Home > Rockwood Bank > Performance and Condition Ratios
Rockwood Bank, Performance and Condition Ratios
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8388% | 1,985 |
| Cost of funding earning assets | 0.1373% | 4,399 |
| Net interest margin | 3.7014% | 1,328 |
| Noninterest income to average assets | 0.9199% | 1,277 |
| Noninterest expense to average assets | 2.2529% | 2,930 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.8272% | 747 |
| Return on assets (ROA) | 1.8272% | 800 |
| Pretax return on assets | 1.8272% | 1,239 |
| Return on Equity (ROE) | 12.9737% | 1,680 |
| Retained earnings to average equity (ytd only) | 12.9737% | 919 |
| Net charge-offs to loans | -0.0157% | 3,879 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8854% | 4,529 |
| Assets per employee ($millions) | 6.4493% | 2,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0235% | 4,928 |
| Loan loss allowance to noncurrent loans | 25.1534% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 0.2760% | 2,770 |
| Noncurrent loans to loans | 0.0933% | 3,839 |
| Net loans and leases to total assets | 60.2011% | 2,524 |
| Net loans and leases to deposits | 70.2375% | 2,480 |
| Net loans and leases to core deposits | 71.9492% | 2,707 |
| Total domestic deposits to total assets | 85.7108% | 2,854 |
| Equity capital to assets | 14.1317% | 643 |
| Core capital (leverage) ratio | 10.9896% | 1,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $286,563,500 | 2,507 |
| Average earning assets | $244,661,000 | 2,650 |
| Average equity | $40,358,500 | 2,073 |
| Average total loans | $178,904,500 | 2,445 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1050% | 4,965 |
| Cost of funding earning assets | 0.0448% | 4,944 |
| Net interest margin | 1.0602% | 4,957 |
| Noninterest income to average assets | 0.2519% | 3,978 |
| Noninterest expense to average assets | 0.6933% | 4,965 |
| Loan and lease loss provision to assets | 0.0382% | 3,935 |
| Net operating income to assets | 0.4701% | 4,095 |
| Return on assets (ROA) | 0.4701% | 4,178 |
| Pretax return on assets | 0.4701% | 4,322 |
| Return on Equity (ROE) | 3.4916% | 4,268 |
| Retained earnings to average equity (ytd only) | 3.4916% | 3,084 |
| Net charge-offs to loans | 0.0137% | 2,851 |
| Credit loss provision to net charge-offs | 384.6154% | 1,480 |
| Earnings coverage of net charge-offs (x) | 51.1538% | 1,178 |
| Efficiency ratio | 48.1234% | 4,628 |
| Assets per employee ($millions) | 6.4297% | 1,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0186% | 4,947 |
| Loan loss allowance to noncurrent loans | 21.3836% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 0.2817% | 2,889 |
| Noncurrent loans to loans | 0.0869% | 3,944 |
| Net loans and leases to total assets | 64.6921% | 2,276 |
| Net loans and leases to deposits | 75.4683% | 2,335 |
| Net loans and leases to core deposits | 77.4887% | 2,595 |
| Total domestic deposits to total assets | 85.7208% | 2,476 |
| Equity capital to assets | 14.0342% | 786 |
| Core capital (leverage) ratio | 10.4507% | 2,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $261,660,600 | 2,510 |
| Average earning assets | $234,397,200 | 2,568 |
| Average equity | $35,227,400 | 2,224 |
| Average total loans | $189,407,000 | 2,333 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4751% | 1,637 |
| Cost of funding earning assets | 0.3153% | 4,245 |
| Net interest margin | 4.1598% | 794 |
| Noninterest income to average assets | 0.8977% | 1,228 |
| Noninterest expense to average assets | 2.5054% | 2,822 |
| Loan and lease loss provision to assets | -0.2859% | 5,020 |
| Net operating income to assets | 1.8547% | 407 |
| Return on assets (ROA) | 1.8547% | 451 |
| Pretax return on assets | 2.4596% | 225 |
| Return on Equity (ROE) | 13.9396% | 891 |
| Retained earnings to average equity (ytd only) | -62.2004% | 5,020 |
| Net charge-offs to loans | -0.0279% | 4,502 |
| Credit loss provision to net charge-offs | 1,375.0000% | 662 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5460% | 4,198 |
| Assets per employee ($millions) | 5.6401% | 2,587 |
| Cash dividends to net income (ytd only)* | 546.2142% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6540% | 4,656 |
| Loan loss allowance to noncurrent loans | 791.8239% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.4281% | 2,460 |
| Noncurrent loans to loans | 0.0826% | 4,037 |
| Net loans and leases to total assets | 70.6412% | 1,862 |
| Net loans and leases to deposits | 78.6465% | 2,463 |
| Net loans and leases to core deposits | 80.8417% | 2,767 |
| Total domestic deposits to total assets | 89.8211% | 491 |
| Equity capital to assets | 8.0240% | 4,706 |
| Core capital (leverage) ratio | 8.0793% | 4,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $256,348,750 | 2,522 |
| Average earning assets | $233,016,000 | 2,556 |
| Average equity | $34,108,250 | 2,268 |
| Average total loans | $190,995,500 | 2,315 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6536% | 1,526 |
| Cost of funding earning assets | 0.3507% | 4,267 |
| Net interest margin | 4.3029% | 750 |
| Noninterest income to average assets | 0.7489% | 1,583 |
| Noninterest expense to average assets | 2.5291% | 2,885 |
| Loan and lease loss provision to assets | -0.2385% | 5,044 |
| Net operating income to assets | 1.7873% | 516 |
| Return on assets (ROA) | 1.7873% | 565 |
| Pretax return on assets | 2.3700% | 269 |
| Return on Equity (ROE) | 11.7583% | 1,403 |
| Retained earnings to average equity (ytd only) | 7.5477% | 1,446 |
| Net charge-offs to loans | -0.0420% | 4,637 |
| Credit loss provision to net charge-offs | 750.0000% | 949 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2648% | 4,149 |
| Assets per employee ($millions) | 5.5487% | 2,591 |
| Cash dividends to net income (ytd only)* | 35.8096% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7738% | 4,402 |
| Loan loss allowance to noncurrent loans | 949.0566% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.4344% | 2,569 |
| Noncurrent loans to loans | 0.0815% | 4,130 |
| Net loans and leases to total assets | 72.6559% | 1,599 |
| Net loans and leases to deposits | 87.6043% | 1,600 |
| Net loans and leases to core deposits | 90.5518% | 2,025 |
| Total domestic deposits to total assets | 82.9364% | 3,105 |
| Equity capital to assets | 14.6723% | 686 |
| Core capital (leverage) ratio | 15.0960% | 558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $251,556,333 | 2,534 |
| Average earning assets | $228,682,000 | 2,563 |
| Average equity | $38,236,667 | 2,069 |
| Average total loans | $190,493,000 | 2,299 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7961% | 1,430 |
| Cost of funding earning assets | 0.3970% | 4,375 |
| Net interest margin | 4.3991% | 627 |
| Noninterest income to average assets | 0.7159% | 1,586 |
| Noninterest expense to average assets | 2.6507% | 2,836 |
| Loan and lease loss provision to assets | -0.4915% | 5,099 |
| Net operating income to assets | 1.9118% | 330 |
| Return on assets (ROA) | 1.9118% | 359 |
| Pretax return on assets | 2.5507% | 153 |
| Return on Equity (ROE) | 12.3440% | 1,022 |
| Retained earnings to average equity (ytd only) | 3.8291% | 2,743 |
| Net charge-offs to loans | -0.0765% | 4,761 |
| Credit loss provision to net charge-offs | 833.3333% | 645 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2783% | 4,185 |
| Assets per employee ($millions) | 4.9020% | 2,749 |
| Cash dividends to net income (ytd only)* | 68.9803% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7962% | 4,424 |
| Loan loss allowance to noncurrent loans | 217.1717% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 0.2827% | 3,319 |
| Noncurrent loans to loans | 0.3666% | 3,177 |
| Net loans and leases to total assets | 76.5080% | 1,216 |
| Net loans and leases to deposits | 93.1545% | 1,164 |
| Net loans and leases to core deposits | 96.7541% | 1,730 |
| Total domestic deposits to total assets | 82.1302% | 3,381 |
| Equity capital to assets | 15.5027% | 675 |
| Core capital (leverage) ratio | 15.6845% | 563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $244,165,000 | 2,528 |
| Average earning assets | $221,681,500 | 2,558 |
| Average equity | $37,816,000 | 2,078 |
| Average total loans | $188,229,500 | 2,275 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1257% | 1,160 |
| Cost of funding earning assets | 0.3451% | 4,609 |
| Net interest margin | 4.7807% | 409 |
| Noninterest income to average assets | 0.8060% | 1,432 |
| Noninterest expense to average assets | 2.9023% | 2,286 |
| Loan and lease loss provision to assets | -0.5479% | 5,169 |
| Net operating income to assets | 2.1599% | 241 |
| Return on assets (ROA) | 2.1599% | 252 |
| Pretax return on assets | 2.7604% | 135 |
| Return on Equity (ROE) | 14.5545% | 787 |
| Retained earnings to average equity (ytd only) | 8.4602% | 840 |
| Net charge-offs to loans | -0.2279% | 5,067 |
| Credit loss provision to net charge-offs | 300.4535% | 924 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7432% | 4,120 |
| Assets per employee ($millions) | 4.6775% | 2,977 |
| Cash dividends to net income (ytd only)* | 41.8725% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9438% | 3,767 |
| Loan loss allowance to noncurrent loans | 117.6979% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 0.6179% | 2,039 |
| Noncurrent loans to loans | 0.8019% | 1,909 |
| Net loans and leases to total assets | 76.3327% | 1,356 |
| Net loans and leases to deposits | 92.9198% | 1,269 |
| Net loans and leases to core deposits | 95.9717% | 1,905 |
| Total domestic deposits to total assets | 82.1490% | 3,465 |
| Equity capital to assets | 15.4730% | 690 |
| Core capital (leverage) ratio | 15.1099% | 662 |
| Tier 1 risk-based capital ratio | 19.1627% | 1,484 |
| Total risk-based capital ratio | 20.0634% | 1,531 |
| Memoranda: | ||
| Average total assets | $241,812,200 | 2,516 |
| Average earning assets | $217,939,000 | 2,545 |
| Average equity | $35,885,800 | 2,103 |
| Average total loans | $193,463,800 | 2,210 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1661% | 1,116 |
| Cost of funding earning assets | 0.3241% | 4,736 |
| Net interest margin | 4.8420% | 385 |
| Noninterest income to average assets | 0.7604% | 1,561 |
| Noninterest expense to average assets | 3.0354% | 1,871 |
| Loan and lease loss provision to assets | -0.5246% | 5,246 |
| Net operating income to assets | 1.9625% | 427 |
| Return on assets (ROA) | 1.9625% | 446 |
| Pretax return on assets | 2.6052% | 203 |
| Return on Equity (ROE) | 13.3674% | 1,153 |
| Retained earnings to average equity (ytd only) | 7.4435% | 1,653 |
| Net charge-offs to loans | -0.2982% | 5,149 |
| Credit loss provision to net charge-offs | 217.8899% | 1,228 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3308% | 3,763 |
| Assets per employee ($millions) | 4.7232% | 2,883 |
