Home > Rock Canyon Bank > Performance and Condition Ratios
Rock Canyon Bank, Performance and Condition Ratios
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5430% | 350 |
| Cost of funding earning assets | 0.3738% | 1,088 |
| Net interest margin | 4.1692% | 353 |
| Noninterest income to average assets | 1.2823% | 435 |
| Noninterest expense to average assets | 3.1716% | 659 |
| Loan and lease loss provision to assets | 0.0709% | 1,350 |
| Net operating income to assets | 1.5133% | 685 |
| Return on assets (ROA) | 1.5108% | 667 |
| Pretax return on assets | 2.0124% | 369 |
| Return on Equity (ROE) | 16.4074% | 645 |
| Retained earnings to average equity (ytd only) | 16.4074% | 172 |
| Net charge-offs to loans | 0.1129% | 536 |
| Credit loss provision to net charge-offs | 103.2143% | 1,257 |
| Earnings coverage of net charge-offs (x) | 30.3929% | 1,382 |
| Efficiency ratio | 60.3189% | 3,259 |
| Assets per employee ($millions) | 5.7971% | 2,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9540% | 3,780 |
| Loan loss allowance to noncurrent loans | 88.1870% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 0.6808% | 803 |
| Noncurrent loans to loans | 1.0818% | 765 |
| Net loans and leases to total assets | 62.3294% | 2,087 |
| Net loans and leases to deposits | 69.4570% | 2,264 |
| Net loans and leases to core deposits | 74.5173% | 2,125 |
| Total domestic deposits to total assets | 89.7380% | 1,829 |
| Equity capital to assets | 9.4580% | 2,051 |
| Core capital (leverage) ratio | 9.4976% | 2,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $815,739,333 | 1,175 |
| Average earning assets | $777,898,000 | 1,152 |
| Average equity | $75,112,667 | 1,227 |
| Average total loans | $496,180,333 | 1,176 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4213% | 367 |
| Cost of funding earning assets | 0.3816% | 978 |
| Net interest margin | 4.0397% | 389 |
| Noninterest income to average assets | 1.8571% | 269 |
| Noninterest expense to average assets | 2.9960% | 819 |
| Loan and lease loss provision to assets | 0.0335% | 1,762 |
| Net operating income to assets | 2.0168% | 214 |
| Return on assets (ROA) | 2.0152% | 214 |
| Pretax return on assets | 2.6847% | 139 |
| Return on Equity (ROE) | 22.1913% | 149 |
| Retained earnings to average equity (ytd only) | 22.1913% | 68 |
| Net charge-offs to loans | -0.0025% | 3,142 |
| Credit loss provision to net charge-offs | -2,266.6667% | 3,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4130% | 4,172 |
| Assets per employee ($millions) | 5.2236% | 3,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0509% | 3,528 |
| Loan loss allowance to noncurrent loans | 634.2205% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.0974% | 3,123 |
| Noncurrent loans to loans | 0.1657% | 2,983 |
| Net loans and leases to total assets | 58.1895% | 2,279 |
| Net loans and leases to deposits | 64.7410% | 2,458 |
| Net loans and leases to core deposits | 69.5791% | 2,328 |
| Total domestic deposits to total assets | 89.8803% | 1,637 |
| Equity capital to assets | 9.3602% | 2,397 |
| Core capital (leverage) ratio | 9.1538% | 3,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $812,016,500 | 1,181 |
| Average earning assets | $775,699,500 | 1,161 |
| Average equity | $73,740,500 | 1,277 |
| Average total loans | $485,256,500 | 1,187 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7590% | 387 |
| Cost of funding earning assets | 0.4511% | 1,194 |
| Net interest margin | 4.3078% | 399 |
| Noninterest income to average assets | 1.7001% | 398 |
| Noninterest expense to average assets | 4.1225% | 267 |
| Loan and lease loss provision to assets | 0.0356% | 2,338 |
| Net operating income to assets | 1.3039% | 1,585 |
| Return on assets (ROA) | 1.3068% | 1,621 |
| Pretax return on assets | 1.6617% | 1,234 |
| Return on Equity (ROE) | 14.2942% | 1,106 |
| Retained earnings to average equity (ytd only) | 14.2942% | 283 |
| Net charge-offs to loans | -0.0004% | 3,227 |
| Credit loss provision to net charge-offs | -13,200.0000% | 4,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8806% | 1,631 |
| Assets per employee ($millions) | 5.2203% | 3,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9978% | 3,764 |
| Loan loss allowance to noncurrent loans | 295.3892% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.2051% | 2,542 |
| Noncurrent loans to loans | 0.3378% | 2,374 |
| Net loans and leases to total assets | 60.1001% | 2,151 |
| Net loans and leases to deposits | 66.4063% | 2,475 |
| Net loans and leases to core deposits | 71.3690% | 2,314 |
| Total domestic deposits to total assets | 90.5036% | 714 |
| Equity capital to assets | 8.8037% | 3,800 |
| Core capital (leverage) ratio | 8.8513% | 3,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $741,895,200 | 1,234 |
| Average earning assets | $708,869,600 | 1,206 |
| Average equity | $67,824,800 | 1,386 |
| Average total loans | $467,742,400 | 1,224 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8711% | 367 |
| Cost of funding earning assets | 0.4647% | 1,257 |
| Net interest margin | 4.4064% | 370 |
| Noninterest income to average assets | 1.9659% | 364 |
| Noninterest expense to average assets | 3.5310% | 445 |
| Loan and lease loss provision to assets | 0.0486% | 2,028 |
| Net operating income to assets | 1.9411% | 515 |
| Return on assets (ROA) | 1.9440% | 536 |
| Pretax return on assets | 2.5906% | 286 |
| Return on Equity (ROE) | 21.0453% | 354 |
| Retained earnings to average equity (ytd only) | 21.0453% | 101 |
| Net charge-offs to loans | 0.0003% | 2,451 |
| Credit loss provision to net charge-offs | 26,400.0000% | 26 |
| Earnings coverage of net charge-offs (x) | 14,307.0000% | 5 |
| Efficiency ratio | 57.2606% | 3,389 |
| Assets per employee ($millions) | 5.2060% | 3,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0933% | 3,471 |
| Loan loss allowance to noncurrent loans | 177.4019% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 0.3631% | 1,988 |
| Noncurrent loans to loans | 0.6163% | 1,772 |
| Net loans and leases to total assets | 58.2788% | 2,449 |
| Net loans and leases to deposits | 64.8988% | 2,744 |
| Net loans and leases to core deposits | 70.6144% | 2,540 |
| Total domestic deposits to total assets | 89.7995% | 864 |
| Equity capital to assets | 9.3697% | 3,492 |
| Core capital (leverage) ratio | 9.5136% | 3,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $723,776,250 | 1,275 |
| Average earning assets | $689,982,000 | 1,252 |
| Average equity | $66,857,250 | 1,410 |
| Average total loans | $461,085,250 | 1,257 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8912% | 411 |
| Cost of funding earning assets | 0.4705% | 1,379 |
| Net interest margin | 4.4207% | 405 |
| Noninterest income to average assets | 2.0421% | 316 |
| Noninterest expense to average assets | 3.4392% | 509 |
| Loan and lease loss provision to assets | 0.0744% | 1,589 |
| Net operating income to assets | 2.0541% | 446 |
| Return on assets (ROA) | 2.0568% | 465 |
| Pretax return on assets | 2.7408% | 250 |
| Return on Equity (ROE) | 22.3815% | 297 |
| Retained earnings to average equity (ytd only) | 22.3815% | 102 |
| Net charge-offs to loans | 0.0004% | 2,236 |
| Credit loss provision to net charge-offs | 26,400.0000% | 16 |
| Earnings coverage of net charge-offs (x) | 9,981.0000% | 7 |
| Efficiency ratio | 55.0183% | 3,674 |
| Assets per employee ($millions) | 5.0492% | 3,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0809% | 3,496 |
| Loan loss allowance to noncurrent loans | 1,293.9633% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.0506% | 3,915 |
| Noncurrent loans to loans | 0.0835% | 3,773 |
| Net loans and leases to total assets | 59.9694% | 2,431 |
| Net loans and leases to deposits | 66.6210% | 2,767 |
| Net loans and leases to core deposits | 72.5700% | 2,556 |
| Total domestic deposits to total assets | 90.0158% | 768 |
| Equity capital to assets | 9.0987% | 3,711 |
| Core capital (leverage) ratio | 9.3435% | 3,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $709,939,333 | 1,288 |
| Average earning assets | $675,914,000 | 1,265 |
| Average equity | $65,241,333 | 1,430 |
| Average total loans | $464,470,333 | 1,258 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0563% | 326 |
| Cost of funding earning assets | 0.4874% | 1,472 |
| Net interest margin | 4.5689% | 326 |
| Noninterest income to average assets | 2.8760% | 215 |
| Noninterest expense to average assets | 3.2250% | 692 |
| Loan and lease loss provision to assets | 0.1533% | 841 |
| Net operating income to assets | 2.8792% | 169 |
| Return on assets (ROA) | 2.8847% | 189 |
| Pretax return on assets | 3.8435% | 116 |
| Return on Equity (ROE) | 31.2216% | 121 |
| Retained earnings to average equity (ytd only) | 31.2216% | 70 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6993% | 4,543 |
| Assets per employee ($millions) | 4.6253% | 3,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0385% | 3,696 |
| Loan loss allowance to noncurrent loans | 355.2594% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.1949% | 3,190 |
| Noncurrent loans to loans | 0.2923% | 3,055 |
| Net loans and leases to total assets | 65.9652% | 1,803 |
| Net loans and leases to deposits | 73.5353% | 2,152 |
| Net loans and leases to core deposits | 80.5609% | 1,951 |
| Total domestic deposits to total assets | 89.7054% | 961 |
| Equity capital to assets | 9.2825% | 3,413 |
| Core capital (leverage) ratio | 9.5784% | 2,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $688,740,500 | 1,303 |
| Average earning assets | $654,071,500 | 1,286 |
| Average equity | $63,635,500 | 1,443 |
| Average total loans | $468,654,500 | 1,245 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1340% | 79 |
| Cost of funding earning assets | 0.7192% | 1,625 |
| Net interest margin | 5.4148% | 71 |
| Noninterest income to average assets | 2.2714% | 282 |
| Noninterest expense to average assets | 5.1081% | 183 |
| Loan and lease loss provision to assets | 0.1873% | 2,082 |
| Net operating income to assets | 1.5385% | 730 |
| Return on assets (ROA) | 1.5380% | 794 |
| Pretax return on assets | 2.0694% | 392 |
| Return on Equity (ROE) | 16.3747% | 464 |
| Retained earnings to average equity (ytd only) | 16.3747% | 113 |
| Net charge-offs to loans | 0.0305% | 2,419 |
| Credit loss provision to net charge-offs | 814.3885% | 887 |
| Earnings coverage of net charge-offs (x) | 98.1511% | 795 |
| Efficiency ratio | 69.3519% | 2,041 |
| Assets per employee ($millions) | 4.4643% | 3,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0091% | 3,832 |
| Loan loss allowance to noncurrent loans | 670.5460% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.1046% | 3,774 |
| Noncurrent loans to loans | 0.1505% | 3,684 |
| Net loans and leases to total assets | 68.8295% | 1,717 |
| Net loans and leases to deposits | 76.4685% | 2,232 |
| Net loans and leases to core deposits | 84.6317% | 1,980 |
| Total domestic deposits to total assets | 90.0103% | 562 |
| Equity capital to assets | 9.1932% | 3,896 |
| Core capital (leverage) ratio | 9.0332% | 3,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $604,372,000 | 1,322 |
| Average earning assets | $568,567,000 | 1,311 |
| Average equity | $56,764,400 | 1,507 |
| Average total loans | $455,015,400 | 1,217 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4446% | 66 |
| Cost of funding earning assets | 0.7523% | 1,731 |
