Home > Bank of the Orient > Performance and Condition Ratios
Bank of the Orient, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1908% | 501 |
| Cost of funding earning assets | 1.8168% | 1,222 |
| Net interest margin | 4.3740% | 730 |
| Noninterest income to average assets | 0.1400% | 4,103 |
| Noninterest expense to average assets | 2.4913% | 2,323 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.2259% | 1,589 |
| Return on assets (ROA) | 1.2259% | 1,565 |
| Pretax return on assets | 1.7967% | 893 |
| Return on Equity (ROE) | 8.5400% | 2,881 |
| Retained earnings to average equity (ytd only) | 8.5363% | 1,383 |
| Net charge-offs to loans | -0.0051% | 3,834 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 58.0992% | 3,287 |
| Assets per employee ($millions) | 8.7648% | 1,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9607% | 407 |
| Loan loss allowance to noncurrent loans | 6,573.3010% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.0233% | 3,555 |
| Noncurrent loans to loans | 0.0298% | 3,526 |
| Net loans and leases to total assets | 76.4800% | 1,057 |
| Net loans and leases to deposits | 95.4647% | 829 |
| Net loans and leases to core deposits | 115.0501% | 780 |
| Total domestic deposits to total assets | 80.0700% | 3,450 |
| Equity capital to assets | 14.5378% | 598 |
| Core capital (leverage) ratio | 14.8003% | 655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $860,070,800 | 1,120 |
| Average earning assets | $814,967,400 | 1,094 |
| Average equity | $123,519,800 | 802 |
| Average total loans | $680,219,800 | 985 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1122% | 464 |
| Cost of funding earning assets | 1.6165% | 1,336 |
| Net interest margin | 4.4957% | 618 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 2.4975% | 2,237 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3702% | 1,382 |
| Return on assets (ROA) | 1.3702% | 1,366 |
| Pretax return on assets | 1.9299% | 832 |
| Return on Equity (ROE) | 9.5700% | 2,778 |
| Retained earnings to average equity (ytd only) | 9.5711% | 1,528 |
| Net charge-offs to loans | -0.0069% | 3,828 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 56.4107% | 3,369 |
| Assets per employee ($millions) | 8.8516% | 984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9835% | 400 |
| Loan loss allowance to noncurrent loans | 6,047.0852% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0254% | 3,555 |
| Noncurrent loans to loans | 0.0328% | 3,534 |
| Net loans and leases to total assets | 76.0400% | 1,116 |
| Net loans and leases to deposits | 94.8485% | 831 |
| Net loans and leases to core deposits | 113.1311% | 766 |
| Total domestic deposits to total assets | 80.1400% | 3,508 |
| Equity capital to assets | 14.3630% | 601 |
| Core capital (leverage) ratio | 14.6886% | 681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $853,778,500 | 1,130 |
| Average earning assets | $809,443,250 | 1,100 |
| Average equity | $122,226,250 | 805 |
| Average total loans | $677,623,750 | 987 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9963% | 442 |
| Cost of funding earning assets | 1.3904% | 1,472 |
| Net interest margin | 4.6059% | 518 |
| Noninterest income to average assets | 0.0900% | 4,358 |
| Noninterest expense to average assets | 2.4727% | 2,283 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4085% | 1,305 |
| Return on assets (ROA) | 1.4085% | 1,289 |
| Pretax return on assets | 1.9838% | 764 |
| Return on Equity (ROE) | 9.8500% | 2,753 |
| Retained earnings to average equity (ytd only) | 9.8501% | 1,447 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.4860% | 3,476 |
| Assets per employee ($millions) | 9.1876% | 857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9788% | 433 |
| Loan loss allowance to noncurrent loans | 5,408.8353% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.0291% | 3,498 |
| Noncurrent loans to loans | 0.0366% | 3,473 |
| Net loans and leases to total assets | 78.0800% | 823 |
| Net loans and leases to deposits | 96.9135% | 676 |
| Net loans and leases to core deposits | 115.7044% | 634 |
| Total domestic deposits to total assets | 80.5100% | 3,501 |
| Equity capital to assets | 14.4806% | 581 |
| Core capital (leverage) ratio | 14.6508% | 638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $846,268,667 | 1,132 |
| Average earning assets | $802,355,000 | 1,099 |
| Average equity | $121,013,667 | 806 |
| Average total loans | $676,875,333 | 980 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8598% | 386 |
| Cost of funding earning assets | 1.1351% | 1,648 |
| Net interest margin | 4.7248% | 422 |
| Noninterest income to average assets | 0.0900% | 4,407 |
| Noninterest expense to average assets | 2.4684% | 2,326 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4871% | 1,214 |
| Return on assets (ROA) | 1.4871% | 1,192 |
| Pretax return on assets | 2.0960% | 659 |
| Return on Equity (ROE) | 10.4700% | 2,641 |
| Retained earnings to average equity (ytd only) | 10.4667% | 1,586 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.0791% | 3,594 |
| Assets per employee ($millions) | 8.8275% | 1,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9856% | 454 |
| Loan loss allowance to noncurrent loans | 1,332.8032% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.1200% | 2,674 |
| Noncurrent loans to loans | 0.1490% | 2,747 |
| Net loans and leases to total assets | 78.9200% | 655 |
| Net loans and leases to deposits | 97.8321% | 547 |
| Net loans and leases to core deposits | 115.9603% | 538 |
| Total domestic deposits to total assets | 80.6100% | 3,691 |
| Equity capital to assets | 14.4776% | 535 |
| Core capital (leverage) ratio | 14.4876% | 660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $842,179,500 | 1,148 |
| Average earning assets | $797,496,500 | 1,116 |
| Average equity | $119,656,000 | 822 |
| Average total loans | $675,012,000 | 991 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4736% | 760 |
| Cost of funding earning assets | 0.4172% | 1,967 |
| Net interest margin | 4.0564% | 722 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 2.4966% | 2,129 |
| Loan and lease loss provision to assets | -0.2300% | 4,642 |
| Net operating income to assets | 1.3773% | 1,183 |
| Return on assets (ROA) | 1.3773% | 1,141 |
| Pretax return on assets | 1.9815% | 497 |
| Return on Equity (ROE) | 10.6200% | 2,604 |
| Retained earnings to average equity (ytd only) | 10.6209% | 977 |
| Net charge-offs to loans | -0.0129% | 3,912 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.7556% | 3,225 |
| Assets per employee ($millions) | 8.5429% | 1,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1243% | 344 |
| Loan loss allowance to noncurrent loans | 3,592.4812% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.0472% | 3,339 |
| Noncurrent loans to loans | 0.0591% | 3,332 |
| Net loans and leases to total assets | 78.0900% | 789 |
| Net loans and leases to deposits | 95.9146% | 645 |
| Net loans and leases to core deposits | 111.3029% | 568 |
| Total domestic deposits to total assets | 81.3300% | 3,719 |
| Equity capital to assets | 13.9405% | 583 |
| Core capital (leverage) ratio | 14.1218% | 705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $872,623,800 | 1,110 |
| Average earning assets | $826,291,400 | 1,078 |
| Average equity | $113,163,800 | 860 |
| Average total loans | $688,492,400 | 921 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1361% | 997 |
| Cost of funding earning assets | 0.3171% | 1,995 |
| Net interest margin | 3.8190% | 922 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 2.5170% | 1,964 |
| Loan and lease loss provision to assets | -0.1400% | 4,624 |
| Net operating income to assets | 1.2556% | 1,506 |
| Return on assets (ROA) | 1.2556% | 1,476 |
| Pretax return on assets | 1.7511% | 810 |
| Return on Equity (ROE) | 9.8600% | 2,774 |
| Retained earnings to average equity (ytd only) | 9.8599% | 1,393 |
| Net charge-offs to loans | -0.0171% | 3,936 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.9197% | 2,989 |
| Assets per employee ($millions) | 8.3909% | 1,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2455% | 323 |
| Loan loss allowance to noncurrent loans | 242.2763% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.7516% | 672 |
| Noncurrent loans to loans | 0.9268% | 845 |
| Net loans and leases to total assets | 79.2800% | 595 |
| Net loans and leases to deposits | 96.6102% | 527 |
| Net loans and leases to core deposits | 109.6265% | 483 |
| Total domestic deposits to total assets | 81.9200% | 3,850 |
| Equity capital to assets | 13.4434% | 621 |
| Core capital (leverage) ratio | 13.4529% | 787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $879,343,000 | 1,103 |
| Average earning assets | $832,875,750 | 1,077 |
| Average equity | $111,979,500 | 887 |
| Average total loans | $691,925,250 | 914 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8661% | 1,179 |
| Cost of funding earning assets | 0.2685% | 2,046 |
| Net interest margin | 3.5976% | 1,074 |
| Noninterest income to average assets | 0.7070% | 1,308 |
| Noninterest expense to average assets | 2.4385% | 2,120 |
| Loan and lease loss provision to assets | -0.1346% | 4,638 |
| Net operating income to assets | 1.3012% | 1,136 |
| Return on assets (ROA) | 1.3012% | 1,116 |
| Pretax return on assets | 1.8149% | 576 |
| Return on Equity (ROE) | 10.4016% | 2,191 |
| Retained earnings to average equity (ytd only) | 10.4016% | 925 |
| Net charge-offs to loans | -0.0257% | 3,988 |
| Credit loss provision to net charge-offs | 673.0337% | 528 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2045% | 3,413 |
| Assets per employee ($millions) | 8.3020% | 1,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2774% | 339 |
| Loan loss allowance to noncurrent loans | 288.3086% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.6382% | 866 |
| Noncurrent loans to loans | 0.7899% | 1,088 |
| Net loans and leases to total assets | 78.9484% | 486 |
| Net loans and leases to deposits | 95.8373% | 439 |
| Net loans and leases to core deposits | 106.7899% | 424 |
| Total domestic deposits to total assets | 82.3319% | 3,962 |
| Equity capital to assets | 13.1877% | 633 |
| Core capital (leverage) ratio | 13.1207% | 788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $889,964,667 | 1,086 |
| Average earning assets | $844,008,667 | 1,071 |
| Average equity | $111,329,333 | 898 |
| Average total loans | $693,467,000 | 898 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6956% | 1,280 |
| Cost of funding earning assets | 0.2568% | 2,075 |
| Net interest margin | 3.4388% | 1,210 |
| Noninterest income to average assets | 1.3022% | 425 |
| Noninterest expense to average assets | 2.3796% | 2,234 |
| Loan and lease loss provision to assets | -0.1322% | 4,628 |
| Net operating income to assets | 1.6637% | 442 |
| Return on assets (ROA) | 1.6637% | 445 |
| Pretax return on assets | 2.3196% | 226 |
| Return on Equity (ROE) | 13.6480% | 902 |
| Retained earnings to average equity (ytd only) | 13.6480% | 404 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1042% | 4,194 |
| Assets per employee ($millions) | 8.5962% | 1,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3093% | 367 |
| Loan loss allowance to noncurrent loans | 288.8748% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.6357% | 942 |
| Noncurrent loans to loans | 0.7994% | 1,186 |
| Net loans and leases to total assets | 77.6812% | 398 |
| Net loans and leases to deposits | 94.1207% | 358 |
| Net loans and leases to core deposits | 103.8317% | 404 |
| Total domestic deposits to total assets | 82.4861% | 4,020 |
| Equity capital to assets | 12.8916% | 712 |
| Core capital (leverage) ratio | 12.7713% | 822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $907,392,000 | 1,073 |
| Average earning assets | $861,458,500 | 1,054 |
| Average equity | $110,609,500 | 926 |
| Average total loans | $694,786,000 | 882 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7136% | 2,070 |
| Cost of funding earning assets | 0.4020% | 1,530 |
| Net interest margin | 3.3117% | 2,283 |
| Noninterest income to average assets | 0.2211% | 4,046 |
| Noninterest expense to average assets | 2.3665% | 2,594 |
| Loan and lease loss provision to assets | -0.1170% | 4,573 |
| Net operating income to assets | 0.7718% | 3,415 |
| Return on assets (ROA) | 0.7718% | 3,480 |
| Pretax return on assets | 1.0809% | 3,030 |
| Return on Equity (ROE) | 6.8143% | 3,562 |
| Retained earnings to average equity (ytd only) | 6.8143% | 1,995 |
| Net charge-offs to loans | 0.0546% | 1,245 |
| Credit loss provision to net charge-offs | -286.8421% | 3,603 |
