Home > Timberline Bank > Performance and Condition Ratios
Timberline Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3303% | 1,432 |
| Cost of funding earning assets | 1.5992% | 1,697 |
| Net interest margin | 3.7311% | 1,696 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 2.7324% | 1,659 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.6768% | 3,248 |
| Return on assets (ROA) | 0.6805% | 3,219 |
| Pretax return on assets | 0.9089% | 2,940 |
| Return on Equity (ROE) | 11.2000% | 2,173 |
| Retained earnings to average equity (ytd only) | 7.4537% | 1,733 |
| Net charge-offs to loans | 0.0085% | 2,344 |
| Credit loss provision to net charge-offs | 510.8696% | 656 |
| Earnings coverage of net charge-offs (x) | 146.7174% | 720 |
| Efficiency ratio | 74.5752% | 1,397 |
| Assets per employee ($millions) | 8.1868% | 1,339 |
| Cash dividends to net income (ytd only)* | 33.4280% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1964% | 2,319 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 74.5500% | 1,289 |
| Net loans and leases to deposits | 81.4637% | 1,993 |
| Net loans and leases to core deposits | 89.3924% | 2,096 |
| Total domestic deposits to total assets | 91.5100% | 388 |
| Equity capital to assets | 6.4232% | 4,142 |
| Core capital (leverage) ratio | 8.1920% | 4,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3668% | 2,466 |
| Memoranda: | ||
| Average total assets | $724,494,800 | 1,269 |
| Average earning assets | $673,286,400 | 1,275 |
| Average equity | $44,031,600 | 1,759 |
| Average total loans | $543,016,200 | 1,161 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3073% | 1,281 |
| Cost of funding earning assets | 1.4855% | 1,652 |
| Net interest margin | 3.8218% | 1,553 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 2.7003% | 1,657 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.7455% | 3,186 |
| Return on assets (ROA) | 0.7504% | 3,163 |
| Pretax return on assets | 1.0051% | 2,846 |
| Return on Equity (ROE) | 12.5300% | 1,996 |
| Retained earnings to average equity (ytd only) | 8.6109% | 1,790 |
| Net charge-offs to loans | 0.0076% | 2,132 |
| Credit loss provision to net charge-offs | 745.1613% | 493 |
| Earnings coverage of net charge-offs (x) | 182.2903% | 639 |
| Efficiency ratio | 72.1667% | 1,547 |
| Assets per employee ($millions) | 8.4485% | 1,137 |
| Cash dividends to net income (ytd only)* | 31.2623% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1948% | 2,390 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 74.1200% | 1,325 |
| Net loans and leases to deposits | 79.5026% | 2,093 |
| Net loans and leases to core deposits | 89.5419% | 1,961 |
| Total domestic deposits to total assets | 93.2300% | 270 |
| Equity capital to assets | 6.1639% | 3,928 |
| Core capital (leverage) ratio | 8.0259% | 4,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1636% | 2,568 |
| Memoranda: | ||
| Average total assets | $723,463,250 | 1,274 |
| Average earning assets | $672,163,750 | 1,270 |
| Average equity | $43,339,250 | 1,769 |
| Average total loans | $541,338,250 | 1,163 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2330% | 1,171 |
| Cost of funding earning assets | 1.3464% | 1,594 |
| Net interest margin | 3.8866% | 1,454 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 2.6172% | 1,879 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.8666% | 2,868 |
| Return on assets (ROA) | 0.8666% | 2,864 |
| Pretax return on assets | 1.1604% | 2,472 |
| Return on Equity (ROE) | 14.6100% | 1,552 |
| Retained earnings to average equity (ytd only) | 10.4068% | 1,310 |
| Net charge-offs to loans | 0.0141% | 1,662 |
| Credit loss provision to net charge-offs | 215.7895% | 1,012 |
| Earnings coverage of net charge-offs (x) | 112.0263% | 880 |
| Efficiency ratio | 68.8679% | 1,879 |
| Assets per employee ($millions) | 7.6213% | 1,527 |
| Cash dividends to net income (ytd only)* | 28.7684% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1921% | 2,483 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 73.6200% | 1,340 |
| Net loans and leases to deposits | 78.8075% | 2,060 |
| Net loans and leases to core deposits | 93.4521% | 1,601 |
| Total domestic deposits to total assets | 93.4200% | 192 |
| Equity capital to assets | 6.0920% | 4,121 |
| Core capital (leverage) ratio | 8.0643% | 4,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8508% | 2,670 |
| Memoranda: | ||
| Average total assets | $719,610,333 | 1,268 |
| Average earning assets | $667,990,333 | 1,269 |
| Average equity | $42,683,667 | 1,796 |
| Average total loans | $537,987,000 | 1,159 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2250% | 921 |
| Cost of funding earning assets | 1.2114% | 1,426 |
| Net interest margin | 4.0137% | 1,240 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 2.5726% | 2,036 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.9813% | 2,589 |
| Return on assets (ROA) | 0.9813% | 2,562 |
| Pretax return on assets | 1.3164% | 2,135 |
| Return on Equity (ROE) | 16.7700% | 1,215 |
| Retained earnings to average equity (ytd only) | 13.6950% | 980 |
| Net charge-offs to loans | 0.0097% | 1,579 |
| Credit loss provision to net charge-offs | 400.0000% | 607 |
| Earnings coverage of net charge-offs (x) | 185.6154% | 529 |
| Efficiency ratio | 65.6610% | 2,246 |
| Assets per employee ($millions) | 8.7800% | 1,017 |
| Cash dividends to net income (ytd only)* | 18.3523% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1911% | 2,600 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 74.0500% | 1,196 |
| Net loans and leases to deposits | 80.7110% | 1,767 |
| Net loans and leases to core deposits | 94.6098% | 1,355 |
| Total domestic deposits to total assets | 91.7500% | 581 |
| Equity capital to assets | 5.9754% | 4,210 |
| Core capital (leverage) ratio | 7.9664% | 4,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7935% | 2,784 |
| Memoranda: | ||
| Average total assets | $717,402,000 | 1,289 |
| Average earning assets | $666,023,000 | 1,294 |
| Average equity | $41,971,500 | 1,838 |
| Average total loans | $537,249,000 | 1,165 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2407% | 1,176 |
| Cost of funding earning assets | 0.3554% | 2,436 |
| Net interest margin | 3.8852% | 988 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 2.5536% | 1,956 |
| Loan and lease loss provision to assets | 0.2800% | 313 |
