Home > Rocky Mountain Bank > Performance and Condition Ratios
Rocky Mountain Bank, Performance and Condition Ratios
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2550% | 3,502 |
| Cost of funding earning assets | 0.1895% | 3,719 |
| Net interest margin | 3.0656% | 3,140 |
| Noninterest income to average assets | 0.5234% | 2,525 |
| Noninterest expense to average assets | 1.9966% | 3,682 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1117% | 2,508 |
| Return on assets (ROA) | 1.1117% | 2,563 |
| Pretax return on assets | 1.4236% | 2,239 |
| Return on Equity (ROE) | 11.1759% | 2,321 |
| Retained earnings to average equity (ytd only) | 10.3907% | 1,200 |
| Net charge-offs to loans | 0.1841% | 466 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 12.2803% | 1,961 |
| Efficiency ratio | 58.3775% | 3,211 |
| Assets per employee ($millions) | 9.5658% | 745 |
| Cash dividends to net income (ytd only)* | 7.0264% | 3,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9999% | 632 |
| Loan loss allowance to noncurrent loans | 9,687.2727% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0122% | 4,143 |
| Noncurrent loans to loans | 0.0206% | 4,049 |
| Net loans and leases to total assets | 58.0713% | 2,484 |
| Net loans and leases to deposits | 64.7700% | 2,759 |
| Net loans and leases to core deposits | 66.9285% | 2,865 |
| Total domestic deposits to total assets | 89.6577% | 938 |
| Equity capital to assets | 9.7597% | 3,140 |
| Core capital (leverage) ratio | 9.5665% | 2,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7281% | 1,417 |
| Memoranda: | ||
| Average total assets | $426,709,000 | 1,923 |
| Average earning assets | $403,223,250 | 1,907 |
| Average equity | $42,447,250 | 2,023 |
| Average total loans | $268,684,500 | 1,872 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3012% | 3,419 |
| Cost of funding earning assets | 0.1992% | 3,757 |
| Net interest margin | 3.1019% | 3,031 |
| Noninterest income to average assets | 0.5946% | 2,239 |
| Noninterest expense to average assets | 1.9815% | 3,758 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1993% | 2,193 |
| Return on assets (ROA) | 1.1993% | 2,264 |
| Pretax return on assets | 1.5410% | 1,902 |
| Return on Equity (ROE) | 11.9752% | 2,077 |
| Retained earnings to average equity (ytd only) | 11.9752% | 924 |
| Net charge-offs to loans | 0.2026% | 425 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 11.8278% | 1,745 |
| Efficiency ratio | 56.2525% | 3,513 |
| Assets per employee ($millions) | 8.7611% | 927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0256% | 578 |
| Loan loss allowance to noncurrent loans | 8,098.5075% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 4,181 |
| Noncurrent loans to loans | 0.0250% | 4,095 |
| Net loans and leases to total assets | 62.4083% | 2,132 |
| Net loans and leases to deposits | 70.0618% | 2,402 |
| Net loans and leases to core deposits | 72.4792% | 2,564 |
| Total domestic deposits to total assets | 89.0760% | 1,242 |
| Equity capital to assets | 10.2593% | 2,614 |
| Core capital (leverage) ratio | 9.9087% | 2,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6746% | 1,424 |
| Memoranda: | ||
| Average total assets | $419,081,333 | 1,942 |
| Average earning assets | $395,557,667 | 1,929 |
| Average equity | $41,970,000 | 2,035 |
| Average total loans | $269,442,000 | 1,878 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3536% | 3,333 |
| Cost of funding earning assets | 0.2127% | 3,800 |
| Net interest margin | 3.1409% | 2,869 |
| Noninterest income to average assets | 0.6722% | 1,952 |
| Noninterest expense to average assets | 1.9256% | 3,926 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3185% | 1,767 |
| Return on assets (ROA) | 1.3185% | 1,852 |
| Pretax return on assets | 1.7115% | 1,467 |
| Return on Equity (ROE) | 13.3291% | 1,585 |
| Retained earnings to average equity (ytd only) | 13.3291% | 854 |
| Net charge-offs to loans | 0.2043% | 401 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 12.9710% | 1,416 |
| Efficiency ratio | 52.9443% | 3,920 |
| Assets per employee ($millions) | 8.7583% | 899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0226% | 572 |
| Loan loss allowance to noncurrent loans | 8,177.9412% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0158% | 4,263 |
| Noncurrent loans to loans | 0.0247% | 4,167 |
| Net loans and leases to total assets | 62.7690% | 2,198 |
| Net loans and leases to deposits | 70.0411% | 2,500 |
| Net loans and leases to core deposits | 73.0653% | 2,606 |
| Total domestic deposits to total assets | 89.6173% | 1,010 |
| Equity capital to assets | 9.7878% | 2,911 |
| Core capital (leverage) ratio | 9.5357% | 3,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5960% | 1,407 |
| Memoranda: | ||
| Average total assets | $418,355,000 | 1,937 |
| Average earning assets | $394,914,500 | 1,919 |
| Average equity | $41,383,000 | 2,043 |
| Average total loans | $270,226,000 | 1,876 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0032% | 2,717 |
| Cost of funding earning assets | 0.4922% | 2,997 |
| Net interest margin | 3.5110% | 2,438 |
| Noninterest income to average assets | 0.4762% | 2,748 |
| Noninterest expense to average assets | 2.1231% | 3,887 |
| Loan and lease loss provision to assets | 1.2516% | 56 |
| Net operating income to assets | 0.2983% | 4,433 |
| Return on assets (ROA) | 0.2811% | 4,525 |
| Pretax return on assets | 0.3600% | 4,471 |
| Return on Equity (ROE) | 2.5726% | 4,464 |
| Retained earnings to average equity (ytd only) | 2.5726% | 3,562 |
| Net charge-offs to loans | 0.6710% | 224 |
| Credit loss provision to net charge-offs | 265.4357% | 1,867 |
| Earnings coverage of net charge-offs (x) | 3.4639% | 3,083 |
| Efficiency ratio | 56.2944% | 3,951 |
| Assets per employee ($millions) | 8.6713% | 840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1464% | 451 |
| Loan loss allowance to noncurrent loans | 5,699.0000% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0245% | 4,264 |
| Noncurrent loans to loans | 0.0377% | 4,155 |
| Net loans and leases to total assets | 63.7499% | 2,396 |
| Net loans and leases to deposits | 71.4595% | 2,740 |
| Net loans and leases to core deposits | 75.5420% | 2,767 |
| Total domestic deposits to total assets | 89.2112% | 891 |
| Equity capital to assets | 10.0014% | 3,132 |
| Core capital (leverage) ratio | 9.2563% | 3,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4962% | 1,401 |
| Memoranda: | ||
| Average total assets | $367,526,600 | 1,969 |
| Average earning assets | $343,377,000 | 1,962 |
| Average equity | $40,153,600 | 2,019 |
| Average total loans | $258,290,400 | 1,877 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0982% | 2,673 |
| Cost of funding earning assets | 0.5733% | 2,783 |
| Net interest margin | 3.5249% | 2,506 |
| Noninterest income to average assets | 0.4602% | 2,791 |
| Noninterest expense to average assets | 2.0929% | 3,967 |
| Loan and lease loss provision to assets | 1.4545% | 64 |
| Net operating income to assets | 0.1533% | 4,651 |
| Return on assets (ROA) | 0.1298% | 4,698 |
| Pretax return on assets | 0.1686% | 4,683 |
| Return on Equity (ROE) | 1.1599% | 4,682 |
| Retained earnings to average equity (ytd only) | 1.1599% | 4,197 |
| Net charge-offs to loans | 0.6971% | 199 |
| Credit loss provision to net charge-offs | 290.8277% | 1,798 |
| Earnings coverage of net charge-offs (x) | 3.3050% | 2,921 |
| Efficiency ratio | 55.5655% | 3,976 |
| Assets per employee ($millions) | 8.9297% | 708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0507% | 454 |
| Loan loss allowance to noncurrent loans | 3,717.9310% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.0353% | 4,277 |
| Noncurrent loans to loans | 0.0552% | 4,153 |
| Net loans and leases to total assets | 62.6861% | 2,920 |
| Net loans and leases to deposits | 69.7721% | 3,330 |
| Net loans and leases to core deposits | 73.9662% | 3,323 |
| Total domestic deposits to total assets | 89.8440% | 482 |
| Equity capital to assets | 9.7616% | 3,470 |
| Core capital (leverage) ratio | 9.4592% | 3,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6902% | 1,326 |
| Memoranda: | ||
| Average total assets | $357,520,250 | 1,992 |
| Average earning assets | $333,243,500 | 1,990 |
| Average equity | $40,001,750 | 2,018 |
| Average total loans | $256,484,750 | 1,883 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4301% | 2,127 |
| Cost of funding earning assets | 0.6461% | 2,721 |
| Net interest margin | 3.7840% | 1,877 |
| Noninterest income to average assets | 0.4927% | 2,606 |
| Noninterest expense to average assets | 2.1085% | 4,014 |
| Loan and lease loss provision to assets | 1.4127% | 96 |
| Net operating income to assets | 0.3844% | 4,264 |
| Return on assets (ROA) | 0.3844% | 4,325 |
| Pretax return on assets | 0.4915% | 4,265 |
| Return on Equity (ROE) | 3.2675% | 4,293 |
| Retained earnings to average equity (ytd only) | 3.2675% | 3,283 |
| Net charge-offs to loans | 0.8445% | 181 |
| Credit loss provision to net charge-offs | 223.4637% | 1,828 |
| Earnings coverage of net charge-offs (x) | 3.0121% | 2,714 |
| Efficiency ratio | 52.0904% | 4,349 |
| Assets per employee ($millions) | 8.1821% | 908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5048% | 1,247 |
| Loan loss allowance to noncurrent loans | 287.0856% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.4285% | 2,591 |
| Noncurrent loans to loans | 0.5242% | 2,592 |
| Net loans and leases to total assets | 70.7550% | 1,916 |
| Net loans and leases to deposits | 79.4418% | 2,497 |
| Net loans and leases to core deposits | 85.3113% | 2,494 |
| Total domestic deposits to total assets | 89.0652% | 719 |
| Equity capital to assets | 10.5091% | 2,738 |
| Core capital (leverage) ratio | 10.5738% | 2,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2314% | 1,435 |
| Memoranda: | ||
| Average total assets | $339,772,333 | 2,050 |
| Average earning assets | $316,064,333 | 2,046 |
| Average equity | $39,970,000 | 2,000 |
| Average total loans | $254,352,000 | 1,869 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8673% | 1,274 |
| Cost of funding earning assets | 0.7121% | 2,880 |
| Net interest margin | 4.1552% | 1,014 |
| Noninterest income to average assets | 0.5193% | 2,446 |
| Noninterest expense to average assets | 2.5975% | 2,987 |
| Loan and lease loss provision to assets | 1.2603% | 141 |
| Net operating income to assets | 0.3907% | 4,156 |
| Return on assets (ROA) | 0.3907% | 4,191 |
| Pretax return on assets | 0.5003% | 4,123 |
| Return on Equity (ROE) | 3.1197% | 4,188 |
| Retained earnings to average equity (ytd only) | 3.1197% | 3,031 |
| Net charge-offs to loans | 0.8168% | 182 |
| Credit loss provision to net charge-offs | 201.2072% | 1,413 |
| Earnings coverage of net charge-offs (x) | 2.8109% | 2,252 |
| Efficiency ratio | 58.7045% | 3,913 |
| Assets per employee ($millions) | 6.9485% | 1,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3476% | 1,924 |
| Loan loss allowance to noncurrent loans | 220.8609% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.5682% | 2,293 |
| Noncurrent loans to loans | 0.6102% | 2,460 |
| Net loans and leases to total assets | 76.3817% | 1,234 |
| Net loans and leases to deposits | 87.6575% | 1,785 |
| Net loans and leases to core deposits | 92.6855% | 2,098 |
| Total domestic deposits to total assets | 87.1365% | 1,499 |
