Home > Oxford Bank & Trust > Performance and Condition Ratios
Oxford Bank & Trust, Performance and Condition Ratios
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5187% | 2,771 |
| Cost of funding earning assets | 0.2988% | 2,603 |
| Net interest margin | 3.2198% | 2,672 |
| Noninterest income to average assets | 0.1675% | 4,363 |
| Noninterest expense to average assets | 2.3003% | 2,754 |
| Loan and lease loss provision to assets | 0.0268% | 2,463 |
| Net operating income to assets | 0.9615% | 3,041 |
| Return on assets (ROA) | 1.2463% | 2,066 |
| Pretax return on assets | 1.2500% | 2,771 |
| Return on Equity (ROE) | 13.3410% | 1,601 |
| Retained earnings to average equity (ytd only) | -0.6939% | 4,634 |
| Net charge-offs to loans | 0.0101% | 1,941 |
| Credit loss provision to net charge-offs | 483.8710% | 771 |
| Earnings coverage of net charge-offs (x) | 179.1935% | 602 |
| Efficiency ratio | 69.8687% | 1,616 |
| Assets per employee ($millions) | 6.7564% | 2,049 |
| Cash dividends to net income (ytd only)* | 105.2013% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3019% | 2,472 |
| Loan loss allowance to noncurrent loans | 182.4837% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 1.0028% | 657 |
| Noncurrent loans to loans | 0.7134% | 1,560 |
| Net loans and leases to total assets | 54.4116% | 2,925 |
| Net loans and leases to deposits | 61.3643% | 3,105 |
| Net loans and leases to core deposits | 64.0039% | 3,138 |
| Total domestic deposits to total assets | 88.6698% | 1,476 |
| Equity capital to assets | 9.0783% | 3,760 |
| Core capital (leverage) ratio | 8.9547% | 3,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $746,624,500 | 1,243 |
| Average earning assets | $724,577,000 | 1,198 |
| Average equity | $69,748,250 | 1,366 |
| Average total loans | $407,900,000 | 1,381 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6168% | 2,567 |
| Cost of funding earning assets | 0.3151% | 2,641 |
| Net interest margin | 3.3017% | 2,430 |
| Noninterest income to average assets | 0.1677% | 4,365 |
| Noninterest expense to average assets | 2.2716% | 2,848 |
| Loan and lease loss provision to assets | 0.0401% | 2,202 |
| Net operating income to assets | 1.0533% | 2,704 |
| Return on assets (ROA) | 1.3272% | 1,849 |
| Pretax return on assets | 1.3328% | 2,546 |
| Return on Equity (ROE) | 14.0751% | 1,390 |
| Retained earnings to average equity (ytd only) | -3.9230% | 4,754 |
| Net charge-offs to loans | 0.0059% | 1,934 |
| Credit loss provision to net charge-offs | 1,250.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 342.4167% | 341 |
| Efficiency ratio | 67.3941% | 1,950 |
| Assets per employee ($millions) | 6.7851% | 1,959 |
| Cash dividends to net income (ytd only)* | 127.8718% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2977% | 2,448 |
| Loan loss allowance to noncurrent loans | 170.5320% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 1.0183% | 731 |
| Noncurrent loans to loans | 0.7610% | 1,582 |
| Net loans and leases to total assets | 54.0578% | 3,126 |
| Net loans and leases to deposits | 60.8354% | 3,314 |
| Net loans and leases to core deposits | 63.4462% | 3,340 |
| Total domestic deposits to total assets | 88.8591% | 1,353 |
| Equity capital to assets | 8.9307% | 3,856 |
| Core capital (leverage) ratio | 8.8529% | 3,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $747,766,000 | 1,231 |
| Average earning assets | $725,391,667 | 1,189 |
| Average equity | $70,507,667 | 1,352 |
| Average total loans | $407,293,000 | 1,390 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8112% | 2,072 |
| Cost of funding earning assets | 0.3511% | 2,507 |
| Net interest margin | 3.4601% | 1,936 |
| Noninterest income to average assets | 0.1627% | 4,386 |
| Noninterest expense to average assets | 2.3085% | 2,759 |
| Loan and lease loss provision to assets | 0.0805% | 1,609 |
| Net operating income to assets | 1.1209% | 2,413 |
| Return on assets (ROA) | 1.3266% | 1,828 |
| Pretax return on assets | 1.3357% | 2,473 |
| Return on Equity (ROE) | 13.7028% | 1,490 |
| Retained earnings to average equity (ytd only) | 11.1963% | 1,351 |
| Net charge-offs to loans | 0.0642% | 889 |
| Credit loss provision to net charge-offs | 230.7692% | 842 |
| Earnings coverage of net charge-offs (x) | 34.6308% | 1,036 |
| Efficiency ratio | 65.6388% | 2,283 |
| Assets per employee ($millions) | 6.9032% | 1,861 |
| Cash dividends to net income (ytd only)* | 18.2922% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3111% | 2,391 |
| Loan loss allowance to noncurrent loans | 145.0862% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 1.0776% | 748 |
| Noncurrent loans to loans | 0.9036% | 1,496 |
| Net loans and leases to total assets | 52.5384% | 3,392 |
| Net loans and leases to deposits | 59.7513% | 3,507 |
| Net loans and leases to core deposits | 62.2128% | 3,562 |
| Total domestic deposits to total assets | 87.9284% | 1,883 |
| Equity capital to assets | 9.3451% | 3,340 |
| Core capital (leverage) ratio | 9.3889% | 3,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $745,078,000 | 1,222 |
| Average earning assets | $722,286,000 | 1,179 |
| Average equity | $72,131,000 | 1,316 |
| Average total loans | $404,697,000 | 1,398 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3306% | 1,773 |
| Cost of funding earning assets | 0.5993% | 2,317 |
| Net interest margin | 3.7313% | 1,697 |
| Noninterest income to average assets | 0.2185% | 4,187 |
| Noninterest expense to average assets | 2.4891% | 2,886 |
| Loan and lease loss provision to assets | 0.1526% | 2,464 |
| Net operating income to assets | 1.1742% | 1,638 |
| Return on assets (ROA) | 1.8169% | 404 |
| Pretax return on assets | 1.8181% | 662 |
| Return on Equity (ROE) | 18.1835% | 323 |
| Retained earnings to average equity (ytd only) | 15.1284% | 155 |
| Net charge-offs to loans | 0.0161% | 2,778 |
| Credit loss provision to net charge-offs | 1,544.7761% | 538 |
| Earnings coverage of net charge-offs (x) | 134.4627% | 631 |
| Efficiency ratio | 65.2095% | 2,648 |
| Assets per employee ($millions) | 6.5838% | 1,861 |
| Cash dividends to net income (ytd only)* | 16.8019% | 3,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2872% | 2,475 |
| Loan loss allowance to noncurrent loans | 125.7536% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 1.1912% | 731 |
| Noncurrent loans to loans | 1.0236% | 1,391 |
| Net loans and leases to total assets | 54.7244% | 3,418 |
| Net loans and leases to deposits | 62.8961% | 3,530 |
| Net loans and leases to core deposits | 65.8754% | 3,551 |
| Total domestic deposits to total assets | 87.0076% | 1,945 |
| Equity capital to assets | 10.0300% | 3,104 |
| Core capital (leverage) ratio | 9.3352% | 3,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $678,400,200 | 1,205 |
| Average earning assets | $654,277,000 | 1,174 |
| Average equity | $67,786,600 | 1,327 |
| Average total loans | $415,025,400 | 1,311 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3668% | 1,942 |
| Cost of funding earning assets | 0.6431% | 2,367 |
| Net interest margin | 3.7237% | 1,864 |
| Noninterest income to average assets | 0.2475% | 3,994 |
| Noninterest expense to average assets | 2.4884% | 2,882 |
| Loan and lease loss provision to assets | 0.1473% | 2,547 |
| Net operating income to assets | 1.1978% | 1,640 |
| Return on assets (ROA) | 2.0734% | 278 |
| Pretax return on assets | 2.0750% | 444 |
| Return on Equity (ROE) | 20.7720% | 212 |
| Retained earnings to average equity (ytd only) | 16.8589% | 128 |
| Net charge-offs to loans | 0.0236% | 2,369 |
| Credit loss provision to net charge-offs | 993.2432% | 827 |
| Earnings coverage of net charge-offs (x) | 90.8108% | 844 |
| Efficiency ratio | 64.8848% | 2,613 |
| Assets per employee ($millions) | 6.4069% | 1,904 |
| Cash dividends to net income (ytd only)* | 18.8382% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1422% | 2,967 |
| Loan loss allowance to noncurrent loans | 123.4406% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 1.2386% | 792 |
| Noncurrent loans to loans | 0.9253% | 1,613 |
| Net loans and leases to total assets | 59.1979% | 3,305 |
| Net loans and leases to deposits | 68.7014% | 3,412 |
| Net loans and leases to core deposits | 71.9101% | 3,481 |
| Total domestic deposits to total assets | 86.1669% | 1,994 |
| Equity capital to assets | 9.9154% | 3,305 |
| Core capital (leverage) ratio | 9.5612% | 3,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $665,298,750 | 1,209 |
| Average earning assets | $640,997,500 | 1,174 |
| Average equity | $66,408,250 | 1,338 |
| Average total loans | $417,495,750 | 1,299 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4902% | 1,945 |
| Cost of funding earning assets | 0.6925% | 2,432 |
| Net interest margin | 3.7977% | 1,841 |
| Noninterest income to average assets | 0.2936% | 3,712 |
| Noninterest expense to average assets | 2.5789% | 2,735 |
| Loan and lease loss provision to assets | 0.1343% | 2,666 |
| Net operating income to assets | 1.2311% | 1,543 |
| Return on assets (ROA) | 2.5801% | 136 |
| Pretax return on assets | 2.5826% | 186 |
| Return on Equity (ROE) | 25.7854% | 101 |
| Retained earnings to average equity (ytd only) | 21.7686% | 72 |
| Net charge-offs to loans | 0.0329% | 2,072 |
| Credit loss provision to net charge-offs | 639.7059% | 1,061 |
| Earnings coverage of net charge-offs (x) | 65.1618% | 917 |
| Efficiency ratio | 65.3422% | 2,613 |
| Assets per employee ($millions) | 6.3457% | 1,910 |
| Cash dividends to net income (ytd only)* | 15.5779% | 2,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0807% | 3,172 |
| Loan loss allowance to noncurrent loans | 158.8296% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 1.1327% | 995 |
| Noncurrent loans to loans | 0.6804% | 2,171 |
| Net loans and leases to total assets | 61.0602% | 3,208 |
| Net loans and leases to deposits | 71.0809% | 3,342 |
| Net loans and leases to core deposits | 74.2851% | 3,439 |
| Total domestic deposits to total assets | 85.9025% | 2,057 |
| Equity capital to assets | 10.0702% | 3,142 |
| Core capital (leverage) ratio | 9.6604% | 3,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $647,872,333 | 1,215 |
| Average earning assets | $623,225,000 | 1,183 |
| Average equity | $64,827,333 | 1,351 |
| Average total loans | $413,428,000 | 1,294 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6526% | 1,845 |
| Cost of funding earning assets | 0.7282% | 2,789 |
| Net interest margin | 3.9244% | 1,596 |
| Noninterest income to average assets | 0.4505% | 2,786 |
| Noninterest expense to average assets | 2.7132% | 2,677 |
| Loan and lease loss provision to assets | 0.1150% | 2,243 |
| Net operating income to assets | 1.4001% | 978 |
| Return on assets (ROA) | 1.4173% | 1,018 |
| Pretax return on assets | 1.4173% | 1,510 |
| Return on Equity (ROE) | 14.2148% | 657 |
| Retained earnings to average equity (ytd only) | 11.2667% | 532 |
| Net charge-offs to loans | 0.0757% | 1,263 |
| Credit loss provision to net charge-offs | 233.7662% | 1,331 |
| Earnings coverage of net charge-offs (x) | 30.7922% | 1,164 |
| Efficiency ratio | 64.1681% | 3,211 |
| Assets per employee ($millions) | 5.7411% | 1,900 |
| Cash dividends to net income (ytd only)* | 20.7394% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0641% | 3,381 |
| Loan loss allowance to noncurrent loans | 165.6512% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 1.2232% | 998 |
| Noncurrent loans to loans | 0.6424% | 2,386 |
