Home > First Capital Bank > Performance and Condition Ratios
First Capital Bank, Performance and Condition Ratios
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0757% | 1,359 |
| Cost of funding earning assets | 0.9138% | 135 |
| Net interest margin | 3.1619% | 2,852 |
| Noninterest income to average assets | 0.0047% | 4,875 |
| Noninterest expense to average assets | 1.6281% | 4,428 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9605% | 3,043 |
| Return on assets (ROA) | 0.9605% | 3,128 |
| Pretax return on assets | 1.3202% | 2,573 |
| Return on Equity (ROE) | 9.1518% | 3,061 |
| Retained earnings to average equity (ytd only) | 7.0918% | 2,382 |
| Net charge-offs to loans | 0.0128% | 1,858 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 126.5517% | 751 |
| Efficiency ratio | 55.2221% | 3,630 |
| Assets per employee ($millions) | 16.3553% | 160 |
| Cash dividends to net income (ytd only)* | 22.5094% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1009% | 3,432 |
| Loan loss allowance to noncurrent loans | 1,602.8986% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.0550% | 3,761 |
| Noncurrent loans to loans | 0.0687% | 3,753 |
| Net loans and leases to total assets | 79.2396% | 334 |
| Net loans and leases to deposits | 94.7618% | 387 |
| Net loans and leases to core deposits | 107.6580% | 375 |
| Total domestic deposits to total assets | 83.6198% | 3,558 |
| Equity capital to assets | 10.6018% | 2,364 |
| Core capital (leverage) ratio | 10.5499% | 2,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $370,637,250 | 2,122 |
| Average earning assets | $345,063,500 | 2,127 |
| Average equity | $38,898,500 | 2,143 |
| Average total loans | $302,324,750 | 1,728 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1484% | 1,264 |
| Cost of funding earning assets | 0.9651% | 126 |
| Net interest margin | 3.1833% | 2,802 |
| Noninterest income to average assets | 0.0662% | 4,801 |
| Noninterest expense to average assets | 1.6183% | 4,484 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0315% | 2,784 |
| Return on assets (ROA) | 1.0315% | 2,862 |
| Pretax return on assets | 1.4154% | 2,283 |
| Return on Equity (ROE) | 9.8623% | 2,801 |
| Retained earnings to average equity (ytd only) | 8.3068% | 1,973 |
| Net charge-offs to loans | 0.0192% | 1,556 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 90.0000% | 793 |
| Efficiency ratio | 53.3429% | 3,881 |
| Assets per employee ($millions) | 17.1688% | 146 |
| Cash dividends to net income (ytd only)* | 15.7729% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0839% | 3,484 |
| Loan loss allowance to noncurrent loans | 1,572.5118% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.4421% | 1,859 |
| Noncurrent loans to loans | 0.0689% | 3,846 |
| Net loans and leases to total assets | 80.1683% | 306 |
| Net loans and leases to deposits | 95.5164% | 399 |
| Net loans and leases to core deposits | 108.5326% | 403 |
| Total domestic deposits to total assets | 83.9315% | 3,464 |
| Equity capital to assets | 10.4304% | 2,458 |
| Core capital (leverage) ratio | 10.2351% | 2,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $368,792,000 | 2,123 |
| Average earning assets | $343,791,667 | 2,121 |
| Average equity | $38,571,000 | 2,153 |
| Average total loans | $302,634,333 | 1,732 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0355% | 1,535 |
| Cost of funding earning assets | 1.0189% | 123 |
| Net interest margin | 3.0166% | 3,215 |
| Noninterest income to average assets | 0.0604% | 4,824 |
| Noninterest expense to average assets | 1.5931% | 4,546 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9288% | 3,050 |
| Return on assets (ROA) | 0.9288% | 3,123 |
| Pretax return on assets | 1.2725% | 2,648 |
| Return on Equity (ROE) | 8.8684% | 3,081 |
| Retained earnings to average equity (ytd only) | 8.8684% | 1,994 |
| Net charge-offs to loans | 0.0186% | 1,367 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 82.7857% | 688 |
| Efficiency ratio | 55.5939% | 3,588 |
| Assets per employee ($millions) | 15.8747% | 170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1117% | 3,377 |
| Loan loss allowance to noncurrent loans | 299.7302% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.7042% | 1,331 |
| Noncurrent loans to loans | 0.3709% | 2,759 |
| Net loans and leases to total assets | 81.2039% | 268 |
| Net loans and leases to deposits | 97.9666% | 346 |
| Net loans and leases to core deposits | 111.9912% | 358 |
| Total domestic deposits to total assets | 82.8894% | 3,710 |
| Equity capital to assets | 10.5670% | 2,198 |
| Core capital (leverage) ratio | 10.5793% | 2,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $364,331,000 | 2,127 |
| Average earning assets | $338,789,500 | 2,127 |
| Average equity | $38,158,000 | 2,156 |
| Average total loans | $300,889,000 | 1,743 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2395% | 2,031 |
| Cost of funding earning assets | 1.4779% | 91 |
| Net interest margin | 2.7616% | 4,309 |
| Noninterest income to average assets | 0.0935% | 4,760 |
| Noninterest expense to average assets | 1.4941% | 4,784 |
| Loan and lease loss provision to assets | 0.4742% | 562 |
| Net operating income to assets | 0.5543% | 3,890 |
| Return on assets (ROA) | 0.5543% | 3,993 |
| Pretax return on assets | 0.7674% | 3,710 |
| Return on Equity (ROE) | 5.3195% | 3,807 |
| Retained earnings to average equity (ytd only) | 2.3077% | 3,700 |
| Net charge-offs to loans | 0.1829% | 923 |
| Credit loss provision to net charge-offs | 308.5299% | 1,706 |
| Earnings coverage of net charge-offs (x) | 8.0780% | 2,637 |
| Efficiency ratio | 54.6141% | 4,146 |
| Assets per employee ($millions) | 15.1476% | 174 |
| Cash dividends to net income (ytd only)* | 56.6180% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1084% | 3,422 |
| Loan loss allowance to noncurrent loans | 292.8259% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.7157% | 1,452 |
| Noncurrent loans to loans | 0.3785% | 2,849 |
| Net loans and leases to total assets | 82.1380% | 284 |
| Net loans and leases to deposits | 98.9614% | 417 |
| Net loans and leases to core deposits | 113.1083% | 431 |
| Total domestic deposits to total assets | 83.0001% | 3,410 |
| Equity capital to assets | 10.3795% | 2,772 |
| Core capital (leverage) ratio | 10.4081% | 2,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $358,479,600 | 2,009 |
| Average earning assets | $342,991,400 | 1,965 |
| Average equity | $37,352,800 | 2,114 |
| Average total loans | $301,265,200 | 1,679 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2658% | 2,200 |
| Cost of funding earning assets | 1.5571% | 98 |
| Net interest margin | 2.7088% | 4,455 |
| Noninterest income to average assets | 0.1034% | 4,750 |
| Noninterest expense to average assets | 1.4128% | 4,856 |
| Loan and lease loss provision to assets | 0.4851% | 626 |
| Net operating income to assets | 0.5923% | 3,789 |
| Return on assets (ROA) | 0.5923% | 3,888 |
| Pretax return on assets | 0.8189% | 3,596 |
| Return on Equity (ROE) | 5.6793% | 3,670 |
| Retained earnings to average equity (ytd only) | 2.7269% | 3,633 |
| Net charge-offs to loans | 0.2440% | 626 |
| Credit loss provision to net charge-offs | 235.9347% | 1,977 |
| Earnings coverage of net charge-offs (x) | 6.3412% | 2,656 |
| Efficiency ratio | 51.9989% | 4,342 |
| Assets per employee ($millions) | 15.0076% | 164 |
| Cash dividends to net income (ytd only)* | 51.9849% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9650% | 3,829 |
| Loan loss allowance to noncurrent loans | 1,281.3043% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.4689% | 2,317 |
| Noncurrent loans to loans | 0.0753% | 4,072 |
| Net loans and leases to total assets | 83.9673% | 281 |
| Net loans and leases to deposits | 101.4712% | 472 |
| Net loans and leases to core deposits | 116.0761% | 499 |
| Total domestic deposits to total assets | 82.7498% | 3,205 |
| Equity capital to assets | 10.4386% | 2,840 |
| Core capital (leverage) ratio | 10.3942% | 2,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $357,213,750 | 1,994 |
| Average earning assets | $344,651,750 | 1,942 |
| Average equity | $37,257,500 | 2,108 |
| Average total loans | $301,093,000 | 1,676 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3535% | 2,330 |
| Cost of funding earning assets | 1.6505% | 93 |
| Net interest margin | 2.7030% | 4,550 |
| Noninterest income to average assets | 0.1033% | 4,769 |
| Noninterest expense to average assets | 1.4160% | 4,895 |
| Loan and lease loss provision to assets | 0.3369% | 1,271 |
| Net operating income to assets | 0.6951% | 3,401 |
| Return on assets (ROA) | 0.6951% | 3,507 |
| Pretax return on assets | 0.9589% | 3,153 |
| Return on Equity (ROE) | 6.6659% | 3,262 |
| Retained earnings to average equity (ytd only) | 3.8391% | 2,990 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2153% | 4,340 |
| Assets per employee ($millions) | 14.8123% | 177 |
| Cash dividends to net income (ytd only)* | 42.4071% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9259% | 3,894 |
| Loan loss allowance to noncurrent loans | 1,180.5907% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.4771% | 2,412 |
| Noncurrent loans to loans | 0.0784% | 4,145 |
| Net loans and leases to total assets | 84.2203% | 236 |
| Net loans and leases to deposits | 102.1488% | 444 |
| Net loans and leases to core deposits | 119.3981% | 440 |
| Total domestic deposits to total assets | 82.4486% | 3,256 |
| Equity capital to assets | 10.5518% | 2,707 |
| Core capital (leverage) ratio | 10.6291% | 2,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $356,224,333 | 1,979 |
| Average earning assets | $343,771,333 | 1,925 |
| Average equity | $37,144,000 | 2,112 |
| Average total loans | $299,663,333 | 1,664 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5298% | 2,222 |
| Cost of funding earning assets | 1.7675% | 99 |
| Net interest margin | 2.7622% | 4,608 |
| Noninterest income to average assets | 0.1032% | 4,810 |
| Noninterest expense to average assets | 1.4863% | 4,930 |
| Loan and lease loss provision to assets | 0.1122% | 2,280 |
| Net operating income to assets | 0.8480% | 2,722 |
| Return on assets (ROA) | 0.8480% | 2,813 |
| Pretax return on assets | 1.1711% | 2,300 |
| Return on Equity (ROE) | 8.1817% | 2,438 |
| Retained earnings to average equity (ytd only) | 4.9350% | 2,301 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6655% | 4,419 |
| Assets per employee ($millions) | 14.8116% | 133 |
| Cash dividends to net income (ytd only)* | 39.6825% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7734% | 4,465 |
| Loan loss allowance to noncurrent loans | 941.8033% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.4791% | 2,569 |
| Noncurrent loans to loans | 0.0821% | 4,182 |
| Net loans and leases to total assets | 82.9447% | 359 |
| Net loans and leases to deposits | 100.5508% | 516 |
| Net loans and leases to core deposits | 118.8365% | 504 |
| Total domestic deposits to total assets | 82.4903% | 3,262 |
| Equity capital to assets | 10.4704% | 3,352 |
