
| Net loans and leases to deposits | 86.5663% | 1,546 |
| Net loans and leases to core deposits | 131.8489% | 170 |
| Total domestic deposits to total assets | 73.5777% | 6,396 |
| Equity capital to assets | 9.0032% | 5,185 |
| Core capital (leverage) ratio | 8.9782% | 5,155 |
| Tier 1 risk-based capital ratio | 12.8535% | 5,221 |
| Total risk-based capital ratio | 14.0252% | 5,213 |
| Memoranda: | ||
| Average total assets | $235,294,000 | 2,685 |
| Average earning assets | $216,308,250 | 2,671 |
| Average equity | $21,466,500 | 3,021 |
| Average total loans | $154,859,500 | 2,502 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8322% | 4,727 |
| Cost of funding earning assets | 0.7103% | 2,002 |
| Net interest margin | 3.1219% | 5,216 |
| Noninterest income to average assets | 0.2269% | 5,822 |
| Noninterest expense to average assets | 2.4342% | 4,950 |
| Loan and lease loss provision to assets | -0.0171% | 6,590 |
| Net operating income to assets | 0.4198% | 5,139 |
| Return on assets (ROA) | 0.4598% | 5,145 |
| Pretax return on assets | 0.7475% | 4,515 |
| Return on Equity (ROE) | 5.0171% | 4,722 |
| Retained earnings to average equity (ytd only) | 5.0171% | 3,046 |
| Net charge-offs to loans | -0.0013% | 5,506 |
| Credit loss provision to net charge-offs | 2,000.0000% | 156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4709% | 2,383 |
| Assets per employee ($millions) | 7.3140% | 622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2812% | 4,598 |
| Loan loss allowance to noncurrent loans | 39,640.0000% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 6,582 |
| Noncurrent loans to loans | 0.0032% | 6,447 |
| Net loans and leases to total assets | 65.2479% | 2,718 |
| Net loans and leases to deposits | 90.3301% | 1,114 |
| Net loans and leases to core deposits | 137.1238% | 147 |
| Total domestic deposits to total assets | 72.2327% | 6,549 |
| Equity capital to assets | 9.1019% | 5,100 |
| Core capital (leverage) ratio | 9.1214% | 4,802 |
| Tier 1 risk-based capital ratio | 12.8581% | 5,251 |
| Total risk-based capital ratio | 14.0378% | 5,232 |
| Memoranda: | ||
| Average total assets | $233,587,330 | 2,709 |
| Average earning assets | $215,126,330 | 2,690 |
| Average equity | $21,407,000 | 3,047 |
| Average total loans | $154,771,000 | 2,507 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6812% | 5,227 |
| Cost of funding earning assets | 0.7563% | 1,797 |
| Net interest margin | 2.9249% | 5,763 |
| Noninterest income to average assets | 0.2365% | 5,767 |
| Noninterest expense to average assets | 2.3741% | 5,190 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3342% | 5,428 |
| Return on assets (ROA) | 0.4011% | 5,271 |
| Pretax return on assets | 0.6651% | 4,725 |
| Return on Equity (ROE) | 4.3618% | 4,919 |
| Retained earnings to average equity (ytd only) | 4.3618% | 3,620 |
| Net charge-offs to loans | -0.0026% | 5,178 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8995% | 2,195 |
| Assets per employee ($millions) | 7.1186% | 730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3067% | 4,661 |
| Loan loss allowance to noncurrent loans | 28,600.0000% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 6,637 |
| Noncurrent loans to loans | 0.0046% | 6,502 |
| Net loans and leases to total assets | 64.3680% | 2,636 |
| Net loans and leases to deposits | 86.2180% | 1,328 |
| Net loans and leases to core deposits | 131.6919% | 165 |
| Total domestic deposits to total assets | 74.6572% | 6,493 |
| Equity capital to assets | 9.1569% | 5,304 |
| Core capital (leverage) ratio | 9.2991% | 4,400 |
| Tier 1 risk-based capital ratio | 12.6955% | 5,431 |
| Total risk-based capital ratio | 13.8894% | 5,435 |
| Memoranda: | ||
| Average total assets | $233,356,500 | 2,741 |
| Average earning assets | $215,253,500 | 2,713 |
| Average equity | $21,459,000 | 3,084 |
| Average total loans | $154,809,500 | 2,523 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3707% | 3,942 |
| Cost of funding earning assets | 0.9142% | 1,854 |
| Net interest margin | 3.4565% | 4,682 |
| Noninterest income to average assets | 0.2081% | 5,925 |
| Noninterest expense to average assets | 2.9623% | 3,418 |