| Net loans and leases to total assets | 63.4677% | 3,127 |
| Net loans and leases to deposits | 72.6493% | 3,391 |
| Net loans and leases to core deposits | 76.3172% | 3,475 |
| Total domestic deposits to total assets | 87.3617% | 1,396 |
| Equity capital to assets | 9.9770% | 3,809 |
| Core capital (leverage) ratio | 9.6737% | 3,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $625,968,000 | 1,222 |
| Average earning assets | $602,590,000 | 1,179 |
| Average equity | $62,414,000 | 1,382 |
| Average total loans | $406,664,000 | 1,281 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7759% | 2,117 |
| Cost of funding earning assets | 0.7042% | 3,143 |
| Net interest margin | 4.0717% | 1,615 |
| Noninterest income to average assets | 0.2566% | 4,146 |
| Noninterest expense to average assets | 2.9734% | 2,083 |
| Loan and lease loss provision to assets | 0.0325% | 3,361 |
| Net operating income to assets | 1.1639% | 2,202 |
| Return on assets (ROA) | 1.2328% | 2,026 |
| Pretax return on assets | 1.2346% | 2,723 |
| Return on Equity (ROE) | 12.6239% | 1,290 |
| Retained earnings to average equity (ytd only) | 10.1682% | 461 |
| Net charge-offs to loans | -0.0422% | 4,791 |
| Credit loss provision to net charge-offs | -115.8537% | 4,232 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2744% | 1,978 |
| Assets per employee ($millions) | 5.3919% | 2,159 |
| Cash dividends to net income (ytd only)* | 19.4529% | 3,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0499% | 3,215 |
| Loan loss allowance to noncurrent loans | 134.9968% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 1.2877% | 866 |
| Noncurrent loans to loans | 0.7777% | 1,956 |
| Net loans and leases to total assets | 65.1200% | 3,056 |
| Net loans and leases to deposits | 76.8292% | 3,105 |
| Net loans and leases to core deposits | 80.9721% | 3,215 |
| Total domestic deposits to total assets | 84.7594% | 2,590 |
| Equity capital to assets | 9.9643% | 3,954 |
| Core capital (leverage) ratio | 9.5845% | 3,979 |
| Tier 1 risk-based capital ratio | 13.1575% | 3,712 |
| Total risk-based capital ratio | 14.1287% | 3,735 |
| Memoranda: | ||
| Average total assets | $584,221,200 | 1,245 |
| Average earning assets | $561,762,000 | 1,212 |
| Average equity | $57,050,600 | 1,427 |
| Average total loans | $388,639,600 | 1,299 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7972% | 2,125 |
| Cost of funding earning assets | 0.6927% | 3,249 |
| Net interest margin | 4.1045% | 1,600 |
| Noninterest income to average assets | 0.2708% | 4,121 |
| Noninterest expense to average assets | 3.0303% | 1,885 |
| Loan and lease loss provision to assets | 0.1004% | 1,913 |
| Net operating income to assets | 1.0836% | 2,637 |
| Return on assets (ROA) | 1.1760% | 2,356 |
| Pretax return on assets | 1.1784% | 3,051 |
| Return on Equity (ROE) | 12.1089% | 1,578 |
| Retained earnings to average equity (ytd only) | 9.3091% | 956 |
| Net charge-offs to loans | 0.0607% | 1,947 |
| Credit loss provision to net charge-offs | 248.0000% | 1,103 |
| Earnings coverage of net charge-offs (x) | 29.3140% | 1,647 |
| Efficiency ratio | 71.8673% | 1,857 |
| Assets per employee ($millions) | 5.1610% | 2,386 |
| Cash dividends to net income (ytd only)* | 23.1223% | 2,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0505% | 3,281 |
| Loan loss allowance to noncurrent loans | 58.4377% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 2.0360% | 424 |
| Noncurrent loans to loans | 1.7976% | 796 |
| Net loans and leases to total assets | 67.0616% | 2,920 |
| Net loans and leases to deposits | 77.3048% | 3,170 |
| Net loans and leases to core deposits | 82.6052% | 3,209 |
| Total domestic deposits to total assets | 86.7496% | 1,651 |
| Equity capital to assets | 10.3070% | 3,719 |
| Core capital (leverage) ratio | 9.5940% | 4,069 |
| Tier 1 risk-based capital ratio | 12.9612% | 3,869 |
| Total risk-based capital ratio | 13.9287% | 3,911 |
| Memoranda: | ||
| Average total assets | $576,608,250 | 1,264 |
| Average earning assets | $554,306,500 | 1,227 |
| Average equity | $56,001,250 | 1,445 |
| Average total loans | $384,669,000 | 1,317 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7585% | 2,193 |
| Cost of funding earning assets | 0.6548% | 3,385 |
| Net interest margin | 4.1036% | 1,600 |
| Noninterest income to average assets | 0.2872% | 4,018 |
| Noninterest expense to average assets | 3.0264% | 1,925 |
| Loan and lease loss provision to assets | 0.0919% | 2,015 |
| Net operating income to assets | 1.1083% | 2,492 |
| Return on assets (ROA) | 1.2099% | 2,177 |
| Pretax return on assets | 1.2134% | 2,860 |
| Return on Equity (ROE) | 12.7215% | 1,327 |
| Retained earnings to average equity (ytd only) | 9.7672% | 823 |
| Net charge-offs to loans | 0.0252% | 2,350 |
| Credit loss provision to net charge-offs | 550.0000% | 559 |
| Earnings coverage of net charge-offs (x) | 72.0208% | 876 |
| Efficiency ratio | 71.5450% | 1,982 |
| Assets per employee ($millions) | 5.1026% | 2,358 |
| Cash dividends to net income (ytd only)* | 23.2230% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0483% | 3,343 |
| Loan loss allowance to noncurrent loans | 53.5933% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 2.1420% | 407 |
| Noncurrent loans to loans | 1.9561% | 739 |
| Net loans and leases to total assets | 66.0962% | 3,091 |
| Net loans and leases to deposits | 76.9466% | 3,249 |
| Net loans and leases to core deposits | 82.1067% | 3,260 |
| Total domestic deposits to total assets | 85.8988% | 2,087 |
| Equity capital to assets | 9.9048% | 4,056 |
| Core capital (leverage) ratio | 9.4099% | 4,234 |
| Tier 1 risk-based capital ratio | 12.7246% | 3,998 |
| Total risk-based capital ratio | 13.6857% | 4,044 |
| Memoranda: | ||
| Average total assets | $574,414,670 | 1,270 |
| Average earning assets | $551,901,670 | 1,234 |
| Average equity | $54,632,000 | 1,466 |
| Average total loans | $381,142,670 | 1,332 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6970% | 2,240 |
| Cost of funding earning assets | 0.6053% | 3,541 |
| Net interest margin | 4.0917% | 1,568 |
| Noninterest income to average assets | 0.2668% | 4,093 |
| Noninterest expense to average assets | 3.0326% | 1,901 |
| Loan and lease loss provision to assets | 0.0746% | 2,186 |
| Net operating income to assets | 1.0904% | 2,509 |
| Return on assets (ROA) | 1.0904% | 2,553 |
| Pretax return on assets | 1.0904% | 3,178 |
| Return on Equity (ROE) | 11.7154% | 1,648 |
| Retained earnings to average equity (ytd only) | 8.7582% | 1,401 |
| Net charge-offs to loans | 0.0309% | 1,834 |
| Credit loss provision to net charge-offs | 365.5172% | 740 |
| Earnings coverage of net charge-offs (x) | 57.0690% | 942 |
| Efficiency ratio | 72.2455% | 2,000 |
| Assets per employee ($millions) | 5.0946% | 2,407 |
| Cash dividends to net income (ytd only)* | 25.2421% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0421% | 3,449 |
| Loan loss allowance to noncurrent loans | 50.7543% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 2.1456% | 420 |
| Noncurrent loans to loans | 2.0532% | 713 |
| Net loans and leases to total assets | 65.4860% | 3,116 |
| Net loans and leases to deposits | 76.6801% | 3,198 |
| Net loans and leases to core deposits | 79.0102% | 3,450 |
| Total domestic deposits to total assets | 85.4015% | 2,524 |
| Equity capital to assets | 9.5275% | 4,235 |
| Core capital (leverage) ratio | 9.3919% | 4,266 |
| Tier 1 risk-based capital ratio | 12.6609% | 4,062 |
| Total risk-based capital ratio | 13.6117% | 4,126 |
| Memoranda: | ||
| Average total assets | $568,224,000 | 1,284 |
| Average earning assets | $545,882,500 | 1,244 |
| Average equity | $52,887,500 | 1,502 |
| Average total loans | $375,734,500 | 1,353 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6424% | 2,008 |
| Cost of funding earning assets | 0.3875% | 4,065 |
| Net interest margin | 4.2549% | 1,264 |
| Noninterest income to average assets | 0.2665% | 4,330 |
| Noninterest expense to average assets | 3.2026% | 1,545 |
| Loan and lease loss provision to assets | 0.0706% | 2,725 |
| Net operating income to assets | 1.0745% | 2,700 |
| Return on assets (ROA) | 1.0739% | 2,690 |
| Pretax return on assets | 1.0758% | 3,361 |
| Return on Equity (ROE) | 11.9979% | 1,714 |
| Retained earnings to average equity (ytd only) | 9.2796% | 786 |
| Net charge-offs to loans | 0.0062% | 3,474 |
| Credit loss provision to net charge-offs | 1,727.2727% | 248 |
| Earnings coverage of net charge-offs (x) | 280.6818% | 348 |
| Efficiency ratio | 73.6314% | 1,679 |
| Assets per employee ($millions) | 4.9189% | 2,594 |
| Cash dividends to net income (ytd only)* | 22.6565% | 3,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0507% | 3,379 |
| Loan loss allowance to noncurrent loans | 52.9732% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 2.1496% | 422 |
| Noncurrent loans to loans | 1.9835% | 685 |
| Net loans and leases to total assets | 65.3775% | 3,213 |
| Net loans and leases to deposits | 77.0389% | 3,276 |
| Net loans and leases to core deposits | 80.6018% | 3,385 |
| Total domestic deposits to total assets | 84.8630% | 2,703 |
| Equity capital to assets | 9.0817% | 4,507 |
| Core capital (leverage) ratio | 9.3386% | 4,312 |
| Tier 1 risk-based capital ratio | 12.6724% | 4,034 |
| Total risk-based capital ratio | 13.6270% | 4,075 |
| Memoranda: | ||
| Average total assets | $538,405,200 | 1,316 |
| Average earning assets | $516,653,800 | 1,274 |
| Average equity | $48,191,600 | 1,567 |
| Average total loans | $352,296,600 | 1,393 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5247% | 2,209 |
| Cost of funding earning assets | 0.3480% | 4,193 |
| Net interest margin | 4.1767% | 1,429 |
| Noninterest income to average assets | 0.2582% | 4,429 |
| Noninterest expense to average assets | 3.1915% | 1,543 |
| Loan and lease loss provision to assets | 0.0475% | 3,038 |
| Net operating income to assets | 1.0235% | 2,992 |
| Return on assets (ROA) | 1.0227% | 3,008 |
| Pretax return on assets | 1.0252% | 3,648 |
| Return on Equity (ROE) | 11.4701% | 1,992 |
| Retained earnings to average equity (ytd only) | 8.8320% | 1,290 |
| Net charge-offs to loans | 0.0069% | 3,180 |
| Credit loss provision to net charge-offs | 1,055.5556% | 401 |
| Earnings coverage of net charge-offs (x) | 238.3275% | 387 |
| Efficiency ratio | 74.8299% | 1,475 |
| Assets per employee ($millions) | 5.0622% | 2,392 |
| Cash dividends to net income (ytd only)* | 22.9997% | 2,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0394% | 3,537 |
| Loan loss allowance to noncurrent loans | 56.3374% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 2.2513% | 431 |
| Noncurrent loans to loans | 1.8450% | 827 |
| Net loans and leases to total assets | 64.5569% | 3,358 |
| Net loans and leases to deposits | 76.2035% | 3,400 |
| Net loans and leases to core deposits | 78.4005% | 3,629 |
| Total domestic deposits to total assets | 84.7165% | 2,716 |
| Equity capital to assets | 8.7227% | 4,781 |
| Core capital (leverage) ratio | 9.2590% | 4,448 |
| Tier 1 risk-based capital ratio | 12.7139% | 4,070 |
| Total risk-based capital ratio | 13.6501% | 4,146 |
| Memoranda: | ||
| Average total assets | $532,817,250 | 1,329 |
| Average earning assets | $511,138,500 | 1,292 |
| Average equity | $47,508,000 | 1,586 |
| Average total loans | $347,745,250 | 1,415 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4588% | 2,227 |