| Net operating income to assets | 0.7439% | 3,498 |
| Return on assets (ROA) | 0.7452% | 3,436 |
| Pretax return on assets | 0.9749% | 3,148 |
| Return on Equity (ROE) | 11.4300% | 2,326 |
| Retained earnings to average equity (ytd only) | 8.6560% | 1,581 |
| Net charge-offs to loans | -0.0006% | 3,318 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.0711% | 2,081 |
| Assets per employee ($millions) | 7.9980% | 1,322 |
| Cash dividends to net income (ytd only)* | 24.2400% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1942% | 2,419 |
| Loan loss allowance to noncurrent loans | 9,534.3284% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0093% | 3,803 |
| Noncurrent loans to loans | 0.0125% | 3,744 |
| Net loans and leases to total assets | 73.4200% | 1,270 |
| Net loans and leases to deposits | 79.8917% | 1,776 |
| Net loans and leases to core deposits | 94.5070% | 1,271 |
| Total domestic deposits to total assets | 91.9000% | 667 |
| Equity capital to assets | 6.3764% | 3,950 |
| Core capital (leverage) ratio | 7.8761% | 4,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7959% | 2,788 |
| Memoranda: | ||
| Average total assets | $679,835,600 | 1,331 |
| Average earning assets | $632,472,600 | 1,327 |
| Average equity | $44,339,400 | 1,777 |
| Average total loans | $481,332,400 | 1,209 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0296% | 1,203 |
| Cost of funding earning assets | 0.2117% | 3,127 |
| Net interest margin | 3.8179% | 925 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 2.5301% | 1,927 |
| Loan and lease loss provision to assets | 0.1900% | 485 |
| Net operating income to assets | 0.7736% | 3,345 |
| Return on assets (ROA) | 0.7753% | 3,289 |
| Pretax return on assets | 1.0267% | 2,948 |
| Return on Equity (ROE) | 11.8200% | 2,092 |
| Retained earnings to average equity (ytd only) | 9.0677% | 1,628 |
| Net charge-offs to loans | -0.0046% | 3,460 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.5327% | 2,079 |
| Assets per employee ($millions) | 8.8479% | 954 |
| Cash dividends to net income (ytd only)* | 23.2606% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0658% | 3,171 |
| Loan loss allowance to noncurrent loans | 19,503.5714% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 3,978 |
| Noncurrent loans to loans | 0.0055% | 3,918 |
| Net loans and leases to total assets | 72.5300% | 1,226 |
| Net loans and leases to deposits | 81.6994% | 1,466 |
| Net loans and leases to core deposits | 86.7775% | 1,482 |
| Total domestic deposits to total assets | 88.7700% | 2,178 |
| Equity capital to assets | 6.4159% | 3,784 |
| Core capital (leverage) ratio | 7.9236% | 4,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4315% | 2,676 |
| Memoranda: | ||
| Average total assets | $669,840,500 | 1,354 |
| Average earning assets | $622,939,000 | 1,350 |
| Average equity | $43,949,750 | 1,814 |
| Average total loans | $467,939,750 | 1,233 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8031% | 1,308 |
| Cost of funding earning assets | 0.1433% | 3,663 |
| Net interest margin | 3.6598% | 976 |
| Noninterest income to average assets | 0.1939% | 4,031 |
| Noninterest expense to average assets | 2.5150% | 1,885 |
| Loan and lease loss provision to assets | 0.1915% | 453 |
| Net operating income to assets | 0.6739% | 3,399 |
| Return on assets (ROA) | 0.6765% | 3,340 |
| Pretax return on assets | 0.8959% | 3,080 |
| Return on Equity (ROE) | 10.2312% | 2,251 |
| Retained earnings to average equity (ytd only) | 7.5600% | 1,784 |
| Net charge-offs to loans | -0.0031% | 3,211 |
| Credit loss provision to net charge-offs | -9,028.5714% | 3,846 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8796% | 1,978 |
| Assets per employee ($millions) | 7.7250% | 1,457 |
| Cash dividends to net income (ytd only)* | 26.1084% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0331% | 3,458 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 71.3250% | 1,175 |
| Net loans and leases to deposits | 80.0084% | 1,385 |
| Net loans and leases to core deposits | 86.4301% | 1,312 |
| Total domestic deposits to total assets | 89.1469% | 2,111 |
| Equity capital to assets | 6.1913% | 4,139 |
| Core capital (leverage) ratio | 8.0135% | 4,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0943% | 2,790 |
| Memoranda: | ||
| Average total assets | $660,126,333 | 1,374 |
| Average earning assets | $614,184,667 | 1,379 |
| Average equity | $43,651,000 | 1,871 |
| Average total loans | $453,119,333 | 1,259 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6719% | 1,333 |
| Cost of funding earning assets | 0.1016% | 4,113 |
| Net interest margin | 3.5703% | 942 |
| Noninterest income to average assets | 0.1838% | 4,060 |
| Noninterest expense to average assets | 2.3471% | 2,351 |
| Loan and lease loss provision to assets | 0.0854% | 977 |
| Net operating income to assets | 0.7972% | 2,667 |
| Return on assets (ROA) | 0.8026% | 2,641 |
| Pretax return on assets | 1.0860% | 2,188 |
| Return on Equity (ROE) | 11.7394% | 1,393 |
| Retained earnings to average equity (ytd only) | 11.7394% | 643 |
| Net charge-offs to loans | -0.0028% | 3,167 |
| Credit loss provision to net charge-offs | -4,600.0000% | 3,500 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8370% | 2,658 |
| Assets per employee ($millions) | 7.2577% | 1,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0352% | 3,579 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 68.3777% | 1,181 |
| Net loans and leases to deposits | 73.6809% | 1,635 |
| Net loans and leases to core deposits | 73.9756% | 1,940 |
| Total domestic deposits to total assets | 92.8024% | 323 |
| Equity capital to assets | 6.7065% | 4,336 |
| Core capital (leverage) ratio | 7.8833% | 4,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6982% | 2,716 |
| Memoranda: | ||
| Average total assets | $646,425,000 | 1,393 |
| Average earning assets | $602,528,500 | 1,405 |
| Average equity | $44,193,000 | 1,913 |
| Average total loans | $431,929,500 | 1,289 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3606% | 767 |
| Cost of funding earning assets | 0.1241% | 4,194 |
| Net interest margin | 4.2365% | 460 |
| Noninterest income to average assets | 0.4887% | 2,632 |
| Noninterest expense to average assets | 2.5604% | 1,988 |
| Loan and lease loss provision to assets | 0.1935% | 569 |