| Loan and lease loss provision to assets | 0.1091% | 4,265 |
| Net operating income to assets | 0.2067% | 5,768 |
| Return on assets (ROA) | 0.2596% | 5,809 |
| Pretax return on assets | 0.4120% | 5,544 |
| Return on Equity (ROE) | 2.6374% | 5,695 |
| Retained earnings to average equity (ytd only) | 2.6374% | 4,378 |
| Net charge-offs to loans | -0.0069% | 6,421 |
| Credit loss provision to net charge-offs | -2,350.0000% | 6,646 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1073% | 1,321 |
| Assets per employee ($millions) | 7.0242% | 757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2794% | 4,742 |
| Loan loss allowance to noncurrent loans | 543.7500% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.1588% | 6,164 |
| Noncurrent loans to loans | 0.2353% | 5,891 |
| Net loans and leases to total assets | 66.6123% | 2,435 |
| Net loans and leases to deposits | 91.9828% | 912 |
| Net loans and leases to core deposits | 143.9294% | 122 |
| Total domestic deposits to total assets | 72.4182% | 6,669 |
| Equity capital to assets | 9.2352% | 5,230 |
| Core capital (leverage) ratio | 9.4372% | 4,204 |
| Tier 1 risk-based capital ratio | 12.3437% | 5,575 |
| Total risk-based capital ratio | 13.5187% | 5,575 |
| Memoranda: | ||
| Average total assets | $215,305,600 | 2,882 |
| Average earning assets | $198,870,400 | 2,859 |
| Average equity | $21,195,200 | 3,074 |
| Average total loans | $145,669,600 | 2,636 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4559% | 3,799 |
| Cost of funding earning assets | 0.9437% | 1,883 |
| Net interest margin | 3.5122% | 4,596 |
| Noninterest income to average assets | 0.1970% | 6,119 |
| Noninterest expense to average assets | 3.1435% | 2,739 |
| Loan and lease loss provision to assets | 0.0758% | 4,699 |
| Net operating income to assets | 0.1455% | 6,040 |
| Return on assets (ROA) | 0.1926% | 6,101 |
| Pretax return on assets | 0.2917% | 5,974 |
| Return on Equity (ROE) | 1.9234% | 6,043 |
| Retained earnings to average equity (ytd only) | 1.9234% | 5,367 |
| Net charge-offs to loans | -0.0028% | 6,223 |
| Credit loss provision to net charge-offs | -4,000.0000% | 6,650 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3913% | 930 |
| Assets per employee ($millions) | 6.4425% | 977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2792% | 4,904 |
| Loan loss allowance to noncurrent loans | 23,487.5000% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 6,804 |
| Noncurrent loans to loans | 0.0054% | 6,675 |
| Net loans and leases to total assets | 66.2009% | 2,616 |
| Net loans and leases to deposits | 89.5095% | 1,204 |
| Net loans and leases to core deposits | 134.8156% | 160 |
| Total domestic deposits to total assets | 73.9596% | 6,606 |
| Equity capital to assets | 9.8775% | 4,672 |
| Core capital (leverage) ratio | 9.9728% | 3,580 |
| Tier 1 risk-based capital ratio | 13.1347% | 5,140 |
| Total risk-based capital ratio | 14.3218% | 5,147 |
| Memoranda: | ||
| Average total assets | $211,182,500 | 2,943 |
| Average earning assets | $194,973,500 | 2,923 |
| Average equity | $21,142,250 | 3,107 |
| Average total loans | $142,985,250 | 2,710 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5906% | 3,405 |
| Cost of funding earning assets | 0.9602% | 1,995 |
| Net interest margin | 3.6304% | 4,138 |
| Noninterest income to average assets | 0.2014% | 6,118 |
| Noninterest expense to average assets | 3.4043% | 2,026 |
| Loan and lease loss provision to assets | 0.1036% | 4,231 |
| Net operating income to assets | 0.0241% | 6,293 |
| Return on assets (ROA) | 0.0978% | 6,318 |
| Pretax return on assets | 0.1448% | 6,235 |
| Return on Equity (ROE) | 0.9725% | 6,304 |
| Retained earnings to average equity (ytd only) | 0.9725% | 5,685 |
| Net charge-offs to loans | -0.0028% | 6,112 |
| Credit loss provision to net charge-offs | -5,400.0000% | 6,567 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0498% | 701 |
| Assets per employee ($millions) | 6.2331% | 1,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2794% | 4,990 |
| Loan loss allowance to noncurrent loans | 16,963.6364% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 6,845 |
