Home > Rocky Mountain Bank > Performance and Condition Ratios
Rocky Mountain Bank, Performance and Condition Ratios
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7438% | 2,123 |
| Cost of funding earning assets | 1.1139% | 2,236 |
| Net interest margin | 3.6299% | 1,972 |
| Noninterest income to average assets | 0.5700% | 1,585 |
| Noninterest expense to average assets | 2.6912% | 1,661 |
| Loan and lease loss provision to assets | 0.5500% | 130 |
| Net operating income to assets | 0.5581% | 3,679 |
| Return on assets (ROA) | 0.5384% | 3,737 |
| Pretax return on assets | 0.6556% | 3,690 |
| Return on Equity (ROE) | 7.8800% | 3,268 |
| Retained earnings to average equity (ytd only) | 7.8753% | 2,005 |
| Net charge-offs to loans | 0.0071% | 1,975 |
| Credit loss provision to net charge-offs | 14,540.0000% | 41 |
| Earnings coverage of net charge-offs (x) | 289.0000% | 461 |
| Efficiency ratio | 68.6165% | 1,905 |
| Assets per employee ($millions) | 12.0194% | 374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7540% | 677 |
| Loan loss allowance to noncurrent loans | 170.8577% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 0.6138% | 873 |
| Noncurrent loans to loans | 1.0266% | 733 |
| Net loans and leases to total assets | 58.7400% | 2,893 |
| Net loans and leases to deposits | 64.5795% | 3,158 |
| Net loans and leases to core deposits | 74.0737% | 2,877 |
| Total domestic deposits to total assets | 90.9600% | 661 |
| Equity capital to assets | 7.0079% | 3,795 |
| Core capital (leverage) ratio | 9.2409% | 3,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8173% | 1,972 |
| Memoranda: | ||
| Average total assets | $704,365,333 | 1,292 |
| Average earning assets | $649,770,333 | 1,297 |
| Average equity | $48,150,667 | 1,647 |
| Average total loans | $424,323,000 | 1,392 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7059% | 1,837 |
| Cost of funding earning assets | 0.9318% | 2,266 |
| Net interest margin | 3.7740% | 1,740 |
| Noninterest income to average assets | 0.5500% | 1,626 |
| Noninterest expense to average assets | 2.6102% | 1,920 |
| Loan and lease loss provision to assets | 1.3400% | 56 |
| Net operating income to assets | 0.1107% | 4,425 |
| Return on assets (ROA) | 0.0734% | 4,422 |
| Pretax return on assets | 0.0322% | 4,438 |
| Return on Equity (ROE) | 1.0900% | 4,375 |
| Retained earnings to average equity (ytd only) | 1.0879% | 3,855 |
| Net charge-offs to loans | 0.0047% | 1,798 |
| Credit loss provision to net charge-offs | 47,680.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 500.0000% | 227 |
| Efficiency ratio | 64.8876% | 2,343 |
| Assets per employee ($millions) | 12.8632% | 316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7856% | 678 |
| Loan loss allowance to noncurrent loans | 172.7043% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 1.0014% | 407 |
| Noncurrent loans to loans | 1.0339% | 705 |
| Net loans and leases to total assets | 59.5700% | 2,705 |
| Net loans and leases to deposits | 65.3059% | 2,995 |
| Net loans and leases to core deposits | 72.8382% | 2,757 |
| Total domestic deposits to total assets | 91.2200% | 728 |
| Equity capital to assets | 7.0104% | 3,825 |
| Core capital (leverage) ratio | 8.8582% | 3,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4585% | 2,194 |
| Memoranda: | ||
| Average total assets | $707,986,500 | 1,303 |
| Average earning assets | $651,613,500 | 1,310 |
| Average equity | $47,799,000 | 1,667 |
| Average total loans | $428,075,500 | 1,392 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7558% | 2,392 |
| Cost of funding earning assets | 0.3527% | 2,455 |
| Net interest margin | 3.4031% | 2,248 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.4149% | 2,381 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 0.8014% | 3,319 |
| Return on assets (ROA) | 0.7736% | 3,354 |
| Pretax return on assets | 1.0271% | 2,995 |
| Return on Equity (ROE) | 11.0000% | 2,479 |
| Retained earnings to average equity (ytd only) | 9.0572% | 1,462 |
| Net charge-offs to loans | 0.0216% | 1,637 |
| Credit loss provision to net charge-offs | 854.4444% | 477 |
| Earnings coverage of net charge-offs (x) | 95.8333% | 990 |
| Efficiency ratio | 67.1779% | 2,065 |
| Assets per employee ($millions) | 13.3586% | 282 |
| Cash dividends to net income (ytd only)* | 17.6835% | 2,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1830% | 2,476 |
| Loan loss allowance to noncurrent loans | 107.1667% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 1.0258% | 419 |
| Noncurrent loans to loans | 1.1039% | 653 |
| Net loans and leases to total assets | 59.5700% | 2,683 |
| Net loans and leases to deposits | 66.4487% | 2,862 |
| Net loans and leases to core deposits | 73.6430% | 2,594 |
| Total domestic deposits to total assets | 89.6400% | 1,505 |
| Equity capital to assets | 6.5020% | 3,897 |
| Core capital (leverage) ratio | 8.4904% | 4,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8385% | 2,438 |
| Memoranda: | ||
| Average total assets | $731,011,200 | 1,271 |
| Average earning assets | $679,383,600 | 1,263 |
| Average equity | $51,395,800 | 1,581 |
| Average total loans | $416,889,000 | 1,344 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5044% | 2,598 |
| Cost of funding earning assets | 0.2353% | 2,866 |
| Net interest margin | 3.2691% | 2,392 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 2.4455% | 2,178 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 0.6743% | 3,636 |
| Return on assets (ROA) | 0.6374% | 3,683 |
| Pretax return on assets | 0.8624% | 3,444 |
| Return on Equity (ROE) | 8.9000% | 3,064 |
| Retained earnings to average equity (ytd only) | 6.3620% | 2,611 |
| Net charge-offs to loans | 0.0068% | 1,903 |
| Credit loss provision to net charge-offs | 3,238.0952% | 169 |
| Earnings coverage of net charge-offs (x) | 270.4286% | 511 |
| Efficiency ratio | 70.3152% | 1,724 |
| Assets per employee ($millions) | 13.9131% | 242 |
| Cash dividends to net income (ytd only)* | 28.5225% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1596% | 2,744 |
| Loan loss allowance to noncurrent loans | 108.0329% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 0.9907% | 449 |
| Noncurrent loans to loans | 1.0734% | 703 |
| Net loans and leases to total assets | 58.1300% | 2,681 |
| Net loans and leases to deposits | 62.9875% | 2,946 |
| Net loans and leases to core deposits | 69.9986% | 2,643 |
| Total domestic deposits to total assets | 92.2900% | 783 |
| Equity capital to assets | 5.9436% | 3,982 |
| Core capital (leverage) ratio | 8.1137% | 4,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1882% | 2,754 |
| Memoranda: | ||
| Average total assets | $733,423,500 | 1,278 |
| Average earning assets | $683,850,000 | 1,265 |
| Average equity | $52,519,000 | 1,580 |
| Average total loans | $412,405,000 | 1,349 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2953% | 2,754 |
| Cost of funding earning assets | 0.1426% | 3,670 |
| Net interest margin | 3.1527% | 2,353 |
| Noninterest income to average assets | 0.3252% | 3,221 |
| Noninterest expense to average assets | 2.4823% | 1,985 |
| Loan and lease loss provision to assets | 0.1111% | 903 |
| Net operating income to assets | 0.4958% | 3,904 |
| Return on assets (ROA) | 0.4644% | 3,928 |
| Pretax return on assets | 0.6466% | 3,724 |
| Return on Equity (ROE) | 6.1262% | 3,540 |
| Retained earnings to average equity (ytd only) | 2.4991% | 3,616 |
| Net charge-offs to loans | -0.0119% | 3,644 |
| Credit loss provision to net charge-offs | -1,558.3333% | 3,639 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6832% | 1,318 |
| Assets per employee ($millions) | 12.8883% | 299 |
| Cash dividends to net income (ytd only)* | 59.2066% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1218% | 3,071 |
| Loan loss allowance to noncurrent loans | 68.5702% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 0.9487% | 511 |
| Noncurrent loans to loans | 1.6360% | 438 |
| Net loans and leases to total assets | 57.3408% | 2,596 |
| Net loans and leases to deposits | 62.3613% | 2,863 |
| Net loans and leases to core deposits | 68.1979% | 2,637 |
| Total domestic deposits to total assets | 91.9493% | 851 |
| Equity capital to assets | 6.3737% | 4,070 |
| Core capital (leverage) ratio | 8.0594% | 4,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1639% | 2,764 |
| Memoranda: | ||
| Average total assets | $727,462,000 | 1,282 |
| Average earning assets | $681,759,667 | 1,278 |
| Average equity | $55,140,333 | 1,544 |
| Average total loans | $402,587,333 | 1,366 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1243% | 2,896 |
| Cost of funding earning assets | 0.0969% | 4,174 |
| Net interest margin | 3.0274% | 2,414 |
| Noninterest income to average assets | 0.3050% | 3,281 |
| Noninterest expense to average assets | 2.5463% | 1,766 |
| Loan and lease loss provision to assets | -0.0050% | 4,405 |
| Net operating income to assets | 0.4414% | 3,872 |
| Return on assets (ROA) | 0.4198% | 3,878 |
| Pretax return on assets | 0.5759% | 3,693 |
| Return on Equity (ROE) | 5.1148% | 3,593 |
| Retained earnings to average equity (ytd only) | 5.1148% | 2,551 |
| Net charge-offs to loans | 0.0072% | 1,485 |
| Credit loss provision to net charge-offs | -114.2857% | 2,904 |
| Earnings coverage of net charge-offs (x) | 153.2857% | 528 |
| Efficiency ratio | 80.9752% | 1,074 |
| Assets per employee ($millions) | 12.0156% | 395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1422% | 3,141 |
| Loan loss allowance to noncurrent loans | 49.8209% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 1.3451% | 293 |
| Noncurrent loans to loans | 2.2926% | 287 |
| Net loans and leases to total assets | 53.4243% | 2,827 |
| Net loans and leases to deposits | 59.3918% | 2,961 |
| Net loans and leases to core deposits | 60.5577% | 3,098 |
| Total domestic deposits to total assets | 89.9523% | 1,588 |
| Equity capital to assets | 7.5904% | 3,862 |
| Core capital (leverage) ratio | 8.3772% | 3,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9372% | 2,627 |
| Memoranda: | ||
| Average total assets | $717,432,000 | 1,298 |
| Average earning assets | $672,918,000 | 1,287 |
| Average equity | $58,888,000 | 1,509 |
| Average total loans | $387,132,000 | 1,406 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4110% | 2,903 |
| Cost of funding earning assets | 0.1396% | 4,070 |
| Net interest margin | 3.2714% | 2,406 |
| Noninterest income to average assets | 0.5489% | 2,368 |
| Noninterest expense to average assets | 2.4472% | 2,342 |
| Loan and lease loss provision to assets | -0.1831% | 4,675 |
| Net operating income to assets | 1.0306% | 2,556 |
| Return on assets (ROA) | 1.0750% | 2,463 |
| Pretax return on assets | 1.3878% | 2,090 |
| Return on Equity (ROE) | 12.0060% | 1,816 |
| Retained earnings to average equity (ytd only) | 6.8093% | 1,996 |
| Net charge-offs to loans | -0.2368% | 4,727 |
| Credit loss provision to net charge-offs | 183.1122% | 1,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0581% | 1,967 |
| Assets per employee ($millions) | 13.2209% | 293 |
| Cash dividends to net income (ytd only)* | 43.2840% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1610% | 3,078 |
| Loan loss allowance to noncurrent loans | 51.1452% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 1.2231% | 400 |
| Noncurrent loans to loans | 2.2701% | 316 |
| Net loans and leases to total assets | 53.2537% | 2,939 |
| Net loans and leases to deposits | 59.3351% | 3,139 |
| Net loans and leases to core deposits | 60.6297% | 3,275 |
| Total domestic deposits to total assets | 89.7507% | 1,083 |
| Equity capital to assets | 8.8320% | 3,777 |
| Core capital (leverage) ratio | 8.2700% | 4,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0743% | 2,604 |
| Memoranda: | ||
| Average total assets | $666,238,200 | 1,330 |
| Average earning assets | $620,493,200 | 1,338 |
| Average equity | $59,653,400 | 1,516 |
| Average total loans | $350,039,400 | 1,516 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4380% | 2,993 |
| Cost of funding earning assets | 0.1508% | 4,100 |
| Net interest margin | 3.2872% | 2,455 |
| Noninterest income to average assets | 0.5371% | 2,466 |
| Noninterest expense to average assets | 2.4271% | 2,351 |
| Loan and lease loss provision to assets | -0.0514% | 4,463 |
| Net operating income to assets | 0.9421% | 3,117 |
| Return on assets (ROA) | 0.9730% | 3,088 |
| Pretax return on assets | 1.2518% | 2,765 |
| Return on Equity (ROE) | 10.8268% | 2,427 |
| Retained earnings to average equity (ytd only) | 3.7979% | 3,640 |
| Net charge-offs to loans | -0.0348% | 4,200 |
| Credit loss provision to net charge-offs | 547.1910% | 732 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6377% | 1,881 |
| Assets per employee ($millions) | 12.6463% | 325 |
| Cash dividends to net income (ytd only)* | 64.9215% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2889% | 2,546 |
| Loan loss allowance to noncurrent loans | 52.7214% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 1.2299% | 475 |
