Home > Fieldpoint Private Bank & Trust > Performance and Condition Ratios
Fieldpoint Private Bank & Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0011% | 2,068 |
| Cost of funding earning assets | 3.9247% | 41 |
| Net interest margin | 1.0763% | 4,539 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 2.2444% | 2,997 |
| Loan and lease loss provision to assets | 0.9000% | 80 |
| Net operating income to assets | -2.6338% | 4,578 |
| Return on assets (ROA) | -2.7729% | 4,576 |
| Pretax return on assets | -2.0846% | 4,562 |
| Return on Equity (ROE) | -44.8300% | 4,568 |
| Retained earnings to average equity (ytd only) | -44.8275% | 4,553 |
| Net charge-offs to loans | 1.2479% | 75 |
| Credit loss provision to net charge-offs | 99.7182% | 1,856 |
| Earnings coverage of net charge-offs (x) | -1.1615% | 4,530 |
| Efficiency ratio | 187.2757% | 17 |
| Assets per employee ($millions) | 14.9082% | 215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2309% | 2,110 |
| Loan loss allowance to noncurrent loans | 151.4251% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 1.0733% | 438 |
| Noncurrent loans to loans | 0.8129% | 951 |
| Net loans and leases to total assets | 74.6200% | 1,283 |
| Net loans and leases to deposits | 125.0878% | 58 |
| Net loans and leases to core deposits | 265.7779% | 57 |
| Total domestic deposits to total assets | 59.6600% | 4,441 |
| Equity capital to assets | 6.4779% | 4,123 |
| Core capital (leverage) ratio | 6.0405% | 4,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4111% | 2,736 |
| Memoranda: | ||
| Average total assets | $1,456,893,800 | 731 |
| Average earning assets | $1,368,932,200 | 717 |
| Average equity | $90,118,800 | 1,029 |
| Average total loans | $1,052,226,400 | 698 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7339% | 2,403 |
| Cost of funding earning assets | 3.6528% | 50 |
| Net interest margin | 1.0811% | 4,556 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 2.1568% | 3,197 |
| Loan and lease loss provision to assets | 1.0300% | 58 |
| Net operating income to assets | -2.2456% | 4,603 |
| Return on assets (ROA) | -2.3550% | 4,604 |
| Pretax return on assets | -2.1332% | 4,596 |
| Return on Equity (ROE) | -38.4400% | 4,594 |
| Retained earnings to average equity (ytd only) | -38.4378% | 4,581 |
| Net charge-offs to loans | 1.5544% | 53 |
| Credit loss provision to net charge-offs | 92.1848% | 1,682 |
| Earnings coverage of net charge-offs (x) | -0.8978% | 4,567 |
| Efficiency ratio | 186.0767% | 22 |
| Assets per employee ($millions) | 18.6116% | 110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0145% | 3,295 |
| Loan loss allowance to noncurrent loans | 121.3088% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 0.9658% | 550 |
| Noncurrent loans to loans | 0.8363% | 988 |
| Net loans and leases to total assets | 61.3700% | 2,717 |
| Net loans and leases to deposits | 88.0835% | 1,376 |
| Net loans and leases to core deposits | 294.3703% | 17 |
| Total domestic deposits to total assets | 69.6700% | 4,334 |
| Equity capital to assets | 5.1360% | 4,226 |
| Core capital (leverage) ratio | 6.6870% | 4,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7974% | 2,853 |
| Memoranda: | ||
| Average total assets | $1,515,499,250 | 717 |
| Average earning assets | $1,425,082,500 | 694 |
| Average equity | $92,850,750 | 999 |
| Average total loans | $1,084,374,750 | 684 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7927% | 2,009 |
| Cost of funding earning assets | 3.7165% | 32 |
| Net interest margin | 1.0762% | 4,595 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 2.1799% | 3,133 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | -0.7592% | 4,585 |
| Return on assets (ROA) | -0.9144% | 4,592 |
| Pretax return on assets | -1.2211% | 4,596 |
| Return on Equity (ROE) | -14.0700% | 4,596 |
| Retained earnings to average equity (ytd only) | -14.0691% | 4,553 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 184.4965% | 24 |
| Assets per employee ($millions) | 15.4739% | 176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0744% | 3,071 |
| Loan loss allowance to noncurrent loans | 129.2309% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 1.1692% | 357 |
| Noncurrent loans to loans | 0.8314% | 923 |
| Net loans and leases to total assets | 75.5800% | 1,095 |
| Net loans and leases to deposits | 107.7388% | 256 |
| Net loans and leases to core deposits | 331.0574% | 15 |
| Total domestic deposits to total assets | 70.1500% | 4,358 |
| Equity capital to assets | 6.4867% | 3,997 |
| Core capital (leverage) ratio | 6.7734% | 4,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5327% | 2,904 |
| Memoranda: | ||
| Average total assets | $1,468,521,000 | 718 |
| Average earning assets | $1,377,803,333 | 702 |
| Average equity | $95,443,000 | 973 |
| Average total loans | $1,103,526,333 | 661 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5197% | 2,268 |
| Cost of funding earning assets | 3.4056% | 9 |
| Net interest margin | 1.1141% | 4,653 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.4061% | 2,512 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | -0.9028% | 4,615 |
| Return on assets (ROA) | -1.1251% | 4,623 |
| Pretax return on assets | -1.4622% | 4,626 |
| Return on Equity (ROE) | -17.3000% | 4,629 |
| Retained earnings to average equity (ytd only) | -17.2951% | 4,575 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 182.6301% | 29 |
| Assets per employee ($millions) | 22.5174% | 80 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0729% | 3,191 |
| Loan loss allowance to noncurrent loans | 112.8241% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 1.1771% | 313 |
| Noncurrent loans to loans | 0.9510% | 790 |
| Net loans and leases to total assets | 71.0000% | 1,523 |
| Net loans and leases to deposits | 94.0444% | 785 |
| Net loans and leases to core deposits | 125.6602% | 334 |
| Total domestic deposits to total assets | 75.5000% | 4,192 |
| Equity capital to assets | 6.0609% | 4,180 |
| Core capital (leverage) ratio | 7.3118% | 4,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3787% | 3,003 |
| Memoranda: | ||
| Average total assets | $1,483,245,500 | 728 |
| Average earning assets | $1,392,291,500 | 708 |
| Average equity | $96,490,000 | 975 |
| Average total loans | $1,105,533,500 | 666 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3057% | 3,580 |
| Cost of funding earning assets | 1.1026% | 105 |
| Net interest margin | 2.2031% | 4,477 |
| Noninterest income to average assets | 0.0600% | 4,553 |
| Noninterest expense to average assets | 2.3884% | 2,461 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | -0.2442% | 4,611 |
| Return on assets (ROA) | -0.3955% | 4,628 |
| Pretax return on assets | -0.5468% | 4,630 |
| Return on Equity (ROE) | -5.3500% | 4,630 |
| Retained earnings to average equity (ytd only) | -6.3482% | 4,598 |
| Net charge-offs to loans | 0.0375% | 1,345 |
| Credit loss provision to net charge-offs | 651.5789% | 566 |
| Earnings coverage of net charge-offs (x) | -8.2289% | 4,693 |
| Efficiency ratio | 110.1523% | 91 |
| Assets per employee ($millions) | 13.3297% | 284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0276% | 3,217 |
| Loan loss allowance to noncurrent loans | 125.9732% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 1.2275% | 306 |
| Noncurrent loans to loans | 0.8158% | 908 |
| Net loans and leases to total assets | 76.7700% | 922 |
| Net loans and leases to deposits | 91.8843% | 922 |
| Net loans and leases to core deposits | 98.1500% | 1,093 |
| Total domestic deposits to total assets | 83.5500% | 3,303 |
| Equity capital to assets | 6.9737% | 3,681 |
| Core capital (leverage) ratio | 7.9918% | 4,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3555% | 2,899 |
| Memoranda: | ||
| Average total assets | $1,420,521,000 | 735 |
| Average earning assets | $1,359,176,400 | 704 |
| Average equity | $105,037,400 | 913 |
| Average total loans | $1,014,531,600 | 672 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0376% | 3,817 |
| Cost of funding earning assets | 0.6277% | 378 |
| Net interest margin | 2.4098% | 4,313 |
| Noninterest income to average assets | 0.0400% | 4,631 |
| Noninterest expense to average assets | 2.3431% | 2,500 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | -0.0816% | 4,621 |
| Return on assets (ROA) | -0.0367% | 4,587 |
| Pretax return on assets | -0.0874% | 4,593 |
| Return on Equity (ROE) | -0.4900% | 4,574 |
| Retained earnings to average equity (ytd only) | -1.5513% | 4,461 |
| Net charge-offs to loans | -0.0251% | 4,073 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 99.3285% | 164 |
| Assets per employee ($millions) | 11.8550% | 400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0536% | 3,230 |
| Loan loss allowance to noncurrent loans | 92.1266% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 1.2253% | 329 |
| Noncurrent loans to loans | 1.1437% | 648 |
| Net loans and leases to total assets | 75.8600% | 922 |
| Net loans and leases to deposits | 91.5229% | 791 |
| Net loans and leases to core deposits | 94.9117% | 1,048 |
| Total domestic deposits to total assets | 82.8900% | 3,708 |
| Equity capital to assets | 7.3108% | 3,332 |
| Core capital (leverage) ratio | 8.5314% | 4,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8865% | 2,851 |
| Memoranda: | ||
| Average total assets | $1,422,414,750 | 740 |
| Average earning assets | $1,366,977,250 | 706 |
| Average equity | $106,663,000 | 915 |
| Average total loans | $994,187,000 | 680 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7874% | 3,999 |
| Cost of funding earning assets | 0.3441% | 1,323 |
| Net interest margin | 2.4433% | 4,172 |
| Noninterest income to average assets | 1.5800% | 313 |
| Noninterest expense to average assets | 3.6642% | 369 |
| Loan and lease loss provision to assets | 0.1708% | 529 |
| Net operating income to assets | 0.0735% | 4,538 |
| Return on assets (ROA) | 0.0678% | 4,508 |
| Pretax return on assets | 0.0978% | 4,490 |
| Return on Equity (ROE) | 0.8968% | 4,474 |
| Retained earnings to average equity (ytd only) | -0.0183% | 4,175 |
| Net charge-offs to loans | -0.0382% | 4,135 |
| Credit loss provision to net charge-offs | -660.4278% | 3,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0003% | 323 |
| Assets per employee ($millions) | 11.5368% | 432 |
| Cash dividends to net income (ytd only)* | 102.0408% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0641% | 3,305 |
| Loan loss allowance to noncurrent loans | 89.3502% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 1.2164% | 346 |
| Noncurrent loans to loans | 1.1910% | 672 |
| Net loans and leases to total assets | 72.3108% | 1,073 |
| Net loans and leases to deposits | 78.9960% | 1,470 |
| Net loans and leases to core deposits | 82.3589% | 1,572 |
| Total domestic deposits to total assets | 91.5373% | 1,019 |
| Equity capital to assets | 7.7157% | 3,336 |
| Core capital (leverage) ratio | 7.9647% | 4,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6854% | 2,618 |
| Memoranda: | ||
| Average total assets | $1,446,061,333 | 719 |
| Average earning assets | $1,396,717,333 | 691 |
| Average equity | $109,282,667 | 909 |
| Average total loans | $980,204,000 | 680 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5600% | 4,185 |
| Cost of funding earning assets | 0.2451% | 2,214 |
| Net interest margin | 2.3148% | 4,212 |
| Noninterest income to average assets | 1.9218% | 256 |
| Noninterest expense to average assets | 3.8903% | 302 |
| Loan and lease loss provision to assets | 0.0511% | 1,458 |
| Net operating income to assets | 0.1713% | 4,374 |
| Return on assets (ROA) | 0.1647% | 4,354 |
| Pretax return on assets | 0.2104% | 4,315 |
| Return on Equity (ROE) | 2.2010% | 4,230 |
| Retained earnings to average equity (ytd only) | 1.3033% | 3,746 |
| Net charge-offs to loans | -0.0769% | 4,389 |
| Credit loss provision to net charge-offs | -101.6043% | 2,888 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5142% | 405 |