| Cash dividends to net income (ytd only)* | 44.3163% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1075% | 2,990 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1997% | 3,766 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 76.3022% | 1,430 |
| Net loans and leases to deposits | 92.0138% | 1,435 |
| Net loans and leases to core deposits | 94.4335% | 2,142 |
| Total domestic deposits to total assets | 82.9247% | 3,196 |
| Equity capital to assets | 14.6121% | 948 |
| Core capital (leverage) ratio | 15.0033% | 738 |
| Tier 1 risk-based capital ratio | 18.3336% | 1,724 |
| Total risk-based capital ratio | 19.4058% | 1,731 |
| Memoranda: | ||
| Average total assets | $241,457,750 | 2,535 |
| Average earning assets | $217,205,250 | 2,574 |
| Average equity | $35,448,500 | 2,133 |
| Average total loans | $194,971,500 | 2,222 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1942% | 988 |
| Cost of funding earning assets | 0.3094% | 4,806 |
| Net interest margin | 4.8848% | 355 |
| Noninterest income to average assets | 0.7287% | 1,606 |
| Noninterest expense to average assets | 3.0407% | 1,883 |
| Loan and lease loss provision to assets | -0.2935% | 5,272 |
| Net operating income to assets | 1.7870% | 615 |
| Return on assets (ROA) | 1.7870% | 637 |
| Pretax return on assets | 2.3765% | 301 |
| Return on Equity (ROE) | 12.1521% | 1,519 |
| Retained earnings to average equity (ytd only) | 7.1624% | 1,736 |
| Net charge-offs to loans | -0.3712% | 5,203 |
| Credit loss provision to net charge-offs | 96.4187% | 2,056 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3453% | 3,819 |
| Assets per employee ($millions) | 4.6676% | 2,917 |
| Cash dividends to net income (ytd only)* | 41.0605% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3807% | 1,694 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2100% | 3,737 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 79.9951% | 881 |
| Net loans and leases to deposits | 97.0645% | 928 |
| Net loans and leases to core deposits | 99.8642% | 1,735 |
| Total domestic deposits to total assets | 82.4144% | 3,397 |
| Equity capital to assets | 15.0622% | 793 |
| Core capital (leverage) ratio | 15.1406% | 678 |
| Tier 1 risk-based capital ratio | 18.0978% | 1,781 |
| Total risk-based capital ratio | 19.3491% | 1,736 |
| Memoranda: | ||
| Average total assets | $238,501,330 | 2,563 |
| Average earning assets | $214,585,670 | 2,604 |
| Average equity | $35,072,000 | 2,138 |
| Average total loans | $195,580,670 | 2,228 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1293% | 1,046 |
| Cost of funding earning assets | 0.3000% | 4,846 |
| Net interest margin | 4.8293% | 382 |
| Noninterest income to average assets | 0.6568% | 1,797 |
| Noninterest expense to average assets | 2.7747% | 2,666 |
| Loan and lease loss provision to assets | -0.0838% | 5,279 |
| Net operating income to assets | 1.7392% | 676 |
| Return on assets (ROA) | 1.7392% | 700 |
| Pretax return on assets | 2.3089% | 356 |
| Return on Equity (ROE) | 11.9721% | 1,538 |
| Retained earnings to average equity (ytd only) | 1.8800% | 4,096 |
| Net charge-offs to loans | -0.1971% | 5,168 |
| Credit loss provision to net charge-offs | 51.5464% | 1,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4960% | 4,393 |
| Assets per employee ($millions) | 4.5993% | 3,043 |
| Cash dividends to net income (ytd only)* | 84.2967% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3559% | 1,845 |
| Loan loss allowance to noncurrent loans | 459.1837% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.4549% | 2,777 |
| Noncurrent loans to loans | 0.2953% | 3,512 |
| Net loans and leases to total assets | 82.1331% | 574 |
| Net loans and leases to deposits | 98.9547% | 699 |
| Net loans and leases to core deposits | 101.4628% | 1,503 |
| Total domestic deposits to total assets | 83.0007% | 3,385 |
| Equity capital to assets | 14.5349% | 871 |
| Core capital (leverage) ratio | 14.6493% | 777 |
| Tier 1 risk-based capital ratio | 16.8525% | 2,155 |
| Total risk-based capital ratio | 18.1033% | 2,106 |
| Memoranda: | ||
| Average total assets | $238,728,500 | 2,589 |
| Average earning assets | $214,688,500 | 2,629 |
| Average equity | $34,680,500 | 2,154 |
| Average total loans | $196,825,000 | 2,229 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6710% | 1,929 |
| Cost of funding earning assets | 0.1894% | 5,042 |
| Net interest margin | 4.4817% | 787 |
| Noninterest income to average assets | 0.4953% | 2,854 |
| Noninterest expense to average assets | 2.8106% | 2,655 |
| Loan and lease loss provision to assets | 0.4027% | 333 |
| Net operating income to assets | 1.0161% | 2,942 |
| Return on assets (ROA) | 1.0161% | 2,927 |
| Pretax return on assets | 1.3044% | 2,483 |
| Return on Equity (ROE) | 7.4347% | 3,683 |
| Retained earnings to average equity (ytd only) | 2.9998% | 3,900 |
| Net charge-offs to loans | 0.5525% | 316 |
| Credit loss provision to net charge-offs | 96.1538% | 2,625 |
| Earnings coverage of net charge-offs (x) | 4.0760% | 3,336 |
| Efficiency ratio | 62.2125% | 3,485 |
| Assets per employee ($millions) | 4.5826% | 3,044 |
| Cash dividends to net income (ytd only)* | 59.6512% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3639% | 1,774 |
| Loan loss allowance to noncurrent loans | 451.9591% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.5317% | 2,465 |
| Noncurrent loans to loans | 0.3018% | 3,475 |
| Net loans and leases to total assets | 80.5161% | 864 |
| Net loans and leases to deposits | 96.7969% | 994 |
| Net loans and leases to core deposits | 98.7595% | 1,813 |
| Total domestic deposits to total assets | 83.1804% | 3,267 |
| Equity capital to assets | 14.5195% | 833 |
| Core capital (leverage) ratio | 14.1090% | 895 |
| Tier 1 risk-based capital ratio | 17.0144% | 2,061 |
| Total risk-based capital ratio | 18.2650% | 2,007 |
| Memoranda: | ||
| Average total assets | $248,312,800 | 2,481 |
| Average earning assets | $222,862,200 | 2,539 |
| Average equity | $33,935,600 | 2,117 |
| Average total loans | $188,250,800 | 2,262 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5436% | 2,144 |
| Cost of funding earning assets | 0.1759% | 5,113 |
| Net interest margin | 4.3677% | 971 |
| Noninterest income to average assets | 0.6948% | 1,885 |
| Noninterest expense to average assets | 2.7462% | 2,828 |
| Loan and lease loss provision to assets | 0.5502% | 195 |
| Net operating income to assets | 1.0254% | 2,984 |
| Return on assets (ROA) | 1.0254% | 2,995 |
| Pretax return on assets | 1.3194% | 2,546 |
| Return on Equity (ROE) | 7.6161% | 3,701 |
| Retained earnings to average equity (ytd only) | 1.6740% | 4,683 |
| Net charge-offs to loans | 0.7399% | 188 |
| Credit loss provision to net charge-offs | 99.9035% | 2,303 |
| Earnings coverage of net charge-offs (x) | 3.3948% | 3,165 |
| Efficiency ratio | 59.4956% | 3,884 |
| Assets per employee ($millions) | 4.9621% | 2,515 |
| Cash dividends to net income (ytd only)* | 78.0197% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4517% | 1,513 |
| Loan loss allowance to noncurrent loans | 344.6863% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.8279% | 1,790 |
| Noncurrent loans to loans | 0.4212% | 3,147 |
| Net loans and leases to total assets | 73.6549% | 2,047 |
| Net loans and leases to deposits | 87.6661% | 2,196 |
| Net loans and leases to core deposits | 88.8226% | 2,766 |
| Total domestic deposits to total assets | 84.0175% | 2,936 |
| Equity capital to assets | 13.7056% | 1,056 |
| Core capital (leverage) ratio | 13.6713% | 1,039 |
| Tier 1 risk-based capital ratio | 16.6520% | 2,221 |
| Total risk-based capital ratio | 17.9026% | 2,169 |
| Memoranda: | ||
| Average total assets | $250,817,500 | 2,481 |
| Average earning assets | $225,162,000 | 2,536 |
| Average equity | $33,769,750 | 2,126 |
| Average total loans | $186,684,000 | 2,289 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4535% | 2,245 |
| Cost of funding earning assets | 0.1726% | 5,139 |
| Net interest margin | 4.2808% | 1,074 |
| Noninterest income to average assets | 0.7079% | 1,844 |
| Noninterest expense to average assets | 2.7459% | 2,857 |
| Loan and lease loss provision to assets | 0.5125% | 222 |
| Net operating income to assets | 1.0019% | 3,007 |
| Return on assets (ROA) | 1.0019% | 3,007 |
| Pretax return on assets | 1.2911% | 2,549 |
| Return on Equity (ROE) | 7.4855% | 3,731 |
| Retained earnings to average equity (ytd only) | 1.7690% | 4,542 |
| Net charge-offs to loans | 0.0534% | 1,840 |
| Credit loss provision to net charge-offs | 1,290.0000% | 326 |
| Earnings coverage of net charge-offs (x) | 45.4000% | 1,203 |
| Efficiency ratio | 60.3563% | 3,891 |
| Assets per employee ($millions) | 4.8534% | 2,611 |
| Cash dividends to net income (ytd only)* | 76.3680% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7905% | 768 |
| Loan loss allowance to noncurrent loans | 186.2890% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 1.5602% | 837 |
| Noncurrent loans to loans | 0.9612% | 1,806 |
| Net loans and leases to total assets | 72.8597% | 2,142 |
| Net loans and leases to deposits | 86.5982% | 2,258 |
| Net loans and leases to core deposits | 87.5241% | 2,770 |
| Total domestic deposits to total assets | 84.1353% | 3,013 |
| Equity capital to assets | 13.6859% | 1,031 |
| Core capital (leverage) ratio | 13.6572% | 1,008 |
| Tier 1 risk-based capital ratio | 16.8869% | 2,134 |
| Total risk-based capital ratio | 18.1415% | 2,082 |
| Memoranda: | ||
| Average total assets | $251,722,330 | 2,489 |
| Average earning assets | $225,890,670 | 2,544 |
| Average equity | $33,691,670 | 2,135 |
| Average total loans | $187,101,330 | 2,285 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3963% | 2,207 |
| Cost of funding earning assets | 0.1740% | 5,141 |
| Net interest margin | 4.2224% | 1,119 |
| Noninterest income to average assets | 0.7060% | 1,798 |
| Noninterest expense to average assets | 2.6727% | 3,128 |
| Loan and lease loss provision to assets | 0.4728% | 227 |
| Net operating income to assets | 1.0401% | 2,689 |
| Return on assets (ROA) | 1.0401% | 2,708 |
| Pretax return on assets | 1.3474% | 2,189 |
| Return on Equity (ROE) | 7.8573% | 3,442 |
| Retained earnings to average equity (ytd only) | 0.5714% | 4,720 |
| Net charge-offs to loans | -0.0233% | 4,632 |
| Credit loss provision to net charge-offs | -2,727.2727% | 4,352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4879% | 4,131 |
| Assets per employee ($millions) | 4.7823% | 2,752 |
| Cash dividends to net income (ytd only)* | 92.7273% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6151% | 1,123 |
| Loan loss allowance to noncurrent loans | 514.3836% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 1.2953% | 1,146 |