| Core capital (leverage) ratio | 10.4122% | 3,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $356,589,500 | 1,932 |
| Average earning assets | $344,213,000 | 1,875 |
| Average equity | $36,960,500 | 2,114 |
| Average total loans | $298,397,000 | 1,653 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8335% | 1,941 |
| Cost of funding earning assets | 1.8874% | 99 |
| Net interest margin | 2.9461% | 4,588 |
| Noninterest income to average assets | 0.0450% | 5,045 |
| Noninterest expense to average assets | 1.6393% | 4,921 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.9100% | 3,166 |
| Return on assets (ROA) | 0.9100% | 3,250 |
| Pretax return on assets | 1.2452% | 2,682 |
| Return on Equity (ROE) | 8.5066% | 2,939 |
| Retained earnings to average equity (ytd only) | 5.3643% | 2,240 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8307% | 4,108 |
| Assets per employee ($millions) | 13.7577% | 154 |
| Cash dividends to net income (ytd only)* | 36.9393% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7335% | 4,501 |
| Loan loss allowance to noncurrent loans | 4,676.5957% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.4210% | 2,710 |
| Noncurrent loans to loans | 0.0157% | 4,516 |
| Net loans and leases to total assets | 83.1555% | 409 |
| Net loans and leases to deposits | 100.4678% | 575 |
| Net loans and leases to core deposits | 115.8512% | 604 |
| Total domestic deposits to total assets | 82.7683% | 3,280 |
| Equity capital to assets | 10.2602% | 3,667 |
| Core capital (leverage) ratio | 10.4635% | 2,990 |
| Tier 1 risk-based capital ratio | 11.1602% | 4,797 |
| Total risk-based capital ratio | 11.8287% | 4,920 |
| Memoranda: | ||
| Average total assets | $333,186,200 | 1,968 |
| Average earning assets | $321,131,000 | 1,918 |
| Average equity | $35,642,800 | 2,112 |
| Average total loans | $284,405,600 | 1,670 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8237% | 2,048 |
| Cost of funding earning assets | 1.8760% | 109 |
| Net interest margin | 2.9477% | 4,698 |
| Noninterest income to average assets | 0.1370% | 4,849 |
| Noninterest expense to average assets | 1.6792% | 4,945 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9515% | 3,163 |
| Return on assets (ROA) | 0.9515% | 3,237 |
| Pretax return on assets | 1.2992% | 2,674 |
| Return on Equity (ROE) | 8.7961% | 2,959 |
| Retained earnings to average equity (ytd only) | 5.7058% | 2,508 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3783% | 4,129 |
| Assets per employee ($millions) | 13.2435% | 159 |
| Cash dividends to net income (ytd only)* | 35.1330% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7284% | 4,588 |
| Loan loss allowance to noncurrent loans | 4,070.3704% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.5178% | 2,458 |
| Noncurrent loans to loans | 0.0179% | 4,597 |
| Net loans and leases to total assets | 86.9965% | 134 |
| Net loans and leases to deposits | 105.9041% | 328 |
| Net loans and leases to core deposits | 122.7096% | 448 |
| Total domestic deposits to total assets | 82.1465% | 3,434 |
| Equity capital to assets | 10.5338% | 3,514 |
| Core capital (leverage) ratio | 10.7671% | 2,873 |
| Tier 1 risk-based capital ratio | 11.3187% | 4,755 |
| Total risk-based capital ratio | 12.0048% | 4,909 |
| Memoranda: | ||
| Average total assets | $327,057,500 | 2,008 |
| Average earning assets | $315,268,250 | 1,947 |
| Average equity | $35,378,250 | 2,138 |
| Average total loans | $280,595,500 | 1,700 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7461% | 2,239 |
| Cost of funding earning assets | 1.8229% | 118 |
| Net interest margin | 2.9231% | 4,798 |
| Noninterest income to average assets | 0.1102% | 4,997 |
| Noninterest expense to average assets | 1.7124% | 4,966 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8764% | 3,379 |
| Return on assets (ROA) | 0.8764% | 3,443 |
| Pretax return on assets | 1.2126% | 2,871 |
| Return on Equity (ROE) | 8.0272% | 3,282 |
| Retained earnings to average equity (ytd only) | 5.0626% | 2,741 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5444% | 3,930 |
| Assets per employee ($millions) | 13.3082% | 155 |
| Cash dividends to net income (ytd only)* | 36.9318% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7630% | 4,573 |
| Loan loss allowance to noncurrent loans | 3,856.1404% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.5368% | 2,404 |
| Noncurrent loans to loans | 0.0198% | 4,628 |
| Net loans and leases to total assets | 85.9274% | 221 |
| Net loans and leases to deposits | 104.9639% | 380 |
| Net loans and leases to core deposits | 121.1635% | 511 |
| Total domestic deposits to total assets | 81.8638% | 3,558 |
| Equity capital to assets | 10.7044% | 3,341 |
| Core capital (leverage) ratio | 10.9973% | 2,604 |
| Tier 1 risk-based capital ratio | 11.4988% | 4,686 |
| Total risk-based capital ratio | 12.2088% | 4,845 |
| Memoranda: | ||
| Average total assets | $321,300,000 | 2,041 |
| Average earning assets | $309,393,330 | 1,985 |
| Average equity | $35,080,670 | 2,137 |
| Average total loans | $273,543,000 | 1,741 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6035% | 2,521 |
| Cost of funding earning assets | 1.7595% | 124 |
| Net interest margin | 2.8440% | 4,943 |
| Noninterest income to average assets | 0.1065% | 5,054 |
| Noninterest expense to average assets | 1.6679% | 5,047 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8504% | 3,450 |
| Return on assets (ROA) | 0.8504% | 3,494 |
| Pretax return on assets | 1.1774% | 2,886 |
| Return on Equity (ROE) | 7.7095% | 3,370 |
| Retained earnings to average equity (ytd only) | 4.2627% | 3,213 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6192% | 4,002 |
| Assets per employee ($millions) | 12.7030% | 173 |
| Cash dividends to net income (ytd only)* | 44.7094% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8126% | 4,479 |
| Loan loss allowance to noncurrent loans | 8,140.7407% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.5529% | 2,433 |
| Noncurrent loans to loans | 0.0100% | 4,742 |
| Net loans and leases to total assets | 84.4767% | 331 |
| Net loans and leases to deposits | 104.0132% | 393 |
| Net loans and leases to core deposits | 118.8902% | 556 |
| Total domestic deposits to total assets | 81.2174% | 3,927 |
| Equity capital to assets | 11.0305% | 2,820 |
| Core capital (leverage) ratio | 11.2450% | 2,345 |
| Tier 1 risk-based capital ratio | 11.9843% | 4,471 |
| Total risk-based capital ratio | 12.7361% | 4,646 |
| Memoranda: | ||
| Average total assets | $315,598,000 | 2,093 |
| Average earning assets | $303,943,000 | 2,031 |
| Average equity | $34,814,000 | 2,147 |
| Average total loans | $266,273,500 | 1,777 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5213% | 2,398 |
| Cost of funding earning assets | 1.3651% | 161 |
| Net interest margin | 3.1562% | 4,565 |
| Noninterest income to average assets | 0.0026% | 5,346 |
| Noninterest expense to average assets | 1.7617% | 5,040 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9195% | 3,367 |
| Return on assets (ROA) | 0.9195% | 3,357 |
| Pretax return on assets | 1.2764% | 2,594 |
| Return on Equity (ROE) | 8.4863% | 3,226 |
| Retained earnings to average equity (ytd only) | 8.0054% | 1,229 |
| Net charge-offs to loans | 0.0393% | 2,618 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 38.4216% | 1,354 |
| Efficiency ratio | 57.9867% | 4,163 |
| Assets per employee ($millions) | 12.0623% | 194 |
| Cash dividends to net income (ytd only)* | 5.6677% | 3,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8387% | 4,398 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5513% | 2,400 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 82.8624% | 530 |
| Net loans and leases to deposits | 102.0579% | 588 |
| Net loans and leases to core deposits | 118.8849% | 583 |
| Total domestic deposits to total assets | 81.1916% | 3,846 |
| Equity capital to assets | 11.0318% | 2,652 |
| Core capital (leverage) ratio | 11.2029% | 2,351 |
| Tier 1 risk-based capital ratio | 12.1302% | 4,336 |
| Total risk-based capital ratio | 12.9003% | 4,532 |
| Memoranda: | ||
| Average total assets | $307,025,800 | 2,108 |
| Average earning assets | $295,291,400 | 2,047 |
| Average equity | $33,265,200 | 2,139 |
| Average total loans | $259,688,000 | 1,782 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4653% | 2,411 |
| Cost of funding earning assets | 1.2820% | 173 |
| Net interest margin | 3.1833% | 4,543 |
| Noninterest income to average assets | -0.0279% | 5,442 |
| Noninterest expense to average assets | 1.7626% | 5,075 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9160% | 3,455 |
| Return on assets (ROA) | 0.9160% | 3,461 |
| Pretax return on assets | 1.2701% | 2,728 |
| Return on Equity (ROE) | 8.4940% | 3,331 |
| Retained earnings to average equity (ytd only) | 8.4940% | 1,421 |
| Net charge-offs to loans | 0.0525% | 2,076 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 28.5189% | 1,660 |
| Efficiency ratio | 58.1198% | 4,103 |
| Assets per employee ($millions) | 11.7750% | 210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8593% | 4,423 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5785% | 2,446 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 82.8281% | 584 |
| Net loans and leases to deposits | 102.3586% | 625 |
| Net loans and leases to core deposits | 115.9128% | 720 |
| Total domestic deposits to total assets | 80.9195% | 3,888 |
| Equity capital to assets | 11.0844% | 2,589 |
| Core capital (leverage) ratio | 11.1955% | 2,419 |
| Tier 1 risk-based capital ratio | 12.3559% | 4,279 |
| Total risk-based capital ratio | 13.1543% | 4,431 |
| Memoranda: | ||
| Average total assets | $305,377,000 | 2,128 |
| Average earning assets | $293,606,000 | 2,070 |
| Average equity | $32,932,000 | 2,165 |
| Average total loans | $259,092,000 | 1,790 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4342% | 2,305 |
| Cost of funding earning assets | 1.2110% | 178 |
| Net interest margin | 3.2232% | 4,453 |
| Noninterest income to average assets | 0.0983% | 5,276 |
| Noninterest expense to average assets | 1.7462% | 5,152 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0468% | 2,824 |
| Return on assets (ROA) | 1.0468% | 2,819 |
| Pretax return on assets | 1.4506% | 1,985 |
| Return on Equity (ROE) | 9.7982% | 2,657 |
| Retained earnings to average equity (ytd only) | 9.7982% | 985 |
| Net charge-offs to loans | 0.0784% | 1,539 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 21.6961% | 1,767 |
| Efficiency ratio | 54.6237% | 4,624 |
| Assets per employee ($millions) | 11.6627% | 209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8629% | 4,501 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7328% | 2,038 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 83.2801% | 547 |
| Net loans and leases to deposits | 102.8489% | 606 |
| Net loans and leases to core deposits | 116.2297% | 705 |
| Total domestic deposits to total assets | 80.9733% | 4,006 |
| Equity capital to assets | 11.0216% | 2,619 |
| Core capital (leverage) ratio | 11.0069% | 2,519 |
| Tier 1 risk-based capital ratio | 12.1957% | 4,376 |