| Cost of funding earning assets | 0.3205% | 4,268 |
| Net interest margin | 4.1383% | 1,451 |
| Noninterest income to average assets | 0.2579% | 4,467 |
| Noninterest expense to average assets | 3.2163% | 1,498 |
| Loan and lease loss provision to assets | 0.0511% | 2,895 |
| Net operating income to assets | 0.9565% | 3,207 |
| Return on assets (ROA) | 0.9584% | 3,204 |
| Pretax return on assets | 0.9622% | 3,769 |
| Return on Equity (ROE) | 10.6685% | 2,244 |
| Retained earnings to average equity (ytd only) | 8.0341% | 1,617 |
| Net charge-offs to loans | -0.0099% | 4,313 |
| Credit loss provision to net charge-offs | -794.1176% | 4,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0770% | 1,420 |
| Assets per employee ($millions) | 5.1135% | 2,280 |
| Cash dividends to net income (ytd only)* | 24.6938% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0546% | 3,512 |
| Loan loss allowance to noncurrent loans | 57.1894% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 2.2761% | 411 |
| Noncurrent loans to loans | 1.8441% | 841 |
| Net loans and leases to total assets | 64.4246% | 3,348 |
| Net loans and leases to deposits | 73.8840% | 3,548 |
| Net loans and leases to core deposits | 75.7953% | 3,757 |
| Total domestic deposits to total assets | 87.1970% | 1,759 |
| Equity capital to assets | 8.8873% | 4,655 |
| Core capital (leverage) ratio | 9.1408% | 4,530 |
| Tier 1 risk-based capital ratio | 12.6218% | 4,111 |
| Total risk-based capital ratio | 13.5694% | 4,176 |
| Memoranda: | ||
| Average total assets | $528,185,330 | 1,341 |
| Average earning assets | $506,680,000 | 1,301 |
| Average equity | $47,448,000 | 1,589 |
| Average total loans | $344,777,670 | 1,429 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3561% | 2,332 |
| Cost of funding earning assets | 0.3009% | 4,348 |
| Net interest margin | 4.0551% | 1,548 |
| Noninterest income to average assets | 0.2069% | 4,787 |
| Noninterest expense to average assets | 3.2309% | 1,504 |
| Loan and lease loss provision to assets | 0.1031% | 1,801 |
| Net operating income to assets | 0.7629% | 3,863 |
| Return on assets (ROA) | 0.7629% | 3,862 |
| Pretax return on assets | 0.7629% | 4,249 |
| Return on Equity (ROE) | 8.4459% | 3,168 |
| Retained earnings to average equity (ytd only) | 6.1209% | 2,654 |
| Net charge-offs to loans | -0.0023% | 3,826 |
| Credit loss provision to net charge-offs | -6,750.0000% | 4,485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8630% | 1,272 |
| Assets per employee ($millions) | 4.7431% | 2,800 |
| Cash dividends to net income (ytd only)* | 27.5275% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0619% | 3,589 |
| Loan loss allowance to noncurrent loans | 49.5212% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 2.2945% | 439 |
| Noncurrent loans to loans | 2.1443% | 718 |
| Net loans and leases to total assets | 64.4033% | 3,259 |
| Net loans and leases to deposits | 73.1367% | 3,501 |
| Net loans and leases to core deposits | 74.7929% | 3,757 |
| Total domestic deposits to total assets | 88.0588% | 1,585 |
| Equity capital to assets | 8.8054% | 4,736 |
| Core capital (leverage) ratio | 9.0832% | 4,585 |
| Tier 1 risk-based capital ratio | 12.4090% | 4,300 |
| Total risk-based capital ratio | 13.3595% | 4,378 |
| Memoranda: | ||
| Average total assets | $523,817,000 | 1,365 |
| Average earning assets | $502,473,500 | 1,320 |
| Average equity | $47,313,000 | 1,601 |
| Average total loans | $342,368,000 | 1,436 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2879% | 2,370 |
| Cost of funding earning assets | 0.2214% | 4,780 |
| Net interest margin | 4.0665% | 1,541 |
| Noninterest income to average assets | 0.2950% | 4,347 |
| Noninterest expense to average assets | 3.1791% | 1,656 |
| Loan and lease loss provision to assets | 0.0347% | 3,571 |
| Net operating income to assets | 0.9657% | 2,378 |
| Return on assets (ROA) | 0.9758% | 2,387 |
| Pretax return on assets | 0.9766% | 3,653 |
| Return on Equity (ROE) | 10.8034% | 1,552 |
| Retained earnings to average equity (ytd only) | 8.2671% | 673 |
| Net charge-offs to loans | 0.0485% | 2,818 |
| Credit loss provision to net charge-offs | 111.2500% | 2,339 |
| Earnings coverage of net charge-offs (x) | 32.0938% | 1,478 |
| Efficiency ratio | 76.0506% | 1,612 |
| Assets per employee ($millions) | 4.5700% | 3,079 |
| Cash dividends to net income (ytd only)* | 23.4765% | 3,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0430% | 3,669 |
| Loan loss allowance to noncurrent loans | 48.1280% | 4,529 |
| Noncurrent assets plus other real estate owned to assets | 2.5561% | 359 |
| Noncurrent loans to loans | 2.1671% | 682 |
| Net loans and leases to total assets | 64.9490% | 3,241 |
| Net loans and leases to deposits | 72.8328% | 3,615 |
| Net loans and leases to core deposits | 74.4963% | 3,847 |
| Total domestic deposits to total assets | 89.1756% | 915 |
| Equity capital to assets | 9.2658% | 4,463 |
| Core capital (leverage) ratio | 9.0125% | 4,636 |
| Tier 1 risk-based capital ratio | 12.5904% | 4,152 |
| Total risk-based capital ratio | 13.5326% | 4,253 |
| Memoranda: | ||
| Average total assets | $512,915,200 | 1,363 |
| Average earning assets | $490,053,600 | 1,329 |
| Average equity | $46,328,000 | 1,627 |
| Average total loans | $330,132,400 | 1,449 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2503% | 2,434 |
| Cost of funding earning assets | 0.2004% | 4,971 |
| Net interest margin | 4.0499% | 1,543 |
| Noninterest income to average assets | 0.3151% | 4,283 |
| Noninterest expense to average assets | 3.1575% | 1,659 |
| Loan and lease loss provision to assets | 0.0130% | 3,887 |
| Net operating income to assets | 1.0108% | 2,512 |
| Return on assets (ROA) | 1.0244% | 2,490 |
| Pretax return on assets | 1.0254% | 3,584 |
| Return on Equity (ROE) | 11.4156% | 1,521 |
| Retained earnings to average equity (ytd only) | 8.9491% | 862 |
| Net charge-offs to loans | -0.0122% | 4,685 |
| Credit loss provision to net charge-offs | -166.6667% | 4,591 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4950% | 1,665 |
| Assets per employee ($millions) | 4.6279% | 2,938 |
| Cash dividends to net income (ytd only)* | 21.6066% | 3,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0644% | 3,709 |
| Loan loss allowance to noncurrent loans | 46.4489% | 4,610 |
| Noncurrent assets plus other real estate owned to assets | 2.6100% | 393 |
| Noncurrent loans to loans | 2.2915% | 696 |
| Net loans and leases to total assets | 63.9355% | 3,408 |
| Net loans and leases to deposits | 74.4913% | 3,518 |
| Net loans and leases to core deposits | 76.0118% | 3,797 |
| Total domestic deposits to total assets | 85.8296% | 2,380 |
| Equity capital to assets | 9.2044% | 4,724 |
| Core capital (leverage) ratio | 8.9878% | 4,758 |
| Tier 1 risk-based capital ratio | 12.4620% | 4,344 |
| Total risk-based capital ratio | 13.4257% | 4,407 |
| Memoranda: | ||
| Average total assets | $512,042,750 | 1,375 |
| Average earning assets | $488,957,750 | 1,339 |
| Average equity | $45,947,750 | 1,653 |
| Average total loans | $327,931,750 | 1,467 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2203% | 2,399 |
| Cost of funding earning assets | 0.1794% | 5,144 |
| Net interest margin | 4.0410% | 1,484 |
| Noninterest income to average assets | 0.3112% | 4,310 |
| Noninterest expense to average assets | 3.1439% | 1,718 |
| Loan and lease loss provision to assets | 0.0197% | 3,581 |
| Net operating income to assets | 1.0020% | 2,418 |
| Return on assets (ROA) | 1.0090% | 2,420 |
| Pretax return on assets | 1.0102% | 3,526 |
| Return on Equity (ROE) | 11.3449% | 1,517 |
| Retained earnings to average equity (ytd only) | 8.8017% | 900 |
| Net charge-offs to loans | -0.0302% | 4,959 |
| Credit loss provision to net charge-offs | -102.0408% | 4,354 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4532% | 1,804 |
| Assets per employee ($millions) | 4.5295% | 3,056 |
| Cash dividends to net income (ytd only)* | 22.4172% | 3,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0842% | 3,674 |
| Loan loss allowance to noncurrent loans | 52.7652% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 2.4715% | 448 |
| Noncurrent loans to loans | 2.0547% | 815 |
| Net loans and leases to total assets | 63.3343% | 3,476 |
| Net loans and leases to deposits | 73.8761% | 3,559 |
| Net loans and leases to core deposits | 75.2920% | 3,830 |
| Total domestic deposits to total assets | 85.7305% | 2,512 |
| Equity capital to assets | 9.0934% | 4,813 |
| Core capital (leverage) ratio | 8.7934% | 4,955 |
| Tier 1 risk-based capital ratio | 12.2859% | 4,436 |
| Total risk-based capital ratio | 13.2643% | 4,507 |
| Memoranda: | ||
| Average total assets | $508,405,330 | 1,395 |
| Average earning assets | $485,082,000 | 1,357 |
| Average equity | $45,218,670 | 1,671 |
| Average total loans | $324,592,000 | 1,480 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1779% | 2,348 |
| Cost of funding earning assets | 0.1613% | 5,294 |
| Net interest margin | 4.0166% | 1,429 |
| Noninterest income to average assets | 0.3338% | 4,169 |
| Noninterest expense to average assets | 3.1807% | 1,665 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9798% | 2,392 |
| Return on assets (ROA) | 0.9798% | 2,441 |
| Pretax return on assets | 0.9822% | 3,442 |
| Return on Equity (ROE) | 11.1452% | 1,516 |
| Retained earnings to average equity (ytd only) | 8.6534% | 1,205 |
| Net charge-offs to loans | -0.0637% | 5,290 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4064% | 1,851 |
| Assets per employee ($millions) | 4.4413% | 3,271 |
| Cash dividends to net income (ytd only)* | 22.3577% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1093% | 3,666 |
| Loan loss allowance to noncurrent loans | 43.1804% | 4,790 |
| Noncurrent assets plus other real estate owned to assets | 2.9371% | 352 |
| Noncurrent loans to loans | 2.5690% | 598 |
| Net loans and leases to total assets | 62.2767% | 3,497 |
| Net loans and leases to deposits | 70.6515% | 3,730 |
| Net loans and leases to core deposits | 71.7182% | 4,010 |
| Total domestic deposits to total assets | 88.1463% | 1,627 |
| Equity capital to assets | 8.7959% | 5,004 |
| Core capital (leverage) ratio | 8.8249% | 4,933 |
| Tier 1 risk-based capital ratio | 12.4016% | 4,448 |
| Total risk-based capital ratio | 13.3983% | 4,518 |
| Memoranda: | ||
| Average total assets | $502,161,500 | 1,416 |
| Average earning assets | $478,713,000 | 1,381 |
| Average equity | $44,144,500 | 1,706 |
| Average total loans | $320,128,000 | 1,498 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1325% | 2,726 |
| Cost of funding earning assets | 0.1400% | 5,485 |
| Net interest margin | 3.9924% | 1,651 |
| Noninterest income to average assets | 0.3258% | 4,407 |
| Noninterest expense to average assets | 3.3043% | 1,563 |
| Loan and lease loss provision to assets | 0.0462% | 3,465 |
| Net operating income to assets | 0.7598% | 3,491 |
| Return on assets (ROA) | 0.7598% | 3,600 |
| Pretax return on assets | 0.7600% | 4,299 |
| Return on Equity (ROE) | 8.3947% | 2,746 |
| Retained earnings to average equity (ytd only) | 7.4131% | 1,074 |
| Net charge-offs to loans | 0.0456% | 3,130 |
| Credit loss provision to net charge-offs | 159.5745% | 1,725 |
| Earnings coverage of net charge-offs (x) | 27.8652% | 1,497 |
| Efficiency ratio | 80.3874% | 1,374 |
| Assets per employee ($millions) | 4.3296% | 3,396 |