| Earnings coverage of net charge-offs (x) | 23.6237% | 1,768 |
| Efficiency ratio | 71.0587% | 1,607 |
| Assets per employee ($millions) | 9.1016% | 888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3231% | 371 |
| Loan loss allowance to noncurrent loans | 1,183.0299% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.1451% | 2,926 |
| Noncurrent loans to loans | 0.1964% | 2,965 |
| Net loans and leases to total assets | 72.1496% | 832 |
| Net loans and leases to deposits | 85.7015% | 810 |
| Net loans and leases to core deposits | 93.4704% | 808 |
| Total domestic deposits to total assets | 84.1277% | 3,526 |
| Equity capital to assets | 11.5461% | 1,485 |
| Core capital (leverage) ratio | 11.4243% | 1,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $931,380,000 | 1,019 |
| Average earning assets | $874,454,200 | 1,004 |
| Average equity | $105,484,200 | 968 |
| Average total loans | $695,861,600 | 883 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7328% | 2,189 |
| Cost of funding earning assets | 0.4441% | 1,392 |
| Net interest margin | 3.2887% | 2,447 |
| Noninterest income to average assets | 0.2337% | 3,996 |
| Noninterest expense to average assets | 2.3888% | 2,473 |
| Loan and lease loss provision to assets | -0.1006% | 4,607 |
| Net operating income to assets | 0.7390% | 3,677 |
| Return on assets (ROA) | 0.7390% | 3,740 |
| Pretax return on assets | 1.0227% | 3,387 |
| Return on Equity (ROE) | 6.5573% | 3,782 |
| Retained earnings to average equity (ytd only) | 6.5573% | 2,596 |
| Net charge-offs to loans | 0.0909% | 793 |
| Credit loss provision to net charge-offs | -147.6793% | 3,316 |
| Earnings coverage of net charge-offs (x) | 13.5338% | 1,920 |
| Efficiency ratio | 72.1499% | 1,390 |
| Assets per employee ($millions) | 8.7974% | 956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3669% | 353 |
| Loan loss allowance to noncurrent loans | 268.2290% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.6612% | 1,140 |
| Noncurrent loans to loans | 0.8824% | 1,300 |
| Net loans and leases to total assets | 73.1572% | 759 |
| Net loans and leases to deposits | 86.6631% | 789 |
| Net loans and leases to core deposits | 94.4778% | 810 |
| Total domestic deposits to total assets | 84.3662% | 3,347 |
| Equity capital to assets | 11.4988% | 1,680 |
| Core capital (leverage) ratio | 11.3901% | 1,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $927,582,750 | 1,027 |
| Average earning assets | $867,924,000 | 1,020 |
| Average equity | $104,532,250 | 992 |
| Average total loans | $695,029,750 | 901 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7377% | 2,237 |
| Cost of funding earning assets | 0.5225% | 1,078 |
| Net interest margin | 3.2152% | 2,711 |
| Noninterest income to average assets | 0.1942% | 4,226 |
| Noninterest expense to average assets | 2.4159% | 2,409 |
| Loan and lease loss provision to assets | -0.1080% | 4,637 |
| Net operating income to assets | 0.6357% | 3,908 |
| Return on assets (ROA) | 0.6357% | 3,967 |
| Pretax return on assets | 0.8798% | 3,702 |
| Return on Equity (ROE) | 5.6796% | 3,982 |
| Retained earnings to average equity (ytd only) | 5.6796% | 2,929 |
| Net charge-offs to loans | 0.1366% | 583 |
| Credit loss provision to net charge-offs | -105.4852% | 3,069 |
| Earnings coverage of net charge-offs (x) | 7.5380% | 1,917 |
| Efficiency ratio | 75.7894% | 1,102 |
| Assets per employee ($millions) | 8.7353% | 937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4718% | 287 |
| Loan loss allowance to noncurrent loans | 247.0701% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.7387% | 1,111 |
| Noncurrent loans to loans | 1.0004% | 1,229 |
| Net loans and leases to total assets | 72.0084% | 965 |
| Net loans and leases to deposits | 85.3868% | 950 |
| Net loans and leases to core deposits | 93.1291% | 947 |
| Total domestic deposits to total assets | 84.2868% | 3,344 |
| Equity capital to assets | 11.4655% | 1,657 |
| Core capital (leverage) ratio | 11.1658% | 1,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $925,935,333 | 1,026 |
| Average earning assets | $862,084,333 | 1,019 |
| Average equity | $103,633,333 | 992 |
| Average total loans | $693,790,333 | 906 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8213% | 2,040 |
| Cost of funding earning assets | 0.6080% | 847 |
| Net interest margin | 3.2132% | 2,653 |
| Noninterest income to average assets | 0.0856% | 4,744 |
| Noninterest expense to average assets | 2.3893% | 2,524 |
| Loan and lease loss provision to assets | -0.1290% | 4,753 |
| Net operating income to assets | 0.5925% | 3,962 |
| Return on assets (ROA) | 0.5925% | 4,023 |
| Pretax return on assets | 0.8200% | 3,773 |
| Return on Equity (ROE) | 5.3583% | 4,016 |
| Retained earnings to average equity (ytd only) | 5.3583% | 3,109 |
| Net charge-offs to loans | -0.3527% | 4,867 |
| Credit loss provision to net charge-offs | 48.4653% | 1,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5684% | 989 |
| Assets per employee ($millions) | 8.8885% | 867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5917% | 228 |
| Loan loss allowance to noncurrent loans | 188.9949% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 1.0223% | 801 |
| Noncurrent loans to loans | 1.3713% | 925 |
| Net loans and leases to total assets | 72.6172% | 940 |
| Net loans and leases to deposits | 85.9878% | 963 |
| Net loans and leases to core deposits | 93.7084% | 1,002 |
| Total domestic deposits to total assets | 84.3920% | 3,313 |
| Equity capital to assets | 11.0726% | 1,811 |
| Core capital (leverage) ratio | 10.9512% | 1,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $930,299,500 | 1,011 |
| Average earning assets | $867,038,000 | 1,007 |
| Average equity | $102,869,000 | 987 |
| Average total loans | $702,083,000 | 898 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1937% | 2,155 |
| Cost of funding earning assets | 0.9680% | 673 |
| Net interest margin | 3.2257% | 3,284 |
| Noninterest income to average assets | 0.8343% | 1,442 |
| Noninterest expense to average assets | 2.4233% | 3,079 |
| Loan and lease loss provision to assets | 0.1044% | 3,030 |
| Net operating income to assets | 0.9907% | 2,329 |
| Return on assets (ROA) | 0.9908% | 2,470 |
| Pretax return on assets | 1.3605% | 1,781 |
| Return on Equity (ROE) | 9.3940% | 2,245 |
| Retained earnings to average equity (ytd only) | 9.3940% | 696 |
| Net charge-offs to loans | -0.1836% | 4,884 |
| Credit loss provision to net charge-offs | -71.4919% | 3,709 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3270% | 3,072 |
| Assets per employee ($millions) | 8.3541% | 923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5004% | 264 |
| Loan loss allowance to noncurrent loans | 145.0815% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 1.3166% | 609 |
| Noncurrent loans to loans | 1.7235% | 735 |
| Net loans and leases to total assets | 74.4835% | 958 |
| Net loans and leases to deposits | 88.2330% | 1,066 |
| Net loans and leases to core deposits | 96.2287% | 1,106 |
| Total domestic deposits to total assets | 84.3727% | 2,990 |
| Equity capital to assets | 11.0425% | 2,217 |
| Core capital (leverage) ratio | 10.8490% | 1,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $927,331,800 | 944 |
| Average earning assets | $877,880,600 | 927 |
| Average equity | $97,806,800 | 979 |
| Average total loans | $737,553,800 | 842 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2467% | 2,258 |
| Cost of funding earning assets | 1.0411% | 659 |
| Net interest margin | 3.2056% | 3,478 |
| Noninterest income to average assets | 1.0778% | 898 |
| Noninterest expense to average assets | 2.4609% | 2,960 |
| Loan and lease loss provision to assets | 0.1492% | 2,533 |
| Net operating income to assets | 1.0861% | 2,034 |
| Return on assets (ROA) | 1.0862% | 2,160 |
| Pretax return on assets | 1.5153% | 1,420 |
| Return on Equity (ROE) | 10.4213% | 1,867 |
| Retained earnings to average equity (ytd only) | 10.4213% | 684 |
| Net charge-offs to loans | -0.2157% | 4,932 |
| Credit loss provision to net charge-offs | -86.1411% | 3,568 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6543% | 3,436 |
| Assets per employee ($millions) | 7.6366% | 1,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3958% | 264 |
| Loan loss allowance to noncurrent loans | 145.5634% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 1.3004% | 728 |
| Noncurrent loans to loans | 1.6459% | 847 |
| Net loans and leases to total assets | 77.1147% | 946 |
| Net loans and leases to deposits | 90.9780% | 1,164 |
| Net loans and leases to core deposits | 100.7842% | 1,105 |
| Total domestic deposits to total assets | 84.7080% | 2,547 |
| Equity capital to assets | 10.7880% | 2,556 |
| Core capital (leverage) ratio | 10.4786% | 2,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $927,338,250 | 934 |
| Average earning assets | $881,608,750 | 907 |
| Average equity | $96,659,000 | 978 |
| Average total loans | $744,841,500 | 827 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3881% | 2,246 |
| Cost of funding earning assets | 1.1394% | 632 |
| Net interest margin | 3.2487% | 3,531 |
| Noninterest income to average assets | 1.5738% | 417 |
| Noninterest expense to average assets | 2.4772% | 3,030 |
| Loan and lease loss provision to assets | 0.3409% | 1,255 |
| Net operating income to assets | 1.3345% | 1,264 |
| Return on assets (ROA) | 1.3347% | 1,364 |
| Pretax return on assets | 1.8540% | 731 |
| Return on Equity (ROE) | 12.9571% | 1,108 |
| Retained earnings to average equity (ytd only) | 12.9571% | 357 |
| Net charge-offs to loans | 0.0554% | 1,706 |
| Credit loss provision to net charge-offs | 762.3188% | 943 |
| Earnings coverage of net charge-offs (x) | 49.0821% | 1,113 |
| Efficiency ratio | 53.0239% | 4,277 |
| Assets per employee ($millions) | 7.4087% | 1,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2476% | 312 |
| Loan loss allowance to noncurrent loans | 153.9493% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 1.1392% | 980 |
| Noncurrent loans to loans | 1.4599% | 1,048 |
| Net loans and leases to total assets | 76.2798% | 1,091 |
| Net loans and leases to deposits | 89.4171% | 1,404 |
| Net loans and leases to core deposits | 103.9054% | 1,011 |
| Total domestic deposits to total assets | 85.2318% | 2,295 |
| Equity capital to assets | 10.3562% | 2,880 |
| Core capital (leverage) ratio | 10.2065% | 2,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $925,896,667 | 920 |
| Average earning assets | $882,934,667 | 886 |
| Average equity | $95,376,000 | 980 |
| Average total loans | $747,760,667 | 813 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7106% | 1,677 |
| Cost of funding earning assets | 1.2754% | 608 |
| Net interest margin | 3.4352% | 3,198 |
| Noninterest income to average assets | 0.1120% | 4,784 |
| Noninterest expense to average assets | 2.4374% | 3,455 |
| Loan and lease loss provision to assets | 0.0922% | 2,533 |
| Net operating income to assets | 0.6561% | 3,429 |
| Return on assets (ROA) | 0.6564% | 3,485 |
| Pretax return on assets | 0.8694% | 3,226 |
| Return on Equity (ROE) | 6.3905% | 3,179 |
| Retained earnings to average equity (ytd only) | 6.3905% | 1,754 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7183% | 2,123 |
| Assets per employee ($millions) | 6.7726% | 1,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0846% | 442 |
| Loan loss allowance to noncurrent loans | 134.6307% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 1.2489% | 972 |
| Noncurrent loans to loans | 1.5484% | 1,019 |
| Net loans and leases to total assets | 78.9775% | 827 |
| Net loans and leases to deposits | 91.0388% | 1,403 |
| Net loans and leases to core deposits | 106.4477% | 1,030 |
| Total domestic deposits to total assets | 86.5992% | 1,737 |
| Equity capital to assets | 10.1733% | 3,627 |
| Core capital (leverage) ratio | 9.7294% | 3,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $910,986,000 | 903 |
| Average earning assets | $871,563,000 | 874 |
| Average equity | $93,576,000 | 993 |
| Average total loans | $748,750,000 | 792 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1700% | 1,064 |
| Cost of funding earning assets | 1.2002% | 1,022 |
| Net interest margin | 3.9697% | 1,943 |
| Noninterest income to average assets | 0.1254% | 4,835 |
| Noninterest expense to average assets | 2.5889% | 3,212 |
| Loan and lease loss provision to assets | 1.6014% | 56 |
| Net operating income to assets | -0.1284% | 5,009 |
| Return on assets (ROA) | -0.1280% | 5,019 |
| Pretax return on assets | -0.2642% | 5,031 |