| Total risk-based capital ratio | 12.9966% | 4,533 |
| Memoranda: | ||
| Average total assets | $305,119,000 | 2,140 |
| Average earning assets | $293,309,330 | 2,080 |
| Average equity | $32,597,670 | 2,190 |
| Average total loans | $260,197,000 | 1,790 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3715% | 2,290 |
| Cost of funding earning assets | 1.1496% | 178 |
| Net interest margin | 3.2219% | 4,397 |
| Noninterest income to average assets | 0.0993% | 5,333 |
| Noninterest expense to average assets | 1.7395% | 5,212 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0521% | 2,634 |
| Return on assets (ROA) | 1.0521% | 2,647 |
| Pretax return on assets | 1.4585% | 1,809 |
| Return on Equity (ROE) | 10.0043% | 2,421 |
| Retained earnings to average equity (ytd only) | 10.0043% | 1,149 |
| Net charge-offs to loans | 0.1552% | 909 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 10.9412% | 1,876 |
| Efficiency ratio | 54.3931% | 4,759 |
| Assets per employee ($millions) | 11.3382% | 225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8577% | 4,610 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7298% | 2,130 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 82.9962% | 536 |
| Net loans and leases to deposits | 101.9329% | 581 |
| Net loans and leases to core deposits | 114.3965% | 787 |
| Total domestic deposits to total assets | 81.4223% | 4,110 |
| Equity capital to assets | 10.6484% | 2,929 |
| Core capital (leverage) ratio | 10.7180% | 2,718 |
| Tier 1 risk-based capital ratio | 11.7538% | 4,711 |
| Total risk-based capital ratio | 12.5455% | 4,870 |
| Memoranda: | ||
| Average total assets | $306,063,000 | 2,156 |
| Average earning assets | $294,361,000 | 2,098 |
| Average equity | $32,186,000 | 2,228 |
| Average total loans | $262,931,000 | 1,780 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3530% | 2,172 |
| Cost of funding earning assets | 0.9469% | 297 |
| Net interest margin | 3.4061% | 3,833 |
| Noninterest income to average assets | 0.0642% | 5,500 |
| Noninterest expense to average assets | 1.8370% | 5,209 |
| Loan and lease loss provision to assets | 0.1089% | 2,067 |
| Net operating income to assets | 0.7774% | 3,263 |
| Return on assets (ROA) | 0.7774% | 3,303 |
| Pretax return on assets | 1.3871% | 2,036 |
| Return on Equity (ROE) | 7.8260% | 2,878 |
| Retained earnings to average equity (ytd only) | 6.7949% | 1,156 |
| Net charge-offs to loans | 0.2104% | 1,238 |
| Credit loss provision to net charge-offs | 59.6262% | 3,221 |
| Earnings coverage of net charge-offs (x) | 8.1907% | 2,944 |
| Efficiency ratio | 55.1163% | 4,851 |
| Assets per employee ($millions) | 11.3331% | 222 |
| Cash dividends to net income (ytd only)* | 13.1752% | 3,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8532% | 4,656 |
| Loan loss allowance to noncurrent loans | 1,811.0236% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.7752% | 2,011 |
| Noncurrent loans to loans | 0.0471% | 4,786 |
| Net loans and leases to total assets | 87.3501% | 167 |
| Net loans and leases to deposits | 106.8046% | 370 |
| Net loans and leases to core deposits | 121.6639% | 531 |
| Total domestic deposits to total assets | 81.7850% | 3,915 |
| Equity capital to assets | 10.3838% | 3,287 |
| Core capital (leverage) ratio | 10.4746% | 2,866 |
| Tier 1 risk-based capital ratio | 11.1063% | 5,082 |
| Total risk-based capital ratio | 11.9101% | 5,204 |
| Memoranda: | ||
| Average total assets | $292,918,200 | 2,205 |
| Average earning assets | $281,116,600 | 2,149 |
| Average equity | $29,095,200 | 2,422 |
| Average total loans | $254,223,800 | 1,794 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3194% | 2,212 |
| Cost of funding earning assets | 0.9068% | 331 |
| Net interest margin | 3.4126% | 3,805 |
| Noninterest income to average assets | 0.0557% | 5,595 |
| Noninterest expense to average assets | 1.8555% | 5,193 |
| Loan and lease loss provision to assets | 0.0387% | 3,332 |
| Net operating income to assets | 0.8847% | 3,108 |
| Return on assets (ROA) | 0.8847% | 3,153 |
| Pretax return on assets | 1.4339% | 1,997 |
| Return on Equity (ROE) | 9.0151% | 2,588 |
| Retained earnings to average equity (ytd only) | 7.6080% | 1,384 |
| Net charge-offs to loans | 0.2971% | 710 |
| Credit loss provision to net charge-offs | 15.0538% | 3,191 |
| Earnings coverage of net charge-offs (x) | 5.7330% | 3,063 |
| Efficiency ratio | 55.7538% | 4,773 |
| Assets per employee ($millions) | 10.8153% | 251 |
| Cash dividends to net income (ytd only)* | 15.6088% | 3,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7967% | 4,904 |
| Loan loss allowance to noncurrent loans | 487.3508% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.9164% | 1,862 |
| Noncurrent loans to loans | 0.1635% | 4,409 |
| Net loans and leases to total assets | 87.0701% | 201 |
| Net loans and leases to deposits | 107.4929% | 357 |
| Net loans and leases to core deposits | 124.8981% | 436 |
| Total domestic deposits to total assets | 81.0008% | 4,046 |
| Equity capital to assets | 10.7437% | 3,122 |
| Core capital (leverage) ratio | 10.8465% | 2,600 |
| Tier 1 risk-based capital ratio | 11.4118% | 5,005 |
| Total risk-based capital ratio | 12.1545% | 5,189 |
| Memoranda: | ||
| Average total assets | $289,649,000 | 2,236 |
| Average earning assets | $277,748,250 | 2,184 |
| Average equity | $28,425,500 | 2,483 |
| Average total loans | $250,383,000 | 1,825 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2782% | 2,201 |
| Cost of funding earning assets | 0.8870% | 329 |
| Net interest margin | 3.3912% | 3,803 |
| Noninterest income to average assets | 0.0346% | 5,677 |
| Noninterest expense to average assets | 1.8611% | 5,240 |
| Loan and lease loss provision to assets | 0.0582% | 2,810 |
| Net operating income to assets | 0.8426% | 3,191 |
| Return on assets (ROA) | 0.8426% | 3,235 |
| Pretax return on assets | 1.3661% | 2,148 |
| Return on Equity (ROE) | 8.8693% | 2,569 |
| Retained earnings to average equity (ytd only) | 6.6829% | 1,749 |
| Net charge-offs to loans | 0.3534% | 569 |
| Credit loss provision to net charge-offs | 19.1344% | 2,791 |
| Earnings coverage of net charge-offs (x) | 4.6856% | 2,899 |
| Efficiency ratio | 56.6491% | 4,750 |
| Assets per employee ($millions) | 10.6515% | 255 |
| Cash dividends to net income (ytd only)* | 24.6508% | 2,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8836% | 4,702 |
| Loan loss allowance to noncurrent loans | 1,014.5540% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.8627% | 2,054 |
| Noncurrent loans to loans | 0.0871% | 4,781 |
| Net loans and leases to total assets | 84.2891% | 413 |
| Net loans and leases to deposits | 104.0530% | 494 |
| Net loans and leases to core deposits | 120.7097% | 528 |
| Total domestic deposits to total assets | 81.0060% | 4,181 |
| Equity capital to assets | 10.6492% | 3,175 |
| Core capital (leverage) ratio | 10.6390% | 2,768 |
| Tier 1 risk-based capital ratio | 11.5849% | 4,902 |
| Total risk-based capital ratio | 12.4022% | 5,059 |
| Memoranda: | ||
| Average total assets | $288,861,330 | 2,245 |
| Average earning assets | $276,891,670 | 2,188 |
| Average equity | $27,443,000 | 2,537 |
| Average total loans | $248,411,670 | 1,836 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2201% | 2,211 |
| Cost of funding earning assets | 0.8806% | 317 |
| Net interest margin | 3.3396% | 3,884 |
| Noninterest income to average assets | -0.0221% | 5,828 |
| Noninterest expense to average assets | 1.8833% | 5,257 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8028% | 3,209 |
| Return on assets (ROA) | 0.8028% | 3,268 |
| Pretax return on assets | 1.3016% | 2,230 |
| Return on Equity (ROE) | 8.9898% | 2,430 |
| Retained earnings to average equity (ytd only) | 6.6689% | 1,995 |
| Net charge-offs to loans | 0.2732% | 669 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 5.5088% | 2,288 |
| Efficiency ratio | 59.1323% | 4,575 |
| Assets per employee ($millions) | 10.1294% | 291 |
| Cash dividends to net income (ytd only)* | 25.8176% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9413% | 4,594 |
| Loan loss allowance to noncurrent loans | 336.9253% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 1.0488% | 1,724 |
| Noncurrent loans to loans | 0.2794% | 4,115 |
| Net loans and leases to total assets | 84.0087% | 366 |
| Net loans and leases to deposits | 101.4470% | 521 |
| Net loans and leases to core deposits | 116.2337% | 585 |
| Total domestic deposits to total assets | 82.8104% | 3,915 |
| Equity capital to assets | 8.8806% | 4,928 |
| Core capital (leverage) ratio | 9.0562% | 4,670 |
| Tier 1 risk-based capital ratio | 9.6758% | 5,759 |
| Total risk-based capital ratio | 10.5450% | 5,783 |
| Memoranda: | ||
| Average total assets | $289,496,500 | 2,261 |
| Average earning assets | $278,001,000 | 2,199 |
| Average equity | $25,851,500 | 2,653 |
| Average total loans | $250,333,000 | 1,832 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3742% | 1,902 |
| Cost of funding earning assets | 0.8498% | 392 |
| Net interest margin | 3.5244% | 3,338 |
| Noninterest income to average assets | 0.0455% | 5,782 |
| Noninterest expense to average assets | 1.8878% | 5,376 |
| Loan and lease loss provision to assets | 0.3172% | 584 |
| Net operating income to assets | 0.7589% | 3,498 |
| Return on assets (ROA) | 0.7570% | 3,619 |
| Pretax return on assets | 1.2274% | 2,563 |
| Return on Equity (ROE) | 8.1436% | 2,863 |
| Retained earnings to average equity (ytd only) | 6.0265% | 1,688 |
| Net charge-offs to loans | 0.0077% | 4,002 |
| Credit loss provision to net charge-offs | 4,727.7778% | 96 |
| Earnings coverage of net charge-offs (x) | 230.6667% | 307 |
| Efficiency ratio | 54.9528% | 5,155 |
| Assets per employee ($millions) | 9.8359% | 318 |
| Cash dividends to net income (ytd only)* | 25.9970% | 3,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0002% | 4,326 |
| Loan loss allowance to noncurrent loans | 356.3739% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.5522% | 3,080 |
| Noncurrent loans to loans | 0.2807% | 4,152 |
| Net loans and leases to total assets | 87.3044% | 162 |
| Net loans and leases to deposits | 105.6188% | 360 |
| Net loans and leases to core deposits | 120.6760% | 464 |
| Total domestic deposits to total assets | 82.6599% | 3,873 |
| Equity capital to assets | 8.9805% | 4,839 |
| Core capital (leverage) ratio | 9.0756% | 4,651 |
| Tier 1 risk-based capital ratio | 9.8822% | 5,764 |
| Total risk-based capital ratio | 10.8523% | 5,792 |
| Memoranda: | ||
| Average total assets | $268,296,200 | 2,375 |
| Average earning assets | $258,056,800 | 2,295 |
| Average equity | $24,939,800 | 2,732 |
| Average total loans | $233,940,000 | 1,878 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3651% | 1,960 |
| Cost of funding earning assets | 0.8343% | 418 |
| Net interest margin | 3.5309% | 3,357 |
| Noninterest income to average assets | 0.0485% | 5,841 |
| Noninterest expense to average assets | 1.8864% | 5,401 |
| Loan and lease loss provision to assets | 0.0929% | 2,367 |
| Net operating income to assets | 0.9039% | 2,886 |