| Assets per employee ($millions) | 10.9032% | 528 |
| Cash dividends to net income (ytd only)* | 40.7830% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9709% | 3,833 |
| Loan loss allowance to noncurrent loans | 80.5316% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 1.0621% | 459 |
| Noncurrent loans to loans | 1.2056% | 736 |
| Net loans and leases to total assets | 62.4286% | 1,801 |
| Net loans and leases to deposits | 68.5987% | 2,086 |
| Net loans and leases to core deposits | 71.6124% | 2,144 |
| Total domestic deposits to total assets | 91.0055% | 1,028 |
| Equity capital to assets | 6.9869% | 4,225 |
| Core capital (leverage) ratio | 7.6256% | 4,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6962% | 2,718 |
| Memoranda: | ||
| Average total assets | $1,488,418,000 | 700 |
| Average earning assets | $1,439,242,500 | 682 |
| Average equity | $111,405,500 | 920 |
| Average total loans | $972,811,500 | 682 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8305% | 4,163 |
| Cost of funding earning assets | 0.2641% | 2,766 |
| Net interest margin | 2.5664% | 4,098 |
| Noninterest income to average assets | 2.1292% | 282 |
| Noninterest expense to average assets | 4.1147% | 269 |
| Loan and lease loss provision to assets | 0.2543% | 362 |
| Net operating income to assets | 0.1787% | 4,556 |
| Return on assets (ROA) | 0.1866% | 4,567 |
| Pretax return on assets | 0.2447% | 4,532 |
| Return on Equity (ROE) | 1.9686% | 4,502 |
| Retained earnings to average equity (ytd only) | 0.6480% | 4,344 |
| Net charge-offs to loans | 0.2044% | 465 |
| Credit loss provision to net charge-offs | 168.1567% | 1,415 |
| Earnings coverage of net charge-offs (x) | 3.2323% | 2,557 |
| Efficiency ratio | 89.3803% | 348 |
| Assets per employee ($millions) | 9.7713% | 712 |
| Cash dividends to net income (ytd only)* | 67.0841% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9520% | 3,927 |
| Loan loss allowance to noncurrent loans | 65.4176% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 1.3212% | 345 |
| Noncurrent loans to loans | 1.4553% | 634 |
| Net loans and leases to total assets | 67.3011% | 1,334 |
| Net loans and leases to deposits | 75.3228% | 1,615 |
| Net loans and leases to core deposits | 79.0614% | 1,672 |
| Total domestic deposits to total assets | 89.3503% | 1,326 |
| Equity capital to assets | 8.0163% | 4,354 |
| Core capital (leverage) ratio | 8.7976% | 3,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1295% | 2,586 |
| Memoranda: | ||
| Average total assets | $1,198,017,000 | 827 |
| Average earning assets | $1,155,063,000 | 804 |
| Average equity | $113,581,400 | 916 |
| Average total loans | $886,284,600 | 734 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8673% | 4,216 |
| Cost of funding earning assets | 0.2788% | 2,815 |
| Net interest margin | 2.5885% | 4,150 |
| Noninterest income to average assets | 2.1746% | 303 |
| Noninterest expense to average assets | 4.1769% | 255 |
| Loan and lease loss provision to assets | 0.2701% | 318 |
| Net operating income to assets | 0.1713% | 4,651 |
| Return on assets (ROA) | 0.1834% | 4,659 |
| Pretax return on assets | 0.2365% | 4,646 |
| Return on Equity (ROE) | 1.8465% | 4,615 |
| Retained earnings to average equity (ytd only) | 0.9074% | 4,428 |
| Net charge-offs to loans | 0.0563% | 1,082 |
| Credit loss provision to net charge-offs | 632.7869% | 683 |
| Earnings coverage of net charge-offs (x) | 11.5082% | 1,994 |
| Efficiency ratio | 89.4776% | 336 |
| Assets per employee ($millions) | 9.7547% | 694 |
| Cash dividends to net income (ytd only)* | 50.8582% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0616% | 3,613 |
| Loan loss allowance to noncurrent loans | 63.9299% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 1.5201% | 321 |
| Noncurrent loans to loans | 1.6605% | 611 |
| Net loans and leases to total assets | 69.4170% | 1,140 |
| Net loans and leases to deposits | 78.3614% | 1,451 |
| Net loans and leases to core deposits | 83.6014% | 1,458 |
| Total domestic deposits to total assets | 88.5857% | 1,522 |
| Equity capital to assets | 8.5841% | 4,150 |
| Core capital (leverage) ratio | 9.2400% | 3,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9952% | 2,363 |
| Memoranda: | ||
| Average total assets | $1,143,310,250 | 875 |
| Average earning assets | $1,101,364,500 | 841 |
| Average equity | $113,582,000 | 927 |
| Average total loans | $867,176,500 | 764 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9393% | 4,161 |
| Cost of funding earning assets | 0.2940% | 2,833 |
| Net interest margin | 2.6453% | 4,090 |
| Noninterest income to average assets | 2.2087% | 289 |
| Noninterest expense to average assets | 4.2273% | 246 |
| Loan and lease loss provision to assets | 0.2449% | 405 |
| Net operating income to assets | 0.2132% | 4,620 |
| Return on assets (ROA) | 0.2332% | 4,614 |
| Pretax return on assets | 0.3096% | 4,578 |
| Return on Equity (ROE) | 2.2241% | 4,574 |
| Retained earnings to average equity (ytd only) | 1.2548% | 4,289 |
| Net charge-offs to loans | 0.0865% | 814 |
| Credit loss provision to net charge-offs | 362.0219% | 810 |
| Earnings coverage of net charge-offs (x) | 7.8224% | 1,912 |
| Efficiency ratio | 88.8759% | 369 |
| Assets per employee ($millions) | 9.2800% | 777 |
| Cash dividends to net income (ytd only)* | 43.5816% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9894% | 3,862 |
| Loan loss allowance to noncurrent loans | 57.3326% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 1.7568% | 271 |
| Noncurrent loans to loans | 1.7258% | 608 |
| Net loans and leases to total assets | 77.3090% | 490 |
| Net loans and leases to deposits | 88.8787% | 721 |
| Net loans and leases to core deposits | 96.0974% | 801 |
| Total domestic deposits to total assets | 86.9826% | 2,331 |
| Equity capital to assets | 9.9359% | 2,905 |
| Core capital (leverage) ratio | 9.9832% | 2,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3391% | 2,232 |
| Memoranda: | ||
| Average total assets | $1,082,199,000 | 905 |
| Average earning assets | $1,042,285,333 | 874 |
| Average equity | $113,482,667 | 917 |
| Average total loans | $845,969,667 | 782 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9204% | 4,227 |
| Cost of funding earning assets | 0.3086% | 2,901 |
| Net interest margin | 2.6118% | 4,125 |
| Noninterest income to average assets | 2.2406% | 310 |
| Noninterest expense to average assets | 4.3793% | 221 |
| Loan and lease loss provision to assets | 0.4344% | 162 |
| Net operating income to assets | -0.0657% | 4,797 |
| Return on assets (ROA) | -0.0111% | 4,786 |
| Pretax return on assets | -0.0019% | 4,789 |
| Return on Equity (ROE) | -0.1026% | 4,786 |
| Retained earnings to average equity (ytd only) | -1.3409% | 4,491 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0565% | 329 |
| Assets per employee ($millions) | 9.4693% | 706 |
| Cash dividends to net income (ytd only)* | -1,206.8966% | 4,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0907% | 3,483 |
| Loan loss allowance to noncurrent loans | 53.3345% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 2.0293% | 246 |
| Noncurrent loans to loans | 2.0449% | 525 |
| Net loans and leases to total assets | 76.8621% | 550 |
| Net loans and leases to deposits | 89.1666% | 753 |
| Net loans and leases to core deposits | 96.9096% | 847 |
| Total domestic deposits to total assets | 86.2005% | 2,668 |
| Equity capital to assets | 10.5361% | 2,235 |
| Core capital (leverage) ratio | 10.7377% | 1,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4740% | 1,750 |
| Memoranda: | ||
| Average total assets | $1,047,936,000 | 919 |
| Average earning assets | $1,009,732,000 | 888 |
| Average equity | $113,056,500 | 910 |
| Average total loans | $819,702,500 | 799 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2308% | 4,418 |
| Cost of funding earning assets | 0.5396% | 2,685 |
| Net interest margin | 2.6912% | 4,390 |
| Noninterest income to average assets | 2.2715% | 281 |
| Noninterest expense to average assets | 4.2510% | 300 |
| Loan and lease loss provision to assets | 0.2772% | 1,381 |
| Net operating income to assets | 0.2394% | 4,519 |
| Return on assets (ROA) | 0.2394% | 4,584 |
| Pretax return on assets | 0.3221% | 4,516 |
| Return on Equity (ROE) | 2.0438% | 4,557 |
| Retained earnings to average equity (ytd only) | 1.8645% | 3,886 |
| Net charge-offs to loans | 0.1225% | 1,272 |
| Credit loss provision to net charge-offs | 282.3529% | 1,799 |
| Earnings coverage of net charge-offs (x) | 6.1048% | 2,809 |
| Efficiency ratio | 87.6445% | 459 |
| Assets per employee ($millions) | 9.4983% | 624 |
| Cash dividends to net income (ytd only)* | 8.7719% | 3,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9817% | 3,931 |
| Loan loss allowance to noncurrent loans | 70.3664% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 1.5579% | 453 |
| Noncurrent loans to loans | 1.3951% | 975 |
| Net loans and leases to total assets | 77.9825% | 607 |
| Net loans and leases to deposits | 91.3659% | 824 |
| Net loans and leases to core deposits | 99.2599% | 941 |
| Total domestic deposits to total assets | 85.3519% | 2,635 |
| Equity capital to assets | 11.0545% | 2,204 |
| Core capital (leverage) ratio | 11.6996% | 1,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9401% | 1,552 |
| Memoranda: | ||
| Average total assets | $952,471,400 | 922 |
| Average earning assets | $912,717,400 | 889 |
| Average equity | $111,555,800 | 877 |
| Average total loans | $763,338,800 | 811 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2781% | 4,504 |
| Cost of funding earning assets | 0.6173% | 2,507 |
| Net interest margin | 2.6607% | 4,510 |
| Noninterest income to average assets | 2.2938% | 275 |
| Noninterest expense to average assets | 4.1756% | 328 |
| Loan and lease loss provision to assets | 0.2624% | 1,550 |
| Net operating income to assets | 0.3086% | 4,434 |
| Return on assets (ROA) | 0.3086% | 4,483 |
| Pretax return on assets | 0.4046% | 4,424 |
| Return on Equity (ROE) | 2.5947% | 4,460 |
| Retained earnings to average equity (ytd only) | 2.4747% | 3,755 |
| Net charge-offs to loans | 0.0659% | 1,671 |
| Credit loss provision to net charge-offs | 494.0860% | 1,299 |
| Earnings coverage of net charge-offs (x) | 12.5618% | 2,245 |
| Efficiency ratio | 86.2267% | 490 |
| Assets per employee ($millions) | 9.0624% | 681 |
| Cash dividends to net income (ytd only)* | 4.6253% | 3,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9664% | 3,824 |
| Loan loss allowance to noncurrent loans | 68.6724% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 1.6882% | 469 |
| Noncurrent loans to loans | 1.4073% | 1,029 |
| Net loans and leases to total assets | 83.6323% | 312 |
| Net loans and leases to deposits | 99.5319% | 556 |
| Net loans and leases to core deposits | 107.2181% | 800 |
| Total domestic deposits to total assets | 84.0257% | 2,813 |
| Equity capital to assets | 12.0123% | 1,669 |
| Core capital (leverage) ratio | 11.9618% | 1,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4696% | 1,380 |
| Memoranda: | ||
| Average total assets | $934,134,750 | 930 |
| Average earning assets | $894,818,250 | 893 |
| Average equity | $111,095,000 | 878 |
| Average total loans | $752,201,000 | 816 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3508% | 4,591 |
| Cost of funding earning assets | 0.7423% | 2,164 |
| Net interest margin | 2.6085% | 4,647 |
| Noninterest income to average assets | 2.3065% | 247 |
| Noninterest expense to average assets | 4.1948% | 333 |
| Loan and lease loss provision to assets | 0.3032% | 1,423 |
| Net operating income to assets | 0.2160% | 4,553 |
| Return on assets (ROA) | 0.2160% | 4,594 |
| Pretax return on assets | 0.3071% | 4,527 |
| Return on Equity (ROE) | 1.8227% | 4,560 |
| Retained earnings to average equity (ytd only) | 1.6415% | 3,892 |
| Net charge-offs to loans | 0.1009% | 1,263 |
| Credit loss provision to net charge-offs | 379.5699% | 1,446 |
