Home > The Pueblo Bank and Trust Company > Performance and Condition Ratios
The Pueblo Bank and Trust Company, Performance and Condition Ratios
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9758% | 1,881 |
| Cost of funding earning assets | 0.4947% | 4,145 |
| Net interest margin | 4.4811% | 636 |
| Noninterest income to average assets | 1.3600% | 439 |
| Noninterest expense to average assets | 3.4475% | 588 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.2161% | 367 |
| Return on assets (ROA) | 2.2161% | 361 |
| Pretax return on assets | 2.2161% | 548 |
| Return on Equity (ROE) | 22.8800% | 496 |
| Retained earnings to average equity (ytd only) | 0.9646% | 3,957 |
| Net charge-offs to loans | 0.0077% | 2,129 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 401.4231% | 363 |
| Efficiency ratio | 60.2032% | 2,941 |
| Assets per employee ($millions) | 4.6876% | 3,825 |
| Cash dividends to net income (ytd only)* | 95.7842% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3654% | 1,604 |
| Loan loss allowance to noncurrent loans | 61.0332% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 1.6396% | 210 |
| Noncurrent loans to loans | 2.2371% | 238 |
| Net loans and leases to total assets | 71.0700% | 1,686 |
| Net loans and leases to deposits | 81.5560% | 1,932 |
| Net loans and leases to core deposits | 83.3736% | 2,367 |
| Total domestic deposits to total assets | 87.1500% | 1,843 |
| Equity capital to assets | 9.6130% | 2,035 |
| Core capital (leverage) ratio | 10.7800% | 2,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9338% | 1,584 |
| Memoranda: | ||
| Average total assets | $627,922,000 | 1,418 |
| Average earning assets | $602,611,000 | 1,372 |
| Average equity | $60,815,500 | 1,369 |
| Average total loans | $452,226,250 | 1,334 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8989% | 1,764 |
| Cost of funding earning assets | 0.3447% | 4,248 |
| Net interest margin | 4.5542% | 577 |
| Noninterest income to average assets | 1.3600% | 367 |
| Noninterest expense to average assets | 3.4195% | 589 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.3104% | 301 |
| Return on assets (ROA) | 2.3104% | 295 |
| Pretax return on assets | 2.3104% | 459 |
| Return on Equity (ROE) | 23.8000% | 443 |
| Retained earnings to average equity (ytd only) | 2.9469% | 3,491 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.0202% | 3,073 |
| Assets per employee ($millions) | 4.6730% | 3,843 |
| Cash dividends to net income (ytd only)* | 87.6158% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3634% | 1,662 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0277% | 3,508 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 71.7000% | 1,566 |
| Net loans and leases to deposits | 85.0167% | 1,585 |
| Net loans and leases to core deposits | 85.3438% | 2,121 |
| Total domestic deposits to total assets | 84.3300% | 2,746 |
| Equity capital to assets | 9.8318% | 1,957 |
| Core capital (leverage) ratio | 10.9029% | 1,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6654% | 1,664 |
| Memoranda: | ||
| Average total assets | $626,285,667 | 1,421 |
| Average earning assets | $600,582,000 | 1,379 |
| Average equity | $60,809,333 | 1,374 |
| Average total loans | $450,968,667 | 1,320 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8447% | 1,515 |
| Cost of funding earning assets | 0.1176% | 4,512 |
| Net interest margin | 4.7272% | 421 |
| Noninterest income to average assets | 1.3000% | 394 |
| Noninterest expense to average assets | 3.3731% | 629 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.4647% | 252 |
| Return on assets (ROA) | 2.4647% | 249 |
| Pretax return on assets | 2.4647% | 373 |
| Return on Equity (ROE) | 25.5500% | 380 |
| Retained earnings to average equity (ytd only) | -14.8301% | 4,545 |
| Net charge-offs to loans | -0.0072% | 3,743 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.1319% | 3,289 |
| Assets per employee ($millions) | 4.6244% | 3,945 |
| Cash dividends to net income (ytd only)* | 158.0494% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4190% | 1,549 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0382% | 3,405 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 70.7100% | 1,556 |
| Net loans and leases to deposits | 79.6519% | 1,842 |
| Net loans and leases to core deposits | 80.0561% | 2,248 |
| Total domestic deposits to total assets | 88.7700% | 1,632 |
| Equity capital to assets | 9.6772% | 2,017 |
| Core capital (leverage) ratio | 10.3562% | 2,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4404% | 1,810 |
| Memoranda: | ||
| Average total assets | $624,003,500 | 1,446 |
| Average earning assets | $598,836,000 | 1,405 |
| Average equity | $60,202,000 | 1,391 |
| Average total loans | $447,178,000 | 1,342 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9648% | 1,813 |
| Cost of funding earning assets | 0.0330% | 4,605 |
| Net interest margin | 3.9318% | 888 |
| Noninterest income to average assets | 1.4600% | 354 |
| Noninterest expense to average assets | 3.2017% | 723 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.8131% | 428 |
| Return on assets (ROA) | 1.8131% | 411 |
| Pretax return on assets | 1.8879% | 603 |
| Return on Equity (ROE) | 20.0400% | 476 |
| Retained earnings to average equity (ytd only) | 11.1459% | 852 |
| Net charge-offs to loans | 0.0243% | 1,575 |
| Credit loss provision to net charge-offs | 937.2549% | 451 |
| Earnings coverage of net charge-offs (x) | 127.7745% | 859 |
| Efficiency ratio | 60.4058% | 2,998 |
| Assets per employee ($millions) | 4.6542% | 3,934 |
| Cash dividends to net income (ytd only)* | 44.3831% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4596% | 1,310 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0371% | 3,429 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 70.5600% | 1,577 |
| Net loans and leases to deposits | 78.8258% | 1,866 |
| Net loans and leases to core deposits | 79.2111% | 2,184 |
| Total domestic deposits to total assets | 89.5100% | 1,555 |
| Equity capital to assets | 9.6061% | 1,931 |
| Core capital (leverage) ratio | 10.3661% | 2,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4225% | 1,808 |
| Memoranda: | ||
| Average total assets | $639,719,200 | 1,409 |
| Average earning assets | $614,855,600 | 1,363 |
| Average equity | $57,878,000 | 1,443 |
| Average total loans | $420,195,600 | 1,338 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7570% | 1,870 |
| Cost of funding earning assets | 0.0279% | 4,642 |
| Net interest margin | 3.7291% | 1,073 |
| Noninterest income to average assets | 1.3900% | 387 |
| Noninterest expense to average assets | 3.1754% | 710 |
| Loan and lease loss provision to assets | 0.2000% | 448 |
| Net operating income to assets | 1.5247% | 797 |
| Return on assets (ROA) | 1.5247% | 774 |
| Pretax return on assets | 1.6012% | 1,118 |
| Return on Equity (ROE) | 17.1100% | 772 |
| Retained earnings to average equity (ytd only) | 5.4525% | 2,937 |
| Net charge-offs to loans | 0.0256% | 1,312 |
| Credit loss provision to net charge-offs | 1,210.1266% | 361 |
| Earnings coverage of net charge-offs (x) | 109.6076% | 900 |
| Efficiency ratio | 63.0792% | 2,674 |
| Assets per employee ($millions) | 4.4784% | 4,073 |
| Cash dividends to net income (ytd only)* | 68.1391% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4807% | 1,348 |
| Loan loss allowance to noncurrent loans | 47,414.2857% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0450% | 3,453 |
| Noncurrent loans to loans | 0.0031% | 3,942 |
| Net loans and leases to total assets | 68.0100% | 1,677 |
| Net loans and leases to deposits | 75.6068% | 1,914 |
| Net loans and leases to core deposits | 76.0925% | 2,187 |
| Total domestic deposits to total assets | 89.9600% | 1,678 |
| Equity capital to assets | 8.6474% | 2,441 |
| Core capital (leverage) ratio | 9.6262% | 2,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7839% | 2,139 |
| Memoranda: | ||
| Average total assets | $641,407,750 | 1,400 |
| Average earning assets | $616,826,500 | 1,365 |
| Average equity | $57,146,750 | 1,471 |
| Average total loans | $411,941,750 | 1,351 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5569% | 1,970 |
| Cost of funding earning assets | 0.0264% | 4,700 |
| Net interest margin | 3.5305% | 1,232 |
| Noninterest income to average assets | 1.3977% | 372 |
| Noninterest expense to average assets | 3.1283% | 702 |
| Loan and lease loss provision to assets | 0.1973% | 420 |
| Net operating income to assets | 1.3987% | 911 |
| Return on assets (ROA) | 1.3987% | 885 |
| Pretax return on assets | 1.4669% | 1,264 |
| Return on Equity (ROE) | 15.5433% | 790 |
| Retained earnings to average equity (ytd only) | -1.8477% | 4,369 |
| Net charge-offs to loans | 0.0305% | 1,114 |
| Credit loss provision to net charge-offs | 1,032.7869% | 391 |
| Earnings coverage of net charge-offs (x) | 87.1311% | 887 |
| Efficiency ratio | 64.5041% | 2,706 |
| Assets per employee ($millions) | 4.5007% | 4,067 |
| Cash dividends to net income (ytd only)* | 111.8872% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4721% | 1,482 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0663% | 3,312 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 66.2929% | 1,657 |
| Net loans and leases to deposits | 73.7411% | 1,894 |
| Net loans and leases to core deposits | 74.3832% | 2,140 |
| Total domestic deposits to total assets | 89.8995% | 1,750 |
| Equity capital to assets | 8.5307% | 2,737 |
| Core capital (leverage) ratio | 9.4073% | 3,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4295% | 2,325 |
| Memoranda: | ||
| Average total assets | $638,756,667 | 1,411 |
| Average earning assets | $614,185,667 | 1,378 |
| Average equity | $57,478,000 | 1,491 |
| Average total loans | $399,826,667 | 1,378 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4215% | 2,027 |
| Cost of funding earning assets | 0.0267% | 4,719 |
| Net interest margin | 3.3948% | 1,309 |
| Noninterest income to average assets | 1.3549% | 406 |
| Noninterest expense to average assets | 3.0825% | 704 |
| Loan and lease loss provision to assets | 0.1409% | 569 |
| Net operating income to assets | 1.3956% | 808 |
| Return on assets (ROA) | 1.3956% | 803 |
| Pretax return on assets | 1.3956% | 1,267 |
| Return on Equity (ROE) | 15.1161% | 627 |
| Retained earnings to average equity (ytd only) | -18.7934% | 4,687 |
| Net charge-offs to loans | 0.0634% | 691 |
| Credit loss provision to net charge-offs | 368.8525% | 607 |
| Earnings coverage of net charge-offs (x) | 40.2131% | 1,005 |
| Efficiency ratio | 65.9344% | 2,778 |
| Assets per employee ($millions) | 4.4618% | 4,158 |
| Cash dividends to net income (ytd only)* | 224.3268% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5239% | 1,483 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0920% | 3,162 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 60.0074% | 2,066 |
| Net loans and leases to deposits | 66.8922% | 2,252 |
| Net loans and leases to core deposits | 67.3185% | 2,507 |
| Total domestic deposits to total assets | 89.7076% | 1,714 |
| Equity capital to assets | 8.7210% | 2,956 |
| Core capital (leverage) ratio | 8.9616% | 3,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2343% | 2,101 |
| Memoranda: | ||
| Average total assets | $638,582,500 | 1,418 |
| Average earning assets | $613,991,000 | 1,382 |
| Average equity | $58,957,000 | 1,508 |
| Average total loans | $384,734,500 | 1,419 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6787% | 2,179 |
| Cost of funding earning assets | 0.0377% | 4,738 |
| Net interest margin | 3.6409% | 1,363 |
| Noninterest income to average assets | 1.3228% | 615 |
| Noninterest expense to average assets | 3.0819% | 869 |
| Loan and lease loss provision to assets | 0.0373% | 2,297 |
| Net operating income to assets | 1.6917% | 643 |
| Return on assets (ROA) | 1.6917% | 668 |
| Pretax return on assets | 1.6917% | 1,170 |
| Return on Equity (ROE) | 17.2844% | 547 |
| Retained earnings to average equity (ytd only) | 12.7472% | 431 |
| Net charge-offs to loans | -0.0766% | 4,498 |
| Credit loss provision to net charge-offs | -79.7872% | 3,323 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4461% | 2,651 |
| Assets per employee ($millions) | 4.5009% | 4,113 |
| Cash dividends to net income (ytd only)* | 26.2502% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5134% | 1,502 |
| Loan loss allowance to noncurrent loans | 2,259.2157% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.3585% | 1,793 |
| Noncurrent loans to loans | 0.0670% | 3,608 |
| Net loans and leases to total assets | 58.6601% | 2,310 |
| Net loans and leases to deposits | 66.2272% | 2,492 |
| Net loans and leases to core deposits | 66.6087% | 2,767 |
| Total domestic deposits to total assets | 88.5741% | 1,753 |