| Return on assets (ROA) | 0.9013% | 3,039 |
| Pretax return on assets | 1.4607% | 1,852 |
| Return on Equity (ROE) | 9.6079% | 2,223 |
| Retained earnings to average equity (ytd only) | 7.5732% | 1,368 |
| Net charge-offs to loans | -0.0145% | 4,900 |
| Credit loss provision to net charge-offs | -736.0000% | 5,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7720% | 5,177 |
| Assets per employee ($millions) | 9.9725% | 300 |
| Cash dividends to net income (ytd only)* | 21.1766% | 3,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7660% | 5,285 |
| Loan loss allowance to noncurrent loans | 690.1460% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.3757% | 3,919 |
| Noncurrent loans to loans | 0.1110% | 4,895 |
| Net loans and leases to total assets | 87.7362% | 151 |
| Net loans and leases to deposits | 106.6627% | 355 |
| Net loans and leases to core deposits | 120.6983% | 484 |
| Total domestic deposits to total assets | 82.2558% | 3,854 |
| Equity capital to assets | 9.1502% | 5,025 |
| Core capital (leverage) ratio | 9.3135% | 4,441 |
| Tier 1 risk-based capital ratio | 10.0135% | 5,790 |
| Total risk-based capital ratio | 10.7553% | 5,863 |
| Memoranda: | ||
| Average total assets | $264,060,250 | 2,409 |
| Average earning assets | $253,945,000 | 2,341 |
| Average equity | $24,770,750 | 2,764 |
| Average total loans | $229,539,250 | 1,910 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3413% | 2,013 |
| Cost of funding earning assets | 0.8112% | 461 |
| Net interest margin | 3.5301% | 3,370 |
| Noninterest income to average assets | 0.0448% | 5,924 |
| Noninterest expense to average assets | 1.9065% | 5,440 |
| Loan and lease loss provision to assets | 0.0772% | 2,595 |
| Net operating income to assets | 0.8966% | 2,879 |
| Return on assets (ROA) | 0.8927% | 3,021 |
| Pretax return on assets | 1.4486% | 1,842 |
| Return on Equity (ROE) | 9.4325% | 2,305 |
| Retained earnings to average equity (ytd only) | 7.5721% | 1,351 |
| Net charge-offs to loans | -0.0215% | 4,974 |
| Credit loss provision to net charge-offs | -416.6667% | 4,890 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4458% | 5,201 |
| Assets per employee ($millions) | 9.9876% | 289 |
| Cash dividends to net income (ytd only)* | 19.7232% | 3,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7472% | 5,414 |
| Loan loss allowance to noncurrent loans | 584.4660% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.4020% | 3,885 |
| Noncurrent loans to loans | 0.1278% | 4,925 |
| Net loans and leases to total assets | 88.9592% | 101 |
| Net loans and leases to deposits | 108.6448% | 286 |
| Net loans and leases to core deposits | 121.9473% | 461 |
| Total domestic deposits to total assets | 81.8808% | 4,032 |
| Equity capital to assets | 9.2942% | 4,979 |
| Core capital (leverage) ratio | 9.6714% | 3,970 |
| Tier 1 risk-based capital ratio | 10.1540% | 5,801 |
| Total risk-based capital ratio | 10.8864% | 5,903 |
| Memoranda: | ||
| Average total assets | $259,004,000 | 2,461 |
| Average earning assets | $249,004,670 | 2,390 |
| Average equity | $24,511,000 | 2,789 |
| Average total loans | $223,760,330 | 1,960 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3818% | 1,853 |
| Cost of funding earning assets | 0.8130% | 458 |
| Net interest margin | 3.5688% | 3,210 |
| Noninterest income to average assets | 0.0631% | 5,928 |
| Noninterest expense to average assets | 1.9427% | 5,451 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9557% | 2,485 |
| Return on assets (ROA) | 0.9477% | 2,635 |
| Pretax return on assets | 1.5343% | 1,491 |
| Return on Equity (ROE) | 9.9195% | 2,018 |
| Retained earnings to average equity (ytd only) | 7.4438% | 1,690 |
| Net charge-offs to loans | -0.0447% | 5,272 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6710% | 5,220 |
| Assets per employee ($millions) | 9.0712% | 378 |
| Cash dividends to net income (ytd only)* | 24.9584% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7966% | 5,368 |
| Loan loss allowance to noncurrent loans | 696.3265% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.4429% | 3,816 |
| Noncurrent loans to loans | 0.1144% | 5,017 |
| Net loans and leases to total assets | 83.6468% | 405 |
| Net loans and leases to deposits | 103.3703% | 443 |
| Net loans and leases to core deposits | 115.9061% | 596 |
| Total domestic deposits to total assets | 80.9196% | 4,516 |
| Equity capital to assets | 9.6707% | 4,479 |
| Core capital (leverage) ratio | 9.6334% | 3,989 |
| Tier 1 risk-based capital ratio | 10.9594% | 5,526 |
| Total risk-based capital ratio | 11.7210% | 5,678 |
| Memoranda: | ||
| Average total assets | $253,674,000 | 2,514 |
| Average earning assets | $243,552,000 | 2,436 |
| Average equity | $24,235,000 | 2,815 |
| Average total loans | $214,792,000 | 2,018 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3101% | 2,195 |
| Cost of funding earning assets | 0.7707% | 574 |
| Net interest margin | 3.5395% | 3,377 |
| Noninterest income to average assets | -0.0758% | 6,137 |
| Noninterest expense to average assets | 2.0546% | 5,341 |
| Loan and lease loss provision to assets | 0.3134% | 526 |
| Net operating income to assets | 0.5983% | 4,274 |
| Return on assets (ROA) | 0.5983% | 4,381 |
| Pretax return on assets | 0.9565% | 3,622 |
| Return on Equity (ROE) | 6.2056% | 3,948 |
| Retained earnings to average equity (ytd only) | 6.2056% | 1,699 |
| Net charge-offs to loans | 0.3204% | 932 |
| Credit loss provision to net charge-offs | 119.0252% | 2,163 |
| Earnings coverage of net charge-offs (x) | 4.8223% | 3,484 |
| Efficiency ratio | 61.8010% | 4,640 |
| Assets per employee ($millions) | 9.0484% | 379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7808% | 5,461 |
| Loan loss allowance to noncurrent loans | 654.4747% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.4488% | 3,821 |
| Noncurrent loans to loans | 0.1193% | 5,016 |
| Net loans and leases to total assets | 84.3634% | 357 |
| Net loans and leases to deposits | 106.7686% | 335 |
| Net loans and leases to core deposits | 118.1649% | 536 |
| Total domestic deposits to total assets | 79.0152% | 4,978 |
| Equity capital to assets | 9.4362% | 4,628 |
| Core capital (leverage) ratio | 9.8993% | 3,644 |
| Tier 1 risk-based capital ratio | 10.7364% | 5,650 |
| Total risk-based capital ratio | 11.4861% | 5,809 |
| Memoranda: | ||
| Average total assets | $241,509,600 | 2,566 |
| Average earning assets | $232,011,200 | 2,494 |
| Average equity | $23,285,600 | 2,850 |
| Average total loans | $198,526,400 | 2,086 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3243% | 2,155 |
| Cost of funding earning assets | 0.7675% | 600 |
| Net interest margin | 3.5568% | 3,313 |
| Noninterest income to average assets | -0.1129% | 6,237 |
| Noninterest expense to average assets | 2.0110% | 5,459 |
| Loan and lease loss provision to assets | 0.1062% | 2,097 |
| Net operating income to assets | 0.7383% | 3,732 |
| Return on assets (ROA) | 0.7383% | 3,830 |
| Pretax return on assets | 1.1866% | 2,866 |
| Return on Equity (ROE) | 7.6147% | 3,278 |
| Retained earnings to average equity (ytd only) | 7.6147% | 1,408 |
| Net charge-offs to loans | 0.2855% | 934 |
| Credit loss provision to net charge-offs | 45.6731% | 3,086 |
| Earnings coverage of net charge-offs (x) | 5.5601% | 3,186 |
| Efficiency ratio | 60.8696% | 4,760 |
| Assets per employee ($millions) | 8.9917% | 371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6684% | 5,793 |
| Loan loss allowance to noncurrent loans | 132.5720% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 0.7534% | 3,019 |
| Noncurrent loans to loans | 0.5042% | 3,836 |
| Net loans and leases to total assets | 81.7214% | 608 |
| Net loans and leases to deposits | 101.7196% | 564 |
| Net loans and leases to core deposits | 110.2173% | 865 |
| Total domestic deposits to total assets | 80.3399% | 4,660 |
| Equity capital to assets | 9.8502% | 4,342 |
| Core capital (leverage) ratio | 9.6626% | 4,088 |
| Tier 1 risk-based capital ratio | 11.3732% | 5,445 |
| Total risk-based capital ratio | 12.0130% | 5,706 |
| Memoranda: | ||
| Average total assets | $238,548,250 | 2,601 |
| Average earning assets | $229,150,500 | 2,535 |
| Average equity | $23,130,250 | 2,888 |
| Average total loans | $194,302,750 | 2,143 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3010% | 2,165 |
| Cost of funding earning assets | 0.7491% | 652 |
| Net interest margin | 3.5519% | 3,279 |
| Noninterest income to average assets | -0.1569% | 6,314 |
| Noninterest expense to average assets | 2.0081% | 5,517 |
| Loan and lease loss provision to assets | 0.0734% | 2,639 |
| Net operating income to assets | 0.7287% | 3,747 |
| Return on assets (ROA) | 0.7287% | 3,867 |
| Pretax return on assets | 1.1765% | 2,874 |
| Return on Equity (ROE) | 7.5561% | 3,287 |
| Retained earnings to average equity (ytd only) | 7.5561% | 1,447 |
| Net charge-offs to loans | 0.4333% | 593 |
| Credit loss provision to net charge-offs | 20.8633% | 3,011 |
| Earnings coverage of net charge-offs (x) | 3.5540% | 3,177 |
| Efficiency ratio | 61.6360% | 4,736 |
| Assets per employee ($millions) | 8.8917% | 384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6199% | 5,944 |
| Loan loss allowance to noncurrent loans | 317.2680% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.8222% | 2,916 |
| Noncurrent loans to loans | 0.1954% | 4,993 |
| Net loans and leases to total assets | 79.2679% | 901 |
| Net loans and leases to deposits | 97.6724% | 821 |
| Net loans and leases to core deposits | 107.3055% | 1,006 |
| Total domestic deposits to total assets | 81.1569% | 4,562 |
| Equity capital to assets | 9.3370% | 4,848 |
| Core capital (leverage) ratio | 9.8569% | 3,794 |
| Tier 1 risk-based capital ratio | 10.8427% | 5,785 |
| Total risk-based capital ratio | 11.4162% | 5,982 |
| Memoranda: | ||
| Average total assets | $237,139,000 | 2,637 |
| Average earning assets | $227,992,330 | 2,559 |
| Average equity | $22,869,000 | 2,924 |
| Average total loans | $192,492,000 | 2,160 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2995% | 2,102 |
| Cost of funding earning assets | 0.7483% | 663 |
| Net interest margin | 3.5512% | 3,221 |
| Noninterest income to average assets | -0.0450% | 6,358 |
| Noninterest expense to average assets | 2.0845% | 5,422 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7888% | 3,321 |
| Return on assets (ROA) | 0.7888% | 3,454 |
| Pretax return on assets | 1.2940% | 2,308 |
| Return on Equity (ROE) | 8.0422% | 2,937 |
| Retained earnings to average equity (ytd only) | 8.0422% | 1,556 |
| Net charge-offs to loans | 0.2428% | 982 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 6.5043% | 2,279 |
| Efficiency ratio | 61.6999% | 4,842 |
| Assets per employee ($millions) | 8.5652% | 425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7684% | 5,762 |
| Loan loss allowance to noncurrent loans | 385.6000% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.9249% | 2,785 |
| Noncurrent loans to loans | 0.1993% | 5,065 |
| Net loans and leases to total assets | 80.7482% | 603 |
| Net loans and leases to deposits | 101.1686% | 501 |