| Return on Equity (ROE) | -1.1908% | 5,023 |
| Retained earnings to average equity (ytd only) | -1.1908% | 4,823 |
| Net charge-offs to loans | 1.7423% | 75 |
| Credit loss provision to net charge-offs | 110.5113% | 2,260 |
| Earnings coverage of net charge-offs (x) | 0.9224% | 3,583 |
| Efficiency ratio | 65.9491% | 2,775 |
| Assets per employee ($millions) | 5.8824% | 1,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0546% | 422 |
| Loan loss allowance to noncurrent loans | 337.5219% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.5100% | 2,371 |
| Noncurrent loans to loans | 0.6087% | 2,361 |
| Net loans and leases to total assets | 82.0599% | 552 |
| Net loans and leases to deposits | 95.0539% | 1,043 |
| Net loans and leases to core deposits | 106.8818% | 1,056 |
| Total domestic deposits to total assets | 86.2166% | 1,974 |
| Equity capital to assets | 10.3743% | 3,567 |
| Core capital (leverage) ratio | 9.8556% | 3,668 |
| Tier 1 risk-based capital ratio | 12.8609% | 3,867 |
| Total risk-based capital ratio | 14.1232% | 3,739 |
| Memoranda: | ||
| Average total assets | $892,197,600 | 883 |
| Average earning assets | $854,087,600 | 848 |
| Average equity | $95,900,200 | 930 |
| Average total loans | $742,073,400 | 771 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1537% | 1,143 |
| Cost of funding earning assets | 1.1661% | 1,123 |
| Net interest margin | 3.9876% | 1,988 |
| Noninterest income to average assets | 0.1284% | 4,887 |
| Noninterest expense to average assets | 2.5173% | 3,389 |
| Loan and lease loss provision to assets | 0.5547% | 215 |
| Net operating income to assets | 0.7476% | 3,857 |
| Return on assets (ROA) | 0.7479% | 3,919 |
| Pretax return on assets | 0.8765% | 3,942 |
| Return on Equity (ROE) | 6.8978% | 3,722 |
| Retained earnings to average equity (ytd only) | 6.8978% | 1,914 |
| Net charge-offs to loans | 0.9990% | 145 |
| Credit loss provision to net charge-offs | 66.8830% | 2,649 |
| Earnings coverage of net charge-offs (x) | 1.7253% | 3,260 |
| Efficiency ratio | 63.7582% | 3,049 |
| Assets per employee ($millions) | 6.3080% | 1,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6169% | 961 |
| Loan loss allowance to noncurrent loans | 88.8452% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 1.4801% | 760 |
| Noncurrent loans to loans | 1.8199% | 781 |
| Net loans and leases to total assets | 80.0148% | 845 |
| Net loans and leases to deposits | 92.8008% | 1,339 |
| Net loans and leases to core deposits | 104.4830% | 1,299 |
| Total domestic deposits to total assets | 86.1275% | 1,933 |
| Equity capital to assets | 10.6427% | 3,424 |
| Core capital (leverage) ratio | 10.5910% | 3,016 |
| Tier 1 risk-based capital ratio | 13.2519% | 3,715 |
| Total risk-based capital ratio | 14.5076% | 3,614 |
| Memoranda: | ||
| Average total assets | $891,716,000 | 883 |
| Average earning assets | $854,192,000 | 847 |
| Average equity | $96,685,500 | 927 |
| Average total loans | $740,314,750 | 769 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1900% | 997 |
| Cost of funding earning assets | 1.1118% | 1,255 |
| Net interest margin | 4.0782% | 1,677 |
| Noninterest income to average assets | 0.1293% | 4,934 |
| Noninterest expense to average assets | 2.5897% | 3,215 |
| Loan and lease loss provision to assets | 0.2500% | 613 |
| Net operating income to assets | 0.9281% | 3,176 |
| Return on assets (ROA) | 0.9281% | 3,237 |
| Pretax return on assets | 1.1918% | 2,931 |
| Return on Equity (ROE) | 8.5047% | 3,061 |
| Retained earnings to average equity (ytd only) | 8.5047% | 1,202 |
| Net charge-offs to loans | -0.0022% | 3,968 |
| Credit loss provision to net charge-offs | -13,750.0000% | 4,548 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2366% | 3,092 |
| Assets per employee ($millions) | 6.2133% | 1,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0348% | 446 |
| Loan loss allowance to noncurrent loans | 85.6181% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 1.9492% | 484 |
| Noncurrent loans to loans | 2.3766% | 531 |
| Net loans and leases to total assets | 80.3467% | 831 |
| Net loans and leases to deposits | 93.3756% | 1,328 |
| Net loans and leases to core deposits | 104.6711% | 1,328 |
| Total domestic deposits to total assets | 85.9254% | 2,073 |
| Equity capital to assets | 10.8225% | 3,248 |
| Core capital (leverage) ratio | 10.9997% | 2,602 |
| Tier 1 risk-based capital ratio | 13.3585% | 3,651 |
| Total risk-based capital ratio | 14.6190% | 3,549 |
| Memoranda: | ||
| Average total assets | $879,860,670 | 891 |
| Average earning assets | $841,884,330 | 856 |
| Average equity | $96,018,000 | 928 |
| Average total loans | $735,700,670 | 769 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2392% | 839 |
| Cost of funding earning assets | 1.0568% | 1,349 |
| Net interest margin | 4.1824% | 1,342 |
| Noninterest income to average assets | 0.1270% | 4,969 |
| Noninterest expense to average assets | 2.6958% | 2,916 |
| Loan and lease loss provision to assets | 0.1385% | 1,248 |
| Net operating income to assets | 0.9212% | 3,158 |
| Return on assets (ROA) | 0.9212% | 3,193 |
| Pretax return on assets | 1.3022% | 2,445 |
| Return on Equity (ROE) | 8.4054% | 3,076 |
| Retained earnings to average equity (ytd only) | 8.4054% | 1,519 |
| Net charge-offs to loans | -0.0022% | 3,870 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1708% | 3,065 |
| Assets per employee ($millions) | 6.1999% | 1,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9481% | 555 |
| Loan loss allowance to noncurrent loans | 115.9039% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 1.4456% | 851 |
| Noncurrent loans to loans | 1.6808% | 925 |
| Net loans and leases to total assets | 84.3299% | 343 |
| Net loans and leases to deposits | 100.6949% | 581 |
| Net loans and leases to core deposits | 114.2739% | 727 |
| Total domestic deposits to total assets | 81.9245% | 3,743 |
| Equity capital to assets | 11.2531% | 2,600 |
| Core capital (leverage) ratio | 11.0930% | 2,486 |
| Tier 1 risk-based capital ratio | 13.4487% | 3,634 |
| Total risk-based capital ratio | 14.7085% | 3,535 |
| Memoranda: | ||
| Average total assets | $866,221,000 | 904 |
| Average earning assets | $830,424,500 | 869 |
| Average equity | $94,939,500 | 931 |
| Average total loans | $731,553,000 | 778 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1232% | 809 |
| Cost of funding earning assets | 0.8683% | 1,231 |
| Net interest margin | 4.2549% | 1,263 |
| Noninterest income to average assets | 0.7607% | 1,603 |
| Noninterest expense to average assets | 2.8224% | 2,613 |
| Loan and lease loss provision to assets | 0.2637% | 643 |
| Net operating income to assets | 1.1758% | 2,284 |
| Return on assets (ROA) | 1.1746% | 2,277 |
| Pretax return on assets | 1.7579% | 1,031 |
| Return on Equity (ROE) | 10.9620% | 2,095 |
| Retained earnings to average equity (ytd only) | 10.9620% | 447 |
| Net charge-offs to loans | -0.0176% | 4,664 |
| Credit loss provision to net charge-offs | -1,762.8099% | 4,821 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2466% | 4,126 |
| Assets per employee ($millions) | 5.9245% | 1,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9293% | 544 |
| Loan loss allowance to noncurrent loans | 573.8650% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.2788% | 3,468 |
| Noncurrent loans to loans | 0.3362% | 3,347 |
| Net loans and leases to total assets | 81.3417% | 764 |
| Net loans and leases to deposits | 95.2510% | 1,146 |
| Net loans and leases to core deposits | 107.2461% | 1,176 |
| Total domestic deposits to total assets | 81.9819% | 3,646 |
| Equity capital to assets | 10.5655% | 3,110 |
| Core capital (leverage) ratio | 10.5382% | 2,975 |
| Tier 1 risk-based capital ratio | 13.2193% | 3,712 |
| Total risk-based capital ratio | 14.4790% | 3,591 |
| Memoranda: | ||
| Average total assets | $808,810,200 | 943 |
| Average earning assets | $776,485,400 | 904 |
| Average equity | $86,663,200 | 963 |
| Average total loans | $687,752,600 | 802 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0444% | 854 |
| Cost of funding earning assets | 0.8086% | 1,294 |
| Net interest margin | 4.2358% | 1,273 |
| Noninterest income to average assets | 0.9869% | 983 |
| Noninterest expense to average assets | 2.7957% | 2,644 |
| Loan and lease loss provision to assets | 0.0226% | 3,570 |
| Net operating income to assets | 1.4953% | 1,207 |
| Return on assets (ROA) | 1.4936% | 1,208 |
| Pretax return on assets | 2.2311% | 384 |
| Return on Equity (ROE) | 13.8858% | 1,150 |
| Retained earnings to average equity (ytd only) | 13.8858% | 264 |
| Net charge-offs to loans | -0.0012% | 4,026 |
| Credit loss provision to net charge-offs | -2,233.3333% | 4,765 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3433% | 4,465 |
| Assets per employee ($millions) | 5.6139% | 1,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6562% | 952 |
| Loan loss allowance to noncurrent loans | 780.9305% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.1824% | 4,030 |
| Noncurrent loans to loans | 0.2121% | 3,948 |
| Net loans and leases to total assets | 84.5979% | 387 |
| Net loans and leases to deposits | 99.8407% | 798 |
| Net loans and leases to core deposits | 112.3427% | 899 |
| Total domestic deposits to total assets | 81.1155% | 3,840 |
| Equity capital to assets | 10.9095% | 2,741 |
| Core capital (leverage) ratio | 10.9761% | 2,605 |
| Tier 1 risk-based capital ratio | 12.8588% | 3,990 |
| Total risk-based capital ratio | 14.1149% | 3,888 |
| Memoranda: | ||
| Average total assets | $791,805,750 | 955 |
| Average earning assets | $759,824,250 | 925 |
| Average equity | $85,168,750 | 978 |
| Average total loans | $677,876,250 | 815 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8376% | 1,155 |
| Cost of funding earning assets | 0.7656% | 1,305 |
| Net interest margin | 4.0720% | 1,640 |
| Noninterest income to average assets | 0.1310% | 5,153 |
| Noninterest expense to average assets | 2.7496% | 2,845 |
| Loan and lease loss provision to assets | 0.0342% | 3,232 |
| Net operating income to assets | 0.8462% | 3,694 |
| Return on assets (ROA) | 0.8462% | 3,694 |
| Pretax return on assets | 1.2534% | 2,712 |
| Return on Equity (ROE) | 7.9071% | 3,537 |
| Retained earnings to average equity (ytd only) | 7.9071% | 1,667 |
| Net charge-offs to loans | -0.0009% | 3,882 |
| Credit loss provision to net charge-offs | -4,433.3333% | 4,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1056% | 2,627 |
| Assets per employee ($millions) | 5.3439% | 2,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7157% | 881 |
| Loan loss allowance to noncurrent loans | 766.6023% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.1926% | 4,025 |
| Noncurrent loans to loans | 0.2238% | 3,919 |
| Net loans and leases to total assets | 84.5703% | 397 |
| Net loans and leases to deposits | 99.1320% | 875 |
| Net loans and leases to core deposits | 113.0379% | 835 |
| Total domestic deposits to total assets | 81.4292% | 3,884 |
| Equity capital to assets | 10.7289% | 2,904 |
| Core capital (leverage) ratio | 10.2289% | 3,323 |
| Tier 1 risk-based capital ratio | 12.4469% | 4,220 |
| Total risk-based capital ratio | 13.7035% | 4,109 |
| Memoranda: | ||
| Average total assets | $776,919,670 | 975 |
| Average earning assets | $745,283,330 | 944 |
| Average equity | $83,140,330 | 994 |
| Average total loans | $663,985,670 | 831 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6681% | 1,385 |
| Cost of funding earning assets | 0.6455% | 1,746 |
| Net interest margin | 4.0226% | 1,648 |
| Noninterest income to average assets | 0.1186% | 5,259 |
| Noninterest expense to average assets | 2.8497% | 2,534 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7681% | 3,840 |
| Return on assets (ROA) | 0.7681% | 3,840 |
| Pretax return on assets | 1.1230% | 3,080 |
| Return on Equity (ROE) | 7.1871% | 3,707 |
| Retained earnings to average equity (ytd only) | 7.1871% | 2,189 |
| Net charge-offs to loans | -0.0018% | 3,804 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7325% | 2,230 |
| Assets per employee ($millions) | 5.8760% | 1,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7849% | 810 |
| Loan loss allowance to noncurrent loans | 740.8805% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.2019% | 4,071 |
| Noncurrent loans to loans | 0.2409% | 3,907 |
| Net loans and leases to total assets | 82.3262% | 623 |
| Net loans and leases to deposits | 97.9541% | 862 |
| Net loans and leases to core deposits | 111.8421% | 899 |
| Total domestic deposits to total assets | 79.9404% | 4,430 |