| Net interest margin | 5.6923% | 62 |
| Noninterest income to average assets | 1.9446% | 330 |
| Noninterest expense to average assets | 4.3133% | 288 |
| Loan and lease loss provision to assets | 0.1451% | 2,570 |
| Net operating income to assets | 2.1196% | 232 |
| Return on assets (ROA) | 2.1180% | 248 |
| Pretax return on assets | 2.8247% | 138 |
| Return on Equity (ROE) | 22.4159% | 165 |
| Retained earnings to average equity (ytd only) | 22.4159% | 61 |
| Net charge-offs to loans | -0.0062% | 4,105 |
| Credit loss provision to net charge-offs | -3,052.3810% | 4,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2073% | 3,495 |
| Assets per employee ($millions) | 4.8348% | 3,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8581% | 4,202 |
| Loan loss allowance to noncurrent loans | 862.0278% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.0796% | 4,034 |
| Noncurrent loans to loans | 0.0995% | 3,978 |
| Net loans and leases to total assets | 75.6316% | 1,141 |
| Net loans and leases to deposits | 84.0184% | 1,912 |
| Net loans and leases to core deposits | 93.0235% | 1,707 |
| Total domestic deposits to total assets | 90.0180% | 420 |
| Equity capital to assets | 9.1524% | 3,998 |
| Core capital (leverage) ratio | 9.5302% | 3,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $589,169,000 | 1,331 |
| Average earning assets | $552,756,250 | 1,320 |
| Average equity | $55,667,500 | 1,522 |
| Average total loans | $453,141,750 | 1,212 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9720% | 64 |
| Cost of funding earning assets | 0.8016% | 1,818 |
| Net interest margin | 6.1703% | 55 |
| Noninterest income to average assets | 1.5327% | 438 |
| Noninterest expense to average assets | 4.1447% | 347 |
| Loan and lease loss provision to assets | 0.2270% | 1,848 |
| Net operating income to assets | 2.2247% | 216 |
| Return on assets (ROA) | 2.2222% | 239 |
| Pretax return on assets | 2.9637% | 121 |
| Return on Equity (ROE) | 23.2340% | 139 |
| Retained earnings to average equity (ytd only) | 23.2340% | 63 |
| Net charge-offs to loans | -0.0092% | 4,186 |
| Credit loss provision to net charge-offs | -3,205.0000% | 4,013 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4783% | 3,887 |
| Assets per employee ($millions) | 4.5636% | 3,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9034% | 3,986 |
| Loan loss allowance to noncurrent loans | 782.4910% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.1532% | 3,756 |
| Noncurrent loans to loans | 0.1155% | 3,988 |
| Net loans and leases to total assets | 74.4234% | 1,353 |
| Net loans and leases to deposits | 82.5772% | 2,142 |
| Net loans and leases to core deposits | 91.5858% | 1,942 |
| Total domestic deposits to total assets | 90.1259% | 370 |
| Equity capital to assets | 9.0059% | 4,083 |
| Core capital (leverage) ratio | 9.3476% | 3,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $564,768,333 | 1,362 |
| Average earning assets | $531,414,000 | 1,345 |
| Average equity | $54,015,667 | 1,558 |
| Average total loans | $435,756,333 | 1,242 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6098% | 77 |
| Cost of funding earning assets | 0.9314% | 1,732 |
| Net interest margin | 5.6784% | 70 |
| Noninterest income to average assets | 1.0589% | 761 |
| Noninterest expense to average assets | 3.8787% | 573 |
| Loan and lease loss provision to assets | 0.4859% | 607 |
| Net operating income to assets | 1.5086% | 765 |
| Return on assets (ROA) | 1.5009% | 855 |
| Pretax return on assets | 2.0034% | 444 |
| Return on Equity (ROE) | 15.1567% | 529 |
| Retained earnings to average equity (ytd only) | 15.1567% | 183 |
| Net charge-offs to loans | 0.0029% | 2,493 |
| Credit loss provision to net charge-offs | 21,366.6667% | 30 |
| Earnings coverage of net charge-offs (x) | 1,099.0000% | 47 |
| Efficiency ratio | 60.8153% | 3,639 |
| Assets per employee ($millions) | 3.7536% | 4,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0260% | 3,567 |
| Loan loss allowance to noncurrent loans | 462.6609% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.3297% | 3,125 |
| Noncurrent loans to loans | 0.2218% | 3,688 |
| Net loans and leases to total assets | 75.9044% | 1,322 |
| Net loans and leases to deposits | 84.6656% | 2,144 |
| Net loans and leases to core deposits | 97.7718% | 1,658 |
| Total domestic deposits to total assets | 89.6520% | 430 |
| Equity capital to assets | 9.7155% | 4,028 |
| Core capital (leverage) ratio | 10.1367% | 3,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $527,700,000 | 1,403 |
| Average earning assets | $494,294,000 | 1,396 |
| Average equity | $52,254,000 | 1,590 |
| Average total loans | $413,719,500 | 1,261 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3145% | 61 |
| Cost of funding earning assets | 0.8392% | 2,492 |
| Net interest margin | 6.4752% | 49 |
| Noninterest income to average assets | 1.6834% | 340 |
| Noninterest expense to average assets | 5.1954% | 187 |
| Loan and lease loss provision to assets | 0.2531% | 716 |
| Net operating income to assets | 1.6105% | 819 |
| Return on assets (ROA) | 1.6119% | 872 |
| Pretax return on assets | 2.1529% | 425 |
| Return on Equity (ROE) | 15.1088% | 674 |
| Retained earnings to average equity (ytd only) | 14.5931% | 104 |
| Net charge-offs to loans | 0.1713% | 1,177 |
| Credit loss provision to net charge-offs | 176.3804% | 1,474 |
| Earnings coverage of net charge-offs (x) | 16.7546% | 2,146 |
| Efficiency ratio | 68.3637% | 2,408 |
| Assets per employee ($millions) | 3.6501% | 4,322 |
| Cash dividends to net income (ytd only)* | 3.4134% | 3,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9024% | 3,949 |
| Loan loss allowance to noncurrent loans | 596.4286% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.2939% | 3,258 |
| Noncurrent loans to loans | 0.1513% | 3,921 |
| Net loans and leases to total assets | 79.5226% | 850 |
| Net loans and leases to deposits | 89.1320% | 1,684 |
| Net loans and leases to core deposits | 102.8101% | 1,332 |
| Total domestic deposits to total assets | 89.2189% | 586 |
| Equity capital to assets | 10.1039% | 3,827 |
| Core capital (leverage) ratio | 10.2773% | 3,212 |
| Tier 1 risk-based capital ratio | 11.7267% | 4,507 |
| Total risk-based capital ratio | 12.5671% | 4,613 |
| Memoranda: | ||
| Average total assets | $454,365,800 | 1,538 |
| Average earning assets | $415,136,000 | 1,569 |
| Average equity | $48,475,000 | 1,647 |
| Average total loans | $380,621,000 | 1,323 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4312% | 57 |
| Cost of funding earning assets | 0.7854% | 2,784 |
| Net interest margin | 6.6458% | 45 |
| Noninterest income to average assets | 1.8011% | 312 |
| Noninterest expense to average assets | 4.6224% | 272 |
| Loan and lease loss provision to assets | 0.2757% | 562 |
| Net operating income to assets | 2.2047% | 273 |
| Return on assets (ROA) | 2.2047% | 282 |
| Pretax return on assets | 2.9413% | 126 |
| Return on Equity (ROE) | 20.3549% | 232 |
| Retained earnings to average equity (ytd only) | 20.3549% | 46 |
| Net charge-offs to loans | 0.0699% | 1,826 |
| Credit loss provision to net charge-offs | 465.3061% | 670 |
| Earnings coverage of net charge-offs (x) | 54.3003% | 1,133 |
| Efficiency ratio | 58.9644% | 3,804 |
| Assets per employee ($millions) | 3.4898% | 4,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9704% | 3,732 |
| Loan loss allowance to noncurrent loans | 359.0406% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.5084% | 2,489 |
| Noncurrent loans to loans | 0.2703% | 3,571 |
| Net loans and leases to total assets | 84.3051% | 315 |
| Net loans and leases to deposits | 95.5205% | 1,071 |
| Net loans and leases to core deposits | 107.6331% | 1,075 |
| Total domestic deposits to total assets | 88.2586% | 935 |
| Equity capital to assets | 10.9280% | 3,163 |
| Core capital (leverage) ratio | 11.3992% | 2,300 |
| Tier 1 risk-based capital ratio | 11.8015% | 4,515 |
| Total risk-based capital ratio | 12.6950% | 4,597 |
| Memoranda: | ||
| Average total assets | $441,114,750 | 1,595 |
| Average earning assets | $400,784,500 | 1,622 |
| Average equity | $47,777,750 | 1,669 |
| Average total loans | $373,989,250 | 1,353 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3815% | 57 |
| Cost of funding earning assets | 0.7700% | 2,806 |
| Net interest margin | 6.6115% | 47 |
| Noninterest income to average assets | 2.0988% | 248 |
| Noninterest expense to average assets | 4.5849% | 283 |
| Loan and lease loss provision to assets | 0.2746% | 542 |
| Net operating income to assets | 2.4332% | 168 |
| Return on assets (ROA) | 2.4332% | 173 |
| Pretax return on assets | 3.2465% | 98 |
| Return on Equity (ROE) | 22.5386% | 152 |
| Retained earnings to average equity (ytd only) | 22.5386% | 42 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5616% | 4,182 |
| Assets per employee ($millions) | 3.6574% | 4,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9779% | 3,751 |
| Loan loss allowance to noncurrent loans | 1,449.2308% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.3492% | 3,135 |
| Noncurrent loans to loans | 0.0675% | 4,380 |
| Net loans and leases to total assets | 84.8116% | 302 |
| Net loans and leases to deposits | 101.5263% | 573 |
| Net loans and leases to core deposits | 130.5879% | 315 |
| Total domestic deposits to total assets | 83.5365% | 3,037 |
| Equity capital to assets | 10.9889% | 3,071 |
| Core capital (leverage) ratio | 11.2691% | 2,360 |
| Tier 1 risk-based capital ratio | 11.8994% | 4,477 |
| Total risk-based capital ratio | 12.8078% | 4,548 |
| Memoranda: | ||
| Average total assets | $431,112,670 | 1,632 |
| Average earning assets | $391,711,000 | 1,673 |
| Average equity | $46,542,330 | 1,695 |
| Average total loans | $364,962,000 | 1,388 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3611% | 58 |
| Cost of funding earning assets | 0.7277% | 2,902 |
| Net interest margin | 6.6334% | 49 |
| Noninterest income to average assets | 1.0566% | 720 |
| Noninterest expense to average assets | 4.3857% | 338 |
| Loan and lease loss provision to assets | 0.3680% | 317 |
| Net operating income to assets | 1.7186% | 704 |
| Return on assets (ROA) | 1.7186% | 730 |
| Pretax return on assets | 2.2943% | 362 |
| Return on Equity (ROE) | 16.0724% | 580 |
| Retained earnings to average equity (ytd only) | 16.0724% | 220 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2258% | 3,498 |
| Assets per employee ($millions) | 3.6204% | 4,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9719% | 3,862 |
| Loan loss allowance to noncurrent loans | 1,431.3253% | 436 |
| Noncurrent assets plus other real estate owned to assets | 1.1868% | 1,129 |
| Noncurrent loans to loans | 0.0679% | 4,454 |
| Net loans and leases to total assets | 85.0006% | 279 |
| Net loans and leases to deposits | 101.5714% | 520 |
| Net loans and leases to core deposits | 127.3063% | 353 |
| Total domestic deposits to total assets | 83.6855% | 3,154 |
| Equity capital to assets | 10.7682% | 3,079 |
| Core capital (leverage) ratio | 10.9385% | 2,625 |
| Tier 1 risk-based capital ratio | 11.5084% | 4,741 |
| Total risk-based capital ratio | 12.4015% | 4,821 |
| Memoranda: | ||
| Average total assets | $421,737,500 | 1,678 |
| Average earning assets | $380,919,500 | 1,730 |
| Average equity | $45,096,000 | 1,731 |
| Average total loans | $354,791,000 | 1,422 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0697% | 64 |