| Net loans and leases to core deposits | 112.1583% | 643 |
| Total domestic deposits to total assets | 79.8154% | 5,092 |
| Equity capital to assets | 9.9498% | 4,206 |
| Core capital (leverage) ratio | 9.8892% | 3,763 |
| Tier 1 risk-based capital ratio | 11.7796% | 5,387 |
| Total risk-based capital ratio | 12.5245% | 5,588 |
| Memoranda: | ||
| Average total assets | $231,225,000 | 2,711 |
| Average earning assets | $222,907,500 | 2,617 |
| Average equity | $22,680,500 | 2,959 |
| Average total loans | $189,447,000 | 2,188 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4916% | 1,903 |
| Cost of funding earning assets | 0.7948% | 666 |
| Net interest margin | 3.6969% | 3,020 |
| Noninterest income to average assets | -0.1245% | 6,459 |
| Noninterest expense to average assets | 2.1597% | 5,429 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7658% | 3,536 |
| Return on assets (ROA) | 0.7650% | 3,646 |
| Pretax return on assets | 1.2582% | 2,404 |
| Return on Equity (ROE) | 8.1208% | 3,067 |
| Retained earnings to average equity (ytd only) | 8.1208% | 980 |
| Net charge-offs to loans | 0.2947% | 1,491 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 5.1868% | 3,484 |
| Efficiency ratio | 63.1634% | 4,727 |
| Assets per employee ($millions) | 8.8919% | 356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8185% | 5,730 |
| Loan loss allowance to noncurrent loans | 292.3221% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.9776% | 2,799 |
| Noncurrent loans to loans | 0.2800% | 4,849 |
| Net loans and leases to total assets | 81.8153% | 541 |
| Net loans and leases to deposits | 102.2289% | 503 |
| Net loans and leases to core deposits | 113.7965% | 614 |
| Total domestic deposits to total assets | 80.0315% | 5,009 |
| Equity capital to assets | 9.6678% | 4,514 |
| Core capital (leverage) ratio | 9.8621% | 3,759 |
| Tier 1 risk-based capital ratio | 11.5400% | 5,634 |
| Total risk-based capital ratio | 12.3364% | 5,817 |
| Memoranda: | ||
| Average total assets | $224,843,600 | 2,738 |
| Average earning assets | $215,533,600 | 2,656 |
| Average equity | $21,180,200 | 3,034 |
| Average total loans | $185,285,200 | 2,169 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5087% | 1,840 |
| Cost of funding earning assets | 0.7910% | 719 |
| Net interest margin | 3.7178% | 2,949 |
| Noninterest income to average assets | -0.1003% | 6,527 |
| Noninterest expense to average assets | 2.0615% | 5,657 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8510% | 3,173 |
| Return on assets (ROA) | 0.8498% | 3,272 |
| Pretax return on assets | 1.3957% | 2,027 |
| Return on Equity (ROE) | 9.0834% | 2,639 |
| Retained earnings to average equity (ytd only) | 9.0834% | 967 |
| Net charge-offs to loans | 0.3639% | 1,101 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 4.6613% | 3,403 |
| Efficiency ratio | 59.5994% | 5,241 |
| Assets per employee ($millions) | 8.4321% | 436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8541% | 5,734 |
| Loan loss allowance to noncurrent loans | 219.8630% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 1.1394% | 2,673 |
| Noncurrent loans to loans | 0.3885% | 4,750 |
| Net loans and leases to total assets | 81.8331% | 530 |
| Net loans and leases to deposits | 102.2833% | 489 |
| Net loans and leases to core deposits | 114.0239% | 585 |
| Total domestic deposits to total assets | 80.0063% | 5,098 |
| Equity capital to assets | 9.5846% | 4,686 |
| Core capital (leverage) ratio | 9.8145% | 3,921 |
| Tier 1 risk-based capital ratio | 11.5833% | 5,749 |
| Total risk-based capital ratio | 12.4164% | 5,881 |
| Memoranda: | ||
| Average total assets | $223,257,250 | 2,773 |
| Average earning assets | $213,742,500 | 2,690 |
| Average equity | $20,887,500 | 3,077 |
| Average total loans | $183,929,250 | 2,190 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5090% | 1,800 |
| Cost of funding earning assets | 0.7841% | 773 |
| Net interest margin | 3.7250% | 2,857 |
| Noninterest income to average assets | -0.0866% | 6,601 |
| Noninterest expense to average assets | 2.0885% | 5,648 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8431% | 3,113 |
| Return on assets (ROA) | 0.8413% | 3,217 |
| Pretax return on assets | 1.3824% | 1,958 |
| Return on Equity (ROE) | 9.0687% | 2,558 |
| Retained earnings to average equity (ytd only) | 9.0687% | 966 |
| Net charge-offs to loans | 0.5520% | 736 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 3.0476% | 3,401 |
| Efficiency ratio | 60.1246% | 5,278 |
| Assets per employee ($millions) | 8.2439% | 448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8714% | 5,808 |
| Loan loss allowance to noncurrent loans | 312.4756% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 1.1128% | 2,851 |
| Noncurrent loans to loans | 0.2789% | 5,181 |
| Net loans and leases to total assets | 81.9256% | 472 |
| Net loans and leases to deposits | 100.9377% | 508 |
| Net loans and leases to core deposits | 110.3830% | 682 |
| Total domestic deposits to total assets | 81.1646% | 4,929 |
| Equity capital to assets | 9.5918% | 4,638 |
| Core capital (leverage) ratio | 9.8219% | 3,853 |
| Tier 1 risk-based capital ratio | 11.5214% | 5,784 |
| Total risk-based capital ratio | 12.3679% | 5,935 |
| Memoranda: | ||
| Average total assets | $221,787,330 | 2,795 |
| Average earning assets | $211,975,330 | 2,720 |
| Average equity | $20,576,330 | 3,113 |
| Average total loans | $182,601,670 | 2,198 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5180% | 1,755 |
| Cost of funding earning assets | 0.7773% | 847 |
| Net interest margin | 3.7407% | 2,708 |
| Noninterest income to average assets | -0.0253% | 6,639 |
| Noninterest expense to average assets | 2.0886% | 5,710 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8889% | 2,707 |
| Return on assets (ROA) | 0.8889% | 2,772 |
| Pretax return on assets | 1.4599% | 1,551 |
| Return on Equity (ROE) | 9.7476% | 2,134 |
| Retained earnings to average equity (ytd only) | 9.7476% | 1,033 |
| Net charge-offs to loans | 0.2243% | 1,426 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 7.9216% | 2,073 |
| Efficiency ratio | 58.8595% | 5,558 |
| Assets per employee ($millions) | 8.2449% | 429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0982% | 5,128 |
| Loan loss allowance to noncurrent loans | 134.3834% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 1.6526% | 2,136 |
| Noncurrent loans to loans | 0.8172% | 3,834 |
| Net loans and leases to total assets | 81.1112% | 448 |
| Net loans and leases to deposits | 99.4542% | 468 |
| Net loans and leases to core deposits | 107.7589% | 685 |
| Total domestic deposits to total assets | 81.5563% | 5,072 |
| Equity capital to assets | 9.2596% | 4,799 |
| Core capital (leverage) ratio | 9.6847% | 4,018 |
| Tier 1 risk-based capital ratio | 11.4685% | 5,929 |
| Total risk-based capital ratio | 12.5448% | 5,969 |
| Memoranda: | ||
| Average total assets | $221,388,000 | 2,816 |
| Average earning assets | $211,510,000 | 2,733 |
| Average equity | $20,189,500 | 3,157 |
| Average total loans | $181,923,500 | 2,213 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5595% | 2,003 |
| Cost of funding earning assets | 0.8100% | 1,162 |
| Net interest margin | 3.7494% | 2,850 |
| Noninterest income to average assets | -0.0640% | 6,707 |
| Noninterest expense to average assets | 2.1487% | 5,732 |
| Loan and lease loss provision to assets | 0.0693% | 3,748 |
| Net operating income to assets | 0.8811% | 2,871 |
| Return on assets (ROA) | 0.8811% | 2,960 |
| Pretax return on assets | 1.2904% | 2,199 |
| Return on Equity (ROE) | 9.3387% | 2,398 |
| Retained earnings to average equity (ytd only) | 9.3387% | 697 |
| Net charge-offs to loans | 0.1963% | 2,893 |
| Credit loss provision to net charge-offs | 43.8066% | 3,962 |
| Earnings coverage of net charge-offs (x) | 8.6012% | 2,639 |
| Efficiency ratio | 61.2442% | 5,324 |
| Assets per employee ($millions) | 8.1542% | 438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1623% | 4,851 |
| Loan loss allowance to noncurrent loans | 200.4757% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 1.4921% | 2,490 |
| Noncurrent loans to loans | 0.5798% | 4,535 |
| Net loans and leases to total assets | 81.3811% | 459 |
| Net loans and leases to deposits | 99.9269% | 487 |
| Net loans and leases to core deposits | 108.8768% | 656 |
| Total domestic deposits to total assets | 81.4406% | 5,056 |
| Equity capital to assets | 8.9779% | 5,058 |
| Core capital (leverage) ratio | 9.6762% | 4,018 |
| Tier 1 risk-based capital ratio | 11.2444% | 6,052 |
| Total risk-based capital ratio | 12.3801% | 6,060 |
| Memoranda: | ||
| Average total assets | $209,386,000 | 2,920 |
| Average earning assets | $199,496,600 | 2,830 |
| Average equity | $19,756,400 | 3,180 |
| Average total loans | $168,618,800 | 2,319 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5847% | 1,954 |
| Cost of funding earning assets | 0.8122% | 1,264 |
| Net interest margin | 3.7725% | 2,740 |
| Noninterest income to average assets | -0.0974% | 6,810 |
| Noninterest expense to average assets | 2.0262% | 5,964 |
| Loan and lease loss provision to assets | 0.0935% | 3,207 |
| Net operating income to assets | 0.9618% | 2,534 |
| Return on assets (ROA) | 0.9618% | 2,636 |
| Pretax return on assets | 1.3753% | 2,014 |
| Return on Equity (ROE) | 10.0635% | 2,154 |
| Retained earnings to average equity (ytd only) | 8.8216% | 1,111 |
| Net charge-offs to loans | -0.0032% | 5,728 |
| Credit loss provision to net charge-offs | -3,625.0000% | 6,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9734% | 5,690 |
| Assets per employee ($millions) | 7.9163% | 478 |
| Cash dividends to net income (ytd only)* | 12.3409% | 3,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4245% | 3,787 |
| Loan loss allowance to noncurrent loans | 121.5530% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 1.9585% | 2,071 |
| Noncurrent loans to loans | 1.1719% | 3,476 |
| Net loans and leases to total assets | 79.0604% | 642 |
| Net loans and leases to deposits | 97.7193% | 587 |
| Net loans and leases to core deposits | 106.4373% | 734 |
| Total domestic deposits to total assets | 80.9057% | 5,238 |
| Equity capital to assets | 9.3043% | 4,802 |
| Core capital (leverage) ratio | 9.9035% | 3,805 |
| Tier 1 risk-based capital ratio | 11.6906% | 5,952 |
| Total risk-based capital ratio | 12.9422% | 5,913 |
| Memoranda: | ||
| Average total assets | $206,691,750 | 2,970 |
| Average earning assets | $196,823,000 | 2,886 |
| Average equity | $19,754,000 | 3,215 |
| Average total loans | $165,454,000 | 2,364 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6153% | 1,801 |
| Cost of funding earning assets | 0.8181% | 1,320 |
| Net interest margin | 3.7972% | 2,568 |
| Noninterest income to average assets | -0.1752% | 6,865 |
| Noninterest expense to average assets | 2.0407% | 5,969 |
| Loan and lease loss provision to assets | 0.1419% | 2,560 |
| Net operating income to assets | 0.9543% | 2,544 |
| Return on assets (ROA) | 0.9543% | 2,694 |
| Pretax return on assets | 1.2538% | 2,471 |
| Return on Equity (ROE) | 9.8936% | 2,242 |