| Equity capital to assets | 12.5093% | 1,721 |
| Core capital (leverage) ratio | 11.8176% | 1,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3004% | 1,528 |
| Memoranda: | ||
| Average total assets | $317,378,000 | 2,111 |
| Average earning assets | $293,222,500 | 2,117 |
| Average equity | $39,748,000 | 1,993 |
| Average total loans | $243,401,500 | 1,907 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0830% | 1,251 |
| Cost of funding earning assets | 0.7593% | 2,875 |
| Net interest margin | 4.3237% | 1,039 |
| Noninterest income to average assets | 0.4211% | 3,171 |
| Noninterest expense to average assets | 2.3275% | 3,881 |
| Loan and lease loss provision to assets | 0.7747% | 132 |
| Net operating income to assets | 1.0270% | 2,743 |
| Return on assets (ROA) | 1.0270% | 2,838 |
| Pretax return on assets | 1.2983% | 2,509 |
| Return on Equity (ROE) | 8.3976% | 2,992 |
| Retained earnings to average equity (ytd only) | 6.4263% | 1,648 |
| Net charge-offs to loans | 1.2270% | 128 |
| Credit loss provision to net charge-offs | 86.9722% | 2,693 |
| Earnings coverage of net charge-offs (x) | 2.3273% | 3,428 |
| Efficiency ratio | 51.5194% | 4,639 |
| Assets per employee ($millions) | 6.8505% | 1,105 |
| Cash dividends to net income (ytd only)* | 23.4742% | 3,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1833% | 2,522 |
| Loan loss allowance to noncurrent loans | 178.2253% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.6014% | 2,092 |
| Noncurrent loans to loans | 0.6639% | 2,227 |
| Net loans and leases to total assets | 75.0485% | 1,581 |
| Net loans and leases to deposits | 86.1686% | 2,071 |
| Net loans and leases to core deposits | 91.1813% | 2,304 |
| Total domestic deposits to total assets | 87.0949% | 1,558 |
| Equity capital to assets | 12.5386% | 1,796 |
| Core capital (leverage) ratio | 11.7541% | 1,920 |
| Tier 1 risk-based capital ratio | 15.4544% | 2,596 |
| Total risk-based capital ratio | 16.6298% | 2,556 |
| Memoranda: | ||
| Average total assets | $311,105,800 | 2,100 |
| Average earning assets | $286,329,000 | 2,107 |
| Average equity | $38,046,600 | 2,006 |
| Average total loans | $225,834,000 | 1,981 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0903% | 1,306 |
| Cost of funding earning assets | 0.7566% | 2,936 |
| Net interest margin | 4.3337% | 1,089 |
| Noninterest income to average assets | 0.3358% | 3,729 |
| Noninterest expense to average assets | 2.2633% | 4,042 |
| Loan and lease loss provision to assets | 0.7137% | 147 |
| Net operating income to assets | 1.0684% | 2,696 |
| Return on assets (ROA) | 1.0684% | 2,783 |
| Pretax return on assets | 1.3509% | 2,490 |
| Return on Equity (ROE) | 8.7931% | 2,960 |
| Retained earnings to average equity (ytd only) | 6.1392% | 2,308 |
| Net charge-offs to loans | 1.3419% | 102 |
| Credit loss provision to net charge-offs | 74.1402% | 2,575 |
| Earnings coverage of net charge-offs (x) | 2.1447% | 3,218 |
| Efficiency ratio | 50.8941% | 4,684 |
| Assets per employee ($millions) | 7.8952% | 721 |
| Cash dividends to net income (ytd only)* | 30.1812% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1354% | 2,849 |
| Loan loss allowance to noncurrent loans | 170.0716% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.5693% | 2,300 |
| Noncurrent loans to loans | 0.6676% | 2,283 |
| Net loans and leases to total assets | 70.3166% | 2,422 |
| Net loans and leases to deposits | 80.1649% | 2,879 |
| Net loans and leases to core deposits | 84.3438% | 3,066 |
| Total domestic deposits to total assets | 87.7150% | 1,160 |
| Equity capital to assets | 11.9888% | 2,267 |
| Core capital (leverage) ratio | 12.0085% | 1,844 |
| Tier 1 risk-based capital ratio | 15.9376% | 2,460 |
| Total risk-based capital ratio | 17.0802% | 2,438 |
| Memoranda: | ||
| Average total assets | $310,101,500 | 2,115 |
| Average earning assets | $285,661,000 | 2,128 |
| Average equity | $37,680,250 | 2,034 |
| Average total loans | $222,460,750 | 2,020 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1358% | 1,136 |
| Cost of funding earning assets | 0.7509% | 2,888 |
| Net interest margin | 4.3849% | 966 |
| Noninterest income to average assets | 0.2644% | 4,170 |
| Noninterest expense to average assets | 2.2313% | 4,168 |
| Loan and lease loss provision to assets | 0.7625% | 137 |
| Net operating income to assets | 1.0322% | 2,793 |
| Return on assets (ROA) | 1.0322% | 2,874 |
| Pretax return on assets | 1.3071% | 2,540 |
| Return on Equity (ROE) | 8.4548% | 3,089 |
| Retained earnings to average equity (ytd only) | 4.4338% | 3,049 |
| Net charge-offs to loans | 0.7868% | 180 |
| Credit loss provision to net charge-offs | 134.6821% | 1,620 |
| Earnings coverage of net charge-offs (x) | 3.6555% | 2,813 |
| Efficiency ratio | 50.4489% | 4,758 |
| Assets per employee ($millions) | 7.8412% | 706 |
| Cash dividends to net income (ytd only)* | 47.5587% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5316% | 1,181 |
| Loan loss allowance to noncurrent loans | 147.8206% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 0.8957% | 1,553 |
| Noncurrent loans to loans | 1.0362% | 1,580 |
| Net loans and leases to total assets | 75.3647% | 1,653 |
| Net loans and leases to deposits | 86.6737% | 2,178 |
| Net loans and leases to core deposits | 94.2445% | 2,226 |
| Total domestic deposits to total assets | 86.9522% | 1,615 |
| Equity capital to assets | 12.7155% | 1,736 |
| Core capital (leverage) ratio | 12.0717% | 1,780 |
| Tier 1 risk-based capital ratio | 15.8107% | 2,498 |
| Total risk-based capital ratio | 17.0644% | 2,427 |
| Memoranda: | ||
| Average total assets | $305,567,670 | 2,155 |
| Average earning assets | $281,280,670 | 2,159 |
| Average equity | $37,304,330 | 2,047 |
| Average total loans | $219,870,670 | 2,049 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0922% | 1,111 |
| Cost of funding earning assets | 0.6862% | 3,119 |
| Net interest margin | 4.4061% | 887 |
| Noninterest income to average assets | 0.2276% | 4,380 |
| Noninterest expense to average assets | 2.2213% | 4,210 |
| Loan and lease loss provision to assets | 0.7758% | 131 |
| Net operating income to assets | 1.0201% | 2,775 |
| Return on assets (ROA) | 1.0201% | 2,815 |
| Pretax return on assets | 1.2904% | 2,496 |
| Return on Equity (ROE) | 8.5268% | 3,029 |
| Retained earnings to average equity (ytd only) | 3.1233% | 3,690 |
| Net charge-offs to loans | 0.9454% | 153 |
| Credit loss provision to net charge-offs | 117.6471% | 1,428 |
| Earnings coverage of net charge-offs (x) | 3.1333% | 2,429 |
| Efficiency ratio | 50.3920% | 4,798 |
| Assets per employee ($millions) | 7.9158% | 688 |
| Cash dividends to net income (ytd only)* | 63.3714% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5046% | 1,327 |
| Loan loss allowance to noncurrent loans | 2,544.9612% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.1912% | 3,865 |
| Noncurrent loans to loans | 0.0591% | 4,494 |
| Net loans and leases to total assets | 71.4469% | 2,266 |
| Net loans and leases to deposits | 81.8963% | 2,614 |
| Net loans and leases to core deposits | 88.7839% | 2,612 |
| Total domestic deposits to total assets | 87.2407% | 1,693 |
| Equity capital to assets | 12.3607% | 1,814 |
| Core capital (leverage) ratio | 11.2969% | 2,293 |
| Tier 1 risk-based capital ratio | 16.0220% | 2,431 |
| Total risk-based capital ratio | 17.2753% | 2,375 |
| Memoranda: | ||
| Average total assets | $309,368,000 | 2,128 |
| Average earning assets | $285,061,000 | 2,143 |
| Average equity | $37,012,500 | 2,055 |
| Average total loans | $215,778,500 | 2,090 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9098% | 1,257 |
| Cost of funding earning assets | 0.4188% | 3,872 |
| Net interest margin | 4.4909% | 776 |
| Noninterest income to average assets | 0.2961% | 4,129 |
| Noninterest expense to average assets | 2.4437% | 3,761 |
| Loan and lease loss provision to assets | 0.6723% | 155 |
| Net operating income to assets | 1.0328% | 2,873 |
| Return on assets (ROA) | 1.0328% | 2,857 |
| Pretax return on assets | 1.3057% | 2,478 |
| Return on Equity (ROE) | 8.8489% | 3,067 |
| Retained earnings to average equity (ytd only) | 8.8489% | 923 |
| Net charge-offs to loans | 0.8009% | 190 |
| Credit loss provision to net charge-offs | 115.9794% | 2,236 |
| Earnings coverage of net charge-offs (x) | 3.4124% | 3,415 |
| Efficiency ratio | 53.8554% | 4,632 |
| Assets per employee ($millions) | 7.9484% | 670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4965% | 1,305 |
| Loan loss allowance to noncurrent loans | 928.1977% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.2205% | 3,722 |
| Noncurrent loans to loans | 0.1612% | 4,019 |
| Net loans and leases to total assets | 66.1041% | 3,117 |
| Net loans and leases to deposits | 75.0562% | 3,421 |
| Net loans and leases to core deposits | 82.5619% | 3,220 |
| Total domestic deposits to total assets | 88.0727% | 1,269 |
| Equity capital to assets | 11.5885% | 2,186 |
| Core capital (leverage) ratio | 10.9960% | 2,532 |
| Tier 1 risk-based capital ratio | 16.1748% | 2,352 |
| Total risk-based capital ratio | 17.4277% | 2,294 |
| Memoranda: | ||
| Average total assets | $301,221,400 | 2,147 |
| Average earning assets | $276,712,400 | 2,155 |
| Average equity | $35,156,800 | 2,065 |
| Average total loans | $217,992,400 | 2,039 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8722% | 1,231 |
| Cost of funding earning assets | 0.3872% | 3,957 |
| Net interest margin | 4.4850% | 763 |
| Noninterest income to average assets | 0.3043% | 4,111 |
| Noninterest expense to average assets | 2.5037% | 3,589 |
| Loan and lease loss provision to assets | 0.6733% | 148 |
| Net operating income to assets | 0.9812% | 3,172 |
| Return on assets (ROA) | 0.9812% | 3,181 |
| Pretax return on assets | 1.2397% | 2,845 |
| Return on Equity (ROE) | 8.3909% | 3,385 |
| Retained earnings to average equity (ytd only) | 8.3909% | 1,477 |
| Net charge-offs to loans | 0.8402% | 170 |
| Credit loss provision to net charge-offs | 108.6169% | 2,131 |
| Earnings coverage of net charge-offs (x) | 3.0862% | 3,193 |
| Efficiency ratio | 55.2541% | 4,483 |
| Assets per employee ($millions) | 7.4097% | 803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4071% | 1,668 |
| Loan loss allowance to noncurrent loans | 1,232.9268% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.1971% | 3,962 |
| Noncurrent loans to loans | 0.1141% | 4,378 |
| Net loans and leases to total assets | 66.6976% | 3,100 |
| Net loans and leases to deposits | 75.4066% | 3,466 |
| Net loans and leases to core deposits | 82.8874% | 3,262 |
| Total domestic deposits to total assets | 88.4507% | 1,066 |
| Equity capital to assets | 11.2364% | 2,441 |
| Core capital (leverage) ratio | 11.2037% | 2,410 |
| Tier 1 risk-based capital ratio | 15.6880% | 2,571 |
| Total risk-based capital ratio | 16.9398% | 2,510 |
| Memoranda: | ||
| Average total assets | $297,043,000 | 2,182 |
| Average earning assets | $272,367,500 | 2,189 |
| Average equity | $34,735,000 | 2,088 |
| Average total loans | $219,150,250 | 2,041 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9266% | 962 |
| Cost of funding earning assets | 0.3493% | 4,079 |
| Net interest margin | 4.5773% | 586 |
| Noninterest income to average assets | 0.2960% | 4,202 |
| Noninterest expense to average assets | 2.5813% | 3,381 |
