Home > First Choice Bank > Performance and Condition Ratios
First Choice Bank, Performance and Condition Ratios
| 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 | 4.4634% | 773 |
| Cost of funding earning assets | 0.1613% | 4,108 |
| Net interest margin | 4.3021% | 491 |
| Noninterest income to average assets | 0.3086% | 3,583 |
| Noninterest expense to average assets | 1.8623% | 4,050 |
| Loan and lease loss provision to assets | 0.0373% | 2,240 |
| Net operating income to assets | 1.6910% | 889 |
| Return on assets (ROA) | 1.6886% | 935 |
| Pretax return on assets | 2.4253% | 398 |
| Return on Equity (ROE) | 14.1720% | 1,363 |
| Retained earnings to average equity (ytd only) | 8.6051% | 1,851 |
| Net charge-offs to loans | -0.0129% | 3,784 |
| Credit loss provision to net charge-offs | -357.1429% | 3,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3065% | 4,687 |
| Assets per employee ($millions) | 13.0750% | 280 |
| Cash dividends to net income (ytd only)* | 39.2812% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0124% | 3,778 |
| Loan loss allowance to noncurrent loans | 269.4187% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.2997% | 2,421 |
| Noncurrent loans to loans | 0.3758% | 2,554 |
| Net loans and leases to total assets | 78.9539% | 380 |
| Net loans and leases to deposits | 103.4551% | 192 |
| Net loans and leases to core deposits | 119.7284% | 220 |
| Total domestic deposits to total assets | 76.3170% | 4,543 |
| Equity capital to assets | 12.0189% | 1,353 |
| Core capital (leverage) ratio | 9.9990% | 2,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,412,204,000 | 450 |
| Average earning assets | $2,253,691,667 | 446 |
| Average equity | $287,411,333 | 408 |
| Average total loans | $1,960,721,667 | 371 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4317% | 868 |
| Cost of funding earning assets | 0.1698% | 4,165 |
| Net interest margin | 4.2618% | 551 |
| Noninterest income to average assets | 0.3640% | 3,269 |
| Noninterest expense to average assets | 1.9469% | 3,865 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6928% | 954 |
| Return on assets (ROA) | 1.6880% | 1,014 |
| Pretax return on assets | 2.3952% | 525 |
| Return on Equity (ROE) | 14.2302% | 1,388 |
| Retained earnings to average equity (ytd only) | 7.1925% | 2,511 |
| Net charge-offs to loans | -0.0212% | 4,019 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0524% | 4,576 |
| Assets per employee ($millions) | 13.5445% | 252 |
| Cash dividends to net income (ytd only)* | 49.4560% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9441% | 4,037 |
| Loan loss allowance to noncurrent loans | 457.7435% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.1680% | 3,324 |
| Noncurrent loans to loans | 0.2062% | 3,366 |
| Net loans and leases to total assets | 80.6949% | 301 |
| Net loans and leases to deposits | 106.7788% | 160 |
| Net loans and leases to core deposits | 124.6269% | 199 |
| Total domestic deposits to total assets | 75.5720% | 4,605 |
| Equity capital to assets | 11.4348% | 1,584 |
| Core capital (leverage) ratio | 9.7465% | 2,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,395,792,000 | 441 |
| Average earning assets | $2,239,792,500 | 438 |
| Average equity | $284,184,500 | 409 |
| Average total loans | $1,965,989,000 | 370 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8352% | 689 |
| Cost of funding earning assets | 0.3516% | 3,861 |
| Net interest margin | 4.4836% | 342 |
| Noninterest income to average assets | 0.3945% | 3,122 |
| Noninterest expense to average assets | 2.1832% | 3,708 |
| Loan and lease loss provision to assets | 0.2883% | 1,315 |
| Net operating income to assets | 1.4699% | 878 |
| Return on assets (ROA) | 1.4714% | 952 |
| Pretax return on assets | 2.0828% | 378 |
| Return on Equity (ROE) | 10.9655% | 1,639 |
| Retained earnings to average equity (ytd only) | 3.6819% | 2,991 |
| Net charge-offs to loans | 0.0150% | 2,817 |
| Credit loss provision to net charge-offs | 2,313.7255% | 395 |
| Earnings coverage of net charge-offs (x) | 190.1255% | 488 |
| Efficiency ratio | 47.1290% | 4,670 |
| Assets per employee ($millions) | 12.2895% | 301 |
| Cash dividends to net income (ytd only)* | 66.4231% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0137% | 3,815 |
| Loan loss allowance to noncurrent loans | 296.0612% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.2832% | 2,883 |
| Noncurrent loans to loans | 0.3424% | 2,981 |
| Net loans and leases to total assets | 81.8750% | 305 |
| Net loans and leases to deposits | 114.4984% | 113 |
| Net loans and leases to core deposits | 130.3500% | 199 |
| Total domestic deposits to total assets | 71.5076% | 4,735 |
| Equity capital to assets | 12.3299% | 1,404 |
| Core capital (leverage) ratio | 10.2762% | 2,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,046,282,800 | 466 |
| Average earning assets | $1,897,708,600 | 465 |
| Average equity | $274,589,400 | 397 |
| Average total loans | $1,699,608,200 | 401 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8480% | 810 |
| Cost of funding earning assets | 0.3882% | 3,881 |
| Net interest margin | 4.4598% | 421 |
| Noninterest income to average assets | 0.2689% | 3,858 |
| Noninterest expense to average assets | 2.2052% | 3,667 |
| Loan and lease loss provision to assets | 0.3893% | 931 |
| Net operating income to assets | 1.2737% | 1,415 |
| Return on assets (ROA) | 1.2763% | 1,514 |
| Pretax return on assets | 1.8046% | 769 |
| Return on Equity (ROE) | 9.2938% | 2,286 |
| Retained earnings to average equity (ytd only) | 1.9620% | 3,946 |
| Net charge-offs to loans | 0.0475% | 1,933 |
| Credit loss provision to net charge-offs | 986.3946% | 834 |
| Earnings coverage of net charge-offs (x) | 55.5051% | 1,138 |
| Efficiency ratio | 49.2808% | 4,540 |
| Assets per employee ($millions) | 12.5338% | 291 |
| Cash dividends to net income (ytd only)* | 78.8892% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9750% | 3,801 |
| Loan loss allowance to noncurrent loans | 143.6326% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 0.5781% | 1,996 |
| Noncurrent loans to loans | 0.6788% | 2,095 |
| Net loans and leases to total assets | 84.3353% | 249 |
| Net loans and leases to deposits | 121.9243% | 98 |
| Net loans and leases to core deposits | 144.0088% | 144 |
| Total domestic deposits to total assets | 69.1702% | 4,785 |
| Equity capital to assets | 12.2272% | 1,563 |
| Core capital (leverage) ratio | 10.2926% | 2,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,986,390,500 | 472 |
| Average earning assets | $1,838,112,000 | 465 |
| Average equity | $272,775,750 | 394 |
| Average total loans | $1,651,833,000 | 404 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9869% | 841 |
| Cost of funding earning assets | 0.4530% | 3,780 |
| Net interest margin | 4.5339% | 465 |
| Noninterest income to average assets | 0.2317% | 4,094 |
| Noninterest expense to average assets | 2.2938% | 3,534 |
| Loan and lease loss provision to assets | 0.5062% | 701 |
| Net operating income to assets | 1.1415% | 1,837 |
| Return on assets (ROA) | 1.1460% | 1,944 |
| Pretax return on assets | 1.6206% | 1,180 |
| Return on Equity (ROE) | 7.9978% | 2,750 |
| Retained earnings to average equity (ytd only) | 0.6381% | 4,175 |
| Net charge-offs to loans | 0.0640% | 1,605 |
| Credit loss provision to net charge-offs | 960.0000% | 817 |
| Earnings coverage of net charge-offs (x) | 40.2260% | 1,243 |
| Efficiency ratio | 51.0343% | 4,435 |
| Assets per employee ($millions) | 12.7053% | 271 |
| Cash dividends to net income (ytd only)* | 92.0217% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9623% | 3,749 |
| Loan loss allowance to noncurrent loans | 210.5873% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.4077% | 2,663 |
| Noncurrent loans to loans | 0.4570% | 2,776 |
| Net loans and leases to total assets | 82.4907% | 374 |
| Net loans and leases to deposits | 114.2440% | 154 |
| Net loans and leases to core deposits | 127.5861% | 293 |
| Total domestic deposits to total assets | 72.2057% | 4,700 |
| Equity capital to assets | 12.2649% | 1,505 |
| Core capital (leverage) ratio | 10.3085% | 2,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,896,495,000 | 483 |
| Average earning assets | $1,749,794,333 | 484 |
| Average equity | $271,749,667 | 394 |
| Average total loans | $1,561,976,000 | 418 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4817% | 389 |
| Cost of funding earning assets | 0.6245% | 3,309 |
| Net interest margin | 4.8572% | 248 |
| Noninterest income to average assets | 0.2904% | 3,788 |
| Noninterest expense to average assets | 2.5765% | 3,057 |
| Loan and lease loss provision to assets | 0.6232% | 436 |
| Net operating income to assets | 1.0998% | 1,844 |
| Return on assets (ROA) | 1.1074% | 1,915 |
| Pretax return on assets | 1.5527% | 1,169 |
| Return on Equity (ROE) | 7.0748% | 2,912 |
| Retained earnings to average equity (ytd only) | -0.2979% | 4,035 |
| Net charge-offs to loans | 0.0011% | 2,558 |
| Credit loss provision to net charge-offs | 67,500.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 2,346.2500% | 9 |
| Efficiency ratio | 53.3872% | 4,444 |
| Assets per employee ($millions) | 9.9754% | 385 |
| Cash dividends to net income (ytd only)* | 104.2101% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1172% | 3,104 |
| Loan loss allowance to noncurrent loans | 174.5748% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 0.5232% | 2,423 |
| Noncurrent loans to loans | 0.6400% | 2,391 |
| Net loans and leases to total assets | 80.8409% | 588 |
| Net loans and leases to deposits | 106.2160% | 287 |
| Net loans and leases to core deposits | 121.5735% | 420 |
| Total domestic deposits to total assets | 76.1099% | 4,473 |
| Equity capital to assets | 15.2824% | 715 |
| Core capital (leverage) ratio | 11.7253% | 1,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,733,027,500 | 516 |
| Average earning assets | $1,588,564,500 | 514 |
| Average equity | $271,273,500 | 389 |
| Average total loans | $1,416,991,500 | 448 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9080% | 259 |
| Cost of funding earning assets | 0.7455% | 2,942 |
| Net interest margin | 5.1625% | 204 |
| Noninterest income to average assets | 0.4496% | 3,009 |
| Noninterest expense to average assets | 2.5516% | 3,317 |
| Loan and lease loss provision to assets | 0.1677% | 1,245 |
| Net operating income to assets | 1.7181% | 636 |
| Return on assets (ROA) | 1.7220% | 670 |
| Pretax return on assets | 2.4679% | 221 |
| Return on Equity (ROE) | 10.8299% | 1,956 |
| Retained earnings to average equity (ytd only) | 3.6747% | 3,158 |
| Net charge-offs to loans | 0.0252% | 2,893 |
| Credit loss provision to net charge-offs | 838.3234% | 391 |
| Earnings coverage of net charge-offs (x) | 131.5359% | 556 |
| Efficiency ratio | 48.2582% | 4,822 |
| Assets per employee ($millions) | 9.3394% | 442 |
| Cash dividends to net income (ytd only)* | 66.0686% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9782% | 3,616 |