| Equity capital to assets | 9.7431% | 2,895 |
| Core capital (leverage) ratio | 9.4212% | 2,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1378% | 1,800 |
| Memoranda: | ||
| Average total assets | $602,818,600 | 1,448 |
| Average earning assets | $577,520,400 | 1,420 |
| Average equity | $59,001,200 | 1,530 |
| Average total loans | $368,112,400 | 1,466 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6910% | 2,300 |
| Cost of funding earning assets | 0.0399% | 4,814 |
| Net interest margin | 3.6511% | 1,460 |
| Noninterest income to average assets | 1.2825% | 708 |
| Noninterest expense to average assets | 3.0545% | 888 |
| Loan and lease loss provision to assets | 0.0224% | 2,547 |
| Net operating income to assets | 1.6997% | 828 |
| Return on assets (ROA) | 1.6997% | 867 |
| Pretax return on assets | 1.6997% | 1,401 |
| Return on Equity (ROE) | 17.3446% | 716 |
| Retained earnings to average equity (ytd only) | 11.2102% | 1,007 |
| Net charge-offs to loans | -0.1056% | 4,633 |
| Credit loss provision to net charge-offs | -34.6021% | 3,111 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3868% | 2,476 |
| Assets per employee ($millions) | 4.4650% | 4,149 |
| Cash dividends to net income (ytd only)* | 35.3679% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4803% | 1,708 |
| Loan loss allowance to noncurrent loans | 2,113.4831% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.3882% | 1,894 |
| Noncurrent loans to loans | 0.0700% | 3,744 |
| Net loans and leases to total assets | 59.2321% | 2,348 |
| Net loans and leases to deposits | 66.8090% | 2,557 |
| Net loans and leases to core deposits | 67.2021% | 2,840 |
| Total domestic deposits to total assets | 88.6588% | 1,481 |
| Equity capital to assets | 9.6374% | 3,263 |
| Core capital (leverage) ratio | 9.2278% | 3,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6672% | 2,098 |
| Memoranda: | ||
| Average total assets | $593,741,000 | 1,479 |
| Average earning assets | $568,216,500 | 1,451 |
| Average equity | $58,183,750 | 1,579 |
| Average total loans | $364,971,750 | 1,503 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6924% | 2,356 |
| Cost of funding earning assets | 0.0428% | 4,848 |
| Net interest margin | 3.6496% | 1,465 |
| Noninterest income to average assets | 1.1677% | 843 |
| Noninterest expense to average assets | 3.0329% | 933 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6281% | 989 |
| Return on assets (ROA) | 1.6281% | 1,045 |
| Pretax return on assets | 1.6281% | 1,662 |
| Return on Equity (ROE) | 16.5145% | 858 |
| Retained earnings to average equity (ytd only) | 7.1560% | 2,369 |
| Net charge-offs to loans | -0.0573% | 4,434 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0695% | 2,291 |
| Assets per employee ($millions) | 4.3870% | 4,195 |
| Cash dividends to net income (ytd only)* | 56.6681% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4378% | 1,820 |
| Loan loss allowance to noncurrent loans | 3,644.8980% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.4969% | 1,676 |
| Noncurrent loans to loans | 0.0394% | 3,999 |
| Net loans and leases to total assets | 59.8019% | 2,450 |
| Net loans and leases to deposits | 67.4813% | 2,676 |
| Net loans and leases to core deposits | 67.9610% | 2,963 |
| Total domestic deposits to total assets | 88.6200% | 1,492 |
| Equity capital to assets | 9.4900% | 3,335 |
| Core capital (leverage) ratio | 9.0811% | 3,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7385% | 2,077 |
| Memoranda: | ||
| Average total assets | $580,310,333 | 1,503 |
| Average earning assets | $555,459,333 | 1,472 |
| Average equity | $57,210,333 | 1,594 |
| Average total loans | $359,564,333 | 1,526 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8313% | 2,008 |
| Cost of funding earning assets | 0.0459% | 4,877 |
| Net interest margin | 3.7854% | 1,172 |
| Noninterest income to average assets | 0.8520% | 1,454 |
| Noninterest expense to average assets | 3.0573% | 901 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4221% | 1,519 |
| Return on assets (ROA) | 1.4221% | 1,591 |
| Pretax return on assets | 1.4221% | 2,219 |
| Return on Equity (ROE) | 14.1372% | 1,405 |
| Retained earnings to average equity (ytd only) | -4.7571% | 4,688 |
| Net charge-offs to loans | 0.0079% | 1,621 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 286.1429% | 310 |
| Efficiency ratio | 68.2517% | 1,900 |
| Assets per employee ($millions) | 4.1748% | 4,360 |
| Cash dividends to net income (ytd only)* | 133.6495% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4505% | 1,776 |
| Loan loss allowance to noncurrent loans | 3,199.3902% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.5545% | 1,708 |
| Noncurrent loans to loans | 0.0453% | 4,062 |
| Net loans and leases to total assets | 60.9950% | 2,405 |
| Net loans and leases to deposits | 68.4636% | 2,653 |
| Net loans and leases to core deposits | 69.0899% | 2,958 |
| Total domestic deposits to total assets | 89.0911% | 1,293 |
| Equity capital to assets | 9.5662% | 3,134 |
| Core capital (leverage) ratio | 9.7369% | 2,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7663% | 1,648 |
| Memoranda: | ||
| Average total assets | $563,377,500 | 1,531 |
| Average earning assets | $539,869,000 | 1,498 |
| Average equity | $56,673,000 | 1,594 |
| Average total loans | $353,023,000 | 1,556 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1771% | 2,209 |
| Cost of funding earning assets | 0.0594% | 4,928 |
| Net interest margin | 4.1178% | 756 |
| Noninterest income to average assets | 0.9116% | 1,234 |
| Noninterest expense to average assets | 3.4343% | 752 |
| Loan and lease loss provision to assets | 0.2715% | 1,422 |
| Net operating income to assets | 1.1248% | 1,820 |
| Return on assets (ROA) | 1.1296% | 1,927 |
| Pretax return on assets | 1.1296% | 2,587 |
| Return on Equity (ROE) | 10.1833% | 1,942 |
| Retained earnings to average equity (ytd only) | 5.9742% | 1,804 |
| Net charge-offs to loans | -0.1996% | 4,896 |
| Credit loss provision to net charge-offs | -215.5949% | 3,807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0944% | 1,800 |
| Assets per employee ($millions) | 3.7399% | 4,543 |
| Cash dividends to net income (ytd only)* | 41.3336% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5260% | 1,497 |
| Loan loss allowance to noncurrent loans | 2,902.7624% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.6631% | 1,577 |
| Noncurrent loans to loans | 0.0526% | 4,080 |
| Net loans and leases to total assets | 62.5220% | 2,536 |
| Net loans and leases to deposits | 71.0990% | 2,774 |
| Net loans and leases to core deposits | 71.7952% | 3,095 |
| Total domestic deposits to total assets | 87.9365% | 1,504 |
| Equity capital to assets | 10.5912% | 2,596 |
| Core capital (leverage) ratio | 10.2604% | 2,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7001% | 1,343 |
| Memoranda: | ||
| Average total assets | $493,871,400 | 1,566 |
| Average earning assets | $470,037,200 | 1,537 |
| Average equity | $54,785,600 | 1,565 |
| Average total loans | $311,690,400 | 1,644 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1138% | 2,644 |
| Cost of funding earning assets | 0.0617% | 4,972 |
| Net interest margin | 4.0520% | 1,002 |
| Noninterest income to average assets | 0.9069% | 1,202 |
| Noninterest expense to average assets | 3.5272% | 683 |
| Loan and lease loss provision to assets | 0.3711% | 997 |
| Net operating income to assets | 0.8588% | 2,869 |
| Return on assets (ROA) | 0.8654% | 2,975 |
| Pretax return on assets | 0.8654% | 3,475 |
| Return on Equity (ROE) | 7.7032% | 2,922 |
| Retained earnings to average equity (ytd only) | 2.0225% | 3,926 |
| Net charge-offs to loans | -0.2231% | 4,936 |
| Credit loss provision to net charge-offs | -263.9764% | 3,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1463% | 1,393 |
| Assets per employee ($millions) | 3.8295% | 4,454 |
| Cash dividends to net income (ytd only)* | 73.7448% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4957% | 1,392 |
| Loan loss allowance to noncurrent loans | 2,507.8049% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.7325% | 1,592 |
| Noncurrent loans to loans | 0.0596% | 4,137 |
| Net loans and leases to total assets | 63.1515% | 2,868 |
| Net loans and leases to deposits | 73.6882% | 2,986 |
| Net loans and leases to core deposits | 74.6025% | 3,278 |
| Total domestic deposits to total assets | 85.7009% | 2,178 |
| Equity capital to assets | 10.3375% | 2,930 |
| Core capital (leverage) ratio | 10.1210% | 2,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8307% | 1,295 |
| Memoranda: | ||
| Average total assets | $481,767,000 | 1,582 |
| Average earning assets | $457,765,250 | 1,551 |
| Average equity | $54,123,250 | 1,571 |
| Average total loans | $303,537,000 | 1,666 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1699% | 2,851 |
| Cost of funding earning assets | 0.0623% | 5,014 |
| Net interest margin | 4.1076% | 1,095 |
| Noninterest income to average assets | 0.8908% | 1,191 |
| Noninterest expense to average assets | 3.5299% | 723 |
| Loan and lease loss provision to assets | 0.2010% | 2,041 |
| Net operating income to assets | 1.0538% | 2,132 |
| Return on assets (ROA) | 1.0642% | 2,221 |
| Pretax return on assets | 1.0642% | 2,824 |
| Return on Equity (ROE) | 9.1898% | 2,282 |
| Retained earnings to average equity (ytd only) | 0.5997% | 4,187 |
| Net charge-offs to loans | -0.2495% | 4,962 |
| Credit loss provision to net charge-offs | -128.7293% | 3,422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7739% | 1,486 |
| Assets per employee ($millions) | 3.6320% | 4,586 |
| Cash dividends to net income (ytd only)* | 93.4739% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1985% | 2,525 |
| Loan loss allowance to noncurrent loans | 1,889.9083% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.7361% | 1,678 |
| Noncurrent loans to loans | 0.0634% | 4,223 |
| Net loans and leases to total assets | 66.7948% | 2,523 |
| Net loans and leases to deposits | 78.4624% | 2,606 |
| Net loans and leases to core deposits | 79.1671% | 3,015 |
| Total domestic deposits to total assets | 85.1296% | 2,339 |
| Equity capital to assets | 10.8393% | 2,471 |
| Core capital (leverage) ratio | 10.5117% | 2,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3371% | 1,403 |
| Memoranda: | ||
| Average total assets | $463,645,000 | 1,616 |
| Average earning assets | $439,530,333 | 1,580 |
| Average equity | $53,690,000 | 1,567 |
| Average total loans | $290,143,667 | 1,709 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1916% | 3,241 |
| Cost of funding earning assets | 0.0603% | 5,072 |
| Net interest margin | 4.1313% | 1,072 |
| Noninterest income to average assets | 0.9546% | 944 |
| Noninterest expense to average assets | 3.7912% | 631 |
| Loan and lease loss provision to assets | 0.1133% | 2,266 |
| Net operating income to assets | 0.9646% | 2,301 |
| Return on assets (ROA) | 0.9863% | 2,324 |
| Pretax return on assets | 0.9863% | 2,881 |
| Return on Equity (ROE) | 8.2148% | 2,424 |
| Retained earnings to average equity (ytd only) | -9.1964% | 4,735 |
| Net charge-offs to loans | -0.5575% | 5,032 |
| Credit loss provision to net charge-offs | -34.0599% | 3,122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8626% | 1,355 |
| Assets per employee ($millions) | 3.1809% | 4,701 |
| Cash dividends to net income (ytd only)* | 211.9485% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3699% | 1,810 |
| Loan loss allowance to noncurrent loans | 1,638.0952% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.8381% | 1,601 |
| Noncurrent loans to loans | 0.0836% | 4,180 |
| Net loans and leases to total assets | 60.7441% | 3,426 |
| Net loans and leases to deposits | 71.8063% | 3,446 |
| Net loans and leases to core deposits | 72.6357% | 3,723 |
| Total domestic deposits to total assets | 84.5943% | 2,571 |
| Equity capital to assets | 11.8327% | 2,195 |
| Core capital (leverage) ratio | 11.7018% | 1,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7257% | 1,416 |
| Memoranda: | ||
| Average total assets | $441,230,500 | 1,645 |
| Average earning assets | $418,077,500 | 1,606 |
| Average equity | $52,977,500 | 1,575 |
| Average total loans | $263,338,500 | 1,794 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1516% | 3,924 |
| Cost of funding earning assets | 0.0743% | 5,131 |
| Net interest margin | 4.0773% | 1,599 |
| Noninterest income to average assets | 0.9551% | 1,068 |
| Noninterest expense to average assets | 3.5913% | 859 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2037% | 2,042 |
| Return on assets (ROA) | 1.1904% | 2,189 |
| Pretax return on assets | 1.1904% | 2,872 |
| Return on Equity (ROE) | 10.3089% | 2,157 |
| Retained earnings to average equity (ytd only) | 5.0947% | 2,370 |