| Loan and lease loss provision to assets | 0.6728% | 148 |
| Net operating income to assets | 0.9708% | 3,141 |
| Return on assets (ROA) | 0.9708% | 3,143 |
| Pretax return on assets | 1.2289% | 2,831 |
| Return on Equity (ROE) | 8.1851% | 3,424 |
| Retained earnings to average equity (ytd only) | 8.1851% | 1,541 |
| Net charge-offs to loans | 0.8105% | 167 |
| Credit loss provision to net charge-offs | 109.1825% | 1,902 |
| Earnings coverage of net charge-offs (x) | 3.0862% | 2,912 |
| Efficiency ratio | 56.1336% | 4,461 |
| Assets per employee ($millions) | 6.8455% | 996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3836% | 1,810 |
| Loan loss allowance to noncurrent loans | 1,343.4978% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.2144% | 3,923 |
| Noncurrent loans to loans | 0.1030% | 4,452 |
| Net loans and leases to total assets | 72.5457% | 2,188 |
| Net loans and leases to deposits | 82.6517% | 2,698 |
| Net loans and leases to core deposits | 90.4694% | 2,531 |
| Total domestic deposits to total assets | 87.7727% | 1,489 |
| Equity capital to assets | 11.9107% | 1,918 |
| Core capital (leverage) ratio | 11.5965% | 1,984 |
| Tier 1 risk-based capital ratio | 15.4364% | 2,669 |
| Total risk-based capital ratio | 16.6886% | 2,596 |
| Memoranda: | ||
| Average total assets | $289,851,670 | 2,231 |
| Average earning assets | $265,132,330 | 2,250 |
| Average equity | $34,379,670 | 2,112 |
| Average total loans | $220,352,670 | 2,028 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9406% | 797 |
| Cost of funding earning assets | 0.3240% | 4,180 |
| Net interest margin | 4.6166% | 482 |
| Noninterest income to average assets | 0.3032% | 4,132 |
| Noninterest expense to average assets | 2.5897% | 3,366 |
| Loan and lease loss provision to assets | 0.7302% | 130 |
| Net operating income to assets | 0.9513% | 3,070 |
| Return on assets (ROA) | 0.9513% | 3,089 |
| Pretax return on assets | 1.2045% | 2,732 |
| Return on Equity (ROE) | 8.0377% | 3,347 |
| Retained earnings to average equity (ytd only) | 8.0377% | 1,818 |
| Net charge-offs to loans | 0.7307% | 205 |
| Credit loss provision to net charge-offs | 129.3103% | 1,341 |
| Earnings coverage of net charge-offs (x) | 3.4261% | 2,390 |
| Efficiency ratio | 55.7947% | 4,610 |
| Assets per employee ($millions) | 6.5749% | 1,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3454% | 2,038 |
| Loan loss allowance to noncurrent loans | 859.2068% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.2780% | 3,750 |
| Noncurrent loans to loans | 0.1566% | 4,281 |
| Net loans and leases to total assets | 78.6645% | 1,132 |
| Net loans and leases to deposits | 89.9448% | 1,701 |
| Net loans and leases to core deposits | 98.9927% | 1,764 |
| Total domestic deposits to total assets | 87.4587% | 1,922 |
| Equity capital to assets | 12.1569% | 1,682 |
| Core capital (leverage) ratio | 11.2802% | 2,183 |
| Tier 1 risk-based capital ratio | 14.6884% | 3,033 |
| Total risk-based capital ratio | 15.9400% | 2,944 |
| Memoranda: | ||
| Average total assets | $287,598,500 | 2,261 |
| Average earning assets | $262,965,500 | 2,280 |
| Average equity | $34,039,500 | 2,140 |
| Average total loans | $222,259,000 | 2,019 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5305% | 1,614 |
| Cost of funding earning assets | 0.3700% | 3,517 |
| Net interest margin | 4.1604% | 1,276 |
| Noninterest income to average assets | 0.3232% | 4,156 |
| Noninterest expense to average assets | 2.5381% | 3,648 |
| Loan and lease loss provision to assets | 0.4126% | 350 |
| Net operating income to assets | 0.9741% | 2,350 |
| Return on assets (ROA) | 0.9741% | 2,394 |
| Pretax return on assets | 1.1603% | 2,940 |
| Return on Equity (ROE) | 8.2952% | 2,650 |
| Retained earnings to average equity (ytd only) | -0.7636% | 5,156 |
| Net charge-offs to loans | 0.2928% | 894 |
| Credit loss provision to net charge-offs | 196.4286% | 1,391 |
| Earnings coverage of net charge-offs (x) | 7.4886% | 3,034 |
| Efficiency ratio | 60.1808% | 4,235 |
| Assets per employee ($millions) | 6.6472% | 1,127 |
| Cash dividends to net income (ytd only)* | 109.2055% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3301% | 2,073 |
| Loan loss allowance to noncurrent loans | 925.0794% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.2759% | 3,786 |
| Noncurrent loans to loans | 0.1438% | 4,351 |
| Net loans and leases to total assets | 73.9103% | 1,934 |
| Net loans and leases to deposits | 83.8860% | 2,502 |
| Net loans and leases to core deposits | 94.6901% | 2,136 |
| Total domestic deposits to total assets | 88.1081% | 1,437 |
| Equity capital to assets | 11.5254% | 2,186 |
| Core capital (leverage) ratio | 10.5476% | 2,788 |
| Tier 1 risk-based capital ratio | 14.3509% | 3,169 |
| Total risk-based capital ratio | 15.6020% | 3,076 |
| Memoranda: | ||
| Average total assets | $293,295,400 | 2,203 |
| Average earning assets | $267,015,200 | 2,230 |
| Average equity | $34,441,600 | 2,110 |
| Average total loans | $210,353,800 | 2,074 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4662% | 1,740 |
| Cost of funding earning assets | 0.3753% | 3,418 |
| Net interest margin | 4.0909% | 1,416 |
| Noninterest income to average assets | 0.3366% | 4,123 |
| Noninterest expense to average assets | 2.4349% | 3,930 |
| Loan and lease loss provision to assets | 0.4906% | 241 |
| Net operating income to assets | 1.2924% | 1,363 |
| Return on assets (ROA) | 1.2924% | 1,396 |
| Pretax return on assets | 1.1298% | 3,186 |
| Return on Equity (ROE) | 10.9553% | 1,719 |
| Retained earnings to average equity (ytd only) | 5.4873% | 2,549 |
| Net charge-offs to loans | 0.1857% | 1,129 |
| Credit loss provision to net charge-offs | 372.4138% | 824 |
| Earnings coverage of net charge-offs (x) | 12.2999% | 2,437 |
| Efficiency ratio | 58.4631% | 4,438 |
| Assets per employee ($millions) | 7.4193% | 787 |
| Cash dividends to net income (ytd only)* | 49.9122% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5007% | 1,531 |
| Loan loss allowance to noncurrent loans | 1,413.6364% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.2232% | 4,172 |
| Noncurrent loans to loans | 0.1062% | 4,635 |
| Net loans and leases to total assets | 63.9825% | 3,399 |
| Net loans and leases to deposits | 77.7781% | 3,190 |
| Net loans and leases to core deposits | 87.9894% | 2,771 |
| Total domestic deposits to total assets | 82.2629% | 3,696 |
| Equity capital to assets | 11.1055% | 2,761 |
| Core capital (leverage) ratio | 11.1830% | 2,292 |
| Tier 1 risk-based capital ratio | 15.9574% | 2,527 |
| Total risk-based capital ratio | 17.2103% | 2,460 |
| Memoranda: | ||
| Average total assets | $293,500,250 | 2,220 |
| Average earning assets | $266,796,250 | 2,243 |
| Average equity | $34,624,750 | 2,116 |
| Average total loans | $208,171,250 | 2,098 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5525% | 1,387 |
| Cost of funding earning assets | 0.3807% | 3,283 |
| Net interest margin | 4.1718% | 1,143 |
| Noninterest income to average assets | 0.3453% | 4,080 |
| Noninterest expense to average assets | 2.4808% | 3,810 |
| Loan and lease loss provision to assets | 0.5053% | 233 |
| Net operating income to assets | 1.5944% | 721 |
| Return on assets (ROA) | 1.5944% | 738 |
| Pretax return on assets | 1.1355% | 3,029 |
| Return on Equity (ROE) | 13.2261% | 972 |
| Retained earnings to average equity (ytd only) | 4.9598% | 2,738 |
| Net charge-offs to loans | 0.0556% | 2,138 |
| Credit loss provision to net charge-offs | 1,241.3793% | 328 |
| Earnings coverage of net charge-offs (x) | 40.3103% | 1,245 |
| Efficiency ratio | 58.5902% | 4,519 |
| Assets per employee ($millions) | 6.4603% | 1,181 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3959% | 1,966 |
| Loan loss allowance to noncurrent loans | 1,577.7778% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.2250% | 4,252 |
| Noncurrent loans to loans | 0.0885% | 4,776 |
| Net loans and leases to total assets | 72.4548% | 2,130 |
| Net loans and leases to deposits | 89.7129% | 1,772 |
| Net loans and leases to core deposits | 103.2549% | 1,417 |
| Total domestic deposits to total assets | 80.7629% | 4,245 |
| Equity capital to assets | 11.9973% | 1,929 |
| Core capital (leverage) ratio | 11.3852% | 2,058 |
| Tier 1 risk-based capital ratio | 15.4580% | 2,722 |
| Total risk-based capital ratio | 16.7102% | 2,658 |
| Memoranda: | ||
| Average total assets | $284,990,000 | 2,278 |
| Average earning assets | $257,968,330 | 2,316 |
| Average equity | $34,356,330 | 2,123 |
| Average total loans | $208,483,670 | 2,098 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4574% | 1,476 |
| Cost of funding earning assets | 0.3769% | 3,232 |
| Net interest margin | 4.0804% | 1,268 |
| Noninterest income to average assets | 0.3148% | 4,298 |
| Noninterest expense to average assets | 2.5081% | 3,784 |
| Loan and lease loss provision to assets | 0.5104% | 195 |
| Net operating income to assets | 2.3535% | 176 |
| Return on assets (ROA) | 2.3535% | 177 |
| Pretax return on assets | 0.9797% | 3,456 |
| Return on Equity (ROE) | 19.4747% | 253 |
| Retained earnings to average equity (ytd only) | 2.8156% | 4,002 |
| Net charge-offs to loans | 0.0466% | 1,916 |
| Credit loss provision to net charge-offs | 1,500.0000% | 215 |
| Earnings coverage of net charge-offs (x) | 43.7917% | 970 |
| Efficiency ratio | 61.0638% | 4,309 |
| Assets per employee ($millions) | 6.6221% | 1,122 |
| Cash dividends to net income (ytd only)* | 85.5422% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2441% | 2,867 |
| Loan loss allowance to noncurrent loans | 1,660.0000% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.2195% | 4,343 |
| Noncurrent loans to loans | 0.0749% | 4,902 |
| Net loans and leases to total assets | 74.0384% | 1,730 |
| Net loans and leases to deposits | 91.9164% | 1,339 |
| Net loans and leases to core deposits | 105.9422% | 1,102 |
| Total domestic deposits to total assets | 80.5497% | 4,513 |
| Equity capital to assets | 12.0200% | 1,818 |
| Core capital (leverage) ratio | 11.3880% | 2,034 |
| Tier 1 risk-based capital ratio | 15.6136% | 2,707 |
| Total risk-based capital ratio | 16.8643% | 2,644 |
| Memoranda: | ||
| Average total assets | $282,127,500 | 2,312 |
| Average earning assets | $254,678,500 | 2,360 |
| Average equity | $34,095,500 | 2,143 |
| Average total loans | $205,916,000 | 2,131 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0538% | 3,009 |
| Cost of funding earning assets | 0.3462% | 3,565 |
| Net interest margin | 3.7076% | 2,662 |
| Noninterest income to average assets | 0.2711% | 4,792 |
| Noninterest expense to average assets | 2.4534% | 4,155 |
| Loan and lease loss provision to assets | 0.1111% | 2,212 |
| Net operating income to assets | 1.0654% | 2,062 |
| Return on assets (ROA) | 1.0654% | 2,168 |
| Pretax return on assets | 1.0654% | 3,239 |
| Return on Equity (ROE) | 9.4467% | 2,210 |
| Retained earnings to average equity (ytd only) | 5.4411% | 2,054 |
| Net charge-offs to loans | 0.0218% | 3,611 |
| Credit loss provision to net charge-offs | 719.5122% | 501 |
| Earnings coverage of net charge-offs (x) | 76.2195% | 742 |
| Efficiency ratio | 65.6399% | 3,652 |
| Assets per employee ($millions) | 6.6549% | 1,074 |
| Cash dividends to net income (ytd only)* | 42.4028% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1696% | 3,310 |