| Loan loss allowance to noncurrent loans | 119.3153% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 0.6704% | 1,915 |
| Noncurrent loans to loans | 0.8198% | 1,867 |
| Net loans and leases to total assets | 80.9741% | 670 |
| Net loans and leases to deposits | 104.1690% | 371 |
| Net loans and leases to core deposits | 118.4503% | 523 |
| Total domestic deposits to total assets | 77.7334% | 4,399 |
| Equity capital to assets | 16.0426% | 594 |
| Core capital (leverage) ratio | 12.0140% | 1,766 |
| Tier 1 risk-based capital ratio | 13.0382% | 3,775 |
| Total risk-based capital ratio | 14.0283% | 3,799 |
| Memoranda: | ||
| Average total assets | $1,670,071,400 | 510 |
| Average earning assets | $1,531,001,400 | 502 |
| Average equity | $265,542,200 | 377 |
| Average total loans | $1,325,205,800 | 457 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9698% | 252 |
| Cost of funding earning assets | 0.7686% | 2,875 |
| Net interest margin | 5.2012% | 200 |
| Noninterest income to average assets | 0.4758% | 2,875 |
| Noninterest expense to average assets | 2.5162% | 3,394 |
| Loan and lease loss provision to assets | 0.1281% | 1,516 |
| Net operating income to assets | 1.8068% | 609 |
| Return on assets (ROA) | 1.8123% | 635 |
| Pretax return on assets | 2.6160% | 200 |
| Return on Equity (ROE) | 11.4244% | 1,828 |
| Retained earnings to average equity (ytd only) | 5.3669% | 2,694 |
| Net charge-offs to loans | 0.0321% | 2,433 |
| Credit loss provision to net charge-offs | 506.3291% | 614 |
| Earnings coverage of net charge-offs (x) | 108.1653% | 708 |
| Efficiency ratio | 46.9978% | 4,897 |
| Assets per employee ($millions) | 9.1472% | 461 |
| Cash dividends to net income (ytd only)* | 53.0223% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9288% | 3,929 |
| Loan loss allowance to noncurrent loans | 164.9733% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 0.4518% | 2,714 |
| Noncurrent loans to loans | 0.5630% | 2,612 |
| Net loans and leases to total assets | 79.4973% | 911 |
| Net loans and leases to deposits | 98.2398% | 797 |
| Net loans and leases to core deposits | 117.2463% | 619 |
| Total domestic deposits to total assets | 80.9216% | 3,782 |
| Equity capital to assets | 16.4091% | 568 |
| Core capital (leverage) ratio | 12.5554% | 1,544 |
| Tier 1 risk-based capital ratio | 13.4214% | 3,620 |
| Total risk-based capital ratio | 14.3716% | 3,689 |
| Memoranda: | ||
| Average total assets | $1,664,981,500 | 511 |
| Average earning assets | $1,529,337,750 | 503 |
| Average equity | $264,130,500 | 382 |
| Average total loans | $1,310,923,750 | 459 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7543% | 360 |
| Cost of funding earning assets | 0.7403% | 2,945 |
| Net interest margin | 5.0139% | 283 |
| Noninterest income to average assets | 0.5164% | 2,585 |
| Noninterest expense to average assets | 2.5088% | 3,444 |
| Loan and lease loss provision to assets | 0.1079% | 1,741 |
| Net operating income to assets | 1.7110% | 713 |
| Return on assets (ROA) | 1.7180% | 730 |
| Pretax return on assets | 2.5168% | 231 |
| Return on Equity (ROE) | 10.9542% | 1,995 |
| Retained earnings to average equity (ytd only) | 4.8384% | 2,844 |
| Net charge-offs to loans | -0.0149% | 4,450 |
| Credit loss provision to net charge-offs | -927.8351% | 4,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9565% | 4,844 |
| Assets per employee ($millions) | 9.9449% | 338 |
| Cash dividends to net income (ytd only)* | 55.8308% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8965% | 4,108 |
| Loan loss allowance to noncurrent loans | 429.2379% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.1623% | 3,948 |
| Noncurrent loans to loans | 0.2089% | 3,795 |
| Net loans and leases to total assets | 76.9985% | 1,391 |
| Net loans and leases to deposits | 106.0698% | 337 |
| Net loans and leases to core deposits | 133.6427% | 266 |
| Total domestic deposits to total assets | 72.5922% | 4,935 |
| Equity capital to assets | 15.4119% | 726 |
| Core capital (leverage) ratio | 12.5517% | 1,510 |
| Tier 1 risk-based capital ratio | 13.1704% | 3,748 |
| Total risk-based capital ratio | 14.1080% | 3,816 |
| Memoranda: | ||
| Average total assets | $1,668,097,000 | 505 |
| Average earning assets | $1,533,126,000 | 497 |
| Average equity | $261,616,000 | 385 |
| Average total loans | $1,305,056,670 | 460 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8243% | 297 |
| Cost of funding earning assets | 0.6592% | 3,266 |
| Net interest margin | 5.1651% | 210 |
| Noninterest income to average assets | 0.5036% | 2,532 |
| Noninterest expense to average assets | 2.5692% | 3,298 |
| Loan and lease loss provision to assets | 0.0855% | 1,992 |
| Net operating income to assets | 1.7666% | 633 |
| Return on assets (ROA) | 1.7733% | 635 |
| Pretax return on assets | 2.5944% | 214 |
| Return on Equity (ROE) | 11.2043% | 1,866 |
| Retained earnings to average equity (ytd only) | 11.2043% | 761 |
| Net charge-offs to loans | -0.0065% | 4,092 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,034 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0255% | 4,893 |
| Assets per employee ($millions) | 9.0243% | 467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8846% | 4,218 |
| Loan loss allowance to noncurrent loans | 596.0355% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.1161% | 4,230 |
| Noncurrent loans to loans | 0.1484% | 4,068 |
| Net loans and leases to total assets | 77.5260% | 1,232 |
| Net loans and leases to deposits | 105.3274% | 345 |
| Net loans and leases to core deposits | 128.7434% | 324 |
| Total domestic deposits to total assets | 73.6048% | 4,960 |
| Equity capital to assets | 15.8545% | 597 |
| Core capital (leverage) ratio | 12.7258% | 1,387 |
| Tier 1 risk-based capital ratio | 13.5105% | 3,596 |
| Total risk-based capital ratio | 14.4504% | 3,679 |
| Memoranda: | ||
| Average total assets | $1,636,940,000 | 521 |
| Average earning assets | $1,501,222,000 | 516 |
| Average equity | $259,079,000 | 386 |
| Average total loans | $1,285,363,500 | 466 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6716% | 290 |
| Cost of funding earning assets | 0.7443% | 1,826 |
| Net interest margin | 4.9273% | 307 |
| Noninterest income to average assets | 0.3011% | 4,093 |
| Noninterest expense to average assets | 2.9287% | 2,248 |
| Loan and lease loss provision to assets | 0.1262% | 1,736 |
| Net operating income to assets | 1.3342% | 1,676 |
| Return on assets (ROA) | 1.3264% | 1,686 |
| Pretax return on assets | 1.8859% | 746 |
| Return on Equity (ROE) | 9.6133% | 2,685 |
| Retained earnings to average equity (ytd only) | 9.6133% | 704 |
| Net charge-offs to loans | 0.0985% | 1,779 |
| Credit loss provision to net charge-offs | 158.1686% | 1,754 |
| Earnings coverage of net charge-offs (x) | 25.3486% | 1,773 |
| Efficiency ratio | 59.1570% | 3,990 |
| Assets per employee ($millions) | 9.1663% | 440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8644% | 4,314 |
| Loan loss allowance to noncurrent loans | 617.6536% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.1103% | 4,280 |
| Noncurrent loans to loans | 0.1400% | 4,112 |
| Net loans and leases to total assets | 78.1508% | 1,253 |
| Net loans and leases to deposits | 101.2323% | 649 |
| Net loans and leases to core deposits | 118.4765% | 601 |
| Total domestic deposits to total assets | 77.1994% | 4,604 |
| Equity capital to assets | 15.7991% | 565 |
| Core capital (leverage) ratio | 12.0260% | 1,721 |
| Tier 1 risk-based capital ratio | 13.2551% | 3,691 |
| Total risk-based capital ratio | 14.1776% | 3,774 |
| Memoranda: | ||
| Average total assets | $1,204,719,600 | 636 |
| Average earning assets | $1,136,833,600 | 623 |
| Average equity | $166,217,800 | 529 |
| Average total loans | $975,744,000 | 571 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3797% | 449 |
| Cost of funding earning assets | 0.7625% | 1,522 |
| Net interest margin | 4.6171% | 575 |
| Noninterest income to average assets | 0.2569% | 4,437 |
| Noninterest expense to average assets | 2.9875% | 2,049 |
| Loan and lease loss provision to assets | 0.1357% | 1,475 |
| Net operating income to assets | 1.1061% | 2,639 |
| Return on assets (ROA) | 1.0927% | 2,714 |
| Pretax return on assets | 1.5221% | 1,832 |
| Return on Equity (ROE) | 8.3669% | 3,396 |
| Retained earnings to average equity (ytd only) | 8.3669% | 1,488 |
| Net charge-offs to loans | 0.1422% | 1,148 |
| Credit loss provision to net charge-offs | 116.6667% | 2,029 |
| Earnings coverage of net charge-offs (x) | 14.3969% | 2,287 |
| Efficiency ratio | 64.0780% | 3,172 |
| Assets per employee ($millions) | 9.2828% | 402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8515% | 4,453 |
| Loan loss allowance to noncurrent loans | 812.1951% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.0827% | 4,558 |
| Noncurrent loans to loans | 0.1048% | 4,414 |
| Net loans and leases to total assets | 78.1704% | 1,322 |
| Net loans and leases to deposits | 94.4217% | 1,329 |
| Net loans and leases to core deposits | 112.0743% | 908 |
| Total domestic deposits to total assets | 82.7886% | 3,377 |
| Equity capital to assets | 15.6388% | 594 |
| Core capital (leverage) ratio | 13.5033% | 1,104 |
| Tier 1 risk-based capital ratio | 12.7867% | 4,031 |
| Total risk-based capital ratio | 13.6885% | 4,120 |
| Memoranda: | ||
| Average total assets | $1,100,290,250 | 694 |
| Average earning assets | $1,049,829,000 | 668 |
| Average equity | $143,689,750 | 600 |
| Average total loans | $899,929,250 | 611 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2820% | 488 |
| Cost of funding earning assets | 0.8055% | 1,101 |
| Net interest margin | 4.4765% | 729 |
| Noninterest income to average assets | 0.3068% | 4,120 |
| Noninterest expense to average assets | 2.6624% | 3,128 |
| Loan and lease loss provision to assets | 0.1109% | 1,778 |
| Net operating income to assets | 1.3343% | 1,650 |
| Return on assets (ROA) | 1.3146% | 1,716 |
| Pretax return on assets | 1.8681% | 844 |
| Return on Equity (ROE) | 11.3287% | 1,986 |
| Retained earnings to average equity (ytd only) | 11.3287% | 612 |
| Net charge-offs to loans | 0.1638% | 946 |
| Credit loss provision to net charge-offs | 81.1232% | 2,243 |
| Earnings coverage of net charge-offs (x) | 14.6615% | 2,085 |
| Efficiency ratio | 57.0554% | 4,352 |
| Assets per employee ($millions) | 9.4379% | 382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3052% | 2,140 |
| Loan loss allowance to noncurrent loans | 686.6976% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.1570% | 4,210 |
| Noncurrent loans to loans | 0.1901% | 4,053 |
| Net loans and leases to total assets | 81.5007% | 770 |
| Net loans and leases to deposits | 99.8839% | 814 |
| Net loans and leases to core deposits | 128.2517% | 364 |
| Total domestic deposits to total assets | 81.5954% | 3,843 |
| Equity capital to assets | 11.6620% | 2,084 |