| Net operating income to assets | 1.2224% | 1,847 |
| Return on assets (ROA) | 1.3887% | 1,369 |
| Pretax return on assets | 1.8663% | 791 |
| Return on Equity (ROE) | 19.2836% | 353 |
| Retained earnings to average equity (ytd only) | 16.8837% | 129 |
| Net charge-offs to loans | 0.0030% | 2,509 |
| Credit loss provision to net charge-offs | 9,841.6667% | 70 |
| Earnings coverage of net charge-offs (x) | 940.6667% | 157 |
| Efficiency ratio | 58.0637% | 3,438 |
| Assets per employee ($millions) | 7.7014% | 1,495 |
| Cash dividends to net income (ytd only)* | 12.4454% | 3,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0729% | 3,470 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 63.8544% | 1,719 |
| Net loans and leases to deposits | 70.3851% | 2,090 |
| Net loans and leases to core deposits | 70.7026% | 2,382 |
| Total domestic deposits to total assets | 90.7215% | 616 |
| Equity capital to assets | 6.9663% | 4,726 |
| Core capital (leverage) ratio | 7.3852% | 4,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4566% | 2,990 |
| Memoranda: | ||
| Average total assets | $610,413,600 | 1,430 |
| Average earning assets | $564,942,400 | 1,443 |
| Average equity | $43,959,600 | 1,953 |
| Average total loans | $394,503,600 | 1,393 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5919% | 581 |
| Cost of funding earning assets | 0.1300% | 4,262 |
| Net interest margin | 4.4619% | 335 |
| Noninterest income to average assets | 0.5892% | 2,254 |
| Noninterest expense to average assets | 2.4777% | 2,188 |
| Loan and lease loss provision to assets | 0.2142% | 464 |
| Net operating income to assets | 1.5430% | 1,163 |
| Return on assets (ROA) | 1.7673% | 750 |
| Pretax return on assets | 2.2972% | 470 |
| Return on Equity (ROE) | 24.3262% | 196 |
| Retained earnings to average equity (ytd only) | 21.9027% | 87 |
| Net charge-offs to loans | 0.0058% | 2,110 |
| Credit loss provision to net charge-offs | 5,682.3529% | 139 |
| Earnings coverage of net charge-offs (x) | 590.9412% | 258 |
| Efficiency ratio | 52.6579% | 3,962 |
| Assets per employee ($millions) | 8.2140% | 1,170 |
| Cash dividends to net income (ytd only)* | 9.9624% | 2,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1228% | 3,334 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 57.0884% | 2,602 |
| Net loans and leases to deposits | 64.2183% | 2,823 |
| Net loans and leases to core deposits | 64.4981% | 3,085 |
| Total domestic deposits to total assets | 88.8974% | 1,345 |
| Equity capital to assets | 6.9247% | 4,823 |
| Core capital (leverage) ratio | 7.7432% | 4,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5547% | 2,841 |
| Memoranda: | ||
| Average total assets | $601,288,500 | 1,462 |
| Average earning assets | $554,703,000 | 1,481 |
| Average equity | $43,683,000 | 1,983 |
| Average total loans | $388,738,750 | 1,441 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0265% | 330 |
| Cost of funding earning assets | 0.1370% | 4,300 |
| Net interest margin | 4.8896% | 198 |
| Noninterest income to average assets | 0.9093% | 1,248 |
| Noninterest expense to average assets | 2.5424% | 2,020 |
| Loan and lease loss provision to assets | 0.2403% | 416 |
| Net operating income to assets | 1.9278% | 559 |
| Return on assets (ROA) | 2.2551% | 324 |
| Pretax return on assets | 3.0253% | 187 |
| Return on Equity (ROE) | 30.5042% | 91 |
| Retained earnings to average equity (ytd only) | 28.0806% | 49 |
| Net charge-offs to loans | 0.0061% | 1,923 |
| Credit loss provision to net charge-offs | 5,833.3333% | 112 |
| Earnings coverage of net charge-offs (x) | 692.2500% | 203 |
| Efficiency ratio | 47.1363% | 4,453 |
| Assets per employee ($millions) | 7.7861% | 1,316 |
| Cash dividends to net income (ytd only)* | 7.9452% | 2,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0487% | 3,631 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 62.9366% | 2,070 |
| Net loans and leases to deposits | 75.8375% | 1,839 |
| Net loans and leases to core deposits | 76.2256% | 2,217 |
| Total domestic deposits to total assets | 82.9887% | 3,708 |
| Equity capital to assets | 7.6274% | 4,698 |
| Core capital (leverage) ratio | 7.8420% | 4,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4623% | 2,869 |
| Memoranda: | ||
| Average total assets | $582,677,000 | 1,498 |
| Average earning assets | $534,403,000 | 1,518 |
| Average equity | $43,076,000 | 1,990 |
| Average total loans | $391,851,333 | 1,435 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6457% | 162 |
| Cost of funding earning assets | 0.1304% | 4,456 |
| Net interest margin | 5.5153% | 101 |
| Noninterest income to average assets | 1.6446% | 521 |
| Noninterest expense to average assets | 2.7667% | 1,448 |
| Loan and lease loss provision to assets | 0.2577% | 396 |
| Net operating income to assets | 2.6194% | 219 |
| Return on assets (ROA) | 3.1972% | 142 |
| Pretax return on assets | 4.3883% | 90 |
| Return on Equity (ROE) | 43.9766% | 49 |
| Retained earnings to average equity (ytd only) | 41.4759% | 34 |
| Net charge-offs to loans | 0.0171% | 1,405 |
| Credit loss provision to net charge-offs | 2,176.4706% | 233 |
| Earnings coverage of net charge-offs (x) | 330.5882% | 275 |
| Efficiency ratio | 41.4095% | 4,692 |
| Assets per employee ($millions) | 8.8937% | 865 |
| Cash dividends to net income (ytd only)* | 5.6863% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8699% | 4,244 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 4,233 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 69.0418% | 1,406 |
| Net loans and leases to deposits | 81.7568% | 1,353 |
| Net loans and leases to core deposits | 82.1639% | 1,826 |
| Total domestic deposits to total assets | 84.4478% | 3,300 |
| Equity capital to assets | 7.0531% | 4,834 |
| Core capital (leverage) ratio | 7.9408% | 4,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1881% | 2,594 |
| Memoranda: | ||
| Average total assets | $574,249,500 | 1,502 |
| Average earning assets | $524,436,500 | 1,529 |
| Average equity | $41,749,500 | 2,028 |
| Average total loans | $397,115,000 | 1,424 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4792% | 1,367 |
| Cost of funding earning assets | 0.2028% | 4,578 |
| Net interest margin | 4.2764% | 532 |
| Noninterest income to average assets | 0.1669% | 4,454 |