| Loan loss allowance to noncurrent loans | 1,348.8372% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.2279% | 4,397 |
| Noncurrent loans to loans | 0.0867% | 4,895 |
| Net loans and leases to total assets | 70.1353% | 2,445 |
| Net loans and leases to deposits | 87.2424% | 2,019 |
| Net loans and leases to core deposits | 100.9221% | 1,549 |
| Total domestic deposits to total assets | 80.3913% | 4,482 |
| Equity capital to assets | 12.1515% | 1,705 |
| Core capital (leverage) ratio | 11.3393% | 2,047 |
| Tier 1 risk-based capital ratio | 16.5187% | 2,344 |
| Total risk-based capital ratio | 17.7361% | 2,294 |
| Memoranda: | ||
| Average total assets | $265,631,800 | 2,392 |
| Average earning assets | $240,640,600 | 2,426 |
| Average equity | $29,957,400 | 2,350 |
| Average total loans | $188,305,600 | 2,224 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1224% | 2,792 |
| Cost of funding earning assets | 0.3345% | 3,723 |
| Net interest margin | 3.7879% | 2,374 |
| Noninterest income to average assets | 0.2843% | 4,735 |
| Noninterest expense to average assets | 2.4605% | 4,106 |
| Loan and lease loss provision to assets | 0.1119% | 2,058 |
| Net operating income to assets | 1.1560% | 1,782 |
| Return on assets (ROA) | 1.1560% | 1,882 |
| Pretax return on assets | 1.1560% | 3,021 |
| Return on Equity (ROE) | 10.4663% | 1,881 |
| Retained earnings to average equity (ytd only) | 4.9407% | 2,868 |
| Net charge-offs to loans | 0.0294% | 3,070 |
| Credit loss provision to net charge-offs | 536.5854% | 666 |
| Earnings coverage of net charge-offs (x) | 60.7997% | 944 |
| Efficiency ratio | 64.0704% | 3,922 |
| Assets per employee ($millions) | 6.5246% | 1,087 |
| Cash dividends to net income (ytd only)* | 52.7937% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2180% | 3,130 |
| Loan loss allowance to noncurrent loans | 1,290.2299% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.2337% | 4,510 |
| Noncurrent loans to loans | 0.0944% | 4,967 |
| Net loans and leases to total assets | 63.4232% | 3,469 |
| Net loans and leases to deposits | 77.0858% | 3,277 |
| Net loans and leases to core deposits | 88.0807% | 2,751 |
| Total domestic deposits to total assets | 82.2761% | 3,850 |
| Equity capital to assets | 10.3668% | 3,725 |
| Core capital (leverage) ratio | 9.9595% | 3,620 |
| Tier 1 risk-based capital ratio | 15.6221% | 2,781 |
| Total risk-based capital ratio | 16.8728% | 2,711 |
| Memoranda: | ||
| Average total assets | $262,163,750 | 2,422 |
| Average earning assets | $238,367,000 | 2,448 |
| Average equity | $28,955,750 | 2,459 |
| Average total loans | $185,794,250 | 2,258 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3242% | 2,079 |
| Cost of funding earning assets | 0.3267% | 3,828 |
| Net interest margin | 3.9975% | 1,652 |
| Noninterest income to average assets | 0.2757% | 4,810 |
| Noninterest expense to average assets | 2.5298% | 3,949 |
| Loan and lease loss provision to assets | 0.1339% | 1,704 |
| Net operating income to assets | 1.2369% | 1,475 |
| Return on assets (ROA) | 1.2369% | 1,573 |
| Pretax return on assets | 1.2369% | 2,645 |
| Return on Equity (ROE) | 10.9456% | 1,669 |
| Retained earnings to average equity (ytd only) | 2.5795% | 4,246 |
| Net charge-offs to loans | 0.0440% | 2,589 |
| Credit loss provision to net charge-offs | 414.6341% | 759 |
| Earnings coverage of net charge-offs (x) | 42.4390% | 1,116 |
| Efficiency ratio | 62.9570% | 4,186 |
| Assets per employee ($millions) | 6.5101% | 1,079 |
| Cash dividends to net income (ytd only)* | 76.4331% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1704% | 3,524 |
| Loan loss allowance to noncurrent loans | 190.8696% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 0.6448% | 3,065 |
| Noncurrent loans to loans | 0.6132% | 3,230 |
| Net loans and leases to total assets | 71.1780% | 2,304 |
| Net loans and leases to deposits | 88.2078% | 1,966 |
| Net loans and leases to core deposits | 98.2815% | 1,782 |
| Total domestic deposits to total assets | 80.6935% | 4,364 |
| Equity capital to assets | 11.1691% | 2,882 |
| Core capital (leverage) ratio | 10.4345% | 3,037 |
| Tier 1 risk-based capital ratio | 14.9355% | 3,101 |
| Total risk-based capital ratio | 16.1768% | 3,051 |
| Memoranda: | ||
| Average total assets | $253,858,000 | 2,499 |
| Average earning assets | $230,195,330 | 2,537 |
| Average equity | $28,687,330 | 2,481 |
| Average total loans | $186,285,330 | 2,248 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4366% | 1,694 |
| Cost of funding earning assets | 0.3033% | 4,125 |
| Net interest margin | 4.1333% | 1,251 |
| Noninterest income to average assets | 0.3288% | 4,377 |
| Noninterest expense to average assets | 2.6306% | 3,656 |
| Loan and lease loss provision to assets | 0.1676% | 1,233 |
| Net operating income to assets | 1.2722% | 1,329 |
| Return on assets (ROA) | 1.2722% | 1,426 |
| Pretax return on assets | 1.2722% | 2,412 |
| Return on Equity (ROE) | 11.1905% | 1,537 |
| Retained earnings to average equity (ytd only) | -5.6584% | 5,636 |
| Net charge-offs to loans | -0.0043% | 4,248 |
| Credit loss provision to net charge-offs | -5,250.0000% | 5,020 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7843% | 4,330 |
| Assets per employee ($millions) | 5.8775% | 1,506 |
| Cash dividends to net income (ytd only)* | 150.5646% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1447% | 3,803 |
| Loan loss allowance to noncurrent loans | 4,723.9130% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.2319% | 4,632 |
| Noncurrent loans to loans | 0.0242% | 5,400 |
| Net loans and leases to total assets | 74.2515% | 1,693 |
| Net loans and leases to deposits | 92.3555% | 1,298 |
| Net loans and leases to core deposits | 103.5337% | 1,218 |
| Total domestic deposits to total assets | 80.3975% | 4,661 |
| Equity capital to assets | 11.1992% | 2,728 |
| Core capital (leverage) ratio | 10.2188% | 3,294 |
| Tier 1 risk-based capital ratio | 14.3612% | 3,465 |
| Total risk-based capital ratio | 15.5797% | 3,405 |
| Memoranda: | ||
| Average total assets | $250,584,500 | 2,536 |
| Average earning assets | $226,842,000 | 2,575 |
| Average equity | $28,488,500 | 2,482 |
| Average total loans | $185,655,000 | 2,257 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1903% | 2,592 |
| Cost of funding earning assets | 0.3354% | 3,841 |
| Net interest margin | 3.8549% | 2,185 |
| Noninterest income to average assets | 0.3672% | 4,278 |
| Noninterest expense to average assets | 2.5772% | 4,000 |
| Loan and lease loss provision to assets | 0.1546% | 1,518 |
| Net operating income to assets | 1.0839% | 1,993 |
| Return on assets (ROA) | 1.0685% | 2,126 |
| Pretax return on assets | 1.0685% | 3,194 |
| Return on Equity (ROE) | 9.5037% | 2,217 |
| Retained earnings to average equity (ytd only) | 9.5037% | 534 |
| Net charge-offs to loans | 0.0018% | 4,414 |
| Credit loss provision to net charge-offs | 12,433.3333% | 25 |
| Earnings coverage of net charge-offs (x) | 996.0000% | 58 |
| Efficiency ratio | 65.5008% | 3,986 |
| Assets per employee ($millions) | 5.9151% | 1,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1384% | 3,813 |
| Loan loss allowance to noncurrent loans | 4,395.7447% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.2403% | 4,636 |
| Noncurrent loans to loans | 0.0259% | 5,410 |
| Net loans and leases to total assets | 72.2170% | 2,013 |
| Net loans and leases to deposits | 90.4003% | 1,563 |
| Net loans and leases to core deposits | 100.7587% | 1,457 |
| Total domestic deposits to total assets | 79.8858% | 4,771 |
| Equity capital to assets | 11.5414% | 2,324 |
| Core capital (leverage) ratio | 10.5574% | 2,875 |
| Tier 1 risk-based capital ratio | 15.1731% | 3,093 |
| Total risk-based capital ratio | 16.3723% | 3,054 |
| Memoranda: | ||
| Average total assets | $241,265,800 | 2,569 |
| Average earning assets | $215,830,400 | 2,626 |
| Average equity | $27,126,200 | 2,534 |
| Average total loans | $167,397,000 | 2,378 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1419% | 2,774 |
| Cost of funding earning assets | 0.3407% | 3,851 |
| Net interest margin | 3.8011% | 2,378 |
| Noninterest income to average assets | 0.2015% | 5,434 |
| Noninterest expense to average assets | 2.5878% | 3,921 |
| Loan and lease loss provision to assets | 0.1297% | 1,739 |
| Net operating income to assets | 0.8752% | 3,062 |
| Return on assets (ROA) | 0.8546% | 3,240 |
| Pretax return on assets | 0.8546% | 4,158 |
| Return on Equity (ROE) | 7.6539% | 3,252 |
| Retained earnings to average equity (ytd only) | 7.6539% | 1,389 |
| Net charge-offs to loans | 0.0033% | 4,073 |
| Credit loss provision to net charge-offs | 5,825.0000% | 66 |
| Earnings coverage of net charge-offs (x) | 451.5216% | 162 |
| Efficiency ratio | 69.8435% | 3,231 |
| Assets per employee ($millions) | 6.6381% | 1,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0947% | 4,258 |
| Loan loss allowance to noncurrent loans | 4,010.4167% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.4577% | 3,965 |
| Noncurrent loans to loans | 0.0273% | 5,522 |
| Net loans and leases to total assets | 67.1827% | 2,825 |
| Net loans and leases to deposits | 82.9823% | 2,529 |
| Net loans and leases to core deposits | 91.9392% | 2,273 |
| Total domestic deposits to total assets | 80.9603% | 4,487 |
| Equity capital to assets | 10.6920% | 3,366 |
| Core capital (leverage) ratio | 10.2140% | 3,358 |
| Tier 1 risk-based capital ratio | 14.9050% | 3,342 |
| Total risk-based capital ratio | 16.0490% | 3,337 |
| Memoranda: | ||
| Average total assets | $239,473,250 | 2,594 |
| Average earning assets | $213,650,000 | 2,662 |
| Average equity | $26,739,500 | 2,586 |
| Average total loans | $163,876,500 | 2,435 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1614% | 2,676 |
| Cost of funding earning assets | 0.3509% | 3,799 |
| Net interest margin | 3.8105% | 2,271 |
| Noninterest income to average assets | 0.1657% | 5,708 |
| Noninterest expense to average assets | 2.6807% | 3,651 |
| Loan and lease loss provision to assets | 0.1571% | 1,357 |
| Net operating income to assets | 0.7116% | 3,834 |
| Return on assets (ROA) | 0.7116% | 3,959 |
| Pretax return on assets | 0.7116% | 4,621 |
| Return on Equity (ROE) | 6.2741% | 4,002 |
| Retained earnings to average equity (ytd only) | 6.2741% | 2,076 |
| Net charge-offs to loans | 0.0013% | 3,863 |
| Credit loss provision to net charge-offs | 18,300.0000% | 26 |
| Earnings coverage of net charge-offs (x) | 1,012.0000% | 56 |
| Efficiency ratio | 73.2527% | 2,791 |
| Assets per employee ($millions) | 6.2857% | 1,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1027% | 4,307 |
| Loan loss allowance to noncurrent loans | 3,834.6939% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.6160% | 3,566 |
| Noncurrent loans to loans | 0.0288% | 5,642 |
| Net loans and leases to total assets | 68.7421% | 2,525 |
| Net loans and leases to deposits | 85.7395% | 2,079 |
| Net loans and leases to core deposits | 98.8886% | 1,578 |
| Total domestic deposits to total assets | 80.1755% | 4,823 |
| Equity capital to assets | 10.9737% | 2,914 |
| Core capital (leverage) ratio | 10.3287% | 3,177 |
| Tier 1 risk-based capital ratio | 15.1122% | 3,293 |
| Total risk-based capital ratio | 16.2800% | 3,272 |
| Memoranda: | ||
| Average total assets | $233,002,670 | 2,677 |
| Average earning assets | $206,902,670 | 2,741 |