| Core capital (leverage) ratio | 12.1627% | 1,613 |
| Tier 1 risk-based capital ratio | 13.4782% | 3,627 |
| Total risk-based capital ratio | 14.7295% | 3,541 |
| Memoranda: | ||
| Average total assets | $937,935,330 | 816 |
| Average earning assets | $913,444,670 | 768 |
| Average equity | $108,838,670 | 781 |
| Average total loans | $782,739,670 | 711 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9668% | 747 |
| Cost of funding earning assets | 0.7206% | 1,337 |
| Net interest margin | 4.2461% | 1,058 |
| Noninterest income to average assets | 0.2701% | 4,364 |
| Noninterest expense to average assets | 2.7460% | 2,887 |
| Loan and lease loss provision to assets | 0.0864% | 2,069 |
| Net operating income to assets | 1.1535% | 2,200 |
| Return on assets (ROA) | 1.1310% | 2,303 |
| Pretax return on assets | 1.5446% | 1,546 |
| Return on Equity (ROE) | 9.7718% | 2,552 |
| Retained earnings to average equity (ytd only) | 9.7718% | 1,233 |
| Net charge-offs to loans | 0.3538% | 439 |
| Credit loss provision to net charge-offs | 29.1121% | 2,073 |
| Earnings coverage of net charge-offs (x) | 5.5895% | 2,223 |
| Efficiency ratio | 62.3308% | 3,727 |
| Assets per employee ($millions) | 8.7729% | 480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2498% | 2,523 |
| Loan loss allowance to noncurrent loans | 989.1304% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.1068% | 4,551 |
| Noncurrent loans to loans | 0.1263% | 4,400 |
| Net loans and leases to total assets | 83.4791% | 492 |
| Net loans and leases to deposits | 104.1801% | 470 |
| Net loans and leases to core deposits | 131.5836% | 310 |
| Total domestic deposits to total assets | 80.1296% | 4,391 |
| Equity capital to assets | 11.4370% | 2,183 |
| Core capital (leverage) ratio | 12.1876% | 1,534 |
| Tier 1 risk-based capital ratio | 13.0129% | 3,937 |
| Total risk-based capital ratio | 14.2636% | 3,852 |
| Memoranda: | ||
| Average total assets | $925,571,500 | 828 |
| Average earning assets | $901,428,500 | 778 |
| Average equity | $107,125,000 | 793 |
| Average total loans | $776,633,000 | 714 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6499% | 1,306 |
| Cost of funding earning assets | 0.6867% | 1,098 |
| Net interest margin | 3.9633% | 1,871 |
| Noninterest income to average assets | 0.5503% | 2,717 |
| Noninterest expense to average assets | 2.5917% | 3,468 |
| Loan and lease loss provision to assets | 0.0710% | 2,786 |
| Net operating income to assets | 0.8350% | 3,014 |
| Return on assets (ROA) | 0.8350% | 3,047 |
| Pretax return on assets | 1.7448% | 908 |
| Return on Equity (ROE) | 7.2710% | 3,136 |
| Retained earnings to average equity (ytd only) | 1.7205% | 4,277 |
| Net charge-offs to loans | 0.2352% | 1,102 |
| Credit loss provision to net charge-offs | 36.8119% | 3,471 |
| Earnings coverage of net charge-offs (x) | 9.4117% | 2,792 |
| Efficiency ratio | 58.8012% | 4,435 |
| Assets per employee ($millions) | 8.4455% | 543 |
| Cash dividends to net income (ytd only)* | 76.3381% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3953% | 1,792 |
| Loan loss allowance to noncurrent loans | 586.0972% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.1982% | 4,147 |
| Noncurrent loans to loans | 0.2381% | 3,949 |
| Net loans and leases to total assets | 82.0893% | 671 |
| Net loans and leases to deposits | 95.9922% | 1,092 |
| Net loans and leases to core deposits | 116.0920% | 718 |
| Total domestic deposits to total assets | 85.5167% | 2,649 |
| Equity capital to assets | 11.7175% | 2,022 |
| Core capital (leverage) ratio | 11.7548% | 1,757 |
| Tier 1 risk-based capital ratio | 13.4629% | 3,649 |
| Total risk-based capital ratio | 14.7153% | 3,558 |
| Memoranda: | ||
| Average total assets | $903,919,800 | 827 |
| Average earning assets | $879,757,200 | 769 |
| Average equity | $103,809,600 | 793 |
| Average total loans | $741,460,600 | 708 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4743% | 1,713 |
| Cost of funding earning assets | 0.6791% | 1,078 |
| Net interest margin | 3.7951% | 2,421 |
| Noninterest income to average assets | 0.5985% | 2,497 |
| Noninterest expense to average assets | 2.5060% | 3,707 |
| Loan and lease loss provision to assets | 0.1475% | 1,419 |
| Net operating income to assets | 0.9668% | 2,703 |
| Return on assets (ROA) | 0.9668% | 2,758 |
| Pretax return on assets | 1.6383% | 1,287 |
| Return on Equity (ROE) | 8.4614% | 2,902 |
| Retained earnings to average equity (ytd only) | 2.8850% | 4,183 |
| Net charge-offs to loans | 0.3243% | 646 |
| Credit loss provision to net charge-offs | 55.6483% | 2,852 |
| Earnings coverage of net charge-offs (x) | 6.7379% | 2,950 |
| Efficiency ratio | 58.3903% | 4,452 |
| Assets per employee ($millions) | 8.8029% | 469 |
| Cash dividends to net income (ytd only)* | 65.9039% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4064% | 1,859 |
| Loan loss allowance to noncurrent loans | 700.5188% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.1668% | 4,436 |
| Noncurrent loans to loans | 0.2008% | 4,281 |
| Net loans and leases to total assets | 81.9295% | 702 |
| Net loans and leases to deposits | 95.4317% | 1,161 |
| Net loans and leases to core deposits | 112.2209% | 917 |
| Total domestic deposits to total assets | 85.8515% | 2,370 |
| Equity capital to assets | 11.3628% | 2,504 |
| Core capital (leverage) ratio | 11.5711% | 1,970 |
| Tier 1 risk-based capital ratio | 12.7725% | 4,153 |
| Total risk-based capital ratio | 14.0241% | 4,056 |
| Memoranda: | ||
| Average total assets | $903,982,750 | 831 |
| Average earning assets | $879,735,500 | 776 |
| Average equity | $103,290,250 | 798 |
| Average total loans | $738,747,750 | 711 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2982% | 2,133 |
| Cost of funding earning assets | 0.6591% | 1,091 |
| Net interest margin | 3.6391% | 2,883 |
| Noninterest income to average assets | 0.5863% | 2,530 |
| Noninterest expense to average assets | 2.4844% | 3,795 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9739% | 2,553 |
| Return on assets (ROA) | 0.9739% | 2,599 |
| Pretax return on assets | 1.6427% | 1,218 |
| Return on Equity (ROE) | 8.5073% | 2,774 |
| Retained earnings to average equity (ytd only) | 2.9033% | 3,984 |
| Net charge-offs to loans | 0.0730% | 1,893 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 27.7030% | 1,532 |
| Efficiency ratio | 60.1977% | 4,288 |
| Assets per employee ($millions) | 8.8673% | 438 |
| Cash dividends to net income (ytd only)* | 65.8732% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5330% | 1,460 |
| Loan loss allowance to noncurrent loans | 485.5613% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.2555% | 4,103 |
| Noncurrent loans to loans | 0.3157% | 3,910 |
| Net loans and leases to total assets | 79.7024% | 995 |
| Net loans and leases to deposits | 96.2012% | 1,057 |
| Net loans and leases to core deposits | 114.1873% | 791 |
| Total domestic deposits to total assets | 82.8496% | 3,611 |
| Equity capital to assets | 11.3864% | 2,423 |
| Core capital (leverage) ratio | 12.1251% | 1,570 |
| Tier 1 risk-based capital ratio | 13.0182% | 3,984 |
| Total risk-based capital ratio | 14.2711% | 3,898 |
| Memoranda: | ||
| Average total assets | $897,208,000 | 842 |
| Average earning assets | $872,972,670 | 787 |
| Average equity | $102,711,330 | 804 |
| Average total loans | $728,969,670 | 721 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1980% | 2,285 |
| Cost of funding earning assets | 0.6627% | 1,013 |
| Net interest margin | 3.5353% | 3,147 |
| Noninterest income to average assets | 0.6501% | 2,177 |
| Noninterest expense to average assets | 2.4711% | 3,900 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9605% | 2,475 |
| Return on assets (ROA) | 0.9605% | 2,533 |
| Pretax return on assets | 1.6227% | 1,179 |
| Return on Equity (ROE) | 8.3668% | 2,734 |
| Retained earnings to average equity (ytd only) | 2.7276% | 4,047 |
| Net charge-offs to loans | 0.0420% | 1,985 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 47.4605% | 933 |
| Efficiency ratio | 60.3626% | 4,410 |
| Assets per employee ($millions) | 9.2408% | 392 |
| Cash dividends to net income (ytd only)* | 67.4005% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5503% | 1,509 |
| Loan loss allowance to noncurrent loans | 446.2820% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.2822% | 4,080 |
| Noncurrent loans to loans | 0.3474% | 3,854 |
| Net loans and leases to total assets | 79.9881% | 832 |
| Net loans and leases to deposits | 95.3518% | 980 |
| Net loans and leases to core deposits | 107.1784% | 1,025 |
| Total domestic deposits to total assets | 83.8874% | 3,520 |
| Equity capital to assets | 11.2250% | 2,412 |
| Core capital (leverage) ratio | 11.8814% | 1,702 |
| Tier 1 risk-based capital ratio | 13.2861% | 3,896 |
| Total risk-based capital ratio | 14.5396% | 3,815 |
| Memoranda: | ||
| Average total assets | $889,148,000 | 854 |
| Average earning assets | $866,124,000 | 801 |
| Average equity | $102,069,500 | 803 |
| Average total loans | $723,816,000 | 727 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6495% | 1,169 |
| Cost of funding earning assets | 0.7480% | 643 |
| Net interest margin | 3.9014% | 1,963 |
| Noninterest income to average assets | 0.5222% | 3,085 |
| Noninterest expense to average assets | 2.4171% | 4,259 |
| Loan and lease loss provision to assets | 0.2098% | 1,080 |
| Net operating income to assets | 0.9971% | 2,363 |
| Return on assets (ROA) | 0.9971% | 2,470 |
| Pretax return on assets | 1.6978% | 1,005 |
| Return on Equity (ROE) | 8.5304% | 2,652 |
| Retained earnings to average equity (ytd only) | 8.5304% | 690 |
| Net charge-offs to loans | 0.2286% | 1,216 |
| Credit loss provision to net charge-offs | 111.8252% | 2,350 |
| Earnings coverage of net charge-offs (x) | 10.1684% | 2,667 |
| Efficiency ratio | 55.8907% | 5,078 |
| Assets per employee ($millions) | 9.1857% | 404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6468% | 1,265 |
| Loan loss allowance to noncurrent loans | 346.3422% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.3879% | 3,717 |
| Noncurrent loans to loans | 0.4755% | 3,447 |
| Net loans and leases to total assets | 80.2295% | 869 |
| Net loans and leases to deposits | 91.5651% | 1,505 |
| Net loans and leases to core deposits | 103.9533% | 1,285 |
| Total domestic deposits to total assets | 87.6202% | 1,823 |
| Equity capital to assets | 11.7491% | 1,968 |
| Core capital (leverage) ratio | 12.4230% | 1,373 |
| Tier 1 risk-based capital ratio | 14.0715% | 3,426 |
| Total risk-based capital ratio | 15.3265% | 3,339 |
| Memoranda: | ||
| Average total assets | $829,424,800 | 875 |
| Average earning assets | $808,394,400 | 826 |
| Average equity | $96,947,000 | 814 |
| Average total loans | $680,796,200 | 735 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7323% | 1,006 |
| Cost of funding earning assets | 0.7329% | 690 |
| Net interest margin | 3.9994% | 1,652 |