| Net charge-offs to loans | -0.1299% | 4,993 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8963% | 1,503 |
| Assets per employee ($millions) | 3.0347% | 4,812 |
| Cash dividends to net income (ytd only)* | 50.5797% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3144% | 1,856 |
| Loan loss allowance to noncurrent loans | 1,354.7325% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.8690% | 1,476 |
| Noncurrent loans to loans | 0.0970% | 4,138 |
| Net loans and leases to total assets | 56.9553% | 3,852 |
| Net loans and leases to deposits | 65.9831% | 3,956 |
| Net loans and leases to core deposits | 66.7544% | 4,148 |
| Total domestic deposits to total assets | 86.3180% | 1,927 |
| Equity capital to assets | 12.1867% | 2,024 |
| Core capital (leverage) ratio | 12.0883% | 1,722 |
| Tier 1 risk-based capital ratio | 17.1145% | 2,020 |
| Total risk-based capital ratio | 18.2430% | 2,002 |
| Memoranda: | ||
| Average total assets | $427,507,200 | 1,639 |
| Average earning assets | $402,618,600 | 1,613 |
| Average equity | $49,365,200 | 1,621 |
| Average total loans | $230,113,200 | 1,954 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0931% | 4,168 |
| Cost of funding earning assets | 0.0773% | 5,202 |
| Net interest margin | 4.0158% | 1,886 |
| Noninterest income to average assets | 0.8816% | 1,184 |
| Noninterest expense to average assets | 3.5128% | 930 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1430% | 2,397 |
| Return on assets (ROA) | 1.1060% | 2,639 |
| Pretax return on assets | 1.1060% | 3,279 |
| Return on Equity (ROE) | 9.7154% | 2,560 |
| Retained earnings to average equity (ytd only) | 2.6344% | 4,034 |
| Net charge-offs to loans | -0.1766% | 5,095 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4505% | 1,396 |
| Assets per employee ($millions) | 3.2758% | 4,688 |
| Cash dividends to net income (ytd only)* | 72.8843% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3936% | 1,604 |
| Loan loss allowance to noncurrent loans | 1,265.3846% | 487 |
| Noncurrent assets plus other real estate owned to assets | 1.6420% | 632 |
| Noncurrent loans to loans | 0.1101% | 4,151 |
| Net loans and leases to total assets | 53.8363% | 4,194 |
| Net loans and leases to deposits | 62.1305% | 4,284 |
| Net loans and leases to core deposits | 62.8559% | 4,429 |
| Total domestic deposits to total assets | 86.6503% | 1,711 |
| Equity capital to assets | 11.8520% | 2,373 |
| Core capital (leverage) ratio | 11.8738% | 1,944 |
| Tier 1 risk-based capital ratio | 16.6792% | 2,195 |
| Total risk-based capital ratio | 17.8196% | 2,167 |
| Memoranda: | ||
| Average total assets | $425,894,500 | 1,653 |
| Average earning assets | $400,273,000 | 1,626 |
| Average equity | $48,485,250 | 1,646 |
| Average total loans | $225,028,000 | 2,004 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0682% | 4,236 |
| Cost of funding earning assets | 0.0779% | 5,248 |
| Net interest margin | 3.9904% | 1,955 |
| Noninterest income to average assets | 0.7864% | 1,391 |
| Noninterest expense to average assets | 3.4541% | 1,019 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0804% | 2,598 |
| Return on assets (ROA) | 1.0804% | 2,669 |
| Pretax return on assets | 1.0804% | 3,287 |
| Return on Equity (ROE) | 9.6249% | 2,574 |
| Retained earnings to average equity (ytd only) | -1.2026% | 4,847 |
| Net charge-offs to loans | -0.2666% | 5,170 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1736% | 1,372 |
| Assets per employee ($millions) | 3.1763% | 4,785 |
| Cash dividends to net income (ytd only)* | 112.4945% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5021% | 1,271 |
| Loan loss allowance to noncurrent loans | 1,195.6364% | 507 |
| Noncurrent assets plus other real estate owned to assets | 1.8286% | 546 |
| Noncurrent loans to loans | 0.1256% | 4,112 |
| Net loans and leases to total assets | 51.4226% | 4,391 |
| Net loans and leases to deposits | 59.2816% | 4,465 |
| Net loans and leases to core deposits | 59.9416% | 4,577 |
| Total domestic deposits to total assets | 86.7428% | 1,709 |
| Equity capital to assets | 11.8433% | 2,305 |
| Core capital (leverage) ratio | 11.6170% | 2,082 |
| Tier 1 risk-based capital ratio | 17.4051% | 1,966 |
| Total risk-based capital ratio | 18.6247% | 1,933 |
| Memoranda: | ||
| Average total assets | $423,726,000 | 1,665 |
| Average earning assets | $398,009,000 | 1,639 |
| Average equity | $47,564,330 | 1,662 |
| Average total loans | $221,344,670 | 2,039 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0440% | 4,275 |
| Cost of funding earning assets | 0.0819% | 5,304 |
| Net interest margin | 3.9620% | 1,977 |
| Noninterest income to average assets | 0.9137% | 1,017 |
| Noninterest expense to average assets | 3.3572% | 1,175 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2800% | 1,775 |
| Return on assets (ROA) | 1.2800% | 1,816 |
| Pretax return on assets | 1.2800% | 2,530 |
| Return on Equity (ROE) | 11.7201% | 1,646 |
| Retained earnings to average equity (ytd only) | -10.4217% | 5,122 |
| Net charge-offs to loans | -0.5248% | 5,273 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3977% | 1,975 |
| Assets per employee ($millions) | 3.4814% | 4,579 |
| Cash dividends to net income (ytd only)* | 188.9215% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4816% | 1,392 |
| Loan loss allowance to noncurrent loans | 1,128.8660% | 546 |
| Noncurrent assets plus other real estate owned to assets | 1.9208% | 530 |
| Noncurrent loans to loans | 0.1312% | 4,147 |
| Net loans and leases to total assets | 51.0121% | 4,405 |
| Net loans and leases to deposits | 58.0678% | 4,497 |
| Net loans and leases to core deposits | 58.7326% | 4,618 |
| Total domestic deposits to total assets | 87.8492% | 1,416 |
| Equity capital to assets | 10.8631% | 2,982 |
| Core capital (leverage) ratio | 11.3775% | 2,230 |
| Tier 1 risk-based capital ratio | 16.8627% | 2,152 |
| Total risk-based capital ratio | 18.0659% | 2,119 |
| Memoranda: | ||
| Average total assets | $425,951,500 | 1,659 |
| Average earning assets | $400,301,000 | 1,634 |
| Average equity | $46,518,500 | 1,683 |
| Average total loans | $222,572,000 | 2,048 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8210% | 4,440 |
| Cost of funding earning assets | 0.0847% | 5,318 |
| Net interest margin | 3.7364% | 2,914 |
| Noninterest income to average assets | 1.1127% | 742 |
| Noninterest expense to average assets | 3.2032% | 1,543 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.4023% | 1,430 |
| Return on assets (ROA) | 1.4023% | 1,416 |
| Pretax return on assets | 1.4023% | 2,131 |
| Return on Equity (ROE) | 13.0202% | 1,344 |
| Retained earnings to average equity (ytd only) | 7.9559% | 1,255 |
| Net charge-offs to loans | -0.0486% | 4,966 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5520% | 2,275 |
| Assets per employee ($millions) | 3.4447% | 4,618 |
| Cash dividends to net income (ytd only)* | 38.8957% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3392% | 1,876 |
| Loan loss allowance to noncurrent loans | 971.4286% | 634 |
| Noncurrent assets plus other real estate owned to assets | 1.9453% | 502 |
| Noncurrent loans to loans | 0.1379% | 4,119 |
| Net loans and leases to total assets | 52.0254% | 4,410 |
| Net loans and leases to deposits | 59.3073% | 4,514 |
| Net loans and leases to core deposits | 60.3653% | 4,613 |
| Total domestic deposits to total assets | 87.7218% | 1,439 |
| Equity capital to assets | 10.9796% | 2,710 |
| Core capital (leverage) ratio | 11.8014% | 1,872 |
| Tier 1 risk-based capital ratio | 17.2397% | 1,979 |
| Total risk-based capital ratio | 18.3373% | 1,981 |
| Memoranda: | ||
| Average total assets | $408,118,200 | 1,681 |
| Average earning assets | $381,520,600 | 1,665 |
| Average equity | $43,954,800 | 1,701 |
| Average total loans | $205,944,000 | 2,129 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7559% | 4,541 |
| Cost of funding earning assets | 0.0845% | 5,384 |
| Net interest margin | 3.6714% | 3,114 |
| Noninterest income to average assets | 1.0842% | 800 |
| Noninterest expense to average assets | 3.1543% | 1,630 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3553% | 1,640 |
| Return on assets (ROA) | 1.3553% | 1,650 |
| Pretax return on assets | 1.3553% | 2,406 |
| Return on Equity (ROE) | 12.6486% | 1,562 |
| Retained earnings to average equity (ytd only) | 6.1350% | 2,589 |
| Net charge-offs to loans | -0.0556% | 4,974 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9459% | 2,193 |
| Assets per employee ($millions) | 3.4878% | 4,575 |
| Cash dividends to net income (ytd only)* | 51.4967% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4378% | 1,563 |
| Loan loss allowance to noncurrent loans | 912.8834% | 645 |
| Noncurrent assets plus other real estate owned to assets | 2.5882% | 331 |
| Noncurrent loans to loans | 0.1575% | 4,169 |
| Net loans and leases to total assets | 49.9940% | 4,596 |
| Net loans and leases to deposits | 56.9014% | 4,702 |
| Net loans and leases to core deposits | 58.0014% | 4,787 |
| Total domestic deposits to total assets | 87.8608% | 1,302 |
| Equity capital to assets | 10.8304% | 2,818 |
| Core capital (leverage) ratio | 11.8430% | 1,883 |
| Tier 1 risk-based capital ratio | 17.6598% | 1,881 |
| Total risk-based capital ratio | 18.8047% | 1,872 |
| Memoranda: | ||
| Average total assets | $404,224,500 | 1,702 |
| Average earning assets | $377,135,500 | 1,693 |
| Average equity | $43,313,500 | 1,724 |
| Average total loans | $201,575,000 | 2,170 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7430% | 4,483 |
| Cost of funding earning assets | 0.0835% | 5,436 |
| Net interest margin | 3.6595% | 3,081 |
| Noninterest income to average assets | 1.0160% | 927 |
| Noninterest expense to average assets | 3.1111% | 1,757 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3188% | 1,703 |
| Return on assets (ROA) | 1.3188% | 1,701 |
| Pretax return on assets | 1.3188% | 2,434 |
| Return on Equity (ROE) | 12.3526% | 1,600 |
| Retained earnings to average equity (ytd only) | 4.1423% | 3,543 |
| Net charge-offs to loans | -0.0240% | 4,648 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2297% | 2,271 |
| Assets per employee ($millions) | 3.4637% | 4,644 |
| Cash dividends to net income (ytd only)* | 66.4659% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4706% | 1,483 |
| Loan loss allowance to noncurrent loans | 852.6316% | 692 |
| Noncurrent assets plus other real estate owned to assets | 2.6367% | 319 |
| Noncurrent loans to loans | 0.1725% | 4,135 |
| Net loans and leases to total assets | 48.6243% | 4,679 |
| Net loans and leases to deposits | 55.1694% | 4,792 |
| Net loans and leases to core deposits | 56.2471% | 4,857 |
| Total domestic deposits to total assets | 88.1363% | 1,308 |
| Equity capital to assets | 10.7479% | 2,893 |
| Core capital (leverage) ratio | 11.6664% | 1,929 |
| Tier 1 risk-based capital ratio | 18.2216% | 1,744 |
| Total risk-based capital ratio | 19.3972% | 1,716 |
| Memoranda: | ||
| Average total assets | $402,941,000 | 1,713 |
| Average earning assets | $375,897,670 | 1,704 |
| Average equity | $43,019,330 | 1,741 |
| Average total loans | $199,770,330 | 2,190 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7414% | 4,377 |
| Cost of funding earning assets | 0.0839% | 5,494 |
| Net interest margin | 3.6575% | 2,963 |
| Noninterest income to average assets | 0.9417% | 1,043 |
| Noninterest expense to average assets | 3.0472% | 1,954 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3065% | 1,621 |
| Return on assets (ROA) | 1.3065% | 1,627 |
| Pretax return on assets | 1.3065% | 2,340 |
| Return on Equity (ROE) | 12.2785% | 1,484 |
| Retained earnings to average equity (ytd only) | -4.1736% | 5,152 |
| Net charge-offs to loans | 0.0239% | 2,026 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 109.8333% | 570 |
| Efficiency ratio | 69.9909% | 2,483 |
| Assets per employee ($millions) | 3.5282% | 4,634 |
| Cash dividends to net income (ytd only)* | 133.9909% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4169% | 1,775 |
| Loan loss allowance to noncurrent loans | 800.0000% | 722 |
| Noncurrent assets plus other real estate owned to assets | 2.6157% | 342 |
| Noncurrent loans to loans | 0.1771% | 4,178 |
| Net loans and leases to total assets | 49.3854% | 4,602 |
| Net loans and leases to deposits | 55.7166% | 4,712 |
| Net loans and leases to core deposits | 56.7415% | 4,807 |
| Total domestic deposits to total assets | 88.6368% | 1,291 |
| Equity capital to assets | 10.3524% | 3,216 |
| Core capital (leverage) ratio | 11.2639% | 2,196 |
| Tier 1 risk-based capital ratio | 17.3528% | 2,014 |
| Total risk-based capital ratio | 18.4840% | 2,002 |
| Memoranda: | ||
| Average total assets | $403,517,000 | 1,720 |
| Average earning assets | $376,433,500 | 1,716 |