| Average equity | $26,426,000 | 2,624 |
| Average total loans | $159,885,000 | 2,484 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1432% | 2,658 |
| Cost of funding earning assets | 0.3431% | 3,951 |
| Net interest margin | 3.8001% | 2,231 |
| Noninterest income to average assets | 0.2062% | 5,479 |
| Noninterest expense to average assets | 2.9031% | 2,897 |
| Loan and lease loss provision to assets | 0.0846% | 2,284 |
| Net operating income to assets | 0.5764% | 4,381 |
| Return on assets (ROA) | 0.5764% | 4,484 |
| Pretax return on assets | 0.5764% | 4,980 |
| Return on Equity (ROE) | 4.9946% | 4,526 |
| Retained earnings to average equity (ytd only) | 4.9946% | 3,054 |
| Net charge-offs to loans | 0.0052% | 3,140 |
| Credit loss provision to net charge-offs | 2,400.0000% | 174 |
| Earnings coverage of net charge-offs (x) | 187.5000% | 301 |
| Efficiency ratio | 79.1296% | 2,013 |
| Assets per employee ($millions) | 6.0419% | 1,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1111% | 4,453 |
| Loan loss allowance to noncurrent loans | 2,355.4054% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.6883% | 3,427 |
| Noncurrent loans to loans | 0.0472% | 5,595 |
| Net loans and leases to total assets | 65.8350% | 2,807 |
| Net loans and leases to deposits | 82.7533% | 2,239 |
| Net loans and leases to core deposits | 93.2367% | 1,831 |
| Total domestic deposits to total assets | 79.5558% | 5,157 |
| Equity capital to assets | 11.2292% | 2,723 |
| Core capital (leverage) ratio | 10.3769% | 3,125 |
| Tier 1 risk-based capital ratio | 16.0038% | 2,920 |
| Total risk-based capital ratio | 17.1754% | 2,900 |
| Memoranda: | ||
| Average total assets | $226,933,500 | 2,748 |
| Average earning assets | $200,521,500 | 2,833 |
| Average equity | $26,188,500 | 2,659 |
| Average total loans | $154,630,500 | 2,557 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3610% | 2,369 |
| Cost of funding earning assets | 0.4070% | 3,614 |
| Net interest margin | 3.9540% | 2,034 |
| Noninterest income to average assets | 0.5947% | 2,888 |
| Noninterest expense to average assets | 2.7787% | 3,564 |
| Loan and lease loss provision to assets | 0.1253% | 2,087 |
| Net operating income to assets | 1.1474% | 1,786 |
| Return on assets (ROA) | 1.1474% | 1,850 |
| Pretax return on assets | 1.1474% | 2,883 |
| Return on Equity (ROE) | 9.7936% | 2,202 |
| Retained earnings to average equity (ytd only) | 9.7936% | 550 |
| Net charge-offs to loans | 0.0331% | 4,170 |
| Credit loss provision to net charge-offs | 570.2128% | 470 |
| Earnings coverage of net charge-offs (x) | 57.9149% | 815 |
| Efficiency ratio | 66.4166% | 4,173 |
| Assets per employee ($millions) | 5.7429% | 1,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1130% | 4,477 |
| Loan loss allowance to noncurrent loans | 270.4944% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.7345% | 3,369 |
| Noncurrent loans to loans | 0.4115% | 4,406 |
| Net loans and leases to total assets | 69.0511% | 2,386 |
| Net loans and leases to deposits | 88.4290% | 1,685 |
| Net loans and leases to core deposits | 101.7412% | 1,264 |
| Total domestic deposits to total assets | 78.0865% | 5,424 |
| Equity capital to assets | 11.8759% | 2,107 |
| Core capital (leverage) ratio | 10.5967% | 2,841 |
| Tier 1 risk-based capital ratio | 16.0410% | 2,943 |
| Total risk-based capital ratio | 17.2369% | 2,909 |
| Memoranda: | ||
| Average total assets | $213,879,200 | 2,845 |
| Average earning assets | $186,976,800 | 2,949 |
| Average equity | $25,057,200 | 2,654 |
| Average total loans | $142,191,200 | 2,682 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3159% | 2,559 |
| Cost of funding earning assets | 0.4186% | 3,593 |
| Net interest margin | 3.8973% | 2,255 |
| Noninterest income to average assets | 0.8196% | 1,816 |
| Noninterest expense to average assets | 2.7964% | 3,472 |
| Loan and lease loss provision to assets | 0.1366% | 1,830 |
| Net operating income to assets | 1.2876% | 1,405 |
| Return on assets (ROA) | 1.2876% | 1,459 |
| Pretax return on assets | 1.2876% | 2,426 |
| Return on Equity (ROE) | 11.0293% | 1,780 |
| Retained earnings to average equity (ytd only) | 11.0293% | 509 |
| Net charge-offs to loans | 0.0353% | 3,783 |
| Credit loss provision to net charge-offs | 589.1892% | 503 |
| Earnings coverage of net charge-offs (x) | 61.4350% | 850 |
| Efficiency ratio | 64.1627% | 4,514 |
| Assets per employee ($millions) | 5.5987% | 1,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0988% | 4,754 |
| Loan loss allowance to noncurrent loans | 263.6943% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.8079% | 3,403 |
| Noncurrent loans to loans | 0.4167% | 4,659 |
| Net loans and leases to total assets | 68.2655% | 2,488 |
| Net loans and leases to deposits | 87.2622% | 1,757 |
| Net loans and leases to core deposits | 100.2212% | 1,347 |
| Total domestic deposits to total assets | 78.2303% | 5,480 |
| Equity capital to assets | 11.6735% | 2,342 |
| Core capital (leverage) ratio | 10.6085% | 2,915 |
| Tier 1 risk-based capital ratio | 15.9939% | 3,060 |
| Total risk-based capital ratio | 17.1816% | 3,034 |
| Memoranda: | ||
| Average total assets | $212,791,250 | 2,876 |
| Average earning assets | $185,695,000 | 2,986 |
| Average equity | $24,842,250 | 2,686 |
| Average total loans | $139,642,250 | 2,734 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5924% | 1,553 |
| Cost of funding earning assets | 0.4362% | 3,480 |
| Net interest margin | 4.1562% | 1,360 |
| Noninterest income to average assets | 1.1359% | 915 |
| Noninterest expense to average assets | 2.8387% | 3,380 |
| Loan and lease loss provision to assets | 0.0958% | 2,426 |
| Net operating income to assets | 1.8147% | 477 |
| Return on assets (ROA) | 1.8147% | 490 |
| Pretax return on assets | 1.8147% | 819 |
| Return on Equity (ROE) | 15.5441% | 705 |
| Retained earnings to average equity (ytd only) | 15.5441% | 189 |
| Net charge-offs to loans | 0.0353% | 3,504 |
| Credit loss provision to net charge-offs | 420.8333% | 667 |
| Earnings coverage of net charge-offs (x) | 83.9583% | 632 |
| Efficiency ratio | 57.8958% | 5,567 |
| Assets per employee ($millions) | 5.6560% | 1,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1197% | 4,815 |
| Loan loss allowance to noncurrent loans | 241.3686% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.8277% | 3,489 |
| Noncurrent loans to loans | 0.4639% | 4,608 |
| Net loans and leases to total assets | 63.7705% | 3,104 |
| Net loans and leases to deposits | 81.8821% | 2,264 |
| Net loans and leases to core deposits | 95.4882% | 1,646 |
| Total domestic deposits to total assets | 77.8809% | 5,659 |
| Equity capital to assets | 11.7984% | 2,156 |
| Core capital (leverage) ratio | 10.5942% | 2,831 |
| Tier 1 risk-based capital ratio | 16.9491% | 2,640 |
| Total risk-based capital ratio | 18.1384% | 2,637 |
| Memoranda: | ||
| Average total assets | $210,938,670 | 2,903 |
| Average earning assets | $183,390,330 | 3,038 |
| Average equity | $24,626,670 | 2,701 |
| Average total loans | $135,952,000 | 2,778 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4294% | 326 |
| Cost of funding earning assets | 0.4375% | 3,567 |
| Net interest margin | 4.9918% | 281 |
| Noninterest income to average assets | 2.1135% | 304 |
| Noninterest expense to average assets | 2.8792% | 3,283 |
| Loan and lease loss provision to assets | 0.1934% | 1,221 |
| Net operating income to assets | 3.3655% | 81 |
| Return on assets (ROA) | 3.3655% | 84 |
| Pretax return on assets | 3.3655% | 111 |
| Return on Equity (ROE) | 28.9848% | 76 |
| Retained earnings to average equity (ytd only) | 28.9848% | 41 |
| Net charge-offs to loans | -0.0030% | 4,738 |
| Credit loss provision to net charge-offs | -10,100.0000% | 5,646 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3244% | 6,513 |
| Assets per employee ($millions) | 5.4313% | 1,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1250% | 5,012 |
| Loan loss allowance to noncurrent loans | 28.9517% | 5,881 |
| Noncurrent assets plus other real estate owned to assets | 3.0974% | 901 |
| Noncurrent loans to loans | 3.8858% | 703 |
| Net loans and leases to total assets | 65.4328% | 2,647 |
| Net loans and leases to deposits | 84.3333% | 1,789 |
| Net loans and leases to core deposits | 97.5940% | 1,267 |
| Total domestic deposits to total assets | 77.5883% | 5,890 |
| Equity capital to assets | 11.8666% | 1,963 |
| Core capital (leverage) ratio | 10.8347% | 2,558 |
| Tier 1 risk-based capital ratio | 16.7539% | 2,788 |
| Total risk-based capital ratio | 17.9601% | 2,773 |
| Memoranda: | ||
| Average total assets | $208,944,500 | 2,950 |
| Average earning assets | $181,016,000 | 3,081 |
| Average equity | $24,261,000 | 2,724 |
| Average total loans | $134,622,000 | 2,816 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6241% | 5,346 |
| Cost of funding earning assets | 0.6250% | 2,436 |
| Net interest margin | 2.9991% | 5,582 |
| Noninterest income to average assets | 0.2240% | 5,734 |
| Noninterest expense to average assets | 2.8916% | 3,394 |
| Loan and lease loss provision to assets | 0.1113% | 2,947 |
| Net operating income to assets | -0.1621% | 6,345 |
| Return on assets (ROA) | -0.1621% | 6,359 |
| Pretax return on assets | -0.1621% | 6,331 |
| Return on Equity (ROE) | -1.6012% | 6,359 |
| Retained earnings to average equity (ytd only) | -1.6012% | 6,136 |
| Net charge-offs to loans | 0.5724% | 1,149 |
| Credit loss provision to net charge-offs | 30.8725% | 4,234 |
| Earnings coverage of net charge-offs (x) | -0.1409% | 5,130 |
| Efficiency ratio | 98.5863% | 528 |
| Assets per employee ($millions) | 5.4228% | 1,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1428% | 4,942 |
| Loan loss allowance to noncurrent loans | 26.8475% | 6,030 |
| Noncurrent assets plus other real estate owned to assets | 5.0294% | 465 |
| Noncurrent loans to loans | 4.2567% | 655 |
| Net loans and leases to total assets | 61.9172% | 3,377 |
| Net loans and leases to deposits | 79.6090% | 2,508 |
| Net loans and leases to core deposits | 91.9707% | 1,798 |
| Total domestic deposits to total assets | 77.7766% | 5,856 |
| Equity capital to assets | 11.3487% | 2,295 |
| Core capital (leverage) ratio | 9.4338% | 4,364 |
| Tier 1 risk-based capital ratio | 15.5908% | 3,315 |
| Total risk-based capital ratio | 16.7355% | 3,338 |
| Memoranda: | ||
| Average total assets | $206,664,200 | 2,954 |
| Average earning assets | $180,318,200 | 3,064 |
| Average equity | $20,922,200 | 3,056 |
| Average total loans | $130,158,600 | 2,866 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4907% | 5,704 |
| Cost of funding earning assets | 0.6674% | 2,200 |
| Net interest margin | 2.8233% | 5,980 |
| Noninterest income to average assets | 0.1882% | 6,063 |
| Noninterest expense to average assets | 2.9082% | 3,278 |
| Loan and lease loss provision to assets | 0.1483% | 2,423 |
| Net operating income to assets | -0.3945% | 6,565 |
| Return on assets (ROA) | -0.3945% | 6,575 |
| Pretax return on assets | -0.3945% | 6,559 |
| Return on Equity (ROE) | -4.0184% | 6,572 |
| Retained earnings to average equity (ytd only) | -4.0184% | 6,441 |
| Net charge-offs to loans | 0.7626% | 782 |
| Credit loss provision to net charge-offs | 30.8311% | 3,880 |
| Earnings coverage of net charge-offs (x) | -0.5121% | 4,953 |
| Efficiency ratio | 105.8368% | 329 |