| Noninterest income to average assets | 0.5343% | 3,019 |
| Noninterest expense to average assets | 2.4733% | 4,068 |
| Loan and lease loss provision to assets | 0.2826% | 617 |
| Net operating income to assets | 0.9862% | 2,494 |
| Return on assets (ROA) | 0.9862% | 2,631 |
| Pretax return on assets | 1.6789% | 1,179 |
| Return on Equity (ROE) | 8.4488% | 2,785 |
| Retained earnings to average equity (ytd only) | 8.4488% | 996 |
| Net charge-offs to loans | 0.3074% | 750 |
| Credit loss provision to net charge-offs | 111.8252% | 2,202 |
| Earnings coverage of net charge-offs (x) | 7.7616% | 2,843 |
| Efficiency ratio | 55.7700% | 5,085 |
| Assets per employee ($millions) | 8.4147% | 499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7287% | 1,146 |
| Loan loss allowance to noncurrent loans | 506.2855% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.2750% | 4,329 |
| Noncurrent loans to loans | 0.3414% | 4,032 |
| Net loans and leases to total assets | 79.1505% | 1,017 |
| Net loans and leases to deposits | 91.4289% | 1,575 |
| Net loans and leases to core deposits | 106.4835% | 1,152 |
| Total domestic deposits to total assets | 86.5706% | 2,100 |
| Equity capital to assets | 11.9589% | 2,152 |
| Core capital (leverage) ratio | 12.0886% | 1,614 |
| Tier 1 risk-based capital ratio | 14.3344% | 3,378 |
| Total risk-based capital ratio | 15.5902% | 3,310 |
| Memoranda: | ||
| Average total assets | $820,917,250 | 886 |
| Average earning assets | $800,600,250 | 834 |
| Average equity | $95,821,750 | 829 |
| Average total loans | $674,909,000 | 739 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6364% | 1,191 |
| Cost of funding earning assets | 0.7263% | 699 |
| Net interest margin | 3.9101% | 1,948 |
| Noninterest income to average assets | 0.5399% | 2,956 |
| Noninterest expense to average assets | 2.4809% | 4,083 |
| Loan and lease loss provision to assets | 0.3624% | 441 |
| Net operating income to assets | 0.8875% | 2,926 |
| Return on assets (ROA) | 0.8875% | 3,047 |
| Pretax return on assets | 1.5109% | 1,640 |
| Return on Equity (ROE) | 7.6675% | 3,164 |
| Retained earnings to average equity (ytd only) | 7.6675% | 1,303 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9782% | 5,029 |
| Assets per employee ($millions) | 8.4436% | 491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8694% | 945 |
| Loan loss allowance to noncurrent loans | 363.6492% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.4285% | 3,790 |
| Noncurrent loans to loans | 0.5141% | 3,543 |
| Net loans and leases to total assets | 81.8041% | 648 |
| Net loans and leases to deposits | 96.6926% | 1,003 |
| Net loans and leases to core deposits | 113.6023% | 741 |
| Total domestic deposits to total assets | 84.6022% | 3,048 |
| Equity capital to assets | 11.7076% | 2,349 |
| Core capital (leverage) ratio | 11.8523% | 1,727 |
| Tier 1 risk-based capital ratio | 13.2864% | 4,027 |
| Total risk-based capital ratio | 14.5435% | 3,940 |
| Memoranda: | ||
| Average total assets | $816,872,000 | 888 |
| Average earning assets | $796,866,000 | 835 |
| Average equity | $94,554,330 | 843 |
| Average total loans | $676,223,670 | 736 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5802% | 1,310 |
| Cost of funding earning assets | 0.7155% | 749 |
| Net interest margin | 3.8648% | 2,055 |
| Noninterest income to average assets | 0.5338% | 2,905 |
| Noninterest expense to average assets | 2.5565% | 3,891 |
| Loan and lease loss provision to assets | 0.4436% | 293 |
| Net operating income to assets | 0.7669% | 3,410 |
| Return on assets (ROA) | 0.7669% | 3,517 |
| Pretax return on assets | 1.3061% | 2,276 |
| Return on Equity (ROE) | 6.6643% | 3,634 |
| Retained earnings to average equity (ytd only) | 6.6643% | 2,052 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3682% | 4,827 |
| Assets per employee ($millions) | 8.3614% | 502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8386% | 1,077 |
| Loan loss allowance to noncurrent loans | 319.4553% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.4753% | 3,693 |
| Noncurrent loans to loans | 0.5755% | 3,467 |
| Net loans and leases to total assets | 81.0657% | 675 |
| Net loans and leases to deposits | 94.7750% | 1,061 |
| Net loans and leases to core deposits | 111.4501% | 786 |
| Total domestic deposits to total assets | 85.5350% | 2,897 |
| Equity capital to assets | 11.6331% | 2,306 |
| Core capital (leverage) ratio | 11.6675% | 1,852 |
| Tier 1 risk-based capital ratio | 13.4797% | 3,989 |
| Total risk-based capital ratio | 14.7366% | 3,914 |
| Memoranda: | ||
| Average total assets | $811,572,500 | 894 |
| Average earning assets | $792,184,500 | 845 |
| Average equity | $93,393,000 | 850 |
| Average total loans | $669,435,500 | 742 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5953% | 1,343 |
| Cost of funding earning assets | 0.7953% | 500 |
| Net interest margin | 3.8000% | 2,377 |
| Noninterest income to average assets | 0.5429% | 3,055 |
| Noninterest expense to average assets | 2.5452% | 4,085 |
| Loan and lease loss provision to assets | 0.4301% | 291 |
| Net operating income to assets | 0.7437% | 3,603 |
| Return on assets (ROA) | 0.7437% | 3,698 |
| Pretax return on assets | 1.2793% | 2,361 |
| Return on Equity (ROE) | 7.0225% | 3,503 |
| Retained earnings to average equity (ytd only) | 7.0225% | 1,270 |
| Net charge-offs to loans | 0.0343% | 3,518 |
| Credit loss provision to net charge-offs | 1,521.4634% | 228 |
| Earnings coverage of net charge-offs (x) | 60.4683% | 865 |
| Efficiency ratio | 59.8211% | 4,929 |
| Assets per employee ($millions) | 8.3720% | 487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7061% | 1,337 |
| Loan loss allowance to noncurrent loans | 291.7199% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.4818% | 3,700 |
| Noncurrent loans to loans | 0.5848% | 3,422 |
| Net loans and leases to total assets | 80.9828% | 712 |
| Net loans and leases to deposits | 92.8231% | 1,319 |
| Net loans and leases to core deposits | 105.4934% | 1,132 |
| Total domestic deposits to total assets | 87.2442% | 2,015 |
| Equity capital to assets | 11.3824% | 2,462 |
| Core capital (leverage) ratio | 11.6547% | 1,844 |
| Tier 1 risk-based capital ratio | 13.1708% | 4,188 |
| Total risk-based capital ratio | 14.4260% | 4,110 |
| Memoranda: | ||
| Average total assets | $725,138,600 | 957 |
| Average earning assets | $708,294,400 | 901 |
| Average equity | $76,796,200 | 989 |
| Average total loans | $598,125,600 | 780 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5643% | 1,425 |
| Cost of funding earning assets | 0.8196% | 441 |
| Net interest margin | 3.7447% | 2,588 |
| Noninterest income to average assets | 0.5573% | 3,006 |
| Noninterest expense to average assets | 2.6084% | 3,848 |
| Loan and lease loss provision to assets | 0.4390% | 256 |
| Net operating income to assets | 0.6926% | 3,933 |
| Return on assets (ROA) | 0.6926% | 4,043 |
| Pretax return on assets | 1.1673% | 2,942 |
| Return on Equity (ROE) | 6.6842% | 3,791 |
| Retained earnings to average equity (ytd only) | 6.6842% | 1,843 |
| Net charge-offs to loans | 0.0471% | 2,952 |
| Credit loss provision to net charge-offs | 1,129.7561% | 332 |
| Earnings coverage of net charge-offs (x) | 41.3360% | 1,212 |
| Efficiency ratio | 61.8889% | 4,590 |
| Assets per employee ($millions) | 8.3075% | 468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6502% | 1,607 |
| Loan loss allowance to noncurrent loans | 290.3420% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.4631% | 3,943 |
| Noncurrent loans to loans | 0.5684% | 3,632 |
| Net loans and leases to total assets | 80.1370% | 808 |
| Net loans and leases to deposits | 92.0139% | 1,404 |
| Net loans and leases to core deposits | 97.3235% | 1,758 |
| Total domestic deposits to total assets | 87.0923% | 1,989 |
| Equity capital to assets | 11.4645% | 2,532 |
| Core capital (leverage) ratio | 11.7302% | 1,869 |
| Tier 1 risk-based capital ratio | 13.5057% | 4,136 |
| Total risk-based capital ratio | 14.7604% | 4,063 |
| Memoranda: | ||
| Average total assets | $703,401,750 | 992 |
| Average earning assets | $687,002,000 | 938 |
| Average equity | $72,886,500 | 1,054 |
| Average total loans | $580,390,750 | 807 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5724% | 1,345 |
| Cost of funding earning assets | 0.8453% | 390 |
| Net interest margin | 3.7270% | 2,594 |
| Noninterest income to average assets | 0.5448% | 3,076 |
| Noninterest expense to average assets | 2.7116% | 3,559 |
| Loan and lease loss provision to assets | 0.3989% | 299 |
| Net operating income to assets | 0.6248% | 4,237 |
| Return on assets (ROA) | 0.6248% | 4,351 |
| Pretax return on assets | 1.0708% | 3,296 |
| Return on Equity (ROE) | 6.2904% | 3,992 |
| Retained earnings to average equity (ytd only) | 6.2904% | 2,068 |
| Net charge-offs to loans | 0.0733% | 2,344 |
| Credit loss provision to net charge-offs | 656.5854% | 511 |
| Earnings coverage of net charge-offs (x) | 24.1902% | 1,573 |
| Efficiency ratio | 64.8497% | 4,218 |
| Assets per employee ($millions) | 7.9741% | 526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5949% | 1,927 |
| Loan loss allowance to noncurrent loans | 2,114.4737% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.0635% | 5,611 |
| Noncurrent loans to loans | 0.0754% | 5,427 |
| Net loans and leases to total assets | 82.8929% | 485 |
| Net loans and leases to deposits | 96.7871% | 888 |
| Net loans and leases to core deposits | 102.2757% | 1,308 |
| Total domestic deposits to total assets | 85.6445% | 2,857 |
| Equity capital to assets | 12.0969% | 1,951 |
| Core capital (leverage) ratio | 12.3270% | 1,471 |
| Tier 1 risk-based capital ratio | 13.7397% | 4,072 |
| Total risk-based capital ratio | 14.9937% | 4,009 |
| Memoranda: | ||
| Average total assets | $674,799,000 | 1,034 |
| Average earning assets | $658,432,330 | 976 |
| Average equity | $67,022,330 | 1,147 |
| Average total loans | $559,500,670 | 842 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3629% | 1,892 |
| Cost of funding earning assets | 0.7987% | 505 |
| Net interest margin | 3.5642% | 3,152 |
| Noninterest income to average assets | 0.5804% | 2,768 |
| Noninterest expense to average assets | 2.6552% | 3,732 |
| Loan and lease loss provision to assets | 0.3618% | 347 |
| Net operating income to assets | 0.6128% | 4,230 |
| Return on assets (ROA) | 0.6128% | 4,318 |
| Pretax return on assets | 1.0383% | 3,352 |
| Return on Equity (ROE) | 7.0091% | 3,503 |
| Retained earnings to average equity (ytd only) | 7.0091% | 2,011 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4740% | 4,245 |
| Assets per employee ($millions) | 7.5584% | 660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6180% | 1,979 |
| Loan loss allowance to noncurrent loans | 3,071.6216% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.0435% | 5,766 |
| Noncurrent loans to loans | 0.0527% | 5,568 |
| Net loans and leases to total assets | 81.2680% | 542 |