| Cost of funding earning assets | 0.6288% | 2,534 |
| Net interest margin | 6.4409% | 53 |
| Noninterest income to average assets | 1.8610% | 298 |
| Noninterest expense to average assets | 5.1210% | 189 |
| Loan and lease loss provision to assets | 0.1206% | 1,828 |
| Net operating income to assets | 1.8896% | 460 |
| Return on assets (ROA) | 1.8896% | 455 |
| Pretax return on assets | 2.4584% | 229 |
| Return on Equity (ROE) | 18.5170% | 344 |
| Retained earnings to average equity (ytd only) | 18.5170% | 45 |
| Net charge-offs to loans | 0.1040% | 1,720 |
| Credit loss provision to net charge-offs | 143.9169% | 1,891 |
| Earnings coverage of net charge-offs (x) | 30.7685% | 1,569 |
| Efficiency ratio | 66.5062% | 2,786 |
| Assets per employee ($millions) | 3.6197% | 4,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9262% | 4,061 |
| Loan loss allowance to noncurrent loans | 894.6479% | 682 |
| Noncurrent assets plus other real estate owned to assets | 1.2434% | 1,035 |
| Noncurrent loans to loans | 0.1035% | 4,269 |
| Net loans and leases to total assets | 81.6093% | 712 |
| Net loans and leases to deposits | 91.9441% | 1,560 |
| Net loans and leases to core deposits | 115.2639% | 722 |
| Total domestic deposits to total assets | 88.7597% | 964 |
| Equity capital to assets | 10.6157% | 3,064 |
| Core capital (leverage) ratio | 10.6894% | 2,847 |
| Tier 1 risk-based capital ratio | 11.6968% | 4,628 |
| Total risk-based capital ratio | 12.5391% | 4,731 |
| Memoranda: | ||
| Average total assets | $402,050,000 | 1,707 |
| Average earning assets | $364,484,600 | 1,751 |
| Average equity | $41,027,200 | 1,816 |
| Average total loans | $324,174,600 | 1,500 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9604% | 64 |
| Cost of funding earning assets | 0.6123% | 2,390 |
| Net interest margin | 6.3482% | 58 |
| Noninterest income to average assets | 1.8857% | 304 |
| Noninterest expense to average assets | 4.4884% | 296 |
| Loan and lease loss provision to assets | 0.1623% | 1,183 |
| Net operating income to assets | 2.3247% | 214 |
| Return on assets (ROA) | 2.3247% | 212 |
| Pretax return on assets | 3.0179% | 109 |
| Return on Equity (ROE) | 23.0233% | 130 |
| Retained earnings to average equity (ytd only) | 23.0233% | 32 |
| Net charge-offs to loans | 0.0580% | 1,990 |
| Credit loss provision to net charge-offs | 348.9209% | 899 |
| Earnings coverage of net charge-offs (x) | 68.3808% | 973 |
| Efficiency ratio | 58.5297% | 4,035 |
| Assets per employee ($millions) | 3.6154% | 4,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0221% | 3,632 |
| Loan loss allowance to noncurrent loans | 432.5641% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 1.4156% | 938 |
| Noncurrent loans to loans | 0.2363% | 3,854 |
| Net loans and leases to total assets | 80.6890% | 912 |
| Net loans and leases to deposits | 90.8780% | 1,780 |
| Net loans and leases to core deposits | 117.3342% | 657 |
| Total domestic deposits to total assets | 88.7883% | 917 |
| Equity capital to assets | 10.7541% | 2,892 |
| Core capital (leverage) ratio | 10.9451% | 2,632 |
| Tier 1 risk-based capital ratio | 11.9200% | 4,541 |
| Total risk-based capital ratio | 12.8462% | 4,624 |
| Memoranda: | ||
| Average total assets | $398,494,750 | 1,722 |
| Average earning assets | $363,014,500 | 1,762 |
| Average equity | $40,236,500 | 1,847 |
| Average total loans | $319,495,250 | 1,524 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8495% | 68 |
| Cost of funding earning assets | 0.5977% | 2,240 |
| Net interest margin | 6.2518% | 64 |
| Noninterest income to average assets | 2.0240% | 269 |
| Noninterest expense to average assets | 4.4011% | 325 |
| Loan and lease loss provision to assets | 0.1862% | 960 |
| Net operating income to assets | 2.4483% | 164 |
| Return on assets (ROA) | 2.4483% | 162 |
| Pretax return on assets | 3.1371% | 99 |
| Return on Equity (ROE) | 24.7973% | 92 |
| Retained earnings to average equity (ytd only) | 24.7973% | 26 |
| Net charge-offs to loans | 0.1120% | 1,254 |
| Credit loss provision to net charge-offs | 208.4746% | 1,267 |
| Earnings coverage of net charge-offs (x) | 37.2090% | 1,345 |
| Efficiency ratio | 56.9767% | 4,365 |
| Assets per employee ($millions) | 3.3956% | 4,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0077% | 3,788 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3336% | 1,052 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 80.3061% | 973 |
| Net loans and leases to deposits | 90.2234% | 1,806 |
| Net loans and leases to core deposits | 117.6438% | 647 |
| Total domestic deposits to total assets | 89.0080% | 934 |
| Equity capital to assets | 10.5256% | 3,087 |
| Core capital (leverage) ratio | 10.3973% | 3,142 |
| Tier 1 risk-based capital ratio | 11.7025% | 4,687 |
| Total risk-based capital ratio | 12.6153% | 4,760 |
| Memoranda: | ||
| Average total assets | $396,351,330 | 1,746 |
| Average earning assets | $361,397,330 | 1,770 |
| Average equity | $39,133,330 | 1,899 |
| Average total loans | $315,959,000 | 1,537 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6424% | 73 |
| Cost of funding earning assets | 0.5889% | 2,123 |
| Net interest margin | 6.0535% | 66 |
| Noninterest income to average assets | 1.9820% | 277 |
| Noninterest expense to average assets | 4.1098% | 459 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.7536% | 98 |
| Return on assets (ROA) | 2.7536% | 99 |
| Pretax return on assets | 3.4156% | 83 |
| Return on Equity (ROE) | 28.8329% | 50 |
| Retained earnings to average equity (ytd only) | 28.8329% | 22 |
| Net charge-offs to loans | 0.0025% | 2,647 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 1,697.5000% | 28 |
| Efficiency ratio | 54.6123% | 4,727 |
| Assets per employee ($millions) | 3.5581% | 4,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9627% | 4,153 |
| Loan loss allowance to noncurrent loans | 165.4456% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 1.6010% | 846 |
| Noncurrent loans to loans | 0.5819% | 2,796 |
| Net loans and leases to total assets | 78.1127% | 1,221 |
| Net loans and leases to deposits | 87.2310% | 2,027 |
| Net loans and leases to core deposits | 116.9336% | 696 |
| Total domestic deposits to total assets | 89.5469% | 864 |
| Equity capital to assets | 9.8716% | 3,729 |
| Core capital (leverage) ratio | 9.9800% | 3,557 |
| Tier 1 risk-based capital ratio | 11.3955% | 4,926 |
| Total risk-based capital ratio | 12.2755% | 5,021 |
| Memoranda: | ||
| Average total assets | $397,583,000 | 1,750 |
| Average earning assets | $364,084,000 | 1,772 |
| Average equity | $37,970,500 | 1,955 |
| Average total loans | $314,170,500 | 1,543 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8088% | 61 |
| Cost of funding earning assets | 0.5163% | 2,201 |
| Net interest margin | 6.2925% | 55 |
| Noninterest income to average assets | 2.2251% | 253 |
| Noninterest expense to average assets | 5.2361% | 196 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.7268% | 496 |
| Return on assets (ROA) | 1.7268% | 512 |
| Pretax return on assets | 2.8243% | 113 |
| Return on Equity (ROE) | 17.9716% | 307 |
| Retained earnings to average equity (ytd only) | 17.9716% | 54 |
| Net charge-offs to loans | 0.0003% | 4,122 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 9,964.0000% | 4 |
| Efficiency ratio | 64.9611% | 3,455 |
| Assets per employee ($millions) | 3.5103% | 4,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9642% | 4,140 |
| Loan loss allowance to noncurrent loans | 583.4297% | 964 |
| Noncurrent assets plus other real estate owned to assets | 1.1683% | 1,270 |
| Noncurrent loans to loans | 0.1653% | 4,267 |
| Net loans and leases to total assets | 78.4055% | 1,230 |
| Net loans and leases to deposits | 86.9241% | 2,141 |
| Net loans and leases to core deposits | 116.0264% | 721 |
| Total domestic deposits to total assets | 90.1999% | 500 |
| Equity capital to assets | 9.2275% | 4,501 |
| Core capital (leverage) ratio | 9.4058% | 4,152 |
| Tier 1 risk-based capital ratio | 10.7254% | 5,287 |
| Total risk-based capital ratio | 11.6161% | 5,336 |
| Memoranda: | ||
| Average total assets | $352,799,400 | 1,903 |
| Average earning assets | $327,165,200 | 1,904 |
| Average equity | $33,898,000 | 2,136 |
| Average total loans | $298,157,200 | 1,576 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8001% | 62 |
| Cost of funding earning assets | 0.4943% | 2,317 |
| Net interest margin | 6.3058% | 57 |
| Noninterest income to average assets | 2.1133% | 289 |
| Noninterest expense to average assets | 4.6977% | 271 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.0598% | 284 |
| Return on assets (ROA) | 2.0598% | 290 |
| Pretax return on assets | 3.2924% | 96 |
| Return on Equity (ROE) | 21.1943% | 166 |
| Retained earnings to average equity (ytd only) | 21.1943% | 44 |
| Net charge-offs to loans | 0.0005% | 3,787 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 8,461.9474% | 3 |
| Efficiency ratio | 58.7942% | 4,391 |
| Assets per employee ($millions) | 3.4454% | 4,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9423% | 4,361 |
| Loan loss allowance to noncurrent loans | 65.1743% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 1.2322% | 1,321 |
| Noncurrent loans to loans | 1.4458% | 1,292 |
| Net loans and leases to total assets | 83.9877% | 433 |
| Net loans and leases to deposits | 93.2856% | 1,383 |
| Net loans and leases to core deposits | 109.4398% | 1,061 |
| Total domestic deposits to total assets | 90.0329% | 465 |
| Equity capital to assets | 9.4437% | 4,495 |
| Core capital (leverage) ratio | 9.7016% | 3,933 |
| Tier 1 risk-based capital ratio | 10.4944% | 5,451 |
| Total risk-based capital ratio | 11.3858% | 5,525 |
| Memoranda: | ||
| Average total assets | $341,834,000 | 1,972 |
| Average earning assets | $318,574,750 | 1,958 |
| Average equity | $33,222,000 | 2,179 |
| Average total loans | $294,188,500 | 1,606 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8025% | 64 |
| Cost of funding earning assets | 0.4963% | 2,193 |
| Net interest margin | 6.3062% | 56 |
| Noninterest income to average assets | 2.4617% | 235 |
| Noninterest expense to average assets | 4.7589% | 259 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.2353% | 201 |
| Return on assets (ROA) | 2.2353% | 200 |
| Pretax return on assets | 3.5727% | 88 |
| Return on Equity (ROE) | 22.7525% | 111 |
| Retained earnings to average equity (ytd only) | 22.7525% | 40 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1189% | 4,693 |
| Assets per employee ($millions) | 3.3426% | 4,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9909% | 4,204 |
| Loan loss allowance to noncurrent loans | 56.6274% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 1.5023% | 1,014 |
| Noncurrent loans to loans | 1.7499% | 1,036 |
| Net loans and leases to total assets | 84.6193% | 382 |
| Net loans and leases to deposits | 94.1615% | 1,246 |
| Net loans and leases to core deposits | 111.8833% | 911 |
| Total domestic deposits to total assets | 89.8661% | 580 |
| Equity capital to assets | 9.5579% | 4,353 |
| Core capital (leverage) ratio | 10.0780% | 3,431 |
| Tier 1 risk-based capital ratio | 10.4692% | 5,469 |
| Total risk-based capital ratio | 11.3994% | 5,537 |
| Memoranda: | ||
| Average total assets | $329,447,000 | 2,027 |
| Average earning assets | $306,651,330 | 2,020 |
| Average equity | $32,365,670 | 2,210 |