| Noninterest expense to average assets | 2.8152% | 1,900 |
| Loan and lease loss provision to assets | 0.1586% | 2,390 |
| Net operating income to assets | 0.9031% | 2,680 |
| Return on assets (ROA) | 1.1066% | 2,020 |
| Pretax return on assets | 1.3028% | 1,968 |
| Return on Equity (ROE) | 14.2269% | 758 |
| Retained earnings to average equity (ytd only) | 11.4343% | 385 |
| Net charge-offs to loans | 0.0003% | 3,434 |
| Credit loss provision to net charge-offs | 68,700.0000% | 12 |
| Earnings coverage of net charge-offs (x) | 5,294.0000% | 15 |
| Efficiency ratio | 69.7313% | 1,984 |
| Assets per employee ($millions) | 8.6306% | 857 |
| Cash dividends to net income (ytd only)* | 19.6287% | 3,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8876% | 4,223 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3770% | 2,475 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 67.9955% | 1,828 |
| Net loans and leases to deposits | 83.8140% | 1,480 |
| Net loans and leases to core deposits | 84.3371% | 2,008 |
| Total domestic deposits to total assets | 81.1266% | 3,848 |
| Equity capital to assets | 7.5118% | 4,839 |
| Core capital (leverage) ratio | 7.7829% | 4,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4491% | 2,815 |
| Memoranda: | ||
| Average total assets | $433,218,600 | 1,753 |
| Average earning assets | $392,080,800 | 1,791 |
| Average equity | $33,696,800 | 2,304 |
| Average total loans | $309,426,000 | 1,651 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5042% | 1,558 |
| Cost of funding earning assets | 0.2241% | 4,593 |
| Net interest margin | 4.2801% | 614 |
| Noninterest income to average assets | 0.1670% | 4,468 |
| Noninterest expense to average assets | 2.9033% | 1,698 |
| Loan and lease loss provision to assets | 0.1206% | 2,823 |
| Net operating income to assets | 0.9521% | 2,510 |
| Return on assets (ROA) | 1.1706% | 1,864 |
| Pretax return on assets | 1.2492% | 2,226 |
| Return on Equity (ROE) | 14.8790% | 714 |
| Retained earnings to average equity (ytd only) | 11.9040% | 440 |
| Net charge-offs to loans | -0.0323% | 4,555 |
| Credit loss provision to net charge-offs | -516.9014% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8516% | 1,662 |
| Assets per employee ($millions) | 7.9845% | 998 |
| Cash dividends to net income (ytd only)* | 19.9944% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8342% | 4,279 |
| Loan loss allowance to noncurrent loans | 112.1567% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 0.5851% | 1,970 |
| Noncurrent loans to loans | 0.7438% | 1,946 |
| Net loans and leases to total assets | 74.7610% | 1,273 |
| Net loans and leases to deposits | 89.7477% | 1,293 |
| Net loans and leases to core deposits | 90.4138% | 1,940 |
| Total domestic deposits to total assets | 83.3013% | 3,059 |
| Equity capital to assets | 7.0795% | 4,940 |
| Core capital (leverage) ratio | 7.1822% | 4,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7352% | 2,982 |
| Memoranda: | ||
| Average total assets | $405,591,000 | 1,824 |
| Average earning assets | $367,089,000 | 1,856 |
| Average equity | $31,910,000 | 2,381 |
| Average total loans | $293,527,000 | 1,708 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8055% | 1,161 |
| Cost of funding earning assets | 0.2530% | 4,614 |
| Net interest margin | 4.5525% | 450 |
| Noninterest income to average assets | 0.1770% | 4,407 |
| Noninterest expense to average assets | 2.9553% | 1,701 |
| Loan and lease loss provision to assets | 0.1321% | 2,697 |
| Net operating income to assets | 1.1358% | 1,855 |
| Return on assets (ROA) | 1.3355% | 1,360 |
| Pretax return on assets | 1.4206% | 1,674 |
| Return on Equity (ROE) | 16.2754% | 520 |
| Retained earnings to average equity (ytd only) | 16.2754% | 160 |
| Net charge-offs to loans | -0.0461% | 4,663 |
| Credit loss provision to net charge-offs | -403.2258% | 3,585 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7992% | 2,123 |
| Assets per employee ($millions) | 7.6630% | 1,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8307% | 4,258 |
| Loan loss allowance to noncurrent loans | 107.5824% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 0.5901% | 2,044 |
| Noncurrent loans to loans | 0.7722% | 1,951 |
| Net loans and leases to total assets | 72.6229% | 1,604 |
| Net loans and leases to deposits | 91.0262% | 1,263 |
| Net loans and leases to core deposits | 91.7845% | 1,923 |
| Total domestic deposits to total assets | 79.7825% | 3,883 |
| Equity capital to assets | 7.0375% | 4,968 |
| Core capital (leverage) ratio | 7.6862% | 4,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2193% | 2,908 |
| Memoranda: | ||
| Average total assets | $378,436,000 | 1,900 |
| Average earning assets | $342,359,667 | 1,934 |
| Average equity | $31,053,000 | 2,403 |
| Average total loans | $268,972,333 | 1,801 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5698% | 2,097 |
| Cost of funding earning assets | 0.3827% | 4,418 |
| Net interest margin | 4.1871% | 948 |
| Noninterest income to average assets | 0.2096% | 4,292 |
| Noninterest expense to average assets | 3.4806% | 964 |
| Loan and lease loss provision to assets | 0.1226% | 2,164 |
| Net operating income to assets | 0.1595% | 4,590 |
| Return on assets (ROA) | 0.2476% | 4,475 |
| Pretax return on assets | 0.4867% | 4,144 |
| Return on Equity (ROE) | 2.7305% | 4,280 |
| Retained earnings to average equity (ytd only) | 2.7305% | 3,184 |
| Net charge-offs to loans | -0.0282% | 4,449 |
| Credit loss provision to net charge-offs | -625.0000% | 3,443 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4884% | 612 |
| Assets per employee ($millions) | 5.6325% | 1,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1986% | 2,682 |
| Loan loss allowance to noncurrent loans | 100.4028% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 0.8576% | 1,560 |
| Noncurrent loans to loans | 1.1938% | 1,368 |
| Net loans and leases to total assets | 68.0129% | 2,536 |
| Net loans and leases to deposits | 75.1965% | 3,152 |
| Net loans and leases to core deposits | 75.9225% | 3,497 |
| Total domestic deposits to total assets | 90.4468% | 211 |
| Equity capital to assets | 9.1090% | 4,529 |
| Core capital (leverage) ratio | 9.1937% | 4,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0465% | 3,084 |
| Memoranda: | ||
| Average total assets | $326,269,500 | 2,057 |