| Cash dividends to net income (ytd only)* | 11.6932% | 3,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1039% | 3,689 |
| Loan loss allowance to noncurrent loans | 48.9833% | 4,697 |
| Noncurrent assets plus other real estate owned to assets | 2.8263% | 382 |
| Noncurrent loans to loans | 2.2535% | 747 |
| Net loans and leases to total assets | 63.8392% | 3,379 |
| Net loans and leases to deposits | 73.1480% | 3,600 |
| Net loans and leases to core deposits | 74.0541% | 3,920 |
| Total domestic deposits to total assets | 87.2740% | 1,991 |
| Equity capital to assets | 8.7857% | 5,033 |
| Core capital (leverage) ratio | 8.8561% | 4,904 |
| Tier 1 risk-based capital ratio | 12.3005% | 4,503 |
| Total risk-based capital ratio | 13.2972% | 4,580 |
| Memoranda: | ||
| Average total assets | $487,359,000 | 1,414 |
| Average earning assets | $461,998,600 | 1,376 |
| Average equity | $44,111,000 | 1,683 |
| Average total loans | $309,506,200 | 1,480 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1146% | 2,822 |
| Cost of funding earning assets | 0.1409% | 5,540 |
| Net interest margin | 3.9737% | 1,729 |
| Noninterest income to average assets | 0.3472% | 4,306 |
| Noninterest expense to average assets | 3.3049% | 1,553 |
| Loan and lease loss provision to assets | 0.0480% | 3,288 |
| Net operating income to assets | 0.7569% | 3,576 |
| Return on assets (ROA) | 0.7569% | 3,703 |
| Pretax return on assets | 0.7572% | 4,448 |
| Return on Equity (ROE) | 8.3012% | 2,852 |
| Retained earnings to average equity (ytd only) | 7.8738% | 1,222 |
| Net charge-offs to loans | 0.0473% | 2,697 |
| Credit loss provision to net charge-offs | 160.5505% | 1,697 |
| Earnings coverage of net charge-offs (x) | 26.9174% | 1,582 |
| Efficiency ratio | 80.4087% | 1,390 |
| Assets per employee ($millions) | 4.3432% | 3,345 |
| Cash dividends to net income (ytd only)* | 5.1487% | 3,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0922% | 3,871 |
| Loan loss allowance to noncurrent loans | 47.7744% | 4,800 |
| Noncurrent assets plus other real estate owned to assets | 2.9184% | 405 |
| Noncurrent loans to loans | 2.2862% | 806 |
| Net loans and leases to total assets | 64.5619% | 3,327 |
| Net loans and leases to deposits | 75.6954% | 3,433 |
| Net loans and leases to core deposits | 76.4069% | 3,798 |
| Total domestic deposits to total assets | 85.2917% | 2,678 |
| Equity capital to assets | 9.4960% | 4,664 |
| Core capital (leverage) ratio | 8.6911% | 5,159 |
| Tier 1 risk-based capital ratio | 12.0566% | 4,759 |
| Total risk-based capital ratio | 13.0456% | 4,818 |
| Memoranda: | ||
| Average total assets | $485,805,500 | 1,420 |
| Average earning assets | $460,045,000 | 1,389 |
| Average equity | $44,297,750 | 1,687 |
| Average total loans | $307,230,250 | 1,493 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0156% | 3,184 |
| Cost of funding earning assets | 0.1394% | 5,617 |
| Net interest margin | 3.8762% | 2,056 |
| Noninterest income to average assets | 0.3693% | 4,105 |
| Noninterest expense to average assets | 3.3692% | 1,435 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6643% | 3,981 |
| Return on assets (ROA) | 0.6643% | 4,120 |
| Pretax return on assets | 0.6647% | 4,733 |
| Return on Equity (ROE) | 7.3882% | 3,321 |
| Retained earnings to average equity (ytd only) | 7.3882% | 1,435 |
| Net charge-offs to loans | 0.0218% | 3,057 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 48.7576% | 1,009 |
| Efficiency ratio | 83.5228% | 1,088 |
| Assets per employee ($millions) | 4.1703% | 3,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0654% | 4,134 |
| Loan loss allowance to noncurrent loans | 43.4560% | 4,977 |
| Noncurrent assets plus other real estate owned to assets | 3.0778% | 390 |
| Noncurrent loans to loans | 2.4517% | 728 |
| Net loans and leases to total assets | 64.1603% | 3,341 |
| Net loans and leases to deposits | 73.5970% | 3,638 |
| Net loans and leases to core deposits | 74.3273% | 3,955 |
| Total domestic deposits to total assets | 87.1778% | 1,824 |
| Equity capital to assets | 9.4138% | 4,856 |
| Core capital (leverage) ratio | 8.6027% | 5,265 |
| Tier 1 risk-based capital ratio | 11.7185% | 5,023 |
| Total risk-based capital ratio | 12.6761% | 5,093 |
| Memoranda: | ||
| Average total assets | $484,145,670 | 1,427 |
| Average earning assets | $457,714,000 | 1,398 |
| Average equity | $43,528,670 | 1,716 |
| Average total loans | $302,854,000 | 1,513 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9825% | 3,278 |
| Cost of funding earning assets | 0.1388% | 5,689 |
| Net interest margin | 3.8437% | 2,132 |
| Noninterest income to average assets | 0.3574% | 4,169 |
| Noninterest expense to average assets | 3.3855% | 1,414 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5956% | 4,195 |
| Return on assets (ROA) | 0.5956% | 4,309 |
| Pretax return on assets | 0.5948% | 4,832 |
| Return on Equity (ROE) | 6.7884% | 3,567 |
| Retained earnings to average equity (ytd only) | 6.7884% | 1,983 |
| Net charge-offs to loans | 0.0746% | 1,739 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 12.9818% | 1,759 |
| Efficiency ratio | 85.0565% | 1,059 |
| Assets per employee ($millions) | 4.1739% | 3,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1333% | 3,870 |
| Loan loss allowance to noncurrent loans | 42.2408% | 5,026 |
| Noncurrent assets plus other real estate owned to assets | 3.5586% | 310 |
| Noncurrent loans to loans | 2.6830% | 664 |
| Net loans and leases to total assets | 60.8639% | 3,668 |
| Net loans and leases to deposits | 67.0399% | 4,153 |
| Net loans and leases to core deposits | 67.4946% | 4,435 |
| Total domestic deposits to total assets | 90.7876% | 331 |
| Equity capital to assets | 8.8970% | 5,268 |
| Core capital (leverage) ratio | 8.5388% | 5,355 |
| Tier 1 risk-based capital ratio | 12.0783% | 4,867 |
| Total risk-based capital ratio | 13.0784% | 4,933 |
| Memoranda: | ||
| Average total assets | $480,169,000 | 1,435 |
| Average earning assets | $452,580,000 | 1,418 |
| Average equity | $42,130,500 | 1,756 |
| Average total loans | $294,715,000 | 1,542 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9564% | 3,488 |
| Cost of funding earning assets | 0.1391% | 5,760 |
| Net interest margin | 3.8174% | 2,315 |
| Noninterest income to average assets | 0.3545% | 4,369 |
| Noninterest expense to average assets | 3.6437% | 1,050 |
| Loan and lease loss provision to assets | 0.1030% | 2,266 |
| Net operating income to assets | 0.1838% | 5,609 |
| Return on assets (ROA) | 0.2706% | 5,517 |
| Pretax return on assets | 0.2710% | 5,581 |
| Return on Equity (ROE) | 3.0650% | 5,284 |
| Retained earnings to average equity (ytd only) | 3.0650% | 3,876 |
| Net charge-offs to loans | 0.1770% | 1,621 |
| Credit loss provision to net charge-offs | 93.1373% | 2,699 |
| Earnings coverage of net charge-offs (x) | 2.5980% | 3,868 |
| Efficiency ratio | 92.6925% | 542 |
| Assets per employee ($millions) | 3.9680% | 3,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1783% | 3,597 |
| Loan loss allowance to noncurrent loans | 41.7996% | 5,062 |
| Noncurrent assets plus other real estate owned to assets | 3.9579% | 265 |
| Noncurrent loans to loans | 2.8188% | 600 |
| Net loans and leases to total assets | 60.4690% | 3,768 |
| Net loans and leases to deposits | 66.4169% | 4,282 |
| Net loans and leases to core deposits | 66.9167% | 4,512 |
| Total domestic deposits to total assets | 91.0447% | 267 |
| Equity capital to assets | 8.6491% | 5,427 |
| Core capital (leverage) ratio | 8.5933% | 5,338 |
| Tier 1 risk-based capital ratio | 12.0667% | 4,905 |
| Total risk-based capital ratio | 13.0980% | 4,959 |
| Memoranda: | ||
| Average total assets | $461,259,400 | 1,457 |
| Average earning assets | $432,157,600 | 1,448 |
| Average equity | $40,717,400 | 1,768 |
| Average total loans | $288,118,400 | 1,518 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9642% | 3,481 |
| Cost of funding earning assets | 0.1373% | 5,870 |
| Net interest margin | 3.8270% | 2,277 |
| Noninterest income to average assets | 0.3724% | 4,270 |
| Noninterest expense to average assets | 3.6677% | 1,024 |
| Loan and lease loss provision to assets | 0.0714% | 2,749 |
| Net operating income to assets | 0.2156% | 5,650 |
| Return on assets (ROA) | 0.3322% | 5,444 |
| Pretax return on assets | 0.3328% | 5,589 |
| Return on Equity (ROE) | 3.7437% | 5,129 |
| Retained earnings to average equity (ytd only) | 3.7437% | 3,810 |
| Net charge-offs to loans | 0.2102% | 1,236 |
| Credit loss provision to net charge-offs | 54.0839% | 2,988 |
| Earnings coverage of net charge-offs (x) | 2.1788% | 3,715 |
| Efficiency ratio | 92.7282% | 534 |
| Assets per employee ($millions) | 3.8599% | 4,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1265% | 4,076 |
| Loan loss allowance to noncurrent loans | 42.3762% | 5,160 |
| Noncurrent assets plus other real estate owned to assets | 3.9846% | 302 |
| Noncurrent loans to loans | 2.6583% | 735 |
| Net loans and leases to total assets | 61.7754% | 3,644 |
| Net loans and leases to deposits | 68.0808% | 4,185 |
| Net loans and leases to core deposits | 68.5533% | 4,494 |
| Total domestic deposits to total assets | 90.7385% | 330 |
| Equity capital to assets | 8.9990% | 5,306 |
| Core capital (leverage) ratio | 8.6082% | 5,452 |
| Tier 1 risk-based capital ratio | 12.1299% | 5,006 |
| Total risk-based capital ratio | 13.1188% | 5,080 |
| Memoranda: | ||
| Average total assets | $457,533,500 | 1,475 |
| Average earning assets | $428,353,000 | 1,456 |
| Average equity | $40,600,750 | 1,795 |
| Average total loans | $287,307,000 | 1,524 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9060% | 3,660 |
| Cost of funding earning assets | 0.1315% | 5,975 |
| Net interest margin | 3.7746% | 2,423 |
| Noninterest income to average assets | 0.3538% | 4,428 |
| Noninterest expense to average assets | 3.6410% | 1,059 |
| Loan and lease loss provision to assets | 0.1075% | 2,035 |
| Net operating income to assets | 0.1330% | 5,837 |
| Return on assets (ROA) | 0.3086% | 5,515 |
| Pretax return on assets | 0.3099% | 5,646 |
| Return on Equity (ROE) | 3.4940% | 5,230 |
| Retained earnings to average equity (ytd only) | 3.4940% | 3,816 |
| Net charge-offs to loans | 0.0942% | 2,081 |
| Credit loss provision to net charge-offs | 181.4815% | 1,333 |
| Earnings coverage of net charge-offs (x) | 4.0815% | 3,092 |
| Efficiency ratio | 93.7712% | 533 |
| Assets per employee ($millions) | 3.9050% | 4,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2338% | 3,601 |
| Loan loss allowance to noncurrent loans | 39.6323% | 5,267 |
| Noncurrent assets plus other real estate owned to assets | 4.0276% | 333 |
| Noncurrent loans to loans | 3.1131% | 619 |
| Net loans and leases to total assets | 61.6360% | 3,606 |
| Net loans and leases to deposits | 67.6350% | 4,166 |
| Net loans and leases to core deposits | 68.1002% | 4,486 |
| Total domestic deposits to total assets | 91.1304% | 273 |
| Equity capital to assets | 8.6163% | 5,587 |
| Core capital (leverage) ratio | 8.5297% | 5,506 |
| Tier 1 risk-based capital ratio | 12.0398% | 5,117 |
| Total risk-based capital ratio | 13.1272% | 5,129 |
| Memoranda: | ||
| Average total assets | $455,650,000 | 1,490 |
| Average earning assets | $426,008,330 | 1,477 |
| Average equity | $40,240,330 | 1,814 |
| Average total loans | $286,611,330 | 1,532 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9013% | 3,609 |
| Cost of funding earning assets | 0.1225% | 6,099 |