| Earnings coverage of net charge-offs (x) | 7.6398% | 2,349 |
| Efficiency ratio | 87.2989% | 489 |
| Assets per employee ($millions) | 10.1470% | 481 |
| Cash dividends to net income (ytd only)* | 9.9404% | 3,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9780% | 3,674 |
| Loan loss allowance to noncurrent loans | 69.8587% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 1.5843% | 571 |
| Noncurrent loans to loans | 1.3999% | 1,105 |
| Net loans and leases to total assets | 77.1335% | 976 |
| Net loans and leases to deposits | 91.3446% | 1,229 |
| Net loans and leases to core deposits | 98.3062% | 1,392 |
| Total domestic deposits to total assets | 84.4423% | 2,580 |
| Equity capital to assets | 11.7302% | 1,818 |
| Core capital (leverage) ratio | 11.6392% | 1,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9295% | 1,259 |
| Memoranda: | ||
| Average total assets | $931,348,667 | 910 |
| Average earning assets | $892,081,333 | 881 |
| Average equity | $110,388,333 | 872 |
| Average total loans | $737,627,667 | 821 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5461% | 4,588 |
| Cost of funding earning assets | 1.0041% | 1,396 |
| Net interest margin | 2.5420% | 4,795 |
| Noninterest income to average assets | 2.5366% | 193 |
| Noninterest expense to average assets | 4.2703% | 383 |
| Loan and lease loss provision to assets | 0.4399% | 691 |
| Net operating income to assets | 0.1422% | 4,607 |
| Return on assets (ROA) | 0.1422% | 4,613 |
| Pretax return on assets | 0.2630% | 4,504 |
| Return on Equity (ROE) | 1.1930% | 4,602 |
| Retained earnings to average equity (ytd only) | 0.8282% | 3,782 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8654% | 718 |
| Assets per employee ($millions) | 10.2262% | 359 |
| Cash dividends to net income (ytd only)* | 30.5810% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9883% | 3,769 |
| Loan loss allowance to noncurrent loans | 67.7715% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 1.6722% | 595 |
| Noncurrent loans to loans | 1.4583% | 1,097 |
| Net loans and leases to total assets | 78.7879% | 862 |
| Net loans and leases to deposits | 93.5657% | 1,119 |
| Net loans and leases to core deposits | 101.9592% | 1,325 |
| Total domestic deposits to total assets | 84.2060% | 2,710 |
| Equity capital to assets | 11.9289% | 2,123 |
| Core capital (leverage) ratio | 11.9769% | 1,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4267% | 1,248 |
| Memoranda: | ||
| Average total assets | $920,114,500 | 892 |
| Average earning assets | $881,976,000 | 864 |
| Average equity | $109,640,000 | 873 |
| Average total loans | $734,952,500 | 804 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8868% | 4,457 |
| Cost of funding earning assets | 1.2827% | 805 |
| Net interest margin | 2.6041% | 4,904 |
| Noninterest income to average assets | 2.2507% | 224 |
| Noninterest expense to average assets | 3.8805% | 608 |
| Loan and lease loss provision to assets | 0.0889% | 2,241 |
| Net operating income to assets | 0.5267% | 4,344 |
| Return on assets (ROA) | 0.5330% | 4,379 |
| Pretax return on assets | 0.7853% | 4,003 |
| Return on Equity (ROE) | 4.6123% | 4,319 |
| Retained earnings to average equity (ytd only) | 4.0289% | 2,947 |
| Net charge-offs to loans | 0.0533% | 2,343 |
| Credit loss provision to net charge-offs | 203.4826% | 1,304 |
| Earnings coverage of net charge-offs (x) | 19.8159% | 1,973 |
| Efficiency ratio | 81.7515% | 810 |
| Assets per employee ($millions) | 10.6962% | 314 |
| Cash dividends to net income (ytd only)* | 12.6479% | 3,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8442% | 4,172 |
| Loan loss allowance to noncurrent loans | 58.2959% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 1.6731% | 559 |
| Noncurrent loans to loans | 1.4481% | 1,010 |
| Net loans and leases to total assets | 79.5013% | 855 |
| Net loans and leases to deposits | 91.0904% | 1,474 |
| Net loans and leases to core deposits | 99.2102% | 1,629 |
| Total domestic deposits to total assets | 87.2774% | 1,468 |
| Equity capital to assets | 11.9029% | 2,196 |
| Core capital (leverage) ratio | 11.9460% | 1,811 |
| Tier 1 risk-based capital ratio | 16.4457% | 2,238 |
| Total risk-based capital ratio | 17.3949% | 2,303 |
| Memoranda: | ||
| Average total assets | $919,660,600 | 858 |
| Average earning assets | $881,473,000 | 820 |
| Average equity | $106,280,800 | 855 |
| Average total loans | $754,093,000 | 759 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9490% | 4,459 |
| Cost of funding earning assets | 1.3392% | 695 |
| Net interest margin | 2.6098% | 4,996 |
| Noninterest income to average assets | 2.2002% | 229 |
| Noninterest expense to average assets | 3.9107% | 587 |
| Loan and lease loss provision to assets | 0.0651% | 2,591 |
| Net operating income to assets | 0.4791% | 4,568 |
| Return on assets (ROA) | 0.4876% | 4,591 |
| Pretax return on assets | 0.7339% | 4,272 |
| Return on Equity (ROE) | 4.2510% | 4,541 |
| Retained earnings to average equity (ytd only) | 3.4673% | 3,671 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2243% | 669 |
| Assets per employee ($millions) | 10.6955% | 291 |
| Cash dividends to net income (ytd only)* | 18.4360% | 3,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8183% | 4,359 |
| Loan loss allowance to noncurrent loans | 56.4790% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 1.7169% | 586 |
| Noncurrent loans to loans | 1.4488% | 1,052 |
| Net loans and leases to total assets | 82.4798% | 507 |
| Net loans and leases to deposits | 104.2452% | 397 |
| Net loans and leases to core deposits | 115.5245% | 676 |
| Total domestic deposits to total assets | 79.1210% | 4,161 |
| Equity capital to assets | 11.6795% | 2,528 |
| Core capital (leverage) ratio | 11.5980% | 2,146 |
| Tier 1 risk-based capital ratio | 15.8989% | 2,475 |
| Total risk-based capital ratio | 16.8363% | 2,547 |
| Memoranda: | ||
| Average total assets | $919,607,000 | 854 |
| Average earning assets | $880,512,000 | 822 |
| Average equity | $105,478,000 | 859 |
| Average total loans | $758,231,500 | 752 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9741% | 4,429 |
| Cost of funding earning assets | 1.3298% | 684 |
| Net interest margin | 2.6443% | 5,046 |
| Noninterest income to average assets | 2.1741% | 235 |
| Noninterest expense to average assets | 3.7839% | 675 |
| Loan and lease loss provision to assets | 0.0977% | 1,912 |
| Net operating income to assets | 0.5738% | 4,375 |
| Return on assets (ROA) | 0.5738% | 4,413 |
| Pretax return on assets | 0.8232% | 4,041 |
| Return on Equity (ROE) | 5.0330% | 4,337 |
| Retained earnings to average equity (ytd only) | 4.8041% | 2,866 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4262% | 934 |
| Assets per employee ($millions) | 11.2434% | 255 |
| Cash dividends to net income (ytd only)* | 4.5489% | 3,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8014% | 4,436 |
| Loan loss allowance to noncurrent loans | 56.4790% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 1.6721% | 635 |
| Noncurrent loans to loans | 1.4190% | 1,090 |
| Net loans and leases to total assets | 82.0311% | 610 |
| Net loans and leases to deposits | 103.5493% | 445 |
| Net loans and leases to core deposits | 115.0511% | 727 |
| Total domestic deposits to total assets | 79.2194% | 4,180 |
| Equity capital to assets | 11.3855% | 2,717 |
| Core capital (leverage) ratio | 11.4193% | 2,231 |
| Tier 1 risk-based capital ratio | 15.1387% | 2,774 |
| Total risk-based capital ratio | 16.0300% | 2,857 |
| Memoranda: | ||
| Average total assets | $919,538,330 | 849 |
| Average earning assets | $880,002,330 | 816 |
| Average equity | $104,827,330 | 856 |
| Average total loans | $756,002,330 | 757 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0007% | 4,366 |
| Cost of funding earning assets | 1.2749% | 712 |
| Net interest margin | 2.7257% | 5,044 |
| Noninterest income to average assets | 2.1012% | 233 |
| Noninterest expense to average assets | 3.9079% | 596 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5481% | 4,384 |
| Return on assets (ROA) | 0.5481% | 4,413 |
| Pretax return on assets | 0.7973% | 4,051 |
| Return on Equity (ROE) | 4.8050% | 4,382 |
| Retained earnings to average equity (ytd only) | 4.8050% | 2,991 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0553% | 785 |
| Assets per employee ($millions) | 10.4496% | 298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7793% | 4,582 |
| Loan loss allowance to noncurrent loans | 75.4154% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 1.3655% | 931 |
| Noncurrent loans to loans | 1.0334% | 1,617 |
| Net loans and leases to total assets | 81.3661% | 661 |
| Net loans and leases to deposits | 97.5505% | 834 |
| Net loans and leases to core deposits | 108.5178% | 1,021 |
| Total domestic deposits to total assets | 83.4092% | 3,250 |
| Equity capital to assets | 11.5345% | 2,369 |
| Core capital (leverage) ratio | 11.5371% | 2,113 |
| Tier 1 risk-based capital ratio | 15.5184% | 2,643 |
| Total risk-based capital ratio | 16.3816% | 2,739 |
| Memoranda: | ||
| Average total assets | $907,086,000 | 863 |
| Average earning assets | $866,555,500 | 835 |
| Average equity | $103,476,000 | 861 |
| Average total loans | $743,505,500 | 772 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6752% | 4,699 |
| Cost of funding earning assets | 0.9930% | 778 |
| Net interest margin | 2.6822% | 5,108 |
| Noninterest income to average assets | 2.0678% | 256 |
| Noninterest expense to average assets | 3.6022% | 870 |
| Loan and lease loss provision to assets | 0.0248% | 3,673 |
| Net operating income to assets | 0.7269% | 4,050 |
| Return on assets (ROA) | 0.7302% | 4,044 |
| Pretax return on assets | 1.0128% | 3,558 |
| Return on Equity (ROE) | 6.8491% | 3,878 |
| Retained earnings to average equity (ytd only) | 6.6852% | 1,830 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5874% | 1,172 |
| Assets per employee ($millions) | 10.4030% | 306 |
| Cash dividends to net income (ytd only)* | 2.3921% | 3,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7836% | 4,591 |
| Loan loss allowance to noncurrent loans | 75.4154% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 1.3716% | 905 |
| Noncurrent loans to loans | 1.0390% | 1,575 |
| Net loans and leases to total assets | 81.2855% | 770 |
| Net loans and leases to deposits | 99.0729% | 815 |
| Net loans and leases to core deposits | 109.0597% | 1,053 |
| Total domestic deposits to total assets | 82.0461% | 3,630 |
| Equity capital to assets | 11.2800% | 2,436 |
| Core capital (leverage) ratio | 11.4300% | 2,157 |
| Tier 1 risk-based capital ratio | 15.2996% | 2,698 |
| Total risk-based capital ratio | 16.1648% | 2,800 |
| Memoranda: | ||
| Average total assets | $910,248,000 | 836 |
| Average earning assets | $871,418,800 | 810 |
| Average equity | $97,049,600 | 873 |
| Average total loans | $714,854,000 | 772 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6255% | 4,764 |
| Cost of funding earning assets | 0.9572% | 724 |
| Net interest margin | 2.6683% | 5,187 |
| Noninterest income to average assets | 1.9901% | 279 |
| Noninterest expense to average assets | 3.5744% | 893 |
| Loan and lease loss provision to assets | 0.0252% | 3,511 |
| Net operating income to assets | 0.6843% | 4,277 |
| Return on assets (ROA) | 0.6888% | 4,274 |
| Pretax return on assets | 0.9515% | 3,875 |
| Return on Equity (ROE) | 6.5545% | 4,089 |
| Retained earnings to average equity (ytd only) | 6.3332% | 2,469 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4747% | 1,073 |
| Assets per employee ($millions) | 10.3951% | 290 |
| Cash dividends to net income (ytd only)* | 3.3764% | 3,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8014% | 4,619 |
| Loan loss allowance to noncurrent loans | 74.7144% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 1.3727% | 977 |
| Noncurrent loans to loans | 1.0726% | 1,589 |
| Net loans and leases to total assets | 78.7820% | 1,200 |