| Noncurrent loans to loans | 2.4447% | 312 |
| Net loans and leases to total assets | 49.6600% | 3,446 |
| Net loans and leases to deposits | 60.4907% | 3,192 |
| Net loans and leases to core deposits | 61.8542% | 3,335 |
| Total domestic deposits to total assets | 82.0953% | 3,914 |
| Equity capital to assets | 8.0246% | 4,510 |
| Core capital (leverage) ratio | 8.1202% | 4,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0476% | 2,955 |
| Memoranda: | ||
| Average total assets | $654,315,250 | 1,367 |
| Average earning assets | $607,353,000 | 1,375 |
| Average equity | $58,803,250 | 1,557 |
| Average total loans | $341,384,250 | 1,578 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5073% | 2,872 |
| Cost of funding earning assets | 0.1677% | 4,062 |
| Net interest margin | 3.3396% | 2,331 |
| Noninterest income to average assets | 0.5704% | 2,336 |
| Noninterest expense to average assets | 2.4710% | 2,238 |
| Loan and lease loss provision to assets | -0.1972% | 4,752 |
| Net operating income to assets | 1.0951% | 2,572 |
| Return on assets (ROA) | 1.1384% | 2,469 |
| Pretax return on assets | 1.4600% | 2,138 |
| Return on Equity (ROE) | 12.1596% | 1,992 |
| Retained earnings to average equity (ytd only) | 5.0149% | 3,177 |
| Net charge-offs to loans | -0.0427% | 4,300 |
| Credit loss provision to net charge-offs | 940.8451% | 493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1630% | 1,989 |
| Assets per employee ($millions) | 11.5504% | 398 |
| Cash dividends to net income (ytd only)* | 58.7577% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3287% | 2,298 |
| Loan loss allowance to noncurrent loans | 50.9732% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 1.3821% | 447 |
| Noncurrent loans to loans | 2.6066% | 306 |
| Net loans and leases to total assets | 52.3203% | 3,312 |
| Net loans and leases to deposits | 59.4802% | 3,433 |
| Net loans and leases to core deposits | 61.0324% | 3,542 |
| Total domestic deposits to total assets | 87.9627% | 1,847 |
| Equity capital to assets | 9.2146% | 3,593 |
| Core capital (leverage) ratio | 8.4481% | 4,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7441% | 2,459 |
| Memoranda: | ||
| Average total assets | $627,926,000 | 1,413 |
| Average earning assets | $584,496,000 | 1,416 |
| Average equity | $58,784,667 | 1,551 |
| Average total loans | $332,177,667 | 1,618 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4553% | 3,055 |
| Cost of funding earning assets | 0.1824% | 4,061 |
| Net interest margin | 3.2730% | 2,473 |
| Noninterest income to average assets | 0.4734% | 2,732 |
| Noninterest expense to average assets | 2.4673% | 2,272 |
| Loan and lease loss provision to assets | -0.1623% | 4,786 |
| Net operating income to assets | 0.9381% | 3,014 |
| Return on assets (ROA) | 0.9391% | 3,091 |
| Pretax return on assets | 1.2107% | 2,820 |
| Return on Equity (ROE) | 9.9493% | 2,701 |
| Retained earnings to average equity (ytd only) | 9.9493% | 1,656 |
| Net charge-offs to loans | -0.0514% | 4,405 |
| Credit loss provision to net charge-offs | 490.4762% | 600 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2061% | 1,669 |
| Assets per employee ($millions) | 10.5220% | 512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5462% | 1,441 |
| Loan loss allowance to noncurrent loans | 53.9926% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 1.4887% | 429 |
| Noncurrent loans to loans | 2.8636% | 285 |
| Net loans and leases to total assets | 51.1835% | 3,526 |
| Net loans and leases to deposits | 57.7833% | 3,657 |
| Net loans and leases to core deposits | 59.5442% | 3,737 |
| Total domestic deposits to total assets | 88.5783% | 1,567 |
| Equity capital to assets | 9.3524% | 3,331 |
| Core capital (leverage) ratio | 8.7431% | 3,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8165% | 1,958 |
| Memoranda: | ||
| Average total assets | $618,478,500 | 1,415 |
| Average earning assets | $574,646,500 | 1,423 |
| Average equity | $58,376,000 | 1,553 |
| Average total loans | $326,778,500 | 1,642 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0162% | 2,679 |
| Cost of funding earning assets | 0.3163% | 4,051 |
| Net interest margin | 3.6999% | 1,802 |
| Noninterest income to average assets | 0.6073% | 2,193 |
| Noninterest expense to average assets | 2.6249% | 2,465 |
| Loan and lease loss provision to assets | 0.2848% | 1,337 |
| Net operating income to assets | 0.8860% | 2,757 |
| Return on assets (ROA) | 0.8930% | 2,865 |
| Pretax return on assets | 1.1379% | 2,559 |
| Return on Equity (ROE) | 9.6546% | 2,142 |
| Retained earnings to average equity (ytd only) | 5.0475% | 2,253 |
| Net charge-offs to loans | 0.1055% | 1,413 |
| Credit loss provision to net charge-offs | 483.9779% | 1,278 |
| Earnings coverage of net charge-offs (x) | 22.9144% | 1,830 |
| Efficiency ratio | 64.9926% | 2,681 |
| Assets per employee ($millions) | 10.8098% | 414 |
| Cash dividends to net income (ytd only)* | 47.7190% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5579% | 1,404 |
| Loan loss allowance to noncurrent loans | 53.1231% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 1.5746% | 447 |
| Noncurrent loans to loans | 2.9327% | 296 |
| Net loans and leases to total assets | 52.8544% | 3,588 |
| Net loans and leases to deposits | 60.5314% | 3,716 |
| Net loans and leases to core deposits | 62.6871% | 3,793 |
| Total domestic deposits to total assets | 87.3174% | 1,788 |
| Equity capital to assets | 9.5255% | 3,584 |
| Core capital (leverage) ratio | 8.4062% | 4,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4878% | 2,450 |
| Memoranda: | ||
| Average total assets | $586,692,800 | 1,353 |
| Average earning assets | $544,120,000 | 1,367 |
| Average equity | $54,264,400 | 1,575 |
| Average total loans | $343,016,800 | 1,526 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0981% | 2,674 |
| Cost of funding earning assets | 0.3517% | 4,048 |
| Net interest margin | 3.7465% | 1,776 |
| Noninterest income to average assets | 0.6094% | 2,137 |
| Noninterest expense to average assets | 2.7484% | 2,126 |
| Loan and lease loss provision to assets | 0.3589% | 1,042 |
| Net operating income to assets | 0.7643% | 3,230 |
| Return on assets (ROA) | 0.7731% | 3,313 |
| Pretax return on assets | 0.9876% | 3,115 |
| Return on Equity (ROE) | 8.4251% | 2,636 |
| Retained earnings to average equity (ytd only) | 2.1545% | 3,873 |
| Net charge-offs to loans | 0.1514% | 966 |
| Credit loss provision to net charge-offs | 417.0483% | 1,426 |
| Earnings coverage of net charge-offs (x) | 14.7634% | 2,132 |
| Efficiency ratio | 67.3016% | 2,282 |
| Assets per employee ($millions) | 10.6408% | 416 |
| Cash dividends to net income (ytd only)* | 74.4269% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4602% | 1,501 |
| Loan loss allowance to noncurrent loans | 52.1169% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 1.5576% | 537 |
| Noncurrent loans to loans | 2.8018% | 353 |
| Net loans and leases to total assets | 54.7813% | 3,733 |
| Net loans and leases to deposits | 63.3811% | 3,836 |
| Net loans and leases to core deposits | 65.7816% | 3,903 |
| Total domestic deposits to total assets | 86.4316% | 1,885 |
| Equity capital to assets | 9.0379% | 4,092 |
| Core capital (leverage) ratio | 8.3120% | 4,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5831% | 2,376 |
| Memoranda: | ||
| Average total assets | $579,326,750 | 1,350 |
| Average earning assets | $537,241,750 | 1,357 |
| Average equity | $53,157,500 | 1,588 |
| Average total loans | $346,066,000 | 1,513 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4356% | 2,108 |
| Cost of funding earning assets | 0.4100% | 3,999 |
| Net interest margin | 4.0256% | 1,264 |
| Noninterest income to average assets | 0.6441% | 1,958 |
| Noninterest expense to average assets | 2.8607% | 1,942 |
| Loan and lease loss provision to assets | 0.5075% | 695 |
| Net operating income to assets | 0.7825% | 3,099 |
| Return on assets (ROA) | 0.7602% | 3,294 |
| Pretax return on assets | 0.9797% | 3,085 |
| Return on Equity (ROE) | 8.2397% | 2,650 |
| Retained earnings to average equity (ytd only) | 2.5017% | 3,576 |
| Net charge-offs to loans | -0.0622% | 4,735 |
| Credit loss provision to net charge-offs | -1,407.4074% | 3,822 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3710% | 2,606 |
| Assets per employee ($millions) | 10.5494% | 435 |
| Cash dividends to net income (ytd only)* | 69.6379% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5198% | 1,209 |
| Loan loss allowance to noncurrent loans | 51.3720% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 1.7767% | 457 |
| Noncurrent loans to loans | 2.9585% | 331 |
| Net loans and leases to total assets | 59.1416% | 3,411 |
| Net loans and leases to deposits | 67.3155% | 3,616 |
| Net loans and leases to core deposits | 70.1983% | 3,689 |
| Total domestic deposits to total assets | 87.8572% | 1,254 |
| Equity capital to assets | 9.2287% | 3,898 |
| Core capital (leverage) ratio | 8.5560% | 4,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8305% | 2,249 |
| Memoranda: | ||
| Average total assets | $566,712,667 | 1,356 |
| Average earning assets | $525,387,333 | 1,360 |
| Average equity | $52,283,667 | 1,597 |
| Average total loans | $347,053,667 | 1,497 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6093% | 1,971 |
| Cost of funding earning assets | 0.5444% | 3,723 |
| Net interest margin | 4.0649% | 1,212 |
| Noninterest income to average assets | 0.6678% | 1,774 |
| Noninterest expense to average assets | 3.0677% | 1,724 |
| Loan and lease loss provision to assets | 1.0557% | 197 |
| Net operating income to assets | 0.2063% | 4,517 |
| Return on assets (ROA) | 0.1846% | 4,555 |
| Pretax return on assets | 0.2805% | 4,479 |
| Return on Equity (ROE) | 2.0013% | 4,443 |
| Retained earnings to average equity (ytd only) | -9.7253% | 4,755 |
| Net charge-offs to loans | 0.0256% | 1,854 |
| Credit loss provision to net charge-offs | 6,672.7273% | 115 |
| Earnings coverage of net charge-offs (x) | 85.9545% | 645 |
| Efficiency ratio | 69.2270% | 2,476 |
| Assets per employee ($millions) | 9.6041% | 427 |
| Cash dividends to net income (ytd only)* | 585.9375% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5236% | 1,265 |
| Loan loss allowance to noncurrent loans | 49.6948% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 1.8194% | 493 |
| Noncurrent loans to loans | 3.0659% | 342 |
| Net loans and leases to total assets | 58.4385% | 3,637 |
| Net loans and leases to deposits | 67.8294% | 3,738 |
| Net loans and leases to core deposits | 70.8079% | 3,826 |
| Total domestic deposits to total assets | 86.1552% | 1,940 |
| Equity capital to assets | 8.5158% | 4,825 |
| Core capital (leverage) ratio | 8.7222% | 4,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2137% | 2,612 |
| Memoranda: | ||
| Average total assets | $554,687,000 | 1,346 |
| Average earning assets | $513,572,500 | 1,345 |
| Average equity | $51,165,500 | 1,619 |
| Average total loans | $343,191,000 | 1,474 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8530% | 1,883 |
| Cost of funding earning assets | 0.5889% | 3,684 |
| Net interest margin | 4.2642% | 1,175 |
| Noninterest income to average assets | 0.6172% | 2,151 |
| Noninterest expense to average assets | 3.2182% | 1,479 |
| Loan and lease loss provision to assets | 0.3328% | 474 |
| Net operating income to assets | 0.7667% | 3,653 |
| Return on assets (ROA) | 0.7486% | 3,785 |
| Pretax return on assets | 0.9503% | 3,604 |
| Return on Equity (ROE) | 7.2556% | 3,464 |
| Retained earnings to average equity (ytd only) | 1.5410% | 4,187 |
| Net charge-offs to loans | 0.2004% | 1,018 |
| Credit loss provision to net charge-offs | 246.0756% | 1,104 |
| Earnings coverage of net charge-offs (x) | 9.6570% | 2,642 |
| Efficiency ratio | 71.1356% | 1,999 |
| Assets per employee ($millions) | 8.3301% | 631 |
| Cash dividends to net income (ytd only)* | 78.7608% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3219% | 1,827 |
| Loan loss allowance to noncurrent loans | 41.3871% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 2.4512% | 265 |
| Noncurrent loans to loans | 3.1940% | 274 |
| Net loans and leases to total assets | 63.7500% | 3,234 |
| Net loans and leases to deposits | 72.5729% | 3,469 |
| Net loans and leases to core deposits | 76.2360% | 3,561 |
| Total domestic deposits to total assets | 87.8427% | 1,200 |
| Equity capital to assets | 9.9899% | 3,929 |
| Core capital (leverage) ratio | 9.2166% | 4,352 |
| Tier 1 risk-based capital ratio | 12.6195% | 3,999 |
| Total risk-based capital ratio | 13.8050% | 3,924 |
| Memoranda: | ||
| Average total assets | $508,787,400 | 1,406 |
| Average earning assets | $466,161,800 | 1,423 |
| Average equity | $52,497,200 | 1,533 |
| Average total loans | $343,257,800 | 1,447 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9271% | 1,739 |
| Cost of funding earning assets | 0.5749% | 3,800 |
| Net interest margin | 4.3522% | 1,046 |
| Noninterest income to average assets | 0.7482% | 1,600 |