| Noncurrent loans to loans | 0.3140% | 3,643 |
| Net loans and leases to total assets | 72.1949% | 2,139 |
| Net loans and leases to deposits | 85.2422% | 2,269 |
| Net loans and leases to core deposits | 87.1237% | 2,707 |
| Total domestic deposits to total assets | 84.6939% | 3,032 |
| Equity capital to assets | 13.2659% | 1,129 |
| Core capital (leverage) ratio | 13.4120% | 1,035 |
| Tier 1 risk-based capital ratio | 16.5251% | 2,265 |
| Total risk-based capital ratio | 17.7777% | 2,218 |
| Memoranda: | ||
| Average total assets | $253,821,000 | 2,490 |
| Average earning assets | $227,644,000 | 2,556 |
| Average equity | $33,599,500 | 2,156 |
| Average total loans | $188,835,000 | 2,288 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2945% | 2,347 |
| Cost of funding earning assets | 0.1788% | 5,103 |
| Net interest margin | 4.1156% | 1,384 |
| Noninterest income to average assets | 0.3386% | 4,050 |
| Noninterest expense to average assets | 2.6281% | 3,357 |
| Loan and lease loss provision to assets | 0.1560% | 1,444 |
| Net operating income to assets | 0.5558% | 4,207 |
| Return on assets (ROA) | 0.5558% | 4,239 |
| Pretax return on assets | 1.2076% | 2,748 |
| Return on Equity (ROE) | 4.2598% | 4,418 |
| Retained earnings to average equity (ytd only) | 1.2525% | 4,524 |
| Net charge-offs to loans | 0.4123% | 605 |
| Credit loss provision to net charge-offs | 50.1882% | 3,331 |
| Earnings coverage of net charge-offs (x) | 4.3864% | 3,475 |
| Efficiency ratio | 65.8394% | 3,302 |
| Assets per employee ($millions) | 4.6215% | 2,997 |
| Cash dividends to net income (ytd only)* | 70.5965% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4049% | 1,744 |
| Loan loss allowance to noncurrent loans | 690.5128% | 852 |
| Noncurrent assets plus other real estate owned to assets | 1.1818% | 1,257 |
| Noncurrent loans to loans | 0.2035% | 4,099 |
| Net loans and leases to total assets | 74.3513% | 1,863 |
| Net loans and leases to deposits | 87.5783% | 2,070 |
| Net loans and leases to core deposits | 89.7694% | 2,586 |
| Total domestic deposits to total assets | 84.8970% | 2,879 |
| Equity capital to assets | 13.2091% | 1,159 |
| Core capital (leverage) ratio | 13.2471% | 1,058 |
| Tier 1 risk-based capital ratio | 16.8260% | 2,150 |
| Total risk-based capital ratio | 18.0771% | 2,103 |
| Memoranda: | ||
| Average total assets | $256,379,800 | 2,444 |
| Average earning assets | $227,571,400 | 2,520 |
| Average equity | $33,452,600 | 2,155 |
| Average total loans | $193,293,000 | 2,217 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2549% | 2,414 |
| Cost of funding earning assets | 0.1787% | 5,144 |
| Net interest margin | 4.0762% | 1,462 |
| Noninterest income to average assets | 0.6902% | 2,041 |
| Noninterest expense to average assets | 2.6398% | 3,286 |
| Loan and lease loss provision to assets | 0.4281% | 310 |
| Net operating income to assets | 0.8002% | 3,520 |
| Return on assets (ROA) | 0.8002% | 3,569 |
| Pretax return on assets | 1.2330% | 2,776 |
| Return on Equity (ROE) | 6.1515% | 4,054 |
| Retained earnings to average equity (ytd only) | 2.1383% | 4,581 |
| Net charge-offs to loans | 0.5699% | 351 |
| Credit loss provision to net charge-offs | 99.6377% | 2,321 |
| Earnings coverage of net charge-offs (x) | 3.8659% | 3,290 |
| Efficiency ratio | 61.3779% | 3,980 |
| Assets per employee ($millions) | 4.7199% | 2,805 |
| Cash dividends to net income (ytd only)* | 65.2399% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6586% | 1,111 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.1277% | 589 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 71.8135% | 2,280 |
| Net loans and leases to deposits | 84.7797% | 2,464 |
| Net loans and leases to core deposits | 86.1893% | 2,946 |
| Total domestic deposits to total assets | 84.7060% | 2,835 |
| Equity capital to assets | 13.2205% | 1,285 |
| Core capital (leverage) ratio | 13.1469% | 1,148 |
| Tier 1 risk-based capital ratio | 16.9933% | 2,155 |
| Total risk-based capital ratio | 18.2469% | 2,109 |
| Memoranda: | ||
| Average total assets | $256,929,500 | 2,457 |
| Average earning assets | $227,592,250 | 2,540 |
| Average equity | $33,422,000 | 2,172 |
| Average total loans | $193,696,250 | 2,225 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2047% | 2,454 |
| Cost of funding earning assets | 0.1780% | 5,157 |
| Net interest margin | 4.0267% | 1,525 |
| Noninterest income to average assets | 0.6545% | 2,186 |
| Noninterest expense to average assets | 2.5806% | 3,492 |
| Loan and lease loss provision to assets | 0.3882% | 354 |
| Net operating income to assets | 0.8113% | 3,351 |
| Return on assets (ROA) | 0.8113% | 3,402 |
| Pretax return on assets | 1.2515% | 2,572 |
| Return on Equity (ROE) | 6.2705% | 3,921 |
| Retained earnings to average equity (ytd only) | 3.1202% | 3,854 |
| Net charge-offs to loans | 0.5840% | 334 |
| Credit loss provision to net charge-offs | 87.2600% | 2,177 |
| Earnings coverage of net charge-offs (x) | 3.6859% | 3,015 |
| Efficiency ratio | 61.1479% | 4,145 |
| Assets per employee ($millions) | 4.7907% | 2,665 |
| Cash dividends to net income (ytd only)* | 50.2392% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5589% | 1,366 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.3935% | 473 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 73.6456% | 1,937 |
| Net loans and leases to deposits | 86.6220% | 2,151 |
| Net loans and leases to core deposits | 87.9297% | 2,706 |
| Total domestic deposits to total assets | 85.0195% | 2,800 |
| Equity capital to assets | 13.0187% | 1,371 |
| Core capital (leverage) ratio | 13.0706% | 1,150 |
| Tier 1 risk-based capital ratio | 16.3237% | 2,386 |
| Total risk-based capital ratio | 17.5765% | 2,328 |
| Memoranda: | ||
| Average total assets | $257,613,670 | 2,461 |
| Average earning assets | $228,127,000 | 2,545 |
| Average equity | $33,330,670 | 2,172 |
| Average total loans | $196,220,670 | 2,201 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1568% | 2,443 |
| Cost of funding earning assets | 0.1755% | 5,193 |
| Net interest margin | 3.9813% | 1,519 |
| Noninterest income to average assets | 0.6644% | 2,124 |
| Noninterest expense to average assets | 2.5596% | 3,630 |
| Loan and lease loss provision to assets | 0.3734% | 305 |
| Net operating income to assets | 0.8091% | 3,182 |
| Return on assets (ROA) | 0.8091% | 3,241 |
| Pretax return on assets | 1.2619% | 2,381 |
| Return on Equity (ROE) | 6.2733% | 3,775 |
| Retained earnings to average equity (ytd only) | -0.0603% | 4,922 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0163% | 4,319 |
| Assets per employee ($millions) | 4.7313% | 2,795 |
| Cash dividends to net income (ytd only)* | 100.9615% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6957% | 1,151 |
| Loan loss allowance to noncurrent loans | 173.7089% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 2.7815% | 382 |
| Noncurrent loans to loans | 0.9762% | 2,094 |
| Net loans and leases to total assets | 74.1881% | 1,707 |
| Net loans and leases to deposits | 86.9973% | 1,911 |
| Net loans and leases to core deposits | 88.2952% | 2,521 |
| Total domestic deposits to total assets | 85.2764% | 2,976 |
| Equity capital to assets | 12.7411% | 1,381 |
| Core capital (leverage) ratio | 13.0001% | 1,141 |
| Tier 1 risk-based capital ratio | 16.0276% | 2,535 |
| Total risk-based capital ratio | 17.2820% | 2,487 |
| Memoranda: | ||
| Average total assets | $257,072,000 | 2,487 |
| Average earning assets | $227,965,000 | 2,568 |
| Average equity | $33,156,500 | 2,187 |
| Average total loans | $197,563,000 | 2,202 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1835% | 2,542 |
| Cost of funding earning assets | 0.1947% | 5,068 |
| Net interest margin | 3.9888% | 1,661 |
| Noninterest income to average assets | 0.1178% | 5,590 |
| Noninterest expense to average assets | 2.7458% | 3,204 |
| Loan and lease loss provision to assets | -0.2341% | 5,803 |
| Net operating income to assets | 0.7309% | 3,637 |
| Return on assets (ROA) | 0.7309% | 3,751 |
| Pretax return on assets | 1.1178% | 3,033 |
| Return on Equity (ROE) | 5.6543% | 4,133 |
| Retained earnings to average equity (ytd only) | 3.4257% | 3,490 |
| Net charge-offs to loans | -0.0734% | 5,495 |
| Credit loss provision to net charge-offs | 421.4286% | 762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6532% | 2,036 |
| Assets per employee ($millions) | 4.7023% | 2,781 |
| Cash dividends to net income (ytd only)* | 39.4137% | 2,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5548% | 1,489 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.1156% | 631 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 77.0521% | 1,357 |
| Net loans and leases to deposits | 90.5717% | 1,624 |
| Net loans and leases to core deposits | 91.9560% | 2,306 |
| Total domestic deposits to total assets | 85.0730% | 3,016 |
| Equity capital to assets | 13.0583% | 1,232 |
| Core capital (leverage) ratio | 12.9681% | 1,144 |
| Tier 1 risk-based capital ratio | 15.8372% | 2,613 |
| Total risk-based capital ratio | 17.0899% | 2,537 |
| Memoranda: | ||
| Average total assets | $252,021,000 | 2,488 |
| Average earning assets | $221,869,600 | 2,575 |
| Average equity | $32,577,200 | 2,199 |
| Average total loans | $190,839,200 | 2,201 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1736% | 2,595 |
| Cost of funding earning assets | 0.1977% | 5,095 |
| Net interest margin | 3.9759% | 1,722 |
| Noninterest income to average assets | 0.7071% | 2,136 |
| Noninterest expense to average assets | 2.7488% | 3,184 |
| Loan and lease loss provision to assets | 0.4081% | 351 |
| Net operating income to assets | 0.6832% | 3,944 |
| Return on assets (ROA) | 0.6832% | 4,072 |
| Pretax return on assets | 1.0463% | 3,444 |
| Return on Equity (ROE) | 5.2991% | 4,385 |
| Retained earnings to average equity (ytd only) | 2.3145% | 4,537 |
| Net charge-offs to loans | -0.1024% | 5,576 |
| Credit loss provision to net charge-offs | -531.0345% | 5,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3972% | 3,689 |
| Assets per employee ($millions) | 4.5665% | 2,982 |
| Cash dividends to net income (ytd only)* | 56.3231% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3586% | 401 |
| Loan loss allowance to noncurrent loans | 6,020.2703% | 119 |
| Noncurrent assets plus other real estate owned to assets | 2.7612% | 461 |
| Noncurrent loans to loans | 0.0392% | 5,213 |
| Net loans and leases to total assets | 72.1208% | 2,173 |
| Net loans and leases to deposits | 84.5207% | 2,425 |
| Net loans and leases to core deposits | 85.7954% | 2,968 |
| Total domestic deposits to total assets | 85.3292% | 2,664 |
| Equity capital to assets | 12.7520% | 1,621 |
| Core capital (leverage) ratio | 12.7806% | 1,276 |
| Tier 1 risk-based capital ratio | 16.2202% | 2,538 |