| Net loans and leases to deposits | 93.9773% | 1,382 |
| Net loans and leases to core deposits | 101.8287% | 1,628 |
| Total domestic deposits to total assets | 83.8309% | 3,002 |
| Equity capital to assets | 11.0077% | 2,660 |
| Core capital (leverage) ratio | 11.1800% | 2,431 |
| Tier 1 risk-based capital ratio | 15.3753% | 2,709 |
| Total risk-based capital ratio | 16.2549% | 2,803 |
| Memoranda: | ||
| Average total assets | $911,544,750 | 834 |
| Average earning assets | $872,906,000 | 810 |
| Average equity | $95,789,250 | 876 |
| Average total loans | $708,194,250 | 776 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5700% | 4,813 |
| Cost of funding earning assets | 0.9096% | 706 |
| Net interest margin | 2.6605% | 5,242 |
| Noninterest income to average assets | 1.8778% | 299 |
| Noninterest expense to average assets | 3.5738% | 898 |
| Loan and lease loss provision to assets | 0.0376% | 3,157 |
| Net operating income to assets | 0.5880% | 4,534 |
| Return on assets (ROA) | 0.5948% | 4,511 |
| Pretax return on assets | 0.8237% | 4,186 |
| Return on Equity (ROE) | 5.7502% | 4,328 |
| Retained earnings to average equity (ytd only) | 5.5746% | 2,782 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5023% | 959 |
| Assets per employee ($millions) | 10.3209% | 289 |
| Cash dividends to net income (ytd only)* | 3.0537% | 3,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7978% | 4,706 |
| Loan loss allowance to noncurrent loans | 88.4450% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 1.2493% | 1,138 |
| Noncurrent loans to loans | 0.9020% | 1,917 |
| Net loans and leases to total assets | 79.7080% | 1,062 |
| Net loans and leases to deposits | 100.8623% | 752 |
| Net loans and leases to core deposits | 108.1201% | 1,111 |
| Total domestic deposits to total assets | 79.0266% | 4,423 |
| Equity capital to assets | 10.8349% | 2,801 |
| Core capital (leverage) ratio | 10.9241% | 2,584 |
| Tier 1 risk-based capital ratio | 15.0110% | 2,869 |
| Total risk-based capital ratio | 15.8872% | 2,970 |
| Memoranda: | ||
| Average total assets | $913,933,670 | 836 |
| Average earning assets | $875,564,000 | 807 |
| Average equity | $94,535,330 | 887 |
| Average total loans | $704,844,670 | 777 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4609% | 4,935 |
| Cost of funding earning assets | 0.7974% | 965 |
| Net interest margin | 2.6635% | 5,280 |
| Noninterest income to average assets | 1.7385% | 329 |
| Noninterest expense to average assets | 3.5677% | 906 |
| Loan and lease loss provision to assets | 0.0651% | 2,471 |
| Net operating income to assets | 0.4803% | 4,740 |
| Return on assets (ROA) | 0.4803% | 4,743 |
| Pretax return on assets | 0.6608% | 4,546 |
| Return on Equity (ROE) | 4.7532% | 4,562 |
| Retained earnings to average equity (ytd only) | 4.4054% | 3,431 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8517% | 871 |
| Assets per employee ($millions) | 10.7524% | 256 |
| Cash dividends to net income (ytd only)* | 7.3171% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7948% | 4,803 |
| Loan loss allowance to noncurrent loans | 88.1069% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 1.2274% | 1,231 |
| Noncurrent loans to loans | 0.9021% | 2,015 |
| Net loans and leases to total assets | 78.3117% | 1,193 |
| Net loans and leases to deposits | 101.5783% | 608 |
| Net loans and leases to core deposits | 112.6686% | 857 |
| Total domestic deposits to total assets | 77.0949% | 4,845 |
| Equity capital to assets | 10.1666% | 3,430 |
| Core capital (leverage) ratio | 10.3441% | 3,128 |
| Tier 1 risk-based capital ratio | 14.0424% | 3,361 |
| Total risk-based capital ratio | 14.9005% | 3,480 |
| Memoranda: | ||
| Average total assets | $921,939,500 | 834 |
| Average earning assets | $884,396,500 | 795 |
| Average equity | $93,158,500 | 902 |
| Average total loans | $696,531,000 | 787 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3614% | 4,993 |
| Cost of funding earning assets | 0.5981% | 1,606 |
| Net interest margin | 2.7633% | 5,216 |
| Noninterest income to average assets | 1.5467% | 438 |
| Noninterest expense to average assets | 3.1389% | 1,751 |
| Loan and lease loss provision to assets | 0.0149% | 3,993 |
| Net operating income to assets | 0.4882% | 4,404 |
| Return on assets (ROA) | 0.4828% | 4,448 |
| Pretax return on assets | 1.0441% | 3,402 |
| Return on Equity (ROE) | 4.6779% | 4,298 |
| Retained earnings to average equity (ytd only) | 4.5691% | 2,412 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3666% | 1,848 |
| Assets per employee ($millions) | 10.8038% | 251 |
| Cash dividends to net income (ytd only)* | 2.3261% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8315% | 4,734 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5069% | 2,869 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 71.6813% | 2,280 |
| Net loans and leases to deposits | 86.9060% | 2,145 |
| Net loans and leases to core deposits | 100.1829% | 1,698 |
| Total domestic deposits to total assets | 82.4814% | 3,737 |
| Equity capital to assets | 10.0623% | 3,630 |
| Core capital (leverage) ratio | 10.7565% | 2,586 |
| Tier 1 risk-based capital ratio | 15.0679% | 2,820 |
| Total risk-based capital ratio | 15.9777% | 2,910 |
| Memoranda: | ||
| Average total assets | $890,501,600 | 843 |
| Average earning assets | $857,163,800 | 800 |
| Average equity | $91,900,600 | 890 |
| Average total loans | $664,807,600 | 787 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3843% | 4,982 |
| Cost of funding earning assets | 0.5799% | 1,670 |
| Net interest margin | 2.8044% | 5,207 |
| Noninterest income to average assets | 1.5448% | 457 |
| Noninterest expense to average assets | 3.1022% | 1,795 |
| Loan and lease loss provision to assets | 0.0201% | 3,744 |
| Net operating income to assets | 0.7034% | 3,961 |
| Return on assets (ROA) | 0.7061% | 4,013 |
| Pretax return on assets | 1.1272% | 3,200 |
| Return on Equity (ROE) | 6.7974% | 3,769 |
| Retained earnings to average equity (ytd only) | 6.6517% | 1,875 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8206% | 2,070 |
| Assets per employee ($millions) | 11.6033% | 202 |
| Cash dividends to net income (ytd only)* | 2.1436% | 3,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8441% | 4,781 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5485% | 2,879 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 76.3927% | 1,517 |
| Net loans and leases to deposits | 94.4832% | 1,246 |
| Net loans and leases to core deposits | 118.3186% | 641 |
| Total domestic deposits to total assets | 80.8532% | 4,089 |
| Equity capital to assets | 10.9733% | 2,887 |
| Core capital (leverage) ratio | 10.6633% | 2,810 |
| Tier 1 risk-based capital ratio | 15.8690% | 2,563 |
| Total risk-based capital ratio | 16.8240% | 2,620 |
| Memoranda: | ||
| Average total assets | $880,844,750 | 855 |
| Average earning assets | $848,209,000 | 817 |
| Average equity | $91,502,750 | 896 |
| Average total loans | $663,110,500 | 791 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3288% | 5,064 |
| Cost of funding earning assets | 0.5778% | 1,594 |
| Net interest margin | 2.7510% | 5,308 |
| Noninterest income to average assets | 1.5349% | 462 |
| Noninterest expense to average assets | 3.0847% | 1,875 |
| Loan and lease loss provision to assets | 0.0299% | 3,401 |
| Net operating income to assets | 0.6784% | 3,944 |
| Return on assets (ROA) | 0.6822% | 3,990 |
| Pretax return on assets | 1.0774% | 3,274 |
| Return on Equity (ROE) | 6.6890% | 3,727 |
| Retained earnings to average equity (ytd only) | 6.4683% | 1,866 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4388% | 2,102 |
| Assets per employee ($millions) | 11.8391% | 182 |
| Cash dividends to net income (ytd only)* | 3.3003% | 3,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8337% | 4,861 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5450% | 2,947 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 76.8496% | 1,405 |
| Net loans and leases to deposits | 93.8322% | 1,282 |
| Net loans and leases to core deposits | 118.2377% | 631 |
| Total domestic deposits to total assets | 81.9011% | 3,914 |
| Equity capital to assets | 10.6849% | 3,143 |
| Core capital (leverage) ratio | 10.2553% | 3,193 |
| Tier 1 risk-based capital ratio | 15.6710% | 2,634 |
| Total risk-based capital ratio | 16.6319% | 2,699 |
| Memoranda: | ||
| Average total assets | $888,244,670 | 854 |
| Average earning assets | $855,984,670 | 805 |
| Average equity | $90,596,330 | 905 |
| Average total loans | $663,638,670 | 792 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2615% | 5,164 |
| Cost of funding earning assets | 0.5773% | 1,528 |
| Net interest margin | 2.6841% | 5,408 |
| Noninterest income to average assets | 1.5667% | 456 |
| Noninterest expense to average assets | 3.1232% | 1,807 |
| Loan and lease loss provision to assets | 0.0591% | 2,627 |
| Net operating income to assets | 0.6377% | 3,988 |
| Return on assets (ROA) | 0.6394% | 4,023 |
| Pretax return on assets | 0.9775% | 3,471 |
| Return on Equity (ROE) | 6.4154% | 3,708 |
| Retained earnings to average equity (ytd only) | 6.4154% | 2,131 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8717% | 2,087 |
| Assets per employee ($millions) | 10.7145% | 246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8306% | 4,987 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5296% | 3,112 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 74.9689% | 1,581 |
| Net loans and leases to deposits | 90.8457% | 1,443 |
| Net loans and leases to core deposits | 112.6892% | 741 |
| Total domestic deposits to total assets | 82.5234% | 4,001 |
| Equity capital to assets | 10.1735% | 3,539 |
| Core capital (leverage) ratio | 10.0065% | 3,485 |
| Tier 1 risk-based capital ratio | 15.3057% | 2,834 |
| Total risk-based capital ratio | 16.2609% | 2,886 |
| Memoranda: | ||
| Average total assets | $900,238,500 | 843 |
| Average earning assets | $868,811,500 | 797 |
| Average equity | $89,722,000 | 912 |
| Average total loans | $660,577,000 | 794 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1830% | 5,323 |
| Cost of funding earning assets | 0.5845% | 1,458 |
| Net interest margin | 2.5985% | 5,520 |
| Noninterest income to average assets | 1.5400% | 510 |
| Noninterest expense to average assets | 3.3176% | 1,539 |
| Loan and lease loss provision to assets | 0.0896% | 2,576 |
| Net operating income to assets | 0.3929% | 4,967 |
| Return on assets (ROA) | 0.4078% | 4,996 |
| Pretax return on assets | 0.6527% | 4,648 |
| Return on Equity (ROE) | 3.9764% | 4,843 |
| Retained earnings to average equity (ytd only) | 3.9764% | 3,091 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9088% | 1,210 |
| Assets per employee ($millions) | 11.9900% | 174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8401% | 4,988 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5169% | 3,194 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 70.6091% | 2,392 |
| Net loans and leases to deposits | 88.6020% | 1,855 |
| Net loans and leases to core deposits | 109.0284% | 958 |
| Total domestic deposits to total assets | 79.6924% | 4,635 |
| Equity capital to assets | 9.7662% | 3,992 |
| Core capital (leverage) ratio | 10.1043% | 3,358 |
| Tier 1 risk-based capital ratio | 15.2421% | 2,865 |
| Total risk-based capital ratio | 16.1875% | 2,933 |
| Memoranda: | ||
| Average total assets | $852,398,000 | 852 |
| Average earning assets | $819,015,200 | 815 |
| Average equity | $87,416,600 | 909 |
| Average total loans | $618,765,200 | 806 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1738% | 5,401 |
| Cost of funding earning assets | 0.5857% | 1,447 |
| Net interest margin | 2.5882% | 5,596 |
| Noninterest income to average assets | 1.5526% | 509 |
| Noninterest expense to average assets | 3.3883% | 1,362 |
| Loan and lease loss provision to assets | 0.0893% | 2,440 |
| Net operating income to assets | 0.3481% | 5,172 |