| Average earning assets | $293,664,500 | 2,115 |
| Average equity | $29,592,000 | 2,483 |
| Average total loans | $226,689,500 | 2,009 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9537% | 1,604 |
| Cost of funding earning assets | 0.3949% | 4,456 |
| Net interest margin | 4.5588% | 628 |
| Noninterest income to average assets | 0.1984% | 4,474 |
| Noninterest expense to average assets | 3.6763% | 781 |
| Loan and lease loss provision to assets | 0.0066% | 3,871 |
| Net operating income to assets | 0.4344% | 4,532 |
| Return on assets (ROA) | 0.5494% | 4,347 |
| Pretax return on assets | 0.8775% | 3,802 |
| Return on Equity (ROE) | 6.2928% | 3,820 |
| Retained earnings to average equity (ytd only) | 1.9225% | 4,033 |
| Net charge-offs to loans | 0.0634% | 2,191 |
| Credit loss provision to net charge-offs | 14.4928% | 3,340 |
| Earnings coverage of net charge-offs (x) | 16.1014% | 2,194 |
| Efficiency ratio | 83.2719% | 707 |
| Assets per employee ($millions) | 5.1649% | 2,377 |
| Cash dividends to net income (ytd only)* | 69.4495% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1691% | 2,593 |
| Loan loss allowance to noncurrent loans | 128.0976% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 0.7707% | 1,677 |
| Noncurrent loans to loans | 0.9127% | 1,683 |
| Net loans and leases to total assets | 69.3246% | 2,500 |
| Net loans and leases to deposits | 76.4512% | 3,136 |
| Net loans and leases to core deposits | 77.1856% | 3,501 |
| Total domestic deposits to total assets | 90.6783% | 166 |
| Equity capital to assets | 9.0291% | 4,673 |
| Core capital (leverage) ratio | 9.0622% | 4,476 |
| Tier 1 risk-based capital ratio | 11.4363% | 4,657 |
| Total risk-based capital ratio | 12.5070% | 4,644 |
| Memoranda: | ||
| Average total assets | $300,870,000 | 2,161 |
| Average earning assets | $278,275,200 | 2,158 |
| Average equity | $26,268,200 | 2,612 |
| Average total loans | $217,598,400 | 2,043 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0551% | 1,402 |
| Cost of funding earning assets | 0.3792% | 4,565 |
| Net interest margin | 4.6759% | 520 |
| Noninterest income to average assets | 0.1914% | 4,571 |
| Noninterest expense to average assets | 3.6666% | 782 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6393% | 4,185 |
| Return on assets (ROA) | 0.7724% | 3,835 |
| Pretax return on assets | 1.0363% | 3,481 |
| Return on Equity (ROE) | 8.9296% | 2,920 |
| Retained earnings to average equity (ytd only) | 5.9461% | 2,399 |
| Net charge-offs to loans | 0.0587% | 1,985 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 20.2848% | 1,969 |
| Efficiency ratio | 80.8602% | 846 |
| Assets per employee ($millions) | 5.3088% | 2,209 |
| Cash dividends to net income (ytd only)* | 33.4110% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2010% | 2,500 |
| Loan loss allowance to noncurrent loans | 756.8571% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.2494% | 3,566 |
| Noncurrent loans to loans | 0.1587% | 3,972 |
| Net loans and leases to total assets | 70.7740% | 2,362 |
| Net loans and leases to deposits | 77.7459% | 3,125 |
| Net loans and leases to core deposits | 78.5881% | 3,499 |
| Total domestic deposits to total assets | 91.0325% | 97 |
| Equity capital to assets | 8.7074% | 4,923 |
| Core capital (leverage) ratio | 8.5560% | 4,919 |
| Tier 1 risk-based capital ratio | 10.4635% | 5,087 |
| Total risk-based capital ratio | 11.5605% | 5,049 |
| Memoranda: | ||
| Average total assets | $296,032,250 | 2,198 |
| Average earning assets | $274,962,250 | 2,191 |
| Average equity | $25,607,000 | 2,675 |
| Average total loans | $215,843,500 | 2,068 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0896% | 1,242 |
| Cost of funding earning assets | 0.3734% | 4,607 |
| Net interest margin | 4.7162% | 478 |
| Noninterest income to average assets | 0.1808% | 4,665 |
| Noninterest expense to average assets | 3.5156% | 942 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8316% | 3,536 |
| Return on assets (ROA) | 0.9819% | 3,054 |
| Pretax return on assets | 1.2497% | 2,752 |
| Return on Equity (ROE) | 11.3784% | 1,834 |
| Retained earnings to average equity (ytd only) | 9.5534% | 895 |
| Net charge-offs to loans | 0.1232% | 1,209 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 11.7197% | 2,188 |
| Efficiency ratio | 76.8448% | 1,292 |
| Assets per employee ($millions) | 5.2112% | 2,247 |
| Cash dividends to net income (ytd only)* | 16.0391% | 3,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2127% | 2,458 |
| Loan loss allowance to noncurrent loans | 3,392.2078% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.1638% | 3,944 |
| Noncurrent loans to loans | 0.0357% | 4,534 |
| Net loans and leases to total assets | 70.3995% | 2,473 |
| Net loans and leases to deposits | 79.2959% | 3,022 |
| Net loans and leases to core deposits | 80.1903% | 3,402 |
| Total domestic deposits to total assets | 88.7807% | 753 |
| Equity capital to assets | 8.7160% | 4,946 |
| Core capital (leverage) ratio | 8.7362% | 4,813 |
| Tier 1 risk-based capital ratio | 11.1546% | 4,848 |
| Total risk-based capital ratio | 12.3099% | 4,797 |
| Memoranda: | ||
| Average total assets | $292,072,670 | 2,223 |
| Average earning assets | $272,125,330 | 2,214 |
| Average equity | $25,205,670 | 2,699 |
| Average total loans | $214,268,000 | 2,085 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9725% | 1,405 |
| Cost of funding earning assets | 0.3605% | 4,647 |
| Net interest margin | 4.6120% | 598 |
| Noninterest income to average assets | 0.1491% | 4,850 |
| Noninterest expense to average assets | 3.5876% | 860 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6049% | 4,226 |
| Return on assets (ROA) | 0.6049% | 4,266 |
| Pretax return on assets | 0.8767% | 3,838 |
| Return on Equity (ROE) | 7.0465% | 3,661 |
| Retained earnings to average equity (ytd only) | 7.0465% | 2,019 |
| Net charge-offs to loans | 0.0187% | 2,093 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 62.9000% | 892 |
| Efficiency ratio | 80.3622% | 1,022 |
| Assets per employee ($millions) | 5.0877% | 2,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2459% | 2,348 |
| Loan loss allowance to noncurrent loans | 5,695.8333% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.1830% | 3,902 |
| Noncurrent loans to loans | 0.0219% | 4,682 |