| Equity capital to assets | 10.4758% | 3,103 |
| Core capital (leverage) ratio | 10.6865% | 2,750 |
| Tier 1 risk-based capital ratio | 12.1767% | 4,449 |
| Total risk-based capital ratio | 13.4339% | 4,341 |
| Memoranda: | ||
| Average total assets | $761,916,500 | 996 |
| Average earning assets | $729,969,500 | 967 |
| Average equity | $81,423,500 | 1,020 |
| Average total loans | $648,812,000 | 850 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5744% | 1,505 |
| Cost of funding earning assets | 0.4989% | 2,341 |
| Net interest margin | 4.0755% | 1,520 |
| Noninterest income to average assets | 0.2577% | 4,594 |
| Noninterest expense to average assets | 3.0444% | 2,031 |
| Loan and lease loss provision to assets | 0.2550% | 724 |
| Net operating income to assets | 1.8711% | 361 |
| Return on assets (ROA) | 1.8711% | 369 |
| Pretax return on assets | 0.8701% | 4,015 |
| Return on Equity (ROE) | 17.2309% | 372 |
| Retained earnings to average equity (ytd only) | 17.2309% | 59 |
| Net charge-offs to loans | -0.0462% | 5,165 |
| Credit loss provision to net charge-offs | -658.4314% | 4,996 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0167% | 2,060 |
| Assets per employee ($millions) | 5.5027% | 1,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8470% | 713 |
| Loan loss allowance to noncurrent loans | 735.6027% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.2171% | 4,051 |
| Noncurrent loans to loans | 0.2511% | 3,886 |
| Net loans and leases to total assets | 84.8770% | 355 |
| Net loans and leases to deposits | 99.0559% | 810 |
| Net loans and leases to core deposits | 109.8513% | 1,019 |
| Total domestic deposits to total assets | 83.0714% | 3,537 |
| Equity capital to assets | 11.0748% | 2,559 |
| Core capital (leverage) ratio | 10.9245% | 2,405 |
| Tier 1 risk-based capital ratio | 12.4671% | 4,224 |
| Total risk-based capital ratio | 13.7252% | 4,122 |
| Memoranda: | ||
| Average total assets | $658,449,200 | 1,105 |
| Average earning assets | $631,996,200 | 1,069 |
| Average equity | $71,499,600 | 1,114 |
| Average total loans | $551,959,800 | 934 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5160% | 1,600 |
| Cost of funding earning assets | 0.4605% | 2,610 |
| Net interest margin | 4.0555% | 1,520 |
| Noninterest income to average assets | 0.2864% | 4,478 |
| Noninterest expense to average assets | 3.0535% | 1,946 |
| Loan and lease loss provision to assets | 0.2547% | 674 |
| Net operating income to assets | 0.8216% | 3,428 |
| Return on assets (ROA) | 0.8216% | 3,467 |
| Pretax return on assets | 0.8757% | 4,124 |
| Return on Equity (ROE) | 7.6101% | 3,339 |
| Retained earnings to average equity (ytd only) | 7.6101% | 1,383 |
| Net charge-offs to loans | -0.0633% | 5,239 |
| Credit loss provision to net charge-offs | -484.1270% | 4,802 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9831% | 2,046 |
| Assets per employee ($millions) | 5.0981% | 2,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8897% | 715 |
| Loan loss allowance to noncurrent loans | 701.0533% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.2261% | 4,158 |
| Noncurrent loans to loans | 0.2696% | 3,992 |
| Net loans and leases to total assets | 82.3060% | 632 |
| Net loans and leases to deposits | 94.8352% | 1,221 |
| Net loans and leases to core deposits | 104.3150% | 1,370 |
| Total domestic deposits to total assets | 84.2362% | 3,026 |
| Equity capital to assets | 10.3276% | 3,565 |
| Core capital (leverage) ratio | 10.7595% | 2,690 |
| Tier 1 risk-based capital ratio | 12.6775% | 4,223 |
| Total risk-based capital ratio | 13.9365% | 4,109 |
| Memoranda: | ||
| Average total assets | $638,721,500 | 1,142 |
| Average earning assets | $613,829,750 | 1,103 |
| Average equity | $68,959,250 | 1,163 |
| Average total loans | $530,543,250 | 966 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4644% | 1,612 |
| Cost of funding earning assets | 0.4045% | 3,025 |
| Net interest margin | 4.0599% | 1,432 |
| Noninterest income to average assets | 0.1509% | 5,308 |
| Noninterest expense to average assets | 3.1487% | 1,707 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8717% | 3,063 |
| Return on assets (ROA) | 0.8717% | 3,112 |
| Pretax return on assets | 0.8975% | 3,945 |
| Return on Equity (ROE) | 7.9406% | 3,066 |
| Retained earnings to average equity (ytd only) | 7.9406% | 1,191 |
| Net charge-offs to loans | -0.1063% | 5,427 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8189% | 1,488 |
| Assets per employee ($millions) | 4.6910% | 2,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8255% | 841 |
| Loan loss allowance to noncurrent loans | 346.0986% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.4418% | 3,345 |
| Noncurrent loans to loans | 0.5275% | 3,178 |
| Net loans and leases to total assets | 82.2272% | 635 |
| Net loans and leases to deposits | 95.6753% | 1,107 |
| Net loans and leases to core deposits | 102.5230% | 1,465 |
| Total domestic deposits to total assets | 83.3560% | 3,446 |
| Equity capital to assets | 10.8565% | 2,956 |
| Core capital (leverage) ratio | 11.3968% | 2,052 |
| Tier 1 risk-based capital ratio | 12.8720% | 4,081 |
| Total risk-based capital ratio | 14.1295% | 3,989 |
| Memoranda: | ||
| Average total assets | $613,716,000 | 1,191 |
| Average earning assets | $588,830,330 | 1,140 |
| Average equity | $67,375,000 | 1,190 |
| Average total loans | $507,803,000 | 1,006 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6358% | 1,054 |
| Cost of funding earning assets | 0.3609% | 3,406 |
| Net interest margin | 4.2748% | 838 |
| Noninterest income to average assets | 0.1634% | 5,297 |
| Noninterest expense to average assets | 3.3167% | 1,352 |
| Loan and lease loss provision to assets | -0.2448% | 5,804 |
| Net operating income to assets | 1.1264% | 1,767 |
| Return on assets (ROA) | 1.1264% | 1,802 |
| Pretax return on assets | 1.1799% | 2,681 |
| Return on Equity (ROE) | 10.1967% | 1,879 |
| Retained earnings to average equity (ytd only) | 10.1967% | 769 |
| Net charge-offs to loans | -0.2930% | 5,682 |
| Credit loss provision to net charge-offs | 101.6901% | 1,546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0064% | 1,627 |
| Assets per employee ($millions) | 4.5287% | 3,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9799% | 691 |
| Loan loss allowance to noncurrent loans | 322.8421% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.4984% | 3,230 |
| Noncurrent loans to loans | 0.6133% | 2,984 |
| Net loans and leases to total assets | 79.6566% | 880 |
| Net loans and leases to deposits | 95.0723% | 1,006 |
| Net loans and leases to core deposits | 98.7952% | 1,600 |
| Total domestic deposits to total assets | 83.2418% | 3,750 |
| Equity capital to assets | 11.4658% | 2,206 |
| Core capital (leverage) ratio | 12.0120% | 1,622 |
| Tier 1 risk-based capital ratio | 14.2302% | 3,345 |
| Total risk-based capital ratio | 15.4899% | 3,258 |
| Memoranda: | ||
| Average total assets | $589,860,500 | 1,222 |
| Average earning assets | $564,137,000 | 1,188 |
| Average equity | $65,158,500 | 1,225 |
| Average total loans | $484,711,500 | 1,050 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2660% | 2,256 |
| Cost of funding earning assets | 0.3157% | 3,895 |
| Net interest margin | 3.9503% | 1,788 |
| Noninterest income to average assets | 0.1643% | 5,393 |
| Noninterest expense to average assets | 3.6025% | 1,016 |
| Loan and lease loss provision to assets | -0.0681% | 5,626 |
| Net operating income to assets | 0.3825% | 5,001 |
| Return on assets (ROA) | 0.4111% | 4,986 |
| Pretax return on assets | 0.4270% | 5,166 |
| Return on Equity (ROE) | 3.7247% | 4,925 |
| Retained earnings to average equity (ytd only) | 3.7247% | 3,269 |
| Net charge-offs to loans | -0.0068% | 4,863 |
| Credit loss provision to net charge-offs | 1,196.6667% | 333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6285% | 479 |
| Assets per employee ($millions) | 4.2100% | 3,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0828% | 565 |
| Loan loss allowance to noncurrent loans | 452.3438% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.3829% | 3,737 |
| Noncurrent loans to loans | 0.4604% | 3,511 |
| Net loans and leases to total assets | 81.4191% | 684 |
| Net loans and leases to deposits | 97.1706% | 897 |
| Net loans and leases to core deposits | 103.4153% | 1,328 |
| Total domestic deposits to total assets | 81.1705% | 4,296 |
| Equity capital to assets | 10.5953% | 3,046 |
| Core capital (leverage) ratio | 10.8685% | 2,473 |
| Tier 1 risk-based capital ratio | 13.2984% | 3,900 |
| Total risk-based capital ratio | 14.5604% | 3,799 |
| Memoranda: | ||
| Average total assets | $527,130,400 | 1,306 |
| Average earning assets | $502,723,200 | 1,272 |
| Average equity | $58,178,600 | 1,324 |
| Average total loans | $438,159,400 | 1,115 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2302% | 2,413 |
| Cost of funding earning assets | 0.3047% | 4,047 |
| Net interest margin | 3.9255% | 1,890 |
| Noninterest income to average assets | 0.1659% | 5,438 |
| Noninterest expense to average assets | 3.6372% | 937 |
| Loan and lease loss provision to assets | -0.0302% | 5,691 |
| Net operating income to assets | 0.2936% | 5,300 |
| Return on assets (ROA) | 0.3318% | 5,289 |
| Pretax return on assets | 0.3447% | 5,385 |
| Return on Equity (ROE) | 2.9732% | 5,226 |
| Retained earnings to average equity (ytd only) | 2.9732% | 4,130 |
| Net charge-offs to loans | -0.0326% | 5,194 |
| Credit loss provision to net charge-offs | 111.4286% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9768% | 430 |
| Assets per employee ($millions) | 4.4728% | 3,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1429% | 562 |
| Loan loss allowance to noncurrent loans | 467.4333% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.3888% | 3,866 |
| Noncurrent loans to loans | 0.4584% | 3,641 |
| Net loans and leases to total assets | 82.9989% | 511 |
| Net loans and leases to deposits | 98.5347% | 807 |
| Net loans and leases to core deposits | 105.4787% | 1,235 |
| Total domestic deposits to total assets | 81.1472% | 4,211 |
| Equity capital to assets | 10.9560% | 3,061 |
| Core capital (leverage) ratio | 11.2655% | 2,214 |
| Tier 1 risk-based capital ratio | 13.9010% | 3,611 |
| Total risk-based capital ratio | 15.1644% | 3,531 |
| Memoranda: | ||
| Average total assets | $516,826,250 | 1,333 |
| Average earning assets | $493,206,500 | 1,287 |
| Average equity | $57,668,750 | 1,340 |
| Average total loans | $429,552,750 | 1,138 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2197% | 2,445 |
| Cost of funding earning assets | 0.2857% | 4,290 |
| Net interest margin | 3.9340% | 1,866 |
| Noninterest income to average assets | 0.1977% | 5,313 |
| Noninterest expense to average assets | 3.7125% | 862 |
| Loan and lease loss provision to assets | -0.0465% | 5,822 |
| Net operating income to assets | 0.2642% | 5,406 |
| Return on assets (ROA) | 0.3230% | 5,338 |
| Pretax return on assets | 0.3350% | 5,445 |
| Return on Equity (ROE) | 2.8757% | 5,274 |
| Retained earnings to average equity (ytd only) | 2.8757% | 4,075 |
| Net charge-offs to loans | -0.0449% | 5,318 |
| Credit loss provision to net charge-offs | 125.8065% | 1,798 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2341% | 406 |
| Assets per employee ($millions) | 4.3018% | 3,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3708% | 418 |
| Loan loss allowance to noncurrent loans | 461.9936% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.4186% | 3,830 |
| Noncurrent loans to loans | 0.5132% | 3,550 |
| Net loans and leases to total assets | 79.6428% | 964 |
| Net loans and leases to deposits | 95.0734% | 1,176 |
| Net loans and leases to core deposits | 98.5960% | 1,761 |
| Total domestic deposits to total assets | 83.1564% | 3,593 |
| Equity capital to assets | 11.0631% | 2,986 |
| Core capital (leverage) ratio | 11.5965% | 1,913 |
| Tier 1 risk-based capital ratio | 14.2159% | 3,488 |
| Total risk-based capital ratio | 15.4817% | 3,395 |
| Memoranda: | ||
| Average total assets | $502,735,000 | 1,373 |
| Average earning assets | $478,187,000 | 1,332 |
| Average equity | $56,473,330 | 1,371 |
| Average total loans | $414,667,330 | 1,175 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3011% | 2,134 |
| Cost of funding earning assets | 0.2933% | 4,243 |
| Net interest margin | 4.0078% | 1,587 |
| Noninterest income to average assets | 0.2180% | 5,177 |
| Noninterest expense to average assets | 3.7780% | 801 |
| Loan and lease loss provision to assets | -0.0952% | 5,983 |