| Return on assets (ROA) | 0.3707% | 5,200 |
| Pretax return on assets | 0.5926% | 4,897 |
| Return on Equity (ROE) | 3.5684% | 5,063 |
| Retained earnings to average equity (ytd only) | 3.5684% | 3,756 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6963% | 1,015 |
| Assets per employee ($millions) | 11.6339% | 185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8249% | 5,117 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5327% | 3,326 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 71.3605% | 2,287 |
| Net loans and leases to deposits | 87.7107% | 2,050 |
| Net loans and leases to core deposits | 109.1472% | 974 |
| Total domestic deposits to total assets | 81.3590% | 4,146 |
| Equity capital to assets | 10.0604% | 4,078 |
| Core capital (leverage) ratio | 9.9355% | 3,654 |
| Tier 1 risk-based capital ratio | 15.1758% | 2,963 |
| Total risk-based capital ratio | 16.0951% | 3,059 |
| Memoranda: | ||
| Average total assets | $837,687,250 | 864 |
| Average earning assets | $803,379,750 | 828 |
| Average equity | $87,022,250 | 913 |
| Average total loans | $611,239,000 | 813 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1721% | 5,471 |
| Cost of funding earning assets | 0.5724% | 1,531 |
| Net interest margin | 2.5997% | 5,665 |
| Noninterest income to average assets | 1.5644% | 497 |
| Noninterest expense to average assets | 3.3914% | 1,388 |
| Loan and lease loss provision to assets | 0.1365% | 1,663 |
| Net operating income to assets | 0.3263% | 5,246 |
| Return on assets (ROA) | 0.3641% | 5,229 |
| Pretax return on assets | 0.5811% | 4,938 |
| Return on Equity (ROE) | 3.4661% | 5,108 |
| Retained earnings to average equity (ytd only) | 3.4661% | 3,685 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4585% | 1,093 |
| Assets per employee ($millions) | 11.3076% | 189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8066% | 5,268 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5481% | 3,382 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 75.0990% | 1,631 |
| Net loans and leases to deposits | 96.4951% | 1,028 |
| Net loans and leases to core deposits | 123.4963% | 425 |
| Total domestic deposits to total assets | 77.8268% | 5,031 |
| Equity capital to assets | 10.2445% | 3,918 |
| Core capital (leverage) ratio | 10.3966% | 3,080 |
| Tier 1 risk-based capital ratio | 14.8933% | 3,124 |
| Total risk-based capital ratio | 15.8051% | 3,221 |
| Memoranda: | ||
| Average total assets | $822,190,330 | 885 |
| Average earning assets | $786,102,330 | 848 |
| Average equity | $86,379,000 | 921 |
| Average total loans | $602,918,000 | 819 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1825% | 5,507 |
| Cost of funding earning assets | 0.5688% | 1,552 |
| Net interest margin | 2.6137% | 5,708 |
| Noninterest income to average assets | 1.6132% | 455 |
| Noninterest expense to average assets | 3.5978% | 1,022 |
| Loan and lease loss provision to assets | 0.0692% | 2,570 |
| Net operating income to assets | 0.2891% | 5,333 |
| Return on assets (ROA) | 0.3191% | 5,328 |
| Pretax return on assets | 0.5042% | 5,078 |
| Return on Equity (ROE) | 2.9971% | 5,236 |
| Retained earnings to average equity (ytd only) | 2.9971% | 4,014 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9418% | 896 |
| Assets per employee ($millions) | 10.6457% | 231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8189% | 5,313 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5821% | 3,322 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 72.2426% | 1,997 |
| Net loans and leases to deposits | 92.3269% | 1,300 |
| Net loans and leases to core deposits | 120.5819% | 451 |
| Total domestic deposits to total assets | 78.2465% | 5,103 |
| Equity capital to assets | 10.6524% | 3,309 |
| Core capital (leverage) ratio | 10.6692% | 2,773 |
| Tier 1 risk-based capital ratio | 15.7011% | 2,823 |
| Total risk-based capital ratio | 16.6014% | 2,934 |
| Memoranda: | ||
| Average total assets | $803,596,500 | 904 |
| Average earning assets | $772,093,000 | 872 |
| Average equity | $85,549,000 | 928 |
| Average total loans | $579,061,000 | 852 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9371% | 5,787 |
| Cost of funding earning assets | 0.5524% | 1,739 |
| Net interest margin | 2.3847% | 5,898 |
| Noninterest income to average assets | 1.6372% | 484 |
| Noninterest expense to average assets | 3.5174% | 1,262 |
| Loan and lease loss provision to assets | -0.0624% | 5,776 |
| Net operating income to assets | 0.3038% | 5,350 |
| Return on assets (ROA) | 0.3532% | 5,292 |
| Pretax return on assets | 0.5488% | 4,996 |
| Return on Equity (ROE) | 3.2272% | 5,222 |
| Retained earnings to average equity (ytd only) | 3.2272% | 3,756 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2147% | 744 |
| Assets per employee ($millions) | 10.5006% | 233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8240% | 5,345 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5902% | 3,316 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 70.6875% | 2,267 |
| Net loans and leases to deposits | 92.0318% | 1,398 |
| Net loans and leases to core deposits | 120.6639% | 460 |
| Total domestic deposits to total assets | 76.8077% | 5,343 |
| Equity capital to assets | 10.6380% | 3,198 |
| Core capital (leverage) ratio | 10.8498% | 2,561 |
| Tier 1 risk-based capital ratio | 16.0681% | 2,658 |
| Total risk-based capital ratio | 16.9702% | 2,759 |
| Memoranda: | ||
| Average total assets | $768,629,800 | 901 |
| Average earning assets | $737,878,400 | 863 |
| Average equity | $84,128,600 | 907 |
| Average total loans | $517,820,200 | 904 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9032% | 5,893 |
| Cost of funding earning assets | 0.5455% | 1,839 |
| Net interest margin | 2.3577% | 6,000 |
| Noninterest income to average assets | 1.7024% | 456 |
| Noninterest expense to average assets | 3.6093% | 1,101 |
| Loan and lease loss provision to assets | -0.0841% | 5,975 |
| Net operating income to assets | 0.2839% | 5,505 |
| Return on assets (ROA) | 0.3240% | 5,467 |
| Pretax return on assets | 0.5006% | 5,216 |
| Return on Equity (ROE) | 2.9387% | 5,409 |
| Retained earnings to average equity (ytd only) | 2.9387% | 4,360 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6601% | 654 |
| Assets per employee ($millions) | 11.3846% | 176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9134% | 5,152 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5996% | 3,471 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 64.7250% | 3,197 |
| Net loans and leases to deposits | 83.2961% | 2,489 |
| Net loans and leases to core deposits | 111.8670% | 772 |
| Total domestic deposits to total assets | 77.7048% | 5,234 |
| Equity capital to assets | 10.8043% | 3,234 |
| Core capital (leverage) ratio | 10.8012% | 2,714 |
| Tier 1 risk-based capital ratio | 16.8563% | 2,422 |
| Total risk-based capital ratio | 17.8146% | 2,499 |
| Memoranda: | ||
| Average total assets | $761,276,750 | 912 |
| Average earning assets | $730,308,250 | 875 |
| Average equity | $83,936,750 | 915 |
| Average total loans | $505,074,500 | 927 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9636% | 5,892 |
| Cost of funding earning assets | 0.5224% | 2,050 |
| Net interest margin | 2.4413% | 6,013 |
| Noninterest income to average assets | 1.7225% | 457 |
| Noninterest expense to average assets | 3.7534% | 925 |
| Loan and lease loss provision to assets | -0.0212% | 5,976 |
| Net operating income to assets | 0.2113% | 5,667 |
| Return on assets (ROA) | 0.2637% | 5,625 |
| Pretax return on assets | 0.4140% | 5,440 |
| Return on Equity (ROE) | 2.3749% | 5,602 |
| Retained earnings to average equity (ytd only) | 2.3749% | 4,547 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9051% | 647 |
| Assets per employee ($millions) | 10.9911% | 192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0098% | 4,824 |
| Loan loss allowance to noncurrent loans | 104.8002% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 1.2611% | 1,989 |
| Noncurrent loans to loans | 0.9636% | 2,722 |
| Net loans and leases to total assets | 65.7533% | 2,993 |
| Net loans and leases to deposits | 85.3035% | 2,135 |
| Net loans and leases to core deposits | 117.0571% | 557 |
| Total domestic deposits to total assets | 77.0816% | 5,447 |
| Equity capital to assets | 11.0849% | 2,801 |
| Core capital (leverage) ratio | 10.7820% | 2,637 |
| Tier 1 risk-based capital ratio | 16.8136% | 2,481 |
| Total risk-based capital ratio | 17.8644% | 2,511 |
| Memoranda: | ||
| Average total assets | $753,189,000 | 926 |
| Average earning assets | $722,497,330 | 895 |
| Average equity | $83,625,000 | 917 |
| Average total loans | $502,390,000 | 933 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9709% | 5,926 |
| Cost of funding earning assets | 0.4924% | 2,356 |
| Net interest margin | 2.4785% | 6,042 |
| Noninterest income to average assets | 1.7272% | 439 |
| Noninterest expense to average assets | 3.8540% | 826 |
| Loan and lease loss provision to assets | 0.0485% | 2,961 |
| Net operating income to assets | 0.1341% | 5,821 |
| Return on assets (ROA) | 0.1689% | 5,822 |
| Pretax return on assets | 0.2569% | 5,742 |
| Return on Equity (ROE) | 1.5203% | 5,800 |
| Retained earnings to average equity (ytd only) | 1.5203% | 4,875 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4077% | 623 |
| Assets per employee ($millions) | 11.1990% | 186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0274% | 4,885 |
| Loan loss allowance to noncurrent loans | 104.4705% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 1.2794% | 2,081 |
| Noncurrent loans to loans | 0.9834% | 2,802 |
| Net loans and leases to total assets | 66.5153% | 2,691 |
| Net loans and leases to deposits | 86.1404% | 1,815 |
| Net loans and leases to core deposits | 116.7035% | 501 |
| Total domestic deposits to total assets | 77.2172% | 5,578 |
| Equity capital to assets | 11.0276% | 2,938 |
| Core capital (leverage) ratio | 10.3626% | 3,147 |
| Tier 1 risk-based capital ratio | 16.3950% | 2,736 |
| Total risk-based capital ratio | 17.4658% | 2,762 |
| Memoranda: | ||
| Average total assets | $750,592,000 | 926 |
| Average earning assets | $720,601,000 | 896 |
| Average equity | $83,404,500 | 919 |
| Average total loans | $501,710,500 | 934 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8700% | 6,156 |
| Cost of funding earning assets | 0.4592% | 3,084 |
| Net interest margin | 2.4108% | 6,222 |
| Noninterest income to average assets | 1.7299% | 430 |
| Noninterest expense to average assets | 3.7001% | 1,149 |
| Loan and lease loss provision to assets | 0.0937% | 2,592 |
| Net operating income to assets | 0.1579% | 5,852 |
| Return on assets (ROA) | 0.1881% | 5,841 |
| Pretax return on assets | 0.2864% | 5,726 |
| Return on Equity (ROE) | 1.6163% | 5,858 |
| Retained earnings to average equity (ytd only) | 1.6163% | 5,011 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2319% | 765 |
| Assets per employee ($millions) | 11.0377% | 186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0510% | 4,807 |
| Loan loss allowance to noncurrent loans | 99.4419% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 1.3395% | 2,095 |
| Noncurrent loans to loans | 1.0569% | 2,709 |
| Net loans and leases to total assets | 65.7804% | 2,926 |
| Net loans and leases to deposits | 86.0848% | 1,971 |
| Net loans and leases to core deposits | 117.7028% | 478 |
| Total domestic deposits to total assets | 76.4134% | 5,675 |
| Equity capital to assets | 11.1825% | 2,716 |
| Core capital (leverage) ratio | 10.4007% | 3,061 |
| Tier 1 risk-based capital ratio | 16.7344% | 2,629 |
| Total risk-based capital ratio | 17.8768% | 2,609 |
| Memoranda: | ||
| Average total assets | $697,974,800 | 962 |
| Average earning assets | $667,218,600 | 925 |
| Average equity | $81,233,000 | 902 |
| Average total loans | $452,886,600 | 975 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8640% | 6,236 |
| Cost of funding earning assets | 0.4518% | 3,228 |