| Net interest margin | 3.7788% | 2,304 |
| Noninterest income to average assets | 0.1667% | 5,734 |
| Noninterest expense to average assets | 3.7258% | 969 |
| Loan and lease loss provision to assets | 0.0621% | 2,687 |
| Net operating income to assets | -0.0931% | 6,099 |
| Return on assets (ROA) | 0.2616% | 5,624 |
| Pretax return on assets | 0.2616% | 5,727 |
| Return on Equity (ROE) | 2.9251% | 5,410 |
| Retained earnings to average equity (ytd only) | 2.9251% | 4,218 |
| Net charge-offs to loans | 0.2288% | 1,033 |
| Credit loss provision to net charge-offs | 42.9448% | 2,166 |
| Earnings coverage of net charge-offs (x) | -0.2147% | 3,128 |
| Efficiency ratio | 100.8399% | 348 |
| Assets per employee ($millions) | 3.8449% | 4,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1813% | 4,076 |
| Loan loss allowance to noncurrent loans | 36.1581% | 5,396 |
| Noncurrent assets plus other real estate owned to assets | 4.5980% | 283 |
| Noncurrent loans to loans | 3.2670% | 624 |
| Net loans and leases to total assets | 61.7055% | 3,418 |
| Net loans and leases to deposits | 67.9364% | 3,963 |
| Net loans and leases to core deposits | 68.4128% | 4,296 |
| Total domestic deposits to total assets | 90.8284% | 422 |
| Equity capital to assets | 8.8938% | 5,398 |
| Core capital (leverage) ratio | 8.7136% | 5,313 |
| Tier 1 risk-based capital ratio | 12.1482% | 5,156 |
| Total risk-based capital ratio | 13.1943% | 5,166 |
| Memoranda: | ||
| Average total assets | $451,125,500 | 1,515 |
| Average earning assets | $421,190,500 | 1,499 |
| Average equity | $40,340,500 | 1,817 |
| Average total loans | $284,917,000 | 1,541 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0386% | 3,568 |
| Cost of funding earning assets | 0.1227% | 6,232 |
| Net interest margin | 3.9159% | 2,170 |
| Noninterest income to average assets | 0.4158% | 4,072 |
| Noninterest expense to average assets | 3.8923% | 866 |
| Loan and lease loss provision to assets | 0.0455% | 3,665 |
| Net operating income to assets | 0.1014% | 5,954 |
| Return on assets (ROA) | 0.1210% | 5,962 |
| Pretax return on assets | 0.1215% | 5,970 |
| Return on Equity (ROE) | 1.3734% | 5,918 |
| Retained earnings to average equity (ytd only) | 1.3734% | 5,157 |
| Net charge-offs to loans | 0.1621% | 2,410 |
| Credit loss provision to net charge-offs | 44.5916% | 3,596 |
| Earnings coverage of net charge-offs (x) | 1.4437% | 4,418 |
| Efficiency ratio | 96.3515% | 486 |
| Assets per employee ($millions) | 3.6451% | 4,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2206% | 3,877 |
| Loan loss allowance to noncurrent loans | 35.3950% | 5,503 |
| Noncurrent assets plus other real estate owned to assets | 4.8470% | 293 |
| Noncurrent loans to loans | 3.4484% | 604 |
| Net loans and leases to total assets | 63.1114% | 3,347 |
| Net loans and leases to deposits | 69.5408% | 3,974 |
| Net loans and leases to core deposits | 69.9324% | 4,334 |
| Total domestic deposits to total assets | 90.7546% | 441 |
| Equity capital to assets | 8.9920% | 5,299 |
| Core capital (leverage) ratio | 8.8968% | 5,126 |
| Tier 1 risk-based capital ratio | 12.2852% | 5,168 |
| Total risk-based capital ratio | 13.3807% | 5,184 |
| Memoranda: | ||
| Average total assets | $443,718,600 | 1,496 |
| Average earning assets | $410,636,400 | 1,492 |
| Average equity | $39,099,000 | 1,809 |
| Average total loans | $279,496,200 | 1,519 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0357% | 3,613 |
| Cost of funding earning assets | 0.1243% | 6,317 |
| Net interest margin | 3.9113% | 2,194 |
| Noninterest income to average assets | 0.5153% | 3,444 |
| Noninterest expense to average assets | 3.8949% | 851 |
| Loan and lease loss provision to assets | 0.0472% | 3,436 |
| Net operating income to assets | 0.1864% | 5,873 |
| Return on assets (ROA) | 0.2126% | 5,879 |
| Pretax return on assets | 0.2132% | 5,928 |
| Return on Equity (ROE) | 2.4247% | 5,729 |
| Retained earnings to average equity (ytd only) | 2.4247% | 4,843 |
| Net charge-offs to loans | 0.1691% | 2,107 |
| Credit loss provision to net charge-offs | 44.4759% | 3,209 |
| Earnings coverage of net charge-offs (x) | 2.2068% | 3,964 |
| Efficiency ratio | 94.3279% | 579 |
| Assets per employee ($millions) | 3.6423% | 4,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2544% | 3,911 |
| Loan loss allowance to noncurrent loans | 33.3428% | 5,637 |
| Noncurrent assets plus other real estate owned to assets | 5.8228% | 245 |
| Noncurrent loans to loans | 3.7621% | 602 |
| Net loans and leases to total assets | 63.9847% | 3,171 |
| Net loans and leases to deposits | 70.6817% | 3,839 |
| Net loans and leases to core deposits | 71.0936% | 4,235 |
| Total domestic deposits to total assets | 90.5252% | 516 |
| Equity capital to assets | 9.2070% | 5,140 |
| Core capital (leverage) ratio | 8.8787% | 5,220 |
| Tier 1 risk-based capital ratio | 12.3398% | 5,272 |
| Total risk-based capital ratio | 13.4616% | 5,275 |
| Memoranda: | ||
| Average total assets | $443,471,500 | 1,509 |
| Average earning assets | $409,737,750 | 1,503 |
| Average equity | $38,876,750 | 1,827 |
| Average total loans | $278,338,000 | 1,543 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9893% | 3,766 |
| Cost of funding earning assets | 0.1255% | 6,380 |
| Net interest margin | 3.8638% | 2,314 |
| Noninterest income to average assets | 0.4588% | 3,797 |
| Noninterest expense to average assets | 3.8651% | 889 |
| Loan and lease loss provision to assets | 0.0546% | 3,208 |
| Net operating income to assets | 0.1064% | 6,036 |
| Return on assets (ROA) | 0.1383% | 6,011 |
| Pretax return on assets | 0.1392% | 6,044 |
| Return on Equity (ROE) | 1.6038% | 5,928 |
| Retained earnings to average equity (ytd only) | 1.6038% | 5,098 |
| Net charge-offs to loans | 0.2472% | 1,571 |
| Credit loss provision to net charge-offs | 35.5685% | 2,983 |
| Earnings coverage of net charge-offs (x) | 1.0525% | 3,898 |
| Efficiency ratio | 95.9871% | 555 |
| Assets per employee ($millions) | 3.6824% | 4,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2584% | 4,099 |
| Loan loss allowance to noncurrent loans | 33.8494% | 5,685 |
| Noncurrent assets plus other real estate owned to assets | 5.8060% | 272 |
| Noncurrent loans to loans | 3.7176% | 677 |
| Net loans and leases to total assets | 62.1143% | 3,385 |
| Net loans and leases to deposits | 68.4352% | 4,002 |
| Net loans and leases to core deposits | 68.7949% | 4,392 |
| Total domestic deposits to total assets | 90.7637% | 485 |
| Equity capital to assets | 8.9636% | 5,340 |
| Core capital (leverage) ratio | 8.6194% | 5,514 |
| Tier 1 risk-based capital ratio | 12.3609% | 5,328 |
| Total risk-based capital ratio | 13.4883% | 5,313 |
| Memoranda: | ||
| Average total assets | $446,817,670 | 1,495 |
| Average earning assets | $412,601,330 | 1,491 |
| Average equity | $38,533,670 | 1,832 |
| Average total loans | $277,499,330 | 1,538 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8500% | 4,291 |
| Cost of funding earning assets | 0.1254% | 6,468 |
| Net interest margin | 3.7246% | 2,769 |
| Noninterest income to average assets | 0.4621% | 3,693 |
| Noninterest expense to average assets | 3.8791% | 886 |
| Loan and lease loss provision to assets | 0.0285% | 3,455 |
| Net operating income to assets | -0.0071% | 6,222 |
| Return on assets (ROA) | 0.0570% | 6,133 |
| Pretax return on assets | 0.0570% | 6,145 |
| Return on Equity (ROE) | 0.6738% | 6,107 |
| Retained earnings to average equity (ytd only) | 0.6738% | 5,322 |
| Net charge-offs to loans | -0.0188% | 5,324 |
| Credit loss provision to net charge-offs | -246.1538% | 5,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4522% | 483 |
| Assets per employee ($millions) | 3.7388% | 4,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3569% | 3,810 |
| Loan loss allowance to noncurrent loans | 30.2791% | 5,850 |
| Noncurrent assets plus other real estate owned to assets | 6.2015% | 269 |
| Noncurrent loans to loans | 4.4814% | 539 |
| Net loans and leases to total assets | 60.4845% | 3,476 |
| Net loans and leases to deposits | 66.3528% | 4,050 |
| Net loans and leases to core deposits | 66.6512% | 4,433 |
| Total domestic deposits to total assets | 91.1559% | 508 |
| Equity capital to assets | 8.4904% | 5,666 |
| Core capital (leverage) ratio | 8.5968% | 5,529 |
| Tier 1 risk-based capital ratio | 12.3950% | 5,373 |
| Total risk-based capital ratio | 13.6188% | 5,335 |
| Memoranda: | ||
| Average total assets | $449,283,000 | 1,487 |
| Average earning assets | $414,751,000 | 1,495 |
| Average equity | $37,996,000 | 1,853 |
| Average total loans | $277,262,500 | 1,545 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9084% | 4,429 |
| Cost of funding earning assets | 0.1995% | 6,300 |
| Net interest margin | 3.7088% | 3,017 |
| Noninterest income to average assets | 0.6671% | 2,723 |
| Noninterest expense to average assets | 3.9317% | 945 |
| Loan and lease loss provision to assets | 0.0934% | 3,248 |
| Net operating income to assets | 0.0337% | 6,159 |
| Return on assets (ROA) | 0.0337% | 6,201 |
| Pretax return on assets | 0.0346% | 6,179 |
| Return on Equity (ROE) | 0.4006% | 6,183 |
| Retained earnings to average equity (ytd only) | 0.4006% | 5,667 |
| Net charge-offs to loans | 0.6952% | 932 |
| Credit loss provision to net charge-offs | 21.6547% | 4,415 |
| Earnings coverage of net charge-offs (x) | 0.2967% | 4,984 |
| Efficiency ratio | 96.8489% | 594 |
| Assets per employee ($millions) | 3.7811% | 4,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3420% | 3,926 |
| Loan loss allowance to noncurrent loans | 32.6687% | 5,874 |
| Noncurrent assets plus other real estate owned to assets | 6.1644% | 304 |
| Noncurrent loans to loans | 4.1078% | 694 |
| Net loans and leases to total assets | 61.2799% | 3,485 |
| Net loans and leases to deposits | 67.1643% | 4,168 |
| Net loans and leases to core deposits | 67.7301% | 4,546 |
| Total domestic deposits to total assets | 91.2388% | 489 |
| Equity capital to assets | 8.4232% | 5,665 |
| Core capital (leverage) ratio | 8.6039% | 5,539 |
| Tier 1 risk-based capital ratio | 12.3234% | 5,412 |
| Total risk-based capital ratio | 13.5272% | 5,372 |
| Memoranda: | ||
| Average total assets | $454,185,800 | 1,460 |
| Average earning assets | $415,443,800 | 1,466 |
| Average equity | $38,192,200 | 1,817 |
| Average total loans | $281,629,200 | 1,501 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8852% | 4,555 |
| Cost of funding earning assets | 0.2118% | 6,344 |
| Net interest margin | 3.6734% | 3,140 |
| Noninterest income to average assets | 0.6857% | 2,697 |
| Noninterest expense to average assets | 3.9638% | 890 |
| Loan and lease loss provision to assets | 0.1122% | 2,893 |
| Net operating income to assets | -0.0365% | 6,331 |
| Return on assets (ROA) | -0.0365% | 6,369 |
| Pretax return on assets | -0.0354% | 6,346 |
| Return on Equity (ROE) | -0.4346% | 6,381 |
| Retained earnings to average equity (ytd only) | -0.4346% | 6,029 |
| Net charge-offs to loans | 0.8563% | 683 |
| Credit loss provision to net charge-offs | 21.1454% | 4,056 |
| Earnings coverage of net charge-offs (x) | 0.1448% | 4,815 |
| Efficiency ratio | 98.0976% | 524 |
| Assets per employee ($millions) | 3.6960% | 4,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3518% | 4,122 |
| Loan loss allowance to noncurrent loans | 34.0826% | 5,840 |
| Noncurrent assets plus other real estate owned to assets | 6.2595% | 364 |