| Total risk-based capital ratio | 17.4821% | 2,488 |
| Memoranda: | ||
| Average total assets | $251,545,500 | 2,499 |
| Average earning assets | $221,192,000 | 2,596 |
| Average equity | $32,432,000 | 2,217 |
| Average total loans | $188,863,250 | 2,220 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2045% | 2,503 |
| Cost of funding earning assets | 0.2020% | 5,114 |
| Net interest margin | 4.0025% | 1,637 |
| Noninterest income to average assets | 0.6940% | 2,169 |
| Noninterest expense to average assets | 2.7711% | 3,130 |
| Loan and lease loss provision to assets | 0.3638% | 438 |
| Net operating income to assets | 0.6996% | 3,789 |
| Return on assets (ROA) | 0.6996% | 3,950 |
| Pretax return on assets | 1.0761% | 3,299 |
| Return on Equity (ROE) | 5.4058% | 4,329 |
| Retained earnings to average equity (ytd only) | 3.2435% | 3,826 |
| Net charge-offs to loans | -0.1599% | 5,763 |
| Credit loss provision to net charge-offs | -301.3245% | 4,819 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8060% | 3,708 |
| Assets per employee ($millions) | 4.5823% | 2,895 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2750% | 494 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.8704% | 435 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 70.6644% | 2,374 |
| Net loans and leases to deposits | 82.9179% | 2,598 |
| Net loans and leases to core deposits | 83.9261% | 3,089 |
| Total domestic deposits to total assets | 85.2221% | 2,776 |
| Equity capital to assets | 12.9245% | 1,548 |
| Core capital (leverage) ratio | 12.9460% | 1,171 |
| Tier 1 risk-based capital ratio | 16.7555% | 2,330 |
| Total risk-based capital ratio | 18.0164% | 2,272 |
| Memoranda: | ||
| Average total assets | $250,152,330 | 2,529 |
| Average earning assets | $219,814,330 | 2,619 |
| Average equity | $32,372,670 | 2,226 |
| Average total loans | $188,855,670 | 2,222 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2623% | 2,263 |
| Cost of funding earning assets | 0.2064% | 5,142 |
| Net interest margin | 4.0559% | 1,458 |
| Noninterest income to average assets | 0.6645% | 2,198 |
| Noninterest expense to average assets | 2.7671% | 3,193 |
| Loan and lease loss provision to assets | 0.3130% | 495 |
| Net operating income to assets | 0.7415% | 3,525 |
| Return on assets (ROA) | 0.7415% | 3,634 |
| Pretax return on assets | 1.1476% | 2,900 |
| Return on Equity (ROE) | 5.7262% | 4,118 |
| Retained earnings to average equity (ytd only) | 5.7262% | 2,510 |
| Net charge-offs to loans | -0.3247% | 5,948 |
| Credit loss provision to net charge-offs | -125.0000% | 4,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4518% | 3,888 |
| Assets per employee ($millions) | 4.6540% | 2,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0390% | 770 |
| Loan loss allowance to noncurrent loans | 14,411.1111% | 59 |
| Noncurrent assets plus other real estate owned to assets | 2.8434% | 468 |
| Noncurrent loans to loans | 0.0141% | 5,463 |
| Net loans and leases to total assets | 74.3845% | 1,667 |
| Net loans and leases to deposits | 87.2358% | 1,912 |
| Net loans and leases to core deposits | 88.2542% | 2,538 |
| Total domestic deposits to total assets | 85.2684% | 3,010 |
| Equity capital to assets | 12.9351% | 1,440 |
| Core capital (leverage) ratio | 13.1267% | 1,114 |
| Tier 1 risk-based capital ratio | 16.1425% | 2,612 |
| Total risk-based capital ratio | 17.4007% | 2,560 |
| Memoranda: | ||
| Average total assets | $249,216,000 | 2,546 |
| Average earning assets | $218,941,500 | 2,636 |
| Average equity | $32,272,500 | 2,234 |
| Average total loans | $192,164,500 | 2,186 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2896% | 2,252 |
| Cost of funding earning assets | 0.2717% | 4,564 |
| Net interest margin | 4.0179% | 1,657 |
| Noninterest income to average assets | 0.7181% | 2,112 |
| Noninterest expense to average assets | 3.1526% | 2,083 |
| Loan and lease loss provision to assets | 0.1013% | 2,294 |
| Net operating income to assets | 0.6249% | 4,163 |
| Return on assets (ROA) | 0.6249% | 4,254 |
| Pretax return on assets | 0.9454% | 3,672 |
| Return on Equity (ROE) | 4.8422% | 4,586 |
| Retained earnings to average equity (ytd only) | 2.0945% | 4,531 |
| Net charge-offs to loans | -0.1080% | 5,800 |
| Credit loss provision to net charge-offs | -124.3781% | 5,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0748% | 2,417 |
| Assets per employee ($millions) | 4.3354% | 3,330 |
| Cash dividends to net income (ytd only)* | 56.7445% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8295% | 1,083 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.9250% | 457 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 76.8699% | 1,273 |
| Net loans and leases to deposits | 90.1526% | 1,592 |
| Net loans and leases to core deposits | 91.5010% | 2,268 |
| Total domestic deposits to total assets | 85.2664% | 2,962 |
| Equity capital to assets | 12.9644% | 1,367 |
| Core capital (leverage) ratio | 12.9240% | 1,175 |
| Tier 1 risk-based capital ratio | 15.5644% | 2,903 |
| Total risk-based capital ratio | 16.8204% | 2,829 |
| Memoranda: | ||
| Average total assets | $246,779,000 | 2,531 |
| Average earning assets | $213,819,400 | 2,646 |
| Average equity | $31,845,000 | 2,212 |
| Average total loans | $186,031,400 | 2,186 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2653% | 2,348 |
| Cost of funding earning assets | 0.2793% | 4,565 |
| Net interest margin | 3.9861% | 1,742 |
| Noninterest income to average assets | 0.7723% | 1,922 |
| Noninterest expense to average assets | 2.8466% | 3,015 |
| Loan and lease loss provision to assets | 0.2973% | 499 |
| Net operating income to assets | 0.6972% | 3,910 |
| Return on assets (ROA) | 0.6972% | 4,022 |
| Pretax return on assets | 1.0690% | 3,332 |
| Return on Equity (ROE) | 5.4092% | 4,445 |
| Retained earnings to average equity (ytd only) | 1.7402% | 5,006 |
| Net charge-offs to loans | -0.1144% | 5,834 |
| Credit loss provision to net charge-offs | -348.1013% | 5,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5690% | 3,619 |
| Assets per employee ($millions) | 4.5543% | 2,913 |
| Cash dividends to net income (ytd only)* | 67.8295% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0329% | 873 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.1362% | 463 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 74.4027% | 1,657 |
| Net loans and leases to deposits | 87.3196% | 1,988 |
| Net loans and leases to core deposits | 88.6265% | 2,596 |
| Total domestic deposits to total assets | 85.2073% | 2,928 |
| Equity capital to assets | 12.9288% | 1,485 |
| Core capital (leverage) ratio | 12.2491% | 1,542 |
| Tier 1 risk-based capital ratio | 14.8447% | 3,373 |
| Total risk-based capital ratio | 16.1086% | 3,310 |
| Memoranda: | ||
| Average total assets | $246,695,000 | 2,553 |
| Average earning assets | $212,936,500 | 2,668 |
| Average equity | $31,797,000 | 2,227 |
| Average total loans | $184,165,000 | 2,215 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2505% | 2,355 |
| Cost of funding earning assets | 0.2873% | 4,532 |
| Net interest margin | 3.9632% | 1,769 |
| Noninterest income to average assets | 0.7613% | 1,942 |
| Noninterest expense to average assets | 2.7714% | 3,349 |
| Loan and lease loss provision to assets | 0.3240% | 431 |
| Net operating income to assets | 0.7014% | 3,885 |
| Return on assets (ROA) | 0.7014% | 4,005 |
| Pretax return on assets | 1.0731% | 3,281 |
| Return on Equity (ROE) | 5.4470% | 4,400 |
| Retained earnings to average equity (ytd only) | 5.4470% | 2,570 |
| Net charge-offs to loans | -0.1724% | 5,980 |
| Credit loss provision to net charge-offs | -253.1646% | 5,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4853% | 3,924 |
| Assets per employee ($millions) | 4.4906% | 3,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9662% | 1,037 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.2104% | 481 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 73.6256% | 1,722 |
| Net loans and leases to deposits | 86.4013% | 2,015 |
| Net loans and leases to core deposits | 87.7895% | 2,572 |
| Total domestic deposits to total assets | 85.2135% | 3,033 |
| Equity capital to assets | 13.0548% | 1,374 |
| Core capital (leverage) ratio | 12.3373% | 1,464 |
| Tier 1 risk-based capital ratio | 14.8439% | 3,452 |
| Total risk-based capital ratio | 16.1074% | 3,377 |
| Memoranda: | ||
| Average total assets | $246,949,330 | 2,569 |
| Average earning assets | $212,305,000 | 2,690 |
| Average equity | $31,797,330 | 2,230 |
| Average total loans | $183,294,330 | 2,239 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2080% | 2,423 |
| Cost of funding earning assets | 0.2935% | 4,514 |
| Net interest margin | 3.9144% | 1,843 |
| Noninterest income to average assets | 0.8099% | 1,676 |
| Noninterest expense to average assets | 2.5594% | 4,067 |
| Loan and lease loss provision to assets | 0.5670% | 171 |
| Net operating income to assets | 0.6658% | 3,975 |
| Return on assets (ROA) | 0.6658% | 4,098 |
| Pretax return on assets | 1.0319% | 3,371 |
| Return on Equity (ROE) | 5.2067% | 4,431 |
| Retained earnings to average equity (ytd only) | 5.2067% | 2,946 |
| Net charge-offs to loans | -0.2349% | 6,091 |
| Credit loss provision to net charge-offs | -327.1028% | 4,729 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5504% | 4,872 |
| Assets per employee ($millions) | 4.5762% | 2,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9079% | 1,269 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.3482% | 317 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 73.7772% | 1,541 |
| Net loans and leases to deposits | 86.3969% | 1,783 |
| Net loans and leases to core deposits | 87.7737% | 2,352 |
| Total domestic deposits to total assets | 85.3933% | 3,222 |
| Equity capital to assets | 12.8629% | 1,471 |
| Core capital (leverage) ratio | 12.1129% | 1,569 |
| Tier 1 risk-based capital ratio | 14.1789% | 3,894 |
| Total risk-based capital ratio | 15.4343% | 3,821 |
| Memoranda: | ||
| Average total assets | $246,933,000 | 2,585 |
| Average earning assets | $211,218,500 | 2,716 |
| Average equity | $31,574,500 | 2,254 |
| Average total loans | $182,197,000 | 2,260 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2947% | 2,625 |
| Cost of funding earning assets | 0.3470% | 4,283 |
| Net interest margin | 3.9477% | 2,058 |
| Noninterest income to average assets | 0.4864% | 3,614 |
| Noninterest expense to average assets | 3.1063% | 2,492 |
| Loan and lease loss provision to assets | -0.0706% | 6,091 |
| Net operating income to assets | 0.5283% | 4,689 |
| Return on assets (ROA) | 0.5283% | 4,777 |
| Pretax return on assets | 0.8002% | 4,262 |
| Return on Equity (ROE) | 4.1006% | 5,071 |
| Retained earnings to average equity (ytd only) | -2.8829% | 6,082 |