| Net operating income to assets | 0.3303% | 5,210 |
| Return on assets (ROA) | 0.3311% | 5,294 |
| Pretax return on assets | 0.3384% | 5,436 |
| Return on Equity (ROE) | 2.9239% | 5,268 |
| Retained earnings to average equity (ytd only) | 2.9239% | 4,053 |
| Net charge-offs to loans | -0.1245% | 5,716 |
| Credit loss provision to net charge-offs | 92.1260% | 1,747 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9701% | 455 |
| Assets per employee ($millions) | 3.9968% | 3,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4755% | 396 |
| Loan loss allowance to noncurrent loans | 433.4894% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.4704% | 3,717 |
| Noncurrent loans to loans | 0.5711% | 3,479 |
| Net loans and leases to total assets | 80.3305% | 767 |
| Net loans and leases to deposits | 94.2943% | 1,116 |
| Net loans and leases to core deposits | 98.9543% | 1,567 |
| Total domestic deposits to total assets | 83.6220% | 3,669 |
| Equity capital to assets | 11.2491% | 2,680 |
| Core capital (leverage) ratio | 11.3328% | 2,112 |
| Tier 1 risk-based capital ratio | 14.6756% | 3,299 |
| Total risk-based capital ratio | 15.9435% | 3,232 |
| Memoranda: | ||
| Average total assets | $491,694,500 | 1,407 |
| Average earning assets | $466,487,000 | 1,361 |
| Average equity | $55,679,500 | 1,385 |
| Average total loans | $407,937,000 | 1,187 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0137% | 3,263 |
| Cost of funding earning assets | 0.2702% | 4,582 |
| Net interest margin | 3.7435% | 2,584 |
| Noninterest income to average assets | 0.2070% | 5,357 |
| Noninterest expense to average assets | 3.7305% | 944 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.0400% | 5,830 |
| Return on assets (ROA) | 0.0858% | 5,816 |
| Pretax return on assets | 0.0668% | 5,830 |
| Return on Equity (ROE) | 0.7432% | 5,808 |
| Retained earnings to average equity (ytd only) | 0.7432% | 5,219 |
| Net charge-offs to loans | 0.1002% | 2,412 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 0.2688% | 4,245 |
| Efficiency ratio | 99.4382% | 297 |
| Assets per employee ($millions) | 3.9983% | 3,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5168% | 389 |
| Loan loss allowance to noncurrent loans | 337.4337% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.6234% | 3,197 |
| Noncurrent loans to loans | 0.7459% | 2,941 |
| Net loans and leases to total assets | 81.4774% | 644 |
| Net loans and leases to deposits | 95.8381% | 1,031 |
| Net loans and leases to core deposits | 99.8048% | 1,517 |
| Total domestic deposits to total assets | 84.0204% | 3,468 |
| Equity capital to assets | 11.4014% | 2,445 |
| Core capital (leverage) ratio | 11.3110% | 2,115 |
| Tier 1 risk-based capital ratio | 15.4999% | 2,930 |
| Total risk-based capital ratio | 16.7698% | 2,858 |
| Memoranda: | ||
| Average total assets | $474,463,800 | 1,425 |
| Average earning assets | $449,262,000 | 1,382 |
| Average equity | $54,764,600 | 1,365 |
| Average total loans | $371,189,000 | 1,227 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9477% | 3,552 |
| Cost of funding earning assets | 0.2605% | 4,768 |
| Net interest margin | 3.6872% | 2,821 |
| Noninterest income to average assets | 0.2107% | 5,385 |
| Noninterest expense to average assets | 3.8039% | 848 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.0629% | 5,975 |
| Return on assets (ROA) | -0.0237% | 5,985 |
| Pretax return on assets | -0.0384% | 5,988 |
| Return on Equity (ROE) | -0.2049% | 5,985 |
| Retained earnings to average equity (ytd only) | -0.2049% | 5,639 |
| Net charge-offs to loans | 0.1403% | 1,717 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -0.9241% | 4,050 |
| Efficiency ratio | 102.6912% | 243 |
| Assets per employee ($millions) | 4.0723% | 3,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5882% | 389 |
| Loan loss allowance to noncurrent loans | 343.4797% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.6007% | 3,469 |
| Noncurrent loans to loans | 0.7535% | 3,078 |
| Net loans and leases to total assets | 77.6562% | 1,156 |
| Net loans and leases to deposits | 91.3833% | 1,478 |
| Net loans and leases to core deposits | 95.5708% | 1,926 |
| Total domestic deposits to total assets | 83.8386% | 3,493 |
| Equity capital to assets | 11.2462% | 2,751 |
| Core capital (leverage) ratio | 11.4100% | 2,115 |
| Tier 1 risk-based capital ratio | 16.0209% | 2,785 |
| Total risk-based capital ratio | 17.2921% | 2,726 |
| Memoranda: | ||
| Average total assets | $472,131,500 | 1,434 |
| Average earning assets | $447,342,750 | 1,392 |
| Average equity | $54,666,000 | 1,374 |
| Average total loans | $362,896,500 | 1,255 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9757% | 3,389 |
| Cost of funding earning assets | 0.2502% | 4,941 |
| Net interest margin | 3.7255% | 2,599 |
| Noninterest income to average assets | 0.2257% | 5,351 |
| Noninterest expense to average assets | 3.9539% | 713 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.1931% | 6,099 |
| Return on assets (ROA) | -0.1487% | 6,103 |
| Pretax return on assets | -0.1599% | 6,088 |
| Return on Equity (ROE) | -1.2717% | 6,095 |
| Retained earnings to average equity (ytd only) | -1.2717% | 5,735 |
| Net charge-offs to loans | 0.1779% | 1,393 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -1.5382% | 3,781 |
| Efficiency ratio | 105.5422% | 226 |
| Assets per employee ($millions) | 3.8285% | 4,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7825% | 342 |
| Loan loss allowance to noncurrent loans | 330.1613% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.6692% | 3,394 |
| Noncurrent loans to loans | 0.8428% | 3,013 |
| Net loans and leases to total assets | 77.1960% | 1,176 |
| Net loans and leases to deposits | 91.6130% | 1,410 |
| Net loans and leases to core deposits | 96.9563% | 1,722 |
| Total domestic deposits to total assets | 83.0646% | 3,927 |
| Equity capital to assets | 11.6781% | 2,267 |
| Core capital (leverage) ratio | 11.6592% | 1,875 |
| Tier 1 risk-based capital ratio | 16.6732% | 2,530 |
| Total risk-based capital ratio | 17.9471% | 2,473 |
| Memoranda: | ||
| Average total assets | $465,257,330 | 1,462 |
| Average earning assets | $439,669,000 | 1,428 |
| Average equity | $54,416,000 | 1,387 |
| Average total loans | $352,921,670 | 1,291 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0212% | 3,155 |
| Cost of funding earning assets | 0.2526% | 4,992 |
| Net interest margin | 3.7685% | 2,360 |
| Noninterest income to average assets | 0.1862% | 5,594 |
| Noninterest expense to average assets | 3.9531% | 728 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.2042% | 6,147 |
| Return on assets (ROA) | -0.2042% | 6,169 |
| Pretax return on assets | -0.2093% | 6,161 |
| Return on Equity (ROE) | -1.7444% | 6,161 |
| Retained earnings to average equity (ytd only) | -1.7444% | 5,655 |
| Net charge-offs to loans | -0.0151% | 4,914 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.5912% | 245 |
| Assets per employee ($millions) | 4.1604% | 3,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0452% | 284 |
| Loan loss allowance to noncurrent loans | 411.9345% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.5503% | 3,842 |
| Noncurrent loans to loans | 0.7392% | 3,412 |
| Net loans and leases to total assets | 72.1683% | 1,779 |
| Net loans and leases to deposits | 85.7267% | 1,864 |
| Net loans and leases to core deposits | 90.0513% | 2,124 |
| Total domestic deposits to total assets | 83.2489% | 4,099 |
| Equity capital to assets | 11.7179% | 2,272 |
| Core capital (leverage) ratio | 11.0432% | 2,372 |
| Tier 1 risk-based capital ratio | 16.7839% | 2,568 |
| Total risk-based capital ratio | 18.0724% | 2,505 |
| Memoranda: | ||
| Average total assets | $466,264,000 | 1,465 |
| Average earning assets | $440,171,000 | 1,429 |
| Average equity | $54,575,000 | 1,393 |
| Average total loans | $345,462,000 | 1,312 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9135% | 4,082 |
| Cost of funding earning assets | 0.2967% | 4,824 |
| Net interest margin | 3.6168% | 3,347 |
| Noninterest income to average assets | 0.2358% | 5,447 |
| Noninterest expense to average assets | 4.3866% | 510 |
| Loan and lease loss provision to assets | -0.1509% | 6,232 |
| Net operating income to assets | -0.5783% | 6,316 |
| Return on assets (ROA) | -0.4738% | 6,291 |
| Pretax return on assets | -0.4710% | 6,281 |
| Return on Equity (ROE) | -4.0586% | 6,270 |
| Retained earnings to average equity (ytd only) | -4.0586% | 6,142 |
| Net charge-offs to loans | -0.3702% | 6,360 |
| Credit loss provision to net charge-offs | 56.4972% | 3,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.8469% | 129 |
| Assets per employee ($millions) | 3.9539% | 4,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0659% | 277 |
| Loan loss allowance to noncurrent loans | 245.1545% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.9223% | 2,908 |
| Noncurrent loans to loans | 1.2506% | 2,362 |
| Net loans and leases to total assets | 71.4874% | 1,996 |
| Net loans and leases to deposits | 84.8494% | 2,117 |
| Net loans and leases to core deposits | 89.6569% | 2,316 |
| Total domestic deposits to total assets | 82.7887% | 4,153 |
| Equity capital to assets | 11.6916% | 2,264 |
| Core capital (leverage) ratio | 10.8722% | 2,530 |
| Tier 1 risk-based capital ratio | 16.3379% | 2,795 |
| Total risk-based capital ratio | 17.6140% | 2,724 |
| Memoranda: | ||
| Average total assets | $463,913,800 | 1,442 |
| Average earning assets | $439,228,000 | 1,397 |
| Average equity | $54,156,600 | 1,345 |
| Average total loans | $334,687,600 | 1,304 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9698% | 3,880 |
| Cost of funding earning assets | 0.2958% | 4,919 |
| Net interest margin | 3.6740% | 3,132 |
| Noninterest income to average assets | 0.2153% | 5,644 |
| Noninterest expense to average assets | 4.3526% | 532 |
| Loan and lease loss provision to assets | -0.2015% | 6,387 |
| Net operating income to assets | -0.4642% | 6,359 |
| Return on assets (ROA) | -0.3247% | 6,319 |
| Pretax return on assets | -0.3111% | 6,300 |
| Return on Equity (ROE) | -2.7821% | 6,309 |
| Retained earnings to average equity (ytd only) | -2.7821% | 6,125 |
| Net charge-offs to loans | -0.4626% | 6,450 |
| Credit loss provision to net charge-offs | 60.7112% | 2,924 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.6246% | 146 |
| Assets per employee ($millions) | 4.0602% | 3,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2198% | 284 |
| Loan loss allowance to noncurrent loans | 171.7780% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 1.2933% | 2,390 |
| Noncurrent loans to loans | 1.8744% | 1,705 |
| Net loans and leases to total assets | 66.7742% | 2,726 |
| Net loans and leases to deposits | 80.8513% | 2,571 |
| Net loans and leases to core deposits | 84.9022% | 2,790 |
| Total domestic deposits to total assets | 81.7621% | 4,559 |
| Equity capital to assets | 11.7177% | 2,296 |
| Core capital (leverage) ratio | 11.1905% | 2,318 |
| Tier 1 risk-based capital ratio | 17.8429% | 2,261 |
| Total risk-based capital ratio | 19.1213% | 2,212 |
| Memoranda: | ||
| Average total assets | $463,252,500 | 1,454 |
| Average earning assets | $439,443,000 | 1,405 |
| Average equity | $54,058,750 | 1,360 |
| Average total loans | $332,339,500 | 1,318 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9346% | 3,992 |
| Cost of funding earning assets | 0.2985% | 4,982 |
| Net interest margin | 3.6360% | 3,207 |
| Noninterest income to average assets | 0.2201% | 5,631 |
| Noninterest expense to average assets | 4.3658% | 519 |
| Loan and lease loss provision to assets | -0.3039% | 6,532 |
| Net operating income to assets | -0.4059% | 6,416 |
| Return on assets (ROA) | -0.1954% | 6,328 |
| Pretax return on assets | -0.1836% | 6,303 |
| Return on Equity (ROE) | -1.6765% | 6,310 |
| Retained earnings to average equity (ytd only) | -1.6765% | 5,945 |
| Net charge-offs to loans | -0.4432% | 6,495 |
| Credit loss provision to net charge-offs | 94.3396% | 2,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.0341% | 150 |
| Assets per employee ($millions) | 3.8956% | 4,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0085% | 380 |
| Loan loss allowance to noncurrent loans | 174.6352% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 1.2522% | 2,603 |
| Noncurrent loans to loans | 1.7227% | 2,004 |
| Net loans and leases to total assets | 70.5001% | 2,000 |
| Net loans and leases to deposits | 84.2647% | 2,009 |
| Net loans and leases to core deposits | 88.3490% | 2,276 |
| Total domestic deposits to total assets | 82.8523% | 4,358 |