| Noninterest expense to average assets | 3.2504% | 1,375 |
| Loan and lease loss provision to assets | 0.4795% | 251 |
| Net operating income to assets | 0.7821% | 3,729 |
| Return on assets (ROA) | 0.7578% | 3,890 |
| Pretax return on assets | 0.9694% | 3,688 |
| Return on Equity (ROE) | 7.2825% | 3,588 |
| Retained earnings to average equity (ytd only) | -0.3645% | 4,797 |
| Net charge-offs to loans | 0.2375% | 749 |
| Credit loss provision to net charge-offs | 295.9083% | 959 |
| Earnings coverage of net charge-offs (x) | 9.1309% | 2,594 |
| Efficiency ratio | 68.7171% | 2,303 |
| Assets per employee ($millions) | 7.2342% | 937 |
| Cash dividends to net income (ytd only)* | 105.0052% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3524% | 1,756 |
| Loan loss allowance to noncurrent loans | 43.1128% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 2.0841% | 402 |
| Noncurrent loans to loans | 3.1368% | 299 |
| Net loans and leases to total assets | 65.5414% | 3,110 |
| Net loans and leases to deposits | 74.7842% | 3,409 |
| Net loans and leases to core deposits | 78.4212% | 3,521 |
| Total domestic deposits to total assets | 87.6406% | 1,196 |
| Equity capital to assets | 9.9564% | 4,062 |
| Core capital (leverage) ratio | 9.4449% | 4,223 |
| Tier 1 risk-based capital ratio | 12.3473% | 4,229 |
| Total risk-based capital ratio | 13.5804% | 4,120 |
| Memoranda: | ||
| Average total assets | $502,702,000 | 1,425 |
| Average earning assets | $459,922,000 | 1,441 |
| Average equity | $52,306,750 | 1,538 |
| Average total loans | $342,966,500 | 1,460 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9629% | 1,580 |
| Cost of funding earning assets | 0.5411% | 3,928 |
| Net interest margin | 4.4218% | 905 |
| Noninterest income to average assets | 0.8247% | 1,266 |
| Noninterest expense to average assets | 3.2915% | 1,300 |
| Loan and lease loss provision to assets | 0.4354% | 280 |
| Net operating income to assets | 0.9034% | 3,267 |
| Return on assets (ROA) | 0.8644% | 3,482 |
| Pretax return on assets | 1.0958% | 3,242 |
| Return on Equity (ROE) | 8.1814% | 3,215 |
| Retained earnings to average equity (ytd only) | 0.5209% | 4,563 |
| Net charge-offs to loans | 0.1093% | 1,315 |
| Credit loss provision to net charge-offs | 578.4946% | 543 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,749 |
| Efficiency ratio | 67.5581% | 2,604 |
| Assets per employee ($millions) | 6.5341% | 1,220 |
| Cash dividends to net income (ytd only)* | 93.6330% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2849% | 2,079 |
| Loan loss allowance to noncurrent loans | 39.5579% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 2.2299% | 373 |
| Noncurrent loans to loans | 3.2481% | 287 |
| Net loans and leases to total assets | 67.7701% | 2,853 |
| Net loans and leases to deposits | 77.7848% | 3,166 |
| Net loans and leases to core deposits | 81.5499% | 3,294 |
| Total domestic deposits to total assets | 87.1251% | 1,535 |
| Equity capital to assets | 10.4791% | 3,533 |
| Core capital (leverage) ratio | 9.7818% | 3,844 |
| Tier 1 risk-based capital ratio | 12.8102% | 3,940 |
| Total risk-based capital ratio | 13.9998% | 3,882 |
| Memoranda: | ||
| Average total assets | $494,238,000 | 1,447 |
| Average earning assets | $452,396,330 | 1,462 |
| Average equity | $52,216,000 | 1,533 |
| Average total loans | $340,333,670 | 1,475 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9413% | 1,499 |
| Cost of funding earning assets | 0.5074% | 4,028 |
| Net interest margin | 4.4339% | 838 |
| Noninterest income to average assets | 0.8379% | 1,194 |
| Noninterest expense to average assets | 3.2716% | 1,345 |
| Loan and lease loss provision to assets | 0.2058% | 771 |
| Net operating income to assets | 1.1166% | 2,404 |
| Return on assets (ROA) | 1.1082% | 2,484 |
| Pretax return on assets | 1.4030% | 2,071 |
| Return on Equity (ROE) | 10.4460% | 2,177 |
| Retained earnings to average equity (ytd only) | 2.7481% | 3,840 |
| Net charge-offs to loans | 0.0118% | 2,266 |
| Credit loss provision to net charge-offs | 2,520.0000% | 171 |
| Earnings coverage of net charge-offs (x) | 198.3000% | 393 |
| Efficiency ratio | 66.8893% | 2,812 |
| Assets per employee ($millions) | 6.4360% | 1,266 |
| Cash dividends to net income (ytd only)* | 73.6920% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1264% | 2,986 |
| Loan loss allowance to noncurrent loans | 106.1327% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 0.7301% | 1,922 |
| Noncurrent loans to loans | 1.0613% | 1,572 |
| Net loans and leases to total assets | 68.0168% | 2,753 |
| Net loans and leases to deposits | 78.0049% | 3,057 |
| Net loans and leases to core deposits | 81.8307% | 3,198 |
| Total domestic deposits to total assets | 87.1956% | 1,717 |
| Equity capital to assets | 10.7416% | 3,112 |
| Core capital (leverage) ratio | 9.8543% | 3,760 |
| Tier 1 risk-based capital ratio | 13.3952% | 3,669 |
| Total risk-based capital ratio | 14.4536% | 3,677 |
| Memoranda: | ||
| Average total assets | $489,794,000 | 1,466 |
| Average earning assets | $447,734,000 | 1,483 |
| Average equity | $51,962,500 | 1,529 |
| Average total loans | $337,797,000 | 1,489 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8279% | 1,476 |
| Cost of funding earning assets | 0.4185% | 3,876 |
| Net interest margin | 4.4094% | 915 |
| Noninterest income to average assets | 1.5913% | 377 |
| Noninterest expense to average assets | 4.0343% | 509 |
| Loan and lease loss provision to assets | 0.3533% | 430 |
| Net operating income to assets | 0.9705% | 3,136 |
| Return on assets (ROA) | 0.9717% | 3,129 |
| Pretax return on assets | 1.2647% | 2,634 |
| Return on Equity (ROE) | 9.3668% | 2,804 |
| Retained earnings to average equity (ytd only) | 1.5563% | 4,514 |
| Net charge-offs to loans | 0.3724% | 509 |
| Credit loss provision to net charge-offs | 138.6328% | 1,945 |
| Earnings coverage of net charge-offs (x) | 6.3442% | 3,096 |
| Efficiency ratio | 71.3922% | 1,984 |
| Assets per employee ($millions) | 6.2083% | 1,384 |
| Cash dividends to net income (ytd only)* | 83.3854% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0463% | 3,408 |
| Loan loss allowance to noncurrent loans | 108.7676% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 0.6651% | 2,062 |
| Noncurrent loans to loans | 0.9619% | 1,683 |
| Net loans and leases to total assets | 68.4188% | 2,819 |
| Net loans and leases to deposits | 79.0115% | 3,051 |
| Net loans and leases to core deposits | 83.2677% | 3,155 |
| Total domestic deposits to total assets | 86.5934% | 1,967 |
| Equity capital to assets | 10.4768% | 3,216 |
| Core capital (leverage) ratio | 9.8183% | 3,777 |
| Tier 1 risk-based capital ratio | 13.2864% | 3,667 |
| Total risk-based capital ratio | 14.2614% | 3,726 |
| Memoranda: | ||
| Average total assets | $493,694,800 | 1,426 |
| Average earning assets | $454,528,400 | 1,436 |
| Average equity | $51,212,600 | 1,481 |
| Average total loans | $337,803,600 | 1,449 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7884% | 1,456 |
| Cost of funding earning assets | 0.3985% | 3,870 |
| Net interest margin | 4.3899% | 917 |
| Noninterest income to average assets | 1.8599% | 308 |
| Noninterest expense to average assets | 4.2498% | 372 |
| Loan and lease loss provision to assets | 0.4333% | 283 |
| Net operating income to assets | 0.9603% | 3,267 |
| Return on assets (ROA) | 0.9617% | 3,269 |
| Pretax return on assets | 1.2268% | 2,892 |
| Return on Equity (ROE) | 9.2943% | 2,958 |
| Retained earnings to average equity (ytd only) | 2.7802% | 4,321 |
| Net charge-offs to loans | 0.4848% | 329 |
| Credit loss provision to net charge-offs | 130.9698% | 1,883 |
| Earnings coverage of net charge-offs (x) | 5.0122% | 2,998 |
| Efficiency ratio | 71.9332% | 1,888 |
| Assets per employee ($millions) | 4.6767% | 2,875 |
| Cash dividends to net income (ytd only)* | 70.0869% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0132% | 3,678 |
| Loan loss allowance to noncurrent loans | 108.0013% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 0.6429% | 2,262 |
| Noncurrent loans to loans | 0.9381% | 1,813 |
| Net loans and leases to total assets | 67.8380% | 2,972 |
| Net loans and leases to deposits | 78.3588% | 3,204 |
| Net loans and leases to core deposits | 81.8774% | 3,334 |
| Total domestic deposits to total assets | 86.5736% | 1,928 |
| Equity capital to assets | 10.3150% | 3,319 |
| Core capital (leverage) ratio | 9.5971% | 4,064 |
| Tier 1 risk-based capital ratio | 13.1820% | 3,793 |
| Total risk-based capital ratio | 14.1149% | 3,887 |
| Memoranda: | ||
| Average total assets | $494,505,250 | 1,427 |
| Average earning assets | $456,003,000 | 1,431 |
| Average equity | $51,169,750 | 1,478 |
| Average total loans | $337,477,000 | 1,452 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7101% | 1,480 |
| Cost of funding earning assets | 0.3662% | 3,970 |
| Net interest margin | 4.3439% | 951 |
| Noninterest income to average assets | 1.8211% | 312 |
| Noninterest expense to average assets | 4.2421% | 389 |
| Loan and lease loss provision to assets | 0.3740% | 335 |
| Net operating income to assets | 0.9518% | 3,225 |
| Return on assets (ROA) | 0.9541% | 3,221 |
| Pretax return on assets | 1.2220% | 2,865 |
| Return on Equity (ROE) | 9.2103% | 2,927 |
| Retained earnings to average equity (ytd only) | 3.3489% | 3,907 |
| Net charge-offs to loans | 0.0719% | 1,616 |
| Credit loss provision to net charge-offs | 763.6364% | 516 |
| Earnings coverage of net charge-offs (x) | 32.5289% | 1,435 |
| Efficiency ratio | 72.6970% | 1,885 |
| Assets per employee ($millions) | 4.8956% | 2,564 |
| Cash dividends to net income (ytd only)* | 63.6402% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1295% | 3,101 |
| Loan loss allowance to noncurrent loans | 113.1109% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 0.6776% | 2,207 |
| Noncurrent loans to loans | 0.9986% | 1,752 |
| Net loans and leases to total assets | 67.0968% | 2,998 |
| Net loans and leases to deposits | 76.3108% | 3,298 |
| Net loans and leases to core deposits | 81.6446% | 3,273 |
| Total domestic deposits to total assets | 87.9257% | 1,420 |
| Equity capital to assets | 10.1398% | 3,497 |
| Core capital (leverage) ratio | 9.7462% | 3,845 |
| Tier 1 risk-based capital ratio | 12.7913% | 4,011 |
| Total risk-based capital ratio | 13.8127% | 4,044 |
| Memoranda: | ||
| Average total assets | $494,098,670 | 1,430 |
| Average earning assets | $456,598,000 | 1,430 |
| Average equity | $51,181,670 | 1,485 |
| Average total loans | $336,725,330 | 1,453 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5268% | 1,788 |
| Cost of funding earning assets | 0.3199% | 4,197 |
| Net interest margin | 4.2069% | 1,164 |
| Noninterest income to average assets | 1.7496% | 325 |
| Noninterest expense to average assets | 4.2918% | 357 |
| Loan and lease loss provision to assets | 0.1530% | 1,183 |
| Net operating income to assets | 0.9373% | 3,122 |
| Return on assets (ROA) | 0.9586% | 3,055 |
| Pretax return on assets | 1.2367% | 2,613 |
| Return on Equity (ROE) | 9.1548% | 2,827 |
| Retained earnings to average equity (ytd only) | 5.2492% | 3,060 |
| Net charge-offs to loans | 0.0575% | 1,530 |
| Credit loss provision to net charge-offs | 389.5833% | 704 |
| Earnings coverage of net charge-offs (x) | 34.7083% | 1,151 |
| Efficiency ratio | 75.9005% | 1,604 |
| Assets per employee ($millions) | 4.7204% | 2,831 |
| Cash dividends to net income (ytd only)* | 42.6621% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9638% | 4,146 |
| Loan loss allowance to noncurrent loans | 89.2389% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 0.7307% | 2,124 |
| Noncurrent loans to loans | 1.0800% | 1,700 |
| Net loans and leases to total assets | 67.0013% | 2,892 |
| Net loans and leases to deposits | 76.6716% | 3,146 |
| Net loans and leases to core deposits | 80.2374% | 3,305 |
| Total domestic deposits to total assets | 87.3875% | 1,959 |
| Equity capital to assets | 10.4794% | 3,097 |
| Core capital (leverage) ratio | 10.0220% | 3,507 |
| Tier 1 risk-based capital ratio | 13.1135% | 3,891 |
| Total risk-based capital ratio | 13.9837% | 3,988 |
| Memoranda: | ||
| Average total assets | $489,026,500 | 1,449 |
| Average earning assets | $453,922,000 | 1,449 |
| Average equity | $51,208,000 | 1,498 |
| Average total loans | $333,990,000 | 1,470 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6620% | 1,279 |
| Cost of funding earning assets | 0.2953% | 4,185 |
| Net interest margin | 4.3667% | 825 |
| Noninterest income to average assets | 2.3736% | 233 |
| Noninterest expense to average assets | 4.3655% | 351 |
| Loan and lease loss provision to assets | -0.0586% | 5,413 |
| Net operating income to assets | 1.3595% | 1,097 |
| Return on assets (ROA) | 1.3820% | 1,075 |
| Pretax return on assets | 2.1376% | 360 |
| Return on Equity (ROE) | 13.2803% | 888 |
| Retained earnings to average equity (ytd only) | 2.5012% | 3,830 |
| Net charge-offs to loans | 0.0400% | 2,993 |