| Noncurrent loans to loans | 0.0075% | 6,698 |
| Net loans and leases to total assets | 70.0000% | 1,918 |
| Net loans and leases to deposits | 90.1140% | 1,137 |
| Net loans and leases to core deposits | 138.3952% | 158 |
| Total domestic deposits to total assets | 77.6794% | 6,219 |
| Equity capital to assets | 10.2779% | 3,964 |
| Core capital (leverage) ratio | 9.8861% | 3,598 |
| Tier 1 risk-based capital ratio | 13.1911% | 5,044 |
| Total risk-based capital ratio | 14.3823% | 5,063 |
| Memoranda: | ||
| Average total assets | $208,562,000 | 2,987 |
| Average earning assets | $192,045,330 | 2,971 |
| Average equity | $20,977,670 | 3,112 |
| Average total loans | $141,684,330 | 2,748 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4279% | 4,206 |
| Cost of funding earning assets | 0.9500% | 2,308 |
| Net interest margin | 3.4779% | 4,800 |
| Noninterest income to average assets | 0.2095% | 6,122 |
| Noninterest expense to average assets | 3.1353% | 2,804 |
| Loan and lease loss provision to assets | 0.1124% | 3,953 |
| Net operating income to assets | 0.1189% | 6,197 |
| Return on assets (ROA) | 0.1295% | 6,301 |
| Pretax return on assets | 0.1848% | 6,227 |
| Return on Equity (ROE) | 1.3017% | 6,286 |
| Retained earnings to average equity (ytd only) | 1.3017% | 5,577 |
| Net charge-offs to loans | -0.0029% | 5,739 |
| Credit loss provision to net charge-offs | -5,900.0000% | 6,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7503% | 958 |
| Assets per employee ($millions) | 6.2208% | 1,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2792% | 5,112 |
| Loan loss allowance to noncurrent loans | 13,969.2308% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 6,925 |
| Noncurrent loans to loans | 0.0092% | 6,771 |
| Net loans and leases to total assets | 66.2626% | 2,421 |
| Net loans and leases to deposits | 94.4693% | 628 |
| Net loans and leases to core deposits | 139.8507% | 151 |
| Total domestic deposits to total assets | 70.1419% | 6,972 |
| Equity capital to assets | 9.9453% | 4,196 |
| Core capital (leverage) ratio | 10.0785% | 3,273 |
| Tier 1 risk-based capital ratio | 13.4550% | 4,857 |
| Total risk-based capital ratio | 14.6413% | 4,898 |
| Memoranda: | ||
| Average total assets | $209,996,500 | 2,990 |
| Average earning assets | $193,681,000 | 2,976 |
| Average equity | $20,896,000 | 3,116 |
| Average total loans | $139,601,000 | 2,789 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5619% | 4,826 |
| Cost of funding earning assets | 1.1327% | 2,446 |
| Net interest margin | 3.4292% | 5,393 |
| Noninterest income to average assets | 0.2218% | 5,943 |
| Noninterest expense to average assets | 3.1858% | 2,913 |
| Loan and lease loss provision to assets | 0.0240% | 6,276 |
| Net operating income to assets | 0.1199% | 5,818 |
| Return on assets (ROA) | 0.1829% | 5,773 |
| Pretax return on assets | 0.2942% | 5,570 |
| Return on Equity (ROE) | 1.8625% | 5,715 |
| Retained earnings to average equity (ytd only) | 1.8625% | 4,888 |
| Net charge-offs to loans | -0.0029% | 6,813 |
| Credit loss provision to net charge-offs | -1,250.0000% | 6,880 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5447% | 952 |
| Assets per employee ($millions) | 5.9567% | 1,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2795% | 5,021 |
| Loan loss allowance to noncurrent loans | 10,975.0000% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 6,972 |
| Noncurrent loans to loans | 0.0117% | 6,820 |
| Net loans and leases to total assets | 64.9828% | 2,990 |
| Net loans and leases to deposits | 90.0014% | 1,159 |
| Net loans and leases to core deposits | 134.5142% | 198 |
| Total domestic deposits to total assets | 72.2020% | 6,861 |
| Equity capital to assets | 9.9561% | 4,219 |
| Core capital (leverage) ratio | 9.9338% | 3,419 |
| Tier 1 risk-based capital ratio | 13.9579% | 4,350 |
| Total risk-based capital ratio | 15.1451% | 4,360 |
| Memoranda: | ||
| Average total assets | $208,328,400 | 2,967 |
| Average earning assets | $193,427,400 | 2,931 |
| Average equity | $20,456,800 | 3,076 |
| Average total loans | $136,193,800 | 2,873 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5540% | 5,075 |