| Net interest margin | 2.4122% | 6,289 |
| Noninterest income to average assets | 1.7357% | 431 |
| Noninterest expense to average assets | 3.7048% | 1,110 |
| Loan and lease loss provision to assets | 0.1245% | 2,008 |
| Net operating income to assets | 0.1388% | 5,964 |
| Return on assets (ROA) | 0.1798% | 5,927 |
| Pretax return on assets | 0.2719% | 5,823 |
| Return on Equity (ROE) | 1.5284% | 5,944 |
| Retained earnings to average equity (ytd only) | 1.5284% | 5,281 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2338% | 756 |
| Assets per employee ($millions) | 11.4589% | 156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1021% | 4,741 |
| Loan loss allowance to noncurrent loans | 96.1754% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 1.4406% | 2,143 |
| Noncurrent loans to loans | 1.1459% | 2,768 |
| Net loans and leases to total assets | 66.1801% | 2,829 |
| Net loans and leases to deposits | 87.8841% | 1,691 |
| Net loans and leases to core deposits | 128.4759% | 252 |
| Total domestic deposits to total assets | 75.3038% | 5,894 |
| Equity capital to assets | 11.6996% | 2,309 |
| Core capital (leverage) ratio | 10.8699% | 2,608 |
| Tier 1 risk-based capital ratio | 17.3624% | 2,445 |
| Total risk-based capital ratio | 18.5592% | 2,428 |
| Memoranda: | ||
| Average total assets | $687,587,750 | 981 |
| Average earning assets | $656,586,000 | 946 |
| Average equity | $80,867,000 | 907 |
| Average total loans | $443,201,250 | 999 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8537% | 6,294 |
| Cost of funding earning assets | 0.4495% | 3,330 |
| Net interest margin | 2.4043% | 6,358 |
| Noninterest income to average assets | 1.7187% | 441 |
| Noninterest expense to average assets | 3.7272% | 1,084 |
| Loan and lease loss provision to assets | 0.0234% | 3,807 |
| Net operating income to assets | 0.1695% | 5,910 |
| Return on assets (ROA) | 0.2226% | 5,839 |
| Pretax return on assets | 0.3434% | 5,692 |
| Return on Equity (ROE) | 1.8892% | 5,867 |
| Retained earnings to average equity (ytd only) | 1.8892% | 4,942 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3969% | 740 |
| Assets per employee ($millions) | 11.1531% | 171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0364% | 5,170 |
| Loan loss allowance to noncurrent loans | 83.1613% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 1.4798% | 2,206 |
| Noncurrent loans to loans | 1.2463% | 2,735 |
| Net loans and leases to total assets | 63.4226% | 3,176 |
| Net loans and leases to deposits | 84.4943% | 1,982 |
| Net loans and leases to core deposits | 122.8448% | 321 |
| Total domestic deposits to total assets | 75.0614% | 6,013 |
| Equity capital to assets | 11.8398% | 2,109 |
| Core capital (leverage) ratio | 10.9955% | 2,433 |
| Tier 1 risk-based capital ratio | 18.5826% | 2,044 |
| Total risk-based capital ratio | 19.7204% | 2,033 |
| Memoranda: | ||
| Average total assets | $683,786,670 | 988 |
| Average earning assets | $652,339,000 | 952 |
| Average equity | $80,563,000 | 904 |
| Average total loans | $435,019,000 | 1,014 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9000% | 6,325 |
| Cost of funding earning assets | 0.4297% | 3,651 |
| Net interest margin | 2.4703% | 6,353 |
| Noninterest income to average assets | 1.7672% | 409 |
| Noninterest expense to average assets | 3.7804% | 1,016 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1969% | 5,810 |
| Return on assets (ROA) | 0.2406% | 5,737 |
| Pretax return on assets | 0.4089% | 5,424 |
| Return on Equity (ROE) | 2.0473% | 5,774 |
| Retained earnings to average equity (ytd only) | 2.0473% | 4,791 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2491% | 929 |
| Assets per employee ($millions) | 11.6059% | 147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0469% | 5,328 |
| Loan loss allowance to noncurrent loans | 80.8057% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 1.4542% | 2,440 |
| Noncurrent loans to loans | 1.2955% | 2,860 |
| Net loans and leases to total assets | 60.2558% | 3,519 |
| Net loans and leases to deposits | 80.9357% | 2,171 |
| Net loans and leases to core deposits | 129.6630% | 189 |
| Total domestic deposits to total assets | 74.4490% | 6,204 |
| Equity capital to assets | 11.3680% | 2,361 |
| Core capital (leverage) ratio | 10.6245% | 2,782 |
| Tier 1 risk-based capital ratio | 18.8876% | 1,997 |
| Total risk-based capital ratio | 20.0365% | 1,992 |
| Memoranda: | ||
| Average total assets | $679,935,000 | 1,000 |
| Average earning assets | $647,864,000 | 962 |
| Average equity | $79,909,000 | 916 |
| Average total loans | $430,951,500 | 1,024 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8914% | 6,431 |
| Cost of funding earning assets | 0.3816% | 4,825 |
| Net interest margin | 2.5098% | 6,367 |
| Noninterest income to average assets | 1.6505% | 528 |
| Noninterest expense to average assets | 4.1617% | 726 |
| Loan and lease loss provision to assets | 0.0739% | 3,634 |
| Net operating income to assets | -0.1037% | 6,303 |
| Return on assets (ROA) | -0.0522% | 6,288 |
| Pretax return on assets | -0.1048% | 6,291 |
| Return on Equity (ROE) | -0.4285% | 6,291 |
| Retained earnings to average equity (ytd only) | -0.4285% | 5,957 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.2360% | 417 |
| Assets per employee ($millions) | 10.1861% | 218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0476% | 5,354 |
| Loan loss allowance to noncurrent loans | 70.9591% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 1.6981% | 2,169 |
| Noncurrent loans to loans | 1.4763% | 2,677 |
| Net loans and leases to total assets | 65.3909% | 2,795 |
| Net loans and leases to deposits | 91.6296% | 1,098 |
| Net loans and leases to core deposits | 157.0972% | 77 |
| Total domestic deposits to total assets | 71.3644% | 6,456 |
| Equity capital to assets | 12.1699% | 1,698 |
| Core capital (leverage) ratio | 11.3651% | 2,063 |
| Tier 1 risk-based capital ratio | 18.1710% | 2,194 |
| Total risk-based capital ratio | 19.2950% | 2,199 |
| Memoranda: | ||
| Average total assets | $653,670,600 | 1,020 |
| Average earning assets | $625,019,400 | 972 |
| Average equity | $79,571,800 | 897 |
| Average total loans | $411,682,400 | 1,031 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8481% | 6,538 |
| Cost of funding earning assets | 0.3682% | 5,113 |
| Net interest margin | 2.4799% | 6,441 |
| Noninterest income to average assets | 1.5622% | 601 |
| Noninterest expense to average assets | 4.0490% | 805 |
| Loan and lease loss provision to assets | 0.2876% | 1,195 |
| Net operating income to assets | -0.2461% | 6,491 |
| Return on assets (ROA) | -0.1912% | 6,483 |
| Pretax return on assets | -0.3151% | 6,525 |
| Return on Equity (ROE) | -1.5706% | 6,460 |
| Retained earnings to average equity (ytd only) | -1.5706% | 6,207 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.3514% | 395 |
| Assets per employee ($millions) | 10.9738% | 179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2556% | 4,611 |
| Loan loss allowance to noncurrent loans | 85.3356% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 1.6837% | 2,450 |
| Noncurrent loans to loans | 1.4714% | 2,961 |
| Net loans and leases to total assets | 64.9852% | 2,806 |
| Net loans and leases to deposits | 94.2345% | 814 |
| Net loans and leases to core deposits | 169.5518% | 55 |
| Total domestic deposits to total assets | 68.9612% | 6,636 |
| Equity capital to assets | 11.9479% | 1,948 |
| Core capital (leverage) ratio | 11.1018% | 2,380 |
| Tier 1 risk-based capital ratio | 17.7783% | 2,416 |
| Total risk-based capital ratio | 19.0253% | 2,379 |
| Memoranda: | ||
| Average total assets | $654,110,250 | 1,024 |
| Average earning assets | $626,032,750 | 978 |
| Average equity | $79,630,500 | 907 |
| Average total loans | $406,902,000 | 1,049 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8268% | 6,594 |
| Cost of funding earning assets | 0.3647% | 5,272 |
| Net interest margin | 2.4621% | 6,485 |
| Noninterest income to average assets | 1.5297% | 669 |
| Noninterest expense to average assets | 4.0924% | 781 |
| Loan and lease loss provision to assets | 0.3791% | 850 |
| Net operating income to assets | -0.3546% | 6,585 |
| Return on assets (ROA) | -0.3052% | 6,584 |
| Pretax return on assets | -0.5038% | 6,630 |
| Return on Equity (ROE) | -2.4915% | 6,550 |
| Retained earnings to average equity (ytd only) | -2.4915% | 6,249 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.6550% | 373 |
| Assets per employee ($millions) | 10.1111% | 215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2617% | 4,689 |
| Loan loss allowance to noncurrent loans | 82.5937% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 1.7405% | 2,504 |
| Noncurrent loans to loans | 1.5275% | 3,010 |
| Net loans and leases to total assets | 64.7101% | 2,805 |
| Net loans and leases to deposits | 91.9326% | 969 |
| Net loans and leases to core deposits | 175.1316% | 55 |
| Total domestic deposits to total assets | 70.3886% | 6,644 |
| Equity capital to assets | 12.2982% | 1,707 |
| Core capital (leverage) ratio | 11.4365% | 1,988 |
| Tier 1 risk-based capital ratio | 17.2674% | 2,605 |
| Total risk-based capital ratio | 18.5175% | 2,577 |
| Memoranda: | ||
| Average total assets | $652,671,000 | 1,029 |
| Average earning assets | $625,797,330 | 978 |
| Average equity | $79,951,330 | 903 |
| Average total loans | $398,095,330 | 1,072 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8057% | 6,674 |
| Cost of funding earning assets | 0.3711% | 5,356 |
| Net interest margin | 2.4346% | 6,570 |
| Noninterest income to average assets | 1.5309% | 655 |
| Noninterest expense to average assets | 4.0920% | 801 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.1362% | 6,474 |
| Return on assets (ROA) | -0.0618% | 6,468 |
| Pretax return on assets | -0.1005% | 6,483 |
| Return on Equity (ROE) | -0.5052% | 6,460 |
| Retained earnings to average equity (ytd only) | -0.5052% | 5,881 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.0633% | 417 |
| Assets per employee ($millions) | 10.2763% | 206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0268% | 5,891 |
| Loan loss allowance to noncurrent loans | 62.5971% | 4,601 |
| Noncurrent assets plus other real estate owned to assets | 1.7219% | 2,710 |
| Noncurrent loans to loans | 1.6404% | 3,081 |
| Net loans and leases to total assets | 59.9989% | 3,429 |
| Net loans and leases to deposits | 82.1649% | 1,806 |
| Net loans and leases to core deposits | 166.8362% | 62 |
| Total domestic deposits to total assets | 73.0225% | 6,597 |
| Equity capital to assets | 12.4960% | 1,715 |
| Core capital (leverage) ratio | 11.6121% | 1,808 |
| Tier 1 risk-based capital ratio | 18.8763% | 2,074 |
| Total risk-based capital ratio | 19.9019% | 2,111 |
| Memoranda: | ||
| Average total assets | $660,507,500 | 1,024 |
| Average earning assets | $635,991,000 | 968 |
| Average equity | $80,757,500 | 909 |
| Average total loans | $388,408,500 | 1,101 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0637% | 6,741 |
| Cost of funding earning assets | 0.4189% | 5,793 |
| Net interest margin | 2.6448% | 6,592 |
| Noninterest income to average assets | 1.4868% | 715 |
| Noninterest expense to average assets | 3.9410% | 1,051 |
| Loan and lease loss provision to assets | 0.1874% | 3,296 |
| Net operating income to assets | -0.0816% | 6,270 |
| Return on assets (ROA) | 0.1024% | 6,150 |
| Pretax return on assets | 0.1160% | 6,131 |
| Return on Equity (ROE) | 0.8400% | 6,160 |
| Retained earnings to average equity (ytd only) | 0.8400% | 5,446 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8552% | 670 |
| Assets per employee ($millions) | 10.5251% | 196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0485% | 5,769 |
| Loan loss allowance to noncurrent loans | 62.5971% | 4,558 |
| Noncurrent assets plus other real estate owned to assets | 1.6550% | 2,915 |
| Noncurrent loans to loans | 1.6750% | 3,110 |