| Retained earnings to average equity (ytd only) | 9.2239% | 1,053 |
| Net charge-offs to loans | -0.0024% | 5,547 |
| Credit loss provision to net charge-offs | -7,250.0000% | 6,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3848% | 5,560 |
| Assets per employee ($millions) | 8.0198% | 458 |
| Cash dividends to net income (ytd only)* | 6.7692% | 3,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4781% | 3,678 |
| Loan loss allowance to noncurrent loans | 156.4103% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 1.7922% | 2,427 |
| Noncurrent loans to loans | 0.9450% | 4,036 |
| Net loans and leases to total assets | 77.9958% | 746 |
| Net loans and leases to deposits | 96.7207% | 623 |
| Net loans and leases to core deposits | 105.1871% | 782 |
| Total domestic deposits to total assets | 80.6402% | 5,439 |
| Equity capital to assets | 9.4339% | 4,670 |
| Core capital (leverage) ratio | 9.7962% | 3,796 |
| Tier 1 risk-based capital ratio | 11.7643% | 5,945 |
| Total risk-based capital ratio | 13.0161% | 5,897 |
| Memoranda: | ||
| Average total assets | $204,342,670 | 3,014 |
| Average earning assets | $194,355,000 | 2,936 |
| Average equity | $19,709,670 | 3,233 |
| Average total loans | $163,463,670 | 2,394 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6401% | 1,711 |
| Cost of funding earning assets | 0.8264% | 1,386 |
| Net interest margin | 3.8137% | 2,395 |
| Noninterest income to average assets | -0.2630% | 6,965 |
| Noninterest expense to average assets | 2.0647% | 5,974 |
| Loan and lease loss provision to assets | 0.2868% | 1,225 |
| Net operating income to assets | 1.0086% | 2,187 |
| Return on assets (ROA) | 1.0086% | 2,302 |
| Pretax return on assets | 1.0086% | 3,306 |
| Return on Equity (ROE) | 10.3401% | 1,937 |
| Retained earnings to average equity (ytd only) | 10.3401% | 1,022 |
| Net charge-offs to loans | -0.0025% | 5,168 |
| Credit loss provision to net charge-offs | -14,500.0000% | 5,951 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4479% | 5,383 |
| Assets per employee ($millions) | 7.5377% | 600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5141% | 3,762 |
| Loan loss allowance to noncurrent loans | 159.3076% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 1.8608% | 2,529 |
| Noncurrent loans to loans | 0.9504% | 4,238 |
| Net loans and leases to total assets | 77.9504% | 613 |
| Net loans and leases to deposits | 97.1762% | 479 |
| Net loans and leases to core deposits | 104.2175% | 711 |
| Total domestic deposits to total assets | 80.2155% | 5,708 |
| Equity capital to assets | 9.8095% | 4,404 |
| Core capital (leverage) ratio | 9.8221% | 3,637 |
| Tier 1 risk-based capital ratio | 11.7873% | 6,035 |
| Total risk-based capital ratio | 13.0394% | 6,014 |
| Memoranda: | ||
| Average total assets | $202,256,500 | 3,073 |
| Average earning assets | $192,149,000 | 2,985 |
| Average equity | $19,729,000 | 3,276 |
| Average total loans | $162,659,000 | 2,413 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7960% | 2,215 |
| Cost of funding earning assets | 1.0144% | 1,277 |
| Net interest margin | 3.7816% | 3,311 |
| Noninterest income to average assets | -0.2198% | 6,971 |
| Noninterest expense to average assets | 2.2275% | 5,861 |
| Loan and lease loss provision to assets | 0.4252% | 1,496 |
| Net operating income to assets | 0.6860% | 3,804 |
| Return on assets (ROA) | 0.7923% | 3,569 |
| Pretax return on assets | 0.7923% | 4,325 |
| Return on Equity (ROE) | 6.6203% | 3,851 |
| Retained earnings to average equity (ytd only) | -19.0376% | 6,832 |
| Net charge-offs to loans | 0.8030% | 1,453 |
| Credit loss provision to net charge-offs | 67.4897% | 4,234 |
| Earnings coverage of net charge-offs (x) | 1.7638% | 4,553 |
| Efficiency ratio | 66.7184% | 4,373 |
| Assets per employee ($millions) | 7.4443% | 640 |
| Cash dividends to net income (ytd only)* | 387.5654% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3962% | 4,190 |
| Loan loss allowance to noncurrent loans | 148.9929% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 2.5060% | 1,944 |
| Noncurrent loans to loans | 0.9371% | 4,312 |
| Net loans and leases to total assets | 80.5707% | 416 |
| Net loans and leases to deposits | 100.5083% | 393 |
| Net loans and leases to core deposits | 107.3494% | 635 |
| Total domestic deposits to total assets | 80.1632% | 5,616 |
| Equity capital to assets | 9.6987% | 4,591 |
| Core capital (leverage) ratio | 9.5298% | 4,065 |
| Tier 1 risk-based capital ratio | 11.5481% | 6,062 |
| Total risk-based capital ratio | 12.7992% | 6,029 |
| Memoranda: | ||
| Average total assets | $192,864,800 | 3,139 |
| Average earning assets | $181,483,000 | 3,064 |
| Average equity | $23,080,600 | 2,844 |
| Average total loans | $151,298,800 | 2,555 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7718% | 2,500 |
| Cost of funding earning assets | 1.0526% | 1,267 |
| Net interest margin | 3.7193% | 3,709 |
| Noninterest income to average assets | -0.2501% | 7,085 |
| Noninterest expense to average assets | 2.1128% | 6,137 |
| Loan and lease loss provision to assets | 0.5729% | 1,002 |
| Net operating income to assets | 0.5575% | 4,583 |
| Return on assets (ROA) | 0.6302% | 4,494 |
| Pretax return on assets | 0.6302% | 5,076 |
| Return on Equity (ROE) | 5.0158% | 4,810 |
| Retained earnings to average equity (ytd only) | 1.7405% | 5,460 |
| Net charge-offs to loans | 1.0950% | 932 |
| Credit loss provision to net charge-offs | 67.4342% | 3,968 |
| Earnings coverage of net charge-offs (x) | 1.3306% | 4,632 |
| Efficiency ratio | 65.1443% | 4,602 |
| Assets per employee ($millions) | 8.0966% | 463 |
| Cash dividends to net income (ytd only)* | 65.2988% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4393% | 4,196 |
| Loan loss allowance to noncurrent loans | 150.0982% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 2.5329% | 2,085 |
| Noncurrent loans to loans | 0.9589% | 4,515 |
| Net loans and leases to total assets | 77.5386% | 783 |
| Net loans and leases to deposits | 99.4941% | 468 |
| Net loans and leases to core deposits | 108.5574% | 628 |
| Total domestic deposits to total assets | 77.9329% | 6,094 |
| Equity capital to assets | 12.0130% | 2,244 |
| Core capital (leverage) ratio | 12.0874% | 1,601 |
| Tier 1 risk-based capital ratio | 14.7933% | 3,990 |
| Total risk-based capital ratio | 16.0453% | 3,941 |
| Memoranda: | ||
| Average total assets | $190,832,250 | 3,198 |
| Average earning assets | $179,241,250 | 3,135 |
| Average equity | $23,977,250 | 2,779 |
| Average total loans | $148,064,500 | 2,632 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7664% | 2,655 |
| Cost of funding earning assets | 1.1171% | 1,140 |
| Net interest margin | 3.6493% | 4,045 |
| Noninterest income to average assets | -0.3380% | 7,164 |
| Noninterest expense to average assets | 2.1864% | 6,046 |
| Loan and lease loss provision to assets | 0.6525% | 866 |
| Net operating income to assets | 0.2439% | 5,784 |
| Return on assets (ROA) | 0.2439% | 5,971 |
| Pretax return on assets | 0.2439% | 6,069 |
| Return on Equity (ROE) | 1.9108% | 6,069 |
| Retained earnings to average equity (ytd only) | -1.4499% | 6,282 |
| Net charge-offs to loans | 1.6475% | 564 |
| Credit loss provision to net charge-offs | 51.3036% | 4,005 |
| Earnings coverage of net charge-offs (x) | 0.7048% | 4,700 |
| Efficiency ratio | 70.9230% | 3,613 |
| Assets per employee ($millions) | 7.6135% | 555 |
| Cash dividends to net income (ytd only)* | 175.8772% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4080% | 4,434 |
| Loan loss allowance to noncurrent loans | 103.3824% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 3.0684% | 1,787 |
| Noncurrent loans to loans | 1.3619% | 3,882 |
| Net loans and leases to total assets | 74.6050% | 1,158 |
| Net loans and leases to deposits | 96.0102% | 635 |
| Net loans and leases to core deposits | 104.5899% | 820 |
| Total domestic deposits to total assets | 77.7052% | 6,215 |
| Equity capital to assets | 12.0357% | 2,125 |
| Core capital (leverage) ratio | 12.3279% | 1,431 |
| Tier 1 risk-based capital ratio | 15.1467% | 3,668 |
| Total risk-based capital ratio | 16.3981% | 3,635 |
| Memoranda: | ||
| Average total assets | $186,971,670 | 3,251 |
| Average earning assets | $175,268,330 | 3,201 |
| Average equity | $23,864,330 | 2,782 |
| Average total loans | $144,339,000 | 2,700 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8280% | 2,530 |
| Cost of funding earning assets | 1.1899% | 1,029 |
| Net interest margin | 3.6381% | 4,092 |
| Noninterest income to average assets | -0.4342% | 7,240 |
| Noninterest expense to average assets | 2.1909% | 6,062 |
| Loan and lease loss provision to assets | 0.6877% | 771 |
| Net operating income to assets | 0.0904% | 6,253 |
| Return on assets (ROA) | 0.0904% | 6,379 |
| Pretax return on assets | 0.0904% | 6,396 |
| Return on Equity (ROE) | 0.6867% | 6,408 |
| Retained earnings to average equity (ytd only) | -2.8806% | 6,378 |
| Net charge-offs to loans | 0.7711% | 1,332 |
| Credit loss provision to net charge-offs | 114.2857% | 2,067 |
| Earnings coverage of net charge-offs (x) | 1.2930% | 3,684 |
| Efficiency ratio | 73.7936% | 3,127 |
| Assets per employee ($millions) | 6.7427% | 862 |
| Cash dividends to net income (ytd only)* | 519.5122% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9101% | 2,650 |
| Loan loss allowance to noncurrent loans | 71.4061% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 4.1883% | 1,299 |
| Noncurrent loans to loans | 2.6750% | 2,435 |
| Net loans and leases to total assets | 76.9206% | 705 |
| Net loans and leases to deposits | 101.4636% | 326 |
| Net loans and leases to core deposits | 112.2154% | 465 |
| Total domestic deposits to total assets | 75.8110% | 6,568 |
| Equity capital to assets | 13.0478% | 1,418 |
| Core capital (leverage) ratio | 13.0707% | 1,102 |
| Tier 1 risk-based capital ratio | 15.9959% | 3,181 |
| Total risk-based capital ratio | 17.2534% | 3,143 |
| Memoranda: | ||
| Average total assets | $181,481,500 | 3,354 |
| Average earning assets | $169,760,500 | 3,292 |
| Average equity | $23,884,000 | 2,776 |
| Average total loans | $141,613,000 | 2,762 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9345% | 3,184 |
| Cost of funding earning assets | 1.4848% | 758 |
| Net interest margin | 3.4497% | 5,334 |
| Noninterest income to average assets | -0.0195% | 7,029 |
| Noninterest expense to average assets | 2.2407% | 6,184 |
| Loan and lease loss provision to assets | 0.6215% | 1,654 |
| Net operating income to assets | 0.3734% | 4,977 |
| Return on assets (ROA) | 0.5592% | 4,378 |
| Pretax return on assets | 0.5592% | 4,809 |
| Return on Equity (ROE) | 4.2420% | 4,745 |
| Retained earnings to average equity (ytd only) | 1.8276% | 4,913 |
| Net charge-offs to loans | 1.0348% | 1,680 |
| Credit loss provision to net charge-offs | 77.8940% | 4,556 |
| Earnings coverage of net charge-offs (x) | 1.2469% | 4,845 |
| Efficiency ratio | 69.2519% | 4,100 |
| Assets per employee ($millions) | 7.5379% | 564 |