| Cost of funding earning assets | 1.1671% | 2,520 |
| Net interest margin | 3.3869% | 5,615 |
| Noninterest income to average assets | 0.2298% | 5,974 |
| Noninterest expense to average assets | 3.2614% | 2,630 |
| Loan and lease loss provision to assets | 0.0736% | 5,531 |
| Net operating income to assets | 0.0284% | 6,119 |
| Return on assets (ROA) | 0.1011% | 6,076 |
| Pretax return on assets | 0.1485% | 6,002 |
| Return on Equity (ROE) | 1.0336% | 6,061 |
| Retained earnings to average equity (ytd only) | 1.0336% | 5,600 |
| Net charge-offs to loans | -0.0039% | 6,701 |
| Credit loss provision to net charge-offs | -2,875.0000% | 6,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5877% | 785 |
| Assets per employee ($millions) | 6.0643% | 1,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2798% | 5,102 |
| Loan loss allowance to noncurrent loans | 10,116.6667% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 7,052 |
| Noncurrent loans to loans | 0.0127% | 6,920 |
| Net loans and leases to total assets | 66.1812% | 2,860 |
| Net loans and leases to deposits | 93.8212% | 851 |
| Net loans and leases to core deposits | 142.3904% | 170 |
| Total domestic deposits to total assets | 70.5397% | 7,012 |
| Equity capital to assets | 9.7568% | 4,692 |
| Core capital (leverage) ratio | 9.7515% | 3,769 |
| Tier 1 risk-based capital ratio | 13.1103% | 5,014 |
| Total risk-based capital ratio | 14.3032% | 5,029 |
| Memoranda: | ||
| Average total assets | $208,289,000 | 2,980 |
| Average earning assets | $193,526,000 | 2,940 |
| Average equity | $20,381,750 | 3,092 |
| Average total loans | $135,933,250 | 2,907 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5275% | 5,270 |
| Cost of funding earning assets | 1.1662% | 2,795 |
| Net interest margin | 3.3613% | 5,678 |
| Noninterest income to average assets | 0.2300% | 6,013 |
| Noninterest expense to average assets | 3.4092% | 2,230 |
| Loan and lease loss provision to assets | 0.0763% | 5,355 |
| Net operating income to assets | -0.0626% | 6,310 |
| Return on assets (ROA) | -0.0261% | 6,328 |
| Pretax return on assets | -0.0734% | 6,337 |
| Return on Equity (ROE) | -0.2664% | 6,331 |
| Retained earnings to average equity (ytd only) | -0.2664% | 5,897 |
| Net charge-offs to loans | -0.0045% | 6,576 |
| Credit loss provision to net charge-offs | -2,633.3333% | 6,709 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.6129% | 674 |
| Assets per employee ($millions) | 5.8390% | 1,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2795% | 5,152 |
| Loan loss allowance to noncurrent loans | 8,109.0909% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.0105% | 7,099 |
| Noncurrent loans to loans | 0.0158% | 6,961 |
| Net loans and leases to total assets | 65.4805% | 3,139 |
| Net loans and leases to deposits | 91.9606% | 1,065 |
| Net loans and leases to core deposits | 141.6784% | 179 |
| Total domestic deposits to total assets | 71.2050% | 7,050 |
| Equity capital to assets | 9.7401% | 4,482 |
| Core capital (leverage) ratio | 10.0272% | 3,232 |
| Tier 1 risk-based capital ratio | 13.2229% | 4,748 |
| Total risk-based capital ratio | 14.4116% | 4,775 |
| Memoranda: | ||
| Average total assets | $206,968,000 | 3,010 |
| Average earning assets | $192,425,000 | 2,964 |
| Average equity | $20,272,670 | 3,088 |
| Average total loans | $133,813,670 | 2,967 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4691% | 5,452 |
| Cost of funding earning assets | 1.2272% | 2,644 |
| Net interest margin | 3.2418% | 5,949 |
| Noninterest income to average assets | 0.2337% | 6,044 |
| Noninterest expense to average assets | 3.2315% | 2,772 |
| Loan and lease loss provision to assets | -0.0273% | 7,458 |
| Net operating income to assets | 0.0216% | 6,302 |
| Return on assets (ROA) | 0.0565% | 6,259 |
| Pretax return on assets | 0.0993% | 6,169 |
| Return on Equity (ROE) | 0.5751% | 6,250 |
| Retained earnings to average equity (ytd only) | 0.5751% | 5,602 |
| Net charge-offs to loans | -0.0031% | 6,199 |
| Credit loss provision to net charge-offs | 1,400.0000% | 286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4604% | 769 |