| Net charge-offs to loans | 0.9463% | 331 |
| Credit loss provision to net charge-offs | -10.4916% | 5,317 |
| Earnings coverage of net charge-offs (x) | 1.0845% | 4,498 |
| Efficiency ratio | 80.9799% | 1,772 |
| Assets per employee ($millions) | 4.3290% | 3,313 |
| Cash dividends to net income (ytd only)* | 170.3053% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7302% | 1,700 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.9495% | 284 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 71.1019% | 2,057 |
| Net loans and leases to deposits | 82.9430% | 2,346 |
| Net loans and leases to core deposits | 84.2543% | 2,870 |
| Total domestic deposits to total assets | 85.7238% | 2,974 |
| Equity capital to assets | 12.7103% | 1,530 |
| Core capital (leverage) ratio | 11.7958% | 1,767 |
| Tier 1 risk-based capital ratio | 14.2737% | 3,919 |
| Total risk-based capital ratio | 15.5269% | 3,840 |
| Memoranda: | ||
| Average total assets | $247,947,400 | 2,545 |
| Average earning assets | $210,377,000 | 2,704 |
| Average equity | $31,946,600 | 2,166 |
| Average total loans | $176,273,000 | 2,268 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2454% | 2,824 |
| Cost of funding earning assets | 0.3557% | 4,279 |
| Net interest margin | 3.8898% | 2,285 |
| Noninterest income to average assets | 0.7267% | 2,202 |
| Noninterest expense to average assets | 3.1559% | 2,305 |
| Loan and lease loss provision to assets | 0.0537% | 3,296 |
| Net operating income to assets | 0.5366% | 4,729 |
| Return on assets (ROA) | 0.5366% | 4,800 |
| Pretax return on assets | 0.8121% | 4,324 |
| Return on Equity (ROE) | 4.1504% | 5,110 |
| Retained earnings to average equity (ytd only) | -5.1184% | 6,260 |
| Net charge-offs to loans | 0.9842% | 318 |
| Credit loss provision to net charge-offs | 7.7101% | 3,736 |
| Earnings coverage of net charge-offs (x) | 1.2429% | 4,197 |
| Efficiency ratio | 78.4722% | 2,112 |
| Assets per employee ($millions) | 4.4770% | 3,015 |
| Cash dividends to net income (ytd only)* | 223.3226% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0999% | 1,091 |
| Loan loss allowance to noncurrent loans | 663.4103% | 787 |
| Noncurrent assets plus other real estate owned to assets | 5.0870% | 331 |
| Noncurrent loans to loans | 0.3165% | 4,960 |
| Net loans and leases to total assets | 70.7177% | 2,073 |
| Net loans and leases to deposits | 82.4906% | 2,360 |
| Net loans and leases to core deposits | 83.7897% | 2,903 |
| Total domestic deposits to total assets | 85.7282% | 2,993 |
| Equity capital to assets | 12.6096% | 1,631 |
| Core capital (leverage) ratio | 11.5639% | 2,008 |
| Tier 1 risk-based capital ratio | 13.9318% | 4,266 |
| Total risk-based capital ratio | 15.1889% | 4,204 |
| Memoranda: | ||
| Average total assets | $248,246,000 | 2,554 |
| Average earning assets | $210,291,000 | 2,727 |
| Average equity | $32,092,500 | 2,171 |
| Average total loans | $175,707,500 | 2,287 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2169% | 2,889 |
| Cost of funding earning assets | 0.3612% | 4,308 |
| Net interest margin | 3.8556% | 2,358 |
| Noninterest income to average assets | 0.6380% | 2,613 |
| Noninterest expense to average assets | 3.1167% | 2,432 |
| Loan and lease loss provision to assets | 0.0362% | 3,568 |
| Net operating income to assets | 0.4909% | 4,841 |
| Return on assets (ROA) | 0.4909% | 4,919 |
| Pretax return on assets | 0.7440% | 4,483 |
| Return on Equity (ROE) | 3.7669% | 5,248 |
| Retained earnings to average equity (ytd only) | 2.3613% | 4,703 |
| Net charge-offs to loans | 0.6903% | 555 |
| Credit loss provision to net charge-offs | 7.4503% | 3,331 |
| Earnings coverage of net charge-offs (x) | 1.6076% | 3,760 |
| Efficiency ratio | 79.9794% | 2,027 |
| Assets per employee ($millions) | 4.5184% | 2,894 |
| Cash dividends to net income (ytd only)* | 37.3159% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4547% | 758 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.9998% | 359 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 69.9273% | 2,098 |
| Net loans and leases to deposits | 81.9858% | 2,253 |
| Net loans and leases to core deposits | 83.1652% | 2,830 |
| Total domestic deposits to total assets | 85.2920% | 3,364 |
| Equity capital to assets | 13.1463% | 1,293 |
| Core capital (leverage) ratio | 12.1778% | 1,560 |
| Tier 1 risk-based capital ratio | 14.8178% | 3,744 |
| Total risk-based capital ratio | 16.0789% | 3,673 |
| Memoranda: | ||
| Average total assets | $248,916,670 | 2,554 |
| Average earning assets | $210,393,670 | 2,735 |
| Average equity | $32,440,330 | 2,139 |
| Average total loans | $174,988,000 | 2,294 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1475% | 3,088 |
| Cost of funding earning assets | 0.3763% | 4,239 |
| Net interest margin | 3.7711% | 2,591 |
| Noninterest income to average assets | 0.7723% | 1,866 |
| Noninterest expense to average assets | 3.1037% | 2,518 |
| Loan and lease loss provision to assets | 0.0723% | 2,695 |
| Net operating income to assets | 0.5170% | 4,600 |
| Return on assets (ROA) | 0.5170% | 4,677 |
| Pretax return on assets | 0.7820% | 4,174 |
| Return on Equity (ROE) | 3.9845% | 5,045 |
| Retained earnings to average equity (ytd only) | 1.1632% | 5,136 |
| Net charge-offs to loans | 0.1038% | 2,139 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | 11.8222% | 1,756 |
| Efficiency ratio | 78.4178% | 2,425 |
| Assets per employee ($millions) | 4.3852% | 3,175 |
| Cash dividends to net income (ytd only)* | 70.8075% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8422% | 513 |
| Loan loss allowance to noncurrent loans | 927.0677% | 551 |
| Noncurrent assets plus other real estate owned to assets | 5.4841% | 349 |
| Noncurrent loans to loans | 0.3066% | 5,191 |
| Net loans and leases to total assets | 67.4492% | 2,308 |
| Net loans and leases to deposits | 78.8523% | 2,446 |
| Net loans and leases to core deposits | 79.9706% | 2,967 |
| Total domestic deposits to total assets | 85.5387% | 3,592 |
| Equity capital to assets | 12.9518% | 1,326 |
| Core capital (leverage) ratio | 11.9838% | 1,661 |
| Tier 1 risk-based capital ratio | 14.7334% | 3,869 |
| Total risk-based capital ratio | 15.9983% | 3,804 |
| Memoranda: | ||
| Average total assets | $249,119,500 | 2,565 |
| Average earning assets | $210,442,500 | 2,750 |
| Average equity | $32,325,500 | 2,134 |
| Average total loans | $173,407,000 | 2,306 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3172% | 2,892 |
| Cost of funding earning assets | 0.4718% | 3,892 |
| Net interest margin | 3.8453% | 2,484 |
| Noninterest income to average assets | 0.9080% | 1,652 |
| Noninterest expense to average assets | 3.1469% | 2,605 |
| Loan and lease loss provision to assets | 0.2579% | 1,392 |
| Net operating income to assets | 0.4917% | 4,766 |
| Return on assets (ROA) | 0.4917% | 4,906 |
| Pretax return on assets | 0.7437% | 4,362 |
| Return on Equity (ROE) | 3.8942% | 5,162 |
| Retained earnings to average equity (ytd only) | 3.2059% | 3,952 |
| Net charge-offs to loans | 0.2248% | 2,665 |
| Credit loss provision to net charge-offs | 167.5258% | 1,357 |
| Earnings coverage of net charge-offs (x) | 6.5052% | 3,051 |
| Efficiency ratio | 75.8561% | 2,796 |
| Assets per employee ($millions) | 4.2082% | 3,427 |
| Cash dividends to net income (ytd only)* | 17.6755% | 3,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8461% | 561 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 5.5014% | 388 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 67.8084% | 2,385 |
| Net loans and leases to deposits | 79.1638% | 2,566 |
| Net loans and leases to core deposits | 80.2865% | 3,098 |
| Total domestic deposits to total assets | 85.6558% | 3,425 |
| Equity capital to assets | 13.0001% | 1,273 |
| Core capital (leverage) ratio | 11.8588% | 1,711 |
| Tier 1 risk-based capital ratio | 14.7639% | 3,810 |
| Total risk-based capital ratio | 16.0288% | 3,741 |
| Memoranda: | ||
| Average total assets | $251,995,400 | 2,509 |
| Average earning assets | $212,360,800 | 2,692 |
| Average equity | $31,816,800 | 2,141 |
| Average total loans | $172,626,800 | 2,274 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2943% | 3,020 |
| Cost of funding earning assets | 0.4812% | 3,954 |
| Net interest margin | 3.8130% | 2,598 |
| Noninterest income to average assets | 0.8962% | 1,767 |
| Noninterest expense to average assets | 3.1803% | 2,418 |
| Loan and lease loss provision to assets | 0.1318% | 2,638 |
| Net operating income to assets | 0.5250% | 4,687 |
| Return on assets (ROA) | 0.5250% | 4,842 |
| Pretax return on assets | 0.7960% | 4,309 |
| Return on Equity (ROE) | 4.1889% | 5,135 |
| Retained earnings to average equity (ytd only) | 3.2679% | 4,350 |
| Net charge-offs to loans | 0.3433% | 1,828 |
| Credit loss provision to net charge-offs | 56.3063% | 3,371 |
| Earnings coverage of net charge-offs (x) | 3.9639% | 3,571 |
| Efficiency ratio | 77.4156% | 2,493 |
| Assets per employee ($millions) | 4.4041% | 3,042 |
| Cash dividends to net income (ytd only)* | 21.9877% | 3,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5602% | 876 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 5.5575% | 468 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 66.6912% | 2,524 |
| Net loans and leases to deposits | 77.4872% | 2,744 |
| Net loans and leases to core deposits | 78.5418% | 3,291 |
| Total domestic deposits to total assets | 86.0674% | 3,217 |
| Equity capital to assets | 12.5381% | 1,564 |
| Core capital (leverage) ratio | 11.5826% | 1,974 |
| Tier 1 risk-based capital ratio | 14.3252% | 4,200 |
| Total risk-based capital ratio | 15.5870% | 4,135 |
| Memoranda: | ||
| Average total assets | $252,923,750 | 2,521 |
| Average earning assets | $213,053,750 | 2,706 |
| Average equity | $31,701,750 | 2,167 |
| Average total loans | $172,461,500 | 2,284 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2750% | 3,058 |
| Cost of funding earning assets | 0.4908% | 3,983 |
| Net interest margin | 3.7841% | 2,615 |
| Noninterest income to average assets | 0.8957% | 1,823 |
| Noninterest expense to average assets | 3.2354% | 2,263 |
| Loan and lease loss provision to assets | 0.1349% | 2,641 |
| Net operating income to assets | 0.4665% | 4,943 |
| Return on assets (ROA) | 0.4665% | 5,120 |
| Pretax return on assets | 0.7061% | 4,665 |
| Return on Equity (ROE) | 3.7223% | 5,327 |
| Retained earnings to average equity (ytd only) | 3.7223% | 3,934 |
| Net charge-offs to loans | 0.3029% | 1,974 |
| Credit loss provision to net charge-offs | 65.3846% | 2,924 |
| Earnings coverage of net charge-offs (x) | 4.0769% | 3,217 |
| Efficiency ratio | 79.3694% | 2,246 |
| Assets per employee ($millions) | 4.2242% | 3,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6512% | 825 |