| Credit loss provision to net charge-offs | -207.3529% | 4,804 |
| Earnings coverage of net charge-offs (x) | 72.3603% | 829 |
| Efficiency ratio | 68.1067% | 2,876 |
| Assets per employee ($millions) | 4.7295% | 2,825 |
| Cash dividends to net income (ytd only)* | 81.1664% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9117% | 4,409 |
| Loan loss allowance to noncurrent loans | 70.8960% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 0.8866% | 1,753 |
| Noncurrent loans to loans | 1.2860% | 1,371 |
| Net loans and leases to total assets | 68.3169% | 2,775 |
| Net loans and leases to deposits | 78.3998% | 3,076 |
| Net loans and leases to core deposits | 82.6040% | 3,189 |
| Total domestic deposits to total assets | 87.1391% | 1,926 |
| Equity capital to assets | 10.4634% | 3,201 |
| Core capital (leverage) ratio | 9.8179% | 3,677 |
| Tier 1 risk-based capital ratio | 12.9418% | 3,938 |
| Total risk-based capital ratio | 13.7752% | 4,089 |
| Memoranda: | ||
| Average total assets | $481,387,800 | 1,449 |
| Average earning assets | $444,961,600 | 1,451 |
| Average equity | $50,096,800 | 1,517 |
| Average total loans | $340,139,200 | 1,409 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6674% | 1,208 |
| Cost of funding earning assets | 0.2878% | 4,245 |
| Net interest margin | 4.3796% | 761 |
| Noninterest income to average assets | 2.4391% | 232 |
| Noninterest expense to average assets | 4.4784% | 320 |
| Loan and lease loss provision to assets | -0.0011% | 5,434 |
| Net operating income to assets | 1.3284% | 1,253 |
| Return on assets (ROA) | 1.3568% | 1,209 |
| Pretax return on assets | 2.0502% | 493 |
| Return on Equity (ROE) | 13.0555% | 1,046 |
| Retained earnings to average equity (ytd only) | 2.3630% | 4,468 |
| Net charge-offs to loans | 0.0680% | 2,148 |
| Credit loss provision to net charge-offs | -2.2989% | 4,364 |
| Earnings coverage of net charge-offs (x) | 41.5008% | 1,264 |
| Efficiency ratio | 69.0643% | 2,700 |
| Assets per employee ($millions) | 4.5494% | 3,052 |
| Cash dividends to net income (ytd only)* | 81.9000% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9709% | 4,233 |
| Loan loss allowance to noncurrent loans | 80.3406% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 0.8462% | 2,033 |
| Noncurrent loans to loans | 1.2085% | 1,577 |
| Net loans and leases to total assets | 69.1867% | 2,671 |
| Net loans and leases to deposits | 78.9845% | 3,070 |
| Net loans and leases to core deposits | 83.3692% | 3,185 |
| Total domestic deposits to total assets | 87.5953% | 1,582 |
| Equity capital to assets | 10.3277% | 3,564 |
| Core capital (leverage) ratio | 10.0044% | 3,559 |
| Tier 1 risk-based capital ratio | 13.0552% | 3,972 |
| Total risk-based capital ratio | 13.9601% | 4,094 |
| Memoranda: | ||
| Average total assets | $479,950,750 | 1,466 |
| Average earning assets | $443,318,750 | 1,466 |
| Average equity | $49,878,250 | 1,534 |
| Average total loans | $341,209,500 | 1,413 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6684% | 1,122 |
| Cost of funding earning assets | 0.2786% | 4,304 |
| Net interest margin | 4.3898% | 716 |
| Noninterest income to average assets | 2.4825% | 231 |
| Noninterest expense to average assets | 4.5332% | 307 |
| Loan and lease loss provision to assets | -0.0008% | 5,514 |
| Net operating income to assets | 1.3236% | 1,239 |
| Return on assets (ROA) | 1.3620% | 1,178 |
| Pretax return on assets | 2.0583% | 486 |
| Return on Equity (ROE) | 13.0784% | 1,018 |
| Retained earnings to average equity (ytd only) | 5.0376% | 2,686 |
| Net charge-offs to loans | 0.0533% | 2,161 |
| Credit loss provision to net charge-offs | -2.1978% | 4,201 |
| Earnings coverage of net charge-offs (x) | 52.4725% | 1,041 |
| Efficiency ratio | 69.3949% | 2,787 |
| Assets per employee ($millions) | 4.3348% | 3,371 |
| Cash dividends to net income (ytd only)* | 61.4817% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0048% | 4,118 |
| Loan loss allowance to noncurrent loans | 113.2019% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 0.6294% | 2,674 |
| Noncurrent loans to loans | 0.8876% | 2,200 |
| Net loans and leases to total assets | 69.9838% | 2,527 |
| Net loans and leases to deposits | 80.1331% | 2,894 |
| Net loans and leases to core deposits | 84.3543% | 3,031 |
| Total domestic deposits to total assets | 87.3345% | 1,787 |
| Equity capital to assets | 10.5914% | 3,238 |
| Core capital (leverage) ratio | 10.1025% | 3,402 |
| Tier 1 risk-based capital ratio | 13.3968% | 3,750 |
| Total risk-based capital ratio | 14.3423% | 3,857 |
| Memoranda: | ||
| Average total assets | $477,671,000 | 1,474 |
| Average earning assets | $440,706,330 | 1,483 |
| Average equity | $49,746,330 | 1,542 |
| Average total loans | $341,580,670 | 1,411 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5936% | 1,159 |
| Cost of funding earning assets | 0.2720% | 4,334 |
| Net interest margin | 4.3216% | 744 |
| Noninterest income to average assets | 2.1895% | 279 |
| Noninterest expense to average assets | 4.3515% | 369 |
| Loan and lease loss provision to assets | -0.0711% | 5,734 |
| Net operating income to assets | 1.2681% | 1,326 |
| Return on assets (ROA) | 1.2726% | 1,348 |
| Pretax return on assets | 1.9042% | 624 |
| Return on Equity (ROE) | 12.3238% | 1,154 |
| Retained earnings to average equity (ytd only) | 4.2214% | 3,338 |
| Net charge-offs to loans | 0.1652% | 984 |
| Credit loss provision to net charge-offs | -59.8592% | 3,886 |
| Earnings coverage of net charge-offs (x) | 15.3732% | 1,679 |
| Efficiency ratio | 70.4361% | 2,829 |
| Assets per employee ($millions) | 4.2779% | 3,531 |
| Cash dividends to net income (ytd only)* | 65.7462% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9610% | 4,487 |
| Loan loss allowance to noncurrent loans | 133.5386% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 0.5109% | 3,180 |
| Noncurrent loans to loans | 0.7196% | 2,695 |
| Net loans and leases to total assets | 69.9736% | 2,384 |
| Net loans and leases to deposits | 79.8106% | 2,774 |
| Net loans and leases to core deposits | 83.9005% | 2,907 |
| Total domestic deposits to total assets | 87.6745% | 1,905 |
| Equity capital to assets | 10.3464% | 3,353 |
| Core capital (leverage) ratio | 9.9207% | 3,603 |
| Tier 1 risk-based capital ratio | 12.9132% | 4,136 |
| Total risk-based capital ratio | 13.8033% | 4,259 |
| Memoranda: | ||
| Average total assets | $478,092,000 | 1,478 |
| Average earning assets | $441,224,000 | 1,482 |
| Average equity | $49,368,000 | 1,550 |
| Average total loans | $343,826,000 | 1,418 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6172% | 1,239 |
| Cost of funding earning assets | 0.2830% | 4,233 |
| Net interest margin | 4.3342% | 878 |
| Noninterest income to average assets | 2.5588% | 246 |
| Noninterest expense to average assets | 4.8370% | 286 |
| Loan and lease loss provision to assets | 0.0912% | 2,534 |
| Net operating income to assets | 1.0818% | 1,976 |
| Return on assets (ROA) | 1.0891% | 2,044 |
| Pretax return on assets | 1.6354% | 1,180 |
| Return on Equity (ROE) | 10.6087% | 1,732 |
| Retained earnings to average equity (ytd only) | 2.4996% | 4,091 |
| Net charge-offs to loans | 0.0669% | 2,737 |
| Credit loss provision to net charge-offs | 180.2469% | 1,552 |
| Earnings coverage of net charge-offs (x) | 33.9259% | 1,328 |
| Efficiency ratio | 73.8169% | 2,311 |
| Assets per employee ($millions) | 4.2979% | 3,437 |
| Cash dividends to net income (ytd only)* | 76.4380% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9967% | 4,350 |
| Loan loss allowance to noncurrent loans | 109.7100% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 0.6674% | 2,709 |
| Noncurrent loans to loans | 0.9085% | 2,279 |
| Net loans and leases to total assets | 72.4560% | 2,102 |
| Net loans and leases to deposits | 83.4237% | 2,485 |
| Net loans and leases to core deposits | 87.2742% | 2,751 |
| Total domestic deposits to total assets | 86.8531% | 2,220 |
| Equity capital to assets | 10.3056% | 3,379 |
| Core capital (leverage) ratio | 9.7916% | 3,759 |
| Tier 1 risk-based capital ratio | 12.7715% | 4,219 |
| Total risk-based capital ratio | 13.7248% | 4,280 |
| Memoranda: | ||
| Average total assets | $480,504,800 | 1,431 |
| Average earning assets | $442,778,200 | 1,437 |
| Average equity | $49,327,400 | 1,539 |
| Average total loans | $363,232,200 | 1,295 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6204% | 1,253 |
| Cost of funding earning assets | 0.2850% | 4,254 |
| Net interest margin | 4.3354% | 870 |
| Noninterest income to average assets | 2.6200% | 243 |
| Noninterest expense to average assets | 4.9084% | 284 |
| Loan and lease loss provision to assets | 0.0662% | 2,901 |
| Net operating income to assets | 1.0962% | 2,013 |
| Return on assets (ROA) | 1.1090% | 2,061 |
| Pretax return on assets | 1.6594% | 1,223 |
| Return on Equity (ROE) | 10.8137% | 1,743 |
| Retained earnings to average equity (ytd only) | 1.3612% | 4,965 |
| Net charge-offs to loans | 0.0745% | 2,253 |
| Credit loss provision to net charge-offs | 116.5854% | 2,142 |
| Earnings coverage of net charge-offs (x) | 30.0533% | 1,486 |
| Efficiency ratio | 74.2023% | 2,250 |
| Assets per employee ($millions) | 4.1856% | 3,621 |
| Cash dividends to net income (ytd only)* | 87.4126% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9209% | 4,802 |
| Loan loss allowance to noncurrent loans | 116.2522% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 0.6515% | 2,947 |
| Noncurrent loans to loans | 0.7922% | 2,693 |
| Net loans and leases to total assets | 74.1816% | 1,842 |
| Net loans and leases to deposits | 84.8990% | 2,382 |
| Net loans and leases to core deposits | 88.8475% | 2,679 |
| Total domestic deposits to total assets | 87.3762% | 1,724 |
| Equity capital to assets | 10.2936% | 3,814 |
| Core capital (leverage) ratio | 9.7639% | 3,856 |
| Tier 1 risk-based capital ratio | 12.0240% | 4,777 |
| Total risk-based capital ratio | 12.8942% | 4,918 |
| Memoranda: | ||
| Average total assets | $481,365,250 | 1,431 |
| Average earning assets | $443,559,750 | 1,440 |
| Average equity | $49,368,250 | 1,541 |
| Average total loans | $366,755,000 | 1,280 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6436% | 1,181 |
| Cost of funding earning assets | 0.2924% | 4,218 |
| Net interest margin | 4.3512% | 849 |
| Noninterest income to average assets | 2.4663% | 257 |
| Noninterest expense to average assets | 4.7705% | 307 |
| Loan and lease loss provision to assets | 0.1147% | 1,970 |
| Net operating income to assets | 1.0402% | 2,221 |
| Return on assets (ROA) | 1.0591% | 2,257 |
| Pretax return on assets | 1.6170% | 1,316 |
| Return on Equity (ROE) | 10.3390% | 1,904 |
| Retained earnings to average equity (ytd only) | 2.2268% | 4,459 |
| Net charge-offs to loans | 0.0922% | 1,917 |
| Credit loss provision to net charge-offs | 162.3529% | 1,516 |
| Earnings coverage of net charge-offs (x) | 24.1059% | 1,563 |
| Efficiency ratio | 73.6970% | 2,405 |
| Assets per employee ($millions) | 3.8818% | 4,116 |
| Cash dividends to net income (ytd only)* | 78.4621% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9247% | 4,873 |
| Loan loss allowance to noncurrent loans | 114.6770% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 0.6974% | 2,887 |
| Noncurrent loans to loans | 0.8064% | 2,735 |
| Net loans and leases to total assets | 76.7160% | 1,380 |
| Net loans and leases to deposits | 89.5109% | 1,812 |
| Net loans and leases to core deposits | 94.8719% | 2,075 |
| Total domestic deposits to total assets | 85.7058% | 2,555 |
| Equity capital to assets | 10.4807% | 3,657 |
| Core capital (leverage) ratio | 9.6929% | 3,935 |
| Tier 1 risk-based capital ratio | 12.0068% | 4,824 |
| Total risk-based capital ratio | 12.8949% | 4,964 |
| Memoranda: | ||
| Average total assets | $481,371,670 | 1,436 |
| Average earning assets | $443,275,000 | 1,444 |
| Average equity | $49,308,330 | 1,544 |
| Average total loans | $368,877,000 | 1,270 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6168% | 1,219 |
| Cost of funding earning assets | 0.2945% | 4,218 |
| Net interest margin | 4.3223% | 891 |
| Noninterest income to average assets | 2.0772% | 325 |
| Noninterest expense to average assets | 4.5534% | 374 |
| Loan and lease loss provision to assets | 0.1624% | 1,276 |
| Net operating income to assets | 0.8874% | 2,820 |
| Return on assets (ROA) | 0.8770% | 2,980 |
| Pretax return on assets | 1.3255% | 2,199 |
| Return on Equity (ROE) | 8.6601% | 2,575 |
| Retained earnings to average equity (ytd only) | 4.5905% | 3,181 |
| Net charge-offs to loans | 0.1406% | 1,270 |
| Credit loss provision to net charge-offs | 151.5385% | 1,265 |
| Earnings coverage of net charge-offs (x) | 14.0308% | 1,716 |
| Efficiency ratio | 75.1769% | 2,301 |
| Assets per employee ($millions) | 3.9263% | 4,077 |
| Cash dividends to net income (ytd only)* | 46.9925% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9109% | 5,024 |
| Loan loss allowance to noncurrent loans | 132.4901% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 0.6004% | 3,260 |