| Assets per employee ($millions) | 5.3086% | 1,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2795% | 5,234 |
| Loan loss allowance to noncurrent loans | 2,768.8525% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0302% | 7,093 |
| Noncurrent loans to loans | 0.0462% | 6,932 |
| Net loans and leases to total assets | 64.5979% | 3,334 |
| Net loans and leases to deposits | 90.7099% | 1,153 |
| Net loans and leases to core deposits | 139.5921% | 194 |
| Total domestic deposits to total assets | 71.2137% | 7,125 |
| Equity capital to assets | 9.9852% | 3,793 |
| Core capital (leverage) ratio | 9.9629% | 3,188 |
| Tier 1 risk-based capital ratio | 13.8900% | 4,146 |
| Total risk-based capital ratio | 15.0772% | 4,171 |
| Memoranda: | ||
| Average total assets | $205,350,500 | 3,044 |
| Average earning assets | $191,002,500 | 2,994 |
| Average equity | $20,172,000 | 3,082 |
| Average total loans | $131,007,500 | 3,048 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7746% | 5,511 |
| Cost of funding earning assets | 1.4323% | 3,059 |
| Net interest margin | 3.3422% | 5,826 |
| Noninterest income to average assets | 0.2552% | 5,974 |
| Noninterest expense to average assets | 3.2577% | 2,881 |
| Loan and lease loss provision to assets | 0.0658% | 6,487 |
| Net operating income to assets | 0.2346% | 5,160 |
| Return on assets (ROA) | 0.2994% | 5,109 |
| Pretax return on assets | 0.1405% | 5,619 |
| Return on Equity (ROE) | 2.8287% | 5,024 |
| Retained earnings to average equity (ytd only) | 2.8287% | 3,866 |
| Net charge-offs to loans | 0.0498% | 6,297 |
| Credit loss provision to net charge-offs | 198.4127% | 1,592 |
| Earnings coverage of net charge-offs (x) | 4.2698% | 2,991 |
| Efficiency ratio | 95.8366% | 979 |
| Assets per employee ($millions) | 5.6479% | 1,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3091% | 4,958 |
| Loan loss allowance to noncurrent loans | 5,318.7500% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0153% | 7,212 |
| Noncurrent loans to loans | 0.0246% | 7,075 |
| Net loans and leases to total assets | 61.4012% | 4,418 |
| Net loans and leases to deposits | 84.3076% | 2,404 |
| Net loans and leases to core deposits | 131.0135% | 316 |
| Total domestic deposits to total assets | 72.8300% | 7,012 |
| Equity capital to assets | 9.6668% | 4,194 |
| Core capital (leverage) ratio | 10.0395% | 3,042 |
| Tier 1 risk-based capital ratio | 14.0173% | 3,861 |
| Total risk-based capital ratio | 15.2263% | 3,854 |
| Memoranda: | ||
| Average total assets | $190,072,800 | 3,227 |
| Average earning assets | $178,802,000 | 3,138 |
| Average equity | $20,115,000 | 3,133 |
| Average total loans | $126,513,200 | 3,192 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8965% | 5,281 |
| Cost of funding earning assets | 1.4641% | 3,194 |
| Net interest margin | 3.4324% | 5,563 |
| Noninterest income to average assets | 0.2582% | 6,052 |
| Noninterest expense to average assets | 3.3320% | 2,476 |
| Loan and lease loss provision to assets | 0.0259% | 6,812 |
| Net operating income to assets | 0.2460% | 5,366 |
| Return on assets (ROA) | 0.3345% | 5,200 |
| Pretax return on assets | 0.2201% | 5,681 |
| Return on Equity (ROE) | 3.0855% | 5,186 |
| Retained earnings to average equity (ytd only) | 3.0855% | 4,276 |
| Net charge-offs to loans | 0.0382% | 6,175 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 6.0831% | 2,602 |
| Efficiency ratio | 95.4855% | 928 |
| Assets per employee ($millions) | 5.3740% | 1,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3092% | 4,907 |
| Loan loss allowance to noncurrent loans | 2,277.7778% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0372% | 7,263 |
| Noncurrent loans to loans | 0.0575% | 7,098 |
| Net loans and leases to total assets | 63.9001% | 4,147 |
| Net loans and leases to deposits | 90.2022% | 1,701 |
| Net loans and leases to core deposits | 153.2054% | 176 |
| Total domestic deposits to total assets | 70.8409% | 7,227 |
| Equity capital to assets | 10.5090% | 3,503 |
| Core capital (leverage) ratio | 10.4306% | 2,763 |
| Tier 1 risk-based capital ratio | 14.7995% | 3,345 |