| Loan loss allowance to noncurrent loans | 259.4901% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 6.3642% | 406 |
| Noncurrent loans to loans | 1.0217% | 3,894 |
| Net loans and leases to total assets | 66.3531% | 2,529 |
| Net loans and leases to deposits | 77.0018% | 2,726 |
| Net loans and leases to core deposits | 77.9599% | 3,296 |
| Total domestic deposits to total assets | 86.1708% | 3,278 |
| Equity capital to assets | 12.5618% | 1,539 |
| Core capital (leverage) ratio | 11.5862% | 1,864 |
| Tier 1 risk-based capital ratio | 14.1186% | 4,347 |
| Total risk-based capital ratio | 15.3808% | 4,298 |
| Memoranda: | ||
| Average total assets | $252,086,000 | 2,533 |
| Average earning assets | $211,885,330 | 2,719 |
| Average equity | $31,593,330 | 2,179 |
| Average total loans | $171,672,000 | 2,299 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3580% | 2,662 |
| Cost of funding earning assets | 0.5060% | 4,026 |
| Net interest margin | 3.8520% | 2,275 |
| Noninterest income to average assets | 1.0787% | 1,273 |
| Noninterest expense to average assets | 3.2601% | 2,184 |
| Loan and lease loss provision to assets | 0.2068% | 1,796 |
| Net operating income to assets | 0.5521% | 4,449 |
| Return on assets (ROA) | 0.5521% | 4,601 |
| Pretax return on assets | 0.8337% | 4,027 |
| Return on Equity (ROE) | 4.4104% | 4,889 |
| Retained earnings to average equity (ytd only) | 4.4104% | 3,590 |
| Net charge-offs to loans | 0.1192% | 2,713 |
| Credit loss provision to net charge-offs | 254.9020% | 912 |
| Earnings coverage of net charge-offs (x) | 12.8235% | 1,572 |
| Efficiency ratio | 75.8047% | 2,957 |
| Assets per employee ($millions) | 4.4257% | 3,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8266% | 796 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 6.0124% | 532 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 64.7191% | 2,580 |
| Net loans and leases to deposits | 75.0438% | 2,769 |
| Net loans and leases to core deposits | 76.0647% | 3,314 |
| Total domestic deposits to total assets | 86.2418% | 3,393 |
| Equity capital to assets | 12.5436% | 1,687 |
| Core capital (leverage) ratio | 11.4121% | 1,939 |
| Tier 1 risk-based capital ratio | 13.8714% | 4,596 |
| Total risk-based capital ratio | 15.1348% | 4,547 |
| Memoranda: | ||
| Average total assets | $251,404,000 | 2,565 |
| Average earning assets | $210,278,000 | 2,771 |
| Average equity | $31,471,000 | 2,214 |
| Average total loans | $171,132,000 | 2,310 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6079% | 2,969 |
| Cost of funding earning assets | 0.6397% | 4,007 |
| Net interest margin | 3.9682% | 2,535 |
| Noninterest income to average assets | 0.6915% | 2,762 |
| Noninterest expense to average assets | 2.8950% | 3,660 |
| Loan and lease loss provision to assets | 0.2290% | 2,841 |
| Net operating income to assets | 0.5667% | 4,394 |
| Return on assets (ROA) | 0.5667% | 4,655 |
| Pretax return on assets | 0.8651% | 4,050 |
| Return on Equity (ROE) | 4.8203% | 4,767 |
| Retained earnings to average equity (ytd only) | 3.4570% | 3,792 |
| Net charge-offs to loans | 0.6881% | 1,717 |
| Credit loss provision to net charge-offs | 49.7100% | 4,705 |
| Earnings coverage of net charge-offs (x) | 2.3753% | 4,221 |
| Efficiency ratio | 72.5725% | 3,312 |
| Assets per employee ($millions) | 4.3197% | 3,307 |
| Cash dividends to net income (ytd only)* | 28.2828% | 3,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6800% | 946 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 6.2923% | 532 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 67.6855% | 2,241 |
| Net loans and leases to deposits | 78.3448% | 2,480 |
| Net loans and leases to core deposits | 79.3611% | 3,094 |
| Total domestic deposits to total assets | 86.3944% | 3,158 |
| Equity capital to assets | 12.4924% | 1,719 |
| Core capital (leverage) ratio | 11.2079% | 2,087 |
| Tier 1 risk-based capital ratio | 13.4262% | 4,809 |
| Total risk-based capital ratio | 14.6883% | 4,752 |
| Memoranda: | ||
| Average total assets | $262,037,600 | 2,416 |
| Average earning assets | $217,755,200 | 2,633 |
| Average equity | $30,807,200 | 2,206 |
| Average total loans | $175,412,800 | 2,255 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5935% | 3,237 |
| Cost of funding earning assets | 0.6687% | 4,027 |
| Net interest margin | 3.9248% | 2,824 |
| Noninterest income to average assets | 0.6417% | 3,035 |
| Noninterest expense to average assets | 2.8839% | 3,663 |
| Loan and lease loss provision to assets | 0.2265% | 2,797 |
| Net operating income to assets | 0.5325% | 4,694 |
| Return on assets (ROA) | 0.5325% | 4,966 |
| Pretax return on assets | 0.7927% | 4,517 |
| Return on Equity (ROE) | 4.5972% | 5,004 |
| Retained earnings to average equity (ytd only) | 2.7723% | 4,889 |
| Net charge-offs to loans | 0.9197% | 1,179 |
| Credit loss provision to net charge-offs | 37.1287% | 4,677 |
| Earnings coverage of net charge-offs (x) | 1.6708% | 4,437 |
| Efficiency ratio | 73.8878% | 3,004 |
| Assets per employee ($millions) | 4.4330% | 3,029 |
| Cash dividends to net income (ytd only)* | 39.6979% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5505% | 1,142 |
| Loan loss allowance to noncurrent loans | 600.3989% | 655 |
| Noncurrent assets plus other real estate owned to assets | 6.6539% | 552 |
| Noncurrent loans to loans | 0.4248% | 5,600 |
| Net loans and leases to total assets | 67.0944% | 2,441 |
| Net loans and leases to deposits | 77.2039% | 2,769 |
| Net loans and leases to core deposits | 78.3124% | 3,413 |
| Total domestic deposits to total assets | 86.9054% | 2,732 |
| Equity capital to assets | 12.0095% | 2,246 |
| Core capital (leverage) ratio | 10.8365% | 2,557 |
| Tier 1 risk-based capital ratio | 13.3268% | 4,999 |
| Total risk-based capital ratio | 14.5881% | 4,961 |
| Memoranda: | ||
| Average total assets | $264,911,000 | 2,419 |
| Average earning assets | $220,131,000 | 2,641 |
| Average equity | $30,684,250 | 2,233 |
| Average total loans | $175,703,000 | 2,283 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6024% | 3,352 |
| Cost of funding earning assets | 0.7162% | 3,889 |
| Net interest margin | 3.8862% | 2,967 |
| Noninterest income to average assets | 0.5809% | 3,373 |
| Noninterest expense to average assets | 2.8649% | 3,763 |
| Loan and lease loss provision to assets | 0.2243% | 2,838 |
| Net operating income to assets | 0.4658% | 4,974 |
| Return on assets (ROA) | 0.4658% | 5,213 |
| Pretax return on assets | 0.7088% | 4,810 |
| Return on Equity (ROE) | 4.0693% | 5,233 |
| Retained earnings to average equity (ytd only) | 4.0693% | 3,899 |
| Net charge-offs to loans | 0.5295% | 2,005 |
| Credit loss provision to net charge-offs | 64.6552% | 3,697 |
| Earnings coverage of net charge-offs (x) | 2.6897% | 3,666 |
| Efficiency ratio | 75.4331% | 2,837 |
| Assets per employee ($millions) | 4.6612% | 2,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9460% | 824 |
| Loan loss allowance to noncurrent loans | 593.1555% | 629 |
| Noncurrent assets plus other real estate owned to assets | 6.8836% | 576 |
| Noncurrent loans to loans | 0.4967% | 5,541 |
| Net loans and leases to total assets | 64.5321% | 2,927 |
| Net loans and leases to deposits | 74.0476% | 3,287 |
| Net loans and leases to core deposits | 75.3510% | 3,832 |
| Total domestic deposits to total assets | 87.1495% | 2,687 |
| Equity capital to assets | 11.8238% | 2,291 |
| Core capital (leverage) ratio | 10.6043% | 2,706 |
| Tier 1 risk-based capital ratio | 13.3272% | 4,947 |
| Total risk-based capital ratio | 14.5923% | 4,896 |
| Memoranda: | ||
| Average total assets | $267,510,000 | 2,392 |
| Average earning assets | $221,449,330 | 2,628 |
| Average equity | $30,619,670 | 2,222 |
| Average total loans | $175,262,670 | 2,291 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6714% | 3,157 |
| Cost of funding earning assets | 0.7977% | 3,494 |
| Net interest margin | 3.8736% | 3,036 |
| Noninterest income to average assets | 1.2041% | 992 |
| Noninterest expense to average assets | 2.9326% | 3,499 |
| Loan and lease loss provision to assets | 0.2216% | 2,736 |
| Net operating income to assets | 0.7845% | 3,448 |
| Return on assets (ROA) | 0.7845% | 3,690 |
| Pretax return on assets | 1.2351% | 2,786 |
| Return on Equity (ROE) | 6.9644% | 3,802 |
| Retained earnings to average equity (ytd only) | 6.9644% | 2,451 |
| Net charge-offs to loans | -0.1385% | 6,898 |
| Credit loss provision to net charge-offs | -245.9016% | 5,633 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8125% | 4,396 |
| Assets per employee ($millions) | 4.6872% | 2,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1484% | 716 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 7.6183% | 524 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 63.1893% | 3,006 |
| Net loans and leases to deposits | 73.7696% | 3,146 |
| Net loans and leases to core deposits | 75.1488% | 3,725 |
| Total domestic deposits to total assets | 85.6576% | 3,710 |
| Equity capital to assets | 11.5124% | 2,433 |
| Core capital (leverage) ratio | 10.1742% | 3,144 |
| Tier 1 risk-based capital ratio | 12.6787% | 5,467 |
| Total risk-based capital ratio | 13.9453% | 5,411 |
| Memoranda: | ||
| Average total assets | $270,752,500 | 2,376 |
| Average earning assets | $222,633,000 | 2,630 |
| Average equity | $30,498,000 | 2,232 |
| Average total loans | $176,115,000 | 2,289 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8374% | 3,641 |
| Cost of funding earning assets | 1.0462% | 3,050 |
| Net interest margin | 3.7912% | 3,870 |
| Noninterest income to average assets | 0.5770% | 3,317 |
| Noninterest expense to average assets | 2.6733% | 4,846 |
| Loan and lease loss provision to assets | 3.3429% | 93 |
| Net operating income to assets | -1.3685% | 6,878 |
| Return on assets (ROA) | -1.3685% | 6,896 |
| Pretax return on assets | -2.2808% | 7,081 |
| Return on Equity (ROE) | -11.9282% | 6,797 |
| Retained earnings to average equity (ytd only) | -12.8327% | 6,799 |
| Net charge-offs to loans | 5.6590% | 59 |
| Credit loss provision to net charge-offs | 86.1527% | 4,196 |
| Earnings coverage of net charge-offs (x) | 0.2737% | 5,626 |
| Efficiency ratio | 71.5671% | 3,670 |
| Assets per employee ($millions) | 4.8129% | 2,435 |
| Cash dividends to net income (ytd only)* | -7.5827% | 7,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9660% | 840 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 8.1758% | 486 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 62.9312% | 3,423 |
| Net loans and leases to deposits | 74.5247% | 3,410 |
| Net loans and leases to core deposits | 76.1650% | 3,960 |
| Total domestic deposits to total assets | 84.4434% | 4,121 |
| Equity capital to assets | 11.0224% | 2,959 |