| Average total loans | $285,139,000 | 1,636 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9432% | 61 |
| Cost of funding earning assets | 0.4901% | 2,162 |
| Net interest margin | 6.4531% | 52 |
| Noninterest income to average assets | 2.4342% | 243 |
| Noninterest expense to average assets | 4.5665% | 314 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.4177% | 159 |
| Return on assets (ROA) | 2.4177% | 164 |
| Pretax return on assets | 3.8638% | 86 |
| Return on Equity (ROE) | 24.2370% | 103 |
| Retained earnings to average equity (ytd only) | 24.2370% | 59 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1679% | 5,112 |
| Assets per employee ($millions) | 3.0610% | 5,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0689% | 3,889 |
| Loan loss allowance to noncurrent loans | 846.0894% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.1156% | 4,804 |
| Noncurrent loans to loans | 0.1263% | 4,680 |
| Net loans and leases to total assets | 84.8038% | 304 |
| Net loans and leases to deposits | 94.7199% | 1,043 |
| Net loans and leases to core deposits | 110.7821% | 843 |
| Total domestic deposits to total assets | 89.5311% | 882 |
| Equity capital to assets | 9.8034% | 3,973 |
| Core capital (leverage) ratio | 10.3063% | 3,102 |
| Tier 1 risk-based capital ratio | 10.8627% | 5,382 |
| Total risk-based capital ratio | 11.8808% | 5,402 |
| Memoranda: | ||
| Average total assets | $315,339,500 | 2,121 |
| Average earning assets | $293,006,000 | 2,113 |
| Average equity | $31,456,000 | 2,263 |
| Average total loans | $274,868,500 | 1,701 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4436% | 72 |
| Cost of funding earning assets | 0.4892% | 2,167 |
| Net interest margin | 5.9544% | 71 |
| Noninterest income to average assets | 1.8612% | 375 |
| Noninterest expense to average assets | 5.4103% | 218 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2273% | 1,416 |
| Return on assets (ROA) | 1.2273% | 1,507 |
| Pretax return on assets | 1.9653% | 544 |
| Return on Equity (ROE) | 12.3133% | 1,169 |
| Retained earnings to average equity (ytd only) | 12.3133% | 203 |
| Net charge-offs to loans | 0.0083% | 3,980 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 285.2000% | 259 |
| Efficiency ratio | 73.3545% | 2,367 |
| Assets per employee ($millions) | 2.8046% | 5,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1372% | 3,506 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0080% | 5,381 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 87.7493% | 137 |
| Net loans and leases to deposits | 98.1878% | 813 |
| Net loans and leases to core deposits | 113.6133% | 717 |
| Total domestic deposits to total assets | 89.3688% | 914 |
| Equity capital to assets | 10.1647% | 3,531 |
| Core capital (leverage) ratio | 10.2126% | 3,210 |
| Tier 1 risk-based capital ratio | 10.8974% | 5,393 |
| Total risk-based capital ratio | 11.9826% | 5,379 |
| Memoranda: | ||
| Average total assets | $290,240,200 | 2,222 |
| Average earning assets | $268,794,400 | 2,221 |
| Average equity | $28,928,000 | 2,459 |
| Average total loans | $242,051,400 | 1,835 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3450% | 80 |
| Cost of funding earning assets | 0.4996% | 2,108 |
| Net interest margin | 5.8454% | 75 |
| Noninterest income to average assets | 1.6869% | 437 |
| Noninterest expense to average assets | 4.9667% | 274 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3320% | 1,205 |
| Return on assets (ROA) | 1.3320% | 1,290 |
| Pretax return on assets | 2.1303% | 439 |
| Return on Equity (ROE) | 13.4338% | 937 |
| Retained earnings to average equity (ytd only) | 13.4338% | 200 |
| Net charge-offs to loans | -0.0034% | 4,550 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9830% | 2,889 |
| Assets per employee ($millions) | 2.7464% | 5,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2109% | 3,168 |
| Loan loss allowance to noncurrent loans | 124.0357% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 0.8624% | 2,397 |
| Noncurrent loans to loans | 0.9762% | 2,288 |
| Net loans and leases to total assets | 86.4306% | 221 |
| Net loans and leases to deposits | 96.8848% | 963 |
| Net loans and leases to core deposits | 112.8923% | 771 |
| Total domestic deposits to total assets | 89.2097% | 794 |
| Equity capital to assets | 10.3343% | 3,765 |
| Core capital (leverage) ratio | 10.4268% | 3,078 |
| Tier 1 risk-based capital ratio | 10.9850% | 5,378 |
| Total risk-based capital ratio | 12.1111% | 5,355 |
| Memoranda: | ||
| Average total assets | $287,778,000 | 2,238 |
| Average earning assets | $266,346,250 | 2,245 |
| Average equity | $28,534,250 | 2,494 |
| Average total loans | $235,975,500 | 1,870 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2860% | 91 |
| Cost of funding earning assets | 0.5041% | 2,071 |
| Net interest margin | 5.7819% | 85 |
| Noninterest income to average assets | 1.8889% | 371 |
| Noninterest expense to average assets | 4.7381% | 315 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5641% | 784 |
| Return on assets (ROA) | 1.5641% | 825 |
| Pretax return on assets | 2.5113% | 213 |
| Return on Equity (ROE) | 16.0003% | 546 |
| Retained earnings to average equity (ytd only) | 16.0003% | 119 |
| Net charge-offs to loans | -0.0052% | 4,531 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3588% | 3,783 |
| Assets per employee ($millions) | 2.8083% | 5,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3223% | 2,662 |
| Loan loss allowance to noncurrent loans | 979.1667% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.1173% | 5,043 |
| Noncurrent loans to loans | 0.1350% | 4,900 |
| Net loans and leases to total assets | 79.5896% | 970 |
| Net loans and leases to deposits | 89.0819% | 1,855 |
| Net loans and leases to core deposits | 104.4007% | 1,282 |
| Total domestic deposits to total assets | 89.3443% | 740 |
| Equity capital to assets | 10.1851% | 3,993 |
| Core capital (leverage) ratio | 10.0218% | 3,540 |
| Tier 1 risk-based capital ratio | 11.8825% | 4,917 |
| Total risk-based capital ratio | 13.1267% | 4,809 |
| Memoranda: | ||
| Average total assets | $287,581,000 | 2,255 |
| Average earning assets | $266,625,000 | 2,254 |
| Average equity | $28,112,000 | 2,526 |
| Average total loans | $230,536,000 | 1,906 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1624% | 104 |
| Cost of funding earning assets | 0.5037% | 2,077 |
| Net interest margin | 5.6587% | 92 |
| Noninterest income to average assets | 1.8949% | 366 |
| Noninterest expense to average assets | 4.2603% | 470 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.8171% | 458 |
| Return on assets (ROA) | 1.8171% | 489 |
| Pretax return on assets | 2.9055% | 142 |
| Return on Equity (ROE) | 18.9844% | 299 |
| Retained earnings to average equity (ytd only) | 18.9844% | 111 |
| Net charge-offs to loans | -0.0104% | 4,549 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4537% | 4,817 |
| Assets per employee ($millions) | 3.0264% | 5,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3321% | 2,749 |
| Loan loss allowance to noncurrent loans | 1,599.4764% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.0732% | 5,293 |
| Noncurrent loans to loans | 0.0833% | 5,146 |
| Net loans and leases to total assets | 77.0818% | 1,237 |
| Net loans and leases to deposits | 85.6906% | 2,091 |
| Net loans and leases to core deposits | 101.9426% | 1,343 |
| Total domestic deposits to total assets | 89.9536% | 618 |
| Equity capital to assets | 9.6182% | 4,544 |
| Core capital (leverage) ratio | 9.9372% | 3,616 |
| Tier 1 risk-based capital ratio | 11.7800% | 5,058 |
| Total risk-based capital ratio | 13.0300% | 4,966 |
| Memoranda: | ||
| Average total assets | $288,148,000 | 2,256 |
| Average earning assets | $268,402,000 | 2,253 |
| Average equity | $27,580,500 | 2,555 |
| Average total loans | $230,285,500 | 1,915 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4573% | 82 |
| Cost of funding earning assets | 0.5790% | 1,502 |
| Net interest margin | 5.8784% | 78 |
| Noninterest income to average assets | 1.6082% | 499 |
| Noninterest expense to average assets | 5.2067% | 245 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1411% | 1,765 |
| Return on assets (ROA) | 1.1411% | 1,831 |
| Pretax return on assets | 1.8289% | 756 |
| Return on Equity (ROE) | 11.7843% | 1,362 |
| Retained earnings to average equity (ytd only) | 11.7843% | 273 |
| Net charge-offs to loans | 0.0329% | 3,557 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 66.8873% | 805 |
| Efficiency ratio | 74.0051% | 2,576 |
| Assets per employee ($millions) | 2.9762% | 5,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3186% | 2,801 |
| Loan loss allowance to noncurrent loans | 1,219.6000% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.0969% | 5,231 |
| Noncurrent loans to loans | 0.1081% | 5,069 |
| Net loans and leases to total assets | 80.7062% | 748 |
| Net loans and leases to deposits | 89.5796% | 1,675 |
| Net loans and leases to core deposits | 106.3759% | 1,077 |
| Total domestic deposits to total assets | 90.0944% | 593 |
| Equity capital to assets | 9.5233% | 4,528 |
| Core capital (leverage) ratio | 9.5470% | 4,105 |
| Tier 1 risk-based capital ratio | 11.0737% | 5,483 |
| Total risk-based capital ratio | 12.3236% | 5,388 |
| Memoranda: | ||
| Average total assets | $259,666,200 | 2,425 |
| Average earning assets | $239,742,600 | 2,430 |
| Average equity | $25,143,600 | 2,677 |
| Average total loans | $216,076,200 | 1,951 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5116% | 77 |
| Cost of funding earning assets | 0.5958% | 1,435 |
| Net interest margin | 5.9159% | 79 |
| Noninterest income to average assets | 1.5339% | 527 |
| Noninterest expense to average assets | 4.8071% | 336 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3554% | 1,213 |
| Return on assets (ROA) | 1.3554% | 1,263 |
| Pretax return on assets | 2.1709% | 443 |
| Return on Equity (ROE) | 13.9333% | 925 |
| Retained earnings to average equity (ytd only) | 13.9333% | 213 |
| Net charge-offs to loans | 0.0226% | 3,486 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 114.8304% | 556 |
| Efficiency ratio | 68.8892% | 3,397 |
| Assets per employee ($millions) | 2.9295% | 5,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3431% | 2,892 |
| Loan loss allowance to noncurrent loans | 495.8199% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.2321% | 4,836 |
| Noncurrent loans to loans | 0.2709% | 4,603 |
| Net loans and leases to total assets | 81.3958% | 656 |
| Net loans and leases to deposits | 90.3957% | 1,592 |
| Net loans and leases to core deposits | 108.5237% | 952 |
| Total domestic deposits to total assets | 90.0439% | 551 |
| Equity capital to assets | 9.5378% | 4,708 |
| Core capital (leverage) ratio | 9.8281% | 3,863 |
| Tier 1 risk-based capital ratio | 11.0435% | 5,637 |
| Total risk-based capital ratio | 12.2937% | 5,532 |
| Memoranda: | ||
| Average total assets | $253,898,000 | 2,495 |
| Average earning assets | $233,648,750 | 2,494 |
| Average equity | $24,698,000 | 2,738 |
| Average total loans | $212,286,000 | 1,989 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5305% | 77 |
| Cost of funding earning assets | 0.6095% | 1,348 |
| Net interest margin | 5.9210% | 78 |
| Noninterest income to average assets | 1.4689% | 591 |
| Noninterest expense to average assets | 4.5499% | 403 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4583% | 972 |