| Net loans and leases to total assets | 73.4409% | 1,907 |
| Net loans and leases to deposits | 80.5568% | 2,775 |
| Net loans and leases to core deposits | 81.3576% | 3,234 |
| Total domestic deposits to total assets | 91.1666% | 138 |
| Equity capital to assets | 8.5087% | 4,982 |
| Core capital (leverage) ratio | 8.7599% | 4,825 |
| Tier 1 risk-based capital ratio | 10.9222% | 5,013 |
| Total risk-based capital ratio | 12.1430% | 4,928 |
| Memoranda: | ||
| Average total assets | $286,985,000 | 2,269 |
| Average earning assets | $268,519,500 | 2,248 |
| Average equity | $24,636,500 | 2,750 |
| Average total loans | $213,705,500 | 2,106 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0618% | 926 |
| Cost of funding earning assets | 0.3725% | 4,145 |
| Net interest margin | 4.6894% | 501 |
| Noninterest income to average assets | 0.1860% | 4,797 |
| Noninterest expense to average assets | 3.3584% | 1,213 |
| Loan and lease loss provision to assets | 0.0958% | 2,242 |
| Net operating income to assets | 0.7981% | 3,815 |
| Return on assets (ROA) | 0.7981% | 3,818 |
| Pretax return on assets | 1.1461% | 3,114 |
| Return on Equity (ROE) | 9.5847% | 2,699 |
| Retained earnings to average equity (ytd only) | 2.9148% | 3,940 |
| Net charge-offs to loans | -0.0328% | 4,842 |
| Credit loss provision to net charge-offs | -382.3529% | 4,592 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0046% | 1,760 |
| Assets per employee ($millions) | 4.8927% | 2,627 |
| Cash dividends to net income (ytd only)* | 69.5893% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3195% | 1,950 |
| Loan loss allowance to noncurrent loans | 30,488.8889% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.1796% | 3,908 |
| Noncurrent loans to loans | 0.0043% | 4,804 |
| Net loans and leases to total assets | 73.5859% | 1,996 |
| Net loans and leases to deposits | 80.7311% | 2,881 |
| Net loans and leases to core deposits | 81.5171% | 3,304 |
| Total domestic deposits to total assets | 91.1494% | 174 |
| Equity capital to assets | 8.6649% | 4,831 |
| Core capital (leverage) ratio | 8.3082% | 5,113 |
| Tier 1 risk-based capital ratio | 11.4306% | 4,754 |
| Total risk-based capital ratio | 12.6811% | 4,666 |
| Memoranda: | ||
| Average total assets | $271,528,000 | 2,320 |
| Average earning assets | $255,600,000 | 2,297 |
| Average equity | $22,609,000 | 2,855 |
| Average total loans | $207,319,000 | 2,119 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9926% | 954 |
| Cost of funding earning assets | 0.3447% | 4,223 |
| Net interest margin | 4.6479% | 529 |
| Noninterest income to average assets | 0.1953% | 4,804 |
| Noninterest expense to average assets | 3.2659% | 1,378 |
| Loan and lease loss provision to assets | 0.1285% | 1,563 |
| Net operating income to assets | 0.9215% | 3,426 |
| Return on assets (ROA) | 0.9215% | 3,427 |
| Pretax return on assets | 1.1806% | 3,065 |
| Return on Equity (ROE) | 11.1848% | 2,101 |
| Retained earnings to average equity (ytd only) | 5.5804% | 2,900 |
| Net charge-offs to loans | -0.0373% | 4,828 |
| Credit loss provision to net charge-offs | -448.2759% | 4,468 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3853% | 1,981 |
| Assets per employee ($millions) | 5.4034% | 2,015 |
| Cash dividends to net income (ytd only)* | 50.1072% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3118% | 2,048 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1686% | 4,111 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 70.4921% | 2,565 |
| Net loans and leases to deposits | 76.9242% | 3,335 |
| Net loans and leases to core deposits | 85.3480% | 3,059 |
| Total domestic deposits to total assets | 91.6384% | 115 |
| Equity capital to assets | 8.1577% | 5,107 |
| Core capital (leverage) ratio | 8.2413% | 5,227 |
| Tier 1 risk-based capital ratio | 11.6996% | 4,670 |
| Total risk-based capital ratio | 12.9505% | 4,560 |
| Memoranda: | ||
| Average total assets | $269,688,750 | 2,343 |
| Average earning assets | $254,132,000 | 2,324 |
| Average equity | $22,220,000 | 2,893 |
| Average total loans | $207,157,750 | 2,126 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8851% | 1,056 |
| Cost of funding earning assets | 0.3239% | 4,248 |
| Net interest margin | 4.5612% | 604 |
| Noninterest income to average assets | 0.2463% | 4,532 |
| Noninterest expense to average assets | 3.3234% | 1,264 |
| Loan and lease loss provision to assets | 0.1982% | 868 |
| Net operating income to assets | 0.7334% | 4,092 |
| Return on assets (ROA) | 0.7334% | 4,088 |
| Pretax return on assets | 1.0186% | 3,605 |
| Return on Equity (ROE) | 8.8695% | 3,084 |
| Retained earnings to average equity (ytd only) | 2.3787% | 4,323 |
| Net charge-offs to loans | -0.0077% | 4,227 |
| Credit loss provision to net charge-offs | -3,250.0000% | 4,702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1990% | 1,818 |
| Assets per employee ($millions) | 5.4791% | 1,900 |
| Cash dividends to net income (ytd only)* | 73.1809% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2241% | 2,582 |
| Loan loss allowance to noncurrent loans | 1,266.0377% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.2239% | 3,881 |
| Noncurrent loans to loans | 0.0967% | 4,482 |
| Net loans and leases to total assets | 76.0176% | 1,639 |
| Net loans and leases to deposits | 83.1126% | 2,635 |
| Net loans and leases to core deposits | 99.2662% | 1,791 |
| Total domestic deposits to total assets | 91.4634% | 158 |
| Equity capital to assets | 8.1716% | 5,150 |
| Core capital (leverage) ratio | 8.7503% | 4,928 |
| Tier 1 risk-based capital ratio | 11.0219% | 5,043 |
| Total risk-based capital ratio | 12.2717% | 4,944 |
| Memoranda: | ||
| Average total assets | $262,323,000 | 2,400 |
| Average earning assets | $246,954,000 | 2,381 |
| Average equity | $21,692,330 | 2,950 |
| Average total loans | $206,737,000 | 2,133 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9026% | 867 |
| Cost of funding earning assets | 0.3279% | 4,145 |
| Net interest margin | 4.5747% | 529 |
| Noninterest income to average assets | 0.2231% | 4,678 |
| Noninterest expense to average assets | 3.7366% | 719 |
| Loan and lease loss provision to assets | 0.1147% | 1,647 |
| Net operating income to assets | 0.6629% | 4,233 |
| Return on assets (ROA) | 0.6629% | 4,241 |
| Pretax return on assets | 0.6629% | 4,537 |
| Return on Equity (ROE) | 7.9627% | 3,392 |