| Assets per employee ($millions) | 5.6633% | 1,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1112% | 5,281 |
| Loan loss allowance to noncurrent loans | 15.5223% | 6,320 |
| Noncurrent assets plus other real estate owned to assets | 4.8436% | 593 |
| Noncurrent loans to loans | 7.1590% | 288 |
| Net loans and leases to total assets | 59.3879% | 3,795 |
| Net loans and leases to deposits | 74.9342% | 3,097 |
| Net loans and leases to core deposits | 86.2456% | 2,384 |
| Total domestic deposits to total assets | 79.2534% | 5,687 |
| Equity capital to assets | 10.4749% | 3,307 |
| Core capital (leverage) ratio | 9.6380% | 4,188 |
| Tier 1 risk-based capital ratio | 15.3048% | 3,564 |
| Total risk-based capital ratio | 16.4456% | 3,588 |
| Memoranda: | ||
| Average total assets | $206,813,500 | 2,967 |
| Average earning assets | $181,200,000 | 3,084 |
| Average equity | $20,306,250 | 3,155 |
| Average total loans | $130,431,750 | 2,868 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1282% | 6,311 |
| Cost of funding earning assets | 0.7424% | 1,749 |
| Net interest margin | 2.3857% | 6,564 |
| Noninterest income to average assets | 0.1890% | 6,078 |
| Noninterest expense to average assets | 3.0466% | 2,852 |
| Loan and lease loss provision to assets | 0.2276% | 1,656 |
| Net operating income to assets | -0.9994% | 6,754 |
| Return on assets (ROA) | -0.9994% | 6,758 |
| Pretax return on assets | -0.9994% | 6,735 |
| Return on Equity (ROE) | -10.4323% | 6,747 |
| Retained earnings to average equity (ytd only) | -10.4323% | 6,676 |
| Net charge-offs to loans | 1.1504% | 508 |
| Credit loss provision to net charge-offs | 30.8311% | 3,579 |
| Earnings coverage of net charge-offs (x) | -1.0456% | 4,717 |
| Efficiency ratio | 129.8391% | 130 |
| Assets per employee ($millions) | 5.2264% | 1,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1193% | 5,365 |
| Loan loss allowance to noncurrent loans | 15.3654% | 6,376 |
| Noncurrent assets plus other real estate owned to assets | 5.4843% | 535 |
| Noncurrent loans to loans | 7.2845% | 315 |
| Net loans and leases to total assets | 65.5668% | 2,670 |
| Net loans and leases to deposits | 85.4981% | 1,629 |
| Net loans and leases to core deposits | 103.5391% | 861 |
| Total domestic deposits to total assets | 76.6880% | 6,174 |
| Equity capital to assets | 9.4390% | 4,662 |
| Core capital (leverage) ratio | 7.6943% | 6,369 |
| Tier 1 risk-based capital ratio | 11.8399% | 5,889 |
| Total risk-based capital ratio | 12.9779% | 5,930 |
| Memoranda: | ||
| Average total assets | $202,128,000 | 3,047 |
| Average earning assets | $176,716,670 | 3,161 |
| Average equity | $19,363,000 | 3,286 |
| Average total loans | $129,694,330 | 2,879 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4931% | 5,720 |
| Cost of funding earning assets | 0.7556% | 1,801 |
| Net interest margin | 2.7375% | 6,153 |
| Noninterest income to average assets | 0.1334% | 6,429 |
| Noninterest expense to average assets | 2.9918% | 3,017 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.4630% | 6,657 |
| Return on assets (ROA) | -0.4630% | 6,685 |
| Pretax return on assets | -0.4630% | 6,663 |
| Return on Equity (ROE) | -4.7988% | 6,685 |
| Retained earnings to average equity (ytd only) | -4.7988% | 6,351 |
| Net charge-offs to loans | -0.0031% | 5,198 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.6625% | 265 |
| Assets per employee ($millions) | 5.3546% | 1,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5602% | 3,572 |
| Loan loss allowance to noncurrent loans | 17.2336% | 6,404 |
| Noncurrent assets plus other real estate owned to assets | 6.3335% | 488 |
| Noncurrent loans to loans | 9.0530% | 264 |
| Net loans and leases to total assets | 61.7399% | 3,116 |
| Net loans and leases to deposits | 85.6181% | 1,400 |
| Net loans and leases to core deposits | 103.4777% | 741 |
| Total domestic deposits to total assets | 72.1108% | 6,652 |
| Equity capital to assets | 9.6086% | 4,698 |
| Core capital (leverage) ratio | 7.9031% | 6,214 |
| Tier 1 risk-based capital ratio | 12.7442% | 5,408 |
| Total risk-based capital ratio | 13.9987% | 5,350 |
| Memoranda: | ||
| Average total assets | $203,891,000 | 3,054 |
| Average earning assets | $178,409,500 | 3,169 |
| Average equity | $19,671,500 | 3,288 |
| Average total loans | $128,696,000 | 2,913 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0190% | 6,761 |
| Cost of funding earning assets | 0.7316% | 3,241 |
| Net interest margin | 2.2873% | 6,843 |
| Noninterest income to average assets | 0.1837% | 6,085 |
| Noninterest expense to average assets | 2.5154% | 5,051 |
| Loan and lease loss provision to assets | 1.1295% | 325 |
| Net operating income to assets | -1.4599% | 6,849 |
| Return on assets (ROA) | -1.4599% | 6,857 |
| Pretax return on assets | -1.4599% | 6,835 |
| Return on Equity (ROE) | -18.7615% | 6,865 |
| Retained earnings to average equity (ytd only) | -18.7615% | 6,828 |
| Net charge-offs to loans | 0.3679% | 2,791 |
| Credit loss provision to net charge-offs | 512.8631% | 473 |
| Earnings coverage of net charge-offs (x) | -1.5000% | 5,807 |
| Efficiency ratio | 111.8361% | 305 |
| Assets per employee ($millions) | 5.6753% | 1,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5334% | 3,599 |
| Loan loss allowance to noncurrent loans | 13.3432% | 6,518 |
| Noncurrent assets plus other real estate owned to assets | 7.9806% | 343 |
| Noncurrent loans to loans | 11.4920% | 167 |
| Net loans and leases to total assets | 62.5459% | 3,158 |
| Net loans and leases to deposits | 86.8756% | 1,399 |
| Net loans and leases to core deposits | 102.4033% | 867 |
| Total domestic deposits to total assets | 71.9949% | 6,690 |
| Equity capital to assets | 9.6873% | 4,609 |
| Core capital (leverage) ratio | 8.0229% | 6,170 |
| Tier 1 risk-based capital ratio | 12.5924% | 5,405 |
| Total risk-based capital ratio | 13.8457% | 5,348 |
| Memoranda: | ||
| Average total assets | $218,854,200 | 2,851 |
| Average earning assets | $191,489,800 | 2,934 |
| Average equity | $17,029,600 | 3,628 |
| Average total loans | $130,997,000 | 2,869 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8524% | 6,956 |
| Cost of funding earning assets | 0.7114% | 3,669 |
| Net interest margin | 2.1410% | 7,001 |
| Noninterest income to average assets | 0.1828% | 6,212 |
| Noninterest expense to average assets | 2.3257% | 5,611 |
| Loan and lease loss provision to assets | 1.4202% | 226 |
| Net operating income to assets | -1.6893% | 6,998 |
| Return on assets (ROA) | -1.6893% | 7,008 |
| Pretax return on assets | -1.6893% | 6,981 |
| Return on Equity (ROE) | -23.0037% | 7,020 |
| Retained earnings to average equity (ytd only) | -23.0037% | 7,007 |
| Net charge-offs to loans | 0.4925% | 2,138 |
| Credit loss provision to net charge-offs | 488.6598% | 550 |
| Earnings coverage of net charge-offs (x) | -0.9258% | 5,568 |
| Efficiency ratio | 109.8776% | 312 |
| Assets per employee ($millions) | 6.1784% | 1,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5471% | 3,743 |
| Loan loss allowance to noncurrent loans | 18.2690% | 6,529 |
| Noncurrent assets plus other real estate owned to assets | 5.6611% | 738 |
| Noncurrent loans to loans | 8.4686% | 357 |
| Net loans and leases to total assets | 57.1035% | 4,281 |
| Net loans and leases to deposits | 78.5625% | 2,589 |
| Net loans and leases to core deposits | 94.0668% | 1,581 |
| Total domestic deposits to total assets | 72.6855% | 6,699 |
| Equity capital to assets | 9.3143% | 5,448 |
| Core capital (leverage) ratio | 7.5971% | 6,563 |
| Tier 1 risk-based capital ratio | 12.8596% | 5,363 |
| Total risk-based capital ratio | 14.1130% | 5,326 |
| Memoranda: | ||
| Average total assets | $222,490,500 | 2,833 |
| Average earning assets | $194,733,000 | 2,928 |
| Average equity | $16,339,000 | 3,766 |
| Average total loans | $131,302,000 | 2,896 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5961% | 7,104 |
| Cost of funding earning assets | 0.6541% | 4,404 |
| Net interest margin | 1.9420% | 7,120 |
| Noninterest income to average assets | 0.1844% | 6,246 |
| Noninterest expense to average assets | 2.0535% | 6,324 |
| Loan and lease loss provision to assets | 1.8929% | 160 |
| Net operating income to assets | -2.0615% | 7,076 |
| Return on assets (ROA) | -2.0615% | 7,085 |
| Pretax return on assets | -2.0615% | 7,074 |
| Return on Equity (ROE) | -30.6093% | 7,108 |
| Retained earnings to average equity (ytd only) | -30.6093% | 7,097 |
| Net charge-offs to loans | -0.0030% | 6,119 |
| Credit loss provision to net charge-offs | -107,250.0000% | 6,632 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.9925% | 398 |
| Assets per employee ($millions) | 6.2779% | 1,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7124% | 3,175 |
| Loan loss allowance to noncurrent loans | 20.9341% | 6,489 |
| Noncurrent assets plus other real estate owned to assets | 5.1243% | 919 |
| Noncurrent loans to loans | 8.1802% | 412 |
| Net loans and leases to total assets | 54.5254% | 4,701 |
| Net loans and leases to deposits | 73.2129% | 3,422 |
| Net loans and leases to core deposits | 89.3812% | 2,046 |
| Total domestic deposits to total assets | 74.4751% | 6,640 |
| Equity capital to assets | 8.6477% | 6,081 |
| Core capital (leverage) ratio | 7.1777% | 6,760 |
| Tier 1 risk-based capital ratio | 12.6136% | 5,486 |
| Total risk-based capital ratio | 13.8685% | 5,462 |
| Memoranda: | ||
| Average total assets | $226,632,670 | 2,793 |
| Average earning assets | $198,452,000 | 2,893 |
| Average equity | $15,263,330 | 3,931 |
| Average total loans | $134,456,330 | 2,844 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4353% | 7,272 |
| Cost of funding earning assets | 0.4023% | 6,401 |
| Net interest margin | 1.0330% | 7,269 |
| Noninterest income to average assets | 0.0758% | 6,841 |
| Noninterest expense to average assets | 1.1932% | 7,212 |
| Loan and lease loss provision to assets | 3.1549% | 69 |
| Net operating income to assets | -3.3717% | 7,239 |
| Return on assets (ROA) | -3.3717% | 7,240 |
| Pretax return on assets | -3.3717% | 7,227 |
| Return on Equity (ROE) | -58.3098% | 7,238 |
| Retained earnings to average equity (ytd only) | -58.3098% | 7,228 |
| Net charge-offs to loans | -0.0029% | 5,740 |
| Credit loss provision to net charge-offs | -179,000.0000% | 6,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.3141% | 225 |
| Assets per employee ($millions) | 6.6194% | 920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4037% | 4,592 |
| Loan loss allowance to noncurrent loans | 16.2596% | 6,656 |
| Noncurrent assets plus other real estate owned to assets | 5.3263% | 948 |
| Noncurrent loans to loans | 8.6333% | 415 |
| Net loans and leases to total assets | 54.2973% | 4,673 |
| Net loans and leases to deposits | 72.6150% | 3,340 |
| Net loans and leases to core deposits | 89.7511% | 1,874 |
| Total domestic deposits to total assets | 74.7743% | 6,675 |
| Equity capital to assets | 8.6192% | 5,968 |
| Core capital (leverage) ratio | 7.1115% | 6,797 |
| Tier 1 risk-based capital ratio | 12.5361% | 5,576 |
| Total risk-based capital ratio | 13.7870% | 5,537 |
| Memoranda: | ||
| Average total assets | $226,947,500 | 2,804 |
| Average earning assets | $197,864,500 | 2,921 |
| Average equity | $13,123,000 | 4,383 |
| Average total loans | $138,996,500 | 2,798 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9979% | 6,457 |