| Total risk-based capital ratio | 16.0517% | 3,321 |
| Memoranda: | ||
| Average total assets | $185,347,750 | 3,339 |
| Average earning assets | $174,488,500 | 3,243 |
| Average equity | $20,093,500 | 3,179 |
| Average total loans | $125,638,000 | 3,254 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9496% | 5,179 |
| Cost of funding earning assets | 1.4837% | 3,349 |
| Net interest margin | 3.4659% | 5,383 |
| Noninterest income to average assets | 0.2595% | 6,062 |
| Noninterest expense to average assets | 3.3355% | 2,441 |
| Loan and lease loss provision to assets | 0.0252% | 6,687 |
| Net operating income to assets | 0.2968% | 5,193 |
| Return on assets (ROA) | 0.2968% | 5,342 |
| Pretax return on assets | 0.1577% | 5,869 |
| Return on Equity (ROE) | 2.7081% | 5,365 |
| Retained earnings to average equity (ytd only) | 2.7081% | 4,411 |
| Net charge-offs to loans | 0.0254% | 5,980 |
| Credit loss provision to net charge-offs | 143.7500% | 2,764 |
| Earnings coverage of net charge-offs (x) | 10.4375% | 1,889 |
| Efficiency ratio | 94.8024% | 1,018 |
| Assets per employee ($millions) | 5.1810% | 1,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3091% | 4,860 |
| Loan loss allowance to noncurrent loans | 2,889.4737% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0306% | 7,322 |
| Noncurrent loans to loans | 0.0453% | 7,201 |
| Net loans and leases to total assets | 66.5691% | 3,720 |
| Net loans and leases to deposits | 94.4801% | 1,211 |
| Net loans and leases to core deposits | 158.6573% | 171 |
| Total domestic deposits to total assets | 70.4583% | 7,297 |
| Equity capital to assets | 10.8093% | 3,066 |
| Core capital (leverage) ratio | 10.6257% | 2,521 |
| Tier 1 risk-based capital ratio | 14.6167% | 3,374 |
| Total risk-based capital ratio | 15.8606% | 3,351 |
| Memoranda: | ||
| Average total assets | $182,642,670 | 3,404 |
| Average earning assets | $171,732,330 | 3,313 |
| Average equity | $20,014,330 | 3,170 |
| Average total loans | $125,763,000 | 3,286 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9382% | 5,278 |
| Cost of funding earning assets | 1.4459% | 3,902 |
| Net interest margin | 3.4923% | 5,194 |
| Noninterest income to average assets | 0.2590% | 6,077 |
| Noninterest expense to average assets | 3.2849% | 2,577 |
| Loan and lease loss provision to assets | 0.0642% | 5,997 |
| Net operating income to assets | 0.3564% | 5,046 |
| Return on assets (ROA) | 0.3564% | 5,173 |
| Pretax return on assets | 0.1926% | 5,892 |
| Return on Equity (ROE) | 3.2295% | 5,238 |
| Retained earnings to average equity (ytd only) | 3.2295% | 4,214 |
| Net charge-offs to loans | 0.0509% | 4,894 |
| Credit loss provision to net charge-offs | 181.2500% | 2,023 |
| Earnings coverage of net charge-offs (x) | 7.2500% | 2,113 |
| Efficiency ratio | 92.7500% | 1,222 |
| Assets per employee ($millions) | 5.3744% | 1,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3091% | 4,882 |
| Loan loss allowance to noncurrent loans | 7,186.9565% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.0122% | 7,467 |
| Noncurrent loans to loans | 0.0182% | 7,372 |
| Net loans and leases to total assets | 66.2476% | 3,797 |
| Net loans and leases to deposits | 93.5478% | 1,398 |
| Net loans and leases to core deposits | 126.3088% | 574 |
| Total domestic deposits to total assets | 70.8168% | 7,354 |
| Equity capital to assets | 10.6451% | 3,096 |
| Core capital (leverage) ratio | 10.5934% | 2,541 |
| Tier 1 risk-based capital ratio | 14.2969% | 3,492 |
| Total risk-based capital ratio | 15.5232% | 3,469 |
| Memoranda: | ||
| Average total assets | $180,706,000 | 3,488 |
| Average earning assets | $169,861,000 | 3,403 |
| Average equity | $19,941,000 | 3,210 |
| Average total loans | $125,740,000 | 3,352 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4455% | 4,461 |
| Cost of funding earning assets | 1.4562% | 5,693 |
| Net interest margin | 3.9893% | 2,900 |
| Noninterest income to average assets | 0.2574% | 6,270 |
| Noninterest expense to average assets | 3.8158% | 1,670 |
| Loan and lease loss provision to assets | 0.1912% | 5,813 |
| Net operating income to assets | 0.3881% | 4,172 |
| Return on assets (ROA) | 0.3881% | 4,276 |