| Retained earnings to average equity (ytd only) | 7.9627% | 1,852 |
| Net charge-offs to loans | -0.0080% | 4,169 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,278 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7744% | 883 |
| Assets per employee ($millions) | 5.0865% | 2,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2252% | 2,657 |
| Loan loss allowance to noncurrent loans | 1,127.6018% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.2886% | 3,706 |
| Noncurrent loans to loans | 0.1087% | 4,488 |
| Net loans and leases to total assets | 78.9974% | 1,083 |
| Net loans and leases to deposits | 90.9182% | 1,573 |
| Net loans and leases to core deposits | 98.5452% | 1,800 |
| Total domestic deposits to total assets | 86.8885% | 2,173 |
| Equity capital to assets | 8.2504% | 5,144 |
| Core capital (leverage) ratio | 8.6874% | 4,999 |
| Tier 1 risk-based capital ratio | 10.8049% | 5,247 |
| Total risk-based capital ratio | 12.0551% | 5,135 |
| Memoranda: | ||
| Average total assets | $251,028,000 | 2,506 |
| Average earning assets | $235,469,000 | 2,486 |
| Average equity | $20,897,500 | 3,061 |
| Average total loans | $200,471,500 | 2,195 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6601% | 1,285 |
| Cost of funding earning assets | 0.2369% | 4,671 |
| Net interest margin | 4.4233% | 725 |
| Noninterest income to average assets | 0.1877% | 5,018 |
| Noninterest expense to average assets | 3.1781% | 1,659 |
| Loan and lease loss provision to assets | 0.0590% | 3,055 |
| Net operating income to assets | 1.1195% | 1,795 |
| Return on assets (ROA) | 1.1298% | 1,785 |
| Pretax return on assets | 1.1298% | 3,060 |
| Return on Equity (ROE) | 13.6858% | 813 |
| Retained earnings to average equity (ytd only) | 6.0231% | 1,530 |
| Net charge-offs to loans | -0.0800% | 5,315 |
| Credit loss provision to net charge-offs | -97.9452% | 4,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9494% | 2,071 |
| Assets per employee ($millions) | 5.1610% | 2,306 |
| Cash dividends to net income (ytd only)* | 55.9898% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2230% | 2,647 |
| Loan loss allowance to noncurrent loans | 1,050.4348% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.3225% | 3,587 |
| Noncurrent loans to loans | 0.1164% | 4,460 |
| Net loans and leases to total assets | 78.7648% | 1,168 |
| Net loans and leases to deposits | 86.6175% | 2,181 |
| Net loans and leases to core deposits | 96.1202% | 2,013 |
| Total domestic deposits to total assets | 90.9341% | 256 |
| Equity capital to assets | 8.4011% | 5,189 |
| Core capital (leverage) ratio | 8.6767% | 4,973 |
| Tier 1 risk-based capital ratio | 10.8849% | 5,208 |
| Total risk-based capital ratio | 12.1348% | 5,104 |
| Memoranda: | ||
| Average total assets | $242,344,400 | 2,549 |
| Average earning assets | $228,406,600 | 2,512 |
| Average equity | $20,006,200 | 3,147 |
| Average total loans | $182,482,400 | 2,299 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5827% | 1,416 |
| Cost of funding earning assets | 0.2205% | 4,808 |
| Net interest margin | 4.3622% | 801 |
| Noninterest income to average assets | 0.1870% | 5,080 |
| Noninterest expense to average assets | 3.1230% | 1,742 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1795% | 1,777 |
| Return on assets (ROA) | 1.1944% | 1,751 |
| Pretax return on assets | 1.1944% | 2,934 |
| Return on Equity (ROE) | 14.5348% | 731 |
| Retained earnings to average equity (ytd only) | 7.3112% | 1,534 |
| Net charge-offs to loans | -0.1164% | 5,418 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5858% | 2,121 |
| Assets per employee ($millions) | 5.5030% | 1,921 |
| Cash dividends to net income (ytd only)* | 49.6990% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1717% | 3,075 |
| Loan loss allowance to noncurrent loans | 881.8533% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.5080% | 3,039 |
| Noncurrent loans to loans | 0.1329% | 4,529 |
| Net loans and leases to total assets | 77.7942% | 1,300 |
| Net loans and leases to deposits | 89.3475% | 1,887 |
| Net loans and leases to core deposits | 99.8047% | 1,722 |
| Total domestic deposits to total assets | 87.0692% | 1,844 |
| Equity capital to assets | 8.3030% | 5,391 |
| Core capital (leverage) ratio | 8.6493% | 5,110 |
| Tier 1 risk-based capital ratio | 10.7909% | 5,345 |
| Total risk-based capital ratio | 11.9948% | 5,281 |
| Memoranda: | ||
| Average total assets | $240,998,000 | 2,573 |
| Average earning assets | $227,372,250 | 2,544 |
| Average equity | $19,804,750 | 3,187 |
| Average total loans | $178,718,000 | 2,352 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4586% | 1,629 |
| Cost of funding earning assets | 0.1760% | 5,169 |
| Net interest margin | 4.2826% | 904 |
| Noninterest income to average assets | 0.1809% | 5,149 |
| Noninterest expense to average assets | 3.1484% | 1,708 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0880% | 2,040 |
| Return on assets (ROA) | 1.1106% | 1,973 |
| Pretax return on assets | 1.1106% | 3,132 |
| Return on Equity (ROE) | 13.5634% | 907 |
| Retained earnings to average equity (ytd only) | 4.9507% | 2,744 |
| Net charge-offs to loans | -0.1766% | 5,559 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3179% | 1,958 |
| Assets per employee ($millions) | 5.4046% | 1,962 |
| Cash dividends to net income (ytd only)* | 63.4992% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2368% | 2,776 |
| Loan loss allowance to noncurrent loans | 726.1146% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.5521% | 2,923 |
| Noncurrent loans to loans | 0.1703% | 4,439 |
| Net loans and leases to total assets | 76.5632% | 1,452 |
| Net loans and leases to deposits | 83.9723% | 2,480 |
| Net loans and leases to core deposits | 89.6207% | 2,558 |
| Total domestic deposits to total assets | 91.1767% | 178 |
| Equity capital to assets | 8.3587% | 5,377 |
| Core capital (leverage) ratio | 8.6050% | 5,139 |
| Tier 1 risk-based capital ratio | 11.0638% | 5,219 |
| Total risk-based capital ratio | 12.3139% | 5,117 |
| Memoranda: | ||
| Average total assets | $238,786,330 | 2,600 |
| Average earning assets | $226,126,670 | 2,573 |
| Average equity | $19,552,670 | 3,205 |
| Average total loans | $173,314,670 | 2,414 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2374% | 2,143 |