| Noncurrent loans to loans | 3.9663% | 886 |
| Net loans and leases to total assets | 62.8692% | 3,189 |
| Net loans and leases to deposits | 68.9487% | 3,941 |
| Net loans and leases to core deposits | 70.5394% | 4,261 |
| Total domestic deposits to total assets | 91.1825% | 465 |
| Equity capital to assets | 8.4777% | 5,755 |
| Core capital (leverage) ratio | 8.4632% | 5,802 |
| Tier 1 risk-based capital ratio | 12.1958% | 5,654 |
| Total risk-based capital ratio | 13.4276% | 5,601 |
| Memoranda: | ||
| Average total assets | $456,188,750 | 1,460 |
| Average earning assets | $416,647,000 | 1,469 |
| Average equity | $38,344,750 | 1,823 |
| Average total loans | $282,753,000 | 1,505 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8337% | 4,718 |
| Cost of funding earning assets | 0.2221% | 6,356 |
| Net interest margin | 3.6116% | 3,313 |
| Noninterest income to average assets | 0.5856% | 3,283 |
| Noninterest expense to average assets | 3.9673% | 901 |
| Loan and lease loss provision to assets | 0.1668% | 2,242 |
| Net operating income to assets | -0.2585% | 6,527 |
| Return on assets (ROA) | -0.2585% | 6,555 |
| Pretax return on assets | -0.2567% | 6,530 |
| Return on Equity (ROE) | -3.0835% | 6,582 |
| Retained earnings to average equity (ytd only) | -3.0835% | 6,319 |
| Net charge-offs to loans | 1.1627% | 503 |
| Credit loss provision to net charge-offs | 23.3577% | 3,684 |
| Earnings coverage of net charge-offs (x) | -0.1259% | 4,590 |
| Efficiency ratio | 102.3191% | 417 |
| Assets per employee ($millions) | 3.8670% | 4,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4206% | 3,941 |
| Loan loss allowance to noncurrent loans | 35.0171% | 5,837 |
| Noncurrent assets plus other real estate owned to assets | 6.4177% | 397 |
| Noncurrent loans to loans | 4.0568% | 953 |
| Net loans and leases to total assets | 60.7244% | 3,532 |
| Net loans and leases to deposits | 66.3592% | 4,223 |
| Net loans and leases to core deposits | 68.6951% | 4,432 |
| Total domestic deposits to total assets | 91.5087% | 378 |
| Equity capital to assets | 8.1397% | 6,103 |
| Core capital (leverage) ratio | 8.1413% | 6,068 |
| Tier 1 risk-based capital ratio | 12.0986% | 5,735 |
| Total risk-based capital ratio | 13.3492% | 5,686 |
| Memoranda: | ||
| Average total assets | $460,412,330 | 1,440 |
| Average earning assets | $419,642,330 | 1,459 |
| Average equity | $38,593,000 | 1,816 |
| Average total loans | $282,785,000 | 1,502 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8934% | 4,497 |
| Cost of funding earning assets | 0.2314% | 6,405 |
| Net interest margin | 3.6620% | 3,023 |
| Noninterest income to average assets | 0.8087% | 2,092 |
| Noninterest expense to average assets | 4.0435% | 841 |
| Loan and lease loss provision to assets | 0.0813% | 3,294 |
| Net operating income to assets | 0.0104% | 6,325 |
| Return on assets (ROA) | 0.0104% | 6,402 |
| Pretax return on assets | 0.0104% | 6,395 |
| Return on Equity (ROE) | 0.1221% | 6,402 |
| Retained earnings to average equity (ytd only) | 0.1221% | 5,741 |
| Net charge-offs to loans | 0.3568% | 1,574 |
| Credit loss provision to net charge-offs | 37.1542% | 2,786 |
| Earnings coverage of net charge-offs (x) | 0.4190% | 3,672 |
| Efficiency ratio | 97.7829% | 644 |
| Assets per employee ($millions) | 3.7849% | 4,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8004% | 2,618 |
| Loan loss allowance to noncurrent loans | 35.0344% | 5,821 |
| Noncurrent assets plus other real estate owned to assets | 7.3257% | 371 |
| Noncurrent loans to loans | 5.1389% | 729 |
| Net loans and leases to total assets | 60.1710% | 3,397 |
| Net loans and leases to deposits | 66.0202% | 4,050 |
| Net loans and leases to core deposits | 68.2383% | 4,273 |
| Total domestic deposits to total assets | 91.1402% | 469 |
| Equity capital to assets | 8.4973% | 6,021 |
| Core capital (leverage) ratio | 8.2806% | 5,848 |
| Tier 1 risk-based capital ratio | 12.3385% | 5,688 |
| Total risk-based capital ratio | 13.6001% | 5,634 |
| Memoranda: | ||
| Average total assets | $462,466,500 | 1,448 |
| Average earning assets | $420,100,000 | 1,471 |
| Average equity | $39,318,500 | 1,802 |
| Average total loans | $283,637,000 | 1,495 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2612% | 4,357 |
| Cost of funding earning assets | 0.3303% | 6,312 |
| Net interest margin | 3.9308% | 2,695 |
| Noninterest income to average assets | 0.6832% | 2,815 |
| Noninterest expense to average assets | 4.3878% | 629 |
| Loan and lease loss provision to assets | 0.1887% | 3,279 |
| Net operating income to assets | -0.3963% | 6,512 |
| Return on assets (ROA) | -0.3963% | 6,560 |
| Pretax return on assets | -0.3852% | 6,522 |
| Return on Equity (ROE) | -4.6472% | 6,580 |
| Retained earnings to average equity (ytd only) | -4.6472% | 6,401 |
| Net charge-offs to loans | 0.8720% | 1,314 |
| Credit loss provision to net charge-offs | 33.5096% | 5,052 |
| Earnings coverage of net charge-offs (x) | -0.3491% | 5,633 |
| Efficiency ratio | 104.6894% | 431 |
| Assets per employee ($millions) | 3.8598% | 4,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8475% | 2,446 |
| Loan loss allowance to noncurrent loans | 36.9176% | 5,778 |
| Noncurrent assets plus other real estate owned to assets | 8.3701% | 319 |
| Noncurrent loans to loans | 5.0043% | 796 |
| Net loans and leases to total assets | 60.2543% | 3,561 |
| Net loans and leases to deposits | 66.1398% | 4,261 |
| Net loans and leases to core deposits | 69.2677% | 4,402 |
| Total domestic deposits to total assets | 91.1014% | 462 |
| Equity capital to assets | 8.5066% | 6,048 |
| Core capital (leverage) ratio | 8.2774% | 5,910 |
| Tier 1 risk-based capital ratio | 12.1537% | 5,683 |
| Total risk-based capital ratio | 13.4181% | 5,633 |
| Memoranda: | ||
| Average total assets | $470,124,600 | 1,407 |
| Average earning assets | $419,557,400 | 1,434 |
| Average equity | $40,088,600 | 1,734 |
| Average total loans | $303,542,600 | 1,379 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2479% | 4,654 |
| Cost of funding earning assets | 0.3491% | 6,377 |
| Net interest margin | 3.8988% | 2,917 |
| Noninterest income to average assets | 0.5383% | 3,680 |
| Noninterest expense to average assets | 4.4269% | 584 |
| Loan and lease loss provision to assets | 0.0537% | 5,074 |
| Net operating income to assets | -0.4716% | 6,684 |
| Return on assets (ROA) | -0.4716% | 6,721 |
| Pretax return on assets | -0.4710% | 6,692 |
| Return on Equity (ROE) | -5.5272% | 6,737 |
| Retained earnings to average equity (ytd only) | -5.5272% | 6,648 |
| Net charge-offs to loans | 0.8994% | 1,212 |
| Credit loss provision to net charge-offs | 9.1346% | 5,091 |
| Earnings coverage of net charge-offs (x) | -0.7101% | 5,537 |
| Efficiency ratio | 110.4087% | 301 |
| Assets per employee ($millions) | 3.8900% | 4,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7318% | 3,038 |
| Loan loss allowance to noncurrent loans | 26.1778% | 6,299 |
| Noncurrent assets plus other real estate owned to assets | 9.1621% | 295 |
| Noncurrent loans to loans | 6.6156% | 571 |
| Net loans and leases to total assets | 63.3288% | 3,151 |
| Net loans and leases to deposits | 69.5496% | 3,959 |
| Net loans and leases to core deposits | 72.9544% | 4,129 |
| Total domestic deposits to total assets | 91.0555% | 400 |
| Equity capital to assets | 8.6334% | 6,153 |
| Core capital (leverage) ratio | 8.2700% | 6,060 |
| Tier 1 risk-based capital ratio | 11.8387% | 6,036 |
| Total risk-based capital ratio | 13.1035% | 6,005 |
| Memoranda: | ||
| Average total assets | $471,862,750 | 1,416 |
| Average earning assets | $420,119,250 | 1,446 |
| Average equity | $40,260,750 | 1,747 |
| Average total loans | $308,344,750 | 1,370 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2834% | 4,635 |
| Cost of funding earning assets | 0.3704% | 6,416 |
| Net interest margin | 3.9130% | 2,855 |
| Noninterest income to average assets | 0.6784% | 2,782 |
| Noninterest expense to average assets | 4.5444% | 533 |
| Loan and lease loss provision to assets | 0.0168% | 5,456 |
| Net operating income to assets | -0.4179% | 6,696 |
| Return on assets (ROA) | -0.4179% | 6,740 |
| Pretax return on assets | -0.4171% | 6,706 |
| Return on Equity (ROE) | -4.9171% | 6,768 |
| Retained earnings to average equity (ytd only) | -4.9171% | 6,612 |
| Net charge-offs to loans | 0.1376% | 3,818 |
| Credit loss provision to net charge-offs | 18.6047% | 4,631 |
| Earnings coverage of net charge-offs (x) | -4.4326% | 5,442 |
| Efficiency ratio | 109.6594% | 335 |
| Assets per employee ($millions) | 3.8394% | 4,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2520% | 1,672 |
| Loan loss allowance to noncurrent loans | 33.1845% | 6,009 |
| Noncurrent assets plus other real estate owned to assets | 9.7718% | 278 |
| Noncurrent loans to loans | 6.7862% | 590 |
| Net loans and leases to total assets | 63.8888% | 3,061 |
| Net loans and leases to deposits | 70.1787% | 3,863 |
| Net loans and leases to core deposits | 73.5700% | 4,085 |
| Total domestic deposits to total assets | 91.0373% | 437 |
| Equity capital to assets | 8.6411% | 6,084 |
| Core capital (leverage) ratio | 8.2962% | 5,913 |
| Tier 1 risk-based capital ratio | 11.7093% | 6,103 |
| Total risk-based capital ratio | 12.9767% | 6,075 |
| Memoranda: | ||
| Average total assets | $476,144,000 | 1,407 |
| Average earning assets | $421,718,330 | 1,451 |
| Average equity | $40,471,330 | 1,726 |
| Average total loans | $312,521,670 | 1,355 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1632% | 5,234 |
| Cost of funding earning assets | 0.4140% | 6,341 |
| Net interest margin | 3.7492% | 3,600 |
| Noninterest income to average assets | 0.6598% | 2,868 |
| Noninterest expense to average assets | 4.7077% | 455 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.7478% | 6,932 |
| Return on assets (ROA) | -0.7478% | 6,952 |
| Pretax return on assets | -0.7478% | 6,914 |
| Return on Equity (ROE) | -8.8692% | 6,974 |
| Retained earnings to average equity (ytd only) | -8.8692% | 6,809 |
| Net charge-offs to loans | 0.2082% | 2,879 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -5.4606% | 4,669 |
| Efficiency ratio | 118.8849% | 228 |
| Assets per employee ($millions) | 4.0565% | 3,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1976% | 1,887 |
| Loan loss allowance to noncurrent loans | 33.0901% | 6,016 |
| Noncurrent assets plus other real estate owned to assets | 11.7114% | 217 |
| Noncurrent loans to loans | 6.6413% | 712 |
| Net loans and leases to total assets | 63.6683% | 2,914 |
| Net loans and leases to deposits | 69.7204% | 3,763 |
| Net loans and leases to core deposits | 72.9297% | 4,029 |
| Total domestic deposits to total assets | 91.3195% | 432 |
| Equity capital to assets | 8.3962% | 6,184 |
| Core capital (leverage) ratio | 8.1282% | 6,123 |
| Tier 1 risk-based capital ratio | 11.1268% | 6,481 |
| Total risk-based capital ratio | 12.3918% | 6,459 |
| Memoranda: | ||
| Average total assets | $481,931,000 | 1,401 |
| Average earning assets | $424,196,000 | 1,445 |
| Average equity | $40,635,000 | 1,711 |
| Average total loans | $316,959,500 | 1,337 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4066% | 5,396 |
| Cost of funding earning assets | 0.6154% | 6,006 |
| Net interest margin | 3.7911% | 3,872 |
| Noninterest income to average assets | 1.4871% | 589 |
| Noninterest expense to average assets | 4.0226% | 1,007 |
| Loan and lease loss provision to assets | 1.0618% | 866 |