| Return on assets (ROA) | 1.4583% | 1,020 |
| Pretax return on assets | 2.3421% | 317 |
| Return on Equity (ROE) | 14.8821% | 752 |
| Retained earnings to average equity (ytd only) | 14.8821% | 199 |
| Net charge-offs to loans | -0.0010% | 4,554 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0172% | 4,004 |
| Assets per employee ($millions) | 2.9528% | 5,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3719% | 2,887 |
| Loan loss allowance to noncurrent loans | 752.0482% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.1689% | 5,201 |
| Noncurrent loans to loans | 0.1824% | 5,046 |
| Net loans and leases to total assets | 86.3464% | 219 |
| Net loans and leases to deposits | 96.2634% | 941 |
| Net loans and leases to core deposits | 117.3094% | 547 |
| Total domestic deposits to total assets | 89.6980% | 788 |
| Equity capital to assets | 9.9117% | 4,138 |
| Core capital (leverage) ratio | 9.9467% | 3,686 |
| Tier 1 risk-based capital ratio | 11.3337% | 5,557 |
| Total risk-based capital ratio | 12.5851% | 5,484 |
| Memoranda: | ||
| Average total assets | $245,763,000 | 2,577 |
| Average earning assets | $225,096,000 | 2,582 |
| Average equity | $24,082,670 | 2,803 |
| Average total loans | $206,511,000 | 2,037 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3084% | 94 |
| Cost of funding earning assets | 0.5944% | 1,472 |
| Net interest margin | 5.7140% | 91 |
| Noninterest income to average assets | 1.4946% | 543 |
| Noninterest expense to average assets | 4.2158% | 547 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5700% | 751 |
| Return on assets (ROA) | 1.5700% | 786 |
| Pretax return on assets | 2.5134% | 236 |
| Return on Equity (ROE) | 16.1229% | 556 |
| Retained earnings to average equity (ytd only) | 16.1229% | 215 |
| Net charge-offs to loans | -0.0020% | 4,352 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6494% | 4,682 |
| Assets per employee ($millions) | 3.2541% | 5,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4874% | 2,496 |
| Loan loss allowance to noncurrent loans | 841.2399% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.1517% | 5,346 |
| Noncurrent loans to loans | 0.1768% | 5,145 |
| Net loans and leases to total assets | 79.4020% | 754 |
| Net loans and leases to deposits | 87.8332% | 1,628 |
| Net loans and leases to core deposits | 104.0062% | 1,064 |
| Total domestic deposits to total assets | 90.4009% | 564 |
| Equity capital to assets | 9.3018% | 4,963 |
| Core capital (leverage) ratio | 10.0671% | 3,514 |
| Tier 1 risk-based capital ratio | 11.4640% | 5,576 |
| Total risk-based capital ratio | 12.7165% | 5,486 |
| Memoranda: | ||
| Average total assets | $238,722,500 | 2,643 |
| Average earning assets | $218,691,500 | 2,656 |
| Average equity | $23,246,500 | 2,907 |
| Average total loans | $196,023,000 | 2,116 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9515% | 165 |
| Cost of funding earning assets | 0.4885% | 2,790 |
| Net interest margin | 5.4630% | 138 |
| Noninterest income to average assets | 1.4952% | 544 |
| Noninterest expense to average assets | 4.9559% | 316 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9483% | 2,639 |
| Return on assets (ROA) | 0.9483% | 2,725 |
| Pretax return on assets | 1.5261% | 1,453 |
| Return on Equity (ROE) | 8.8574% | 2,658 |
| Retained earnings to average equity (ytd only) | 8.8574% | 733 |
| Net charge-offs to loans | 0.0026% | 4,917 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 764.0000% | 57 |
| Efficiency ratio | 76.4561% | 2,446 |
| Assets per employee ($millions) | 2.8568% | 5,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7122% | 1,744 |
| Loan loss allowance to noncurrent loans | 836.4611% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.2160% | 5,161 |
| Noncurrent loans to loans | 0.2047% | 5,086 |
| Net loans and leases to total assets | 82.4898% | 473 |
| Net loans and leases to deposits | 92.3282% | 1,256 |
| Net loans and leases to core deposits | 104.2085% | 1,117 |
| Total domestic deposits to total assets | 89.3441% | 1,049 |
| Equity capital to assets | 10.2607% | 3,774 |
| Core capital (leverage) ratio | 10.3784% | 3,079 |
| Tier 1 risk-based capital ratio | 12.1656% | 5,255 |
| Total risk-based capital ratio | 13.4210% | 5,159 |
| Memoranda: | ||
| Average total assets | $200,245,600 | 2,993 |
| Average earning assets | $182,794,600 | 3,003 |
| Average equity | $21,439,800 | 3,010 |
| Average total loans | $156,605,400 | 2,474 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8136% | 189 |
| Cost of funding earning assets | 0.4790% | 2,968 |
| Net interest margin | 5.3345% | 170 |
| Noninterest income to average assets | 1.1223% | 963 |
| Noninterest expense to average assets | 4.3156% | 547 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0447% | 2,256 |
| Return on assets (ROA) | 1.0447% | 2,318 |
| Pretax return on assets | 1.6848% | 1,100 |
| Return on Equity (ROE) | 9.6464% | 2,382 |
| Retained earnings to average equity (ytd only) | 9.6464% | 796 |
| Net charge-offs to loans | 0.0035% | 4,577 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 619.6210% | 124 |
| Efficiency ratio | 71.9225% | 3,194 |
| Assets per employee ($millions) | 2.7442% | 6,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8833% | 1,488 |
| Loan loss allowance to noncurrent loans | 529.7114% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.3419% | 4,908 |
| Noncurrent loans to loans | 0.3555% | 4,838 |
| Net loans and leases to total assets | 81.1411% | 590 |
| Net loans and leases to deposits | 91.6211% | 1,267 |
| Net loans and leases to core deposits | 103.8168% | 1,113 |
| Total domestic deposits to total assets | 88.5615% | 1,470 |
| Equity capital to assets | 10.9428% | 3,013 |
| Core capital (leverage) ratio | 10.9495% | 2,534 |
| Tier 1 risk-based capital ratio | 13.1651% | 4,755 |
| Total risk-based capital ratio | 14.4228% | 4,683 |
| Memoranda: | ||
| Average total assets | $196,027,250 | 3,062 |
| Average earning assets | $179,254,750 | 3,074 |
| Average equity | $21,230,250 | 3,032 |
| Average total loans | $150,201,500 | 2,572 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6557% | 241 |
| Cost of funding earning assets | 0.4729% | 3,088 |
| Net interest margin | 5.1828% | 208 |
| Noninterest income to average assets | 1.2159% | 791 |
| Noninterest expense to average assets | 4.0165% | 746 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2066% | 1,566 |
| Return on assets (ROA) | 1.2066% | 1,629 |
| Pretax return on assets | 1.9302% | 645 |
| Return on Equity (ROE) | 11.1810% | 1,681 |
| Retained earnings to average equity (ytd only) | 11.1810% | 516 |
| Net charge-offs to loans | 0.0055% | 4,192 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 469.5000% | 150 |
| Efficiency ratio | 67.5423% | 4,102 |
| Assets per employee ($millions) | 2.8353% | 5,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0404% | 1,294 |
| Loan loss allowance to noncurrent loans | 816.7539% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.2516% | 5,337 |
| Noncurrent loans to loans | 0.2498% | 5,260 |
| Net loans and leases to total assets | 78.8516% | 810 |
| Net loans and leases to deposits | 89.2951% | 1,438 |
| Net loans and leases to core deposits | 101.6290% | 1,163 |
| Total domestic deposits to total assets | 88.3045% | 1,734 |
| Equity capital to assets | 11.3491% | 2,553 |
| Core capital (leverage) ratio | 11.3527% | 2,114 |
| Tier 1 risk-based capital ratio | 14.0709% | 4,219 |
| Total risk-based capital ratio | 15.3306% | 4,136 |
| Memoranda: | ||
| Average total assets | $194,595,000 | 3,095 |
| Average earning assets | $177,625,330 | 3,110 |
| Average equity | $21,000,000 | 3,054 |
| Average total loans | $145,047,000 | 2,656 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5095% | 289 |
| Cost of funding earning assets | 0.4682% | 3,245 |
| Net interest margin | 5.0412% | 249 |
| Noninterest income to average assets | 1.2574% | 698 |
| Noninterest expense to average assets | 3.6483% | 1,217 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3813% | 1,030 |
| Return on assets (ROA) | 1.3813% | 1,072 |
| Pretax return on assets | 2.2020% | 350 |
| Return on Equity (ROE) | 13.1271% | 1,132 |
| Retained earnings to average equity (ytd only) | 13.1271% | 471 |
| Net charge-offs to loans | -0.0057% | 4,853 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3611% | 5,075 |
| Assets per employee ($millions) | 3.4313% | 5,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2207% | 1,129 |
| Loan loss allowance to noncurrent loans | 34,733.3333% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0721% | 6,040 |
| Noncurrent loans to loans | 0.0064% | 6,172 |
| Net loans and leases to total assets | 70.3750% | 1,820 |
| Net loans and leases to deposits | 79.0507% | 2,422 |
| Net loans and leases to core deposits | 87.3391% | 2,159 |
| Total domestic deposits to total assets | 89.0252% | 1,643 |
| Equity capital to assets | 10.7687% | 2,964 |
| Core capital (leverage) ratio | 10.6918% | 2,709 |
| Tier 1 risk-based capital ratio | 14.7992% | 3,815 |
| Total risk-based capital ratio | 16.0608% | 3,765 |
| Memoranda: | ||
| Average total assets | $196,911,500 | 3,092 |
| Average earning assets | $179,400,500 | 3,105 |
| Average equity | $20,720,500 | 3,090 |
| Average total loans | $141,116,500 | 2,719 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9192% | 196 |
| Cost of funding earning assets | 0.4858% | 3,759 |
| Net interest margin | 5.4334% | 150 |
| Noninterest income to average assets | 1.0201% | 1,349 |
| Noninterest expense to average assets | 4.0865% | 789 |
| Loan and lease loss provision to assets | -0.2287% | 6,623 |
| Net operating income to assets | 1.2962% | 1,262 |
| Return on assets (ROA) | 1.2962% | 1,311 |
| Pretax return on assets | 2.0670% | 417 |
| Return on Equity (ROE) | 11.7167% | 1,514 |
| Retained earnings to average equity (ytd only) | 11.7167% | 343 |
| Net charge-offs to loans | -0.1269% | 6,534 |
| Credit loss provision to net charge-offs | 232.5581% | 987 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9732% | 4,024 |
| Assets per employee ($millions) | 3.6711% | 4,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2083% | 1,163 |
| Loan loss allowance to noncurrent loans | 2,716.5217% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.1897% | 5,740 |
| Noncurrent loans to loans | 0.0813% | 5,972 |
| Net loans and leases to total assets | 69.7848% | 2,051 |
| Net loans and leases to deposits | 78.0097% | 2,720 |
| Net loans and leases to core deposits | 86.1454% | 2,430 |
| Total domestic deposits to total assets | 89.4566% | 1,361 |
| Equity capital to assets | 10.2801% | 3,408 |
| Core capital (leverage) ratio | 10.9795% | 2,408 |
| Tier 1 risk-based capital ratio | 14.2205% | 4,139 |
| Total risk-based capital ratio | 15.4821% | 4,073 |
| Memoranda: | ||
| Average total assets | $174,893,000 | 3,334 |
| Average earning assets | $157,876,600 | 3,378 |
| Average equity | $19,348,400 | 3,239 |
| Average total loans | $135,511,000 | 2,766 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0401% | 167 |
| Cost of funding earning assets | 0.4909% | 3,856 |
| Net interest margin | 5.5492% | 123 |
| Noninterest income to average assets | 1.0505% | 1,323 |
| Noninterest expense to average assets | 3.7667% | 1,131 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.4385% | 1,008 |