| Equity capital to assets | 11.7550% | 2,200 |
| Core capital (leverage) ratio | 11.1852% | 2,260 |
| Tier 1 risk-based capital ratio | 16.5526% | 2,803 |
| Total risk-based capital ratio | 17.8271% | 2,759 |
| Memoranda: | ||
| Average total assets | $460,676,670 | 1,455 |
| Average earning assets | $436,794,000 | 1,410 |
| Average equity | $53,682,330 | 1,353 |
| Average total loans | $334,800,670 | 1,308 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8878% | 4,132 |
| Cost of funding earning assets | 0.3137% | 4,935 |
| Net interest margin | 3.5741% | 3,368 |
| Noninterest income to average assets | 0.1969% | 5,788 |
| Noninterest expense to average assets | 4.5718% | 427 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.9922% | 6,572 |
| Return on assets (ROA) | -0.6956% | 6,520 |
| Pretax return on assets | -0.6887% | 6,504 |
| Return on Equity (ROE) | -5.9956% | 6,492 |
| Retained earnings to average equity (ytd only) | -5.9956% | 6,183 |
| Net charge-offs to loans | 0.5669% | 654 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -2.3916% | 3,545 |
| Efficiency ratio | 127.4728% | 133 |
| Assets per employee ($millions) | 3.8510% | 4,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8421% | 515 |
| Loan loss allowance to noncurrent loans | 122.8104% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 1.7086% | 2,067 |
| Noncurrent loans to loans | 2.3142% | 1,536 |
| Net loans and leases to total assets | 71.7318% | 1,616 |
| Net loans and leases to deposits | 84.3561% | 1,786 |
| Net loans and leases to core deposits | 88.3375% | 2,056 |
| Total domestic deposits to total assets | 84.4044% | 4,120 |
| Equity capital to assets | 11.7183% | 2,090 |
| Core capital (leverage) ratio | 10.9859% | 2,405 |
| Tier 1 risk-based capital ratio | 16.1191% | 3,111 |
| Total risk-based capital ratio | 17.3911% | 3,056 |
| Memoranda: | ||
| Average total assets | $461,177,000 | 1,463 |
| Average earning assets | $437,371,000 | 1,411 |
| Average equity | $53,506,000 | 1,358 |
| Average total loans | $335,139,000 | 1,312 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2129% | 3,303 |
| Cost of funding earning assets | 0.6142% | 2,531 |
| Net interest margin | 3.5987% | 3,475 |
| Noninterest income to average assets | 0.2406% | 5,622 |
| Noninterest expense to average assets | 4.0003% | 878 |
| Loan and lease loss provision to assets | -1.5554% | 6,805 |
| Net operating income to assets | 1.1920% | 1,602 |
| Return on assets (ROA) | 1.4123% | 1,036 |
| Pretax return on assets | 1.4254% | 1,702 |
| Return on Equity (ROE) | 14.1266% | 921 |
| Retained earnings to average equity (ytd only) | 14.1266% | 196 |
| Net charge-offs to loans | 0.2982% | 2,202 |
| Credit loss provision to net charge-offs | -790.3056% | 6,203 |
| Earnings coverage of net charge-offs (x) | -1.7914% | 5,314 |
| Efficiency ratio | 109.6651% | 276 |
| Assets per employee ($millions) | 4.1047% | 3,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9900% | 474 |
| Loan loss allowance to noncurrent loans | 105.4683% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 2.0283% | 1,770 |
| Noncurrent loans to loans | 2.8350% | 1,239 |
| Net loans and leases to total assets | 69.4050% | 2,108 |
| Net loans and leases to deposits | 82.2245% | 2,159 |
| Net loans and leases to core deposits | 86.3018% | 2,407 |
| Total domestic deposits to total assets | 83.5888% | 4,325 |
| Equity capital to assets | 11.4892% | 2,173 |
| Core capital (leverage) ratio | 11.0977% | 2,295 |
| Tier 1 risk-based capital ratio | 16.3719% | 2,918 |
| Total risk-based capital ratio | 17.6456% | 2,859 |
| Memoranda: | ||
| Average total assets | $482,187,800 | 1,377 |
| Average earning assets | $456,526,200 | 1,329 |
| Average equity | $48,206,800 | 1,461 |
| Average total loans | $318,266,600 | 1,334 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2389% | 3,238 |
| Cost of funding earning assets | 0.7017% | 1,933 |
| Net interest margin | 3.5372% | 3,725 |
| Noninterest income to average assets | 0.2344% | 5,754 |
| Noninterest expense to average assets | 3.8694% | 1,002 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.1896% | 6,460 |
| Return on assets (ROA) | -0.0011% | 6,347 |
| Pretax return on assets | 0.0080% | 6,314 |
| Return on Equity (ROE) | -0.0114% | 6,348 |
| Retained earnings to average equity (ytd only) | -0.0114% | 5,941 |
| Net charge-offs to loans | 0.3451% | 1,820 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -1.2841% | 5,032 |
| Efficiency ratio | 107.9982% | 294 |
| Assets per employee ($millions) | 4.1619% | 3,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6844% | 71 |
| Loan loss allowance to noncurrent loans | 133.1171% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 2.8438% | 1,308 |
| Noncurrent loans to loans | 4.2702% | 799 |
| Net loans and leases to total assets | 62.8103% | 3,199 |
| Net loans and leases to deposits | 73.4896% | 3,315 |
| Net loans and leases to core deposits | 76.9539% | 3,506 |
| Total domestic deposits to total assets | 84.8758% | 3,802 |
| Equity capital to assets | 10.2309% | 3,598 |
| Core capital (leverage) ratio | 9.5793% | 4,285 |
| Tier 1 risk-based capital ratio | 15.5196% | 3,466 |
| Total risk-based capital ratio | 16.8295% | 3,387 |
| Memoranda: | ||
| Average total assets | $485,750,750 | 1,371 |
| Average earning assets | $459,830,000 | 1,325 |
| Average equity | $46,818,000 | 1,509 |
| Average total loans | $314,138,000 | 1,354 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3755% | 2,655 |
| Cost of funding earning assets | 0.8679% | 1,044 |
| Net interest margin | 3.5076% | 3,750 |
| Noninterest income to average assets | 0.2547% | 5,629 |
| Noninterest expense to average assets | 3.7941% | 1,103 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.2181% | 6,501 |
| Return on assets (ROA) | 0.2048% | 6,008 |
| Pretax return on assets | 0.2117% | 6,062 |
| Return on Equity (ROE) | 2.1665% | 5,899 |
| Retained earnings to average equity (ytd only) | 2.1665% | 4,897 |
| Net charge-offs to loans | 0.1002% | 3,361 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -3.4937% | 4,804 |
| Efficiency ratio | 106.2820% | 344 |
| Assets per employee ($millions) | 3.9870% | 3,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8279% | 69 |
| Loan loss allowance to noncurrent loans | 118.6066% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 3.3078% | 1,186 |
| Noncurrent loans to loans | 4.9136% | 673 |
| Net loans and leases to total assets | 63.3954% | 3,024 |
| Net loans and leases to deposits | 73.9923% | 3,155 |
| Net loans and leases to core deposits | 77.8121% | 3,318 |
| Total domestic deposits to total assets | 84.7478% | 4,016 |
| Equity capital to assets | 10.2727% | 3,571 |
| Core capital (leverage) ratio | 9.7428% | 3,878 |
| Tier 1 risk-based capital ratio | 15.4682% | 3,500 |
| Total risk-based capital ratio | 16.7795% | 3,417 |
| Memoranda: | ||
| Average total assets | $492,289,330 | 1,355 |
| Average earning assets | $465,274,000 | 1,312 |
| Average equity | $46,527,330 | 1,520 |
| Average total loans | $315,375,000 | 1,346 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7356% | 1,441 |
| Cost of funding earning assets | 0.9201% | 894 |
| Net interest margin | 3.8155% | 2,391 |
| Noninterest income to average assets | 0.2098% | 5,981 |
| Noninterest expense to average assets | 3.7063% | 1,242 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1021% | 6,141 |
| Return on assets (ROA) | 0.3294% | 5,585 |
| Pretax return on assets | 0.3294% | 5,783 |
| Return on Equity (ROE) | 3.6307% | 5,282 |
| Retained earnings to average equity (ytd only) | 3.6307% | 4,066 |
| Net charge-offs to loans | -0.6417% | 6,883 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3181% | 668 |
| Assets per employee ($millions) | 4.3306% | 3,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0140% | 75 |
| Loan loss allowance to noncurrent loans | 123.6134% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 3.2208% | 1,355 |
| Noncurrent loans to loans | 4.8652% | 794 |
| Net loans and leases to total assets | 62.2197% | 3,019 |
| Net loans and leases to deposits | 73.4104% | 2,996 |
| Net loans and leases to core deposits | 77.3232% | 3,153 |
| Total domestic deposits to total assets | 83.8728% | 4,529 |
| Equity capital to assets | 10.2826% | 3,817 |
| Core capital (leverage) ratio | 8.9321% | 5,001 |
| Tier 1 risk-based capital ratio | 15.2754% | 3,668 |
| Total risk-based capital ratio | 16.5890% | 3,582 |
| Memoranda: | ||
| Average total assets | $505,195,500 | 1,335 |
| Average earning assets | $476,474,500 | 1,299 |
| Average equity | $45,831,000 | 1,562 |
| Average total loans | $316,049,500 | 1,345 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2907% | 4,223 |
| Cost of funding earning assets | 0.7578% | 3,030 |
| Net interest margin | 3.5330% | 4,362 |
| Noninterest income to average assets | 0.3324% | 5,074 |
| Noninterest expense to average assets | 3.6573% | 1,492 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.0586% | 6,075 |
| Return on assets (ROA) | 0.1520% | 6,048 |
| Pretax return on assets | 0.1122% | 6,139 |
| Return on Equity (ROE) | 1.9757% | 5,909 |
| Retained earnings to average equity (ytd only) | 1.9757% | 4,832 |
| Net charge-offs to loans | 0.7704% | 1,517 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 0.0383% | 5,471 |
| Efficiency ratio | 99.4863% | 579 |
| Assets per employee ($millions) | 4.6844% | 2,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8279% | 75 |
| Loan loss allowance to noncurrent loans | 117.5732% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 2.9400% | 1,616 |
| Noncurrent loans to loans | 4.9568% | 813 |
| Net loans and leases to total assets | 55.8551% | 4,319 |
| Net loans and leases to deposits | 66.1467% | 4,260 |
| Net loans and leases to core deposits | 70.4072% | 4,251 |
| Total domestic deposits to total assets | 83.6849% | 4,454 |
| Equity capital to assets | 7.9920% | 6,412 |
| Core capital (leverage) ratio | 7.3661% | 6,557 |
| Tier 1 risk-based capital ratio | 13.5926% | 4,680 |
| Total risk-based capital ratio | 14.9077% | 4,580 |
| Memoranda: | ||
| Average total assets | $550,762,800 | 1,217 |
| Average earning assets | $521,262,200 | 1,161 |
| Average equity | $42,364,600 | 1,643 |
| Average total loans | $352,681,200 | 1,187 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3900% | 4,094 |
| Cost of funding earning assets | 0.8072% | 2,885 |
| Net interest margin | 3.5829% | 4,305 |
| Noninterest income to average assets | 0.3080% | 5,318 |
| Noninterest expense to average assets | 3.4950% | 1,772 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2083% | 5,895 |
| Return on assets (ROA) | 0.3318% | 5,708 |
| Pretax return on assets | 0.3320% | 5,892 |
| Return on Equity (ROE) | 4.3544% | 5,123 |
| Retained earnings to average equity (ytd only) | 4.3544% | 3,828 |
| Net charge-offs to loans | 0.9821% | 1,080 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.3258% | 5,162 |
| Efficiency ratio | 94.3691% | 752 |
| Assets per employee ($millions) | 4.7159% | 2,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4850% | 104 |
| Loan loss allowance to noncurrent loans | 114.6396% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 3.2203% | 1,598 |
| Noncurrent loans to loans | 4.7845% | 964 |
| Net loans and leases to total assets | 60.3943% | 3,699 |
| Net loans and leases to deposits | 73.1414% | 3,425 |
| Net loans and leases to core deposits | 78.1300% | 3,441 |
| Total domestic deposits to total assets | 81.6359% | 5,154 |
| Equity capital to assets | 8.1646% | 6,508 |
| Core capital (leverage) ratio | 7.2799% | 6,724 |
| Tier 1 risk-based capital ratio | 12.7282% | 5,459 |
| Total risk-based capital ratio | 14.0376% | 5,374 |
| Memoranda: | ||
| Average total assets | $554,948,250 | 1,219 |
| Average earning assets | $525,936,500 | 1,159 |
| Average equity | $42,286,000 | 1,662 |
| Average total loans | $361,667,250 | 1,162 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4278% | 4,077 |
| Cost of funding earning assets | 0.8538% | 2,769 |
| Net interest margin | 3.5740% | 4,368 |
| Noninterest income to average assets | 0.3802% | 4,796 |
| Noninterest expense to average assets | 3.3848% | 2,068 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3802% | 5,297 |
| Return on assets (ROA) | 0.5625% | 4,807 |
| Pretax return on assets | 0.5629% | 5,268 |
| Return on Equity (ROE) | 7.5512% | 3,479 |
| Retained earnings to average equity (ytd only) | 7.5512% | 1,841 |
| Net charge-offs to loans | 1.5568% | 622 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.3728% | 4,895 |