| Net loans and leases to deposits | 94.1176% | 967 |
| Net loans and leases to core deposits | 99.4841% | 1,355 |
| Total domestic deposits to total assets | 86.3473% | 2,737 |
| Equity capital to assets | 8.5261% | 5,721 |
| Core capital (leverage) ratio | 9.1904% | 4,733 |
| Tier 1 risk-based capital ratio | 9.9405% | 6,185 |
| Total risk-based capital ratio | 11.1949% | 6,147 |
| Memoranda: | ||
| Average total assets | $653,363,000 | 1,061 |
| Average earning assets | $637,002,500 | 1,005 |
| Average equity | $57,125,500 | 1,335 |
| Average total loans | $536,981,000 | 874 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5128% | 1,817 |
| Cost of funding earning assets | 0.8481% | 513 |
| Net interest margin | 3.6647% | 3,150 |
| Noninterest income to average assets | 0.7039% | 2,286 |
| Noninterest expense to average assets | 2.4702% | 4,638 |
| Loan and lease loss provision to assets | 0.5090% | 297 |
| Net operating income to assets | 0.7571% | 3,589 |
| Return on assets (ROA) | 0.7551% | 3,706 |
| Pretax return on assets | 1.2938% | 2,261 |
| Return on Equity (ROE) | 8.9862% | 2,591 |
| Retained earnings to average equity (ytd only) | 7.2737% | 1,287 |
| Net charge-offs to loans | -0.0017% | 5,365 |
| Credit loss provision to net charge-offs | -39,214.2857% | 6,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7667% | 5,487 |
| Assets per employee ($millions) | 7.3703% | 699 |
| Cash dividends to net income (ytd only)* | 19.0570% | 3,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6602% | 1,893 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 80.3771% | 692 |
| Net loans and leases to deposits | 93.9237% | 1,079 |
| Net loans and leases to core deposits | 97.4076% | 1,601 |
| Total domestic deposits to total assets | 85.5770% | 3,042 |
| Equity capital to assets | 8.9792% | 5,315 |
| Core capital (leverage) ratio | 8.9550% | 5,058 |
| Tier 1 risk-based capital ratio | 9.9799% | 6,264 |
| Total risk-based capital ratio | 11.2339% | 6,210 |
| Memoranda: | ||
| Average total assets | $539,276,000 | 1,239 |
| Average earning assets | $525,659,800 | 1,157 |
| Average equity | $45,313,800 | 1,588 |
| Average total loans | $417,040,000 | 1,055 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4000% | 2,221 |
| Cost of funding earning assets | 0.8281% | 599 |
| Net interest margin | 3.5719% | 3,543 |
| Noninterest income to average assets | 0.7518% | 2,085 |
| Noninterest expense to average assets | 2.4178% | 4,768 |
| Loan and lease loss provision to assets | 0.4625% | 329 |
| Net operating income to assets | 0.7920% | 3,457 |
| Return on assets (ROA) | 0.7892% | 3,578 |
| Pretax return on assets | 1.3511% | 2,187 |
| Return on Equity (ROE) | 9.5913% | 2,408 |
| Retained earnings to average equity (ytd only) | 7.1614% | 1,733 |
| Net charge-offs to loans | -0.0024% | 5,198 |
| Credit loss provision to net charge-offs | -25,642.8571% | 6,092 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0803% | 5,550 |
| Assets per employee ($millions) | 7.1781% | 743 |
| Cash dividends to net income (ytd only)* | 25.3346% | 3,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6587% | 2,103 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 72.5205% | 1,759 |
| Net loans and leases to deposits | 80.2871% | 2,649 |
| Net loans and leases to core deposits | 84.4421% | 2,834 |
| Total domestic deposits to total assets | 90.3265% | 602 |
| Equity capital to assets | 8.0758% | 6,093 |
| Core capital (leverage) ratio | 8.5383% | 5,613 |
| Tier 1 risk-based capital ratio | 9.9056% | 6,366 |
| Total risk-based capital ratio | 11.1594% | 6,336 |
| Memoranda: | ||
| Average total assets | $517,476,750 | 1,313 |
| Average earning assets | $504,741,500 | 1,226 |
| Average equity | $42,579,250 | 1,700 |
| Average total loans | $393,289,500 | 1,120 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4547% | 1,977 |
| Cost of funding earning assets | 0.7901% | 756 |
| Net interest margin | 3.6645% | 3,093 |
| Noninterest income to average assets | 0.7679% | 1,970 |
| Noninterest expense to average assets | 2.4127% | 4,845 |
| Loan and lease loss provision to assets | 0.4771% | 317 |
| Net operating income to assets | 0.8554% | 3,045 |
| Return on assets (ROA) | 0.8509% | 3,169 |
| Pretax return on assets | 1.4420% | 1,746 |
| Return on Equity (ROE) | 10.2603% | 2,030 |
| Retained earnings to average equity (ytd only) | 6.3953% | 2,094 |
| Net charge-offs to loans | -0.0038% | 5,133 |
| Credit loss provision to net charge-offs | -16,500.0000% | 5,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6074% | 5,782 |
| Assets per employee ($millions) | 7.0424% | 784 |
| Cash dividends to net income (ytd only)* | 37.6699% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6274% | 2,367 |
| Loan loss allowance to noncurrent loans | 3,170.1835% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.1070% | 5,839 |
| Noncurrent loans to loans | 0.0513% | 5,892 |
| Net loans and leases to total assets | 79.0951% | 787 |
| Net loans and leases to deposits | 93.4798% | 1,010 |
| Net loans and leases to core deposits | 99.9938% | 1,283 |
| Total domestic deposits to total assets | 84.6120% | 3,681 |
| Equity capital to assets | 8.4827% | 5,813 |
| Core capital (leverage) ratio | 9.0676% | 4,912 |
| Tier 1 risk-based capital ratio | 9.7016% | 6,468 |
| Total risk-based capital ratio | 10.9550% | 6,449 |
| Memoranda: | ||
| Average total assets | $484,197,330 | 1,385 |
| Average earning assets | $471,821,000 | 1,303 |
| Average equity | $40,154,670 | 1,773 |
| Average total loans | $372,642,330 | 1,184 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4594% | 1,935 |
| Cost of funding earning assets | 0.7743% | 863 |
| Net interest margin | 3.6851% | 2,930 |
| Noninterest income to average assets | 0.8671% | 1,494 |
| Noninterest expense to average assets | 2.3418% | 5,090 |
| Loan and lease loss provision to assets | 0.6101% | 217 |
| Net operating income to assets | 0.8660% | 2,821 |
| Return on assets (ROA) | 0.8671% | 2,881 |
| Pretax return on assets | 1.5084% | 1,409 |
| Return on Equity (ROE) | 10.5948% | 1,825 |
| Retained earnings to average equity (ytd only) | 2.3896% | 4,641 |
| Net charge-offs to loans | -0.0081% | 4,963 |
| Credit loss provision to net charge-offs | -10,071.4286% | 5,645 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5233% | 6,107 |
| Assets per employee ($millions) | 7.9403% | 499 |
| Cash dividends to net income (ytd only)* | 77.4451% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8752% | 1,823 |
| Loan loss allowance to noncurrent loans | 2,761.1111% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.1200% | 5,890 |
| Noncurrent loans to loans | 0.0679% | 5,936 |
| Net loans and leases to total assets | 69.8025% | 1,931 |
| Net loans and leases to deposits | 78.3969% | 2,494 |
| Net loans and leases to core deposits | 85.3261% | 2,389 |
| Total domestic deposits to total assets | 89.0373% | 1,636 |
| Equity capital to assets | 8.9138% | 5,214 |
| Core capital (leverage) ratio | 9.6864% | 4,013 |
| Tier 1 risk-based capital ratio | 12.0184% | 5,634 |
| Total risk-based capital ratio | 13.2754% | 5,561 |
| Memoranda: | ||
| Average total assets | $462,207,000 | 1,458 |
| Average earning assets | $450,460,500 | 1,369 |
| Average equity | $37,830,000 | 1,862 |
| Average total loans | $346,626,500 | 1,267 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4050% | 2,571 |
| Cost of funding earning assets | 0.7926% | 1,253 |
| Net interest margin | 3.6124% | 3,409 |
| Noninterest income to average assets | 0.5957% | 3,118 |
| Noninterest expense to average assets | 2.4560% | 4,906 |
| Loan and lease loss provision to assets | 0.6480% | 370 |
| Net operating income to assets | 0.6985% | 3,801 |
| Return on assets (ROA) | 0.7155% | 3,805 |
| Pretax return on assets | 1.0189% | 3,274 |
| Return on Equity (ROE) | 8.0098% | 3,030 |
| Retained earnings to average equity (ytd only) | 6.8784% | 1,487 |
| Net charge-offs to loans | -0.0244% | 6,178 |
| Credit loss provision to net charge-offs | -3,796.8750% | 6,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9219% | 5,486 |
| Assets per employee ($millions) | 7.2140% | 684 |
| Cash dividends to net income (ytd only)* | 14.1260% | 3,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6487% | 2,575 |
| Loan loss allowance to noncurrent loans | 1,103.4549% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.1972% | 5,709 |
| Noncurrent loans to loans | 0.1494% | 5,750 |
| Net loans and leases to total assets | 77.9331% | 832 |
| Net loans and leases to deposits | 90.3224% | 1,207 |
| Net loans and leases to core deposits | 101.6715% | 1,049 |
| Total domestic deposits to total assets | 86.2832% | 3,120 |
| Equity capital to assets | 7.3821% | 6,336 |
| Core capital (leverage) ratio | 8.2200% | 5,954 |
| Tier 1 risk-based capital ratio | 9.1346% | 6,649 |
| Total risk-based capital ratio | 10.3890% | 6,633 |
| Memoranda: | ||
| Average total assets | $375,006,400 | 1,748 |
| Average earning assets | $363,633,800 | 1,657 |
| Average equity | $33,496,400 | 2,058 |
| Average total loans | $261,828,400 | 1,582 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3049% | 2,969 |
| Cost of funding earning assets | 0.8132% | 1,255 |
| Net interest margin | 3.4917% | 3,915 |
| Noninterest income to average assets | 0.6080% | 3,097 |
| Noninterest expense to average assets | 2.4247% | 4,942 |
| Loan and lease loss provision to assets | 0.7028% | 313 |
| Net operating income to assets | 0.5370% | 4,633 |
| Return on assets (ROA) | 0.5586% | 4,690 |
| Pretax return on assets | 0.8976% | 3,897 |
| Return on Equity (ROE) | 5.9378% | 4,220 |
| Retained earnings to average equity (ytd only) | 4.4405% | 3,513 |
| Net charge-offs to loans | -0.0355% | 6,206 |
| Credit loss provision to net charge-offs | -2,954.6875% | 6,311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7505% | 5,316 |
| Assets per employee ($millions) | 6.1688% | 1,124 |
| Cash dividends to net income (ytd only)* | 25.2162% | 2,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7032% | 2,610 |
| Loan loss allowance to noncurrent loans | 964.8148% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.2319% | 5,750 |
| Noncurrent loans to loans | 0.1765% | 5,799 |
| Net loans and leases to total assets | 78.6159% | 690 |
| Net loans and leases to deposits | 91.0955% | 1,054 |
| Net loans and leases to core deposits | 105.2083% | 807 |
| Total domestic deposits to total assets | 86.3005% | 3,078 |
| Equity capital to assets | 8.2899% | 5,926 |
| Core capital (leverage) ratio | 8.7327% | 5,490 |
| Tier 1 risk-based capital ratio | 10.2127% | 6,536 |
| Total risk-based capital ratio | 11.4673% | 6,502 |
| Memoranda: | ||
| Average total assets | $358,744,750 | 1,817 |
| Average earning assets | $347,592,000 | 1,737 |
| Average equity | $33,749,250 | 2,057 |
| Average total loans | $240,111,500 | 1,719 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0556% | 3,902 |
| Cost of funding earning assets | 0.8399% | 1,202 |