| Return on assets (ROA) | 1.4385% | 1,067 |
| Pretax return on assets | 2.2942% | 323 |
| Return on Equity (ROE) | 12.7388% | 1,301 |
| Retained earnings to average equity (ytd only) | 12.7388% | 359 |
| Net charge-offs to loans | -0.1651% | 6,614 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1470% | 5,115 |
| Assets per employee ($millions) | 3.5369% | 4,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6284% | 812 |
| Loan loss allowance to noncurrent loans | 35,180.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.6424% | 4,512 |
| Noncurrent loans to loans | 0.0075% | 6,358 |
| Net loans and leases to total assets | 73.6956% | 1,331 |
| Net loans and leases to deposits | 83.2133% | 1,973 |
| Net loans and leases to core deposits | 88.1952% | 2,167 |
| Total domestic deposits to total assets | 88.5623% | 1,806 |
| Equity capital to assets | 11.2731% | 2,493 |
| Core capital (leverage) ratio | 11.7864% | 1,825 |
| Tier 1 risk-based capital ratio | 14.7898% | 3,883 |
| Total risk-based capital ratio | 16.0569% | 3,827 |
| Memoranda: | ||
| Average total assets | $169,056,750 | 3,463 |
| Average earning assets | $152,643,000 | 3,490 |
| Average equity | $19,090,750 | 3,302 |
| Average total loans | $134,022,750 | 2,805 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1550% | 139 |
| Cost of funding earning assets | 0.5032% | 3,868 |
| Net interest margin | 5.6518% | 113 |
| Noninterest income to average assets | 1.4562% | 745 |
| Noninterest expense to average assets | 3.7703% | 1,141 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.7301% | 597 |
| Return on assets (ROA) | 1.7301% | 646 |
| Pretax return on assets | 2.7598% | 189 |
| Return on Equity (ROE) | 15.3118% | 758 |
| Retained earnings to average equity (ytd only) | 15.3118% | 219 |
| Net charge-offs to loans | -0.2446% | 6,715 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7369% | 5,775 |
| Assets per employee ($millions) | 3.4198% | 5,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5690% | 911 |
| Loan loss allowance to noncurrent loans | 29,300.0000% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.9565% | 3,868 |
| Noncurrent loans to loans | 0.0088% | 6,411 |
| Net loans and leases to total assets | 81.2358% | 415 |
| Net loans and leases to deposits | 92.3827% | 926 |
| Net loans and leases to core deposits | 98.2240% | 1,192 |
| Total domestic deposits to total assets | 87.9341% | 2,292 |
| Equity capital to assets | 11.9112% | 1,969 |
| Core capital (leverage) ratio | 11.6398% | 1,838 |
| Tier 1 risk-based capital ratio | 14.1239% | 4,344 |
| Total risk-based capital ratio | 15.3904% | 4,289 |
| Memoranda: | ||
| Average total assets | $166,460,670 | 3,519 |
| Average earning assets | $149,439,000 | 3,565 |
| Average equity | $18,809,000 | 3,352 |
| Average total loans | $134,082,000 | 2,802 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9342% | 192 |
| Cost of funding earning assets | 0.5034% | 4,050 |
| Net interest margin | 5.4308% | 136 |
| Noninterest income to average assets | 1.0596% | 1,328 |
| Noninterest expense to average assets | 3.4483% | 1,726 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5535% | 763 |
| Return on assets (ROA) | 1.5535% | 834 |
| Pretax return on assets | 2.4771% | 275 |
| Return on Equity (ROE) | 14.1234% | 942 |
| Retained earnings to average equity (ytd only) | 14.1234% | 435 |
| Net charge-offs to loans | -0.0995% | 6,444 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1957% | 5,827 |
| Assets per employee ($millions) | 3.8350% | 4,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4830% | 1,139 |
| Loan loss allowance to noncurrent loans | 1,387.2951% | 355 |
| Noncurrent assets plus other real estate owned to assets | 1.4667% | 3,059 |
| Noncurrent loans to loans | 0.1790% | 5,957 |
| Net loans and leases to total assets | 78.7852% | 534 |
| Net loans and leases to deposits | 88.8443% | 1,065 |
| Net loans and leases to core deposits | 94.6005% | 1,300 |
| Total domestic deposits to total assets | 88.6779% | 1,883 |
| Equity capital to assets | 11.1194% | 2,826 |
| Core capital (leverage) ratio | 10.8722% | 2,377 |
| Tier 1 risk-based capital ratio | 13.0158% | 5,206 |
| Total risk-based capital ratio | 14.2805% | 5,145 |
| Memoranda: | ||
| Average total assets | $167,617,000 | 3,541 |
| Average earning assets | $150,180,500 | 3,590 |
| Average equity | $18,437,500 | 3,463 |
| Average total loans | $132,691,500 | 2,849 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3681% | 151 |
| Cost of funding earning assets | 0.5950% | 4,402 |
| Net interest margin | 5.7732% | 109 |
| Noninterest income to average assets | 0.8307% | 2,125 |
| Noninterest expense to average assets | 3.8713% | 1,130 |
| Loan and lease loss provision to assets | -0.1505% | 6,947 |
| Net operating income to assets | 1.2541% | 1,437 |
| Return on assets (ROA) | 1.2541% | 1,597 |
| Pretax return on assets | 2.2112% | 402 |
| Return on Equity (ROE) | 10.9727% | 1,812 |
| Retained earnings to average equity (ytd only) | 10.9727% | 444 |
| Net charge-offs to loans | 0.1676% | 4,039 |
| Credit loss provision to net charge-offs | -112.5000% | 6,345 |
| Earnings coverage of net charge-offs (x) | 15.4050% | 1,654 |
| Efficiency ratio | 65.2610% | 4,654 |
| Assets per employee ($millions) | 3.9641% | 4,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5973% | 1,020 |
| Loan loss allowance to noncurrent loans | 1,457.3913% | 347 |
| Noncurrent assets plus other real estate owned to assets | 2.0656% | 2,370 |
| Noncurrent loans to loans | 0.1782% | 6,029 |
| Net loans and leases to total assets | 75.5005% | 988 |
| Net loans and leases to deposits | 84.8714% | 1,650 |
| Net loans and leases to core deposits | 89.9620% | 1,837 |
| Total domestic deposits to total assets | 88.9587% | 1,590 |
| Equity capital to assets | 10.8785% | 3,090 |
| Core capital (leverage) ratio | 10.3513% | 2,943 |
| Tier 1 risk-based capital ratio | 12.8775% | 5,197 |
| Total risk-based capital ratio | 14.1434% | 5,123 |
| Memoranda: | ||
| Average total assets | $149,509,200 | 3,783 |
| Average earning assets | $132,110,800 | 3,849 |
| Average equity | $17,087,800 | 3,615 |
| Average total loans | $119,357,400 | 3,093 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4443% | 147 |
| Cost of funding earning assets | 0.6080% | 4,565 |
| Net interest margin | 5.8362% | 110 |
| Noninterest income to average assets | 0.6792% | 2,817 |
| Noninterest expense to average assets | 3.8027% | 1,205 |
| Loan and lease loss provision to assets | -0.2065% | 7,089 |
| Net operating income to assets | 1.2097% | 1,699 |
| Return on assets (ROA) | 1.2097% | 1,879 |
| Pretax return on assets | 2.2194% | 463 |
| Return on Equity (ROE) | 10.4403% | 2,157 |
| Retained earnings to average equity (ytd only) | 10.4403% | 800 |
| Net charge-offs to loans | 0.2326% | 3,326 |
| Credit loss provision to net charge-offs | -110.2941% | 6,256 |
| Earnings coverage of net charge-offs (x) | 10.7501% | 2,151 |
| Efficiency ratio | 65.3883% | 4,562 |
| Assets per employee ($millions) | 3.8285% | 4,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7275% | 956 |
| Loan loss allowance to noncurrent loans | 540.8724% | 708 |
| Noncurrent assets plus other real estate owned to assets | 3.1636% | 1,635 |
| Noncurrent loans to loans | 0.5043% | 5,432 |
| Net loans and leases to total assets | 74.2559% | 1,215 |
| Net loans and leases to deposits | 83.9659% | 1,876 |
| Net loans and leases to core deposits | 89.2739% | 2,075 |
| Total domestic deposits to total assets | 88.4358% | 1,766 |
| Equity capital to assets | 10.9174% | 3,360 |
| Core capital (leverage) ratio | 10.3543% | 3,097 |
| Tier 1 risk-based capital ratio | 12.6038% | 5,562 |
| Total risk-based capital ratio | 13.8713% | 5,506 |
| Memoranda: | ||
| Average total assets | $145,263,250 | 3,896 |
| Average earning assets | $127,842,000 | 3,983 |
| Average equity | $16,831,750 | 3,686 |
| Average total loans | $116,933,000 | 3,185 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4836% | 149 |
| Cost of funding earning assets | 0.6080% | 4,834 |
| Net interest margin | 5.8756% | 104 |
| Noninterest income to average assets | 0.7338% | 2,501 |
| Noninterest expense to average assets | 3.8020% | 1,209 |
| Loan and lease loss provision to assets | -0.3212% | 7,183 |
| Net operating income to assets | 1.4448% | 1,098 |
| Return on assets (ROA) | 1.4448% | 1,230 |
| Pretax return on assets | 2.4128% | 336 |
| Return on Equity (ROE) | 12.1996% | 1,603 |
| Retained earnings to average equity (ytd only) | 12.1996% | 550 |
| Net charge-offs to loans | 0.1531% | 3,693 |
| Credit loss provision to net charge-offs | -255.6818% | 6,188 |
| Earnings coverage of net charge-offs (x) | 16.6477% | 1,581 |
| Efficiency ratio | 64.5107% | 4,800 |
| Assets per employee ($millions) | 3.5827% | 4,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8112% | 932 |
| Loan loss allowance to noncurrent loans | 318.0900% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 4.0652% | 1,246 |
| Noncurrent loans to loans | 0.8838% | 4,725 |
| Net loans and leases to total assets | 79.5882% | 554 |
| Net loans and leases to deposits | 90.3234% | 1,114 |
| Net loans and leases to core deposits | 95.6893% | 1,454 |
| Total domestic deposits to total assets | 88.1147% | 2,066 |
| Equity capital to assets | 11.4633% | 2,625 |
| Core capital (leverage) ratio | 10.6437% | 2,668 |
| Tier 1 risk-based capital ratio | 12.1254% | 5,849 |
| Total risk-based capital ratio | 13.3940% | 5,813 |
| Memoranda: | ||
| Average total assets | $140,085,000 | 4,009 |
| Average earning assets | $123,018,000 | 4,100 |
| Average equity | $16,590,670 | 3,715 |
| Average total loans | $114,994,000 | 3,238 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5144% | 157 |
| Cost of funding earning assets | 0.6209% | 4,957 |
| Net interest margin | 5.8935% | 113 |
| Noninterest income to average assets | 0.4211% | 4,509 |
| Noninterest expense to average assets | 4.0180% | 920 |
| Loan and lease loss provision to assets | -0.6672% | 7,272 |
| Net operating income to assets | 2.2210% | 282 |
| Return on assets (ROA) | 2.2210% | 335 |
| Pretax return on assets | 2.2210% | 520 |
| Return on Equity (ROE) | 18.4239% | 503 |
| Retained earnings to average equity (ytd only) | 18.4239% | 233 |
| Net charge-offs to loans | -0.1876% | 6,978 |
| Credit loss provision to net charge-offs | 432.6923% | 744 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1128% | 3,420 |
| Assets per employee ($millions) | 3.3518% | 5,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1092% | 751 |
| Loan loss allowance to noncurrent loans | 418.0974% | 810 |
| Noncurrent assets plus other real estate owned to assets | 4.4602% | 1,204 |
| Noncurrent loans to loans | 0.7437% | 5,180 |
| Net loans and leases to total assets | 79.7779% | 428 |
| Net loans and leases to deposits | 90.8406% | 890 |
| Net loans and leases to core deposits | 96.3240% | 1,271 |
| Total domestic deposits to total assets | 87.8219% | 2,439 |
| Equity capital to assets | 12.0659% | 1,996 |
| Core capital (leverage) ratio | 10.6070% | 2,639 |
| Tier 1 risk-based capital ratio | 11.9666% | 5,980 |
| Total risk-based capital ratio | 13.2387% | 5,959 |
| Memoranda: | ||
| Average total assets | $134,891,500 | 4,130 |
| Average earning assets | $117,893,000 | 4,252 |
| Average equity | $16,261,500 | 3,771 |