| Noncurrent loans to loans | 0.6875% | 3,128 |
| Net loans and leases to total assets | 76.1214% | 1,376 |
| Net loans and leases to deposits | 88.9801% | 1,705 |
| Net loans and leases to core deposits | 94.3955% | 1,951 |
| Total domestic deposits to total assets | 85.5487% | 2,887 |
| Equity capital to assets | 10.3599% | 3,671 |
| Core capital (leverage) ratio | 9.5723% | 4,072 |
| Tier 1 risk-based capital ratio | 11.7784% | 5,060 |
| Total risk-based capital ratio | 12.6401% | 5,193 |
| Memoranda: | ||
| Average total assets | $485,266,000 | 1,428 |
| Average earning assets | $446,803,000 | 1,433 |
| Average equity | $49,145,000 | 1,544 |
| Average total loans | $369,963,000 | 1,269 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5463% | 1,467 |
| Cost of funding earning assets | 0.3176% | 4,065 |
| Net interest margin | 4.2287% | 1,106 |
| Noninterest income to average assets | 2.2569% | 301 |
| Noninterest expense to average assets | 4.5437% | 400 |
| Loan and lease loss provision to assets | 0.0253% | 3,880 |
| Net operating income to assets | 1.0555% | 2,106 |
| Return on assets (ROA) | 1.0887% | 2,038 |
| Pretax return on assets | 1.6354% | 1,148 |
| Return on Equity (ROE) | 10.6258% | 1,744 |
| Retained earnings to average equity (ytd only) | 0.1575% | 5,443 |
| Net charge-offs to loans | 0.0780% | 2,706 |
| Credit loss provision to net charge-offs | 43.0556% | 3,496 |
| Earnings coverage of net charge-offs (x) | 27.3819% | 1,546 |
| Efficiency ratio | 73.8233% | 2,609 |
| Assets per employee ($millions) | 3.9961% | 3,944 |
| Cash dividends to net income (ytd only)* | 98.5175% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8832% | 5,143 |
| Loan loss allowance to noncurrent loans | 129.4836% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 0.5664% | 3,390 |
| Noncurrent loans to loans | 0.6821% | 3,159 |
| Net loans and leases to total assets | 75.0038% | 1,571 |
| Net loans and leases to deposits | 88.3175% | 1,836 |
| Net loans and leases to core deposits | 94.6398% | 1,979 |
| Total domestic deposits to total assets | 84.9252% | 3,127 |
| Equity capital to assets | 9.9009% | 4,072 |
| Core capital (leverage) ratio | 9.2410% | 4,558 |
| Tier 1 risk-based capital ratio | 11.3175% | 5,369 |
| Total risk-based capital ratio | 12.1398% | 5,492 |
| Memoranda: | ||
| Average total assets | $489,469,200 | 1,376 |
| Average earning assets | $451,176,400 | 1,373 |
| Average equity | $50,151,400 | 1,486 |
| Average total loans | $369,400,600 | 1,233 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5064% | 1,573 |
| Cost of funding earning assets | 0.3280% | 4,015 |
| Net interest margin | 4.1784% | 1,218 |
| Noninterest income to average assets | 2.2060% | 310 |
| Noninterest expense to average assets | 4.4813% | 412 |
| Loan and lease loss provision to assets | 0.1053% | 2,107 |
| Net operating income to assets | 0.9983% | 2,477 |
| Return on assets (ROA) | 1.0427% | 2,349 |
| Pretax return on assets | 1.5450% | 1,558 |
| Return on Equity (ROE) | 10.0915% | 2,071 |
| Retained earnings to average equity (ytd only) | 6.7928% | 1,792 |
| Net charge-offs to loans | 0.0893% | 2,274 |
| Credit loss provision to net charge-offs | 156.2753% | 1,628 |
| Earnings coverage of net charge-offs (x) | 23.5179% | 1,731 |
| Efficiency ratio | 73.8839% | 2,574 |
| Assets per employee ($millions) | 3.9769% | 3,918 |
| Cash dividends to net income (ytd only)* | 32.6884% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9259% | 5,091 |
| Loan loss allowance to noncurrent loans | 156.8868% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 0.5540% | 3,645 |
| Noncurrent loans to loans | 0.5902% | 3,560 |
| Net loans and leases to total assets | 76.6189% | 1,303 |
| Net loans and leases to deposits | 89.6545% | 1,694 |
| Net loans and leases to core deposits | 98.6454% | 1,640 |
| Total domestic deposits to total assets | 85.4602% | 2,800 |
| Equity capital to assets | 10.2760% | 3,846 |
| Core capital (leverage) ratio | 9.5235% | 4,271 |
| Tier 1 risk-based capital ratio | 11.4127% | 5,419 |
| Total risk-based capital ratio | 12.2860% | 5,541 |
| Memoranda: | ||
| Average total assets | $488,956,000 | 1,382 |
| Average earning assets | $451,610,750 | 1,379 |
| Average equity | $50,523,000 | 1,476 |
| Average total loans | $368,764,500 | 1,240 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4780% | 1,604 |
| Cost of funding earning assets | 0.3516% | 3,789 |
| Net interest margin | 4.1265% | 1,287 |
| Noninterest income to average assets | 2.1142% | 343 |
| Noninterest expense to average assets | 4.4709% | 435 |
| Loan and lease loss provision to assets | 0.0532% | 3,056 |
| Net operating income to assets | 0.9496% | 2,634 |
| Return on assets (ROA) | 0.9701% | 2,646 |
| Pretax return on assets | 1.4254% | 1,883 |
| Return on Equity (ROE) | 9.3705% | 2,352 |
| Retained earnings to average equity (ytd only) | 6.3825% | 2,014 |
| Net charge-offs to loans | 0.1274% | 1,736 |
| Credit loss provision to net charge-offs | 55.8442% | 2,640 |
| Earnings coverage of net charge-offs (x) | 15.2035% | 1,989 |
| Efficiency ratio | 75.5295% | 2,448 |
| Assets per employee ($millions) | 3.8799% | 4,111 |
| Cash dividends to net income (ytd only)* | 31.8878% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8844% | 5,356 |
| Loan loss allowance to noncurrent loans | 231.9473% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.4271% | 4,209 |
| Noncurrent loans to loans | 0.3813% | 4,341 |
| Net loans and leases to total assets | 73.8044% | 1,693 |
| Net loans and leases to deposits | 89.8175% | 1,618 |
| Net loans and leases to core deposits | 98.0542% | 1,649 |
| Total domestic deposits to total assets | 82.1716% | 4,241 |
| Equity capital to assets | 9.9819% | 4,060 |
| Core capital (leverage) ratio | 9.4527% | 4,336 |
| Tier 1 risk-based capital ratio | 11.1156% | 5,655 |
| Total risk-based capital ratio | 11.9252% | 5,790 |
| Memoranda: | ||
| Average total assets | $484,910,670 | 1,405 |
| Average earning assets | $447,160,000 | 1,403 |
| Average equity | $50,200,000 | 1,490 |
| Average total loans | $362,513,000 | 1,263 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5135% | 1,421 |
| Cost of funding earning assets | 0.3904% | 3,408 |
| Net interest margin | 4.1231% | 1,221 |
| Noninterest income to average assets | 1.8393% | 401 |
| Noninterest expense to average assets | 4.4798% | 432 |
| Loan and lease loss provision to assets | -0.2578% | 6,292 |
| Net operating income to assets | 0.9662% | 2,416 |
| Return on assets (ROA) | 0.9771% | 2,487 |
| Pretax return on assets | 1.4276% | 1,786 |
| Return on Equity (ROE) | 9.2604% | 2,333 |
| Retained earnings to average equity (ytd only) | 9.2604% | 1,114 |
| Net charge-offs to loans | -0.0124% | 4,817 |
| Credit loss provision to net charge-offs | 2,772.7273% | 144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5199% | 1,958 |
| Assets per employee ($millions) | 3.4374% | 5,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9003% | 5,444 |
| Loan loss allowance to noncurrent loans | 149.4552% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.5720% | 3,768 |
| Noncurrent loans to loans | 0.6024% | 3,770 |
| Net loans and leases to total assets | 72.6835% | 1,703 |
| Net loans and leases to deposits | 85.1267% | 1,939 |
| Net loans and leases to core deposits | 91.4612% | 1,989 |
| Total domestic deposits to total assets | 85.3828% | 3,231 |
| Equity capital to assets | 10.6097% | 3,414 |
| Core capital (leverage) ratio | 9.7479% | 3,960 |
| Tier 1 risk-based capital ratio | 11.3560% | 5,628 |
| Total risk-based capital ratio | 12.1433% | 5,782 |
| Memoranda: | ||
| Average total assets | $473,235,500 | 1,442 |
| Average earning assets | $435,492,500 | 1,443 |
| Average equity | $49,933,000 | 1,504 |
| Average total loans | $354,536,500 | 1,279 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7652% | 1,183 |
| Cost of funding earning assets | 0.4594% | 3,080 |
| Net interest margin | 4.3058% | 1,050 |
| Noninterest income to average assets | 1.8066% | 400 |
| Noninterest expense to average assets | 4.6049% | 421 |
| Loan and lease loss provision to assets | -0.1932% | 6,282 |
| Net operating income to assets | 0.9091% | 2,828 |
| Return on assets (ROA) | 0.9745% | 2,585 |
| Pretax return on assets | 1.4266% | 1,793 |
| Return on Equity (ROE) | 9.2752% | 2,454 |
| Retained earnings to average equity (ytd only) | -3.9171% | 6,133 |
| Net charge-offs to loans | -0.0610% | 5,995 |
| Credit loss provision to net charge-offs | 435.5769% | 597 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5818% | 1,995 |
| Assets per employee ($millions) | 3.2774% | 5,300 |
| Cash dividends to net income (ytd only)* | 142.2319% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9620% | 5,229 |
| Loan loss allowance to noncurrent loans | 176.5609% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 0.5665% | 3,907 |
| Noncurrent loans to loans | 0.5448% | 4,027 |
| Net loans and leases to total assets | 75.7858% | 1,299 |
| Net loans and leases to deposits | 89.7823% | 1,539 |
| Net loans and leases to core deposits | 96.6088% | 1,672 |
| Total domestic deposits to total assets | 84.4106% | 3,551 |
| Equity capital to assets | 10.4920% | 3,491 |
| Core capital (leverage) ratio | 9.5345% | 4,195 |
| Tier 1 risk-based capital ratio | 11.8551% | 5,459 |
| Total risk-based capital ratio | 12.7775% | 5,565 |
| Memoranda: | ||
| Average total assets | $468,939,800 | 1,424 |
| Average earning assets | $428,604,000 | 1,427 |
| Average equity | $49,271,200 | 1,463 |
| Average total loans | $341,194,800 | 1,285 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6511% | 1,430 |
| Cost of funding earning assets | 0.4748% | 3,008 |
| Net interest margin | 4.1763% | 1,358 |
| Noninterest income to average assets | 1.7674% | 418 |
| Noninterest expense to average assets | 4.5698% | 427 |
| Loan and lease loss provision to assets | -0.0389% | 6,148 |
| Net operating income to assets | 0.7327% | 3,770 |
| Return on assets (ROA) | 0.8204% | 3,430 |
| Pretax return on assets | 1.1749% | 2,889 |
| Return on Equity (ROE) | 7.8057% | 3,311 |
| Retained earnings to average equity (ytd only) | -3.0130% | 6,146 |
| Net charge-offs to loans | -0.0146% | 5,530 |
| Credit loss provision to net charge-offs | 370.2703% | 763 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0494% | 1,753 |
| Assets per employee ($millions) | 3.3124% | 5,222 |
| Cash dividends to net income (ytd only)* | 138.6003% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1147% | 4,684 |
| Loan loss allowance to noncurrent loans | 134.6640% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 0.7524% | 3,557 |
| Noncurrent loans to loans | 0.8278% | 3,504 |
| Net loans and leases to total assets | 74.7635% | 1,401 |
| Net loans and leases to deposits | 90.7421% | 1,359 |
| Net loans and leases to core deposits | 97.9670% | 1,528 |
| Total domestic deposits to total assets | 82.3912% | 4,341 |
| Equity capital to assets | 10.4255% | 3,649 |
| Core capital (leverage) ratio | 9.7072% | 4,068 |
| Tier 1 risk-based capital ratio | 11.8763% | 5,573 |
| Total risk-based capital ratio | 12.9410% | 5,593 |
| Memoranda: | ||
| Average total assets | $469,006,750 | 1,440 |
| Average earning assets | $428,218,500 | 1,443 |
| Average equity | $49,295,750 | 1,462 |
| Average total loans | $336,834,250 | 1,301 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5687% | 1,615 |
| Cost of funding earning assets | 0.4851% | 2,975 |
| Net interest margin | 4.0836% | 1,564 |
| Noninterest income to average assets | 1.4466% | 576 |
| Noninterest expense to average assets | 4.5349% | 436 |
| Loan and lease loss provision to assets | -0.0782% | 6,351 |
| Net operating income to assets | 0.5334% | 4,678 |
| Return on assets (ROA) | 0.6177% | 4,363 |
| Pretax return on assets | 0.8383% | 4,127 |
| Return on Equity (ROE) | 5.8610% | 4,238 |
| Retained earnings to average equity (ytd only) | -10.4535% | 6,426 |
| Net charge-offs to loans | -0.1299% | 6,224 |
| Credit loss provision to net charge-offs | 85.4460% | 2,257 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1600% | 1,259 |
| Assets per employee ($millions) | 3.0855% | 5,616 |
| Cash dividends to net income (ytd only)* | 278.3577% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2079% | 4,389 |
| Loan loss allowance to noncurrent loans | 120.4323% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 0.8371% | 3,464 |
| Noncurrent loans to loans | 1.0030% | 3,228 |
| Net loans and leases to total assets | 72.4021% | 1,670 |
| Net loans and leases to deposits | 88.8111% | 1,499 |
| Net loans and leases to core deposits | 99.0819% | 1,360 |
| Total domestic deposits to total assets | 81.5236% | 4,807 |
| Equity capital to assets | 10.3478% | 3,625 |
| Core capital (leverage) ratio | 9.6330% | 4,137 |
| Tier 1 risk-based capital ratio | 11.8658% | 5,610 |
| Total risk-based capital ratio | 13.0005% | 5,605 |
| Memoranda: | ||
| Average total assets | $465,241,000 | 1,447 |