| Average equity | $42,937,000 | 1,757 |
| Average total loans | $200,514,000 | 2,192 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4782% | 4,815 |
| Cost of funding earning assets | 0.0769% | 5,555 |
| Net interest margin | 3.4012% | 3,855 |
| Noninterest income to average assets | 0.9778% | 1,074 |
| Noninterest expense to average assets | 3.0129% | 2,142 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1185% | 1,800 |
| Return on assets (ROA) | 1.1147% | 1,835 |
| Pretax return on assets | 1.1147% | 3,124 |
| Return on Equity (ROE) | 10.2879% | 1,773 |
| Retained earnings to average equity (ytd only) | 7.1030% | 1,041 |
| Net charge-offs to loans | 0.0088% | 3,777 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 260.0588% | 322 |
| Efficiency ratio | 72.9271% | 2,074 |
| Assets per employee ($millions) | 3.5201% | 4,668 |
| Cash dividends to net income (ytd only)* | 30.9578% | 3,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4623% | 1,537 |
| Loan loss allowance to noncurrent loans | 771.2000% | 785 |
| Noncurrent assets plus other real estate owned to assets | 2.8174% | 305 |
| Noncurrent loans to loans | 0.1896% | 4,158 |
| Net loans and leases to total assets | 48.5628% | 4,733 |
| Net loans and leases to deposits | 55.1264% | 4,845 |
| Net loans and leases to core deposits | 55.8357% | 4,938 |
| Total domestic deposits to total assets | 88.0935% | 1,449 |
| Equity capital to assets | 10.9322% | 2,702 |
| Core capital (leverage) ratio | 11.5676% | 1,896 |
| Tier 1 risk-based capital ratio | 18.0206% | 1,802 |
| Total risk-based capital ratio | 19.1886% | 1,763 |
| Memoranda: | ||
| Average total assets | $395,264,000 | 1,720 |
| Average earning assets | $366,485,800 | 1,729 |
| Average equity | $42,827,000 | 1,739 |
| Average total loans | $192,261,800 | 2,224 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4425% | 4,901 |
| Cost of funding earning assets | 0.0760% | 5,625 |
| Net interest margin | 3.3665% | 3,966 |
| Noninterest income to average assets | 1.0206% | 988 |
| Noninterest expense to average assets | 2.9957% | 2,120 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1431% | 1,905 |
| Return on assets (ROA) | 1.1381% | 1,979 |
| Pretax return on assets | 1.1381% | 3,161 |
| Return on Equity (ROE) | 10.5276% | 1,892 |
| Retained earnings to average equity (ytd only) | 6.2552% | 2,086 |
| Net charge-offs to loans | 0.0251% | 2,942 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 93.7754% | 723 |
| Efficiency ratio | 72.3799% | 2,158 |
| Assets per employee ($millions) | 3.5478% | 4,653 |
| Cash dividends to net income (ytd only)* | 40.5831% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4850% | 1,596 |
| Loan loss allowance to noncurrent loans | 731.0433% | 765 |
| Noncurrent assets plus other real estate owned to assets | 2.8942% | 320 |
| Noncurrent loans to loans | 0.2031% | 4,269 |
| Net loans and leases to total assets | 47.5419% | 4,857 |
| Net loans and leases to deposits | 54.0123% | 4,964 |
| Net loans and leases to core deposits | 54.8204% | 5,049 |
| Total domestic deposits to total assets | 88.0207% | 1,352 |
| Equity capital to assets | 10.9651% | 2,898 |
| Core capital (leverage) ratio | 11.3311% | 2,160 |
| Tier 1 risk-based capital ratio | 18.1665% | 1,812 |
| Total risk-based capital ratio | 19.3637% | 1,782 |
| Memoranda: | ||
| Average total assets | $393,756,750 | 1,742 |
| Average earning assets | $364,723,250 | 1,746 |
| Average equity | $42,566,250 | 1,763 |
| Average total loans | $190,884,500 | 2,244 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4066% | 4,961 |
| Cost of funding earning assets | 0.0735% | 5,672 |
| Net interest margin | 3.3331% | 4,008 |
| Noninterest income to average assets | 1.0716% | 876 |
| Noninterest expense to average assets | 2.9931% | 2,133 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1610% | 1,734 |
| Return on assets (ROA) | 1.1534% | 1,814 |
| Pretax return on assets | 1.1534% | 2,964 |
| Return on Equity (ROE) | 10.7217% | 1,750 |
| Retained earnings to average equity (ytd only) | 4.2421% | 3,185 |
| Net charge-offs to loans | 0.0284% | 2,644 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 84.1481% | 742 |
| Efficiency ratio | 72.0507% | 2,334 |
| Assets per employee ($millions) | 3.4773% | 4,754 |
| Cash dividends to net income (ytd only)* | 60.4342% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4942% | 1,593 |
| Loan loss allowance to noncurrent loans | 699.5146% | 780 |
| Noncurrent assets plus other real estate owned to assets | 3.2380% | 267 |
| Noncurrent loans to loans | 0.2136% | 4,265 |
| Net loans and leases to total assets | 47.9291% | 4,828 |
| Net loans and leases to deposits | 54.4707% | 4,936 |
| Net loans and leases to core deposits | 55.1800% | 5,038 |
| Total domestic deposits to total assets | 87.9906% | 1,461 |
| Equity capital to assets | 10.8391% | 2,985 |
| Core capital (leverage) ratio | 11.1338% | 2,288 |
| Tier 1 risk-based capital ratio | 17.5601% | 1,987 |
| Total risk-based capital ratio | 18.7482% | 1,965 |
| Memoranda: | ||
| Average total assets | $391,373,330 | 1,757 |
| Average earning assets | $361,943,330 | 1,756 |
| Average equity | $42,101,670 | 1,777 |
| Average total loans | $190,022,000 | 2,257 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3820% | 4,971 |
| Cost of funding earning assets | 0.0713% | 5,742 |
| Net interest margin | 3.3107% | 3,969 |
| Noninterest income to average assets | 1.0852% | 846 |
| Noninterest expense to average assets | 2.9790% | 2,213 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1645% | 1,616 |
| Return on assets (ROA) | 1.1747% | 1,614 |
| Pretax return on assets | 1.1747% | 2,693 |
| Return on Equity (ROE) | 10.9627% | 1,582 |
| Retained earnings to average equity (ytd only) | -2.1311% | 5,179 |
| Net charge-offs to loans | 0.0170% | 2,451 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 141.5000% | 386 |
| Efficiency ratio | 71.8967% | 2,594 |
| Assets per employee ($millions) | 3.5488% | 4,725 |
| Cash dividends to net income (ytd only)* | 119.4396% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5287% | 1,592 |
| Loan loss allowance to noncurrent loans | 456.8504% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 3.6734% | 223 |
| Noncurrent loans to loans | 0.3346% | 3,903 |
| Net loans and leases to total assets | 47.4397% | 4,861 |
| Net loans and leases to deposits | 53.7098% | 4,951 |
| Net loans and leases to core deposits | 54.3313% | 5,046 |
| Total domestic deposits to total assets | 88.3259% | 1,521 |
| Equity capital to assets | 10.5815% | 3,086 |
| Core capital (leverage) ratio | 11.0896% | 2,278 |
| Tier 1 risk-based capital ratio | 17.3712% | 2,076 |
| Total risk-based capital ratio | 18.5850% | 2,030 |
| Memoranda: | ||
| Average total assets | $388,852,500 | 1,777 |
| Average earning assets | $359,200,500 | 1,779 |
| Average equity | $41,668,500 | 1,787 |
| Average total loans | $188,593,000 | 2,287 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3821% | 5,018 |
| Cost of funding earning assets | 0.0739% | 5,796 |
| Net interest margin | 3.3082% | 4,116 |
| Noninterest income to average assets | 0.9868% | 1,178 |
| Noninterest expense to average assets | 3.0441% | 2,207 |
| Loan and lease loss provision to assets | -0.2576% | 5,816 |
| Net operating income to assets | 1.2303% | 1,408 |
| Return on assets (ROA) | 1.2293% | 1,501 |
| Pretax return on assets | 1.2293% | 2,555 |
| Return on Equity (ROE) | 11.1020% | 1,547 |
| Retained earnings to average equity (ytd only) | 9.2937% | 526 |
| Net charge-offs to loans | -0.3022% | 5,797 |
| Credit loss provision to net charge-offs | 175.9704% | 1,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7831% | 2,016 |
| Assets per employee ($millions) | 3.4890% | 4,778 |
| Cash dividends to net income (ytd only)* | 16.2888% | 3,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5517% | 1,501 |
| Loan loss allowance to noncurrent loans | 458.6751% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 3.9146% | 197 |
| Noncurrent loans to loans | 0.3383% | 3,926 |
| Net loans and leases to total assets | 48.0745% | 4,892 |
| Net loans and leases to deposits | 54.5753% | 4,987 |
| Net loans and leases to core deposits | 55.0191% | 5,099 |
| Total domestic deposits to total assets | 88.0883% | 1,590 |
| Equity capital to assets | 10.8536% | 2,758 |
| Core capital (leverage) ratio | 11.2785% | 2,103 |
| Tier 1 risk-based capital ratio | 17.4983% | 2,009 |
| Total risk-based capital ratio | 18.7179% | 1,976 |
| Memoranda: | ||
| Average total assets | $369,570,200 | 1,812 |
| Average earning assets | $338,492,200 | 1,837 |
| Average equity | $40,920,400 | 1,814 |
| Average total loans | $179,008,600 | 2,324 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3788% | 5,064 |
| Cost of funding earning assets | 0.0745% | 5,861 |
| Net interest margin | 3.3043% | 4,171 |
| Noninterest income to average assets | 1.1752% | 837 |
| Noninterest expense to average assets | 3.1204% | 1,976 |
| Loan and lease loss provision to assets | -0.2011% | 5,871 |
| Net operating income to assets | 1.2757% | 1,363 |
| Return on assets (ROA) | 1.2742% | 1,471 |
| Pretax return on assets | 1.2742% | 2,528 |
| Return on Equity (ROE) | 11.4488% | 1,508 |
| Retained earnings to average equity (ytd only) | 9.0268% | 809 |
| Net charge-offs to loans | -0.4130% | 5,873 |
| Credit loss provision to net charge-offs | 100.7299% | 2,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3835% | 2,206 |
| Assets per employee ($millions) | 3.4737% | 4,808 |
| Cash dividends to net income (ytd only)* | 21.1549% | 3,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7989% | 1,015 |
| Loan loss allowance to noncurrent loans | 755.3531% | 758 |
| Noncurrent assets plus other real estate owned to assets | 4.0363% | 205 |
| Noncurrent loans to loans | 0.2382% | 4,417 |
| Net loans and leases to total assets | 47.3734% | 5,005 |
| Net loans and leases to deposits | 54.0196% | 5,112 |
| Net loans and leases to core deposits | 54.4621% | 5,210 |
| Total domestic deposits to total assets | 87.6967% | 1,558 |
| Equity capital to assets | 11.1487% | 2,859 |
| Core capital (leverage) ratio | 11.2048% | 2,266 |
| Tier 1 risk-based capital ratio | 17.3448% | 2,118 |
| Total risk-based capital ratio | 18.5968% | 2,078 |
| Memoranda: | ||
| Average total assets | $366,015,250 | 1,832 |
| Average earning assets | $334,504,250 | 1,858 |
| Average equity | $40,736,750 | 1,836 |
| Average total loans | $176,907,500 | 2,346 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3869% | 5,111 |
| Cost of funding earning assets | 0.0765% | 5,937 |
| Net interest margin | 3.3103% | 4,194 |
| Noninterest income to average assets | 1.4097% | 582 |
| Noninterest expense to average assets | 3.1748% | 1,875 |
| Loan and lease loss provision to assets | -0.3061% | 5,980 |
| Net operating income to assets | 1.5627% | 785 |
| Return on assets (ROA) | 1.5605% | 831 |
| Pretax return on assets | 1.5605% | 1,489 |
| Return on Equity (ROE) | 14.0294% | 823 |
| Retained earnings to average equity (ytd only) | 10.3401% | 537 |
| Net charge-offs to loans | -0.6318% | 5,962 |
| Credit loss provision to net charge-offs | 100.1815% | 2,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6431% | 2,725 |
| Assets per employee ($millions) | 3.3542% | 4,991 |
| Cash dividends to net income (ytd only)* | 26.2971% | 2,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8328% | 1,023 |
| Loan loss allowance to noncurrent loans | 672.0648% | 826 |
| Noncurrent assets plus other real estate owned to assets | 4.3309% | 187 |
| Noncurrent loans to loans | 0.2727% | 4,389 |
| Net loans and leases to total assets | 48.6378% | 4,936 |
| Net loans and leases to deposits | 55.7851% | 5,029 |
| Net loans and leases to core deposits | 56.1764% | 5,155 |
| Total domestic deposits to total assets | 87.1877% | 1,816 |
| Equity capital to assets | 11.5451% | 2,496 |
| Core capital (leverage) ratio | 11.3556% | 2,096 |
| Tier 1 risk-based capital ratio | 17.8935% | 1,963 |
| Total risk-based capital ratio | 19.1465% | 1,921 |
| Memoranda: | ||
| Average total assets | $360,650,670 | 1,859 |
| Average earning assets | $329,214,330 | 1,882 |
| Average equity | $40,115,670 | 1,850 |
| Average total loans | $174,432,000 | 2,368 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2798% | 5,355 |
| Cost of funding earning assets | 0.0760% | 5,999 |
| Net interest margin | 3.2038% | 4,566 |
| Noninterest income to average assets | 1.9990% | 335 |
| Noninterest expense to average assets | 3.1538% | 1,949 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.7634% | 498 |
| Return on assets (ROA) | 1.7578% | 540 |
| Pretax return on assets | 1.7578% | 925 |
| Return on Equity (ROE) | 16.1153% | 523 |