| Pretax return on assets | 0.0370% | 5,356 |
| Return on Equity (ROE) | 3.1299% | 4,450 |
| Retained earnings to average equity (ytd only) | 3.1299% | 2,967 |
| Net charge-offs to loans | 0.0950% | 6,185 |
| Credit loss provision to net charge-offs | 256.4103% | 1,372 |
| Earnings coverage of net charge-offs (x) | 3.0598% | 3,539 |
| Efficiency ratio | 94.3587% | 1,391 |
| Assets per employee ($millions) | 4.8141% | 2,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3090% | 4,702 |
| Loan loss allowance to noncurrent loans | 4,552.7778% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0208% | 7,473 |
| Noncurrent loans to loans | 0.0288% | 7,363 |
| Net loans and leases to total assets | 71.3029% | 2,926 |
| Net loans and leases to deposits | 103.4846% | 672 |
| Net loans and leases to core deposits | 151.4394% | 479 |
| Total domestic deposits to total assets | 68.9020% | 7,494 |
| Equity capital to assets | 11.4583% | 2,345 |
| Core capital (leverage) ratio | 10.5674% | 2,537 |
| Tier 1 risk-based capital ratio | 14.5420% | 3,180 |
| Total risk-based capital ratio | 15.7803% | 3,145 |
| Memoranda: | ||
| Average total assets | $156,928,200 | 3,835 |
| Average earning assets | $148,949,800 | 3,735 |
| Average equity | $19,457,800 | 3,284 |
| Average total loans | $123,178,600 | 3,416 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4566% | 4,652 |
| Cost of funding earning assets | 1.4363% | 6,101 |
| Net interest margin | 4.0203% | 2,723 |
| Noninterest income to average assets | 0.2521% | 6,428 |
| Noninterest expense to average assets | 3.9292% | 1,384 |
| Loan and lease loss provision to assets | 0.2635% | 4,852 |
| Net operating income to assets | 0.3036% | 4,778 |
| Return on assets (ROA) | 0.3036% | 4,883 |
| Pretax return on assets | -0.1117% | 5,856 |
| Return on Equity (ROE) | 2.3969% | 5,026 |
| Retained earnings to average equity (ytd only) | 2.3969% | 3,981 |
| Net charge-offs to loans | 0.0511% | 6,198 |
| Credit loss provision to net charge-offs | 642.5532% | 583 |
| Earnings coverage of net charge-offs (x) | 3.7018% | 3,412 |
| Efficiency ratio | 96.2805% | 1,260 |
| Assets per employee ($millions) | 4.4001% | 3,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3496% | 4,204 |
| Loan loss allowance to noncurrent loans | 2,343.8356% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0474% | 7,448 |
| Noncurrent loans to loans | 0.0576% | 7,358 |
| Net loans and leases to total assets | 81.2096% | 946 |
| Net loans and leases to deposits | 104.8587% | 716 |
| Net loans and leases to core deposits | 144.4213% | 749 |
| Total domestic deposits to total assets | 77.4467% | 6,229 |
| Equity capital to assets | 12.7192% | 1,819 |
| Core capital (leverage) ratio | 11.5433% | 2,052 |
| Tier 1 risk-based capital ratio | 14.6598% | 3,197 |
| Total risk-based capital ratio | 15.9129% | 3,141 |
| Memoranda: | ||
| Average total assets | $152,833,500 | 3,935 |
| Average earning assets | $145,557,500 | 3,806 |
| Average equity | $19,357,750 | 3,333 |
| Average total loans | $122,670,250 | 3,455 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3392% | 5,452 |
| Cost of funding earning assets | 1.3937% | 6,502 |
| Net interest margin | 3.9455% | 2,908 |
| Noninterest income to average assets | 0.2270% | 6,663 |
| Noninterest expense to average assets | 3.8821% | 1,515 |
| Loan and lease loss provision to assets | 0.3595% | 3,769 |
| Net operating income to assets | 0.1692% | 5,357 |
| Return on assets (ROA) | 0.1692% | 5,463 |
| Pretax return on assets | -0.2598% | 6,187 |
| Return on Equity (ROE) | 1.3381% | 5,523 |
| Retained earnings to average equity (ytd only) | 1.3381% | 4,596 |
| Net charge-offs to loans | 0.0313% | 6,022 |
| Credit loss provision to net charge-offs | 1,442.1053% | 356 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 3,243 |
| Efficiency ratio | 97.4959% | 1,292 |
| Assets per employee ($millions) | 4.7494% | 2,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3642% | 3,913 |
| Loan loss allowance to noncurrent loans | 3,493.8776% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0313% | 7,537 |
| Noncurrent loans to loans | 0.0390% | 7,443 |