| Average earning assets | $425,459,670 | 1,451 |
| Average equity | $49,036,330 | 1,463 |
| Average total loans | $328,065,670 | 1,329 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5055% | 1,796 |
| Cost of funding earning assets | 0.4960% | 2,949 |
| Net interest margin | 4.0095% | 1,724 |
| Noninterest income to average assets | 1.5400% | 500 |
| Noninterest expense to average assets | 4.5273% | 446 |
| Loan and lease loss provision to assets | -0.3716% | 6,639 |
| Net operating income to assets | 0.7233% | 3,571 |
| Return on assets (ROA) | 0.9086% | 2,681 |
| Pretax return on assets | 1.3148% | 2,046 |
| Return on Equity (ROE) | 8.5407% | 2,673 |
| Retained earnings to average equity (ytd only) | -24.0263% | 6,575 |
| Net charge-offs to loans | -0.3084% | 6,486 |
| Credit loss provision to net charge-offs | 174.3902% | 1,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3813% | 1,507 |
| Assets per employee ($millions) | 3.0013% | 5,857 |
| Cash dividends to net income (ytd only)* | 381.3155% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2370% | 4,446 |
| Loan loss allowance to noncurrent loans | 121.1797% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 0.8102% | 3,715 |
| Noncurrent loans to loans | 1.0208% | 3,382 |
| Net loans and leases to total assets | 69.3907% | 1,995 |
| Net loans and leases to deposits | 83.5216% | 1,873 |
| Net loans and leases to core deposits | 88.1712% | 2,076 |
| Total domestic deposits to total assets | 83.0811% | 4,582 |
| Equity capital to assets | 10.5197% | 3,227 |
| Core capital (leverage) ratio | 9.4696% | 4,327 |
| Tier 1 risk-based capital ratio | 12.3941% | 5,374 |
| Total risk-based capital ratio | 13.5305% | 5,391 |
| Memoranda: | ||
| Average total assets | $461,822,000 | 1,460 |
| Average earning assets | $421,794,000 | 1,467 |
| Average equity | $49,129,500 | 1,460 |
| Average total loans | $319,111,500 | 1,366 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5208% | 2,126 |
| Cost of funding earning assets | 0.6079% | 2,592 |
| Net interest margin | 3.9129% | 2,244 |
| Noninterest income to average assets | 2.0887% | 370 |
| Noninterest expense to average assets | 4.4381% | 553 |
| Loan and lease loss provision to assets | 0.2461% | 1,468 |
| Net operating income to assets | 0.6769% | 3,908 |
| Return on assets (ROA) | 0.7629% | 3,579 |
| Pretax return on assets | 1.0582% | 3,116 |
| Return on Equity (ROE) | 6.7233% | 3,711 |
| Retained earnings to average equity (ytd only) | -6.6431% | 6,439 |
| Net charge-offs to loans | 0.3597% | 1,877 |
| Credit loss provision to net charge-offs | 107.1698% | 2,239 |
| Earnings coverage of net charge-offs (x) | 5.1594% | 3,367 |
| Efficiency ratio | 77.4006% | 2,556 |
| Assets per employee ($millions) | 3.0552% | 5,753 |
| Cash dividends to net income (ytd only)* | 198.8072% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3056% | 4,114 |
| Loan loss allowance to noncurrent loans | 124.6769% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 1.3443% | 2,738 |
| Noncurrent loans to loans | 1.0472% | 3,416 |
| Net loans and leases to total assets | 67.0775% | 2,509 |
| Net loans and leases to deposits | 82.5105% | 2,128 |
| Net loans and leases to core deposits | 86.7816% | 2,372 |
| Total domestic deposits to total assets | 81.2957% | 5,099 |
| Equity capital to assets | 10.7538% | 2,872 |
| Core capital (leverage) ratio | 10.0135% | 3,549 |
| Tier 1 risk-based capital ratio | 13.0686% | 4,930 |
| Total risk-based capital ratio | 14.2447% | 4,928 |
| Memoranda: | ||
| Average total assets | $461,531,200 | 1,433 |
| Average earning assets | $416,876,000 | 1,461 |
| Average equity | $52,370,400 | 1,354 |
| Average total loans | $294,720,800 | 1,435 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4582% | 2,389 |
| Cost of funding earning assets | 0.6160% | 2,679 |
| Net interest margin | 3.8422% | 2,497 |
| Noninterest income to average assets | 2.1782% | 370 |
| Noninterest expense to average assets | 4.3556% | 599 |
| Loan and lease loss provision to assets | 0.2376% | 1,514 |
| Net operating income to assets | 0.7391% | 3,652 |
| Return on assets (ROA) | 0.8535% | 3,194 |
| Pretax return on assets | 1.2079% | 2,663 |
| Return on Equity (ROE) | 7.4232% | 3,422 |
| Retained earnings to average equity (ytd only) | -5.1798% | 6,503 |
| Net charge-offs to loans | 0.2035% | 2,603 |
| Credit loss provision to net charge-offs | 185.9410% | 1,300 |
| Earnings coverage of net charge-offs (x) | 10.0498% | 2,402 |
| Efficiency ratio | 75.7001% | 2,773 |
| Assets per employee ($millions) | 3.0743% | 5,728 |
| Cash dividends to net income (ytd only)* | 169.7792% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4668% | 3,610 |
| Loan loss allowance to noncurrent loans | 109.1734% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 1.6964% | 2,424 |
| Noncurrent loans to loans | 1.3435% | 3,171 |
| Net loans and leases to total assets | 64.4101% | 2,933 |
| Net loans and leases to deposits | 79.5332% | 2,477 |
| Net loans and leases to core deposits | 83.6097% | 2,687 |
| Total domestic deposits to total assets | 80.9851% | 5,216 |
| Equity capital to assets | 11.1656% | 2,604 |
| Core capital (leverage) ratio | 10.5748% | 2,922 |
| Tier 1 risk-based capital ratio | 14.0123% | 4,426 |
| Total risk-based capital ratio | 15.2655% | 4,371 |
| Memoranda: | ||
| Average total assets | $460,053,250 | 1,441 |
| Average earning assets | $414,510,000 | 1,477 |
| Average equity | $52,896,000 | 1,354 |
| Average total loans | $288,976,750 | 1,470 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3912% | 2,599 |
| Cost of funding earning assets | 0.6257% | 2,728 |
| Net interest margin | 3.7655% | 2,692 |
| Noninterest income to average assets | 2.3778% | 347 |
| Noninterest expense to average assets | 4.3522% | 595 |
| Loan and lease loss provision to assets | 0.3689% | 888 |
| Net operating income to assets | 0.7340% | 3,644 |
| Return on assets (ROA) | 0.8847% | 3,031 |
| Pretax return on assets | 1.2650% | 2,423 |
| Return on Equity (ROE) | 7.6206% | 3,278 |
| Retained earnings to average equity (ytd only) | -11.1586% | 6,690 |
| Net charge-offs to loans | 0.3618% | 1,757 |
| Credit loss provision to net charge-offs | 164.5914% | 1,432 |
| Earnings coverage of net charge-offs (x) | 6.3288% | 2,738 |
| Efficiency ratio | 73.9232% | 3,149 |
| Assets per employee ($millions) | 3.2357% | 5,402 |
| Cash dividends to net income (ytd only)* | 246.4268% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5146% | 3,520 |
| Loan loss allowance to noncurrent loans | 73.4245% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 1.9618% | 2,201 |
| Noncurrent loans to loans | 2.0628% | 2,320 |
| Net loans and leases to total assets | 63.2150% | 3,060 |
| Net loans and leases to deposits | 77.8786% | 2,588 |
| Net loans and leases to core deposits | 81.8712% | 2,813 |
| Total domestic deposits to total assets | 81.1712% | 5,299 |
| Equity capital to assets | 11.3198% | 2,442 |
| Core capital (leverage) ratio | 10.3680% | 3,024 |
| Tier 1 risk-based capital ratio | 14.5115% | 4,090 |
| Total risk-based capital ratio | 15.7631% | 4,059 |
| Memoranda: | ||
| Average total assets | $458,664,000 | 1,447 |
| Average earning assets | $413,282,000 | 1,474 |
| Average equity | $53,250,330 | 1,348 |
| Average total loans | $284,150,330 | 1,497 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3276% | 2,773 |
| Cost of funding earning assets | 0.6358% | 2,779 |
| Net interest margin | 3.6919% | 2,885 |
| Noninterest income to average assets | 2.4642% | 326 |
| Noninterest expense to average assets | 4.3138% | 617 |
| Loan and lease loss provision to assets | 0.2990% | 1,166 |
| Net operating income to assets | 0.8067% | 3,121 |
| Return on assets (ROA) | 1.0184% | 2,271 |
| Pretax return on assets | 1.4700% | 1,650 |
| Return on Equity (ROE) | 8.6658% | 2,646 |
| Retained earnings to average equity (ytd only) | -28.2100% | 6,893 |
| Net charge-offs to loans | 0.5811% | 1,049 |
| Credit loss provision to net charge-offs | 84.5588% | 2,100 |
| Earnings coverage of net charge-offs (x) | 4.1348% | 2,609 |
| Efficiency ratio | 73.1993% | 3,415 |
| Assets per employee ($millions) | 3.1328% | 5,763 |
| Cash dividends to net income (ytd only)* | 425.5319% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4519% | 4,010 |
| Loan loss allowance to noncurrent loans | 65.3890% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 2.1791% | 2,145 |
| Noncurrent loans to loans | 2.2205% | 2,365 |
| Net loans and leases to total assets | 59.4910% | 3,518 |
| Net loans and leases to deposits | 71.6023% | 3,237 |
| Net loans and leases to core deposits | 75.6466% | 3,367 |
| Total domestic deposits to total assets | 83.0853% | 4,825 |
| Equity capital to assets | 11.4384% | 2,474 |
| Core capital (leverage) ratio | 10.0284% | 3,340 |
| Tier 1 risk-based capital ratio | 14.1970% | 4,367 |
| Total risk-based capital ratio | 15.4472% | 4,329 |
| Memoranda: | ||
| Average total assets | $461,495,000 | 1,454 |
| Average earning assets | $413,990,500 | 1,486 |
| Average equity | $54,236,000 | 1,345 |
| Average total loans | $280,841,000 | 1,516 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9516% | 1,685 |
| Cost of funding earning assets | 0.7449% | 3,115 |
| Net interest margin | 4.2068% | 1,642 |
| Noninterest income to average assets | 1.8424% | 492 |
| Noninterest expense to average assets | 3.7663% | 1,305 |
| Loan and lease loss provision to assets | -0.0963% | 6,925 |
| Net operating income to assets | 1.2877% | 1,342 |
| Return on assets (ROA) | 1.4418% | 1,145 |
| Pretax return on assets | 2.1753% | 435 |
| Return on Equity (ROE) | 11.7795% | 1,566 |
| Retained earnings to average equity (ytd only) | 8.0961% | 1,085 |
| Net charge-offs to loans | -0.2279% | 6,946 |
| Credit loss provision to net charge-offs | 67.3502% | 4,235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5232% | 4,599 |
| Assets per employee ($millions) | 3.3257% | 5,369 |
| Cash dividends to net income (ytd only)* | 31.2695% | 3,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4259% | 4,034 |
| Loan loss allowance to noncurrent loans | 49.8104% | 5,142 |
| Noncurrent assets plus other real estate owned to assets | 2.4446% | 2,000 |
| Noncurrent loans to loans | 2.8627% | 1,832 |
| Net loans and leases to total assets | 60.4585% | 3,525 |
| Net loans and leases to deposits | 75.6432% | 2,863 |
| Net loans and leases to core deposits | 79.8078% | 3,038 |
| Total domestic deposits to total assets | 79.9259% | 5,689 |
| Equity capital to assets | 12.0606% | 2,007 |
| Core capital (leverage) ratio | 11.4070% | 1,935 |
| Tier 1 risk-based capital ratio | 15.2091% | 3,607 |
| Total risk-based capital ratio | 16.4593% | 3,549 |
| Memoranda: | ||
| Average total assets | $443,616,400 | 1,484 |
| Average earning assets | $397,504,000 | 1,517 |
| Average equity | $54,297,800 | 1,314 |
| Average total loans | $278,240,600 | 1,495 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0596% | 1,532 |
| Cost of funding earning assets | 0.7722% | 3,171 |
| Net interest margin | 4.2874% | 1,509 |
| Noninterest income to average assets | 1.3816% | 784 |
| Noninterest expense to average assets | 3.5636% | 1,625 |
| Loan and lease loss provision to assets | 0.0326% | 5,371 |
| Net operating income to assets | 1.0896% | 2,132 |
| Return on assets (ROA) | 1.3290% | 1,513 |
| Pretax return on assets | 1.9918% | 709 |
| Return on Equity (ROE) | 10.8157% | 2,022 |
| Retained earnings to average equity (ytd only) | 10.8157% | 716 |
| Net charge-offs to loans | -0.0781% | 6,804 |
| Credit loss provision to net charge-offs | -66.0494% | 6,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4010% | 4,372 |
| Assets per employee ($millions) | 3.2006% | 5,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4132% | 4,318 |
| Loan loss allowance to noncurrent loans | 67.0342% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 2.2797% | 2,339 |
| Noncurrent loans to loans | 2.1082% | 2,716 |
| Net loans and leases to total assets | 66.2537% | 2,607 |
| Net loans and leases to deposits | 81.3754% | 2,204 |
| Net loans and leases to core deposits | 85.5087% | 2,530 |
| Total domestic deposits to total assets | 81.4174% | 5,226 |
| Equity capital to assets | 12.9226% | 1,634 |
| Core capital (leverage) ratio | 11.6232% | 1,892 |
| Tier 1 risk-based capital ratio | 15.1324% | 3,750 |
| Total risk-based capital ratio | 16.3827% | 3,705 |
| Memoranda: | ||
| Average total assets | $438,120,500 | 1,519 |
| Average earning assets | $393,327,500 | 1,544 |
| Average equity | $53,833,750 | 1,335 |
| Average total loans | $276,409,000 | 1,519 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0985% | 1,505 |
| Cost of funding earning assets | 0.7849% | 3,321 |
| Net interest margin | 4.3136% | 1,451 |
| Noninterest income to average assets | 1.4453% | 695 |
| Noninterest expense to average assets | 3.4300% | 1,957 |
| Loan and lease loss provision to assets | 0.0970% | 4,324 |
| Net operating income to assets | 1.1952% | 1,736 |