| Cash dividends to net income (ytd only)* | 56.9154% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9137% | 2,525 |
| Loan loss allowance to noncurrent loans | 55.8140% | 4,725 |
| Noncurrent assets plus other real estate owned to assets | 4.7350% | 1,151 |
| Noncurrent loans to loans | 3.4287% | 1,881 |
| Net loans and leases to total assets | 76.1565% | 928 |
| Net loans and leases to deposits | 101.0133% | 414 |
| Net loans and leases to core deposits | 112.5448% | 552 |
| Total domestic deposits to total assets | 75.3926% | 6,550 |
| Equity capital to assets | 13.2741% | 1,371 |
| Core capital (leverage) ratio | 12.8793% | 1,188 |
| Tier 1 risk-based capital ratio | 16.2346% | 2,935 |
| Total risk-based capital ratio | 17.4916% | 2,904 |
| Memoranda: | ||
| Average total assets | $179,716,800 | 3,341 |
| Average earning assets | $169,580,000 | 3,256 |
| Average equity | $23,691,800 | 2,705 |
| Average total loans | $138,573,000 | 2,818 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9358% | 3,400 |
| Cost of funding earning assets | 1.5076% | 835 |
| Net interest margin | 3.4281% | 5,472 |
| Noninterest income to average assets | -0.0542% | 7,169 |
| Noninterest expense to average assets | 2.1617% | 6,367 |
| Loan and lease loss provision to assets | 0.6235% | 1,574 |
| Net operating income to assets | 0.3998% | 5,007 |
| Return on assets (ROA) | 0.5551% | 4,472 |
| Pretax return on assets | 0.5551% | 4,951 |
| Return on Equity (ROE) | 4.2182% | 4,908 |
| Retained earnings to average equity (ytd only) | 2.1627% | 5,045 |
| Net charge-offs to loans | 0.6266% | 2,373 |
| Credit loss provision to net charge-offs | 129.2758% | 2,460 |
| Earnings coverage of net charge-offs (x) | 2.1217% | 4,079 |
| Efficiency ratio | 67.8721% | 4,348 |
| Assets per employee ($millions) | 7.6550% | 546 |
| Cash dividends to net income (ytd only)* | 48.7279% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3260% | 1,647 |
| Loan loss allowance to noncurrent loans | 52.6967% | 4,844 |
| Noncurrent assets plus other real estate owned to assets | 4.8171% | 1,210 |
| Noncurrent loans to loans | 4.4139% | 1,470 |
| Net loans and leases to total assets | 73.0270% | 1,498 |
| Net loans and leases to deposits | 96.3670% | 681 |
| Net loans and leases to core deposits | 110.6104% | 649 |
| Total domestic deposits to total assets | 75.7801% | 6,554 |
| Equity capital to assets | 13.0851% | 1,575 |
| Core capital (leverage) ratio | 13.0415% | 1,217 |
| Tier 1 risk-based capital ratio | 16.4429% | 2,890 |
| Total risk-based capital ratio | 17.7045% | 2,849 |
| Memoranda: | ||
| Average total assets | $179,418,750 | 3,356 |
| Average earning assets | $169,533,500 | 3,259 |
| Average equity | $23,611,250 | 2,713 |
| Average total loans | $138,100,750 | 2,853 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9857% | 3,229 |
| Cost of funding earning assets | 1.5546% | 828 |
| Net interest margin | 3.4312% | 5,440 |
| Noninterest income to average assets | -0.0910% | 7,282 |
| Noninterest expense to average assets | 2.1170% | 6,559 |
| Loan and lease loss provision to assets | 0.7237% | 1,292 |
| Net operating income to assets | 0.3124% | 5,323 |
| Return on assets (ROA) | 0.5472% | 4,453 |
| Pretax return on assets | 0.5472% | 4,913 |
| Return on Equity (ROE) | 4.1503% | 4,857 |
| Retained earnings to average equity (ytd only) | 2.4458% | 4,728 |
| Net charge-offs to loans | 0.5768% | 2,379 |
| Credit loss provision to net charge-offs | 161.4035% | 1,877 |
| Earnings coverage of net charge-offs (x) | 2.3108% | 3,674 |
| Efficiency ratio | 67.1418% | 4,674 |
| Assets per employee ($millions) | 7.1661% | 673 |
| Cash dividends to net income (ytd only)* | 41.0678% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3471% | 1,667 |
| Loan loss allowance to noncurrent loans | 47.6260% | 5,153 |
| Noncurrent assets plus other real estate owned to assets | 4.9450% | 1,237 |
| Noncurrent loans to loans | 4.9283% | 1,334 |
| Net loans and leases to total assets | 75.4761% | 1,160 |
| Net loans and leases to deposits | 100.1333% | 488 |
| Net loans and leases to core deposits | 113.2452% | 603 |
| Total domestic deposits to total assets | 75.3757% | 6,687 |
| Equity capital to assets | 13.2541% | 1,406 |
| Core capital (leverage) ratio | 13.0850% | 1,115 |
| Tier 1 risk-based capital ratio | 15.7930% | 3,082 |
| Total risk-based capital ratio | 17.0541% | 3,058 |
| Memoranda: | ||
| Average total assets | $177,984,670 | 3,398 |
| Average earning assets | $168,280,000 | 3,306 |
| Average equity | $23,468,330 | 2,704 |
| Average total loans | $138,347,330 | 2,880 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9832% | 3,177 |
| Cost of funding earning assets | 1.5832% | 866 |
| Net interest margin | 3.4000% | 5,430 |
| Noninterest income to average assets | -0.1939% | 7,430 |
| Noninterest expense to average assets | 2.2706% | 6,257 |
| Loan and lease loss provision to assets | 0.6449% | 1,334 |
| Net operating income to assets | 0.1060% | 6,081 |
| Return on assets (ROA) | 0.1060% | 6,134 |
| Pretax return on assets | 0.1060% | 6,156 |
| Return on Equity (ROE) | 0.8058% | 6,191 |
| Retained earnings to average equity (ytd only) | -0.3601% | 5,857 |
| Net charge-offs to loans | 0.4050% | 2,477 |
| Credit loss provision to net charge-offs | 204.2857% | 1,451 |
| Earnings coverage of net charge-offs (x) | 2.3786% | 3,131 |
| Efficiency ratio | 75.1493% | 3,314 |
| Assets per employee ($millions) | 7.2042% | 665 |
| Cash dividends to net income (ytd only)* | 144.6809% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2749% | 1,803 |
| Loan loss allowance to noncurrent loans | 48.4844% | 5,092 |
| Noncurrent assets plus other real estate owned to assets | 4.4397% | 1,467 |
| Noncurrent loans to loans | 4.6919% | 1,480 |
| Net loans and leases to total assets | 75.1582% | 1,150 |
| Net loans and leases to deposits | 99.1881% | 516 |
| Net loans and leases to core deposits | 115.2477% | 553 |
| Total domestic deposits to total assets | 75.7734% | 6,701 |
| Equity capital to assets | 12.9503% | 1,403 |
| Core capital (leverage) ratio | 13.1640% | 1,074 |
| Tier 1 risk-based capital ratio | 16.1257% | 2,849 |
| Total risk-based capital ratio | 17.3871% | 2,810 |
| Memoranda: | ||
| Average total assets | $177,401,000 | 3,425 |
| Average earning assets | $167,762,500 | 3,335 |
| Average equity | $23,330,000 | 2,708 |
| Average total loans | $138,287,500 | 2,923 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2459% | 3,384 |
| Cost of funding earning assets | 1.9205% | 785 |
| Net interest margin | 3.3254% | 5,891 |
| Noninterest income to average assets | -0.3065% | 7,510 |
| Noninterest expense to average assets | 2.1734% | 6,687 |
| Loan and lease loss provision to assets | 0.3573% | 3,978 |
| Net operating income to assets | 0.2761% | 5,017 |
| Return on assets (ROA) | 0.2761% | 5,181 |
| Pretax return on assets | 0.2761% | 5,297 |
| Return on Equity (ROE) | 2.1534% | 5,327 |
| Retained earnings to average equity (ytd only) | 2.1534% | 4,384 |
| Net charge-offs to loans | 0.4817% | 3,698 |
| Credit loss provision to net charge-offs | 97.5867% | 4,752 |
| Earnings coverage of net charge-offs (x) | 1.7300% | 4,419 |
| Efficiency ratio | 77.4346% | 2,803 |
| Assets per employee ($millions) | 6.9879% | 741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1758% | 1,917 |
| Loan loss allowance to noncurrent loans | 59.2388% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 3.8197% | 1,791 |
| Noncurrent loans to loans | 3.6730% | 2,027 |
| Net loans and leases to total assets | 77.3088% | 1,048 |
| Net loans and leases to deposits | 103.1655% | 439 |
| Net loans and leases to core deposits | 119.5999% | 537 |
| Total domestic deposits to total assets | 74.9367% | 6,778 |
| Equity capital to assets | 13.3579% | 1,236 |
| Core capital (leverage) ratio | 13.3547% | 1,012 |
| Tier 1 risk-based capital ratio | 16.1580% | 2,669 |
| Total risk-based capital ratio | 17.4183% | 2,627 |
| Memoranda: | ||
| Average total assets | $181,099,800 | 3,360 |
| Average earning assets | $169,542,000 | 3,290 |
| Average equity | $23,219,000 | 2,734 |
| Average total loans | $137,649,600 | 2,994 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2861% | 3,420 |
| Cost of funding earning assets | 1.9742% | 813 |
| Net interest margin | 3.3119% | 5,975 |
| Noninterest income to average assets | -0.4101% | 7,658 |
| Noninterest expense to average assets | 2.1506% | 6,738 |
| Loan and lease loss provision to assets | 0.3145% | 4,061 |
| Net operating income to assets | 0.2197% | 5,449 |
| Return on assets (ROA) | 0.2197% | 5,613 |
| Pretax return on assets | 0.2197% | 5,683 |
| Return on Equity (ROE) | 1.7306% | 5,695 |
| Retained earnings to average equity (ytd only) | 1.7306% | 5,097 |
| Net charge-offs to loans | 0.2152% | 4,649 |
| Credit loss provision to net charge-offs | 194.1441% | 1,839 |
| Earnings coverage of net charge-offs (x) | 3.2973% | 3,499 |
| Efficiency ratio | 80.1033% | 2,321 |
| Assets per employee ($millions) | 7.0943% | 739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3869% | 1,490 |
| Loan loss allowance to noncurrent loans | 86.5024% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 2.9235% | 2,485 |
| Noncurrent loans to loans | 2.7594% | 2,879 |
| Net loans and leases to total assets | 74.4769% | 1,695 |
| Net loans and leases to deposits | 98.9942% | 723 |
| Net loans and leases to core deposits | 113.3859% | 867 |
| Total domestic deposits to total assets | 75.2336% | 6,777 |
| Equity capital to assets | 13.2467% | 1,475 |
| Core capital (leverage) ratio | 12.6882% | 1,340 |
| Tier 1 risk-based capital ratio | 16.3100% | 2,632 |
| Total risk-based capital ratio | 17.5727% | 2,583 |
| Memoranda: | ||
| Average total assets | $182,700,250 | 3,387 |
| Average earning assets | $170,731,500 | 3,309 |
| Average equity | $23,189,750 | 2,779 |
| Average total loans | $137,546,750 | 3,029 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3138% | 3,399 |
| Cost of funding earning assets | 2.0090% | 888 |
| Net interest margin | 3.3048% | 6,000 |
| Noninterest income to average assets | -0.3448% | 7,722 |
| Noninterest expense to average assets | 2.1596% | 6,747 |
| Loan and lease loss provision to assets | 0.2862% | 4,105 |
| Net operating income to assets | 0.2840% | 5,247 |
| Return on assets (ROA) | 0.2840% | 5,396 |
| Pretax return on assets | 0.2840% | 5,547 |
| Return on Equity (ROE) | 2.2695% | 5,551 |
| Retained earnings to average equity (ytd only) | 2.2695% | 4,710 |
| Net charge-offs to loans | 0.3254% | 3,697 |
| Credit loss provision to net charge-offs | 117.3333% | 3,465 |
| Earnings coverage of net charge-offs (x) | 2.3378% | 3,828 |
| Efficiency ratio | 79.1104% | 2,559 |
| Assets per employee ($millions) | 7.0447% | 755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2531% | 1,664 |
| Loan loss allowance to noncurrent loans | 114.8649% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 3.5007% | 2,003 |
| Noncurrent loans to loans | 1.9616% | 3,773 |
| Net loans and leases to total assets | 72.4764% | 2,283 |
| Net loans and leases to deposits | 95.3000% | 1,113 |
| Net loans and leases to core deposits | 114.5710% | 895 |