| Average total loans | $110,880,000 | 3,329 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9533% | 466 |
| Cost of funding earning assets | 0.6733% | 5,696 |
| Net interest margin | 5.2800% | 247 |
| Noninterest income to average assets | 0.6815% | 2,712 |
| Noninterest expense to average assets | 4.7427% | 477 |
| Loan and lease loss provision to assets | -0.1624% | 7,295 |
| Net operating income to assets | 0.5493% | 4,240 |
| Return on assets (ROA) | 0.5493% | 4,423 |
| Pretax return on assets | 0.6124% | 4,655 |
| Return on Equity (ROE) | 4.1855% | 4,760 |
| Retained earnings to average equity (ytd only) | 4.1855% | 3,202 |
| Net charge-offs to loans | 0.6980% | 2,410 |
| Credit loss provision to net charge-offs | -30.8703% | 6,644 |
| Earnings coverage of net charge-offs (x) | 0.8555% | 5,155 |
| Efficiency ratio | 91.3340% | 1,091 |
| Assets per employee ($millions) | 3.1465% | 5,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5684% | 512 |
| Loan loss allowance to noncurrent loans | 338.7444% | 987 |
| Noncurrent assets plus other real estate owned to assets | 5.0633% | 1,051 |
| Noncurrent loans to loans | 1.0534% | 4,605 |
| Net loans and leases to total assets | 79.1204% | 592 |
| Net loans and leases to deposits | 90.1058% | 1,148 |
| Net loans and leases to core deposits | 96.8333% | 1,425 |
| Total domestic deposits to total assets | 87.8083% | 2,273 |
| Equity capital to assets | 12.0436% | 2,088 |
| Core capital (leverage) ratio | 10.3776% | 2,869 |
| Tier 1 risk-based capital ratio | 11.6160% | 6,075 |
| Total risk-based capital ratio | 12.8936% | 6,049 |
| Memoranda: | ||
| Average total assets | $115,777,600 | 4,502 |
| Average earning assets | $98,919,600 | 4,663 |
| Average equity | $15,195,200 | 3,869 |
| Average total loans | $87,247,600 | 3,928 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7821% | 722 |
| Cost of funding earning assets | 0.6977% | 5,781 |
| Net interest margin | 5.0845% | 350 |
| Noninterest income to average assets | 0.8180% | 1,971 |
| Noninterest expense to average assets | 4.8320% | 427 |
| Loan and lease loss provision to assets | -0.2655% | 7,393 |
| Net operating income to assets | 0.5880% | 4,141 |
| Return on assets (ROA) | 0.5880% | 4,321 |
| Pretax return on assets | 0.5714% | 4,905 |
| Return on Equity (ROE) | 4.3768% | 4,820 |
| Retained earnings to average equity (ytd only) | 4.3768% | 3,611 |
| Net charge-offs to loans | 1.2090% | 1,294 |
| Credit loss provision to net charge-offs | -29.9065% | 6,443 |
| Earnings coverage of net charge-offs (x) | 0.3445% | 5,350 |
| Efficiency ratio | 94.0471% | 916 |
| Assets per employee ($millions) | 2.9565% | 6,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0842% | 366 |
| Loan loss allowance to noncurrent loans | 77.7586% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 8.1594% | 532 |
| Noncurrent loans to loans | 5.2525% | 1,159 |
| Net loans and leases to total assets | 73.3439% | 1,444 |
| Net loans and leases to deposits | 84.7900% | 1,878 |
| Net loans and leases to core deposits | 90.6758% | 2,166 |
| Total domestic deposits to total assets | 86.5007% | 2,932 |
| Equity capital to assets | 13.3536% | 1,438 |
| Core capital (leverage) ratio | 10.9476% | 2,436 |
| Tier 1 risk-based capital ratio | 13.6075% | 4,643 |
| Total risk-based capital ratio | 14.8913% | 4,589 |
| Memoranda: | ||
| Average total assets | $112,470,500 | 4,612 |
| Average earning assets | $95,556,250 | 4,796 |
| Average equity | $15,109,750 | 3,894 |
| Average total loans | $82,597,750 | 4,103 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6508% | 965 |
| Cost of funding earning assets | 0.7093% | 5,908 |
| Net interest margin | 4.9415% | 440 |
| Noninterest income to average assets | 0.7819% | 2,101 |
| Noninterest expense to average assets | 4.8024% | 437 |
| Loan and lease loss provision to assets | -0.3730% | 7,468 |
| Net operating income to assets | 0.6868% | 3,622 |
| Return on assets (ROA) | 0.6868% | 3,735 |
| Pretax return on assets | 0.5380% | 4,939 |
| Return on Equity (ROE) | 5.1019% | 4,403 |
| Retained earnings to average equity (ytd only) | 5.1019% | 2,940 |
| Net charge-offs to loans | 1.4169% | 1,069 |
| Credit loss provision to net charge-offs | -36.3636% | 6,227 |
| Earnings coverage of net charge-offs (x) | 0.1608% | 5,182 |
| Efficiency ratio | 96.6787% | 845 |
| Assets per employee ($millions) | 3.0120% | 6,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6489% | 243 |
| Loan loss allowance to noncurrent loans | 82.1212% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 9.2437% | 449 |
| Noncurrent loans to loans | 5.6610% | 1,097 |
| Net loans and leases to total assets | 67.9886% | 2,617 |
| Net loans and leases to deposits | 78.5816% | 3,027 |
| Net loans and leases to core deposits | 83.3837% | 3,311 |
| Total domestic deposits to total assets | 86.5197% | 3,030 |
| Equity capital to assets | 13.3545% | 1,356 |
| Core capital (leverage) ratio | 11.2565% | 2,070 |
| Tier 1 risk-based capital ratio | 14.1781% | 4,034 |
| Total risk-based capital ratio | 15.4671% | 3,978 |
| Memoranda: | ||
| Average total assets | $111,526,670 | 4,670 |
| Average earning assets | $94,464,330 | 4,869 |
| Average equity | $15,014,000 | 3,900 |
| Average total loans | $80,741,000 | 4,186 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5094% | 1,269 |
| Cost of funding earning assets | 0.7309% | 5,975 |
| Net interest margin | 4.7785% | 595 |
| Noninterest income to average assets | 1.0430% | 1,210 |
| Noninterest expense to average assets | 4.6338% | 518 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5633% | 4,220 |
| Return on assets (ROA) | 0.5633% | 4,299 |
| Pretax return on assets | 0.5197% | 4,960 |
| Return on Equity (ROE) | 4.1671% | 4,820 |
| Retained earnings to average equity (ytd only) | 4.1671% | 3,671 |
| Net charge-offs to loans | 2.1767% | 568 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.3272% | 4,368 |
| Efficiency ratio | 89.9154% | 1,336 |
| Assets per employee ($millions) | 2.8103% | 6,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2447% | 165 |
| Loan loss allowance to noncurrent loans | 63.1699% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 10.5857% | 365 |
| Noncurrent loans to loans | 8.3026% | 579 |
| Net loans and leases to total assets | 68.1946% | 2,506 |
| Net loans and leases to deposits | 79.1725% | 2,860 |
| Net loans and leases to core deposits | 82.9563% | 3,317 |
| Total domestic deposits to total assets | 86.1343% | 3,440 |
| Equity capital to assets | 13.7371% | 1,088 |
| Core capital (leverage) ratio | 10.9861% | 2,200 |
| Tier 1 risk-based capital ratio | 14.6339% | 3,651 |
| Total risk-based capital ratio | 15.9312% | 3,581 |
| Memoranda: | ||
| Average total assets | $110,062,000 | 4,734 |
| Average earning assets | $94,674,500 | 4,897 |
| Average equity | $14,878,500 | 3,922 |
| Average total loans | $80,306,000 | 4,241 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3243% | 3,007 |
| Cost of funding earning assets | 1.1367% | 4,926 |
| Net interest margin | 4.1876% | 2,234 |
| Noninterest income to average assets | -1.4955% | 7,640 |
| Noninterest expense to average assets | 4.5751% | 603 |
| Loan and lease loss provision to assets | 4.3549% | 129 |
| Net operating income to assets | -4.3164% | 7,470 |
| Return on assets (ROA) | -4.3164% | 7,485 |
| Pretax return on assets | -6.7872% | 7,606 |
| Return on Equity (ROE) | -44.1741% | 7,388 |
| Retained earnings to average equity (ytd only) | -44.1741% | 7,382 |
| Net charge-offs to loans | 4.7120% | 211 |
| Credit loss provision to net charge-offs | 124.9685% | 3,287 |
| Earnings coverage of net charge-offs (x) | -0.6980% | 6,525 |
| Efficiency ratio | 213.5080% | 79 |
| Assets per employee ($millions) | 2.7631% | 6,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5963% | 131 |
| Loan loss allowance to noncurrent loans | 46.9128% | 5,193 |
| Noncurrent assets plus other real estate owned to assets | 11.5940% | 304 |
| Noncurrent loans to loans | 11.9291% | 296 |
| Net loans and leases to total assets | 69.8126% | 2,575 |
| Net loans and leases to deposits | 80.8049% | 3,026 |
| Net loans and leases to core deposits | 86.6585% | 3,234 |
| Total domestic deposits to total assets | 86.3965% | 3,141 |
| Equity capital to assets | 13.3013% | 1,256 |
| Core capital (leverage) ratio | 10.3526% | 2,715 |
| Tier 1 risk-based capital ratio | 13.7234% | 4,041 |
| Total risk-based capital ratio | 15.0255% | 3,986 |
| Memoranda: | ||
| Average total assets | $114,008,200 | 4,613 |
| Average earning assets | $99,054,400 | 4,746 |
| Average equity | $11,140,000 | 4,831 |
| Average total loans | $84,315,800 | 4,203 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2416% | 3,623 |
| Cost of funding earning assets | 1.2086% | 4,817 |
| Net interest margin | 4.0330% | 2,944 |
| Noninterest income to average assets | -1.8639% | 7,752 |
| Noninterest expense to average assets | 4.4440% | 634 |
| Loan and lease loss provision to assets | 4.7817% | 104 |
| Net operating income to assets | -6.7988% | 7,712 |
| Return on assets (ROA) | -6.7988% | 7,714 |
| Pretax return on assets | -7.5846% | 7,724 |
| Return on Equity (ROE) | -76.2016% | 7,653 |
| Retained earnings to average equity (ytd only) | -76.2016% | 7,652 |
| Net charge-offs to loans | 5.1881% | 162 |
| Credit loss provision to net charge-offs | 124.6219% | 3,288 |
| Earnings coverage of net charge-offs (x) | -0.7305% | 6,398 |
| Efficiency ratio | 270.7921% | 35 |
| Assets per employee ($millions) | 2.8425% | 6,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3939% | 137 |
| Loan loss allowance to noncurrent loans | 35.8681% | 5,941 |
| Noncurrent assets plus other real estate owned to assets | 13.3009% | 214 |
| Noncurrent loans to loans | 15.0380% | 162 |
| Net loans and leases to total assets | 67.8141% | 3,259 |
| Net loans and leases to deposits | 77.3104% | 3,956 |
| Net loans and leases to core deposits | 82.8665% | 4,104 |
| Total domestic deposits to total assets | 87.7167% | 2,151 |
| Equity capital to assets | 12.1056% | 2,088 |
| Core capital (leverage) ratio | 10.9113% | 2,325 |
| Tier 1 risk-based capital ratio | 14.6773% | 3,408 |
| Total risk-based capital ratio | 15.9761% | 3,364 |
| Memoranda: | ||
| Average total assets | $114,879,500 | 4,656 |
| Average earning assets | $99,839,500 | 4,784 |
| Average equity | $10,249,750 | 5,124 |
| Average total loans | $84,961,500 | 4,258 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3630% | 3,142 |
| Cost of funding earning assets | 1.3066% | 4,492 |
| Net interest margin | 4.0565% | 2,765 |
| Noninterest income to average assets | -2.8576% | 7,826 |
| Noninterest expense to average assets | 4.1987% | 814 |
| Loan and lease loss provision to assets | 7.2489% | 41 |
| Net operating income to assets | -10.8039% | 7,813 |
| Return on assets (ROA) | -10.8039% | 7,813 |
| Pretax return on assets | -10.8039% | 7,813 |
| Return on Equity (ROE) | -137.1838% | 7,773 |
| Retained earnings to average equity (ytd only) | -137.1838% | 7,773 |
| Net charge-offs to loans | 4.8818% | 215 |
| Credit loss provision to net charge-offs | 198.7631% | 1,986 |
| Earnings coverage of net charge-offs (x) | -0.9748% | 6,115 |
| Efficiency ratio | 652.2911% | 9 |
| Assets per employee ($millions) | 2.9036% | 6,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7679% | 64 |
| Loan loss allowance to noncurrent loans | 39.0368% | 5,742 |