| Cost of funding earning assets | 1.6359% | 417 |
| Net interest margin | 2.3620% | 7,116 |
| Noninterest income to average assets | -0.2117% | 7,162 |
| Noninterest expense to average assets | 4.1638% | 847 |
| Loan and lease loss provision to assets | 1.4030% | 555 |
| Net operating income to assets | -3.7332% | 7,239 |
| Return on assets (ROA) | -3.7332% | 7,245 |
| Pretax return on assets | -3.7332% | 7,252 |
| Return on Equity (ROE) | -85.5722% | 7,296 |
| Retained earnings to average equity (ytd only) | -85.5722% | 7,296 |
| Net charge-offs to loans | 2.6759% | 411 |
| Credit loss provision to net charge-offs | 78.5155% | 4,523 |
| Earnings coverage of net charge-offs (x) | -1.3040% | 6,231 |
| Efficiency ratio | 224.6841% | 45 |
| Assets per employee ($millions) | 5.1678% | 1,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3129% | 73 |
| Loan loss allowance to noncurrent loans | 43.9583% | 5,376 |
| Noncurrent assets plus other real estate owned to assets | 10.3589% | 302 |
| Noncurrent loans to loans | 14.3611% | 144 |
| Net loans and leases to total assets | 63.4120% | 3,306 |
| Net loans and leases to deposits | 78.0398% | 2,834 |
| Net loans and leases to core deposits | 98.1507% | 1,317 |
| Total domestic deposits to total assets | 81.2560% | 5,371 |
| Equity capital to assets | 2.8247% | 7,285 |
| Core capital (leverage) ratio | 2.6921% | 7,283 |
| Tier 1 risk-based capital ratio | 3.9485% | 7,281 |
| Total risk-based capital ratio | 5.2577% | 7,281 |
| Memoranda: | ||
| Average total assets | $250,322,600 | 2,517 |
| Average earning assets | $216,765,800 | 2,647 |
| Average equity | $10,920,600 | 4,802 |
| Average total loans | $167,161,600 | 2,398 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9641% | 6,641 |
| Cost of funding earning assets | 1.7135% | 378 |
| Net interest margin | 2.2506% | 7,236 |
| Noninterest income to average assets | -0.2093% | 7,274 |
| Noninterest expense to average assets | 3.9333% | 1,097 |
| Loan and lease loss provision to assets | 1.5605% | 427 |
| Net operating income to assets | -3.7515% | 7,322 |
| Return on assets (ROA) | -3.7515% | 7,323 |
| Pretax return on assets | -3.7515% | 7,320 |
| Return on Equity (ROE) | -79.9109% | 7,360 |
| Retained earnings to average equity (ytd only) | -79.9109% | 7,359 |
| Net charge-offs to loans | 2.3126% | 507 |
| Credit loss provision to net charge-offs | 101.3459% | 3,309 |
| Earnings coverage of net charge-offs (x) | -1.4229% | 5,979 |
| Efficiency ratio | 223.2828% | 37 |
| Assets per employee ($millions) | 5.6560% | 1,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5762% | 60 |
| Loan loss allowance to noncurrent loans | 34.6060% | 5,982 |
| Noncurrent assets plus other real estate owned to assets | 13.9796% | 159 |
| Noncurrent loans to loans | 19.0029% | 67 |
| Net loans and leases to total assets | 62.7693% | 3,552 |
| Net loans and leases to deposits | 76.9804% | 3,172 |
| Net loans and leases to core deposits | 99.0284% | 1,333 |
| Total domestic deposits to total assets | 81.5394% | 5,240 |
| Equity capital to assets | 3.5285% | 7,345 |
| Core capital (leverage) ratio | 3.3359% | 7,338 |
| Tier 1 risk-based capital ratio | 4.9070% | 7,327 |
| Total risk-based capital ratio | 6.2184% | 7,326 |
| Memoranda: | ||
| Average total assets | $257,349,500 | 2,460 |
| Average earning assets | $223,163,000 | 2,590 |
| Average equity | $12,081,500 | 4,545 |
| Average total loans | $171,350,500 | 2,375 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9362% | 6,760 |
| Cost of funding earning assets | 1.7496% | 389 |
| Net interest margin | 2.1866% | 7,319 |
| Noninterest income to average assets | -0.1614% | 7,320 |
| Noninterest expense to average assets | 4.0341% | 998 |
| Loan and lease loss provision to assets | 2.2823% | 244 |
| Net operating income to assets | -4.5782% | 7,425 |
| Return on assets (ROA) | -4.5782% | 7,427 |
| Pretax return on assets | -4.5782% | 7,421 |
| Return on Equity (ROE) | -90.7570% | 7,430 |
| Retained earnings to average equity (ytd only) | -90.7570% | 7,428 |
| Net charge-offs to loans | 3.2728% | 292 |
| Credit loss provision to net charge-offs | 105.0209% | 2,935 |
| Earnings coverage of net charge-offs (x) | -1.0565% | 5,638 |
| Efficiency ratio | 229.6861% | 41 |
| Assets per employee ($millions) | 5.2683% | 1,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3485% | 83 |
| Loan loss allowance to noncurrent loans | 39.8586% | 5,657 |
| Noncurrent assets plus other real estate owned to assets | 12.5249% | 232 |
| Noncurrent loans to loans | 15.9276% | 118 |
| Net loans and leases to total assets | 63.1509% | 3,650 |
| Net loans and leases to deposits | 77.3984% | 3,233 |
| Net loans and leases to core deposits | 114.9106% | 551 |
| Total domestic deposits to total assets | 81.5920% | 5,322 |
| Equity capital to assets | 4.0091% | 7,389 |
| Core capital (leverage) ratio | 3.8976% | 7,380 |
| Tier 1 risk-based capital ratio | 5.4648% | 7,380 |
| Total risk-based capital ratio | 6.7726% | 7,381 |
| Memoranda: | ||
| Average total assets | $263,948,000 | 2,414 |
| Average earning assets | $229,309,000 | 2,531 |
| Average equity | $13,314,670 | 4,274 |
| Average total loans | $175,265,000 | 2,346 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9420% | 6,777 |
| Cost of funding earning assets | 1.7932% | 389 |
| Net interest margin | 2.1488% | 7,374 |
| Noninterest income to average assets | -0.0132% | 7,325 |
| Noninterest expense to average assets | 3.8072% | 1,330 |
| Loan and lease loss provision to assets | 0.7747% | 1,101 |
| Net operating income to assets | -2.7209% | 7,372 |
| Return on assets (ROA) | -2.7209% | 7,372 |
| Pretax return on assets | -2.7209% | 7,352 |
| Return on Equity (ROE) | -49.3320% | 7,412 |
| Retained earnings to average equity (ytd only) | -49.3320% | 7,398 |
| Net charge-offs to loans | 1.1749% | 1,185 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | -2.5123% | 4,980 |
| Efficiency ratio | 202.3697% | 64 |
| Assets per employee ($millions) | 4.7637% | 2,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0047% | 99 |
| Loan loss allowance to noncurrent loans | 41.1524% | 5,554 |
| Noncurrent assets plus other real estate owned to assets | 12.4845% | 240 |
| Noncurrent loans to loans | 14.5915% | 166 |
| Net loans and leases to total assets | 63.6266% | 3,516 |
| Net loans and leases to deposits | 79.1842% | 2,857 |
| Net loans and leases to core deposits | 124.6728% | 331 |
| Total domestic deposits to total assets | 80.3526% | 5,849 |
| Equity capital to assets | 5.4789% | 7,342 |
| Core capital (leverage) ratio | 4.9642% | 7,366 |
| Tier 1 risk-based capital ratio | 7.3010% | 7,341 |
| Total risk-based capital ratio | 8.6031% | 7,343 |
| Memoranda: | ||
| Average total assets | $272,117,000 | 2,370 |
| Average earning assets | $237,341,500 | 2,469 |
| Average equity | $15,008,500 | 3,901 |
| Average total loans | $179,413,500 | 2,317 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7920% | 5,445 |
| Cost of funding earning assets | 1.7572% | 1,354 |
| Net interest margin | 3.0347% | 6,668 |
| Noninterest income to average assets | 0.1174% | 6,821 |
| Noninterest expense to average assets | 4.1672% | 941 |
| Loan and lease loss provision to assets | 5.7133% | 49 |
| Net operating income to assets | -7.0442% | 7,604 |
| Return on assets (ROA) | -7.0442% | 7,605 |
| Pretax return on assets | -7.0442% | 7,609 |
| Return on Equity (ROE) | -87.7414% | 7,572 |
| Retained earnings to average equity (ytd only) | -87.7414% | 7,572 |
| Net charge-offs to loans | 5.1216% | 165 |
| Credit loss provision to net charge-offs | 155.0434% | 2,279 |
| Earnings coverage of net charge-offs (x) | -0.3612% | 6,394 |
| Efficiency ratio | 112.4370% | 500 |
| Assets per employee ($millions) | 5.5191% | 1,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6611% | 126 |
| Loan loss allowance to noncurrent loans | 34.2617% | 6,030 |
| Noncurrent assets plus other real estate owned to assets | 11.9699% | 277 |
| Noncurrent loans to loans | 16.5232% | 118 |
| Net loans and leases to total assets | 60.7128% | 4,545 |
| Net loans and leases to deposits | 74.4458% | 4,125 |
| Net loans and leases to core deposits | 132.7012% | 299 |
| Total domestic deposits to total assets | 81.5529% | 5,341 |
| Equity capital to assets | 5.5482% | 7,392 |
| Core capital (leverage) ratio | 5.1629% | 7,402 |
| Tier 1 risk-based capital ratio | 7.8696% | 7,355 |
| Total risk-based capital ratio | 9.1688% | 7,359 |
| Memoranda: | ||
| Average total assets | $322,039,000 | 2,019 |
| Average earning assets | $288,524,800 | 2,055 |
| Average equity | $25,854,400 | 2,473 |
| Average total loans | $231,704,200 | 1,887 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0049% | 4,792 |
| Cost of funding earning assets | 1.7806% | 1,501 |
| Net interest margin | 3.2243% | 6,263 |
| Noninterest income to average assets | 0.2555% | 6,073 |
| Noninterest expense to average assets | 2.9616% | 3,880 |
| Loan and lease loss provision to assets | 5.9696% | 51 |
| Net operating income to assets | -5.7790% | 7,684 |
| Return on assets (ROA) | -5.7790% | 7,690 |
| Pretax return on assets | -5.7790% | 7,683 |
| Return on Equity (ROE) | -67.4619% | 7,630 |
| Retained earnings to average equity (ytd only) | -67.4619% | 7,628 |
| Net charge-offs to loans | 5.4119% | 141 |
| Credit loss provision to net charge-offs | 149.8786% | 2,601 |
| Earnings coverage of net charge-offs (x) | 0.0479% | 5,980 |
| Efficiency ratio | 92.8909% | 1,065 |
| Assets per employee ($millions) | 5.8492% | 1,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2523% | 298 |
| Loan loss allowance to noncurrent loans | 40.4478% | 5,593 |
| Noncurrent assets plus other real estate owned to assets | 8.0448% | 624 |
| Noncurrent loans to loans | 10.5130% | 381 |
| Net loans and leases to total assets | 63.1043% | 4,300 |
| Net loans and leases to deposits | 77.3636% | 3,942 |
| Net loans and leases to core deposits | 139.8684% | 259 |
| Total domestic deposits to total assets | 81.5684% | 5,174 |
| Equity capital to assets | 7.0409% | 7,332 |
| Core capital (leverage) ratio | 5.7913% | 7,462 |
| Tier 1 risk-based capital ratio | 8.7942% | 7,396 |
| Total risk-based capital ratio | 10.0794% | 7,407 |
| Memoranda: | ||
| Average total assets | $330,800,250 | 1,989 |
| Average earning assets | $297,194,750 | 2,024 |
| Average equity | $28,337,250 | 2,325 |
| Average total loans | $243,455,750 | 1,817 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2295% | 3,805 |
| Cost of funding earning assets | 1.7282% | 1,980 |
| Net interest margin | 3.5013% | 5,239 |
| Noninterest income to average assets | 0.3484% | 5,361 |
| Noninterest expense to average assets | 2.9745% | 3,809 |
| Loan and lease loss provision to assets | 4.7501% | 127 |
| Net operating income to assets | -4.2194% | 7,645 |
| Return on assets (ROA) | -4.2194% | 7,647 |
| Pretax return on assets | -4.2194% | 7,628 |
| Return on Equity (ROE) | -46.6513% | 7,590 |
| Retained earnings to average equity (ytd only) | -46.6513% | 7,585 |
| Net charge-offs to loans | 0.5580% | 2,861 |
| Credit loss provision to net charge-offs | 1,120.0843% | 340 |
| Earnings coverage of net charge-offs (x) | 1.2514% | 4,569 |
| Efficiency ratio | 83.9252% | 1,929 |
| Assets per employee ($millions) | 7.0686% | 747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5187% | 251 |