| Total domestic deposits to total assets | 76.0508% | 6,682 |
| Equity capital to assets | 12.7886% | 1,654 |
| Core capital (leverage) ratio | 12.6021% | 1,365 |
| Tier 1 risk-based capital ratio | 16.0000% | 2,670 |
| Total risk-based capital ratio | 17.2606% | 2,626 |
| Memoranda: | ||
| Average total assets | $184,481,330 | 3,379 |
| Average earning assets | $171,629,000 | 3,315 |
| Average equity | $23,088,330 | 2,791 |
| Average total loans | $138,289,000 | 3,047 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3166% | 3,464 |
| Cost of funding earning assets | 2.0708% | 887 |
| Net interest margin | 3.2458% | 6,142 |
| Noninterest income to average assets | -0.1296% | 7,768 |
| Noninterest expense to average assets | 2.1389% | 6,841 |
| Loan and lease loss provision to assets | 0.5704% | 2,214 |
| Net operating income to assets | 0.1750% | 5,774 |
| Return on assets (ROA) | 0.1750% | 5,898 |
| Pretax return on assets | 0.1750% | 5,955 |
| Return on Equity (ROE) | 1.4136% | 5,991 |
| Retained earnings to average equity (ytd only) | 1.4136% | 5,237 |
| Net charge-offs to loans | 0.4816% | 2,616 |
| Credit loss provision to net charge-offs | 157.1429% | 2,280 |
| Earnings coverage of net charge-offs (x) | 2.0536% | 3,514 |
| Efficiency ratio | 74.1573% | 3,554 |
| Assets per employee ($millions) | 7.4061% | 680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2673% | 1,631 |
| Loan loss allowance to noncurrent loans | 85.6789% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 3.9054% | 1,766 |
| Noncurrent loans to loans | 2.6462% | 3,028 |
| Net loans and leases to total assets | 72.5679% | 2,309 |
| Net loans and leases to deposits | 94.8214% | 1,253 |
| Net loans and leases to core deposits | 119.2444% | 815 |
| Total domestic deposits to total assets | 76.5312% | 6,656 |
| Equity capital to assets | 12.4309% | 1,790 |
| Core capital (leverage) ratio | 12.1135% | 1,591 |
| Tier 1 risk-based capital ratio | 15.5454% | 2,851 |
| Total risk-based capital ratio | 16.8061% | 2,789 |
| Memoranda: | ||
| Average total assets | $185,140,500 | 3,430 |
| Average earning assets | $171,914,000 | 3,372 |
| Average equity | $22,920,500 | 2,827 |
| Average total loans | $139,528,500 | 3,088 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2878% | 5,244 |
| Cost of funding earning assets | 2.5310% | 943 |
| Net interest margin | 2.7568% | 7,132 |
| Noninterest income to average assets | -0.0246% | 7,738 |
| Noninterest expense to average assets | 2.0239% | 7,335 |
| Loan and lease loss provision to assets | 2.2243% | 931 |
| Net operating income to assets | -1.8373% | 7,024 |
| Return on assets (ROA) | -1.8373% | 7,020 |
| Pretax return on assets | -1.6886% | 6,808 |
| Return on Equity (ROE) | -15.6326% | 6,968 |
| Retained earnings to average equity (ytd only) | -15.6326% | 6,917 |
| Net charge-offs to loans | 3.0348% | 691 |
| Credit loss provision to net charge-offs | 95.8471% | 5,782 |
| Earnings coverage of net charge-offs (x) | 0.2308% | 5,899 |
| Efficiency ratio | 79.0707% | 3,029 |
| Assets per employee ($millions) | 6.8566% | 846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1331% | 1,765 |
| Loan loss allowance to noncurrent loans | 73.2654% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 4.9727% | 1,239 |
| Noncurrent loans to loans | 2.9114% | 2,648 |
| Net loans and leases to total assets | 74.8446% | 2,068 |
| Net loans and leases to deposits | 97.7668% | 1,127 |
| Net loans and leases to core deposits | 144.7530% | 650 |
| Total domestic deposits to total assets | 76.5542% | 6,577 |
| Equity capital to assets | 12.3292% | 1,834 |
| Core capital (leverage) ratio | 11.9018% | 1,706 |
| Tier 1 risk-based capital ratio | 14.3646% | 3,282 |
| Total risk-based capital ratio | 15.6226% | 3,229 |
| Memoranda: | ||
| Average total assets | $195,070,000 | 3,236 |
| Average earning assets | $182,854,800 | 3,184 |
| Average equity | $22,926,400 | 2,835 |
| Average total loans | $149,169,400 | 2,924 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2358% | 5,738 |
| Cost of funding earning assets | 2.6208% | 981 |
| Net interest margin | 2.6150% | 7,337 |
| Noninterest income to average assets | 0.0020% | 7,827 |
| Noninterest expense to average assets | 1.7649% | 7,696 |
| Loan and lease loss provision to assets | 2.6213% | 618 |
| Net operating income to assets | -1.2141% | 6,964 |
| Return on assets (ROA) | -1.2141% | 6,975 |
| Pretax return on assets | -1.9241% | 7,141 |
| Return on Equity (ROE) | -10.4507% | 6,924 |
| Retained earnings to average equity (ytd only) | -10.4507% | 6,844 |
| Net charge-offs to loans | 3.3521% | 461 |
| Credit loss provision to net charge-offs | 102.2643% | 4,977 |
| Earnings coverage of net charge-offs (x) | 0.2720% | 5,736 |
| Efficiency ratio | 71.6831% | 4,302 |
| Assets per employee ($millions) | 7.4605% | 640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2393% | 1,366 |
| Loan loss allowance to noncurrent loans | 46.9306% | 5,183 |
| Noncurrent assets plus other real estate owned to assets | 5.4616% | 1,050 |
| Noncurrent loans to loans | 4.7716% | 1,427 |
| Net loans and leases to total assets | 74.1581% | 2,481 |
| Net loans and leases to deposits | 97.2051% | 1,415 |
| Net loans and leases to core deposits | 154.2353% | 491 |
| Total domestic deposits to total assets | 76.2904% | 6,533 |
| Equity capital to assets | 12.7611% | 1,802 |
| Core capital (leverage) ratio | 11.8556% | 1,862 |
| Tier 1 risk-based capital ratio | 14.5705% | 3,237 |
| Total risk-based capital ratio | 15.8310% | 3,179 |
| Memoranda: | ||
| Average total assets | $197,555,250 | 3,228 |
| Average earning assets | $185,845,250 | 3,169 |
| Average equity | $22,951,750 | 2,859 |
| Average total loans | $151,067,000 | 2,930 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3029% | 5,648 |
| Cost of funding earning assets | 2.7460% | 915 |
| Net interest margin | 2.5570% | 7,406 |
| Noninterest income to average assets | 0.0564% | 7,709 |
| Noninterest expense to average assets | 1.6785% | 7,856 |
| Loan and lease loss provision to assets | 3.1507% | 467 |
| Net operating income to assets | -1.4974% | 7,245 |
| Return on assets (ROA) | -1.4974% | 7,248 |
| Pretax return on assets | -2.3628% | 7,384 |
| Return on Equity (ROE) | -13.3146% | 7,242 |
| Retained earnings to average equity (ytd only) | -13.3146% | 7,136 |
| Net charge-offs to loans | 3.8576% | 373 |
| Credit loss provision to net charge-offs | 106.5328% | 4,325 |
| Earnings coverage of net charge-offs (x) | 0.2664% | 5,405 |
| Efficiency ratio | 68.0539% | 5,152 |
| Assets per employee ($millions) | 9.7522% | 282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2875% | 1,117 |
| Loan loss allowance to noncurrent loans | 76.9579% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 3.8304% | 1,584 |
| Noncurrent loans to loans | 2.9724% | 2,428 |
| Net loans and leases to total assets | 74.4631% | 2,579 |
| Net loans and leases to deposits | 97.2571% | 1,633 |
| Net loans and leases to core deposits | 150.9421% | 630 |
| Total domestic deposits to total assets | 76.5631% | 6,424 |
| Equity capital to assets | 12.7864% | 1,795 |
| Core capital (leverage) ratio | 11.8463% | 1,903 |
| Tier 1 risk-based capital ratio | 14.4886% | 3,251 |
| Total risk-based capital ratio | 15.7493% | 3,189 |
| Memoranda: | ||
| Average total assets | $198,749,670 | 3,243 |
| Average earning assets | $187,330,330 | 3,178 |
| Average equity | $22,351,330 | 2,932 |
| Average total loans | $152,375,670 | 2,935 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2922% | 5,925 |
| Cost of funding earning assets | 2.9218% | 731 |
| Net interest margin | 2.3704% | 7,652 |
| Noninterest income to average assets | 0.0538% | 7,811 |
| Noninterest expense to average assets | 1.5653% | 7,932 |
| Loan and lease loss provision to assets | 6.2432% | 116 |
| Net operating income to assets | -3.4436% | 7,913 |
| Return on assets (ROA) | -3.4436% | 7,910 |
| Pretax return on assets | -5.5174% | 8,020 |
| Return on Equity (ROE) | -32.8054% | 7,926 |
| Retained earnings to average equity (ytd only) | -32.8054% | 7,885 |
| Net charge-offs to loans | 7.4867% | 104 |
| Credit loss provision to net charge-offs | 108.4517% | 3,538 |
| Earnings coverage of net charge-offs (x) | 0.1261% | 4,873 |
| Efficiency ratio | 68.3203% | 4,906 |
| Assets per employee ($millions) | 10.0515% | 263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2709% | 982 |
| Loan loss allowance to noncurrent loans | 56.2928% | 4,827 |
| Noncurrent assets plus other real estate owned to assets | 4.0054% | 1,281 |
| Noncurrent loans to loans | 4.0340% | 1,487 |
| Net loans and leases to total assets | 73.9208% | 2,780 |
| Net loans and leases to deposits | 92.8392% | 2,462 |
| Net loans and leases to core deposits | 142.2487% | 1,001 |
| Total domestic deposits to total assets | 79.6224% | 5,498 |
| Equity capital to assets | 10.0572% | 3,934 |
| Core capital (leverage) ratio | 9.1587% | 4,468 |
| Tier 1 risk-based capital ratio | 11.1795% | 5,723 |
| Total risk-based capital ratio | 12.4388% | 5,626 |
| Memoranda: | ||
| Average total assets | $200,603,000 | 3,235 |
| Average earning assets | $189,336,500 | 3,163 |
| Average equity | $21,057,500 | 3,112 |
| Average total loans | $154,246,000 | 2,938 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9556% | 5,780 |
| Cost of funding earning assets | 3.6190% | 358 |
| Net interest margin | 2.3365% | 7,892 |
| Noninterest income to average assets | 0.0071% | 8,081 |
| Noninterest expense to average assets | 1.6684% | 7,893 |
| Loan and lease loss provision to assets | 1.0453% | 1,401 |
| Net operating income to assets | -0.3572% | 6,778 |
| Return on assets (ROA) | -0.3572% | 6,653 |
| Pretax return on assets | -0.4833% | 6,639 |
| Return on Equity (ROE) | -3.6097% | 6,695 |
| Retained earnings to average equity (ytd only) | -3.8646% | 6,292 |
| Net charge-offs to loans | 0.6825% | 1,804 |
| Credit loss provision to net charge-offs | 192.9236% | 2,539 |
| Earnings coverage of net charge-offs (x) | 1.0372% | 5,611 |
| Efficiency ratio | 74.8021% | 3,439 |
| Assets per employee ($millions) | 8.7033% | 374 |
| Cash dividends to net income (ytd only)* | -7.0621% | 7,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0507% | 1,147 |
| Loan loss allowance to noncurrent loans | 123.9088% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 1.9728% | 2,493 |
| Noncurrent loans to loans | 1.6550% | 3,289 |
| Net loans and leases to total assets | 76.5466% | 2,490 |
| Net loans and leases to deposits | 97.4342% | 2,213 |
| Net loans and leases to core deposits | 159.0690% | 592 |
| Total domestic deposits to total assets | 78.5624% | 5,525 |
| Equity capital to assets | 10.9389% | 3,093 |
| Core capital (leverage) ratio | 11.2358% | 2,408 |
| Tier 1 risk-based capital ratio | 13.0428% | 4,086 |
| Total risk-based capital ratio | 14.3013% | 3,989 |
| Memoranda: | ||
| Average total assets | $198,216,200 | 3,163 |
| Average earning assets | $188,613,200 | 3,064 |
| Average equity | $19,613,800 | 3,287 |
| Average total loans | $157,352,200 | 2,815 |