| Core capital (leverage) ratio | 9.5754% | 3,909 |
| Tier 1 risk-based capital ratio | 12.2130% | 5,678 |
| Total risk-based capital ratio | 13.4776% | 5,637 |
| Memoranda: | ||
| Average total assets | $287,177,200 | 2,216 |
| Average earning assets | $239,240,400 | 2,412 |
| Average equity | $32,947,200 | 2,024 |
| Average total loans | $196,906,600 | 2,068 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8454% | 3,808 |
| Cost of funding earning assets | 1.0880% | 3,060 |
| Net interest margin | 3.7574% | 4,077 |
| Noninterest income to average assets | 0.4913% | 3,936 |
| Noninterest expense to average assets | 2.6786% | 4,809 |
| Loan and lease loss provision to assets | 3.6732% | 75 |
| Net operating income to assets | -1.6373% | 7,072 |
| Return on assets (ROA) | -1.6373% | 7,081 |
| Pretax return on assets | -2.7163% | 7,247 |
| Return on Equity (ROE) | -14.1401% | 6,996 |
| Retained earnings to average equity (ytd only) | -15.3218% | 6,997 |
| Net charge-offs to loans | 6.8254% | 40 |
| Credit loss provision to net charge-offs | 77.4969% | 4,229 |
| Earnings coverage of net charge-offs (x) | 0.2019% | 5,445 |
| Efficiency ratio | 73.6802% | 3,243 |
| Assets per employee ($millions) | 5.0469% | 2,130 |
| Cash dividends to net income (ytd only)* | -8.3566% | 7,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4678% | 1,441 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 8.1291% | 536 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 62.8855% | 3,533 |
| Net loans and leases to deposits | 74.2592% | 3,621 |
| Net loans and leases to core deposits | 75.7958% | 4,215 |
| Total domestic deposits to total assets | 84.6838% | 3,925 |
| Equity capital to assets | 10.8362% | 3,311 |
| Core capital (leverage) ratio | 9.4113% | 4,288 |
| Tier 1 risk-based capital ratio | 12.2446% | 5,710 |
| Total risk-based capital ratio | 13.5045% | 5,684 |
| Memoranda: | ||
| Average total assets | $290,388,250 | 2,210 |
| Average earning assets | $242,998,750 | 2,375 |
| Average equity | $33,624,500 | 1,988 |
| Average total loans | $201,653,750 | 2,047 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9061% | 3,592 |
| Cost of funding earning assets | 1.1275% | 3,055 |
| Net interest margin | 3.7786% | 3,897 |
| Noninterest income to average assets | 0.7236% | 2,415 |
| Noninterest expense to average assets | 2.7757% | 4,522 |
| Loan and lease loss provision to assets | 0.8192% | 1,119 |
| Net operating income to assets | 0.2164% | 5,679 |
| Return on assets (ROA) | 0.2164% | 5,794 |
| Pretax return on assets | 0.3065% | 5,657 |
| Return on Equity (ROE) | 1.8311% | 5,853 |
| Retained earnings to average equity (ytd only) | 1.8311% | 5,071 |
| Net charge-offs to loans | 2.4091% | 511 |
| Credit loss provision to net charge-offs | 47.8660% | 4,637 |
| Earnings coverage of net charge-offs (x) | 0.6578% | 4,804 |
| Efficiency ratio | 71.1461% | 3,908 |
| Assets per employee ($millions) | 4.9903% | 2,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8183% | 1,063 |
| Loan loss allowance to noncurrent loans | 77.9112% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 10.2830% | 371 |
| Noncurrent loans to loans | 3.6173% | 1,946 |
| Net loans and leases to total assets | 65.6800% | 3,099 |
| Net loans and leases to deposits | 78.5608% | 3,030 |
| Net loans and leases to core deposits | 80.4155% | 3,725 |
| Total domestic deposits to total assets | 83.6041% | 4,505 |
| Equity capital to assets | 12.0236% | 2,071 |
| Core capital (leverage) ratio | 11.3933% | 1,985 |
| Tier 1 risk-based capital ratio | 14.5268% | 3,765 |
| Total risk-based capital ratio | 15.7911% | 3,733 |
| Memoranda: | ||
| Average total assets | $292,975,000 | 2,192 |
| Average earning assets | $246,388,670 | 2,362 |
| Average equity | $34,624,000 | 1,923 |
| Average total loans | $208,128,670 | 2,017 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9696% | 3,252 |
| Cost of funding earning assets | 1.1884% | 2,891 |
| Net interest margin | 3.7812% | 3,699 |
| Noninterest income to average assets | 0.7288% | 2,398 |
| Noninterest expense to average assets | 2.8581% | 4,237 |
| Loan and lease loss provision to assets | 0.4071% | 2,151 |
| Net operating income to assets | 0.4288% | 4,812 |
| Return on assets (ROA) | 0.4288% | 4,902 |
| Pretax return on assets | 0.6460% | 4,505 |
| Return on Equity (ROE) | 3.6600% | 5,065 |
| Retained earnings to average equity (ytd only) | 3.6600% | 3,979 |
| Net charge-offs to loans | 1.9908% | 640 |
| Credit loss provision to net charge-offs | 28.1162% | 4,147 |
| Earnings coverage of net charge-offs (x) | 0.7273% | 4,088 |
| Efficiency ratio | 73.0743% | 3,666 |
| Assets per employee ($millions) | 4.9087% | 2,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9282% | 976 |
| Loan loss allowance to noncurrent loans | 50.2115% | 5,001 |
| Noncurrent assets plus other real estate owned to assets | 11.3889% | 307 |
| Noncurrent loans to loans | 5.8317% | 1,106 |
| Net loans and leases to total assets | 68.1312% | 2,518 |
| Net loans and leases to deposits | 81.0808% | 2,511 |
| Net loans and leases to core deposits | 83.1980% | 3,280 |
| Total domestic deposits to total assets | 84.0288% | 4,480 |
| Equity capital to assets | 11.7838% | 2,055 |
| Core capital (leverage) ratio | 11.3202% | 1,944 |
| Tier 1 risk-based capital ratio | 14.0094% | 4,062 |
| Total risk-based capital ratio | 15.2757% | 4,036 |
| Memoranda: | ||
| Average total assets | $294,743,500 | 2,194 |
| Average earning assets | $248,067,000 | 2,369 |
| Average equity | $34,535,500 | 1,920 |
| Average total loans | $214,385,000 | 1,975 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6990% | 1,571 |
| Cost of funding earning assets | 1.6354% | 1,886 |
| Net interest margin | 4.0636% | 2,731 |
| Noninterest income to average assets | 0.9915% | 1,527 |
| Noninterest expense to average assets | 2.6012% | 5,408 |
| Loan and lease loss provision to assets | 1.8941% | 718 |
| Net operating income to assets | 0.0892% | 5,615 |
| Return on assets (ROA) | 0.0892% | 5,751 |
| Pretax return on assets | -0.0973% | 5,993 |
| Return on Equity (ROE) | 0.7865% | 5,756 |
| Retained earnings to average equity (ytd only) | 0.7865% | 5,162 |
| Net charge-offs to loans | 1.9373% | 1,060 |
| Credit loss provision to net charge-offs | 128.5176% | 3,116 |
| Earnings coverage of net charge-offs (x) | 1.2191% | 4,882 |
| Efficiency ratio | 59.1446% | 6,169 |
| Assets per employee ($millions) | 4.7575% | 2,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0713% | 821 |
| Loan loss allowance to noncurrent loans | 87.6494% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 9.5995% | 443 |
| Noncurrent loans to loans | 3.5041% | 2,161 |
| Net loans and leases to total assets | 72.9699% | 1,880 |
| Net loans and leases to deposits | 86.7079% | 1,978 |
| Net loans and leases to core deposits | 89.3025% | 2,857 |
| Total domestic deposits to total assets | 84.1560% | 4,295 |
| Equity capital to assets | 11.6506% | 2,160 |
| Core capital (leverage) ratio | 10.8285% | 2,290 |
| Tier 1 risk-based capital ratio | 13.1446% | 4,489 |
| Total risk-based capital ratio | 14.4132% | 4,434 |
| Memoranda: | ||
| Average total assets | $306,208,200 | 2,123 |
| Average earning assets | $256,695,200 | 2,283 |
| Average equity | $34,710,400 | 1,909 |
| Average total loans | $232,949,600 | 1,875 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7801% | 1,454 |
| Cost of funding earning assets | 1.7058% | 1,847 |
| Net interest margin | 4.0743% | 2,742 |
| Noninterest income to average assets | 0.7119% | 2,753 |
| Noninterest expense to average assets | 2.5486% | 5,528 |
| Loan and lease loss provision to assets | 0.8845% | 1,721 |
| Net operating income to assets | 0.4504% | 4,535 |
| Return on assets (ROA) | 0.4504% | 4,723 |
| Pretax return on assets | 0.6929% | 4,252 |
| Return on Equity (ROE) | 4.0003% | 4,778 |
| Retained earnings to average equity (ytd only) | 4.0003% | 3,663 |
| Net charge-offs to loans | 0.3592% | 3,866 |
| Credit loss provision to net charge-offs | 322.8346% | 981 |
| Earnings coverage of net charge-offs (x) | 5.7574% | 2,683 |
| Efficiency ratio | 61.7693% | 5,656 |
| Assets per employee ($millions) | 4.8509% | 2,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9547% | 856 |
| Loan loss allowance to noncurrent loans | 905.8670% | 408 |
| Noncurrent assets plus other real estate owned to assets | 7.3770% | 718 |
| Noncurrent loans to loans | 0.3262% | 6,541 |
| Net loans and leases to total assets | 75.8753% | 1,428 |
| Net loans and leases to deposits | 88.4483% | 1,947 |
| Net loans and leases to core deposits | 91.5051% | 2,873 |
| Total domestic deposits to total assets | 85.7849% | 3,196 |
| Equity capital to assets | 11.7184% | 2,345 |
| Core capital (leverage) ratio | 11.6494% | 1,844 |
| Tier 1 risk-based capital ratio | 12.9828% | 4,593 |
| Total risk-based capital ratio | 14.2489% | 4,554 |
| Memoranda: | ||
| Average total assets | $309,019,250 | 2,140 |
| Average earning assets | $258,952,250 | 2,297 |
| Average equity | $34,796,750 | 1,926 |
| Average total loans | $235,673,250 | 1,876 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8190% | 1,382 |
| Cost of funding earning assets | 1.7995% | 1,640 |
| Net interest margin | 4.0195% | 2,925 |
| Noninterest income to average assets | 0.7069% | 2,667 |
| Noninterest expense to average assets | 2.5127% | 5,671 |
| Loan and lease loss provision to assets | 0.6415% | 2,239 |
| Net operating income to assets | 0.5947% | 3,898 |
| Return on assets (ROA) | 0.5947% | 4,036 |
| Pretax return on assets | 0.9128% | 3,445 |
| Return on Equity (ROE) | 5.3510% | 4,109 |
| Retained earnings to average equity (ytd only) | 5.3510% | 2,697 |
| Net charge-offs to loans | 0.5283% | 2,952 |
| Credit loss provision to net charge-offs | 160.5136% | 2,452 |
| Earnings coverage of net charge-offs (x) | 3.8892% | 3,135 |
| Efficiency ratio | 61.7823% | 5,726 |
| Assets per employee ($millions) | 4.8968% | 2,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5390% | 1,253 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 7.3507% | 696 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 74.7215% | 1,758 |
| Net loans and leases to deposits | 86.9077% | 2,355 |
| Net loans and leases to core deposits | 89.9655% | 3,271 |
| Total domestic deposits to total assets | 85.9780% | 3,107 |
| Equity capital to assets | 11.5727% | 2,383 |
| Core capital (leverage) ratio | 11.2768% | 2,046 |
| Tier 1 risk-based capital ratio | 13.2561% | 4,246 |
| Total risk-based capital ratio | 14.5184% | 4,192 |
| Memoranda: | ||
| Average total assets | $311,773,000 | 2,140 |
| Average earning assets | $260,630,670 | 2,300 |
| Average equity | $34,647,670 | 1,929 |
| Average total loans | $235,848,000 | 1,901 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7634% | 1,582 |