| Retained earnings to average equity (ytd only) | 8.5388% | 1,248 |
| Net charge-offs to loans | -0.0140% | 4,682 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1381% | 4,102 |
| Assets per employee ($millions) | 3.4441% | 4,893 |
| Cash dividends to net income (ytd only)* | 47.0140% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9300% | 925 |
| Loan loss allowance to noncurrent loans | 108.5155% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 5.5590% | 138 |
| Noncurrent loans to loans | 1.7785% | 1,244 |
| Net loans and leases to total assets | 46.7341% | 5,069 |
| Net loans and leases to deposits | 53.2713% | 5,149 |
| Net loans and leases to core deposits | 53.6037% | 5,282 |
| Total domestic deposits to total assets | 87.7284% | 1,794 |
| Equity capital to assets | 11.0820% | 2,848 |
| Core capital (leverage) ratio | 11.2635% | 2,174 |
| Tier 1 risk-based capital ratio | 17.9345% | 1,999 |
| Total risk-based capital ratio | 19.1880% | 1,969 |
| Memoranda: | ||
| Average total assets | $358,171,500 | 1,870 |
| Average earning assets | $326,238,000 | 1,903 |
| Average equity | $39,068,500 | 1,891 |
| Average total loans | $171,076,000 | 2,396 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2622% | 5,411 |
| Cost of funding earning assets | 0.0891% | 6,005 |
| Net interest margin | 3.1731% | 4,704 |
| Noninterest income to average assets | 1.0896% | 989 |
| Noninterest expense to average assets | 3.1148% | 2,187 |
| Loan and lease loss provision to assets | -0.0282% | 5,682 |
| Net operating income to assets | 0.8561% | 3,083 |
| Return on assets (ROA) | 0.8573% | 3,149 |
| Pretax return on assets | 0.8573% | 3,996 |
| Return on Equity (ROE) | 7.8637% | 3,028 |
| Retained earnings to average equity (ytd only) | -0.3915% | 5,572 |
| Net charge-offs to loans | -0.0282% | 5,376 |
| Credit loss provision to net charge-offs | 215.5556% | 1,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0001% | 1,818 |
| Assets per employee ($millions) | 3.5120% | 4,818 |
| Cash dividends to net income (ytd only)* | 104.9780% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9550% | 875 |
| Loan loss allowance to noncurrent loans | 89.2233% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 5.8301% | 145 |
| Noncurrent loans to loans | 2.1911% | 907 |
| Net loans and leases to total assets | 46.9398% | 5,097 |
| Net loans and leases to deposits | 53.2515% | 5,201 |
| Net loans and leases to core deposits | 53.5883% | 5,340 |
| Total domestic deposits to total assets | 88.1472% | 1,559 |
| Equity capital to assets | 10.7302% | 3,099 |
| Core capital (leverage) ratio | 11.1257% | 2,283 |
| Tier 1 risk-based capital ratio | 17.8641% | 2,005 |
| Total risk-based capital ratio | 19.1180% | 1,955 |
| Memoranda: | ||
| Average total assets | $344,453,400 | 1,896 |
| Average earning assets | $309,726,400 | 1,961 |
| Average equity | $37,552,400 | 1,904 |
| Average total loans | $159,561,200 | 2,480 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2421% | 5,522 |
| Cost of funding earning assets | 0.0918% | 6,081 |
| Net interest margin | 3.1503% | 4,819 |
| Noninterest income to average assets | 1.1434% | 916 |
| Noninterest expense to average assets | 3.1526% | 2,076 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8143% | 3,365 |
| Return on assets (ROA) | 0.8158% | 3,443 |
| Pretax return on assets | 0.8158% | 4,288 |
| Return on Equity (ROE) | 7.4529% | 3,371 |
| Retained earnings to average equity (ytd only) | -3.5911% | 5,970 |
| Net charge-offs to loans | -0.0645% | 5,635 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4731% | 1,735 |
| Assets per employee ($millions) | 3.6185% | 4,577 |
| Cash dividends to net income (ytd only)* | 148.1837% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1217% | 743 |
| Loan loss allowance to noncurrent loans | 91.6290% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 6.7186% | 120 |
| Noncurrent loans to loans | 2.3155% | 920 |
| Net loans and leases to total assets | 45.3189% | 5,273 |
| Net loans and leases to deposits | 51.7368% | 5,382 |
| Net loans and leases to core deposits | 52.0693% | 5,499 |
| Total domestic deposits to total assets | 87.5950% | 1,748 |
| Equity capital to assets | 10.8896% | 3,139 |
| Core capital (leverage) ratio | 10.9395% | 2,558 |
| Tier 1 risk-based capital ratio | 17.7882% | 2,094 |
| Total risk-based capital ratio | 19.0426% | 2,057 |
| Memoranda: | ||
| Average total assets | $341,889,250 | 1,925 |
| Average earning assets | $306,418,250 | 2,003 |
| Average equity | $37,425,250 | 1,923 |
| Average total loans | $156,996,500 | 2,517 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2250% | 5,580 |
| Cost of funding earning assets | 0.0938% | 6,155 |
| Net interest margin | 3.1312% | 4,880 |
| Noninterest income to average assets | 1.2029% | 838 |
| Noninterest expense to average assets | 3.1648% | 2,082 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8363% | 3,188 |
| Return on assets (ROA) | 0.8387% | 3,288 |
| Pretax return on assets | 0.8387% | 4,174 |
| Return on Equity (ROE) | 7.6481% | 3,240 |
| Retained earnings to average equity (ytd only) | -9.0367% | 6,158 |
| Net charge-offs to loans | -0.0116% | 4,971 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0972% | 1,901 |
| Assets per employee ($millions) | 3.3855% | 5,007 |
| Cash dividends to net income (ytd only)* | 218.1562% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1209% | 825 |
| Loan loss allowance to noncurrent loans | 107.4357% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 7.1253% | 125 |
| Noncurrent loans to loans | 1.9741% | 1,247 |
| Net loans and leases to total assets | 45.6318% | 5,277 |
| Net loans and leases to deposits | 51.8929% | 5,389 |
| Net loans and leases to core deposits | 52.2334% | 5,523 |
| Total domestic deposits to total assets | 87.9345% | 1,682 |
| Equity capital to assets | 10.8287% | 3,079 |
| Core capital (leverage) ratio | 11.0821% | 2,343 |
| Tier 1 risk-based capital ratio | 17.4379% | 2,239 |
| Total risk-based capital ratio | 18.6918% | 2,196 |
| Memoranda: | ||
| Average total assets | $338,854,000 | 1,960 |
| Average earning assets | $302,819,000 | 2,031 |
| Average equity | $37,159,670 | 1,944 |
| Average total loans | $155,157,000 | 2,551 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2030% | 5,645 |
| Cost of funding earning assets | 0.0957% | 6,221 |
| Net interest margin | 3.1073% | 4,931 |
| Noninterest income to average assets | 1.2238% | 755 |
| Noninterest expense to average assets | 3.2255% | 1,917 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7720% | 3,405 |
| Return on assets (ROA) | 0.7767% | 3,519 |
| Pretax return on assets | 0.7767% | 4,326 |
| Return on Equity (ROE) | 7.0381% | 3,488 |
| Retained earnings to average equity (ytd only) | -26.2720% | 6,321 |
| Net charge-offs to loans | -0.0026% | 4,377 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6882% | 1,804 |
| Assets per employee ($millions) | 3.2751% | 5,283 |
| Cash dividends to net income (ytd only)* | 473.2824% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1414% | 865 |
| Loan loss allowance to noncurrent loans | 97.0647% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 7.4584% | 115 |
| Noncurrent loans to loans | 2.2061% | 1,148 |
| Net loans and leases to total assets | 45.6936% | 5,219 |
| Net loans and leases to deposits | 52.0265% | 5,331 |
| Net loans and leases to core deposits | 52.3287% | 5,465 |
| Total domestic deposits to total assets | 87.8276% | 1,914 |
| Equity capital to assets | 10.8674% | 3,122 |
| Core capital (leverage) ratio | 10.9118% | 2,503 |
| Tier 1 risk-based capital ratio | 17.2845% | 2,385 |
| Total risk-based capital ratio | 18.5383% | 2,339 |
| Memoranda: | ||
| Average total assets | $337,313,500 | 1,974 |
| Average earning assets | $301,093,000 | 2,047 |
| Average equity | $37,226,000 | 1,955 |
| Average total loans | $153,029,500 | 2,582 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4856% | 5,348 |
| Cost of funding earning assets | 0.1148% | 6,275 |
| Net interest margin | 3.3708% | 4,322 |
| Noninterest income to average assets | 0.8302% | 1,750 |
| Noninterest expense to average assets | 3.3265% | 1,861 |
| Loan and lease loss provision to assets | -0.7713% | 6,478 |
| Net operating income to assets | 1.2474% | 1,444 |
| Return on assets (ROA) | 1.2653% | 1,444 |
| Pretax return on assets | 1.2653% | 2,368 |
| Return on Equity (ROE) | 11.8549% | 1,452 |
| Retained earnings to average equity (ytd only) | 10.8432% | 393 |
| Net charge-offs to loans | -0.0120% | 5,592 |
| Credit loss provision to net charge-offs | 13,888.8889% | 19 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4807% | 1,038 |
| Assets per employee ($millions) | 3.2747% | 5,306 |
| Cash dividends to net income (ytd only)* | 8.5345% | 4,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2700% | 752 |
| Loan loss allowance to noncurrent loans | 95.7139% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 7.4737% | 130 |
| Noncurrent loans to loans | 2.3717% | 1,094 |
| Net loans and leases to total assets | 43.0408% | 5,537 |
| Net loans and leases to deposits | 49.1086% | 5,624 |
| Net loans and leases to core deposits | 49.3944% | 5,741 |
| Total domestic deposits to total assets | 87.6441% | 1,960 |
| Equity capital to assets | 11.2046% | 2,687 |
| Core capital (leverage) ratio | 11.7059% | 1,825 |
| Tier 1 risk-based capital ratio | 19.4337% | 1,738 |
| Total risk-based capital ratio | 20.6889% | 1,707 |
| Memoranda: | ||
| Average total assets | $324,124,400 | 2,003 |
| Average earning assets | $285,803,800 | 2,089 |
| Average equity | $34,593,200 | 2,015 |
| Average total loans | $149,688,600 | 2,572 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5276% | 5,327 |
| Cost of funding earning assets | 0.1187% | 6,341 |
| Net interest margin | 3.4089% | 4,199 |
| Noninterest income to average assets | 0.8378% | 1,750 |
| Noninterest expense to average assets | 3.4692% | 1,531 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3649% | 5,382 |
| Return on assets (ROA) | 0.3890% | 5,369 |
| Pretax return on assets | 0.3890% | 5,605 |
| Return on Equity (ROE) | 3.6929% | 5,280 |
| Retained earnings to average equity (ytd only) | 2.3120% | 4,898 |
| Net charge-offs to loans | -0.0231% | 5,656 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4834% | 812 |
| Assets per employee ($millions) | 3.2322% | 5,365 |
| Cash dividends to net income (ytd only)* | 37.3935% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6923% | 201 |
| Loan loss allowance to noncurrent loans | 192.3454% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 7.9592% | 133 |
| Noncurrent loans to loans | 1.9196% | 1,669 |
| Net loans and leases to total assets | 46.5209% | 5,331 |
| Net loans and leases to deposits | 52.5728% | 5,499 |
| Net loans and leases to core deposits | 52.9743% | 5,631 |
| Total domestic deposits to total assets | 88.4885% | 1,505 |
| Equity capital to assets | 10.3728% | 3,710 |
| Core capital (leverage) ratio | 11.0375% | 2,454 |
| Tier 1 risk-based capital ratio | 17.4514% | 2,413 |
| Total risk-based capital ratio | 18.7213% | 2,365 |
| Memoranda: | ||
| Average total assets | $320,833,250 | 2,037 |
| Average earning assets | $281,997,750 | 2,127 |
| Average equity | $33,793,500 | 2,066 |
| Average total loans | $149,974,750 | 2,574 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5599% | 5,259 |
| Cost of funding earning assets | 0.1220% | 6,404 |
| Net interest margin | 3.4379% | 4,024 |
| Noninterest income to average assets | 0.9179% | 1,436 |
| Noninterest expense to average assets | 3.4597% | 1,552 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4719% | 4,927 |
| Return on assets (ROA) | 0.5084% | 4,872 |
| Pretax return on assets | 0.5084% | 5,256 |
| Return on Equity (ROE) | 4.8011% | 4,769 |
| Retained earnings to average equity (ytd only) | 2.7214% | 4,468 |
| Net charge-offs to loans | 0.0014% | 4,353 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 750.0000% | 89 |
| Efficiency ratio | 87.9981% | 1,087 |
| Assets per employee ($millions) | 3.0767% | 5,633 |
| Cash dividends to net income (ytd only)* | 43.3168% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9090% | 183 |
| Loan loss allowance to noncurrent loans | 298.7749% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 8.1184% | 133 |
| Noncurrent loans to loans | 1.3083% | 2,623 |
| Net loans and leases to total assets | 44.9654% | 5,466 |
| Net loans and leases to deposits | 50.9510% | 5,564 |
| Net loans and leases to core deposits | 51.3989% | 5,708 |
| Total domestic deposits to total assets | 88.2523% | 1,759 |
| Equity capital to assets | 10.6586% | 3,241 |
| Core capital (leverage) ratio | 11.2273% | 2,221 |
| Tier 1 risk-based capital ratio | 18.3923% | 2,105 |