| Loan loss allowance to noncurrent loans | 40.9159% | 5,608 |
| Noncurrent assets plus other real estate owned to assets | 8.8478% | 512 |
| Noncurrent loans to loans | 11.0440% | 361 |
| Net loans and leases to total assets | 66.8761% | 3,643 |
| Net loans and leases to deposits | 86.6531% | 2,409 |
| Net loans and leases to core deposits | 150.5311% | 211 |
| Total domestic deposits to total assets | 77.1769% | 6,455 |
| Equity capital to assets | 8.3578% | 6,346 |
| Core capital (leverage) ratio | 8.0709% | 6,165 |
| Tier 1 risk-based capital ratio | 10.6237% | 6,591 |
| Total risk-based capital ratio | 11.9140% | 6,549 |
| Memoranda: | ||
| Average total assets | $335,782,000 | 1,984 |
| Average earning assets | $302,745,000 | 2,011 |
| Average equity | $30,370,000 | 2,166 |
| Average total loans | $255,217,670 | 1,778 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5651% | 2,305 |
| Cost of funding earning assets | 1.7119% | 2,330 |
| Net interest margin | 3.8532% | 3,548 |
| Noninterest income to average assets | 0.7879% | 2,083 |
| Noninterest expense to average assets | 3.3142% | 2,484 |
| Loan and lease loss provision to assets | 9.0532% | 41 |
| Net operating income to assets | -8.0989% | 7,870 |
| Return on assets (ROA) | -8.0989% | 7,872 |
| Pretax return on assets | -8.0989% | 7,864 |
| Return on Equity (ROE) | -86.0145% | 7,806 |
| Retained earnings to average equity (ytd only) | -86.0145% | 7,802 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8415% | 3,087 |
| Assets per employee ($millions) | 5.8337% | 1,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4011% | 274 |
| Loan loss allowance to noncurrent loans | 34.2333% | 6,109 |
| Noncurrent assets plus other real estate owned to assets | 11.4127% | 303 |
| Noncurrent loans to loans | 12.8562% | 256 |
| Net loans and leases to total assets | 78.0759% | 1,142 |
| Net loans and leases to deposits | 103.9504% | 529 |
| Net loans and leases to core deposits | 180.7362% | 127 |
| Total domestic deposits to total assets | 75.1087% | 6,892 |
| Equity capital to assets | 8.7271% | 5,696 |
| Core capital (leverage) ratio | 7.5964% | 6,740 |
| Tier 1 risk-based capital ratio | 9.3425% | 7,377 |
| Total risk-based capital ratio | 10.6311% | 7,362 |
| Memoranda: | ||
| Average total assets | $326,957,500 | 2,082 |
| Average earning assets | $295,341,000 | 2,112 |
| Average equity | $30,785,500 | 2,159 |
| Average total loans | $259,053,000 | 1,811 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4975% | 4,155 |
| Cost of funding earning assets | 2.0820% | 2,559 |
| Net interest margin | 3.4154% | 5,309 |
| Noninterest income to average assets | 0.6568% | 3,246 |
| Noninterest expense to average assets | 2.8919% | 4,560 |
| Loan and lease loss provision to assets | 0.5444% | 3,646 |
| Net operating income to assets | 0.3305% | 4,413 |
| Return on assets (ROA) | 0.3305% | 4,503 |
| Pretax return on assets | 0.3305% | 4,686 |
| Return on Equity (ROE) | 3.6366% | 4,238 |
| Retained earnings to average equity (ytd only) | 3.6366% | 2,639 |
| Net charge-offs to loans | 0.5626% | 3,532 |
| Credit loss provision to net charge-offs | 124.5814% | 4,215 |
| Earnings coverage of net charge-offs (x) | 2.0020% | 4,220 |
| Efficiency ratio | 75.9189% | 3,544 |
| Assets per employee ($millions) | 6.5173% | 985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5044% | 3,701 |
| Loan loss allowance to noncurrent loans | 21.2338% | 7,003 |
| Noncurrent assets plus other real estate owned to assets | 5.7194% | 1,006 |
| Noncurrent loans to loans | 7.0851% | 787 |
| Net loans and leases to total assets | 75.8065% | 1,854 |
| Net loans and leases to deposits | 101.4645% | 790 |
| Net loans and leases to core deposits | 155.0831% | 414 |
| Total domestic deposits to total assets | 74.7124% | 6,912 |
| Equity capital to assets | 10.0559% | 3,686 |
| Core capital (leverage) ratio | 9.5882% | 3,613 |
| Tier 1 risk-based capital ratio | 11.4559% | 5,449 |
| Total risk-based capital ratio | 12.7087% | 5,403 |
| Memoranda: | ||
| Average total assets | $341,644,200 | 1,990 |
| Average earning assets | $311,088,600 | 1,998 |
| Average equity | $31,045,600 | 2,164 |
| Average total loans | $265,378,000 | 1,806 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4190% | 4,852 |
| Cost of funding earning assets | 2.2086% | 2,370 |
| Net interest margin | 3.2103% | 5,975 |
| Noninterest income to average assets | 0.7069% | 2,971 |
| Noninterest expense to average assets | 2.8163% | 4,825 |
| Loan and lease loss provision to assets | 0.7945% | 2,378 |
| Net operating income to assets | 0.0195% | 5,666 |
| Return on assets (ROA) | 0.0195% | 5,722 |
| Pretax return on assets | 0.0195% | 5,667 |
| Return on Equity (ROE) | 0.2201% | 5,710 |
| Retained earnings to average equity (ytd only) | 0.2201% | 5,107 |
| Net charge-offs to loans | 0.7394% | 2,515 |
| Credit loss provision to net charge-offs | 138.0244% | 3,586 |
| Earnings coverage of net charge-offs (x) | 1.4141% | 4,721 |
| Efficiency ratio | 76.6871% | 3,383 |
| Assets per employee ($millions) | 6.5573% | 960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5696% | 3,121 |
| Loan loss allowance to noncurrent loans | 40.1227% | 5,668 |
| Noncurrent assets plus other real estate owned to assets | 3.2571% | 2,079 |
| Noncurrent loans to loans | 3.9120% | 1,881 |
| Net loans and leases to total assets | 78.7832% | 1,427 |
| Net loans and leases to deposits | 105.9096% | 656 |
| Net loans and leases to core deposits | 173.2444% | 242 |
| Total domestic deposits to total assets | 74.3872% | 6,880 |
| Equity capital to assets | 10.0507% | 4,024 |
| Core capital (leverage) ratio | 8.6748% | 5,172 |
| Tier 1 risk-based capital ratio | 10.9161% | 6,033 |
| Total risk-based capital ratio | 12.1694% | 5,987 |
| Memoranda: | ||
| Average total assets | $342,331,000 | 2,002 |
| Average earning assets | $311,736,250 | 2,017 |
| Average equity | $30,287,250 | 2,233 |
| Average total loans | $266,515,000 | 1,814 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2582% | 5,831 |
| Cost of funding earning assets | 2.3091% | 2,324 |
| Net interest margin | 2.9491% | 6,686 |
| Noninterest income to average assets | 0.7121% | 2,914 |
| Noninterest expense to average assets | 2.8264% | 4,846 |
| Loan and lease loss provision to assets | 1.0312% | 1,644 |
| Net operating income to assets | -0.4592% | 6,506 |
| Return on assets (ROA) | -0.4592% | 6,513 |
| Pretax return on assets | -0.4592% | 6,380 |
| Return on Equity (ROE) | -5.4220% | 6,652 |
| Retained earnings to average equity (ytd only) | -5.4220% | 6,360 |
| Net charge-offs to loans | 1.0915% | 1,662 |
| Credit loss provision to net charge-offs | 122.4350% | 3,799 |
| Earnings coverage of net charge-offs (x) | 0.6792% | 5,029 |
| Efficiency ratio | 82.2343% | 2,697 |
| Assets per employee ($millions) | 6.2165% | 1,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4158% | 3,643 |
| Loan loss allowance to noncurrent loans | 27.1926% | 6,684 |
| Noncurrent assets plus other real estate owned to assets | 4.1786% | 1,383 |
| Noncurrent loans to loans | 5.2066% | 1,150 |
| Net loans and leases to total assets | 79.1192% | 1,497 |
| Net loans and leases to deposits | 104.0046% | 917 |
| Net loans and leases to core deposits | 167.4901% | 351 |
| Total domestic deposits to total assets | 76.0728% | 6,528 |
| Equity capital to assets | 8.7895% | 5,613 |
| Core capital (leverage) ratio | 7.9498% | 6,421 |
| Tier 1 risk-based capital ratio | 9.6988% | 7,232 |
| Total risk-based capital ratio | 10.9507% | 7,170 |
| Memoranda: | ||
| Average total assets | $347,152,330 | 1,993 |
| Average earning assets | $316,228,000 | 2,014 |
| Average equity | $29,398,670 | 2,314 |
| Average total loans | $267,879,000 | 1,840 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2918% | 5,926 |
| Cost of funding earning assets | 2.4351% | 2,158 |
| Net interest margin | 2.8567% | 6,861 |
| Noninterest income to average assets | 0.8383% | 2,135 |
| Noninterest expense to average assets | 2.4827% | 5,906 |
| Loan and lease loss provision to assets | 0.3031% | 3,524 |
| Net operating income to assets | 0.6484% | 3,807 |
| Return on assets (ROA) | 0.6484% | 3,989 |
| Pretax return on assets | 0.6484% | 4,594 |
| Return on Equity (ROE) | 7.8013% | 3,243 |
| Retained earnings to average equity (ytd only) | 7.8013% | 1,894 |
| Net charge-offs to loans | 0.2963% | 2,925 |
| Credit loss provision to net charge-offs | 135.2041% | 2,996 |
| Earnings coverage of net charge-offs (x) | 4.2449% | 2,933 |
| Efficiency ratio | 71.3620% | 4,299 |
| Assets per employee ($millions) | 5.9779% | 1,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3711% | 3,667 |
| Loan loss allowance to noncurrent loans | 28.5985% | 6,646 |
| Noncurrent assets plus other real estate owned to assets | 3.6920% | 1,433 |
| Noncurrent loans to loans | 4.7942% | 1,155 |
| Net loans and leases to total assets | 75.2305% | 2,443 |
| Net loans and leases to deposits | 98.1616% | 1,639 |
| Net loans and leases to core deposits | 144.2173% | 925 |
| Total domestic deposits to total assets | 76.6394% | 6,375 |
| Equity capital to assets | 8.5400% | 6,008 |
| Core capital (leverage) ratio | 7.5408% | 7,103 |
| Tier 1 risk-based capital ratio | 9.4382% | 7,480 |
| Total risk-based capital ratio | 10.6888% | 7,433 |
| Memoranda: | ||
| Average total assets | $349,774,500 | 1,989 |
| Average earning assets | $317,850,000 | 2,005 |
| Average equity | $29,072,000 | 2,340 |
| Average total loans | $264,618,500 | 1,871 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2100% | 4,466 |
| Cost of funding earning assets | 2.8283% | 2,590 |
| Net interest margin | 3.3817% | 5,734 |
| Noninterest income to average assets | 0.4091% | 5,396 |
| Noninterest expense to average assets | 2.6437% | 5,473 |
| Loan and lease loss provision to assets | 1.7391% | 738 |
| Net operating income to assets | -0.8939% | 7,182 |
| Return on assets (ROA) | -0.8939% | 7,101 |
| Pretax return on assets | -0.8939% | 6,934 |
| Return on Equity (ROE) | -8.7939% | 7,181 |
| Retained earnings to average equity (ytd only) | -14.0660% | 7,407 |
| Net charge-offs to loans | 1.5247% | 759 |
| Credit loss provision to net charge-offs | 157.0086% | 3,316 |
| Earnings coverage of net charge-offs (x) | 0.7631% | 5,768 |
| Efficiency ratio | 74.8091% | 3,437 |
| Assets per employee ($millions) | 6.7852% | 778 |
| Cash dividends to net income (ytd only)* | -59.9520% | 8,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3430% | 3,518 |
| Loan loss allowance to noncurrent loans | 92.4357% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 1.1249% | 4,024 |
| Noncurrent loans to loans | 1.4530% | 3,621 |
| Net loans and leases to total assets | 74.0347% | 3,093 |
| Net loans and leases to deposits | 104.1253% | 1,329 |
| Net loans and leases to core deposits | 134.4951% | 1,567 |
| Total domestic deposits to total assets | 71.1015% | 7,144 |
| Equity capital to assets | 8.0872% | 6,720 |
| Core capital (leverage) ratio | 7.2251% | 7,499 |
| Tier 1 risk-based capital ratio | 8.7661% | 7,924 |
| Total risk-based capital ratio | 10.0097% | 8,004 |
| Memoranda: | ||
| Average total assets | $326,550,600 | 2,047 |
| Average earning assets | $297,391,600 | 2,060 |
| Average equity | $33,193,600 | 2,039 |
| Average total loans | $237,228,200 | 1,990 |