| Net loans and leases to total assets | 56.4602% | 4,214 |
| Net loans and leases to deposits | 80.6220% | 2,202 |
| Net loans and leases to core deposits | 206.7861% | 51 |
| Total domestic deposits to total assets | 70.0307% | 6,782 |
| Equity capital to assets | 11.9677% | 2,063 |
| Core capital (leverage) ratio | 11.1235% | 2,147 |
| Tier 1 risk-based capital ratio | 20.3052% | 1,605 |
| Total risk-based capital ratio | 21.4121% | 1,611 |
| Memoranda: | ||
| Average total assets | $649,333,600 | 1,013 |
| Average earning assets | $625,682,800 | 959 |
| Average equity | $79,163,800 | 887 |
| Average total loans | $344,836,600 | 1,222 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1530% | 6,824 |
| Cost of funding earning assets | 0.4237% | 5,963 |
| Net interest margin | 2.7293% | 6,606 |
| Noninterest income to average assets | 1.4656% | 693 |
| Noninterest expense to average assets | 3.8430% | 1,136 |
| Loan and lease loss provision to assets | 0.0850% | 4,547 |
| Net operating income to assets | 0.0880% | 6,145 |
| Return on assets (ROA) | 0.1884% | 6,108 |
| Pretax return on assets | 0.3231% | 5,911 |
| Return on Equity (ROE) | 1.5380% | 6,147 |
| Retained earnings to average equity (ytd only) | 1.5380% | 5,567 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3175% | 820 |
| Assets per employee ($millions) | 9.8519% | 253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8892% | 6,408 |
| Loan loss allowance to noncurrent loans | 472.5806% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.7932% | 4,722 |
| Noncurrent loans to loans | 0.1882% | 6,138 |
| Net loans and leases to total assets | 52.8430% | 4,938 |
| Net loans and leases to deposits | 75.9377% | 2,987 |
| Net loans and leases to core deposits | 245.8141% | 47 |
| Total domestic deposits to total assets | 69.5873% | 6,863 |
| Equity capital to assets | 11.9083% | 2,345 |
| Core capital (leverage) ratio | 11.1011% | 2,298 |
| Tier 1 risk-based capital ratio | 17.9206% | 2,384 |
| Total risk-based capital ratio | 18.6909% | 2,530 |
| Memoranda: | ||
| Average total assets | $643,265,500 | 1,035 |
| Average earning assets | $619,534,500 | 977 |
| Average equity | $78,801,000 | 895 |
| Average total loans | $334,958,500 | 1,268 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2293% | 6,857 |
| Cost of funding earning assets | 0.4336% | 6,077 |
| Net interest margin | 2.7956% | 6,585 |
| Noninterest income to average assets | 1.4603% | 681 |
| Noninterest expense to average assets | 3.9034% | 1,073 |
| Loan and lease loss provision to assets | 0.1008% | 4,269 |
| Net operating income to assets | 0.0887% | 6,188 |
| Return on assets (ROA) | 0.1860% | 6,134 |
| Pretax return on assets | 0.3134% | 5,940 |
| Return on Equity (ROE) | 1.5035% | 6,191 |
| Retained earnings to average equity (ytd only) | 1.5035% | 5,450 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1604% | 852 |
| Assets per employee ($millions) | 11.1827% | 171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9001% | 6,453 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6793% | 5,072 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 49.7374% | 5,388 |
| Net loans and leases to deposits | 60.6615% | 5,178 |
| Net loans and leases to core deposits | 196.4386% | 56 |
| Total domestic deposits to total assets | 81.9917% | 5,137 |
| Equity capital to assets | 11.4091% | 2,678 |
| Core capital (leverage) ratio | 10.7093% | 2,585 |
| Tier 1 risk-based capital ratio | 18.8343% | 2,014 |
| Total risk-based capital ratio | 19.6347% | 2,128 |
| Memoranda: | ||
| Average total assets | $631,092,670 | 1,052 |
| Average earning assets | $610,664,330 | 987 |
| Average equity | $78,084,330 | 895 |
| Average total loans | $325,797,670 | 1,302 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3485% | 6,860 |
| Cost of funding earning assets | 0.4301% | 6,255 |
| Net interest margin | 2.9184% | 6,459 |
| Noninterest income to average assets | 1.3987% | 736 |
| Noninterest expense to average assets | 3.9402% | 1,005 |
| Loan and lease loss provision to assets | 0.0893% | 4,240 |
| Net operating income to assets | 0.1195% | 6,194 |
| Return on assets (ROA) | 0.1767% | 6,190 |
| Pretax return on assets | 0.2860% | 6,010 |
| Return on Equity (ROE) | 1.3664% | 6,269 |
| Retained earnings to average equity (ytd only) | 1.3664% | 5,553 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2324% | 871 |
| Assets per employee ($millions) | 10.3711% | 211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8989% | 6,533 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7439% | 5,061 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 51.3550% | 5,100 |
| Net loans and leases to deposits | 68.1801% | 4,025 |
| Net loans and leases to core deposits | 216.4057% | 49 |
| Total domestic deposits to total assets | 75.3225% | 6,609 |
| Equity capital to assets | 12.3215% | 1,834 |
| Core capital (leverage) ratio | 11.5530% | 1,864 |
| Tier 1 risk-based capital ratio | 19.3110% | 1,895 |
| Total risk-based capital ratio | 20.0972% | 2,000 |
| Memoranda: | ||
| Average total assets | $599,974,000 | 1,112 |
| Average earning assets | $581,276,000 | 1,038 |
| Average equity | $77,575,000 | 900 |
| Average total loans | $314,708,500 | 1,351 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7149% | 6,832 |
| Cost of funding earning assets | 0.6241% | 5,967 |
| Net interest margin | 3.0908% | 6,365 |
| Noninterest income to average assets | 1.1278% | 1,034 |
| Noninterest expense to average assets | 3.6175% | 1,711 |
| Loan and lease loss provision to assets | 0.0722% | 5,714 |
| Net operating income to assets | 0.2616% | 5,394 |
| Return on assets (ROA) | 0.3242% | 5,325 |
| Pretax return on assets | 0.5197% | 4,934 |
| Return on Equity (ROE) | 2.3028% | 5,543 |
| Retained earnings to average equity (ytd only) | 2.3028% | 4,577 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9842% | 1,360 |
| Assets per employee ($millions) | 9.4551% | 282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9328% | 6,451 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 52.6636% | 5,209 |
| Net loans and leases to deposits | 67.7161% | 4,480 |
| Net loans and leases to core deposits | 202.7794% | 60 |
| Total domestic deposits to total assets | 77.7712% | 6,235 |
| Equity capital to assets | 13.6080% | 1,218 |
| Core capital (leverage) ratio | 13.5114% | 959 |
| Tier 1 risk-based capital ratio | 22.2487% | 1,199 |
| Total risk-based capital ratio | 23.0661% | 1,229 |
| Memoranda: | ||
| Average total assets | $491,671,400 | 1,361 |
| Average earning assets | $474,627,600 | 1,291 |
| Average equity | $69,220,800 | 974 |
| Average total loans | $295,198,800 | 1,438 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8224% | 6,819 |
| Cost of funding earning assets | 0.6696% | 5,936 |
| Net interest margin | 3.1528% | 6,280 |
| Noninterest income to average assets | 1.0429% | 1,242 |
| Noninterest expense to average assets | 3.4652% | 2,034 |
| Loan and lease loss provision to assets | 0.1001% | 5,203 |
| Net operating income to assets | 0.3140% | 5,344 |
| Return on assets (ROA) | 0.3768% | 5,280 |
| Pretax return on assets | 0.6165% | 4,753 |
| Return on Equity (ROE) | 2.6497% | 5,558 |
| Retained earnings to average equity (ytd only) | 2.6497% | 4,770 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8550% | 1,647 |
| Assets per employee ($millions) | 8.6521% | 375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8999% | 6,596 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 59.6696% | 4,197 |
| Net loans and leases to deposits | 79.6395% | 2,696 |
| Net loans and leases to core deposits | 145.6712% | 150 |
| Total domestic deposits to total assets | 74.9246% | 6,649 |
| Equity capital to assets | 14.8711% | 887 |
| Core capital (leverage) ratio | 14.7389% | 719 |
| Tier 1 risk-based capital ratio | 23.1412% | 1,130 |
| Total risk-based capital ratio | 23.9933% | 1,158 |
| Memoranda: | ||
| Average total assets | $472,762,250 | 1,410 |
| Average earning assets | $455,964,500 | 1,343 |
| Average equity | $67,226,250 | 1,004 |
| Average total loans | $293,604,000 | 1,468 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9378% | 6,757 |
| Cost of funding earning assets | 0.6971% | 5,981 |
| Net interest margin | 3.2408% | 6,025 |
| Noninterest income to average assets | 0.7890% | 2,076 |
| Noninterest expense to average assets | 3.1677% | 3,017 |
| Loan and lease loss provision to assets | 0.1316% | 4,649 |
| Net operating income to assets | 0.3671% | 5,099 |
| Return on assets (ROA) | 0.4553% | 4,830 |
| Pretax return on assets | 0.7465% | 4,224 |
| Return on Equity (ROE) | 3.2581% | 5,276 |
| Retained earnings to average equity (ytd only) | 3.2581% | 4,191 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0542% | 2,232 |
| Assets per employee ($millions) | 9.0413% | 322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9101% | 6,629 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 67.8327% | 2,653 |
| Net loans and leases to deposits | 92.8917% | 961 |
| Net loans and leases to core deposits | 223.4047% | 62 |
| Total domestic deposits to total assets | 73.0234% | 6,922 |
| Equity capital to assets | 17.4577% | 430 |
| Core capital (leverage) ratio | 17.2030% | 390 |
| Tier 1 risk-based capital ratio | 26.3452% | 783 |
| Total risk-based capital ratio | 27.3022% | 793 |
| Memoranda: | ||
| Average total assets | $457,307,330 | 1,454 |
| Average earning assets | $440,139,000 | 1,396 |
| Average equity | $63,901,670 | 1,057 |
| Average total loans | $287,280,670 | 1,513 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7571% | 7,003 |
| Cost of funding earning assets | 0.7820% | 5,658 |
| Net interest margin | 2.9750% | 6,621 |
| Noninterest income to average assets | 0.5322% | 3,629 |
| Noninterest expense to average assets | 2.8154% | 4,383 |
| Loan and lease loss provision to assets | 0.1214% | 4,492 |
| Net operating income to assets | 0.3023% | 5,389 |
| Return on assets (ROA) | 0.3023% | 5,456 |
| Pretax return on assets | 0.4918% | 5,052 |
| Return on Equity (ROE) | 2.4553% | 5,616 |
| Retained earnings to average equity (ytd only) | 2.4553% | 4,682 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1150% | 2,210 |
| Assets per employee ($millions) | 12.7944% | 134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9106% | 6,671 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 61.4281% | 3,979 |
| Net loans and leases to deposits | 75.9363% | 3,430 |
| Net loans and leases to core deposits | 214.7481% | 63 |
| Total domestic deposits to total assets | 80.8942% | 5,694 |
| Equity capital to assets | 16.0039% | 574 |
| Core capital (leverage) ratio | 15.8205% | 534 |
| Tier 1 risk-based capital ratio | 24.8222% | 895 |
| Total risk-based capital ratio | 25.7098% | 911 |
| Memoranda: | ||
| Average total assets | $464,449,000 | 1,452 |
| Average earning assets | $452,163,000 | 1,371 |
| Average equity | $57,181,500 | 1,162 |
| Average total loans | $279,283,500 | 1,569 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9029% | 7,195 |
| Cost of funding earning assets | 0.9860% | 5,759 |
| Net interest margin | 2.9169% | 6,873 |
| Noninterest income to average assets | 0.2111% | 6,294 |
| Noninterest expense to average assets | 3.0357% | 3,709 |
| Loan and lease loss provision to assets | 0.2580% | 4,731 |
| Net operating income to assets | 0.8642% | 2,538 |
| Return on assets (ROA) | 1.2207% | 1,438 |
| Pretax return on assets | 0.1244% | 5,652 |
| Return on Equity (ROE) | 12.2605% | 1,266 |
| Retained earnings to average equity (ytd only) | 12.2605% | 253 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1557% | 812 |
| Assets per employee ($millions) | 13.0083% | 123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9006% | 6,721 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 57.7774% | 5,059 |
| Net loans and leases to deposits | 65.6125% | 5,443 |
| Net loans and leases to core deposits | 206.2373% | 77 |
| Total domestic deposits to total assets | 88.0585% | 2,210 |