| Return on assets (ROA) | 1.3902% | 1,355 |
| Pretax return on assets | 2.0872% | 589 |
| Return on Equity (ROE) | 11.5108% | 1,825 |
| Retained earnings to average equity (ytd only) | 11.5108% | 658 |
| Net charge-offs to loans | -0.1823% | 6,977 |
| Credit loss provision to net charge-offs | -86.2348% | 6,051 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7417% | 5,125 |
| Assets per employee ($millions) | 3.4379% | 5,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5237% | 3,902 |
| Loan loss allowance to noncurrent loans | 72.0233% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 2.6634% | 2,075 |
| Noncurrent loans to loans | 2.1156% | 2,804 |
| Net loans and leases to total assets | 63.0265% | 3,228 |
| Net loans and leases to deposits | 78.5064% | 2,598 |
| Net loans and leases to core deposits | 82.1604% | 2,943 |
| Total domestic deposits to total assets | 80.2820% | 5,669 |
| Equity capital to assets | 12.3407% | 1,917 |
| Core capital (leverage) ratio | 11.2639% | 2,073 |
| Tier 1 risk-based capital ratio | 14.7827% | 3,904 |
| Total risk-based capital ratio | 16.0338% | 3,873 |
| Memoranda: | ||
| Average total assets | $439,066,330 | 1,515 |
| Average earning assets | $394,701,000 | 1,541 |
| Average equity | $53,028,330 | 1,343 |
| Average total loans | $271,037,000 | 1,546 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9753% | 1,975 |
| Cost of funding earning assets | 0.8077% | 3,412 |
| Net interest margin | 4.1676% | 1,858 |
| Noninterest income to average assets | 1.1024% | 1,166 |
| Noninterest expense to average assets | 3.4126% | 1,977 |
| Loan and lease loss provision to assets | 0.2381% | 2,566 |
| Net operating income to assets | 0.8620% | 3,096 |
| Return on assets (ROA) | 0.8818% | 3,227 |
| Pretax return on assets | 1.2260% | 2,812 |
| Return on Equity (ROE) | 7.3825% | 3,571 |
| Retained earnings to average equity (ytd only) | 7.3825% | 2,241 |
| Net charge-offs to loans | -0.1194% | 6,854 |
| Credit loss provision to net charge-offs | -329.1139% | 5,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5045% | 4,070 |
| Assets per employee ($millions) | 3.4911% | 5,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5573% | 3,905 |
| Loan loss allowance to noncurrent loans | 53.9943% | 4,844 |
| Noncurrent assets plus other real estate owned to assets | 3.0788% | 1,894 |
| Noncurrent loans to loans | 2.8843% | 2,239 |
| Net loans and leases to total assets | 61.3862% | 3,377 |
| Net loans and leases to deposits | 73.3472% | 3,225 |
| Net loans and leases to core deposits | 76.8103% | 3,504 |
| Total domestic deposits to total assets | 83.6926% | 4,639 |
| Equity capital to assets | 12.2300% | 1,893 |
| Core capital (leverage) ratio | 10.7173% | 2,530 |
| Tier 1 risk-based capital ratio | 14.8243% | 3,874 |
| Total risk-based capital ratio | 16.0757% | 3,836 |
| Memoranda: | ||
| Average total assets | $436,853,000 | 1,526 |
| Average earning assets | $392,742,000 | 1,550 |
| Average equity | $52,177,500 | 1,357 |
| Average total loans | $264,634,000 | 1,579 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9871% | 2,937 |
| Cost of funding earning assets | 1.0801% | 2,805 |
| Net interest margin | 3.9070% | 3,307 |
| Noninterest income to average assets | 0.5617% | 3,419 |
| Noninterest expense to average assets | 2.7041% | 4,726 |
| Loan and lease loss provision to assets | 1.0864% | 835 |
| Net operating income to assets | 0.2055% | 5,575 |
| Return on assets (ROA) | 0.3038% | 5,392 |
| Pretax return on assets | 0.4101% | 5,265 |
| Return on Equity (ROE) | 2.5725% | 5,451 |
| Retained earnings to average equity (ytd only) | 2.5725% | 4,395 |
| Net charge-offs to loans | 1.8142% | 809 |
| Credit loss provision to net charge-offs | 101.9014% | 3,407 |
| Earnings coverage of net charge-offs (x) | 1.2790% | 4,820 |
| Efficiency ratio | 64.1827% | 5,097 |
| Assets per employee ($millions) | 3.8667% | 4,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4904% | 4,073 |
| Loan loss allowance to noncurrent loans | 44.6202% | 5,333 |
| Noncurrent assets plus other real estate owned to assets | 3.2647% | 1,823 |
| Noncurrent loans to loans | 3.3402% | 1,940 |
| Net loans and leases to total assets | 57.9525% | 4,378 |
| Net loans and leases to deposits | 69.9168% | 4,117 |
| Net loans and leases to core deposits | 75.3665% | 4,059 |
| Total domestic deposits to total assets | 82.8879% | 4,792 |
| Equity capital to assets | 11.6630% | 2,369 |
| Core capital (leverage) ratio | 10.4973% | 2,735 |
| Tier 1 risk-based capital ratio | 14.9052% | 3,695 |
| Total risk-based capital ratio | 16.1559% | 3,668 |
| Memoranda: | ||
| Average total assets | $424,252,000 | 1,536 |
| Average earning assets | $380,700,400 | 1,560 |
| Average equity | $50,106,400 | 1,359 |
| Average total loans | $249,317,800 | 1,678 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0170% | 3,005 |
| Cost of funding earning assets | 1.1316% | 2,759 |
| Net interest margin | 3.8853% | 3,456 |
| Noninterest income to average assets | 0.4154% | 4,541 |
| Noninterest expense to average assets | 2.6335% | 4,962 |
| Loan and lease loss provision to assets | 0.9813% | 886 |
| Net operating income to assets | 0.2042% | 5,694 |
| Return on assets (ROA) | 0.2526% | 5,708 |
| Pretax return on assets | 0.3535% | 5,592 |
| Return on Equity (ROE) | 2.1320% | 5,730 |
| Retained earnings to average equity (ytd only) | 2.1320% | 5,070 |
| Net charge-offs to loans | 1.5763% | 897 |
| Credit loss provision to net charge-offs | 105.9630% | 3,126 |
| Earnings coverage of net charge-offs (x) | 1.3677% | 4,594 |
| Efficiency ratio | 65.1070% | 4,877 |
| Assets per employee ($millions) | 4.2092% | 3,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5625% | 3,838 |
| Loan loss allowance to noncurrent loans | 27.4705% | 6,386 |
| Noncurrent assets plus other real estate owned to assets | 4.0355% | 1,521 |
| Noncurrent loans to loans | 5.6880% | 1,014 |
| Net loans and leases to total assets | 58.5780% | 4,401 |
| Net loans and leases to deposits | 69.8841% | 4,322 |
| Net loans and leases to core deposits | 75.7380% | 4,224 |
| Total domestic deposits to total assets | 83.8217% | 4,314 |
| Equity capital to assets | 12.0229% | 2,234 |
| Core capital (leverage) ratio | 10.5395% | 2,822 |
| Tier 1 risk-based capital ratio | 14.8301% | 3,765 |
| Total risk-based capital ratio | 16.0811% | 3,735 |
| Memoranda: | ||
| Average total assets | $420,114,000 | 1,558 |
| Average earning assets | $376,792,750 | 1,587 |
| Average equity | $49,780,250 | 1,373 |
| Average total loans | $246,816,750 | 1,711 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0612% | 2,874 |
| Cost of funding earning assets | 1.2034% | 2,559 |
| Net interest margin | 3.8578% | 3,498 |
| Noninterest income to average assets | 0.3188% | 5,351 |
| Noninterest expense to average assets | 2.6427% | 5,028 |
| Loan and lease loss provision to assets | 1.1524% | 693 |
| Net operating income to assets | 0.0283% | 6,175 |
| Return on assets (ROA) | 0.0081% | 6,287 |
| Pretax return on assets | -0.0679% | 6,330 |
| Return on Equity (ROE) | 0.0689% | 6,289 |
| Retained earnings to average equity (ytd only) | 0.0689% | 5,807 |
| Net charge-offs to loans | 1.7290% | 823 |
| Credit loss provision to net charge-offs | 113.9414% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.1035% | 4,450 |
| Efficiency ratio | 67.7899% | 4,557 |
| Assets per employee ($millions) | 4.1970% | 3,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6394% | 3,532 |
| Loan loss allowance to noncurrent loans | 24.0042% | 6,578 |
| Noncurrent assets plus other real estate owned to assets | 5.9476% | 945 |
| Noncurrent loans to loans | 6.8298% | 774 |
| Net loans and leases to total assets | 58.2387% | 4,584 |
| Net loans and leases to deposits | 69.9762% | 4,442 |
| Net loans and leases to core deposits | 76.0843% | 4,307 |
| Total domestic deposits to total assets | 83.2265% | 4,658 |
| Equity capital to assets | 11.8986% | 2,164 |
| Core capital (leverage) ratio | 10.4141% | 2,806 |
| Tier 1 risk-based capital ratio | 14.6267% | 3,709 |
| Total risk-based capital ratio | 15.8784% | 3,672 |
| Memoranda: | ||
| Average total assets | $418,441,330 | 1,577 |
| Average earning assets | $373,111,670 | 1,615 |
| Average equity | $49,336,000 | 1,371 |
| Average total loans | $244,760,000 | 1,744 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0883% | 2,695 |
| Cost of funding earning assets | 1.2382% | 2,581 |
| Net interest margin | 3.8501% | 3,375 |
| Noninterest income to average assets | 0.7046% | 2,551 |
| Noninterest expense to average assets | 3.2972% | 2,564 |
| Loan and lease loss provision to assets | 1.4724% | 441 |
| Net operating income to assets | -0.3348% | 6,691 |
| Return on assets (ROA) | -0.6031% | 6,872 |
| Pretax return on assets | -1.0550% | 7,014 |
| Return on Equity (ROE) | -5.1392% | 6,816 |
| Retained earnings to average equity (ytd only) | -5.1392% | 6,532 |
| Net charge-offs to loans | 1.4690% | 924 |
| Credit loss provision to net charge-offs | 172.4215% | 1,680 |
| Earnings coverage of net charge-offs (x) | 0.9798% | 3,923 |
| Efficiency ratio | 77.4664% | 2,921 |
| Assets per employee ($millions) | 4.0568% | 3,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8480% | 2,860 |
| Loan loss allowance to noncurrent loans | 24.1764% | 6,598 |
| Noncurrent assets plus other real estate owned to assets | 6.5953% | 831 |
| Noncurrent loans to loans | 7.6438% | 675 |
| Net loans and leases to total assets | 56.2466% | 4,958 |
| Net loans and leases to deposits | 67.3954% | 4,767 |
| Net loans and leases to core deposits | 73.3226% | 4,614 |
| Total domestic deposits to total assets | 83.4575% | 4,716 |
| Equity capital to assets | 11.6519% | 2,161 |
| Core capital (leverage) ratio | 10.2812% | 2,824 |
| Tier 1 risk-based capital ratio | 14.4836% | 3,749 |
| Total risk-based capital ratio | 15.7370% | 3,707 |
| Memoranda: | ||
| Average total assets | $417,813,500 | 1,593 |
| Average earning assets | $372,149,000 | 1,628 |
| Average equity | $49,035,000 | 1,361 |
| Average total loans | $242,890,000 | 1,772 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3259% | 2,995 |
| Cost of funding earning assets | 1.4892% | 2,706 |
| Net interest margin | 3.8367% | 3,793 |
| Noninterest income to average assets | 0.8862% | 1,905 |
| Noninterest expense to average assets | 2.9020% | 4,216 |
| Loan and lease loss provision to assets | 1.0794% | 1,485 |
| Net operating income to assets | 0.1866% | 5,314 |
| Return on assets (ROA) | 0.2941% | 5,119 |
| Pretax return on assets | 0.5249% | 4,540 |
| Return on Equity (ROE) | 2.7089% | 5,088 |
| Retained earnings to average equity (ytd only) | 2.7089% | 3,962 |
| Net charge-offs to loans | 2.5448% | 735 |
| Credit loss provision to net charge-offs | 69.3532% | 5,881 |
| Earnings coverage of net charge-offs (x) | 0.9229% | 5,188 |
| Efficiency ratio | 56.3279% | 6,557 |
| Assets per employee ($millions) | 4.3070% | 3,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5341% | 3,842 |
| Loan loss allowance to noncurrent loans | 17.6548% | 6,894 |
| Noncurrent assets plus other real estate owned to assets | 6.9151% | 796 |
| Noncurrent loans to loans | 8.6895% | 551 |
| Net loans and leases to total assets | 58.0572% | 5,017 |
| Net loans and leases to deposits | 69.7139% | 4,848 |
| Net loans and leases to core deposits | 75.8978% | 4,731 |
| Total domestic deposits to total assets | 83.2793% | 4,683 |
| Equity capital to assets | 11.8203% | 2,026 |
| Core capital (leverage) ratio | 10.0247% | 3,066 |
| Tier 1 risk-based capital ratio | 14.4333% | 3,598 |
| Total risk-based capital ratio | 15.6836% | 3,549 |
| Memoranda: | ||
| Average total assets | $444,045,200 | 1,497 |
| Average earning assets | $399,536,400 | 1,520 |
| Average equity | $48,211,800 | 1,392 |
| Average total loans | $271,569,000 | 1,644 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3309% | 3,210 |
| Cost of funding earning assets | 1.5102% | 2,912 |
| Net interest margin | 3.8207% | 3,883 |
| Noninterest income to average assets | 0.6986% | 2,820 |
| Noninterest expense to average assets | 2.9032% | 4,078 |
| Loan and lease loss provision to assets | 1.2676% | 1,114 |
| Net operating income to assets | -0.1667% | 6,273 |
| Return on assets (ROA) | -0.0260% | 6,175 |
| Pretax return on assets | 0.1917% | 5,747 |
| Return on Equity (ROE) | -0.2449% | 6,173 |
| Retained earnings to average equity (ytd only) | -0.2449% | 5,839 |
| Net charge-offs to loans | 2.3991% | 721 |
| Credit loss provision to net charge-offs | 85.6800% | 4,934 |
| Earnings coverage of net charge-offs (x) | 0.8378% | 5,216 |
| Efficiency ratio | 56.2531% | 6,522 |
| Assets per employee ($millions) | 4.5250% | 2,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9737% | 2,293 |
| Loan loss allowance to noncurrent loans | 17.2786% | 6,995 |
| Noncurrent assets plus other real estate owned to assets | 7.6890% | 670 |
| Noncurrent loans to loans | 11.4228% | 324 |
| Net loans and leases to total assets | 58.6253% | 5,166 |