| Net operating income to assets | -0.2534% | 6,302 |
| Return on assets (ROA) | -0.2534% | 6,362 |
| Pretax return on assets | -0.2528% | 6,323 |
| Return on Equity (ROE) | -3.0500% | 6,411 |
| Retained earnings to average equity (ytd only) | -3.0500% | 6,276 |
| Net charge-offs to loans | 1.6542% | 941 |
| Credit loss provision to net charge-offs | 97.3607% | 3,702 |
| Earnings coverage of net charge-offs (x) | 0.7418% | 5,250 |
| Efficiency ratio | 83.2563% | 1,854 |
| Assets per employee ($millions) | 3.9447% | 3,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1759% | 1,846 |
| Loan loss allowance to noncurrent loans | 28.4295% | 6,283 |
| Noncurrent assets plus other real estate owned to assets | 11.9093% | 214 |
| Noncurrent loans to loans | 7.6535% | 541 |
| Net loans and leases to total assets | 64.9840% | 2,989 |
| Net loans and leases to deposits | 71.2450% | 3,910 |
| Net loans and leases to core deposits | 74.8098% | 4,134 |
| Total domestic deposits to total assets | 91.2119% | 421 |
| Equity capital to assets | 8.4668% | 6,184 |
| Core capital (leverage) ratio | 8.2426% | 5,935 |
| Tier 1 risk-based capital ratio | 11.1132% | 6,396 |
| Total risk-based capital ratio | 12.3782% | 6,367 |
| Memoranda: | ||
| Average total assets | $528,064,200 | 1,266 |
| Average earning assets | $465,850,400 | 1,319 |
| Average equity | $43,868,200 | 1,542 |
| Average total loans | $348,145,600 | 1,217 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3509% | 5,770 |
| Cost of funding earning assets | 0.6659% | 5,957 |
| Net interest margin | 3.6851% | 4,404 |
| Noninterest income to average assets | 2.2660% | 311 |
| Noninterest expense to average assets | 3.8172% | 1,283 |
| Loan and lease loss provision to assets | 1.1772% | 670 |
| Net operating income to assets | 0.5222% | 4,446 |
| Return on assets (ROA) | 0.5222% | 4,632 |
| Pretax return on assets | 0.5229% | 5,069 |
| Return on Equity (ROE) | 6.3127% | 3,870 |
| Retained earnings to average equity (ytd only) | 6.3127% | 2,359 |
| Net charge-offs to loans | 0.7866% | 1,985 |
| Credit loss provision to net charge-offs | 227.3901% | 1,254 |
| Earnings coverage of net charge-offs (x) | 3.2839% | 3,504 |
| Efficiency ratio | 69.1859% | 4,096 |
| Assets per employee ($millions) | 4.0450% | 3,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9381% | 905 |
| Loan loss allowance to noncurrent loans | 33.8510% | 6,034 |
| Noncurrent assets plus other real estate owned to assets | 13.1938% | 185 |
| Noncurrent loans to loans | 8.6796% | 479 |
| Net loans and leases to total assets | 66.3471% | 2,816 |
| Net loans and leases to deposits | 73.3286% | 3,758 |
| Net loans and leases to core deposits | 76.9474% | 4,065 |
| Total domestic deposits to total assets | 90.4791% | 646 |
| Equity capital to assets | 9.1536% | 5,582 |
| Core capital (leverage) ratio | 8.5812% | 5,585 |
| Tier 1 risk-based capital ratio | 11.6901% | 6,116 |
| Total risk-based capital ratio | 12.9640% | 6,094 |
| Memoranda: | ||
| Average total assets | $538,782,250 | 1,235 |
| Average earning assets | $475,348,750 | 1,290 |
| Average equity | $44,565,250 | 1,525 |
| Average total loans | $354,604,500 | 1,206 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2768% | 6,088 |
| Cost of funding earning assets | 0.7393% | 5,741 |
| Net interest margin | 3.5376% | 4,984 |
| Noninterest income to average assets | 3.3158% | 197 |
| Noninterest expense to average assets | 3.7779% | 1,379 |
| Loan and lease loss provision to assets | 1.3328% | 554 |
| Net operating income to assets | 1.3360% | 1,225 |
| Return on assets (ROA) | 1.3360% | 1,300 |
| Pretax return on assets | 1.3371% | 2,011 |
| Return on Equity (ROE) | 16.6748% | 588 |
| Retained earnings to average equity (ytd only) | 16.6748% | 173 |
| Net charge-offs to loans | 0.4733% | 2,679 |
| Credit loss provision to net charge-offs | 432.7485% | 702 |
| Earnings coverage of net charge-offs (x) | 8.6690% | 2,020 |
| Efficiency ratio | 58.5922% | 6,088 |
| Assets per employee ($millions) | 4.3137% | 3,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8974% | 984 |
| Loan loss allowance to noncurrent loans | 35.6888% | 5,928 |
| Noncurrent assets plus other real estate owned to assets | 12.4359% | 236 |
| Noncurrent loans to loans | 8.1184% | 553 |
| Net loans and leases to total assets | 63.7453% | 3,519 |
| Net loans and leases to deposits | 70.1077% | 4,423 |
| Net loans and leases to core deposits | 74.4433% | 4,520 |
| Total domestic deposits to total assets | 90.9249% | 523 |
| Equity capital to assets | 8.7606% | 5,863 |
| Core capital (leverage) ratio | 8.1100% | 6,149 |
| Tier 1 risk-based capital ratio | 11.7071% | 6,003 |
| Total risk-based capital ratio | 12.9767% | 5,992 |
| Memoranda: | ||
| Average total assets | $555,226,670 | 1,210 |
| Average earning assets | $491,577,000 | 1,242 |
| Average equity | $44,486,330 | 1,513 |
| Average total loans | $361,284,330 | 1,200 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1925% | 6,295 |
| Cost of funding earning assets | 0.7740% | 5,722 |
| Net interest margin | 3.4184% | 5,355 |
| Noninterest income to average assets | 7.6952% | 89 |
| Noninterest expense to average assets | 3.9354% | 1,127 |
| Loan and lease loss provision to assets | 0.3160% | 2,648 |
| Net operating income to assets | 6.4827% | 40 |
| Return on assets (ROA) | 6.4827% | 42 |
| Pretax return on assets | 6.4827% | 54 |
| Return on Equity (ROE) | 84.5571% | 13 |
| Retained earnings to average equity (ytd only) | 84.5571% | 10 |
| Net charge-offs to loans | 0.7682% | 1,676 |
| Credit loss provision to net charge-offs | 63.4697% | 3,482 |
| Earnings coverage of net charge-offs (x) | 13.6573% | 1,419 |
| Efficiency ratio | 36.6627% | 7,435 |
| Assets per employee ($millions) | 4.6492% | 2,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9431% | 2,560 |
| Loan loss allowance to noncurrent loans | 21.7855% | 6,699 |
| Noncurrent assets plus other real estate owned to assets | 12.3237% | 249 |
| Noncurrent loans to loans | 8.9194% | 507 |
| Net loans and leases to total assets | 61.4414% | 3,975 |
| Net loans and leases to deposits | 67.4162% | 4,758 |
| Net loans and leases to core deposits | 71.9545% | 4,794 |
| Total domestic deposits to total assets | 91.1375% | 558 |
| Equity capital to assets | 8.5182% | 5,878 |
| Core capital (leverage) ratio | 8.3395% | 5,729 |
| Tier 1 risk-based capital ratio | 11.9489% | 5,741 |
| Total risk-based capital ratio | 13.2048% | 5,721 |
| Memoranda: | ||
| Average total assets | $569,703,000 | 1,182 |
| Average earning assets | $506,429,500 | 1,208 |
| Average equity | $43,677,000 | 1,525 |
| Average total loans | $369,184,000 | 1,193 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6237% | 6,044 |
| Cost of funding earning assets | 1.1709% | 4,723 |
| Net interest margin | 3.4529% | 5,420 |
| Noninterest income to average assets | -0.6242% | 7,584 |
| Noninterest expense to average assets | 3.3395% | 2,609 |
| Loan and lease loss provision to assets | 0.5359% | 3,007 |
| Net operating income to assets | -1.3975% | 6,874 |
| Return on assets (ROA) | -1.3926% | 6,890 |
| Pretax return on assets | -1.3915% | 6,816 |
| Return on Equity (ROE) | -18.5924% | 7,011 |
| Retained earnings to average equity (ytd only) | -18.5924% | 6,986 |
| Net charge-offs to loans | 0.7637% | 2,730 |
| Credit loss provision to net charge-offs | 101.9882% | 4,443 |
| Earnings coverage of net charge-offs (x) | -1.6378% | 6,685 |
| Efficiency ratio | 134.7116% | 283 |
| Assets per employee ($millions) | 4.6902% | 2,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8709% | 2,639 |
| Loan loss allowance to noncurrent loans | 24.4148% | 6,629 |
| Noncurrent assets plus other real estate owned to assets | 10.8936% | 355 |
| Noncurrent loans to loans | 7.6632% | 693 |
| Net loans and leases to total assets | 65.6759% | 3,530 |
| Net loans and leases to deposits | 70.7175% | 4,724 |
| Net loans and leases to core deposits | 76.3255% | 4,652 |
| Total domestic deposits to total assets | 92.8708% | 151 |
| Equity capital to assets | 6.8225% | 7,168 |
| Core capital (leverage) ratio | 6.5570% | 7,184 |
| Tier 1 risk-based capital ratio | 9.1272% | 7,217 |
| Total risk-based capital ratio | 10.3833% | 7,220 |
| Memoranda: | ||
| Average total assets | $612,663,600 | 1,088 |
| Average earning assets | $550,614,000 | 1,103 |
| Average equity | $45,889,600 | 1,463 |
| Average total loans | $421,524,000 | 1,060 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6477% | 6,199 |
| Cost of funding earning assets | 1.2412% | 4,617 |
| Net interest margin | 3.4066% | 5,656 |
| Noninterest income to average assets | 0.5442% | 3,835 |
| Noninterest expense to average assets | 3.2496% | 2,744 |
| Loan and lease loss provision to assets | 0.4072% | 3,459 |
| Net operating income to assets | -0.0480% | 6,094 |
| Return on assets (ROA) | -0.0415% | 6,194 |
| Pretax return on assets | -0.0407% | 6,153 |
| Return on Equity (ROE) | -0.5434% | 6,225 |
| Retained earnings to average equity (ytd only) | -0.5434% | 5,929 |
| Net charge-offs to loans | 0.7276% | 2,605 |
| Credit loss provision to net charge-offs | 80.8330% | 5,105 |
| Earnings coverage of net charge-offs (x) | 0.7148% | 5,340 |
| Efficiency ratio | 90.0243% | 1,289 |
| Assets per employee ($millions) | 4.7581% | 2,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6575% | 3,309 |
| Loan loss allowance to noncurrent loans | 30.3086% | 6,316 |
| Noncurrent assets plus other real estate owned to assets | 10.3677% | 375 |
| Noncurrent loans to loans | 5.4689% | 1,214 |
| Net loans and leases to total assets | 66.3361% | 3,610 |
| Net loans and leases to deposits | 72.3733% | 4,780 |
| Net loans and leases to core deposits | 78.3529% | 4,763 |
| Total domestic deposits to total assets | 91.6583% | 264 |
| Equity capital to assets | 8.0626% | 6,748 |
| Core capital (leverage) ratio | 7.7137% | 6,660 |
| Tier 1 risk-based capital ratio | 10.4489% | 6,806 |
| Total risk-based capital ratio | 11.7057% | 6,799 |
| Memoranda: | ||
| Average total assets | $622,779,750 | 1,077 |
| Average earning assets | $560,434,250 | 1,081 |
| Average equity | $47,602,500 | 1,415 |
| Average total loans | $431,164,500 | 1,043 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6489% | 6,316 |
| Cost of funding earning assets | 1.3374% | 4,280 |
| Net interest margin | 3.3114% | 5,976 |
| Noninterest income to average assets | 0.5205% | 3,952 |
| Noninterest expense to average assets | 3.1602% | 3,050 |
| Loan and lease loss provision to assets | 0.5157% | 2,736 |
| Net operating income to assets | -0.1595% | 6,305 |
| Return on assets (ROA) | -0.1519% | 6,357 |
| Pretax return on assets | -0.1506% | 6,291 |
| Return on Equity (ROE) | -2.0217% | 6,422 |
| Retained earnings to average equity (ytd only) | -2.0217% | 6,149 |
| Net charge-offs to loans | 0.8949% | 2,046 |
| Credit loss provision to net charge-offs | 82.5735% | 4,637 |
| Earnings coverage of net charge-offs (x) | 0.5724% | 5,165 |
| Efficiency ratio | 89.8363% | 1,344 |
| Assets per employee ($millions) | 4.8599% | 2,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6346% | 3,312 |
| Loan loss allowance to noncurrent loans | 30.5401% | 6,330 |
| Noncurrent assets plus other real estate owned to assets | 10.0607% | 403 |
| Noncurrent loans to loans | 5.3522% | 1,249 |
| Net loans and leases to total assets | 66.4045% | 3,749 |
| Net loans and leases to deposits | 72.2858% | 4,954 |