| Efficiency ratio | 89.8926% | 1,078 |
| Assets per employee ($millions) | 4.5988% | 2,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0850% | 153 |
| Loan loss allowance to noncurrent loans | 89.1194% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 3.8133% | 1,356 |
| Noncurrent loans to loans | 5.7058% | 796 |
| Net loans and leases to total assets | 62.9397% | 3,246 |
| Net loans and leases to deposits | 76.6320% | 2,897 |
| Net loans and leases to core deposits | 83.1754% | 2,804 |
| Total domestic deposits to total assets | 81.1539% | 5,413 |
| Equity capital to assets | 7.8910% | 6,636 |
| Core capital (leverage) ratio | 7.0947% | 6,790 |
| Tier 1 risk-based capital ratio | 12.3444% | 5,685 |
| Total risk-based capital ratio | 13.6503% | 5,631 |
| Memoranda: | ||
| Average total assets | $563,869,670 | 1,194 |
| Average earning assets | $534,084,000 | 1,144 |
| Average equity | $42,006,670 | 1,664 |
| Average total loans | $369,721,330 | 1,141 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4566% | 4,084 |
| Cost of funding earning assets | 0.9225% | 2,496 |
| Net interest margin | 3.5341% | 4,553 |
| Noninterest income to average assets | 0.4018% | 4,657 |
| Noninterest expense to average assets | 3.3408% | 2,167 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4032% | 5,243 |
| Return on assets (ROA) | 0.4032% | 5,425 |
| Pretax return on assets | 0.4032% | 5,715 |
| Return on Equity (ROE) | 5.5674% | 4,517 |
| Retained earnings to average equity (ytd only) | 5.5674% | 3,223 |
| Net charge-offs to loans | 0.3897% | 2,132 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.5863% | 3,536 |
| Efficiency ratio | 89.2319% | 1,157 |
| Assets per employee ($millions) | 5.2490% | 1,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7127% | 96 |
| Loan loss allowance to noncurrent loans | 73.5111% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 5.0292% | 1,037 |
| Noncurrent loans to loans | 7.7712% | 514 |
| Net loans and leases to total assets | 60.0347% | 3,662 |
| Net loans and leases to deposits | 71.9819% | 3,438 |
| Net loans and leases to core deposits | 77.9451% | 3,332 |
| Total domestic deposits to total assets | 82.4655% | 5,139 |
| Equity capital to assets | 7.3490% | 6,833 |
| Core capital (leverage) ratio | 6.6258% | 6,948 |
| Tier 1 risk-based capital ratio | 11.6520% | 6,192 |
| Total risk-based capital ratio | 12.9652% | 6,131 |
| Memoranda: | ||
| Average total assets | $574,475,000 | 1,172 |
| Average earning assets | $543,284,000 | 1,122 |
| Average equity | $41,599,500 | 1,670 |
| Average total loans | $374,659,000 | 1,129 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9411% | 3,150 |
| Cost of funding earning assets | 1.0551% | 2,983 |
| Net interest margin | 3.8860% | 3,398 |
| Noninterest income to average assets | -0.0081% | 7,011 |
| Noninterest expense to average assets | 3.5711% | 1,802 |
| Loan and lease loss provision to assets | 0.3201% | 3,123 |
| Net operating income to assets | -0.2727% | 6,322 |
| Return on assets (ROA) | -0.2781% | 6,382 |
| Pretax return on assets | -0.2781% | 6,338 |
| Return on Equity (ROE) | -4.0510% | 6,474 |
| Retained earnings to average equity (ytd only) | -4.0510% | 6,375 |
| Net charge-offs to loans | -0.0846% | 7,117 |
| Credit loss provision to net charge-offs | -519.1257% | 6,817 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6918% | 712 |
| Assets per employee ($millions) | 5.1045% | 2,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4999% | 132 |
| Loan loss allowance to noncurrent loans | 65.4631% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 6.0398% | 808 |
| Noncurrent loans to loans | 8.4016% | 455 |
| Net loans and leases to total assets | 63.0794% | 3,384 |
| Net loans and leases to deposits | 76.2525% | 3,142 |
| Net loans and leases to core deposits | 82.7890% | 3,062 |
| Total domestic deposits to total assets | 81.9883% | 5,131 |
| Equity capital to assets | 7.1344% | 6,926 |
| Core capital (leverage) ratio | 6.5137% | 6,979 |
| Tier 1 risk-based capital ratio | 11.0193% | 6,446 |
| Total risk-based capital ratio | 12.3305% | 6,393 |
| Memoranda: | ||
| Average total assets | $593,625,600 | 1,113 |
| Average earning assets | $553,984,000 | 1,073 |
| Average equity | $40,755,200 | 1,651 |
| Average total loans | $432,620,000 | 965 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9908% | 3,135 |
| Cost of funding earning assets | 1.0719% | 3,169 |
| Net interest margin | 3.9189% | 3,285 |
| Noninterest income to average assets | 0.0314% | 7,013 |
| Noninterest expense to average assets | 3.5985% | 1,713 |
| Loan and lease loss provision to assets | 0.4237% | 2,351 |
| Net operating income to assets | -0.3428% | 6,537 |
| Return on assets (ROA) | -0.3499% | 6,597 |
| Pretax return on assets | -0.3499% | 6,530 |
| Return on Equity (ROE) | -5.1455% | 6,682 |
| Retained earnings to average equity (ytd only) | -5.1455% | 6,603 |
| Net charge-offs to loans | 0.0639% | 5,328 |
| Credit loss provision to net charge-offs | 892.0188% | 307 |
| Earnings coverage of net charge-offs (x) | 1.7043% | 4,382 |
| Efficiency ratio | 97.7997% | 745 |
| Assets per employee ($millions) | 4.9863% | 2,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0321% | 180 |
| Loan loss allowance to noncurrent loans | 62.8820% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 6.1262% | 863 |
| Noncurrent loans to loans | 8.0024% | 548 |
| Net loans and leases to total assets | 66.6295% | 2,762 |
| Net loans and leases to deposits | 80.2761% | 2,615 |
| Net loans and leases to core deposits | 87.2596% | 2,592 |
| Total domestic deposits to total assets | 82.3445% | 4,954 |
| Equity capital to assets | 6.9889% | 7,056 |
| Core capital (leverage) ratio | 6.5202% | 7,070 |
| Tier 1 risk-based capital ratio | 10.3374% | 6,845 |
| Total risk-based capital ratio | 11.6418% | 6,807 |
| Memoranda: | ||
| Average total assets | $597,830,000 | 1,109 |
| Average earning assets | $556,508,500 | 1,077 |
| Average equity | $40,656,000 | 1,656 |
| Average total loans | $444,519,250 | 950 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0143% | 3,087 |
| Cost of funding earning assets | 1.0909% | 3,311 |
| Net interest margin | 3.9235% | 3,198 |
| Noninterest income to average assets | 0.0166% | 7,155 |
| Noninterest expense to average assets | 3.5776% | 1,794 |
| Loan and lease loss provision to assets | 0.6306% | 1,521 |
| Net operating income to assets | -0.5546% | 6,734 |
| Return on assets (ROA) | -0.5652% | 6,758 |
| Pretax return on assets | -0.5652% | 6,695 |
| Return on Equity (ROE) | -8.3857% | 6,880 |
| Retained earnings to average equity (ytd only) | -8.3857% | 6,795 |
| Net charge-offs to loans | 0.1008% | 4,672 |
| Credit loss provision to net charge-offs | 826.0870% | 403 |
| Earnings coverage of net charge-offs (x) | 0.9957% | 4,552 |
| Efficiency ratio | 97.9199% | 791 |
| Assets per employee ($millions) | 4.8441% | 2,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7858% | 220 |
| Loan loss allowance to noncurrent loans | 62.9088% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 7.6387% | 624 |
| Noncurrent loans to loans | 7.6075% | 623 |
| Net loans and leases to total assets | 71.0290% | 1,997 |
| Net loans and leases to deposits | 85.6396% | 1,835 |
| Net loans and leases to core deposits | 94.6173% | 1,833 |
| Total domestic deposits to total assets | 82.2443% | 5,081 |
| Equity capital to assets | 6.9436% | 7,115 |
| Core capital (leverage) ratio | 6.4580% | 7,131 |
| Tier 1 risk-based capital ratio | 9.3668% | 7,127 |
| Total risk-based capital ratio | 10.6650% | 7,118 |
| Memoranda: | ||
| Average total assets | $602,640,330 | 1,105 |
| Average earning assets | $558,640,000 | 1,080 |
| Average equity | $40,617,000 | 1,648 |
| Average total loans | $456,254,670 | 952 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9581% | 3,296 |
| Cost of funding earning assets | 1.1198% | 3,380 |
| Net interest margin | 3.8384% | 3,427 |
| Noninterest income to average assets | 0.3261% | 5,303 |
| Noninterest expense to average assets | 3.6405% | 1,677 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1501% | 5,948 |
| Return on assets (ROA) | 0.1351% | 6,046 |
| Pretax return on assets | 0.2228% | 5,888 |
| Return on Equity (ROE) | 2.0336% | 5,774 |
| Retained earnings to average equity (ytd only) | 2.0336% | 4,916 |
| Net charge-offs to loans | -0.0196% | 6,564 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6654% | 1,057 |
| Assets per employee ($millions) | 4.6084% | 2,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0868% | 400 |
| Loan loss allowance to noncurrent loans | 50.6474% | 4,971 |
| Noncurrent assets plus other real estate owned to assets | 8.3489% | 547 |
| Noncurrent loans to loans | 8.0692% | 614 |
| Net loans and leases to total assets | 74.7429% | 1,231 |
| Net loans and leases to deposits | 89.8498% | 1,251 |
| Net loans and leases to core deposits | 99.8515% | 1,352 |
| Total domestic deposits to total assets | 82.5445% | 5,089 |
| Equity capital to assets | 7.0308% | 7,073 |
| Core capital (leverage) ratio | 6.4091% | 7,189 |
| Tier 1 risk-based capital ratio | 9.0878% | 7,211 |
| Total risk-based capital ratio | 10.3764% | 7,212 |
| Memoranda: | ||
| Average total assets | $615,737,500 | 1,082 |
| Average earning assets | $571,182,500 | 1,067 |
| Average equity | $40,912,500 | 1,630 |
| Average total loans | $469,370,000 | 930 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3770% | 2,778 |
| Cost of funding earning assets | 1.3013% | 3,873 |
| Net interest margin | 4.0758% | 2,679 |
| Noninterest income to average assets | 0.7451% | 2,564 |
| Noninterest expense to average assets | 3.3747% | 2,514 |
| Loan and lease loss provision to assets | 2.2037% | 553 |
| Net operating income to assets | -2.3029% | 7,138 |
| Return on assets (ROA) | -2.2961% | 7,152 |
| Pretax return on assets | -1.0839% | 6,683 |
| Return on Equity (ROE) | -28.9848% | 7,211 |
| Retained earnings to average equity (ytd only) | -28.9848% | 7,199 |
| Net charge-offs to loans | 1.0612% | 2,085 |
| Credit loss provision to net charge-offs | 264.1107% | 1,063 |
| Earnings coverage of net charge-offs (x) | 1.3338% | 4,771 |
| Efficiency ratio | 75.1999% | 3,164 |
| Assets per employee ($millions) | 4.3333% | 3,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9771% | 416 |
| Loan loss allowance to noncurrent loans | 46.8185% | 5,198 |
| Noncurrent assets plus other real estate owned to assets | 8.2846% | 579 |
| Noncurrent loans to loans | 8.4947% | 579 |
| Net loans and leases to total assets | 71.6748% | 2,168 |
| Net loans and leases to deposits | 84.7584% | 2,330 |
| Net loans and leases to core deposits | 95.1756% | 2,102 |
| Total domestic deposits to total assets | 83.8168% | 4,443 |
| Equity capital to assets | 6.2839% | 7,296 |
| Core capital (leverage) ratio | 5.7942% | 7,333 |
| Tier 1 risk-based capital ratio | 8.4726% | 7,308 |
| Total risk-based capital ratio | 9.7598% | 7,313 |
| Memoranda: | ||
| Average total assets | $640,832,400 | 1,043 |
| Average earning assets | $588,429,000 | 1,028 |
| Average equity | $50,764,600 | 1,309 |
| Average total loans | $503,850,000 | 891 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4182% | 2,803 |
| Cost of funding earning assets | 1.3006% | 4,215 |
| Net interest margin | 4.1176% | 2,541 |
| Noninterest income to average assets | 0.9970% | 1,474 |
| Noninterest expense to average assets | 3.2454% | 2,758 |
| Loan and lease loss provision to assets | 0.8241% | 1,836 |
| Net operating income to assets | 0.4615% | 4,485 |
| Return on assets (ROA) | 0.4672% | 4,648 |
| Pretax return on assets | 0.7082% | 4,206 |
| Return on Equity (ROE) | 5.6102% | 3,999 |
| Retained earnings to average equity (ytd only) | 5.6102% | 2,584 |
| Net charge-offs to loans | -0.0600% | 7,490 |
| Credit loss provision to net charge-offs | -1,724.7826% | 7,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0519% | 4,456 |
| Assets per employee ($millions) | 4.4662% | 2,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9012% | 904 |
| Loan loss allowance to noncurrent loans | 46.6536% | 5,182 |
| Noncurrent assets plus other real estate owned to assets | 6.3609% | 904 |
| Noncurrent loans to loans | 6.2185% | 980 |
| Net loans and leases to total assets | 71.1265% | 2,457 |
| Net loans and leases to deposits | 87.5462% | 2,070 |
| Net loans and leases to core deposits | 101.3848% | 1,709 |
| Total domestic deposits to total assets | 80.4434% | 5,562 |
| Equity capital to assets | 8.2703% | 6,537 |
| Core capital (leverage) ratio | 8.2528% | 5,958 |