| Net loans and leases to total assets | 78.9798% | 1,528 |
| Net loans and leases to deposits | 118.0175% | 276 |
| Net loans and leases to core deposits | 156.5432% | 506 |
| Total domestic deposits to total assets | 66.9221% | 7,685 |
| Equity capital to assets | 12.3537% | 2,005 |
| Core capital (leverage) ratio | 12.7391% | 1,524 |
| Tier 1 risk-based capital ratio | 14.4113% | 3,299 |
| Total risk-based capital ratio | 15.6625% | 3,234 |
| Memoranda: | ||
| Average total assets | $152,443,330 | 3,956 |
| Average earning assets | $145,077,000 | 3,840 |
| Average equity | $19,281,000 | 3,357 |
| Average total loans | $121,301,330 | 3,510 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3964% | 5,444 |
| Cost of funding earning assets | 1.4420% | 6,605 |
| Net interest margin | 3.9544% | 2,839 |
| Noninterest income to average assets | 0.2129% | 6,773 |
| Noninterest expense to average assets | 3.8510% | 1,379 |
| Loan and lease loss provision to assets | 0.3726% | 3,089 |
| Net operating income to assets | 0.1038% | 5,970 |
| Return on assets (ROA) | 0.1038% | 6,135 |
| Pretax return on assets | -0.2448% | 6,617 |
| Return on Equity (ROE) | 0.8108% | 6,187 |
| Retained earnings to average equity (ytd only) | 0.8108% | 5,337 |
| Net charge-offs to loans | 0.0470% | 4,822 |
| Credit loss provision to net charge-offs | 1,000.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 3.4286% | 3,183 |
| Efficiency ratio | 96.7893% | 1,278 |
| Assets per employee ($millions) | 4.4828% | 2,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3449% | 3,826 |
| Loan loss allowance to noncurrent loans | 6,882.6087% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.0155% | 7,589 |
| Noncurrent loans to loans | 0.0195% | 7,504 |
| Net loans and leases to total assets | 78.4924% | 1,701 |
| Net loans and leases to deposits | 118.5279% | 322 |
| Net loans and leases to core deposits | 154.0115% | 600 |
| Total domestic deposits to total assets | 66.2228% | 7,720 |
| Equity capital to assets | 13.0220% | 1,732 |
| Core capital (leverage) ratio | 12.9152% | 1,510 |
| Tier 1 risk-based capital ratio | 15.0739% | 3,030 |
| Total risk-based capital ratio | 16.3238% | 2,973 |
| Memoranda: | ||
| Average total assets | $150,300,000 | 4,007 |
| Average earning assets | $143,133,500 | 3,893 |
| Average equity | $19,240,500 | 3,383 |
| Average total loans | $119,203,500 | 3,576 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8787% | 6,142 |
| Cost of funding earning assets | 1.9303% | 6,640 |
| Net interest margin | 3.9484% | 3,369 |
| Noninterest income to average assets | 0.2576% | 6,605 |
| Noninterest expense to average assets | 3.7898% | 1,773 |
| Loan and lease loss provision to assets | 0.0357% | 6,959 |
| Net operating income to assets | 0.3940% | 5,174 |
| Return on assets (ROA) | 0.3940% | 4,990 |
| Pretax return on assets | 0.2177% | 5,691 |
| Return on Equity (ROE) | 2.9326% | 5,259 |
| Retained earnings to average equity (ytd only) | 2.9326% | 3,350 |
| Net charge-offs to loans | 0.0462% | 6,124 |
| Credit loss provision to net charge-offs | 90.9091% | 5,657 |
| Earnings coverage of net charge-offs (x) | 6.4545% | 3,356 |
| Efficiency ratio | 93.7335% | 1,291 |
| Assets per employee ($millions) | 5.0889% | 1,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2071% | 4,476 |
| Loan loss allowance to noncurrent loans | 6,334.7826% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 7,548 |
| Noncurrent loans to loans | 0.0191% | 7,445 |
| Net loans and leases to total assets | 78.1117% | 2,105 |
| Net loans and leases to deposits | 121.1275% | 362 |
| Net loans and leases to core deposits | 153.3624% | 738 |
| Total domestic deposits to total assets | 64.4872% | 7,756 |
| Equity capital to assets | 12.5876% | 1,971 |
| Core capital (leverage) ratio | 13.6569% | 1,344 |
| Tier 1 risk-based capital ratio | 14.7486% | 3,175 |
| Total risk-based capital ratio | 15.8954% | 3,150 |
| Memoranda: | ||
| Average total assets | $140,114,600 | 4,081 |
| Average earning assets | $134,331,400 | 3,966 |
| Average equity | $18,822,600 | 3,425 |
| Average total loans | $119,175,200 | 3,485 |