| Noncurrent assets plus other real estate owned to assets | 14.8997% | 150 |
| Noncurrent loans to loans | 17.3371% | 125 |
| Net loans and leases to total assets | 65.4714% | 3,945 |
| Net loans and leases to deposits | 77.6070% | 4,059 |
| Net loans and leases to core deposits | 84.9793% | 4,001 |
| Total domestic deposits to total assets | 84.3627% | 3,929 |
| Equity capital to assets | 11.2517% | 2,636 |
| Core capital (leverage) ratio | 11.4146% | 1,962 |
| Tier 1 risk-based capital ratio | 14.2104% | 3,599 |
| Total risk-based capital ratio | 15.5225% | 3,533 |
| Memoranda: | ||
| Average total assets | $115,273,000 | 4,674 |
| Average earning assets | $99,495,670 | 4,827 |
| Average equity | $9,078,330 | 5,481 |
| Average total loans | $86,115,330 | 4,247 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6334% | 2,016 |
| Cost of funding earning assets | 1.5017% | 3,543 |
| Net interest margin | 4.1317% | 2,312 |
| Noninterest income to average assets | -1.4076% | 7,910 |
| Noninterest expense to average assets | 3.9194% | 1,147 |
| Loan and lease loss provision to assets | 4.3392% | 189 |
| Net operating income to assets | -6.1525% | 7,821 |
| Return on assets (ROA) | -6.1525% | 7,823 |
| Pretax return on assets | -6.1525% | 7,807 |
| Return on Equity (ROE) | -100.8092% | 7,829 |
| Retained earnings to average equity (ytd only) | -100.8092% | 7,825 |
| Net charge-offs to loans | 4.9260% | 246 |
| Credit loss provision to net charge-offs | 114.3123% | 3,040 |
| Earnings coverage of net charge-offs (x) | -0.4777% | 5,271 |
| Efficiency ratio | 186.0972% | 114 |
| Assets per employee ($millions) | 2.9012% | 6,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2755% | 298 |
| Loan loss allowance to noncurrent loans | 23.6770% | 6,820 |
| Noncurrent assets plus other real estate owned to assets | 17.9944% | 86 |
| Noncurrent loans to loans | 18.0577% | 107 |
| Net loans and leases to total assets | 73.9266% | 1,989 |
| Net loans and leases to deposits | 82.2533% | 3,242 |
| Net loans and leases to core deposits | 89.2594% | 3,462 |
| Total domestic deposits to total assets | 89.8768% | 1,052 |
| Equity capital to assets | 5.3453% | 7,687 |
| Core capital (leverage) ratio | 4.1693% | 7,763 |
| Tier 1 risk-based capital ratio | 4.8579% | 7,808 |
| Total risk-based capital ratio | 6.1406% | 7,808 |
| Memoranda: | ||
| Average total assets | $113,385,000 | 4,787 |
| Average earning assets | $96,425,000 | 4,973 |
| Average equity | $6,920,000 | 6,215 |
| Average total loans | $87,372,500 | 4,277 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1322% | 1,430 |
| Cost of funding earning assets | 2.0732% | 2,607 |
| Net interest margin | 4.0590% | 2,613 |
| Noninterest income to average assets | 0.3647% | 5,480 |
| Noninterest expense to average assets | 5.1060% | 484 |
| Loan and lease loss provision to assets | 6.1379% | 105 |
| Net operating income to assets | -4.6556% | 7,694 |
| Return on assets (ROA) | -4.6556% | 7,695 |
| Pretax return on assets | -7.3073% | 7,884 |
| Return on Equity (ROE) | -63.7711% | 7,774 |
| Retained earnings to average equity (ytd only) | -63.7711% | 7,771 |
| Net charge-offs to loans | 7.5564% | 93 |
| Credit loss provision to net charge-offs | 104.4879% | 5,292 |
| Earnings coverage of net charge-offs (x) | -0.1991% | 6,436 |
| Efficiency ratio | 129.7042% | 481 |
| Assets per employee ($millions) | 2.8406% | 6,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1001% | 335 |
| Loan loss allowance to noncurrent loans | 25.0035% | 6,800 |
| Noncurrent assets plus other real estate owned to assets | 17.1900% | 95 |
| Noncurrent loans to loans | 16.3981% | 131 |
| Net loans and leases to total assets | 73.7362% | 2,328 |
| Net loans and leases to deposits | 85.3308% | 3,019 |
| Net loans and leases to core deposits | 111.6825% | 2,727 |
| Total domestic deposits to total assets | 86.4122% | 2,813 |
| Equity capital to assets | 6.8577% | 7,439 |
| Core capital (leverage) ratio | 5.4865% | 7,715 |
| Tier 1 risk-based capital ratio | 6.8563% | 7,763 |
| Total risk-based capital ratio | 8.1371% | 7,765 |
| Memoranda: | ||
| Average total assets | $123,658,000 | 4,479 |
| Average earning assets | $108,819,200 | 4,602 |
| Average equity | $9,027,600 | 5,594 |
| Average total loans | $96,130,600 | 4,058 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1148% | 1,594 |
| Cost of funding earning assets | 2.1073% | 2,857 |
| Net interest margin | 4.0075% | 2,780 |
| Noninterest income to average assets | 0.5495% | 4,079 |
| Noninterest expense to average assets | 4.7872% | 571 |
| Loan and lease loss provision to assets | 4.6393% | 207 |
| Net operating income to assets | -5.3811% | 7,877 |
| Return on assets (ROA) | -5.3811% | 7,874 |
| Pretax return on assets | -5.3177% | 7,844 |
| Return on Equity (ROE) | -72.7163% | 7,939 |
| Retained earnings to average equity (ytd only) | -72.7163% | 7,938 |
| Net charge-offs to loans | 6.9457% | 110 |
| Credit loss provision to net charge-offs | 85.7087% | 5,605 |
| Earnings coverage of net charge-offs (x) | -0.1253% | 6,213 |
| Efficiency ratio | 116.5123% | 649 |
| Assets per employee ($millions) | 3.1677% | 5,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7548% | 828 |
| Loan loss allowance to noncurrent loans | 28.9549% | 6,539 |
| Noncurrent assets plus other real estate owned to assets | 12.1599% | 217 |
| Noncurrent loans to loans | 9.5140% | 435 |
| Net loans and leases to total assets | 74.0203% | 2,513 |
| Net loans and leases to deposits | 85.4462% | 3,423 |
| Net loans and leases to core deposits | 112.4377% | 2,978 |
| Total domestic deposits to total assets | 86.6280% | 2,364 |
| Equity capital to assets | 7.0258% | 7,585 |
| Core capital (leverage) ratio | 6.9666% | 7,457 |
| Tier 1 risk-based capital ratio | 8.5779% | 7,723 |
| Total risk-based capital ratio | 9.8437% | 7,748 |
| Memoranda: | ||
| Average total assets | $126,166,500 | 4,444 |
| Average earning assets | $112,052,500 | 4,537 |
| Average equity | $9,336,500 | 5,544 |
| Average total loans | $98,322,250 | 4,033 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1818% | 1,518 |
| Cost of funding earning assets | 2.1614% | 2,979 |
| Net interest margin | 4.0203% | 2,615 |
| Noninterest income to average assets | 0.5699% | 3,895 |
| Noninterest expense to average assets | 5.2678% | 434 |
| Loan and lease loss provision to assets | 5.6831% | 158 |
| Net operating income to assets | -6.8853% | 8,046 |
| Return on assets (ROA) | -6.8853% | 8,040 |
| Pretax return on assets | -6.7917% | 8,012 |
| Return on Equity (ROE) | -91.5919% | 8,064 |
| Retained earnings to average equity (ytd only) | -91.5919% | 8,062 |
| Net charge-offs to loans | 8.5426% | 84 |
| Credit loss provision to net charge-offs | 84.7497% | 5,068 |
| Earnings coverage of net charge-offs (x) | -0.1653% | 5,857 |
| Efficiency ratio | 126.6517% | 559 |
| Assets per employee ($millions) | 3.2134% | 5,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7156% | 737 |
| Loan loss allowance to noncurrent loans | 38.9630% | 5,807 |
| Noncurrent assets plus other real estate owned to assets | 9.2585% | 357 |
| Noncurrent loans to loans | 6.9697% | 706 |
| Net loans and leases to total assets | 74.3229% | 2,616 |
| Net loans and leases to deposits | 86.7213% | 3,411 |
| Net loans and leases to core deposits | 115.9663% | 2,718 |
| Total domestic deposits to total assets | 85.7032% | 2,921 |
| Equity capital to assets | 6.1960% | 7,896 |
| Core capital (leverage) ratio | 6.0698% | 7,906 |
| Tier 1 risk-based capital ratio | 7.5611% | 7,952 |
| Total risk-based capital ratio | 8.8269% | 7,964 |
| Memoranda: | ||
| Average total assets | $128,098,330 | 4,429 |
| Average earning assets | $114,368,330 | 4,507 |
| Average equity | $9,629,670 | 5,481 |
| Average total loans | $100,555,330 | 3,998 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2163% | 1,548 |
| Cost of funding earning assets | 2.2746% | 2,817 |
| Net interest margin | 3.9417% | 2,876 |
| Noninterest income to average assets | 0.5530% | 3,895 |
| Noninterest expense to average assets | 5.0507% | 469 |
| Loan and lease loss provision to assets | 6.1783% | 120 |
| Net operating income to assets | -7.3336% | 8,130 |
| Return on assets (ROA) | -7.3336% | 8,120 |
| Pretax return on assets | -7.1482% | 8,085 |
| Return on Equity (ROE) | -89.9072% | 8,141 |
| Retained earnings to average equity (ytd only) | -89.9072% | 8,133 |
| Net charge-offs to loans | 10.0232% | 62 |
| Credit loss provision to net charge-offs | 77.5194% | 4,230 |
| Earnings coverage of net charge-offs (x) | -0.1217% | 5,093 |
| Efficiency ratio | 123.7699% | 586 |
| Assets per employee ($millions) | 3.5079% | 4,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6419% | 658 |
| Loan loss allowance to noncurrent loans | 24.7069% | 6,927 |
| Noncurrent assets plus other real estate owned to assets | 11.0488% | 176 |
| Noncurrent loans to loans | 10.6930% | 246 |
| Net loans and leases to total assets | 73.9797% | 2,762 |
| Net loans and leases to deposits | 87.0135% | 3,468 |
| Net loans and leases to core deposits | 118.6118% | 2,539 |
| Total domestic deposits to total assets | 85.0210% | 3,192 |
| Equity capital to assets | 7.3518% | 7,454 |
| Core capital (leverage) ratio | 7.5205% | 7,134 |
| Tier 1 risk-based capital ratio | 9.0275% | 7,781 |
| Total risk-based capital ratio | 10.2923% | 7,794 |
| Memoranda: | ||
| Average total assets | $129,486,500 | 4,418 |
| Average earning assets | $115,889,500 | 4,482 |
| Average equity | $10,562,000 | 5,222 |
| Average total loans | $102,961,500 | 3,959 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4823% | 426 |
| Cost of funding earning assets | 2.4378% | 4,536 |
| Net interest margin | 5.0445% | 460 |
| Noninterest income to average assets | 0.6542% | 3,441 |
| Noninterest expense to average assets | 4.4217% | 932 |
| Loan and lease loss provision to assets | 2.2820% | 495 |
| Net operating income to assets | -0.9365% | 7,211 |
| Return on assets (ROA) | -0.6361% | 6,920 |
| Pretax return on assets | -1.1678% | 7,099 |
| Return on Equity (ROE) | -7.1725% | 7,059 |
| Retained earnings to average equity (ytd only) | -8.7763% | 6,949 |
| Net charge-offs to loans | 1.1422% | 1,061 |
| Credit loss provision to net charge-offs | 238.0874% | 1,986 |
| Earnings coverage of net charge-offs (x) | 0.8475% | 5,723 |
| Efficiency ratio | 84.4807% | 2,010 |
| Assets per employee ($millions) | 3.1418% | 5,646 |
| Cash dividends to net income (ytd only)* | -22.3602% | 7,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1119% | 398 |
| Loan loss allowance to noncurrent loans | 36.5391% | 6,289 |
| Noncurrent assets plus other real estate owned to assets | 10.6475% | 135 |
| Noncurrent loans to loans | 8.5165% | 304 |
| Net loans and leases to total assets | 80.6665% | 1,512 |
| Net loans and leases to deposits | 92.8709% | 2,980 |
| Net loans and leases to core deposits | 124.6416% | 2,279 |
| Total domestic deposits to total assets | 86.8588% | 2,000 |
| Equity capital to assets | 9.0107% | 5,354 |
| Core capital (leverage) ratio | 8.6890% | 5,215 |
| Tier 1 risk-based capital ratio | 10.0881% | 6,632 |
| Total risk-based capital ratio | 11.3585% | 6,484 |
| Memoranda: | ||
| Average total assets | $126,557,400 | 4,361 |
| Average earning assets | $114,898,400 | 4,391 |
| Average equity | $11,223,400 | 5,060 |
| Average total loans | $106,200,200 | 3,785 |