| Net interest margin | 3.2157% | 4,887 |
| Noninterest income to average assets | 0.7040% | 2,613 |
| Noninterest expense to average assets | 2.4387% | 4,934 |
| Loan and lease loss provision to assets | 0.4429% | 661 |
| Net operating income to assets | 0.5723% | 4,436 |
| Return on assets (ROA) | 0.5723% | 4,609 |
| Pretax return on assets | 0.9349% | 3,765 |
| Return on Equity (ROE) | 5.8321% | 4,265 |
| Retained earnings to average equity (ytd only) | 3.6305% | 4,000 |
| Net charge-offs to loans | -0.0458% | 6,232 |
| Credit loss provision to net charge-offs | -1,554.0000% | 6,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8984% | 4,881 |
| Assets per employee ($millions) | 5.8501% | 1,305 |
| Cash dividends to net income (ytd only)* | 37.7490% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6916% | 2,806 |
| Loan loss allowance to noncurrent loans | 288.2768% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.4861% | 5,049 |
| Noncurrent loans to loans | 0.5868% | 4,787 |
| Net loans and leases to total assets | 65.4045% | 2,696 |
| Net loans and leases to deposits | 74.3942% | 3,091 |
| Net loans and leases to core deposits | 85.3340% | 2,401 |
| Total domestic deposits to total assets | 87.9161% | 2,303 |
| Equity capital to assets | 8.8193% | 5,423 |
| Core capital (leverage) ratio | 9.0980% | 4,828 |
| Tier 1 risk-based capital ratio | 12.4411% | 5,540 |
| Total risk-based capital ratio | 13.6953% | 5,484 |
| Memoranda: | ||
| Average total assets | $350,837,670 | 1,859 |
| Average earning assets | $339,580,330 | 1,768 |
| Average equity | $34,430,330 | 2,020 |
| Average total loans | $218,185,670 | 1,871 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8884% | 4,517 |
| Cost of funding earning assets | 0.8752% | 1,115 |
| Net interest margin | 3.0132% | 5,530 |
| Noninterest income to average assets | 0.5265% | 3,595 |
| Noninterest expense to average assets | 2.3299% | 5,343 |
| Loan and lease loss provision to assets | 0.2088% | 1,779 |
| Net operating income to assets | 0.5358% | 4,516 |
| Return on assets (ROA) | 0.5358% | 4,659 |
| Pretax return on assets | 0.8988% | 3,768 |
| Return on Equity (ROE) | 5.1835% | 4,470 |
| Retained earnings to average equity (ytd only) | 4.8918% | 3,301 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7800% | 4,351 |
| Assets per employee ($millions) | 6.2364% | 1,119 |
| Cash dividends to net income (ytd only)* | 5.6277% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6211% | 3,310 |
| Loan loss allowance to noncurrent loans | 234.9521% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.5863% | 4,927 |
| Noncurrent loans to loans | 0.6900% | 4,746 |
| Net loans and leases to total assets | 58.6419% | 3,672 |
| Net loans and leases to deposits | 68.3041% | 3,740 |
| Net loans and leases to core deposits | 77.9528% | 3,069 |
| Total domestic deposits to total assets | 85.8541% | 3,609 |
| Equity capital to assets | 10.7488% | 3,264 |
| Core capital (leverage) ratio | 10.7193% | 2,530 |
| Tier 1 risk-based capital ratio | 16.0267% | 3,250 |
| Total risk-based capital ratio | 17.2794% | 3,208 |
| Memoranda: | ||
| Average total assets | $344,903,500 | 1,913 |
| Average earning assets | $333,196,500 | 1,819 |
| Average equity | $35,651,500 | 1,980 |
| Average total loans | $206,624,500 | 1,969 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1907% | 4,629 |
| Cost of funding earning assets | 1.0006% | 1,356 |
| Net interest margin | 3.1901% | 5,595 |
| Noninterest income to average assets | 0.5972% | 3,292 |
| Noninterest expense to average assets | 1.9495% | 6,420 |
| Loan and lease loss provision to assets | 0.3891% | 1,675 |
| Net operating income to assets | 0.8126% | 3,232 |
| Return on assets (ROA) | 0.9182% | 2,960 |
| Pretax return on assets | 1.5283% | 1,601 |
| Return on Equity (ROE) | 9.3244% | 2,474 |
| Retained earnings to average equity (ytd only) | 8.9510% | 840 |
| Net charge-offs to loans | 0.1220% | 4,460 |
| Credit loss provision to net charge-offs | 573.6842% | 429 |
| Earnings coverage of net charge-offs (x) | 25.8368% | 1,121 |
| Efficiency ratio | 52.6615% | 6,407 |
| Assets per employee ($millions) | 7.7752% | 562 |
| Cash dividends to net income (ytd only)* | 4.0047% | 4,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6165% | 3,232 |
| Loan loss allowance to noncurrent loans | 138.6286% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 0.7023% | 4,730 |
| Noncurrent loans to loans | 1.1661% | 3,907 |
| Net loans and leases to total assets | 59.2530% | 3,735 |
| Net loans and leases to deposits | 68.3472% | 3,931 |
| Net loans and leases to core deposits | 78.2416% | 3,225 |
| Total domestic deposits to total assets | 86.6941% | 2,997 |
| Equity capital to assets | 9.8985% | 4,315 |
| Core capital (leverage) ratio | 10.8223% | 2,414 |
| Tier 1 risk-based capital ratio | 14.3857% | 4,106 |
| Total risk-based capital ratio | 15.6387% | 4,058 |
| Memoranda: | ||
| Average total assets | $280,123,000 | 2,268 |
| Average earning assets | $272,627,400 | 2,142 |
| Average equity | $27,583,400 | 2,435 |
| Average total loans | $155,729,600 | 2,492 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0406% | 5,393 |
| Cost of funding earning assets | 1.0409% | 1,331 |
| Net interest margin | 2.9997% | 6,172 |
| Noninterest income to average assets | 0.1776% | 6,242 |
| Noninterest expense to average assets | 1.8836% | 6,550 |
| Loan and lease loss provision to assets | 0.1671% | 3,447 |
| Net operating income to assets | 0.6219% | 4,288 |
| Return on assets (ROA) | 0.6827% | 4,253 |
| Pretax return on assets | 1.1409% | 3,191 |
| Return on Equity (ROE) | 6.9448% | 3,850 |
| Retained earnings to average equity (ytd only) | 6.5531% | 2,359 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8302% | 5,344 |
| Assets per employee ($millions) | 7.3359% | 630 |
| Cash dividends to net income (ytd only)* | 5.6408% | 3,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5597% | 3,694 |
| Loan loss allowance to noncurrent loans | 175.1792% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.5365% | 5,337 |
| Noncurrent loans to loans | 0.8903% | 4,649 |
| Net loans and leases to total assets | 59.3212% | 3,904 |
| Net loans and leases to deposits | 67.7034% | 4,229 |
| Net loans and leases to core deposits | 78.1982% | 3,426 |
| Total domestic deposits to total assets | 87.6191% | 2,284 |
| Equity capital to assets | 9.4285% | 5,292 |
| Core capital (leverage) ratio | 9.4405% | 4,361 |
| Tier 1 risk-based capital ratio | 13.8961% | 4,612 |
| Total risk-based capital ratio | 15.1480% | 4,568 |
| Memoranda: | ||
| Average total assets | $266,570,250 | 2,405 |
| Average earning assets | $259,395,750 | 2,259 |
| Average equity | $26,205,750 | 2,566 |
| Average total loans | $144,322,500 | 2,691 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9620% | 5,751 |
| Cost of funding earning assets | 1.0545% | 1,441 |
| Net interest margin | 2.9075% | 6,417 |
| Noninterest income to average assets | 0.0431% | 6,883 |
| Noninterest expense to average assets | 1.8227% | 6,725 |
| Loan and lease loss provision to assets | 0.1569% | 3,553 |
| Net operating income to assets | 0.5227% | 4,709 |
| Return on assets (ROA) | 0.6152% | 4,557 |
| Pretax return on assets | 1.0305% | 3,595 |
| Return on Equity (ROE) | 6.1659% | 4,233 |
| Retained earnings to average equity (ytd only) | 5.7728% | 2,841 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6071% | 4,967 |
| Assets per employee ($millions) | 8.2244% | 428 |
| Cash dividends to net income (ytd only)* | 6.3750% | 3,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8499% | 2,703 |
| Loan loss allowance to noncurrent loans | 163.0975% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 0.5781% | 5,320 |
| Noncurrent loans to loans | 1.1342% | 4,257 |
| Net loans and leases to total assets | 50.0260% | 5,349 |
| Net loans and leases to deposits | 57.3780% | 5,517 |
| Net loans and leases to core deposits | 67.0388% | 4,891 |
| Total domestic deposits to total assets | 87.1867% | 2,661 |
| Equity capital to assets | 9.7172% | 4,736 |
| Core capital (leverage) ratio | 9.6954% | 3,844 |
| Tier 1 risk-based capital ratio | 16.6895% | 2,809 |
| Total risk-based capital ratio | 17.9448% | 2,763 |
| Memoranda: | ||
| Average total assets | $260,059,670 | 2,460 |
| Average earning assets | $252,446,670 | 2,334 |
| Average equity | $25,949,330 | 2,575 |
| Average total loans | $134,960,670 | 2,837 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9280% | 5,951 |
| Cost of funding earning assets | 1.0551% | 1,646 |
| Net interest margin | 2.8729% | 6,518 |
| Noninterest income to average assets | 0.0472% | 6,939 |
| Noninterest expense to average assets | 1.7831% | 6,813 |
| Loan and lease loss provision to assets | 0.2296% | 2,652 |
| Net operating income to assets | 0.4685% | 4,967 |
| Return on assets (ROA) | 0.6415% | 4,368 |
| Pretax return on assets | 1.1007% | 3,320 |
| Return on Equity (ROE) | 6.3409% | 4,122 |
| Retained earnings to average equity (ytd only) | 5.9369% | 2,992 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7212% | 5,148 |
| Assets per employee ($millions) | 8.6799% | 367 |
| Cash dividends to net income (ytd only)* | 6.3725% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8065% | 2,971 |
| Loan loss allowance to noncurrent loans | 160.4233% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 0.5987% | 5,393 |
| Noncurrent loans to loans | 1.1261% | 4,453 |
| Net loans and leases to total assets | 52.2049% | 4,990 |
| Net loans and leases to deposits | 60.2416% | 5,117 |
| Net loans and leases to core deposits | 70.4254% | 4,350 |
| Total domestic deposits to total assets | 86.6592% | 3,140 |
| Equity capital to assets | 9.9471% | 4,192 |
| Core capital (leverage) ratio | 10.2035% | 3,101 |
| Tier 1 risk-based capital ratio | 16.5406% | 2,889 |
| Total risk-based capital ratio | 17.7959% | 2,853 |
| Memoranda: | ||
| Average total assets | $254,387,000 | 2,525 |
| Average earning assets | $247,556,000 | 2,386 |
| Average equity | $25,737,500 | 2,597 |
| Average total loans | $133,275,000 | 2,881 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3242% | 5,681 |
| Cost of funding earning assets | 1.1553% | 2,317 |
| Net interest margin | 3.1689% | 6,170 |
| Noninterest income to average assets | 0.3609% | 4,933 |
| Noninterest expense to average assets | 1.9121% | 6,812 |
| Loan and lease loss provision to assets | 0.4100% | 2,540 |
| Net operating income to assets | 0.8585% | 2,774 |
| Return on assets (ROA) | 0.9283% | 2,609 |
| Pretax return on assets | 1.2258% | 2,366 |
| Return on Equity (ROE) | 9.4392% | 2,269 |
| Retained earnings to average equity (ytd only) | 8.9583% | 815 |
| Net charge-offs to loans | 0.4020% | 3,408 |
| Credit loss provision to net charge-offs | 207.1926% | 1,193 |
| Earnings coverage of net charge-offs (x) | 7.8028% | 2,255 |
| Efficiency ratio | 55.3268% | 6,387 |
| Assets per employee ($millions) | 8.5647% | 381 |