| Total risk-based capital ratio | 19.6641% | 2,057 |
| Memoranda: | ||
| Average total assets | $317,884,330 | 2,057 |
| Average earning assets | $278,660,000 | 2,150 |
| Average equity | $33,659,000 | 2,061 |
| Average total loans | $146,883,000 | 2,629 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4028% | 5,641 |
| Cost of funding earning assets | 0.1235% | 6,483 |
| Net interest margin | 3.2792% | 4,626 |
| Noninterest income to average assets | 1.2246% | 734 |
| Noninterest expense to average assets | 3.4958% | 1,495 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6110% | 4,150 |
| Return on assets (ROA) | 0.6843% | 3,839 |
| Pretax return on assets | 0.6843% | 4,541 |
| Return on Equity (ROE) | 6.4840% | 3,760 |
| Retained earnings to average equity (ytd only) | 2.2969% | 4,684 |
| Net charge-offs to loans | -0.0027% | 4,730 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1214% | 1,531 |
| Assets per employee ($millions) | 3.0448% | 5,785 |
| Cash dividends to net income (ytd only)* | 64.5756% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9898% | 191 |
| Loan loss allowance to noncurrent loans | 117.6411% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 9.0483% | 132 |
| Noncurrent loans to loans | 3.3915% | 882 |
| Net loans and leases to total assets | 44.0696% | 5,506 |
| Net loans and leases to deposits | 49.8715% | 5,607 |
| Net loans and leases to core deposits | 50.3094% | 5,737 |
| Total domestic deposits to total assets | 88.3663% | 2,013 |
| Equity capital to assets | 10.4667% | 3,277 |
| Core capital (leverage) ratio | 11.3442% | 2,098 |
| Tier 1 risk-based capital ratio | 18.3632% | 2,158 |
| Total risk-based capital ratio | 19.6348% | 2,119 |
| Memoranda: | ||
| Average total assets | $316,838,000 | 2,068 |
| Average earning assets | $278,478,500 | 2,160 |
| Average equity | $33,436,000 | 2,065 |
| Average total loans | $145,458,500 | 2,648 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6760% | 5,207 |
| Cost of funding earning assets | 0.1598% | 6,495 |
| Net interest margin | 3.5162% | 3,824 |
| Noninterest income to average assets | 1.0077% | 1,382 |
| Noninterest expense to average assets | 3.5401% | 1,567 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5207% | 4,646 |
| Return on assets (ROA) | 0.5436% | 4,662 |
| Pretax return on assets | 0.5436% | 5,062 |
| Return on Equity (ROE) | 5.0253% | 4,620 |
| Retained earnings to average equity (ytd only) | 5.0253% | 2,576 |
| Net charge-offs to loans | 0.3095% | 2,140 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 3.5965% | 3,814 |
| Efficiency ratio | 86.6693% | 1,349 |
| Assets per employee ($millions) | 2.9343% | 5,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0605% | 196 |
| Loan loss allowance to noncurrent loans | 122.2385% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 9.3392% | 144 |
| Noncurrent loans to loans | 3.3218% | 981 |
| Net loans and leases to total assets | 44.0535% | 5,667 |
| Net loans and leases to deposits | 49.9127% | 5,774 |
| Net loans and leases to core deposits | 50.4054% | 5,907 |
| Total domestic deposits to total assets | 88.2612% | 2,023 |
| Equity capital to assets | 10.6409% | 2,985 |
| Core capital (leverage) ratio | 11.2561% | 2,154 |
| Tier 1 risk-based capital ratio | 18.6175% | 2,047 |
| Total risk-based capital ratio | 19.8906% | 1,999 |
| Memoranda: | ||
| Average total assets | $314,959,600 | 2,042 |
| Average earning assets | $273,474,600 | 2,156 |
| Average equity | $34,067,600 | 2,020 |
| Average total loans | $147,355,000 | 2,594 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7527% | 5,025 |
| Cost of funding earning assets | 0.1657% | 6,575 |
| Net interest margin | 3.5870% | 3,508 |
| Noninterest income to average assets | 0.9729% | 1,529 |
| Noninterest expense to average assets | 3.6149% | 1,371 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4623% | 4,963 |
| Return on assets (ROA) | 0.5025% | 4,946 |
| Pretax return on assets | 0.5025% | 5,351 |
| Return on Equity (ROE) | 4.6271% | 4,915 |
| Retained earnings to average equity (ytd only) | 4.6271% | 3,379 |
| Net charge-offs to loans | 0.3933% | 1,632 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 2.5012% | 4,000 |
| Efficiency ratio | 88.2560% | 1,141 |
| Assets per employee ($millions) | 2.9936% | 5,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1327% | 211 |
| Loan loss allowance to noncurrent loans | 102.8727% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 9.6713% | 146 |
| Noncurrent loans to loans | 4.0173% | 869 |
| Net loans and leases to total assets | 42.9343% | 5,823 |
| Net loans and leases to deposits | 48.6571% | 5,921 |
| Net loans and leases to core deposits | 49.1364% | 6,060 |
| Total domestic deposits to total assets | 88.2384% | 1,973 |
| Equity capital to assets | 10.5713% | 3,197 |
| Core capital (leverage) ratio | 11.0368% | 2,443 |
| Tier 1 risk-based capital ratio | 18.4848% | 2,147 |
| Total risk-based capital ratio | 19.7576% | 2,111 |
| Memoranda: | ||
| Average total assets | $315,207,500 | 2,053 |
| Average earning assets | $272,794,500 | 2,165 |
| Average equity | $34,232,250 | 2,023 |
| Average total loans | $148,151,750 | 2,597 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7921% | 4,854 |
| Cost of funding earning assets | 0.1718% | 6,618 |
| Net interest margin | 3.6203% | 3,281 |
| Noninterest income to average assets | 1.0054% | 1,521 |
| Noninterest expense to average assets | 3.6133% | 1,386 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5145% | 4,739 |
| Return on assets (ROA) | 0.6188% | 4,365 |
| Pretax return on assets | 0.6188% | 4,953 |
| Return on Equity (ROE) | 5.6469% | 4,378 |
| Retained earnings to average equity (ytd only) | 5.6469% | 2,645 |
| Net charge-offs to loans | 0.6460% | 1,020 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 1.6680% | 3,974 |
| Efficiency ratio | 87.1360% | 1,310 |
| Assets per employee ($millions) | 3.0123% | 5,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1776% | 221 |
| Loan loss allowance to noncurrent loans | 91.6313% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 10.7737% | 129 |
| Noncurrent loans to loans | 4.5591% | 761 |
| Net loans and leases to total assets | 42.6484% | 5,855 |
| Net loans and leases to deposits | 48.3490% | 5,961 |
| Net loans and leases to core deposits | 48.7420% | 6,092 |
| Total domestic deposits to total assets | 88.2096% | 2,103 |
| Equity capital to assets | 10.6039% | 3,169 |
| Core capital (leverage) ratio | 10.9590% | 2,400 |
| Tier 1 risk-based capital ratio | 18.7450% | 2,063 |
| Total risk-based capital ratio | 20.0193% | 2,023 |
| Memoranda: | ||
| Average total assets | $314,503,330 | 2,063 |
| Average earning assets | $271,250,330 | 2,185 |
| Average equity | $34,461,330 | 2,017 |
| Average total loans | $150,165,000 | 2,571 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8005% | 4,823 |
| Cost of funding earning assets | 0.1740% | 6,704 |
| Net interest margin | 3.6265% | 3,156 |
| Noninterest income to average assets | 1.4572% | 727 |
| Noninterest expense to average assets | 3.6495% | 1,338 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9305% | 2,521 |
| Return on assets (ROA) | 1.1386% | 1,834 |
| Pretax return on assets | 1.1386% | 2,821 |
| Return on Equity (ROE) | 10.2275% | 1,986 |
| Retained earnings to average equity (ytd only) | 10.2275% | 1,051 |
| Net charge-offs to loans | -0.0386% | 6,009 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3237% | 2,422 |
| Assets per employee ($millions) | 2.9918% | 6,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0597% | 274 |
| Loan loss allowance to noncurrent loans | 104.1152% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 11.1823% | 149 |
| Noncurrent loans to loans | 3.8992% | 1,174 |
| Net loans and leases to total assets | 47.1346% | 5,320 |
| Net loans and leases to deposits | 53.5417% | 5,469 |
| Net loans and leases to core deposits | 53.8427% | 5,676 |
| Total domestic deposits to total assets | 88.0335% | 2,286 |
| Equity capital to assets | 11.0246% | 2,936 |
| Core capital (leverage) ratio | 11.0610% | 2,214 |
| Tier 1 risk-based capital ratio | 17.4542% | 2,578 |
| Total risk-based capital ratio | 18.7281% | 2,528 |
| Memoranda: | ||
| Average total assets | $315,115,000 | 2,083 |
| Average earning assets | $271,335,500 | 2,207 |
| Average equity | $35,082,000 | 2,012 |
| Average total loans | $155,530,500 | 2,517 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8934% | 5,588 |
| Cost of funding earning assets | 0.2306% | 6,748 |
| Net interest margin | 3.6629% | 3,815 |
| Noninterest income to average assets | -0.2799% | 6,987 |
| Noninterest expense to average assets | 3.9344% | 1,060 |
| Loan and lease loss provision to assets | 0.0482% | 5,217 |
| Net operating income to assets | -1.1791% | 6,791 |
| Return on assets (ROA) | -1.1890% | 6,803 |
| Pretax return on assets | -1.1890% | 6,779 |
| Return on Equity (ROE) | -10.8096% | 6,742 |
| Retained earnings to average equity (ytd only) | -10.8096% | 6,663 |
| Net charge-offs to loans | 0.1261% | 4,420 |
| Credit loss provision to net charge-offs | 79.3651% | 3,854 |
| Earnings coverage of net charge-offs (x) | -18.6190% | 5,962 |
| Efficiency ratio | 139.7409% | 120 |
| Assets per employee ($millions) | 2.8991% | 6,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0642% | 274 |
| Loan loss allowance to noncurrent loans | 110.4692% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 11.4384% | 165 |
| Noncurrent loans to loans | 3.6790% | 1,319 |
| Net loans and leases to total assets | 47.5721% | 5,455 |
| Net loans and leases to deposits | 54.0398% | 5,644 |
| Net loans and leases to core deposits | 54.1009% | 5,863 |
| Total domestic deposits to total assets | 88.0315% | 2,221 |
| Equity capital to assets | 11.2429% | 2,692 |
| Core capital (leverage) ratio | 10.9845% | 2,270 |
| Tier 1 risk-based capital ratio | 16.8828% | 2,709 |
| Total risk-based capital ratio | 18.1564% | 2,661 |
| Memoranda: | ||
| Average total assets | $311,179,400 | 2,068 |
| Average earning assets | $261,952,800 | 2,215 |
| Average equity | $34,228,800 | 2,021 |
| Average total loans | $149,889,400 | 2,574 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8661% | 5,871 |
| Cost of funding earning assets | 0.2449% | 6,830 |
| Net interest margin | 3.6212% | 4,146 |
| Noninterest income to average assets | -0.7514% | 7,153 |
| Noninterest expense to average assets | 3.9888% | 949 |
| Loan and lease loss provision to assets | 0.0644% | 4,904 |
| Net operating income to assets | -1.7710% | 7,012 |
| Return on assets (ROA) | -1.7835% | 7,023 |
| Pretax return on assets | -1.7835% | 6,998 |
| Return on Equity (ROE) | -16.3046% | 6,947 |
| Retained earnings to average equity (ytd only) | -16.3046% | 6,926 |
| Net charge-offs to loans | 0.3007% | 2,934 |
| Credit loss provision to net charge-offs | 44.7761% | 4,514 |
| Earnings coverage of net charge-offs (x) | -11.8715% | 5,743 |
| Efficiency ratio | 174.0504% | 59 |
| Assets per employee ($millions) | 2.7574% | 6,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0051% | 307 |
| Loan loss allowance to noncurrent loans | 67.4546% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 12.2639% | 155 |
| Noncurrent loans to loans | 5.9375% | 692 |
| Net loans and leases to total assets | 48.2697% | 5,515 |
| Net loans and leases to deposits | 54.6378% | 5,754 |
| Net loans and leases to core deposits | 54.7008% | 5,992 |
| Total domestic deposits to total assets | 88.3447% | 1,816 |
| Equity capital to assets | 10.6908% | 3,620 |
| Core capital (leverage) ratio | 10.1123% | 3,392 |
| Tier 1 risk-based capital ratio | 15.7652% | 3,395 |
| Total risk-based capital ratio | 17.0380% | 3,348 |
| Memoranda: | ||
| Average total assets | $310,698,250 | 2,095 |
| Average earning assets | $260,273,750 | 2,251 |
| Average equity | $33,985,500 | 2,049 |
| Average total loans | $148,546,750 | 2,625 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7577% | 6,234 |
| Cost of funding earning assets | 0.2620% | 6,875 |
| Net interest margin | 3.4957% | 4,684 |
| Noninterest income to average assets | -0.2095% | 7,135 |
| Noninterest expense to average assets | 3.9860% | 956 |
| Loan and lease loss provision to assets | 0.0961% | 4,339 |
| Net operating income to assets | -1.3855% | 6,995 |
| Return on assets (ROA) | -1.4040% | 7,018 |
| Pretax return on assets | -1.4040% | 6,991 |
| Return on Equity (ROE) | -12.7416% | 6,953 |
| Retained earnings to average equity (ytd only) | -12.7416% | 6,906 |
| Net charge-offs to loans | 0.1104% | 4,079 |
| Credit loss provision to net charge-offs | 185.1852% | 1,529 |
| Earnings coverage of net charge-offs (x) | -24.8519% | 5,484 |
| Efficiency ratio | 147.1971% | 110 |