| Cost of funding earning assets | 1.8426% | 1,685 |
| Net interest margin | 3.9207% | 3,238 |
| Noninterest income to average assets | 0.6471% | 2,955 |
| Noninterest expense to average assets | 2.5201% | 5,657 |
| Loan and lease loss provision to assets | 0.4432% | 2,748 |
| Net operating income to assets | 0.6167% | 3,827 |
| Return on assets (ROA) | 0.6167% | 3,964 |
| Pretax return on assets | 0.9523% | 3,256 |
| Return on Equity (ROE) | 5.6621% | 4,028 |
| Retained earnings to average equity (ytd only) | 5.6621% | 2,778 |
| Net charge-offs to loans | -0.1213% | 7,555 |
| Credit loss provision to net charge-offs | -486.1111% | 6,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3596% | 5,422 |
| Assets per employee ($millions) | 5.0911% | 2,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5566% | 1,229 |
| Loan loss allowance to noncurrent loans | 1,507.5949% | 233 |
| Noncurrent assets plus other real estate owned to assets | 7.4131% | 697 |
| Noncurrent loans to loans | 0.1696% | 6,998 |
| Net loans and leases to total assets | 71.9062% | 2,470 |
| Net loans and leases to deposits | 86.0533% | 2,579 |
| Net loans and leases to core deposits | 88.9422% | 3,503 |
| Total domestic deposits to total assets | 83.5601% | 4,359 |
| Equity capital to assets | 10.9724% | 2,789 |
| Core capital (leverage) ratio | 11.1594% | 2,126 |
| Tier 1 risk-based capital ratio | 12.9612% | 4,364 |
| Total risk-based capital ratio | 14.2233% | 4,330 |
| Memoranda: | ||
| Average total assets | $315,858,500 | 2,154 |
| Average earning assets | $263,319,000 | 2,330 |
| Average equity | $34,404,000 | 1,966 |
| Average total loans | $237,389,000 | 1,942 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8663% | 2,386 |
| Cost of funding earning assets | 2.2079% | 1,993 |
| Net interest margin | 3.6584% | 4,316 |
| Noninterest income to average assets | 0.7327% | 2,774 |
| Noninterest expense to average assets | 2.3394% | 6,636 |
| Loan and lease loss provision to assets | 4.4836% | 263 |
| Net operating income to assets | -1.7353% | 6,981 |
| Return on assets (ROA) | -1.7353% | 6,987 |
| Pretax return on assets | -2.8167% | 7,244 |
| Return on Equity (ROE) | -15.2079% | 6,948 |
| Retained earnings to average equity (ytd only) | -18.0127% | 7,034 |
| Net charge-offs to loans | 5.1195% | 243 |
| Credit loss provision to net charge-offs | 109.5495% | 5,030 |
| Earnings coverage of net charge-offs (x) | 0.4073% | 5,706 |
| Efficiency ratio | 58.3935% | 6,708 |
| Assets per employee ($millions) | 5.0170% | 2,196 |
| Cash dividends to net income (ytd only)* | -18.4430% | 7,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2877% | 1,501 |
| Loan loss allowance to noncurrent loans | 124.0861% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 9.1381% | 439 |
| Noncurrent loans to loans | 1.8437% | 3,870 |
| Net loans and leases to total assets | 74.7683% | 2,083 |
| Net loans and leases to deposits | 90.2933% | 2,176 |
| Net loans and leases to core deposits | 109.7396% | 2,921 |
| Total domestic deposits to total assets | 82.8061% | 4,611 |
| Equity capital to assets | 10.8121% | 2,857 |
| Core capital (leverage) ratio | 10.4454% | 2,653 |
| Tier 1 risk-based capital ratio | 11.9478% | 4,992 |
| Total risk-based capital ratio | 13.2061% | 4,935 |
| Memoranda: | ||
| Average total assets | $339,012,800 | 2,009 |
| Average earning assets | $303,358,600 | 2,047 |
| Average equity | $38,683,800 | 1,732 |
| Average total loans | $271,021,600 | 1,770 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8254% | 2,780 |
| Cost of funding earning assets | 2.2546% | 2,172 |
| Net interest margin | 3.5708% | 4,590 |
| Noninterest income to average assets | 0.7224% | 2,867 |
| Noninterest expense to average assets | 2.4179% | 6,356 |
| Loan and lease loss provision to assets | 2.4752% | 670 |
| Net operating income to assets | -0.5674% | 6,495 |
| Return on assets (ROA) | -0.5674% | 6,491 |
| Pretax return on assets | -0.9212% | 6,619 |
| Return on Equity (ROE) | -4.9131% | 6,441 |
| Retained earnings to average equity (ytd only) | -8.5468% | 6,662 |
| Net charge-offs to loans | 1.8329% | 1,100 |
| Credit loss provision to net charge-offs | 167.2765% | 2,802 |
| Earnings coverage of net charge-offs (x) | 1.0502% | 5,006 |
| Efficiency ratio | 60.8763% | 6,296 |
| Assets per employee ($millions) | 5.2479% | 1,842 |
| Cash dividends to net income (ytd only)* | -73.9605% | 7,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5115% | 1,049 |
| Loan loss allowance to noncurrent loans | 40.3186% | 5,649 |
| Noncurrent assets plus other real estate owned to assets | 7.4291% | 609 |
| Noncurrent loans to loans | 6.2292% | 942 |
| Net loans and leases to total assets | 79.6242% | 1,256 |
| Net loans and leases to deposits | 97.0028% | 1,442 |
| Net loans and leases to core deposits | 118.6606% | 2,363 |
| Total domestic deposits to total assets | 82.0845% | 4,644 |
| Equity capital to assets | 11.6712% | 2,453 |
| Core capital (leverage) ratio | 11.5866% | 2,020 |
| Tier 1 risk-based capital ratio | 13.0541% | 4,152 |
| Total risk-based capital ratio | 14.3172% | 4,079 |
| Memoranda: | ||
| Average total assets | $344,748,250 | 1,993 |
| Average earning assets | $313,722,000 | 2,008 |
| Average equity | $39,811,250 | 1,709 |
| Average total loans | $278,313,500 | 1,752 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8416% | 2,840 |
| Cost of funding earning assets | 2.3684% | 2,088 |
| Net interest margin | 3.4732% | 4,926 |
| Noninterest income to average assets | 0.6742% | 3,166 |
| Noninterest expense to average assets | 2.3991% | 6,460 |
| Loan and lease loss provision to assets | 3.1477% | 470 |
| Net operating income to assets | -1.0193% | 7,000 |
| Return on assets (ROA) | -1.0193% | 6,996 |
| Pretax return on assets | -1.7061% | 7,172 |
| Return on Equity (ROE) | -8.8564% | 6,957 |
| Retained earnings to average equity (ytd only) | -14.2519% | 7,198 |
| Net charge-offs to loans | 2.3168% | 769 |
| Credit loss provision to net charge-offs | 168.9189% | 2,725 |
| Earnings coverage of net charge-offs (x) | 0.7736% | 4,954 |
| Efficiency ratio | 62.4646% | 6,174 |
| Assets per employee ($millions) | 5.2852% | 1,780 |
| Cash dividends to net income (ytd only)* | -60.9208% | 8,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3453% | 1,050 |
| Loan loss allowance to noncurrent loans | 42.3248% | 5,533 |
| Noncurrent assets plus other real estate owned to assets | 6.9941% | 606 |
| Noncurrent loans to loans | 5.5413% | 1,045 |
| Net loans and leases to total assets | 79.4211% | 1,428 |
| Net loans and leases to deposits | 95.9628% | 1,804 |
| Net loans and leases to core deposits | 118.9436% | 2,460 |
| Total domestic deposits to total assets | 82.7624% | 4,352 |
| Equity capital to assets | 11.3131% | 2,670 |
| Core capital (leverage) ratio | 11.1799% | 2,273 |
| Tier 1 risk-based capital ratio | 12.4768% | 4,537 |
| Total risk-based capital ratio | 13.7374% | 4,454 |
| Memoranda: | ||
| Average total assets | $349,458,330 | 1,981 |
| Average earning assets | $318,611,000 | 1,997 |
| Average equity | $40,219,330 | 1,686 |
| Average total loans | $281,073,330 | 1,765 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0377% | 2,207 |
| Cost of funding earning assets | 2.5156% | 1,858 |
| Net interest margin | 3.5221% | 4,642 |
| Noninterest income to average assets | 0.6174% | 3,424 |
| Noninterest expense to average assets | 2.0673% | 7,196 |
| Loan and lease loss provision to assets | 1.3237% | 973 |
| Net operating income to assets | 0.3053% | 5,276 |
| Return on assets (ROA) | 0.3053% | 5,450 |
| Pretax return on assets | 0.4472% | 5,250 |
| Return on Equity (ROE) | 2.6314% | 5,515 |
| Retained earnings to average equity (ytd only) | 0.5923% | 5,418 |
| Net charge-offs to loans | -0.2267% | 8,029 |
| Credit loss provision to net charge-offs | -729.8137% | 6,474 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8597% | 7,234 |
| Assets per employee ($millions) | 5.5842% | 1,492 |
| Cash dividends to net income (ytd only)* | 77.4908% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9659% | 1,489 |
| Loan loss allowance to noncurrent loans | 771.0709% | 492 |
| Noncurrent assets plus other real estate owned to assets | 1.7302% | 3,321 |
| Noncurrent loans to loans | 0.2550% | 6,801 |
| Net loans and leases to total assets | 78.5866% | 1,671 |
| Net loans and leases to deposits | 99.3781% | 1,493 |
| Net loans and leases to core deposits | 123.5570% | 2,106 |
| Total domestic deposits to total assets | 79.0783% | 5,695 |
| Equity capital to assets | 11.7097% | 2,441 |
| Core capital (leverage) ratio | 11.6285% | 2,080 |
| Tier 1 risk-based capital ratio | 13.2516% | 4,025 |
| Total risk-based capital ratio | 14.5080% | 3,938 |
| Memoranda: | ||
| Average total assets | $355,060,000 | 1,955 |
| Average earning assets | $324,694,500 | 1,950 |
| Average equity | $41,195,500 | 1,649 |
| Average total loans | $284,061,000 | 1,747 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5391% | 2,766 |
| Cost of funding earning assets | 3.1521% | 1,345 |
| Net interest margin | 3.3870% | 5,712 |
| Noninterest income to average assets | 0.5897% | 3,919 |
| Noninterest expense to average assets | 1.9565% | 7,525 |
| Loan and lease loss provision to assets | 1.2710% | 1,126 |
| Net operating income to assets | 0.3350% | 5,420 |
| Return on assets (ROA) | 0.3350% | 5,240 |
| Pretax return on assets | 0.4961% | 4,982 |
| Return on Equity (ROE) | 3.0072% | 5,233 |
| Retained earnings to average equity (ytd only) | -0.1561% | 5,323 |
| Net charge-offs to loans | 1.8289% | 599 |
| Credit loss provision to net charge-offs | 85.3089% | 5,779 |
| Earnings coverage of net charge-offs (x) | 1.1861% | 5,532 |
| Efficiency ratio | 52.5438% | 7,428 |
| Assets per employee ($millions) | 5.3480% | 1,587 |
| Cash dividends to net income (ytd only)* | 105.1917% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4708% | 2,826 |
| Loan loss allowance to noncurrent loans | 2,432.3699% | 253 |
| Noncurrent assets plus other real estate owned to assets | 1.3628% | 3,475 |
| Noncurrent loans to loans | 0.0605% | 7,263 |
| Net loans and leases to total assets | 78.6734% | 1,964 |
| Net loans and leases to deposits | 97.7286% | 2,164 |
| Net loans and leases to core deposits | 121.8858% | 2,520 |
| Total domestic deposits to total assets | 80.5019% | 4,839 |
| Equity capital to assets | 11.4971% | 2,638 |
| Core capital (leverage) ratio | 11.7616% | 2,093 |
| Tier 1 risk-based capital ratio | 12.9314% | 4,149 |
| Total risk-based capital ratio | 14.1823% | 4,069 |
| Memoranda: | ||
| Average total assets | $373,733,600 | 1,802 |
| Average earning assets | $345,796,800 | 1,790 |
| Average equity | $41,633,000 | 1,609 |
| Average total loans | $304,444,200 | 1,589 |