| Cash dividends to net income (ytd only)* | 5.0940% | 3,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8383% | 2,749 |
| Loan loss allowance to noncurrent loans | 144.1248% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.6579% | 5,340 |
| Noncurrent loans to loans | 1.2755% | 4,241 |
| Net loans and leases to total assets | 50.6303% | 5,511 |
| Net loans and leases to deposits | 59.2151% | 5,574 |
| Net loans and leases to core deposits | 68.8531% | 4,925 |
| Total domestic deposits to total assets | 85.5023% | 3,591 |
| Equity capital to assets | 10.2960% | 3,791 |
| Core capital (leverage) ratio | 10.6277% | 2,587 |
| Tier 1 risk-based capital ratio | 17.3392% | 2,451 |
| Total risk-based capital ratio | 18.5943% | 2,415 |
| Memoranda: | ||
| Average total assets | $217,818,000 | 2,862 |
| Average earning assets | $212,756,800 | 2,701 |
| Average equity | $21,421,400 | 2,959 |
| Average total loans | $107,203,400 | 3,444 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4222% | 5,534 |
| Cost of funding earning assets | 1.1799% | 2,450 |
| Net interest margin | 3.2422% | 6,040 |
| Noninterest income to average assets | 0.1605% | 6,444 |
| Noninterest expense to average assets | 1.9316% | 6,816 |
| Loan and lease loss provision to assets | 0.3825% | 2,565 |
| Net operating income to assets | 0.4377% | 4,829 |
| Return on assets (ROA) | 0.5189% | 4,645 |
| Pretax return on assets | 1.1387% | 2,862 |
| Return on Equity (ROE) | 5.3506% | 4,364 |
| Retained earnings to average equity (ytd only) | 4.8470% | 3,280 |
| Net charge-offs to loans | 0.3412% | 3,393 |
| Credit loss provision to net charge-offs | 231.0345% | 1,232 |
| Earnings coverage of net charge-offs (x) | 8.4215% | 2,181 |
| Efficiency ratio | 58.0774% | 5,998 |
| Assets per employee ($millions) | 8.9393% | 340 |
| Cash dividends to net income (ytd only)* | 9.4128% | 3,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0089% | 2,316 |
| Loan loss allowance to noncurrent loans | 1,307.0175% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.0736% | 6,873 |
| Noncurrent loans to loans | 0.1537% | 6,566 |
| Net loans and leases to total assets | 46.9061% | 6,061 |
| Net loans and leases to deposits | 54.2561% | 6,191 |
| Net loans and leases to core deposits | 63.1517% | 5,702 |
| Total domestic deposits to total assets | 86.4531% | 2,957 |
| Equity capital to assets | 10.6698% | 3,492 |
| Core capital (leverage) ratio | 10.8091% | 2,564 |
| Tier 1 risk-based capital ratio | 19.0426% | 1,920 |
| Total risk-based capital ratio | 20.2994% | 1,891 |
| Memoranda: | ||
| Average total assets | $210,178,250 | 2,956 |
| Average earning assets | $205,203,250 | 2,796 |
| Average equity | $20,383,500 | 3,090 |
| Average total loans | $101,977,000 | 3,599 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4102% | 5,651 |
| Cost of funding earning assets | 1.2000% | 2,587 |
| Net interest margin | 3.2102% | 6,127 |
| Noninterest income to average assets | 0.2170% | 6,116 |
| Noninterest expense to average assets | 1.9402% | 6,890 |
| Loan and lease loss provision to assets | 0.3748% | 2,548 |
| Net operating income to assets | 0.4065% | 4,913 |
| Return on assets (ROA) | 0.4961% | 4,662 |
| Pretax return on assets | 1.1767% | 2,569 |
| Return on Equity (ROE) | 5.3195% | 4,296 |
| Retained earnings to average equity (ytd only) | 4.7801% | 3,140 |
| Net charge-offs to loans | 0.5279% | 2,511 |
| Credit loss provision to net charge-offs | 145.5939% | 2,103 |
| Earnings coverage of net charge-offs (x) | 5.4828% | 2,605 |
| Efficiency ratio | 57.8870% | 6,180 |
| Assets per employee ($millions) | 8.6938% | 362 |
| Cash dividends to net income (ytd only)* | 10.1392% | 3,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8250% | 2,906 |
| Loan loss allowance to noncurrent loans | 1,176.6082% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.0820% | 6,893 |
| Noncurrent loans to loans | 0.1551% | 6,589 |
| Net loans and leases to total assets | 51.8730% | 5,585 |
| Net loans and leases to deposits | 60.0554% | 5,718 |
| Net loans and leases to core deposits | 70.1491% | 5,056 |
| Total domestic deposits to total assets | 86.3753% | 3,110 |
| Equity capital to assets | 11.4718% | 2,526 |
| Core capital (leverage) ratio | 11.5564% | 1,874 |
| Tier 1 risk-based capital ratio | 19.0806% | 1,817 |
| Total risk-based capital ratio | 20.3352% | 1,781 |
| Memoranda: | ||
| Average total assets | $202,763,670 | 3,065 |
| Average earning assets | $197,994,670 | 2,899 |
| Average equity | $18,911,670 | 3,276 |
| Average total loans | $98,884,330 | 3,717 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1814% | 6,323 |
| Cost of funding earning assets | 1.2126% | 2,729 |
| Net interest margin | 2.9688% | 6,641 |
| Noninterest income to average assets | 0.1461% | 6,678 |
| Noninterest expense to average assets | 1.9337% | 6,931 |
| Loan and lease loss provision to assets | 0.1902% | 3,726 |
| Net operating income to assets | 0.4664% | 4,640 |
| Return on assets (ROA) | 0.4664% | 4,722 |
| Pretax return on assets | 0.9188% | 3,430 |
| Return on Equity (ROE) | 5.6831% | 4,071 |
| Retained earnings to average equity (ytd only) | 5.0489% | 3,157 |
| Net charge-offs to loans | 1.1201% | 1,239 |
| Credit loss provision to net charge-offs | 36.3985% | 4,012 |
| Earnings coverage of net charge-offs (x) | 2.1226% | 3,237 |
| Efficiency ratio | 63.5526% | 5,436 |
| Assets per employee ($millions) | 7.9071% | 487 |
| Cash dividends to net income (ytd only)* | 11.1588% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8575% | 2,830 |
| Loan loss allowance to noncurrent loans | 1,009.9415% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.0865% | 6,948 |
| Noncurrent loans to loans | 0.1839% | 6,602 |
| Net loans and leases to total assets | 46.1591% | 6,271 |
| Net loans and leases to deposits | 51.6764% | 6,500 |
| Net loans and leases to core deposits | 60.3020% | 6,071 |
| Total domestic deposits to total assets | 89.3235% | 1,578 |
| Equity capital to assets | 8.3475% | 6,109 |
| Core capital (leverage) ratio | 8.6501% | 5,169 |
| Tier 1 risk-based capital ratio | 15.8290% | 2,983 |
| Total risk-based capital ratio | 17.0832% | 2,949 |
| Memoranda: | ||
| Average total assets | $199,820,500 | 3,115 |
| Average earning assets | $194,960,000 | 2,946 |
| Average equity | $16,399,500 | 3,651 |
| Average total loans | $93,204,000 | 3,897 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5967% | 6,122 |
| Cost of funding earning assets | 1.5685% | 2,248 |
| Net interest margin | 3.0282% | 6,684 |
| Noninterest income to average assets | 0.0721% | 7,021 |
| Noninterest expense to average assets | 2.3342% | 6,259 |
| Loan and lease loss provision to assets | 0.4534% | 3,403 |
| Net operating income to assets | 0.3749% | 4,660 |
| Return on assets (ROA) | 0.5802% | 3,915 |
| Pretax return on assets | 0.4141% | 4,903 |
| Return on Equity (ROE) | 6.2133% | 3,508 |
| Retained earnings to average equity (ytd only) | 4.8237% | 2,525 |
| Net charge-offs to loans | 0.5324% | 3,487 |
| Credit loss provision to net charge-offs | 165.8228% | 2,065 |
| Earnings coverage of net charge-offs (x) | 2.4219% | 3,919 |
| Efficiency ratio | 77.9018% | 2,721 |
| Assets per employee ($millions) | 8.7810% | 369 |
| Cash dividends to net income (ytd only)* | 22.3658% | 3,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0260% | 2,235 |
| Loan loss allowance to noncurrent loans | 98.3888% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 0.9526% | 5,108 |
| Noncurrent loans to loans | 2.0592% | 3,473 |
| Net loans and leases to total assets | 45.3259% | 6,611 |
| Net loans and leases to deposits | 52.6100% | 6,704 |
| Net loans and leases to core deposits | 61.3207% | 6,293 |
| Total domestic deposits to total assets | 86.1545% | 3,276 |
| Equity capital to assets | 8.0698% | 6,416 |
| Core capital (leverage) ratio | 8.7250% | 4,975 |
| Tier 1 risk-based capital ratio | 15.5579% | 2,972 |
| Total risk-based capital ratio | 16.8146% | 2,932 |
| Memoranda: | ||
| Average total assets | $173,375,200 | 3,476 |
| Average earning assets | $167,424,200 | 3,332 |
| Average equity | $16,191,000 | 3,720 |
| Average total loans | $89,026,800 | 4,075 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8193% | 5,580 |
| Cost of funding earning assets | 1.6517% | 2,095 |
| Net interest margin | 3.1676% | 6,435 |
| Noninterest income to average assets | 0.0594% | 7,230 |
| Noninterest expense to average assets | 2.4327% | 5,933 |
| Loan and lease loss provision to assets | 0.5262% | 2,830 |
| Net operating income to assets | 0.1524% | 5,634 |
| Return on assets (ROA) | 0.4043% | 4,907 |
| Pretax return on assets | 0.4043% | 5,205 |
| Return on Equity (ROE) | 4.1572% | 4,700 |
| Retained earnings to average equity (ytd only) | 2.4250% | 4,725 |
| Net charge-offs to loans | 0.7188% | 2,625 |
| Credit loss provision to net charge-offs | 138.3966% | 2,884 |
| Earnings coverage of net charge-offs (x) | 1.7848% | 4,377 |
| Efficiency ratio | 78.1903% | 2,598 |
| Assets per employee ($millions) | 7.6393% | 586 |
| Cash dividends to net income (ytd only)* | 41.6664% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0076% | 2,198 |
| Loan loss allowance to noncurrent loans | 78.4951% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 2.4206% | 2,955 |
| Noncurrent loans to loans | 2.5576% | 3,064 |
| Net loans and leases to total assets | 46.9364% | 6,620 |
| Net loans and leases to deposits | 54.1407% | 6,762 |
| Net loans and leases to core deposits | 62.9301% | 6,382 |
| Total domestic deposits to total assets | 86.6933% | 2,698 |
| Equity capital to assets | 9.0475% | 5,512 |
| Core capital (leverage) ratio | 9.1790% | 4,405 |
| Tier 1 risk-based capital ratio | 15.9253% | 2,798 |
| Total risk-based capital ratio | 17.1817% | 2,741 |
| Memoranda: | ||
| Average total assets | $166,228,000 | 3,651 |
| Average earning assets | $160,157,250 | 3,495 |
| Average equity | $16,164,250 | 3,777 |
| Average total loans | $87,924,750 | 4,173 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0464% | 4,721 |
| Cost of funding earning assets | 1.7236% | 1,996 |
| Net interest margin | 3.3229% | 5,931 |
| Noninterest income to average assets | 0.0673% | 7,244 |
| Noninterest expense to average assets | 2.4956% | 5,732 |
| Loan and lease loss provision to assets | 0.4298% | 3,172 |
| Net operating income to assets | 0.3414% | 5,011 |
| Return on assets (ROA) | 0.5133% | 4,419 |
| Pretax return on assets | 0.5133% | 4,866 |
| Return on Equity (ROE) | 5.1426% | 4,215 |
| Retained earnings to average equity (ytd only) | 3.6947% | 3,750 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3921% | 3,002 |
| Assets per employee ($millions) | 7.1824% | 705 |
| Cash dividends to net income (ytd only)* | 28.1553% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1870% | 1,791 |
| Loan loss allowance to noncurrent loans | 38.9563% | 5,747 |
| Noncurrent assets plus other real estate owned to assets | 2.8681% | 2,513 |