| Assets per employee ($millions) | 2.6582% | 6,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4001% | 251 |
| Loan loss allowance to noncurrent loans | 70.8467% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 14.3293% | 115 |
| Noncurrent loans to loans | 6.2108% | 696 |
| Net loans and leases to total assets | 44.8355% | 5,937 |
| Net loans and leases to deposits | 51.0160% | 6,106 |
| Net loans and leases to core deposits | 51.0741% | 6,296 |
| Total domestic deposits to total assets | 87.8851% | 2,220 |
| Equity capital to assets | 11.1525% | 2,952 |
| Core capital (leverage) ratio | 10.6541% | 2,659 |
| Tier 1 risk-based capital ratio | 16.7425% | 2,790 |
| Total risk-based capital ratio | 18.0173% | 2,731 |
| Memoranda: | ||
| Average total assets | $312,241,670 | 2,077 |
| Average earning assets | $259,574,330 | 2,260 |
| Average equity | $34,407,000 | 2,010 |
| Average total loans | $146,761,670 | 2,656 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6254% | 6,544 |
| Cost of funding earning assets | 0.2855% | 6,887 |
| Net interest margin | 3.3398% | 5,336 |
| Noninterest income to average assets | -0.8362% | 7,276 |
| Noninterest expense to average assets | 3.9916% | 946 |
| Loan and lease loss provision to assets | 0.1918% | 3,032 |
| Net operating income to assets | -2.2528% | 7,175 |
| Return on assets (ROA) | -1.9715% | 7,154 |
| Pretax return on assets | -1.9715% | 7,137 |
| Return on Equity (ROE) | -17.9993% | 7,093 |
| Retained earnings to average equity (ytd only) | -17.9993% | 7,019 |
| Net charge-offs to loans | 0.7581% | 1,351 |
| Credit loss provision to net charge-offs | 53.7634% | 3,225 |
| Earnings coverage of net charge-offs (x) | -5.7778% | 4,672 |
| Efficiency ratio | 205.8940% | 37 |
| Assets per employee ($millions) | 2.6787% | 6,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2513% | 307 |
| Loan loss allowance to noncurrent loans | 67.6307% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 14.2805% | 122 |
| Noncurrent loans to loans | 6.2860% | 770 |
| Net loans and leases to total assets | 44.3205% | 5,976 |
| Net loans and leases to deposits | 50.3387% | 6,114 |
| Net loans and leases to core deposits | 50.4202% | 6,312 |
| Total domestic deposits to total assets | 88.0446% | 2,292 |
| Equity capital to assets | 10.9472% | 2,966 |
| Core capital (leverage) ratio | 10.8148% | 2,428 |
| Tier 1 risk-based capital ratio | 17.1128% | 2,642 |
| Total risk-based capital ratio | 18.3861% | 2,595 |
| Memoranda: | ||
| Average total assets | $312,859,500 | 2,078 |
| Average earning assets | $259,174,500 | 2,287 |
| Average equity | $34,268,000 | 2,018 |
| Average total loans | $147,213,000 | 2,674 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3759% | 5,513 |
| Cost of funding earning assets | 0.4110% | 6,861 |
| Net interest margin | 3.9650% | 3,043 |
| Noninterest income to average assets | 0.5494% | 3,514 |
| Noninterest expense to average assets | 4.1507% | 860 |
| Loan and lease loss provision to assets | 1.2912% | 636 |
| Net operating income to assets | -1.5786% | 6,924 |
| Return on assets (ROA) | -1.6614% | 6,964 |
| Pretax return on assets | -1.6614% | 6,932 |
| Return on Equity (ROE) | -14.8878% | 6,889 |
| Retained earnings to average equity (ytd only) | -14.8878% | 6,867 |
| Net charge-offs to loans | 3.6264% | 195 |
| Credit loss provision to net charge-offs | 63.6992% | 5,065 |
| Earnings coverage of net charge-offs (x) | -0.1418% | 5,920 |
| Efficiency ratio | 107.0226% | 497 |
| Assets per employee ($millions) | 2.6465% | 6,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2865% | 298 |
| Loan loss allowance to noncurrent loans | 78.8696% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 14.8086% | 128 |
| Noncurrent loans to loans | 5.4349% | 979 |
| Net loans and leases to total assets | 45.7852% | 6,031 |
| Net loans and leases to deposits | 51.9754% | 6,220 |
| Net loans and leases to core deposits | 52.1570% | 6,420 |
| Total domestic deposits to total assets | 88.0902% | 2,095 |
| Equity capital to assets | 10.9593% | 3,016 |
| Core capital (leverage) ratio | 10.5845% | 2,632 |
| Tier 1 risk-based capital ratio | 16.3068% | 2,902 |
| Total risk-based capital ratio | 17.5805% | 2,862 |
| Memoranda: | ||
| Average total assets | $321,415,800 | 2,000 |
| Average earning assets | $268,628,800 | 2,180 |
| Average equity | $35,868,200 | 1,890 |
| Average total loans | $179,654,000 | 2,253 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3809% | 5,670 |
| Cost of funding earning assets | 0.4260% | 6,952 |
| Net interest margin | 3.9549% | 3,132 |
| Noninterest income to average assets | 1.0030% | 1,333 |
| Noninterest expense to average assets | 4.0670% | 934 |
| Loan and lease loss provision to assets | 1.5415% | 438 |
| Net operating income to assets | -1.2854% | 6,984 |
| Return on assets (ROA) | -1.3072% | 7,009 |
| Pretax return on assets | -1.3072% | 6,967 |
| Return on Equity (ROE) | -11.6635% | 6,940 |
| Retained earnings to average equity (ytd only) | -11.6635% | 6,906 |
| Net charge-offs to loans | 4.1114% | 156 |
| Credit loss provision to net charge-offs | 64.8452% | 4,641 |
| Earnings coverage of net charge-offs (x) | 0.1077% | 5,520 |
| Efficiency ratio | 93.7054% | 931 |
| Assets per employee ($millions) | 2.7513% | 6,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0222% | 385 |
| Loan loss allowance to noncurrent loans | 40.3588% | 5,598 |
| Noncurrent assets plus other real estate owned to assets | 16.9706% | 89 |
| Noncurrent loans to loans | 9.9660% | 360 |
| Net loans and leases to total assets | 50.3875% | 5,660 |
| Net loans and leases to deposits | 57.1751% | 5,921 |
| Net loans and leases to core deposits | 57.3340% | 6,194 |
| Total domestic deposits to total assets | 88.1284% | 1,972 |
| Equity capital to assets | 10.6977% | 3,470 |
| Core capital (leverage) ratio | 10.2298% | 3,156 |
| Tier 1 risk-based capital ratio | 15.0939% | 3,613 |
| Total risk-based capital ratio | 16.3668% | 3,568 |
| Memoranda: | ||
| Average total assets | $324,360,500 | 1,992 |
| Average earning assets | $272,298,250 | 2,155 |
| Average equity | $36,351,750 | 1,857 |
| Average total loans | $187,538,250 | 2,173 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4126% | 5,641 |
| Cost of funding earning assets | 0.4368% | 7,047 |
| Net interest margin | 3.9758% | 2,965 |
| Noninterest income to average assets | 1.2678% | 781 |
| Noninterest expense to average assets | 3.9967% | 1,058 |
| Loan and lease loss provision to assets | 0.6727% | 1,430 |
| Net operating income to assets | -0.0446% | 6,289 |
| Return on assets (ROA) | -0.0446% | 6,349 |
| Pretax return on assets | -0.0446% | 6,312 |
| Return on Equity (ROE) | -0.3926% | 6,346 |
| Retained earnings to average equity (ytd only) | -0.3926% | 5,927 |
| Net charge-offs to loans | 2.7347% | 406 |
| Credit loss provision to net charge-offs | 41.3223% | 4,794 |
| Earnings coverage of net charge-offs (x) | 0.3858% | 5,016 |
| Efficiency ratio | 86.0751% | 1,595 |
| Assets per employee ($millions) | 2.6595% | 6,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9630% | 426 |
| Loan loss allowance to noncurrent loans | 26.4321% | 6,455 |
| Noncurrent assets plus other real estate owned to assets | 19.3503% | 69 |
| Noncurrent loans to loans | 14.9932% | 137 |
| Net loans and leases to total assets | 54.7626% | 5,187 |
| Net loans and leases to deposits | 62.6486% | 5,431 |
| Net loans and leases to core deposits | 62.7104% | 5,835 |
| Total domestic deposits to total assets | 87.4124% | 2,514 |
| Equity capital to assets | 11.7250% | 2,309 |
| Core capital (leverage) ratio | 11.0067% | 2,243 |
| Tier 1 risk-based capital ratio | 15.8770% | 3,044 |
| Total risk-based capital ratio | 17.1509% | 3,006 |
| Memoranda: | ||
| Average total assets | $327,016,000 | 1,987 |
| Average earning assets | $276,120,000 | 2,135 |
| Average equity | $37,186,670 | 1,799 |
| Average total loans | $194,683,000 | 2,131 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3935% | 5,717 |
| Cost of funding earning assets | 0.4531% | 7,109 |
| Net interest margin | 3.9404% | 2,953 |
| Noninterest income to average assets | 1.2170% | 861 |
| Noninterest expense to average assets | 4.0255% | 1,006 |
| Loan and lease loss provision to assets | 0.1204% | 4,509 |
| Net operating income to assets | 0.4213% | 4,849 |
| Return on assets (ROA) | 0.4213% | 4,938 |
| Pretax return on assets | 0.4213% | 5,277 |
| Return on Equity (ROE) | 3.7608% | 5,015 |
| Retained earnings to average equity (ytd only) | 3.7608% | 3,914 |
| Net charge-offs to loans | 2.6067% | 421 |
| Credit loss provision to net charge-offs | 7.6046% | 4,407 |
| Earnings coverage of net charge-offs (x) | 0.3422% | 4,356 |
| Efficiency ratio | 87.7965% | 1,541 |
| Assets per employee ($millions) | 2.8345% | 6,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8727% | 466 |
| Loan loss allowance to noncurrent loans | 24.4013% | 6,583 |
| Noncurrent assets plus other real estate owned to assets | 19.3079% | 74 |
| Noncurrent loans to loans | 15.8708% | 127 |
| Net loans and leases to total assets | 56.1286% | 4,973 |
| Net loans and leases to deposits | 63.9516% | 5,257 |
| Net loans and leases to core deposits | 64.0114% | 5,727 |
| Total domestic deposits to total assets | 87.7674% | 2,510 |
| Equity capital to assets | 11.2538% | 2,457 |
| Core capital (leverage) ratio | 10.9115% | 2,254 |
| Tier 1 risk-based capital ratio | 15.3415% | 3,239 |
| Total risk-based capital ratio | 16.6154% | 3,192 |
| Memoranda: | ||
| Average total assets | $332,281,000 | 1,973 |
| Average earning assets | $282,506,000 | 2,097 |
| Average equity | $37,226,000 | 1,789 |
| Average total loans | $201,790,500 | 2,090 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9856% | 4,627 |
| Cost of funding earning assets | 0.5567% | 7,215 |
| Net interest margin | 4.4289% | 1,404 |
| Noninterest income to average assets | 0.2121% | 6,289 |
| Noninterest expense to average assets | 4.7536% | 524 |
| Loan and lease loss provision to assets | 2.3982% | 482 |
| Net operating income to assets | -3.0801% | 7,311 |
| Return on assets (ROA) | -3.1734% | 7,345 |
| Pretax return on assets | -3.1734% | 7,324 |
| Return on Equity (ROE) | -25.0939% | 7,140 |
| Retained earnings to average equity (ytd only) | -25.0939% | 7,119 |
| Net charge-offs to loans | 4.4631% | 244 |
| Credit loss provision to net charge-offs | 81.3566% | 5,506 |
| Earnings coverage of net charge-offs (x) | -0.2313% | 6,305 |
| Efficiency ratio | 105.7054% | 629 |
| Assets per employee ($millions) | 2.7744% | 6,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1507% | 353 |
| Loan loss allowance to noncurrent loans | 26.8619% | 6,492 |
| Noncurrent assets plus other real estate owned to assets | 18.0527% | 90 |
| Noncurrent loans to loans | 15.4519% | 145 |
| Net loans and leases to total assets | 60.4414% | 4,596 |
| Net loans and leases to deposits | 68.8712% | 4,973 |
| Net loans and leases to core deposits | 69.8633% | 5,453 |
| Total domestic deposits to total assets | 87.7599% | 2,389 |
| Equity capital to assets | 11.1528% | 2,550 |
| Core capital (leverage) ratio | 10.4097% | 2,659 |
| Tier 1 risk-based capital ratio | 14.7500% | 3,396 |
| Total risk-based capital ratio | 16.0291% | 3,333 |
| Memoranda: | ||
| Average total assets | $346,095,400 | 1,883 |
| Average earning assets | $301,606,800 | 1,967 |
| Average equity | $43,767,600 | 1,521 |
| Average total loans | $228,588,000 | 1,908 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9883% | 4,874 |
| Cost of funding earning assets | 0.5679% | 7,355 |
| Net interest margin | 4.4204% | 1,464 |
| Noninterest income to average assets | 0.7831% | 2,313 |
| Noninterest expense to average assets | 4.2008% | 826 |
| Loan and lease loss provision to assets | 1.6982% | 753 |
| Net operating income to assets | -1.2513% | 6,999 |
| Return on assets (ROA) | -1.2513% | 7,031 |
| Pretax return on assets | -1.2513% | 6,955 |
| Return on Equity (ROE) | -9.6240% | 6,914 |
| Retained earnings to average equity (ytd only) | -9.6240% | 6,860 |
| Net charge-offs to loans | 4.3214% | 253 |
| Credit loss provision to net charge-offs | 58.8624% | 5,723 |
| Earnings coverage of net charge-offs (x) | 0.1549% | 5,867 |
| Efficiency ratio | 90.0649% | 1,285 |
| Assets per employee ($millions) | 2.8425% | 6,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3745% | 592 |
| Loan loss allowance to noncurrent loans | 20.5796% | 6,886 |
| Noncurrent assets plus other real estate owned to assets | 18.0766% | 89 |
| Noncurrent loans to loans | 16.3974% | 133 |
| Net loans and leases to total assets | 61.9755% | 4,535 |
| Net loans and leases to deposits | 72.1026% | 4,826 |
| Net loans and leases to core deposits | 73.3693% | 5,371 |
| Total domestic deposits to total assets | 85.9546% | 3,102 |