| Net loans and leases to core deposits | 78.0519% | 4,942 |
| Total domestic deposits to total assets | 91.8638% | 246 |
| Equity capital to assets | 7.7629% | 6,954 |
| Core capital (leverage) ratio | 7.3533% | 6,953 |
| Tier 1 risk-based capital ratio | 10.1100% | 6,964 |
| Total risk-based capital ratio | 11.3657% | 6,932 |
| Memoranda: | ||
| Average total assets | $632,117,000 | 1,069 |
| Average earning assets | $572,140,670 | 1,071 |
| Average equity | $47,485,330 | 1,413 |
| Average total loans | $441,154,000 | 1,030 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5837% | 6,602 |
| Cost of funding earning assets | 1.5168% | 3,445 |
| Net interest margin | 3.0669% | 6,677 |
| Noninterest income to average assets | 0.3265% | 5,534 |
| Noninterest expense to average assets | 2.9464% | 3,873 |
| Loan and lease loss provision to assets | 0.7252% | 1,753 |
| Net operating income to assets | -0.5421% | 6,859 |
| Return on assets (ROA) | -0.5421% | 6,893 |
| Pretax return on assets | -0.5421% | 6,814 |
| Return on Equity (ROE) | -7.3325% | 7,021 |
| Retained earnings to average equity (ytd only) | -7.3325% | 6,773 |
| Net charge-offs to loans | 0.1978% | 3,722 |
| Credit loss provision to net charge-offs | 517.3333% | 815 |
| Earnings coverage of net charge-offs (x) | 1.3067% | 3,965 |
| Efficiency ratio | 94.1469% | 1,127 |
| Assets per employee ($millions) | 5.1480% | 2,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8049% | 2,716 |
| Loan loss allowance to noncurrent loans | 20.4648% | 6,982 |
| Noncurrent assets plus other real estate owned to assets | 10.5424% | 361 |
| Noncurrent loans to loans | 8.8194% | 567 |
| Net loans and leases to total assets | 67.9752% | 3,394 |
| Net loans and leases to deposits | 73.6203% | 4,803 |
| Net loans and leases to core deposits | 79.5501% | 4,821 |
| Total domestic deposits to total assets | 92.3322% | 187 |
| Equity capital to assets | 7.3048% | 7,209 |
| Core capital (leverage) ratio | 7.1273% | 7,158 |
| Tier 1 risk-based capital ratio | 9.5784% | 7,264 |
| Total risk-based capital ratio | 10.8342% | 7,252 |
| Memoranda: | ||
| Average total assets | $642,000,500 | 1,078 |
| Average earning assets | $586,773,000 | 1,066 |
| Average equity | $47,460,000 | 1,417 |
| Average total loans | $455,038,500 | 1,034 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0372% | 6,315 |
| Cost of funding earning assets | 1.9084% | 3,420 |
| Net interest margin | 3.1289% | 6,285 |
| Noninterest income to average assets | 0.3653% | 5,474 |
| Noninterest expense to average assets | 2.9523% | 4,333 |
| Loan and lease loss provision to assets | 3.0909% | 549 |
| Net operating income to assets | -2.7616% | 7,341 |
| Return on assets (ROA) | -2.7568% | 7,352 |
| Pretax return on assets | -2.7661% | 7,227 |
| Return on Equity (ROE) | -34.6827% | 7,484 |
| Retained earnings to average equity (ytd only) | -37.3026% | 7,517 |
| Net charge-offs to loans | 3.8582% | 441 |
| Credit loss provision to net charge-offs | 100.9304% | 5,467 |
| Earnings coverage of net charge-offs (x) | 0.1045% | 6,054 |
| Efficiency ratio | 90.2208% | 1,691 |
| Assets per employee ($millions) | 5.0833% | 2,107 |
| Cash dividends to net income (ytd only)* | -7.5540% | 7,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5284% | 3,584 |
| Loan loss allowance to noncurrent loans | 15.8416% | 7,221 |
| Noncurrent assets plus other real estate owned to assets | 10.1851% | 358 |
| Noncurrent loans to loans | 9.6477% | 446 |
| Net loans and leases to total assets | 71.4308% | 2,902 |
| Net loans and leases to deposits | 77.5734% | 4,458 |
| Net loans and leases to core deposits | 90.4071% | 5,080 |
| Total domestic deposits to total assets | 92.0817% | 249 |
| Equity capital to assets | 7.4807% | 7,050 |
| Core capital (leverage) ratio | 7.2961% | 6,990 |
| Tier 1 risk-based capital ratio | 9.5055% | 7,221 |
| Total risk-based capital ratio | 10.7578% | 7,196 |
| Memoranda: | ||
| Average total assets | $635,292,600 | 1,091 |
| Average earning assets | $590,247,800 | 1,065 |
| Average equity | $50,497,800 | 1,325 |
| Average total loans | $504,244,400 | 947 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1181% | 6,204 |
| Cost of funding earning assets | 1.9354% | 3,683 |
| Net interest margin | 3.1827% | 6,080 |
| Noninterest income to average assets | 0.3678% | 5,565 |
| Noninterest expense to average assets | 2.7792% | 4,980 |
| Loan and lease loss provision to assets | 2.3752% | 714 |
| Net operating income to assets | -1.8202% | 7,244 |
| Return on assets (ROA) | -1.8181% | 7,241 |
| Pretax return on assets | -1.8181% | 7,095 |
| Return on Equity (ROE) | -22.5372% | 7,456 |
| Retained earnings to average equity (ytd only) | -25.9862% | 7,507 |
| Net charge-offs to loans | 2.9451% | 578 |
| Credit loss provision to net charge-offs | 99.4453% | 5,141 |
| Earnings coverage of net charge-offs (x) | 0.2324% | 5,785 |
| Efficiency ratio | 83.3544% | 2,376 |
| Assets per employee ($millions) | 5.1345% | 1,986 |
| Cash dividends to net income (ytd only)* | -15.3037% | 7,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3931% | 3,988 |
| Loan loss allowance to noncurrent loans | 10.6789% | 7,439 |
| Noncurrent assets plus other real estate owned to assets | 11.6578% | 247 |
| Noncurrent loans to loans | 13.0456% | 222 |
| Net loans and leases to total assets | 74.4310% | 2,400 |
| Net loans and leases to deposits | 80.5804% | 4,284 |
| Net loans and leases to core deposits | 94.9947% | 4,929 |
| Total domestic deposits to total assets | 92.3687% | 131 |
| Equity capital to assets | 7.2114% | 7,481 |
| Core capital (leverage) ratio | 7.1629% | 7,298 |
| Tier 1 risk-based capital ratio | 8.9448% | 7,643 |
| Total risk-based capital ratio | 10.1971% | 7,661 |
| Memoranda: | ||
| Average total assets | $633,990,250 | 1,108 |
| Average earning assets | $590,884,000 | 1,082 |
| Average equity | $51,143,750 | 1,323 |
| Average total loans | $514,151,250 | 943 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4670% | 4,801 |
| Cost of funding earning assets | 1.9901% | 3,824 |
| Net interest margin | 3.4769% | 4,911 |
| Noninterest income to average assets | 0.3618% | 5,619 |
| Noninterest expense to average assets | 2.6960% | 5,397 |
| Loan and lease loss provision to assets | 3.5970% | 386 |
| Net operating income to assets | -2.6912% | 7,609 |
| Return on assets (ROA) | -2.6881% | 7,598 |
| Pretax return on assets | -2.6881% | 7,470 |
| Return on Equity (ROE) | -32.1420% | 7,744 |
| Retained earnings to average equity (ytd only) | -37.1803% | 7,798 |
| Net charge-offs to loans | 4.3197% | 309 |
| Credit loss provision to net charge-offs | 100.2752% | 4,550 |
| Earnings coverage of net charge-offs (x) | 0.2525% | 5,419 |
| Efficiency ratio | 74.8519% | 3,899 |
| Assets per employee ($millions) | 4.8328% | 2,280 |
| Cash dividends to net income (ytd only)* | -15.6754% | 7,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3904% | 3,778 |
| Loan loss allowance to noncurrent loans | 21.0770% | 7,073 |
| Noncurrent assets plus other real estate owned to assets | 7.6830% | 510 |
| Noncurrent loans to loans | 6.5967% | 786 |
| Net loans and leases to total assets | 79.0762% | 1,504 |
| Net loans and leases to deposits | 85.9377% | 3,565 |
| Net loans and leases to core deposits | 102.8775% | 4,196 |
| Total domestic deposits to total assets | 92.0158% | 209 |
| Equity capital to assets | 7.4809% | 7,284 |
| Core capital (leverage) ratio | 7.3094% | 7,230 |
| Tier 1 risk-based capital ratio | 8.7728% | 7,793 |
| Total risk-based capital ratio | 10.0237% | 7,835 |
| Memoranda: | ||
| Average total assets | $627,961,670 | 1,138 |
| Average earning assets | $585,184,330 | 1,110 |
| Average equity | $52,517,000 | 1,292 |
| Average total loans | $521,467,000 | 946 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6130% | 4,277 |
| Cost of funding earning assets | 2.1075% | 3,616 |
| Net interest margin | 3.5055% | 4,710 |
| Noninterest income to average assets | 0.3377% | 5,756 |
| Noninterest expense to average assets | 2.6886% | 5,060 |
| Loan and lease loss provision to assets | 0.9203% | 1,415 |
| Net operating income to assets | 0.0057% | 6,240 |
| Return on assets (ROA) | 0.0057% | 6,392 |
| Pretax return on assets | 0.0057% | 6,362 |
| Return on Equity (ROE) | 0.0649% | 6,397 |
| Retained earnings to average equity (ytd only) | -7.1479% | 6,810 |
| Net charge-offs to loans | 1.1191% | 1,220 |
| Credit loss provision to net charge-offs | 97.3808% | 3,855 |
| Earnings coverage of net charge-offs (x) | 0.9799% | 4,283 |
| Efficiency ratio | 74.3810% | 3,757 |
| Assets per employee ($millions) | 4.6843% | 2,459 |
| Cash dividends to net income (ytd only)* | 11,111.1111% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3039% | 4,053 |
| Loan loss allowance to noncurrent loans | 32.8527% | 6,348 |
| Noncurrent assets plus other real estate owned to assets | 4.6469% | 1,016 |
| Noncurrent loans to loans | 3.9689% | 1,524 |
| Net loans and leases to total assets | 82.3621% | 956 |
| Net loans and leases to deposits | 90.8364% | 2,804 |
| Net loans and leases to core deposits | 109.0766% | 3,554 |
| Total domestic deposits to total assets | 90.6709% | 527 |
| Equity capital to assets | 8.7638% | 5,675 |
| Core capital (leverage) ratio | 8.5428% | 5,447 |
| Tier 1 risk-based capital ratio | 11.0369% | 5,877 |
| Total risk-based capital ratio | 12.2885% | 5,779 |
| Memoranda: | ||
| Average total assets | $630,228,000 | 1,132 |
| Average earning assets | $589,130,500 | 1,106 |
| Average equity | $55,456,500 | 1,229 |
| Average total loans | $532,233,000 | 940 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4736% | 3,096 |
| Cost of funding earning assets | 2.1363% | 5,899 |
| Net interest margin | 4.3373% | 1,864 |
| Noninterest income to average assets | 0.4137% | 5,359 |
| Noninterest expense to average assets | 3.3369% | 2,847 |
| Loan and lease loss provision to assets | 0.9647% | 1,528 |
| Net operating income to assets | 0.1529% | 5,977 |
| Return on assets (ROA) | 0.1532% | 5,800 |
| Pretax return on assets | 0.1604% | 5,817 |
| Return on Equity (ROE) | 1.6630% | 5,719 |
| Retained earnings to average equity (ytd only) | -2.3607% | 5,970 |
| Net charge-offs to loans | 0.5038% | 2,346 |
| Credit loss provision to net charge-offs | 226.3625% | 2,097 |
| Earnings coverage of net charge-offs (x) | 2.6392% | 4,768 |
| Efficiency ratio | 74.7912% | 3,442 |
| Assets per employee ($millions) | 4.6871% | 2,347 |
| Cash dividends to net income (ytd only)* | 241.9506% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2893% | 3,866 |
| Loan loss allowance to noncurrent loans | 37.0529% | 6,257 |
| Noncurrent assets plus other real estate owned to assets | 3.2671% | 1,386 |
| Noncurrent loans to loans | 3.4795% | 1,455 |
| Net loans and leases to total assets | 84.3566% | 829 |
| Net loans and leases to deposits | 93.2435% | 2,913 |
| Net loans and leases to core deposits | 112.1151% | 3,546 |
| Total domestic deposits to total assets | 90.4691% | 506 |
| Equity capital to assets | 8.8353% | 5,592 |
| Core capital (leverage) ratio | 9.1582% | 4,508 |
| Tier 1 risk-based capital ratio | 11.1581% | 5,590 |
| Total risk-based capital ratio | 12.4098% | 5,473 |
| Memoranda: | ||
| Average total assets | $555,419,200 | 1,224 |
| Average earning assets | $518,363,000 | 1,194 |
| Average equity | $51,171,600 | 1,320 |
| Average total loans | $469,852,600 | 1,030 |