| Noncurrent loans to loans | 5.6139% | 1,170 |
| Net loans and leases to total assets | 49.9722% | 6,437 |
| Net loans and leases to deposits | 58.1162% | 6,567 |
| Net loans and leases to core deposits | 69.1024% | 5,961 |
| Total domestic deposits to total assets | 85.9866% | 3,100 |
| Equity capital to assets | 9.5598% | 4,617 |
| Core capital (leverage) ratio | 9.6470% | 3,614 |
| Tier 1 risk-based capital ratio | 16.3925% | 2,520 |
| Total risk-based capital ratio | 17.6512% | 2,460 |
| Memoranda: | ||
| Average total assets | $160,522,670 | 3,779 |
| Average earning assets | $154,564,670 | 3,625 |
| Average equity | $16,023,000 | 3,796 |
| Average total loans | $87,960,330 | 4,198 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3023% | 3,541 |
| Cost of funding earning assets | 1.7468% | 2,143 |
| Net interest margin | 3.5555% | 4,922 |
| Noninterest income to average assets | 0.0854% | 7,277 |
| Noninterest expense to average assets | 2.5253% | 5,633 |
| Loan and lease loss provision to assets | 0.6080% | 2,096 |
| Net operating income to assets | 0.3700% | 4,973 |
| Return on assets (ROA) | 0.5304% | 4,367 |
| Pretax return on assets | 0.5304% | 4,852 |
| Return on Equity (ROE) | 5.1915% | 4,264 |
| Retained earnings to average equity (ytd only) | 3.9000% | 3,800 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0827% | 3,915 |
| Assets per employee ($millions) | 7.0150% | 807 |
| Cash dividends to net income (ytd only)* | 24.8780% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9965% | 2,199 |
| Loan loss allowance to noncurrent loans | 35.6568% | 5,999 |
| Noncurrent assets plus other real estate owned to assets | 3.1566% | 2,275 |
| Noncurrent loans to loans | 5.5993% | 1,239 |
| Net loans and leases to total assets | 55.2487% | 5,853 |
| Net loans and leases to deposits | 64.6516% | 5,983 |
| Net loans and leases to core deposits | 78.4941% | 4,964 |
| Total domestic deposits to total assets | 85.4560% | 3,436 |
| Equity capital to assets | 9.9290% | 3,948 |
| Core capital (leverage) ratio | 10.2794% | 2,830 |
| Tier 1 risk-based capital ratio | 16.3150% | 2,521 |
| Total risk-based capital ratio | 17.5729% | 2,481 |
| Memoranda: | ||
| Average total assets | $154,595,000 | 3,935 |
| Average earning assets | $148,614,000 | 3,785 |
| Average equity | $15,795,000 | 3,869 |
| Average total loans | $87,907,000 | 4,262 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4617% | 4,378 |
| Cost of funding earning assets | 2.1366% | 2,298 |
| Net interest margin | 3.3251% | 5,638 |
| Noninterest income to average assets | -0.0998% | 7,803 |
| Noninterest expense to average assets | 3.0420% | 3,984 |
| Loan and lease loss provision to assets | 0.7064% | 2,998 |
| Net operating income to assets | -0.7108% | 6,377 |
| Return on assets (ROA) | -0.7108% | 6,373 |
| Pretax return on assets | -0.7108% | 6,203 |
| Return on Equity (ROE) | -5.9640% | 6,299 |
| Retained earnings to average equity (ytd only) | -6.6382% | 6,209 |
| Net charge-offs to loans | 0.1498% | 5,753 |
| Credit loss provision to net charge-offs | 683.7607% | 426 |
| Earnings coverage of net charge-offs (x) | -0.0427% | 6,265 |
| Efficiency ratio | 100.1453% | 1,093 |
| Assets per employee ($millions) | 6.4280% | 1,019 |
| Cash dividends to net income (ytd only)* | -11.3043% | 7,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8631% | 2,366 |
| Loan loss allowance to noncurrent loans | 45.6014% | 5,358 |
| Noncurrent assets plus other real estate owned to assets | 3.0403% | 2,296 |
| Noncurrent loans to loans | 4.0857% | 1,805 |
| Net loans and leases to total assets | 56.3266% | 5,906 |
| Net loans and leases to deposits | 66.6379% | 5,984 |
| Net loans and leases to core deposits | 111.8264% | 2,713 |
| Total domestic deposits to total assets | 84.5264% | 3,786 |
| Equity capital to assets | 10.5313% | 3,146 |
| Core capital (leverage) ratio | 11.6856% | 1,821 |
| Tier 1 risk-based capital ratio | 16.0053% | 2,521 |
| Total risk-based capital ratio | 17.2603% | 2,453 |
| Memoranda: | ||
| Average total assets | $113,249,200 | 4,751 |
| Average earning assets | $106,852,400 | 4,657 |
| Average equity | $13,497,600 | 4,386 |
| Average total loans | $78,103,200 | 4,581 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4750% | 4,547 |
| Cost of funding earning assets | 2.2244% | 2,292 |
| Net interest margin | 3.2506% | 5,829 |
| Noninterest income to average assets | -0.2001% | 7,980 |
| Noninterest expense to average assets | 3.1701% | 3,401 |
| Loan and lease loss provision to assets | 0.9713% | 1,979 |
| Net operating income to assets | -1.2849% | 7,006 |
| Return on assets (ROA) | -1.2849% | 7,008 |
| Pretax return on assets | -1.2849% | 6,854 |
| Return on Equity (ROE) | -10.3546% | 6,921 |
| Retained earnings to average equity (ytd only) | -10.9812% | 6,884 |
| Net charge-offs to loans | 0.2076% | 4,742 |
| Credit loss provision to net charge-offs | 640.3361% | 585 |
| Earnings coverage of net charge-offs (x) | -2.0673% | 6,750 |
| Efficiency ratio | 110.9772% | 752 |
| Assets per employee ($millions) | 6.0463% | 1,192 |
| Cash dividends to net income (ytd only)* | -6.0515% | 7,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7847% | 2,326 |
| Loan loss allowance to noncurrent loans | 46.4717% | 5,219 |
| Noncurrent assets plus other real estate owned to assets | 3.2657% | 2,073 |
| Noncurrent loans to loans | 3.8404% | 1,936 |
| Net loans and leases to total assets | 63.7545% | 4,914 |
| Net loans and leases to deposits | 75.2825% | 5,163 |
| Net loans and leases to core deposits | 108.8472% | 3,364 |
| Total domestic deposits to total assets | 84.6870% | 3,381 |
| Equity capital to assets | 9.7318% | 4,449 |
| Core capital (leverage) ratio | 11.2708% | 2,206 |
| Tier 1 risk-based capital ratio | 12.7021% | 4,392 |
| Total risk-based capital ratio | 13.9559% | 4,340 |
| Memoranda: | ||
| Average total assets | $104,600,250 | 5,002 |
| Average earning assets | $98,360,000 | 4,911 |
| Average equity | $12,979,500 | 4,544 |
| Average total loans | $76,414,750 | 4,679 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6466% | 3,836 |
| Cost of funding earning assets | 2.3672% | 2,092 |
| Net interest margin | 3.2794% | 5,629 |
| Noninterest income to average assets | 0.0547% | 7,718 |
| Noninterest expense to average assets | 3.4921% | 2,358 |
| Loan and lease loss provision to assets | 0.2250% | 4,779 |
| Net operating income to assets | -0.6013% | 6,660 |
| Return on assets (ROA) | -0.6013% | 6,666 |
| Pretax return on assets | -0.6013% | 6,524 |
| Return on Equity (ROE) | -4.4030% | 6,536 |
| Retained earnings to average equity (ytd only) | -4.8803% | 6,282 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.0783% | 792 |
| Assets per employee ($millions) | 4.9080% | 2,184 |
| Cash dividends to net income (ytd only)* | -10.8392% | 7,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3092% | 4,216 |
| Loan loss allowance to noncurrent loans | 113.1757% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 2.0530% | 3,127 |
| Noncurrent loans to loans | 1.1568% | 4,901 |
| Net loans and leases to total assets | 73.5046% | 2,838 |
| Net loans and leases to deposits | 92.0925% | 2,459 |
| Net loans and leases to core deposits | 120.9763% | 2,279 |
| Total domestic deposits to total assets | 79.8160% | 5,534 |
| Equity capital to assets | 13.0963% | 1,656 |
| Core capital (leverage) ratio | 14.1358% | 1,107 |
| Tier 1 risk-based capital ratio | 15.6934% | 2,733 |
| Total risk-based capital ratio | 16.8727% | 2,691 |
| Memoranda: | ||
| Average total assets | $95,127,670 | 5,307 |
| Average earning assets | $88,797,000 | 5,237 |
| Average equity | $12,991,000 | 4,542 |
| Average total loans | $73,104,330 | 4,836 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6316% | 4,166 |
| Cost of funding earning assets | 2.5024% | 1,912 |
| Net interest margin | 3.1292% | 6,106 |
| Noninterest income to average assets | 0.0570% | 7,793 |
| Noninterest expense to average assets | 3.4621% | 2,196 |
| Loan and lease loss provision to assets | 0.0790% | 5,964 |
| Net operating income to assets | -0.5704% | 6,944 |
| Return on assets (ROA) | -0.5704% | 6,988 |
| Pretax return on assets | -0.5704% | 6,881 |
| Return on Equity (ROE) | -4.0824% | 6,897 |
| Retained earnings to average equity (ytd only) | -4.0824% | 6,434 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.5436% | 684 |
| Assets per employee ($millions) | 4.0668% | 3,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2706% | 4,271 |
| Loan loss allowance to noncurrent loans | 153.9496% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 1.9490% | 2,985 |
| Noncurrent loans to loans | 0.8253% | 5,382 |
| Net loans and leases to total assets | 76.0929% | 2,248 |
| Net loans and leases to deposits | 98.2022% | 1,633 |
| Net loans and leases to core deposits | 139.3293% | 1,138 |
| Total domestic deposits to total assets | 77.4859% | 6,151 |
| Equity capital to assets | 14.7268% | 1,175 |
| Core capital (leverage) ratio | 15.4389% | 879 |
| Tier 1 risk-based capital ratio | 16.6768% | 2,455 |
| Total risk-based capital ratio | 17.8057% | 2,423 |
| Memoranda: | ||
| Average total assets | $91,158,000 | 5,447 |
| Average earning assets | $84,877,500 | 5,398 |
| Average equity | $12,737,500 | 4,646 |
| Average total loans | $71,274,500 | 4,933 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2418% | 4,287 |
| Cost of funding earning assets | 2.9864% | 1,918 |
| Net interest margin | 3.2554% | 6,195 |
| Noninterest income to average assets | 0.0549% | 7,870 |
| Noninterest expense to average assets | 3.4216% | 2,605 |
| Loan and lease loss provision to assets | 0.2547% | 4,372 |
| Net operating income to assets | -0.5117% | 6,930 |
| Return on assets (ROA) | -0.4895% | 6,793 |
| Pretax return on assets | -0.4895% | 6,646 |
| Return on Equity (ROE) | -3.6308% | 6,698 |
| Retained earnings to average equity (ytd only) | -3.6308% | 6,248 |
| Net charge-offs to loans | 0.0618% | 5,895 |
| Credit loss provision to net charge-offs | 519.0476% | 840 |
| Earnings coverage of net charge-offs (x) | -5.2381% | 6,839 |
| Efficiency ratio | 108.1211% | 755 |
| Assets per employee ($millions) | 5.5487% | 1,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2745% | 3,962 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3832% | 3,423 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 78.3519% | 2,038 |
| Net loans and leases to deposits | 99.7762% | 1,852 |
| Net loans and leases to core deposits | 146.7201% | 987 |
| Total domestic deposits to total assets | 78.5276% | 5,536 |
| Equity capital to assets | 13.1788% | 1,719 |
| Core capital (leverage) ratio | 13.0332% | 1,530 |
| Tier 1 risk-based capital ratio | 15.4538% | 2,861 |
| Total risk-based capital ratio | 16.6704% | 2,807 |
| Memoranda: | ||
| Average total assets | $85,603,600 | 5,497 |
| Average earning assets | $81,771,200 | 5,381 |
| Average equity | $11,540,000 | 4,956 |
| Average total loans | $67,972,800 | 4,946 |