| Equity capital to assets | 13.0580% | 1,549 |
| Core capital (leverage) ratio | 11.9965% | 1,673 |
| Tier 1 risk-based capital ratio | 16.0518% | 2,735 |
| Total risk-based capital ratio | 17.3220% | 2,677 |
| Memoranda: | ||
| Average total assets | $349,386,500 | 1,899 |
| Average earning assets | $305,453,250 | 1,975 |
| Average equity | $45,426,750 | 1,480 |
| Average total loans | $233,249,500 | 1,900 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0439% | 4,729 |
| Cost of funding earning assets | 0.5788% | 7,442 |
| Net interest margin | 4.4651% | 1,276 |
| Noninterest income to average assets | 0.8668% | 1,813 |
| Noninterest expense to average assets | 4.0999% | 923 |
| Loan and lease loss provision to assets | 1.6274% | 795 |
| Net operating income to assets | -0.9313% | 6,915 |
| Return on assets (ROA) | -0.9313% | 6,933 |
| Pretax return on assets | -0.9313% | 6,856 |
| Return on Equity (ROE) | -7.1733% | 6,847 |
| Retained earnings to average equity (ytd only) | -7.1733% | 6,755 |
| Net charge-offs to loans | 1.9886% | 913 |
| Credit loss provision to net charge-offs | 121.0191% | 3,347 |
| Earnings coverage of net charge-offs (x) | 0.5176% | 5,209 |
| Efficiency ratio | 85.1768% | 1,801 |
| Assets per employee ($millions) | 2.6615% | 6,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6987% | 221 |
| Loan loss allowance to noncurrent loans | 29.7348% | 6,384 |
| Noncurrent assets plus other real estate owned to assets | 15.8903% | 117 |
| Noncurrent loans to loans | 15.8021% | 149 |
| Net loans and leases to total assets | 64.6352% | 4,125 |
| Net loans and leases to deposits | 75.5324% | 4,419 |
| Net loans and leases to core deposits | 76.8552% | 5,099 |
| Total domestic deposits to total assets | 85.5728% | 3,333 |
| Equity capital to assets | 13.3890% | 1,395 |
| Core capital (leverage) ratio | 12.5753% | 1,376 |
| Tier 1 risk-based capital ratio | 16.4535% | 2,490 |
| Total risk-based capital ratio | 17.7398% | 2,424 |
| Memoranda: | ||
| Average total assets | $350,252,000 | 1,911 |
| Average earning assets | $308,212,670 | 1,975 |
| Average equity | $45,474,330 | 1,477 |
| Average total loans | $236,855,670 | 1,890 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9319% | 5,303 |
| Cost of funding earning assets | 0.5863% | 7,556 |
| Net interest margin | 4.3456% | 1,549 |
| Noninterest income to average assets | 0.6301% | 3,081 |
| Noninterest expense to average assets | 4.1829% | 826 |
| Loan and lease loss provision to assets | 2.7916% | 366 |
| Net operating income to assets | -2.5102% | 7,560 |
| Return on assets (ROA) | -2.5102% | 7,561 |
| Pretax return on assets | -2.5102% | 7,514 |
| Return on Equity (ROE) | -19.6387% | 7,429 |
| Retained earnings to average equity (ytd only) | -19.6387% | 7,359 |
| Net charge-offs to loans | 4.5425% | 280 |
| Credit loss provision to net charge-offs | 91.0104% | 3,641 |
| Earnings coverage of net charge-offs (x) | 0.0918% | 4,951 |
| Efficiency ratio | 93.3640% | 1,176 |
| Assets per employee ($millions) | 2.5834% | 7,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4234% | 270 |
| Loan loss allowance to noncurrent loans | 22.0742% | 6,911 |
| Noncurrent assets plus other real estate owned to assets | 18.4725% | 77 |
| Noncurrent loans to loans | 20.0389% | 77 |
| Net loans and leases to total assets | 64.2711% | 4,271 |
| Net loans and leases to deposits | 75.2942% | 4,530 |
| Net loans and leases to core deposits | 76.6110% | 5,178 |
| Total domestic deposits to total assets | 85.3600% | 3,482 |
| Equity capital to assets | 13.1163% | 1,476 |
| Core capital (leverage) ratio | 12.2821% | 1,502 |
| Tier 1 risk-based capital ratio | 15.9924% | 2,664 |
| Total risk-based capital ratio | 17.2746% | 2,604 |
| Memoranda: | ||
| Average total assets | $351,048,000 | 1,953 |
| Average earning assets | $309,738,000 | 2,014 |
| Average equity | $44,870,500 | 1,499 |
| Average total loans | $237,049,500 | 1,946 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5901% | 3,658 |
| Cost of funding earning assets | 0.7617% | 7,607 |
| Net interest margin | 4.8284% | 649 |
| Noninterest income to average assets | 0.9812% | 1,635 |
| Noninterest expense to average assets | 4.5737% | 736 |
| Loan and lease loss provision to assets | 3.5787% | 427 |
| Net operating income to assets | -2.8432% | 7,359 |
| Return on assets (ROA) | -2.8432% | 7,366 |
| Pretax return on assets | -2.8432% | 7,252 |
| Return on Equity (ROE) | -19.8250% | 7,138 |
| Retained earnings to average equity (ytd only) | -19.8250% | 7,103 |
| Net charge-offs to loans | 4.7810% | 293 |
| Credit loss provision to net charge-offs | 105.7628% | 5,241 |
| Earnings coverage of net charge-offs (x) | 0.2174% | 5,912 |
| Efficiency ratio | 85.8765% | 2,129 |
| Assets per employee ($millions) | 2.5060% | 7,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4312% | 269 |
| Loan loss allowance to noncurrent loans | 19.9519% | 7,063 |
| Noncurrent assets plus other real estate owned to assets | 19.6418% | 59 |
| Noncurrent loans to loans | 22.2093% | 55 |
| Net loans and leases to total assets | 64.7987% | 4,417 |
| Net loans and leases to deposits | 75.2927% | 4,841 |
| Net loans and leases to core deposits | 81.0615% | 5,992 |
| Total domestic deposits to total assets | 86.0624% | 2,987 |
| Equity capital to assets | 12.4518% | 1,769 |
| Core capital (leverage) ratio | 11.0981% | 2,177 |
| Tier 1 risk-based capital ratio | 15.0833% | 2,895 |
| Total risk-based capital ratio | 16.3660% | 2,838 |
| Memoranda: | ||
| Average total assets | $354,876,800 | 1,915 |
| Average earning assets | $318,096,600 | 1,963 |
| Average equity | $50,895,400 | 1,312 |
| Average total loans | $251,162,600 | 1,888 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9238% | 2,342 |
| Cost of funding earning assets | 0.7836% | 7,718 |
| Net interest margin | 5.1402% | 335 |
| Noninterest income to average assets | 0.9585% | 1,744 |
| Noninterest expense to average assets | 4.5205% | 729 |
| Loan and lease loss provision to assets | 1.9140% | 957 |
| Net operating income to assets | -0.8527% | 6,730 |
| Return on assets (ROA) | -0.8527% | 6,725 |
| Pretax return on assets | -0.8527% | 6,573 |
| Return on Equity (ROE) | -5.7569% | 6,530 |
| Retained earnings to average equity (ytd only) | -5.7569% | 6,360 |
| Net charge-offs to loans | 2.5836% | 704 |
| Credit loss provision to net charge-offs | 103.5954% | 4,914 |
| Earnings coverage of net charge-offs (x) | 0.5744% | 5,455 |
| Efficiency ratio | 80.7235% | 2,741 |
| Assets per employee ($millions) | 2.8804% | 6,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9787% | 303 |
| Loan loss allowance to noncurrent loans | 23.5542% | 6,873 |
| Noncurrent assets plus other real estate owned to assets | 14.6732% | 127 |
| Noncurrent loans to loans | 16.8917% | 104 |
| Net loans and leases to total assets | 65.6057% | 4,510 |
| Net loans and leases to deposits | 78.9143% | 4,576 |
| Net loans and leases to core deposits | 84.5804% | 5,995 |
| Total domestic deposits to total assets | 83.1353% | 4,158 |
| Equity capital to assets | 13.9269% | 1,333 |
| Core capital (leverage) ratio | 13.2375% | 1,311 |
| Tier 1 risk-based capital ratio | 16.9616% | 2,285 |
| Total risk-based capital ratio | 18.2394% | 2,224 |
| Memoranda: | ||
| Average total assets | $355,261,250 | 1,928 |
| Average earning assets | $319,539,500 | 1,962 |
| Average equity | $52,620,000 | 1,278 |
| Average total loans | $254,059,500 | 1,893 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0962% | 1,803 |
| Cost of funding earning assets | 0.7661% | 7,859 |
| Net interest margin | 5.3301% | 235 |
| Noninterest income to average assets | 0.9330% | 1,828 |
| Noninterest expense to average assets | 4.6263% | 675 |
| Loan and lease loss provision to assets | 2.9158% | 522 |
| Net operating income to assets | -1.8238% | 7,375 |
| Return on assets (ROA) | -1.8238% | 7,369 |
| Pretax return on assets | -1.8238% | 7,224 |
| Return on Equity (ROE) | -12.0581% | 7,177 |
| Retained earnings to average equity (ytd only) | -12.0581% | 7,060 |
| Net charge-offs to loans | 3.6935% | 404 |
| Credit loss provision to net charge-offs | 108.6725% | 4,255 |
| Earnings coverage of net charge-offs (x) | 0.4070% | 5,284 |
| Efficiency ratio | 80.6439% | 2,945 |
| Assets per employee ($millions) | 2.5149% | 7,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1362% | 231 |
| Loan loss allowance to noncurrent loans | 32.8741% | 6,267 |
| Noncurrent assets plus other real estate owned to assets | 12.7011% | 154 |
| Noncurrent loans to loans | 12.5820% | 197 |
| Net loans and leases to total assets | 68.9913% | 3,949 |
| Net loans and leases to deposits | 83.9415% | 3,887 |
| Net loans and leases to core deposits | 90.2185% | 5,516 |
| Total domestic deposits to total assets | 82.1897% | 4,611 |
| Equity capital to assets | 14.5916% | 1,145 |
| Core capital (leverage) ratio | 13.6632% | 1,223 |
| Tier 1 risk-based capital ratio | 16.8428% | 2,350 |
| Total risk-based capital ratio | 18.1222% | 2,292 |
| Memoranda: | ||
| Average total assets | $349,823,000 | 1,975 |
| Average earning assets | $314,066,000 | 2,028 |
| Average equity | $52,910,330 | 1,282 |
| Average total loans | $254,120,670 | 1,925 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3484% | 1,180 |
| Cost of funding earning assets | 0.7776% | 7,932 |
| Net interest margin | 5.5708% | 161 |
| Noninterest income to average assets | 1.0102% | 1,456 |
| Noninterest expense to average assets | 4.4931% | 713 |
| Loan and lease loss provision to assets | 0.6834% | 1,850 |
| Net operating income to assets | 0.8439% | 2,935 |
| Return on assets (ROA) | 0.8439% | 3,082 |
| Pretax return on assets | 0.8439% | 3,912 |
| Return on Equity (ROE) | 5.4843% | 4,256 |
| Retained earnings to average equity (ytd only) | 5.4843% | 2,867 |
| Net charge-offs to loans | 0.4542% | 2,319 |
| Credit loss provision to net charge-offs | 206.1856% | 2,162 |
| Earnings coverage of net charge-offs (x) | 4.6082% | 2,846 |
| Efficiency ratio | 74.3852% | 3,756 |
| Assets per employee ($millions) | 2.4090% | 7,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0585% | 208 |
| Loan loss allowance to noncurrent loans | 28.0410% | 6,685 |
| Noncurrent assets plus other real estate owned to assets | 13.2903% | 113 |
| Noncurrent loans to loans | 14.4735% | 109 |
| Net loans and leases to total assets | 67.3924% | 4,271 |
| Net loans and leases to deposits | 82.2469% | 4,245 |
| Net loans and leases to core deposits | 88.2217% | 5,713 |
| Total domestic deposits to total assets | 81.9391% | 4,575 |
| Equity capital to assets | 15.2120% | 1,044 |
| Core capital (leverage) ratio | 14.6964% | 1,035 |
| Tier 1 risk-based capital ratio | 18.4527% | 1,948 |
| Total risk-based capital ratio | 19.7323% | 1,899 |
| Memoranda: | ||
| Average total assets | $351,206,000 | 1,978 |
| Average earning assets | $315,861,000 | 2,021 |
| Average equity | $54,045,000 | 1,251 |
| Average total loans | $256,296,000 | 1,923 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9791% | 1,189 |
| Cost of funding earning assets | 1.2066% | 7,938 |
| Net interest margin | 5.7725% | 139 |
| Noninterest income to average assets | 1.2467% | 953 |
| Noninterest expense to average assets | 4.1582% | 1,192 |
| Loan and lease loss provision to assets | 5.0148% | 106 |
| Net operating income to assets | -2.6965% | 7,761 |
| Return on assets (ROA) | -2.6965% | 7,732 |
| Pretax return on assets | -2.6965% | 7,640 |
| Return on Equity (ROE) | -19.2560% | 7,744 |
| Retained earnings to average equity (ytd only) | -19.4528% | 7,669 |
| Net charge-offs to loans | 5.6308% | 73 |
| Credit loss provision to net charge-offs | 123.4580% | 4,346 |
| Earnings coverage of net charge-offs (x) | 0.5707% | 5,886 |
| Efficiency ratio | 63.9826% | 5,565 |
| Assets per employee ($millions) | 2.3051% | 7,553 |
| Cash dividends to net income (ytd only)* | -1.0222% | 7,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8102% | 215 |
| Loan loss allowance to noncurrent loans | 28.0371% | 6,833 |
| Noncurrent assets plus other real estate owned to assets | 12.9818% | 86 |
| Noncurrent loans to loans | 13.5900% | 89 |
| Net loans and leases to total assets | 72.9425% | 3,374 |
| Net loans and leases to deposits | 88.7254% | 3,681 |
| Net loans and leases to core deposits | 94.9776% | 5,353 |
| Total domestic deposits to total assets | 82.2116% | 4,119 |
| Equity capital to assets | 15.5728% | 1,033 |
| Core capital (leverage) ratio | 14.6579% | 1,105 |
| Tier 1 risk-based capital ratio | 17.6960% | 2,119 |
| Total risk-based capital ratio | 18.9723% | 2,051 |
| Memoranda: | ||
| Average total assets | $362,804,200 | 1,847 |
| Average earning assets | $328,697,200 | 1,860 |
| Average equity | $50,805,000 | 1,331 |
| Average total loans | $261,720,000 | 1,821 |