| Tier 1 risk-based capital ratio | 11.3338% | 6,069 |
| Total risk-based capital ratio | 12.6060% | 6,036 |
| Memoranda: | ||
| Average total assets | $641,792,500 | 1,052 |
| Average earning assets | $587,928,250 | 1,032 |
| Average equity | $53,448,750 | 1,251 |
| Average total loans | $510,944,250 | 885 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5567% | 2,304 |
| Cost of funding earning assets | 1.3313% | 4,322 |
| Net interest margin | 4.2254% | 2,069 |
| Noninterest income to average assets | 0.0799% | 7,187 |
| Noninterest expense to average assets | 3.3567% | 2,385 |
| Loan and lease loss provision to assets | 0.8594% | 1,692 |
| Net operating income to assets | -0.1206% | 6,258 |
| Return on assets (ROA) | -0.1125% | 6,320 |
| Pretax return on assets | -0.2650% | 6,390 |
| Return on Equity (ROE) | -1.3479% | 6,361 |
| Retained earnings to average equity (ytd only) | -1.3479% | 6,039 |
| Net charge-offs to loans | -0.0577% | 7,468 |
| Credit loss provision to net charge-offs | -1,819.4631% | 6,962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2302% | 1,795 |
| Assets per employee ($millions) | 4.1143% | 3,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5893% | 1,204 |
| Loan loss allowance to noncurrent loans | 43.8576% | 5,384 |
| Noncurrent assets plus other real estate owned to assets | 7.0808% | 745 |
| Noncurrent loans to loans | 5.9038% | 1,091 |
| Net loans and leases to total assets | 77.6637% | 1,170 |
| Net loans and leases to deposits | 94.7765% | 1,178 |
| Net loans and leases to core deposits | 106.6864% | 1,393 |
| Total domestic deposits to total assets | 81.2754% | 5,302 |
| Equity capital to assets | 8.4345% | 6,245 |
| Core capital (leverage) ratio | 7.7677% | 6,537 |
| Tier 1 risk-based capital ratio | 10.3594% | 6,792 |
| Total risk-based capital ratio | 11.6272% | 6,771 |
| Memoranda: | ||
| Average total assets | $630,924,000 | 1,073 |
| Average earning assets | $576,133,330 | 1,063 |
| Average equity | $52,673,330 | 1,264 |
| Average total loans | $516,589,670 | 882 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5891% | 2,198 |
| Cost of funding earning assets | 1.3467% | 4,524 |
| Net interest margin | 4.2423% | 1,883 |
| Noninterest income to average assets | 0.2166% | 6,416 |
| Noninterest expense to average assets | 3.3342% | 2,415 |
| Loan and lease loss provision to assets | 0.1938% | 4,562 |
| Net operating income to assets | 0.2978% | 5,310 |
| Return on assets (ROA) | 0.3160% | 5,355 |
| Pretax return on assets | 0.5972% | 4,613 |
| Return on Equity (ROE) | 3.8046% | 4,980 |
| Retained earnings to average equity (ytd only) | 3.8046% | 3,860 |
| Net charge-offs to loans | -0.0557% | 7,374 |
| Credit loss provision to net charge-offs | -419.1781% | 6,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3882% | 2,366 |
| Assets per employee ($millions) | 4.2590% | 3,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0210% | 2,132 |
| Loan loss allowance to noncurrent loans | 30.8247% | 6,353 |
| Noncurrent assets plus other real estate owned to assets | 6.9618% | 775 |
| Noncurrent loans to loans | 6.5564% | 949 |
| Net loans and leases to total assets | 79.2599% | 939 |
| Net loans and leases to deposits | 96.9703% | 1,001 |
| Net loans and leases to core deposits | 112.1210% | 1,156 |
| Total domestic deposits to total assets | 81.0380% | 5,447 |
| Equity capital to assets | 8.1950% | 6,438 |
| Core capital (leverage) ratio | 7.8254% | 6,464 |
| Tier 1 risk-based capital ratio | 9.6504% | 7,226 |
| Total risk-based capital ratio | 10.9106% | 7,218 |
| Memoranda: | ||
| Average total assets | $631,642,500 | 1,095 |
| Average earning assets | $577,700,000 | 1,087 |
| Average equity | $52,463,000 | 1,280 |
| Average total loans | $523,945,500 | 894 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6787% | 3,213 |
| Cost of funding earning assets | 2.1040% | 2,440 |
| Net interest margin | 3.5747% | 4,638 |
| Noninterest income to average assets | 0.1954% | 6,700 |
| Noninterest expense to average assets | 3.1296% | 3,615 |
| Loan and lease loss provision to assets | 2.6998% | 700 |
| Net operating income to assets | -1.6767% | 6,952 |
| Return on assets (ROA) | -1.5418% | 6,888 |
| Pretax return on assets | -2.1242% | 6,988 |
| Return on Equity (ROE) | -17.9794% | 7,077 |
| Retained earnings to average equity (ytd only) | -17.9794% | 7,031 |
| Net charge-offs to loans | 3.0885% | 669 |
| Credit loss provision to net charge-offs | 109.2818% | 5,052 |
| Earnings coverage of net charge-offs (x) | 0.1582% | 6,001 |
| Efficiency ratio | 88.8961% | 1,809 |
| Assets per employee ($millions) | 4.0801% | 3,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9208% | 2,213 |
| Loan loss allowance to noncurrent loans | 30.3971% | 6,441 |
| Noncurrent assets plus other real estate owned to assets | 7.0764% | 708 |
| Noncurrent loans to loans | 6.3190% | 962 |
| Net loans and leases to total assets | 83.4464% | 497 |
| Net loans and leases to deposits | 103.8457% | 657 |
| Net loans and leases to core deposits | 150.6474% | 497 |
| Total domestic deposits to total assets | 79.3566% | 5,887 |
| Equity capital to assets | 8.4207% | 6,030 |
| Core capital (leverage) ratio | 7.4148% | 6,871 |
| Tier 1 risk-based capital ratio | 9.3781% | 7,286 |
| Total risk-based capital ratio | 10.6370% | 7,269 |
| Memoranda: | ||
| Average total assets | $701,689,600 | 980 |
| Average earning assets | $652,698,200 | 954 |
| Average equity | $60,174,400 | 1,101 |
| Average total loans | $561,279,400 | 856 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6426% | 3,619 |
| Cost of funding earning assets | 2.2168% | 2,327 |
| Net interest margin | 3.4258% | 5,168 |
| Noninterest income to average assets | 0.0356% | 7,710 |
| Noninterest expense to average assets | 3.0920% | 3,675 |
| Loan and lease loss provision to assets | 0.9458% | 2,033 |
| Net operating income to assets | -0.3239% | 6,232 |
| Return on assets (ROA) | -0.2044% | 6,080 |
| Pretax return on assets | -0.6153% | 6,406 |
| Return on Equity (ROE) | -2.3744% | 6,147 |
| Retained earnings to average equity (ytd only) | -2.3744% | 5,790 |
| Net charge-offs to loans | 0.6670% | 2,691 |
| Credit loss provision to net charge-offs | 179.7193% | 2,557 |
| Earnings coverage of net charge-offs (x) | 0.2733% | 5,735 |
| Efficiency ratio | 95.5547% | 1,300 |
| Assets per employee ($millions) | 4.1373% | 3,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9737% | 1,863 |
| Loan loss allowance to noncurrent loans | 38.4654% | 5,812 |
| Noncurrent assets plus other real estate owned to assets | 6.4261% | 791 |
| Noncurrent loans to loans | 5.1312% | 1,260 |
| Net loans and leases to total assets | 78.0863% | 1,553 |
| Net loans and leases to deposits | 99.5979% | 1,143 |
| Net loans and leases to core deposits | 145.8035% | 695 |
| Total domestic deposits to total assets | 77.5182% | 6,212 |
| Equity capital to assets | 9.0507% | 5,414 |
| Core capital (leverage) ratio | 8.5164% | 5,462 |
| Tier 1 risk-based capital ratio | 11.0378% | 5,912 |
| Total risk-based capital ratio | 12.2975% | 5,859 |
| Memoranda: | ||
| Average total assets | $722,068,500 | 955 |
| Average earning assets | $674,515,250 | 932 |
| Average equity | $62,162,250 | 1,078 |
| Average total loans | $569,687,250 | 855 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6956% | 3,562 |
| Cost of funding earning assets | 2.3259% | 2,257 |
| Net interest margin | 3.3697% | 5,287 |
| Noninterest income to average assets | 0.1107% | 7,431 |
| Noninterest expense to average assets | 3.0558% | 3,862 |
| Loan and lease loss provision to assets | 0.3058% | 4,118 |
| Net operating income to assets | 0.0166% | 5,788 |
| Return on assets (ROA) | 0.2284% | 5,250 |
| Pretax return on assets | 0.1194% | 5,629 |
| Return on Equity (ROE) | 2.6961% | 5,019 |
| Retained earnings to average equity (ytd only) | 2.6961% | 3,831 |
| Net charge-offs to loans | -0.4189% | 8,095 |
| Credit loss provision to net charge-offs | -92.8040% | 6,944 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4723% | 1,535 |
| Assets per employee ($millions) | 4.4267% | 2,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9143% | 1,758 |
| Loan loss allowance to noncurrent loans | 36.6977% | 5,966 |
| Noncurrent assets plus other real estate owned to assets | 5.6590% | 881 |
| Noncurrent loans to loans | 5.2163% | 1,148 |
| Net loans and leases to total assets | 76.1639% | 2,142 |
| Net loans and leases to deposits | 96.0274% | 1,796 |
| Net loans and leases to core deposits | 141.5355% | 952 |
| Total domestic deposits to total assets | 78.6636% | 5,908 |
| Equity capital to assets | 8.5577% | 5,961 |
| Core capital (leverage) ratio | 8.2661% | 5,861 |
| Tier 1 risk-based capital ratio | 10.7216% | 6,168 |
| Total risk-based capital ratio | 11.9805% | 6,098 |
| Memoranda: | ||
| Average total assets | $733,828,670 | 949 |
| Average earning assets | $687,825,670 | 928 |
| Average equity | $62,163,330 | 1,098 |
| Average total loans | $577,221,330 | 860 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9195% | 2,703 |
| Cost of funding earning assets | 2.4130% | 2,242 |
| Net interest margin | 3.5065% | 4,704 |
| Noninterest income to average assets | 0.1626% | 7,142 |
| Noninterest expense to average assets | 2.9975% | 3,780 |
| Loan and lease loss provision to assets | 0.5009% | 2,463 |
| Net operating income to assets | 0.1751% | 5,732 |
| Return on assets (ROA) | 0.2556% | 5,628 |
| Pretax return on assets | 0.0440% | 6,288 |
| Return on Equity (ROE) | 3.0326% | 5,359 |
| Retained earnings to average equity (ytd only) | 3.0326% | 4,192 |
| Net charge-offs to loans | 0.6155% | 1,941 |
| Credit loss provision to net charge-offs | 102.7902% | 3,651 |
| Earnings coverage of net charge-offs (x) | 0.9531% | 4,296 |
| Efficiency ratio | 86.5850% | 2,008 |
| Assets per employee ($millions) | 4.6436% | 2,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5007% | 2,986 |
| Loan loss allowance to noncurrent loans | 74.2984% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 3.1603% | 1,770 |
| Noncurrent loans to loans | 2.0199% | 3,238 |
| Net loans and leases to total assets | 75.5397% | 2,383 |
| Net loans and leases to deposits | 94.8111% | 2,135 |
| Net loans and leases to core deposits | 140.0348% | 1,098 |
| Total domestic deposits to total assets | 78.9817% | 5,736 |
| Equity capital to assets | 8.3625% | 6,297 |
| Core capital (leverage) ratio | 8.2037% | 6,095 |
| Tier 1 risk-based capital ratio | 10.5054% | 6,390 |
| Total risk-based capital ratio | 11.7591% | 6,297 |
| Memoranda: | ||
| Average total assets | $735,538,500 | 947 |
| Average earning assets | $692,086,000 | 926 |
| Average equity | $61,992,000 | 1,104 |
| Average total loans | $582,249,500 | 856 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5287% | 2,815 |
| Cost of funding earning assets | 2.8326% | 2,572 |
| Net interest margin | 3.6961% | 4,489 |
| Noninterest income to average assets | 0.2217% | 6,855 |
| Noninterest expense to average assets | 2.7582% | 5,015 |
| Loan and lease loss provision to assets | 0.5946% | 2,449 |
| Net operating income to assets | 0.3419% | 5,388 |
| Return on assets (ROA) | 0.3596% | 5,116 |
| Pretax return on assets | 0.3869% | 5,302 |
| Return on Equity (ROE) | 4.3385% | 4,663 |
| Retained earnings to average equity (ytd only) | 3.5109% | 2,955 |
| Net charge-offs to loans | 0.5656% | 2,118 |
| Credit loss provision to net charge-offs | 128.9114% | 4,135 |
| Earnings coverage of net charge-offs (x) | 2.0866% | 5,033 |
| Efficiency ratio | 74.1325% | 3,550 |
| Assets per employee ($millions) | 4.6674% | 2,371 |
| Cash dividends to net income (ytd only)* | 19.0767% | 4,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4336% | 3,012 |
| Loan loss allowance to noncurrent loans | 32.3727% | 6,562 |
| Noncurrent assets plus other real estate owned to assets | 3.6172% | 1,217 |
| Noncurrent loans to loans | 4.4285% | 1,078 |
| Net loans and leases to total assets | 80.5081% | 1,548 |
| Net loans and leases to deposits | 101.2098% | 1,677 |
| Net loans and leases to core deposits | 146.2107% | 1,012 |
| Total domestic deposits to total assets | 78.7596% | 5,462 |
| Equity capital to assets | 8.4950% | 6,094 |
| Core capital (leverage) ratio | 8.2341% | 6,096 |
| Tier 1 risk-based capital ratio | 10.2369% | 6,479 |
| Total risk-based capital ratio | 11.4903% | 6,344 |
| Memoranda: | ||
| Average total assets | $728,892,000 | 916 |
| Average earning assets | $689,997,600 | 885 |
| Average equity | $60,412,600 | 1,113 |
| Average total loans | $594,381,800 | 805 |