| Net loans and leases to deposits | 73.5511% | 4,587 |
| Net loans and leases to core deposits | 79.6970% | 4,564 |
| Total domestic deposits to total assets | 79.7069% | 5,805 |
| Equity capital to assets | 11.0912% | 2,865 |
| Core capital (leverage) ratio | 9.5252% | 3,870 |
| Tier 1 risk-based capital ratio | 13.2706% | 4,373 |
| Total risk-based capital ratio | 14.5257% | 4,336 |
| Memoranda: | ||
| Average total assets | $450,611,250 | 1,499 |
| Average earning assets | $406,200,250 | 1,522 |
| Average equity | $47,919,000 | 1,407 |
| Average total loans | $277,878,500 | 1,632 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3566% | 3,182 |
| Cost of funding earning assets | 1.5311% | 3,063 |
| Net interest margin | 3.8254% | 3,785 |
| Noninterest income to average assets | 0.6200% | 3,197 |
| Noninterest expense to average assets | 2.3665% | 6,165 |
| Loan and lease loss provision to assets | 1.5947% | 823 |
| Net operating income to assets | 0.0760% | 5,937 |
| Return on assets (ROA) | 0.2675% | 5,455 |
| Pretax return on assets | 0.3886% | 5,265 |
| Return on Equity (ROE) | 2.5512% | 5,438 |
| Retained earnings to average equity (ytd only) | 2.5512% | 4,527 |
| Net charge-offs to loans | 2.1597% | 831 |
| Credit loss provision to net charge-offs | 118.5864% | 3,424 |
| Earnings coverage of net charge-offs (x) | 1.2683% | 4,553 |
| Efficiency ratio | 55.9758% | 6,640 |
| Assets per employee ($millions) | 4.4368% | 2,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3582% | 1,497 |
| Loan loss allowance to noncurrent loans | 20.2050% | 6,929 |
| Noncurrent assets plus other real estate owned to assets | 7.8331% | 636 |
| Noncurrent loans to loans | 11.6711% | 311 |
| Net loans and leases to total assets | 60.9438% | 4,880 |
| Net loans and leases to deposits | 76.3441% | 4,269 |
| Net loans and leases to core deposits | 82.4905% | 4,347 |
| Total domestic deposits to total assets | 79.8277% | 5,779 |
| Equity capital to assets | 11.0871% | 2,779 |
| Core capital (leverage) ratio | 9.1706% | 4,342 |
| Tier 1 risk-based capital ratio | 12.6522% | 4,731 |
| Total risk-based capital ratio | 13.9119% | 4,695 |
| Memoranda: | ||
| Average total assets | $454,507,330 | 1,504 |
| Average earning assets | $410,151,670 | 1,512 |
| Average equity | $47,664,670 | 1,408 |
| Average total loans | $283,004,330 | 1,615 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3996% | 3,037 |
| Cost of funding earning assets | 1.5691% | 3,145 |
| Net interest margin | 3.8305% | 3,668 |
| Noninterest income to average assets | 0.5531% | 3,629 |
| Noninterest expense to average assets | 2.8727% | 4,175 |
| Loan and lease loss provision to assets | 2.0496% | 537 |
| Net operating income to assets | -0.5261% | 6,846 |
| Return on assets (ROA) | -0.5167% | 6,868 |
| Pretax return on assets | -0.8915% | 6,999 |
| Return on Equity (ROE) | -5.0650% | 6,887 |
| Retained earnings to average equity (ytd only) | -5.0650% | 6,593 |
| Net charge-offs to loans | 1.1565% | 1,455 |
| Credit loss provision to net charge-offs | 284.9579% | 1,383 |
| Earnings coverage of net charge-offs (x) | 1.5897% | 3,774 |
| Efficiency ratio | 69.3966% | 4,427 |
| Assets per employee ($millions) | 4.7350% | 2,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6376% | 1,139 |
| Loan loss allowance to noncurrent loans | 34.3896% | 6,091 |
| Noncurrent assets plus other real estate owned to assets | 4.8779% | 1,338 |
| Noncurrent loans to loans | 7.6697% | 730 |
| Net loans and leases to total assets | 60.3701% | 5,056 |
| Net loans and leases to deposits | 75.4220% | 4,512 |
| Net loans and leases to core deposits | 82.2396% | 4,452 |
| Total domestic deposits to total assets | 80.0430% | 5,768 |
| Equity capital to assets | 10.3254% | 3,438 |
| Core capital (leverage) ratio | 8.6202% | 5,175 |
| Tier 1 risk-based capital ratio | 12.0132% | 5,184 |
| Total risk-based capital ratio | 13.2806% | 5,127 |
| Memoranda: | ||
| Average total assets | $462,140,500 | 1,520 |
| Average earning assets | $417,808,500 | 1,523 |
| Average equity | $47,147,500 | 1,426 |
| Average total loans | $287,429,000 | 1,641 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8519% | 2,435 |
| Cost of funding earning assets | 2.0785% | 2,577 |
| Net interest margin | 3.7734% | 3,826 |
| Noninterest income to average assets | 0.9655% | 1,681 |
| Noninterest expense to average assets | 4.4322% | 851 |
| Loan and lease loss provision to assets | 1.0965% | 2,078 |
| Net operating income to assets | -1.2937% | 6,759 |
| Return on assets (ROA) | -1.2540% | 6,742 |
| Pretax return on assets | -1.1445% | 6,506 |
| Return on Equity (ROE) | -11.6770% | 6,748 |
| Retained earnings to average equity (ytd only) | -11.6770% | 6,659 |
| Net charge-offs to loans | 1.2758% | 1,944 |
| Credit loss provision to net charge-offs | 130.6724% | 3,893 |
| Earnings coverage of net charge-offs (x) | -0.1045% | 6,338 |
| Efficiency ratio | 63.5439% | 5,859 |
| Assets per employee ($millions) | 4.8425% | 2,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0126% | 1,990 |
| Loan loss allowance to noncurrent loans | 31.9742% | 6,328 |
| Noncurrent assets plus other real estate owned to assets | 4.0128% | 1,643 |
| Noncurrent loans to loans | 6.2944% | 966 |
| Net loans and leases to total assets | 61.1233% | 5,171 |
| Net loans and leases to deposits | 76.2605% | 4,693 |
| Net loans and leases to core deposits | 85.9600% | 5,525 |
| Total domestic deposits to total assets | 80.1506% | 5,630 |
| Equity capital to assets | 10.0825% | 3,646 |
| Core capital (leverage) ratio | 8.3813% | 5,471 |
| Tier 1 risk-based capital ratio | 11.8607% | 5,064 |
| Total risk-based capital ratio | 13.1220% | 5,019 |
| Memoranda: | ||
| Average total assets | $473,222,800 | 1,470 |
| Average earning assets | $423,760,800 | 1,490 |
| Average equity | $50,817,800 | 1,316 |
| Average total loans | $311,249,200 | 1,537 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9520% | 2,224 |
| Cost of funding earning assets | 2.1300% | 2,745 |
| Net interest margin | 3.8220% | 3,567 |
| Noninterest income to average assets | 0.9939% | 1,629 |
| Noninterest expense to average assets | 2.9616% | 4,202 |
| Loan and lease loss provision to assets | 1.3738% | 1,401 |
| Net operating income to assets | 0.0787% | 5,533 |
| Return on assets (ROA) | 0.1305% | 5,439 |
| Pretax return on assets | 0.1209% | 5,481 |
| Return on Equity (ROE) | 1.1970% | 5,432 |
| Retained earnings to average equity (ytd only) | 1.1970% | 4,654 |
| Net charge-offs to loans | 1.4405% | 1,434 |
| Credit loss provision to net charge-offs | 143.1712% | 3,418 |
| Earnings coverage of net charge-offs (x) | 1.5038% | 4,657 |
| Efficiency ratio | 65.3429% | 5,488 |
| Assets per employee ($millions) | 4.7343% | 2,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0223% | 1,747 |
| Loan loss allowance to noncurrent loans | 35.5895% | 6,035 |
| Noncurrent assets plus other real estate owned to assets | 4.4972% | 1,360 |
| Noncurrent loans to loans | 5.6824% | 1,085 |
| Net loans and leases to total assets | 63.5919% | 4,952 |
| Net loans and leases to deposits | 81.7542% | 4,070 |
| Net loans and leases to core deposits | 92.6914% | 5,167 |
| Total domestic deposits to total assets | 77.7843% | 6,149 |
| Equity capital to assets | 11.1868% | 2,843 |
| Core capital (leverage) ratio | 8.0551% | 6,262 |
| Tier 1 risk-based capital ratio | 10.6294% | 6,314 |
| Total risk-based capital ratio | 11.8860% | 6,292 |
| Memoranda: | ||
| Average total assets | $474,097,750 | 1,480 |
| Average earning assets | $423,083,500 | 1,506 |
| Average equity | $51,682,250 | 1,307 |
| Average total loans | $315,809,750 | 1,540 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0137% | 2,133 |
| Cost of funding earning assets | 2.1554% | 3,013 |
| Net interest margin | 3.8582% | 3,302 |
| Noninterest income to average assets | 1.0435% | 1,451 |
| Noninterest expense to average assets | 3.0481% | 3,884 |
| Loan and lease loss provision to assets | 0.9607% | 1,761 |
| Net operating income to assets | 0.3370% | 4,733 |
| Return on assets (ROA) | 0.3892% | 4,657 |
| Pretax return on assets | 0.5602% | 4,443 |
| Return on Equity (ROE) | 3.6008% | 4,664 |
| Retained earnings to average equity (ytd only) | 3.6008% | 3,295 |
| Net charge-offs to loans | 0.7639% | 2,150 |
| Credit loss provision to net charge-offs | 187.2236% | 2,452 |
| Earnings coverage of net charge-offs (x) | 2.8165% | 3,682 |
| Efficiency ratio | 65.9839% | 5,547 |
| Assets per employee ($millions) | 4.5213% | 2,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8162% | 2,001 |
| Loan loss allowance to noncurrent loans | 30.9333% | 6,406 |
| Noncurrent assets plus other real estate owned to assets | 3.9490% | 1,514 |
| Noncurrent loans to loans | 5.8714% | 943 |
| Net loans and leases to total assets | 66.0365% | 4,557 |
| Net loans and leases to deposits | 85.2696% | 3,686 |
| Net loans and leases to core deposits | 99.1396% | 4,587 |
| Total domestic deposits to total assets | 77.4444% | 6,216 |
| Equity capital to assets | 10.9274% | 2,990 |
| Core capital (leverage) ratio | 8.0348% | 6,264 |
| Tier 1 risk-based capital ratio | 10.6293% | 6,253 |
| Total risk-based capital ratio | 11.8870% | 6,181 |
| Memoranda: | ||
| Average total assets | $475,898,670 | 1,496 |
| Average earning assets | $425,530,000 | 1,518 |
| Average equity | $51,432,330 | 1,327 |
| Average total loans | $319,678,330 | 1,556 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1885% | 1,637 |
| Cost of funding earning assets | 2.1853% | 3,237 |
| Net interest margin | 4.0032% | 2,630 |
| Noninterest income to average assets | 0.8923% | 1,887 |
| Noninterest expense to average assets | 2.8976% | 4,162 |
| Loan and lease loss provision to assets | 0.6275% | 2,016 |
| Net operating income to assets | 0.6025% | 3,999 |
| Return on assets (ROA) | 0.6041% | 4,185 |
| Pretax return on assets | 0.9391% | 3,568 |
| Return on Equity (ROE) | 5.6202% | 4,206 |
| Retained earnings to average equity (ytd only) | 5.6202% | 2,814 |
| Net charge-offs to loans | 0.6123% | 1,948 |
| Credit loss provision to net charge-offs | 152.6423% | 2,734 |
| Earnings coverage of net charge-offs (x) | 3.8049% | 3,061 |
| Efficiency ratio | 63.0899% | 5,858 |
| Assets per employee ($millions) | 4.4140% | 2,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5710% | 2,644 |
| Loan loss allowance to noncurrent loans | 38.4041% | 5,985 |
| Noncurrent assets plus other real estate owned to assets | 3.5725% | 1,490 |
| Noncurrent loans to loans | 4.0907% | 1,468 |
| Net loans and leases to total assets | 64.3043% | 4,931 |
| Net loans and leases to deposits | 82.3466% | 4,227 |
| Net loans and leases to core deposits | 98.1171% | 4,728 |
| Total domestic deposits to total assets | 78.0898% | 5,984 |
| Equity capital to assets | 10.7216% | 3,272 |
| Core capital (leverage) ratio | 7.9251% | 6,579 |
| Tier 1 risk-based capital ratio | 10.1203% | 6,788 |
| Total risk-based capital ratio | 11.3722% | 6,701 |
| Memoranda: | ||
| Average total assets | $478,738,000 | 1,492 |
| Average earning assets | $426,854,500 | 1,523 |
| Average equity | $51,457,000 | 1,333 |
| Average total loans | $321,387,000 | 1,563 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7326% | 1,922 |
| Cost of funding earning assets | 2.5510% | 3,952 |
| Net interest margin | 4.1816% | 2,386 |
| Noninterest income to average assets | 0.6806% | 3,242 |
| Noninterest expense to average assets | 2.7885% | 4,870 |
| Loan and lease loss provision to assets | 1.0569% | 1,378 |
| Net operating income to assets | 0.3260% | 5,461 |
| Return on assets (ROA) | 0.3332% | 5,249 |
| Pretax return on assets | 0.5695% | 4,782 |
| Return on Equity (ROE) | 2.9572% | 5,251 |
| Retained earnings to average equity (ytd only) | -3.4161% | 6,212 |
| Net charge-offs to loans | 1.2780% | 933 |
| Credit loss provision to net charge-offs | 115.1975% | 4,689 |
| Earnings coverage of net charge-offs (x) | 1.7604% | 5,194 |
| Efficiency ratio | 61.3358% | 6,102 |
| Assets per employee ($millions) | 4.3702% | 2,842 |
| Cash dividends to net income (ytd only)* | 215.5172% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4246% | 3,055 |
| Loan loss allowance to noncurrent loans | 26.9667% | 6,896 |
| Noncurrent assets plus other real estate owned to assets | 3.8102% | 1,116 |
| Noncurrent loans to loans | 5.2826% | 800 |
| Net loans and leases to total assets | 67.9694% | 4,471 |
| Net loans and leases to deposits | 87.3580% | 3,884 |
| Net loans and leases to core deposits | 103.0668% | 4,501 |
| Total domestic deposits to total assets | 77.8056% | 5,774 |
| Equity capital to assets | 10.7756% | 3,229 |
| Core capital (leverage) ratio | 7.9591% | 6,556 |
| Tier 1 risk-based capital ratio | 9.7504% | 7,018 |
| Total risk-based capital ratio | 11.0015% | 6,914 |
| Memoranda: | ||
| Average total assets | $452,529,200 | 1,516 |
| Average earning assets | $402,903,400 | 1,548 |
| Average equity | $50,994,200 | 1,325 |
| Average total loans | $324,879,000 | 1,498 |