| Equity capital to assets | 8.6801% | 5,612 |
| Core capital (leverage) ratio | 8.4963% | 5,374 |
| Tier 1 risk-based capital ratio | 14.1653% | 3,760 |
| Total risk-based capital ratio | 15.0426% | 3,977 |
| Memoranda: | ||
| Average total assets | $375,263,200 | 1,756 |
| Average earning assets | $366,730,200 | 1,640 |
| Average equity | $37,363,800 | 1,770 |
| Average total loans | $224,133,400 | 1,942 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9930% | 7,283 |
| Cost of funding earning assets | 1.0243% | 5,830 |
| Net interest margin | 2.9687% | 6,894 |
| Noninterest income to average assets | 0.2034% | 6,444 |
| Noninterest expense to average assets | 3.0654% | 3,510 |
| Loan and lease loss provision to assets | 0.3409% | 3,878 |
| Net operating income to assets | -0.3004% | 6,426 |
| Return on assets (ROA) | 0.1284% | 5,860 |
| Pretax return on assets | 0.1284% | 5,869 |
| Return on Equity (ROE) | 1.2369% | 5,839 |
| Retained earnings to average equity (ytd only) | 1.2369% | 5,318 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6951% | 794 |
| Assets per employee ($millions) | 13.2496% | 132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9000% | 6,744 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 66.2051% | 3,640 |
| Net loans and leases to deposits | 76.2463% | 4,136 |
| Net loans and leases to core deposits | 258.6192% | 59 |
| Total domestic deposits to total assets | 86.8306% | 2,630 |
| Equity capital to assets | 9.4863% | 4,866 |
| Core capital (leverage) ratio | 9.1193% | 4,501 |
| Tier 1 risk-based capital ratio | 13.7016% | 4,054 |
| Total risk-based capital ratio | 14.6083% | 4,268 |
| Memoranda: | ||
| Average total assets | $352,004,250 | 1,885 |
| Average earning assets | $344,158,000 | 1,763 |
| Average equity | $36,542,500 | 1,832 |
| Average total loans | $211,909,250 | 2,080 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8980% | 7,428 |
| Cost of funding earning assets | 0.9936% | 6,172 |
| Net interest margin | 2.9044% | 7,004 |
| Noninterest income to average assets | 0.2013% | 6,467 |
| Noninterest expense to average assets | 3.2383% | 2,767 |
| Loan and lease loss provision to assets | 0.3355% | 3,720 |
| Net operating income to assets | -0.5350% | 6,682 |
| Return on assets (ROA) | -0.1710% | 6,376 |
| Pretax return on assets | -0.1710% | 6,310 |
| Return on Equity (ROE) | -1.5932% | 6,387 |
| Retained earnings to average equity (ytd only) | -1.5932% | 6,085 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.5651% | 619 |
| Assets per employee ($millions) | 12.4494% | 147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9015% | 6,756 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 58.5357% | 5,327 |
| Net loans and leases to deposits | 67.4713% | 5,615 |
| Net loans and leases to core deposits | 213.2334% | 81 |
| Total domestic deposits to total assets | 86.7565% | 2,670 |
| Equity capital to assets | 9.5747% | 4,589 |
| Core capital (leverage) ratio | 9.1735% | 4,336 |
| Tier 1 risk-based capital ratio | 14.3652% | 3,510 |
| Total risk-based capital ratio | 15.2027% | 3,727 |
| Memoranda: | ||
| Average total assets | $336,842,670 | 1,977 |
| Average earning assets | $329,090,000 | 1,854 |
| Average equity | $36,154,330 | 1,850 |
| Average total loans | $194,029,670 | 2,273 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9364% | 7,504 |
| Cost of funding earning assets | 0.9769% | 6,485 |
| Net interest margin | 2.9595% | 6,923 |
| Noninterest income to average assets | 0.2037% | 6,508 |
| Noninterest expense to average assets | 3.8271% | 1,283 |
| Loan and lease loss provision to assets | 0.2485% | 4,059 |
| Net operating income to assets | -0.9850% | 7,096 |
| Return on assets (ROA) | -0.4316% | 6,822 |
| Pretax return on assets | -0.4316% | 6,739 |
| Return on Equity (ROE) | -3.7700% | 6,808 |
| Retained earnings to average equity (ytd only) | -3.7700% | 6,475 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.8293% | 401 |
| Assets per employee ($millions) | 11.1321% | 200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9022% | 6,832 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 53.5705% | 6,081 |
| Net loans and leases to deposits | 63.3054% | 6,136 |
| Net loans and leases to core deposits | 212.2345% | 93 |
| Total domestic deposits to total assets | 84.6222% | 3,846 |
| Equity capital to assets | 10.2995% | 3,474 |
| Core capital (leverage) ratio | 10.2485% | 2,874 |
| Tier 1 risk-based capital ratio | 16.2488% | 2,541 |
| Total risk-based capital ratio | 17.0225% | 2,688 |
| Memoranda: | ||
| Average total assets | $312,298,000 | 2,180 |
| Average earning assets | $304,643,000 | 2,056 |
| Average equity | $35,755,500 | 1,882 |
| Average total loans | $177,063,000 | 2,517 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3741% | 7,505 |
| Cost of funding earning assets | 1.1156% | 6,926 |
| Net interest margin | 3.2585% | 5,896 |
| Noninterest income to average assets | 0.2259% | 6,498 |
| Noninterest expense to average assets | 4.4333% | 849 |
| Loan and lease loss provision to assets | 0.5386% | 3,676 |
| Net operating income to assets | -1.6166% | 6,912 |
| Return on assets (ROA) | -1.5966% | 6,905 |
| Pretax return on assets | -1.5966% | 6,756 |
| Return on Equity (ROE) | -9.2019% | 6,556 |
| Retained earnings to average equity (ytd only) | -9.2019% | 6,452 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.1307% | 457 |
| Assets per employee ($millions) | 9.0162% | 349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8892% | 6,866 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 59.4216% | 5,431 |
| Net loans and leases to deposits | 73.7001% | 5,095 |
| Net loans and leases to core deposits | 233.7335% | 56 |
| Total domestic deposits to total assets | 80.6262% | 5,458 |
| Equity capital to assets | 12.8686% | 1,563 |
| Core capital (leverage) ratio | 12.7478% | 1,328 |
| Tier 1 risk-based capital ratio | 19.7185% | 1,512 |
| Total risk-based capital ratio | 20.5442% | 1,557 |
| Memoranda: | ||
| Average total assets | $209,819,000 | 3,066 |
| Average earning assets | $201,505,600 | 2,949 |
| Average equity | $36,405,600 | 1,850 |
| Average total loans | $109,722,400 | 3,702 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4594% | 7,552 |
| Cost of funding earning assets | 1.1674% | 6,981 |
| Net interest margin | 3.2919% | 5,669 |
| Noninterest income to average assets | 0.2252% | 6,619 |
| Noninterest expense to average assets | 4.6188% | 652 |
| Loan and lease loss provision to assets | 0.6687% | 2,733 |
| Net operating income to assets | -1.9182% | 7,284 |
| Return on assets (ROA) | -1.8891% | 7,273 |
| Pretax return on assets | -1.8891% | 7,128 |
| Return on Equity (ROE) | -9.9537% | 6,890 |
| Retained earnings to average equity (ytd only) | -9.9537% | 6,800 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 137.0835% | 405 |
| Assets per employee ($millions) | 7.7757% | 563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9013% | 6,753 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 60.4378% | 5,515 |
| Net loans and leases to deposits | 80.9279% | 4,212 |
| Net loans and leases to core deposits | 229.7782% | 60 |
| Total domestic deposits to total assets | 74.6810% | 6,830 |
| Equity capital to assets | 15.4882% | 891 |
| Core capital (leverage) ratio | 15.0640% | 845 |
| Tier 1 risk-based capital ratio | 21.8836% | 1,237 |
| Total risk-based capital ratio | 22.6861% | 1,274 |
| Memoranda: | ||
| Average total assets | $192,398,500 | 3,286 |
| Average earning assets | $183,759,000 | 3,195 |
| Average equity | $36,515,000 | 1,863 |
| Average total loans | $95,259,500 | 4,115 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1294% | 7,861 |
| Cost of funding earning assets | 1.1447% | 7,261 |
| Net interest margin | 2.9848% | 6,592 |
| Noninterest income to average assets | 0.2202% | 6,724 |
| Noninterest expense to average assets | 4.8813% | 561 |
| Loan and lease loss provision to assets | 0.8332% | 2,009 |
| Net operating income to assets | -2.5905% | 7,585 |
| Return on assets (ROA) | -2.5905% | 7,575 |
| Pretax return on assets | -2.5905% | 7,444 |
| Return on Equity (ROE) | -12.5931% | 7,206 |
| Retained earnings to average equity (ytd only) | -12.5931% | 7,090 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 156.2500% | 342 |
| Assets per employee ($millions) | 7.8391% | 528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9009% | 6,763 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 51.1258% | 6,773 |
| Net loans and leases to deposits | 70.2798% | 5,962 |
| Net loans and leases to core deposits | 75.7561% | 6,693 |
| Total domestic deposits to total assets | 72.7460% | 7,148 |
| Equity capital to assets | 15.3687% | 954 |
| Core capital (leverage) ratio | 15.4973% | 825 |
| Tier 1 risk-based capital ratio | 22.6547% | 1,175 |
| Total risk-based capital ratio | 23.3331% | 1,211 |
| Memoranda: | ||
| Average total assets | $176,182,000 | 3,537 |
| Average earning assets | $171,404,330 | 3,371 |
| Average equity | $36,242,000 | 1,883 |
| Average total loans | $78,009,670 | 4,658 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7395% | 8,052 |
| Cost of funding earning assets | 1.1716% | 7,362 |
| Net interest margin | 2.5679% | 7,415 |
| Noninterest income to average assets | 0.2072% | 6,810 |
| Noninterest expense to average assets | 5.5029% | 362 |
| Loan and lease loss provision to assets | 0.8099% | 1,595 |
| Net operating income to assets | -3.6131% | 7,933 |
| Return on assets (ROA) | -3.6131% | 7,925 |
| Pretax return on assets | -3.6131% | 7,856 |
| Return on Equity (ROE) | -14.6040% | 7,588 |
| Retained earnings to average equity (ytd only) | -14.6040% | 7,416 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 203.8384% | 178 |
| Assets per employee ($millions) | 7.2026% | 709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8997% | 6,754 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 35.8310% | 7,738 |
| Net loans and leases to deposits | 44.8606% | 7,696 |
| Net loans and leases to core deposits | 47.9238% | 7,835 |
| Total domestic deposits to total assets | 79.8718% | 5,412 |
| Equity capital to assets | 17.5850% | 658 |
| Core capital (leverage) ratio | 18.2819% | 524 |
| Tier 1 risk-based capital ratio | 50.1739% | 203 |
| Total risk-based capital ratio | 51.0792% | 204 |
| Memoranda: | ||
| Average total assets | $146,686,500 | 4,062 |
| Average earning assets | $142,372,000 | 3,908 |
| Average equity | $36,291,500 | 1,883 |
| Average total loans | $56,351,000 | 5,528 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9955% | 8,175 |
| Cost of funding earning assets | 0.5938% | 8,178 |
| Net interest margin | 2.4016% | 7,846 |
| Noninterest income to average assets | 0.1256% | 7,488 |
| Noninterest expense to average assets | 11.8633% | 111 |
| Loan and lease loss provision to assets | 0.4734% | 2,932 |
| Net operating income to assets | -9.9222% | 8,256 |
| Return on assets (ROA) | -9.9222% | 8,254 |
| Pretax return on assets | -9.9222% | 8,243 |
| Return on Equity (ROE) | -19.0513% | 7,739 |
| Retained earnings to average equity (ytd only) | -19.0513% | 7,655 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 491.3472% | 50 |
| Assets per employee ($millions) | 3.6680% | 4,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8998% | 6,682 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 42.9952% | 7,532 |
| Net loans and leases to deposits | 73.6871% | 5,877 |
| Net loans and leases to core deposits | 87.4931% | 6,024 |
| Total domestic deposits to total assets | 58.3483% | 8,004 |
| Equity capital to assets | 40.4783% | 99 |
| Core capital (leverage) ratio | 41.4601% | 104 |
| Tier 1 risk-based capital ratio | 89.7706% | 90 |
| Total risk-based capital ratio | 90.6019% | 90 |
| Memoranda: | ||
| Average total assets | $75,628,330 | 5,854 |
| Average earning assets | $72,075,670 | 5,736 |
| Average equity | $39,388,330 | 1,711 |
| Average total loans | $20,180,000 | 7,321 |