| Cost of funding earning assets | 0.1317% | 5,477 |
| Net interest margin | 4.1057% | 1,205 |
| Noninterest income to average assets | 0.1722% | 5,248 |
| Noninterest expense to average assets | 3.0542% | 2,002 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0281% | 2,176 |
| Return on assets (ROA) | 1.0281% | 2,226 |
| Pretax return on assets | 1.0281% | 3,243 |
| Return on Equity (ROE) | 12.6866% | 1,065 |
| Retained earnings to average equity (ytd only) | 12.6866% | 404 |
| Net charge-offs to loans | -0.3528% | 5,707 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8157% | 2,093 |
| Assets per employee ($millions) | 5.7267% | 1,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3350% | 2,362 |
| Loan loss allowance to noncurrent loans | 704.3344% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.5496% | 3,036 |
| Noncurrent loans to loans | 0.1895% | 4,444 |
| Net loans and leases to total assets | 69.9030% | 2,399 |
| Net loans and leases to deposits | 76.3043% | 3,165 |
| Net loans and leases to core deposits | 81.5205% | 3,139 |
| Total domestic deposits to total assets | 91.6107% | 163 |
| Equity capital to assets | 8.2196% | 5,402 |
| Core capital (leverage) ratio | 8.6214% | 5,130 |
| Tier 1 risk-based capital ratio | 12.1140% | 4,642 |
| Total risk-based capital ratio | 13.3652% | 4,539 |
| Memoranda: | ||
| Average total assets | $239,279,000 | 2,620 |
| Average earning assets | $227,876,500 | 2,569 |
| Average equity | $19,390,500 | 3,241 |
| Average total loans | $167,798,000 | 2,476 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2546% | 2,295 |
| Cost of funding earning assets | 0.1461% | 5,445 |
| Net interest margin | 4.1085% | 1,365 |
| Noninterest income to average assets | 0.2069% | 5,176 |
| Noninterest expense to average assets | 3.0604% | 2,140 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0422% | 2,174 |
| Return on assets (ROA) | 1.1164% | 1,922 |
| Pretax return on assets | 1.1164% | 3,038 |
| Return on Equity (ROE) | 12.8036% | 1,042 |
| Retained earnings to average equity (ytd only) | 5.2383% | 2,174 |
| Net charge-offs to loans | -0.0189% | 5,110 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5969% | 2,209 |
| Assets per employee ($millions) | 5.5357% | 1,838 |
| Cash dividends to net income (ytd only)* | 59.0873% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2876% | 2,613 |
| Loan loss allowance to noncurrent loans | 553.9063% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.5810% | 2,993 |
| Noncurrent loans to loans | 0.2325% | 4,319 |
| Net loans and leases to total assets | 68.5031% | 2,700 |
| Net loans and leases to deposits | 74.5406% | 3,461 |
| Net loans and leases to core deposits | 79.2390% | 3,461 |
| Total domestic deposits to total assets | 91.9004% | 114 |
| Equity capital to assets | 7.9866% | 5,568 |
| Core capital (leverage) ratio | 8.1930% | 5,508 |
| Tier 1 risk-based capital ratio | 12.2005% | 4,576 |
| Total risk-based capital ratio | 13.4512% | 4,456 |
| Memoranda: | ||
| Average total assets | $223,761,000 | 2,724 |
| Average earning assets | $212,172,000 | 2,680 |
| Average equity | $19,510,200 | 3,216 |
| Average total loans | $158,899,000 | 2,532 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2454% | 2,358 |
| Cost of funding earning assets | 0.1487% | 5,494 |
| Net interest margin | 4.0967% | 1,395 |
| Noninterest income to average assets | 0.2471% | 4,993 |
| Noninterest expense to average assets | 3.0239% | 2,247 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1099% | 1,954 |
| Return on assets (ROA) | 1.2104% | 1,706 |
| Pretax return on assets | 1.2104% | 2,792 |
| Return on Equity (ROE) | 13.5741% | 896 |
| Retained earnings to average equity (ytd only) | 7.0689% | 1,591 |
| Net charge-offs to loans | -0.0212% | 5,023 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1507% | 2,415 |
| Assets per employee ($millions) | 5.8234% | 1,559 |
| Cash dividends to net income (ytd only)* | 47.9239% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2945% | 2,715 |
| Loan loss allowance to noncurrent loans | 293.7673% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.7870% | 2,582 |
| Noncurrent loans to loans | 0.4407% | 3,702 |
| Net loans and leases to total assets | 67.7347% | 2,832 |
| Net loans and leases to deposits | 74.4970% | 3,547 |
| Net loans and leases to core deposits | 79.2823% | 3,522 |
| Total domestic deposits to total assets | 90.9227% | 208 |
| Equity capital to assets | 8.4134% | 5,581 |
| Core capital (leverage) ratio | 8.6428% | 5,219 |
| Tier 1 risk-based capital ratio | 12.6488% | 4,370 |
| Total risk-based capital ratio | 13.9000% | 4,280 |
| Memoranda: | ||
| Average total assets | $220,192,250 | 2,767 |
| Average earning assets | $208,909,250 | 2,715 |
| Average equity | $19,635,000 | 3,229 |
| Average total loans | $157,326,500 | 2,560 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2603% | 2,297 |
| Cost of funding earning assets | 0.1549% | 5,514 |
| Net interest margin | 4.1054% | 1,353 |
| Noninterest income to average assets | 0.2523% | 4,964 |
| Noninterest expense to average assets | 3.0663% | 2,153 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0757% | 2,061 |
| Return on assets (ROA) | 1.1738% | 1,787 |
| Pretax return on assets | 1.1738% | 2,885 |
| Return on Equity (ROE) | 12.8926% | 1,056 |
| Retained earnings to average equity (ytd only) | 8.3761% | 1,051 |
| Net charge-offs to loans | 0.0516% | 2,463 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 28.7750% | 1,421 |
| Efficiency ratio | 74.0298% | 2,353 |
| Assets per employee ($millions) | 5.8294% | 1,525 |
| Cash dividends to net income (ytd only)* | 35.0318% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2654% | 2,987 |
| Loan loss allowance to noncurrent loans | 279.3478% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 1.2861% | 1,577 |
| Noncurrent loans to loans | 0.4530% | 3,746 |
| Net loans and leases to total assets | 74.3777% | 1,759 |
| Net loans and leases to deposits | 83.1505% | 2,574 |
| Net loans and leases to core deposits | 88.7909% | 2,659 |
| Total domestic deposits to total assets | 89.4495% | 709 |
| Equity capital to assets | 9.3464% | 4,924 |
| Core capital (leverage) ratio | 9.2032% | 4,591 |
| Tier 1 risk-based capital ratio | 11.8852% | 4,912 |
| Total risk-based capital ratio | 13.1355% | 4,802 |
| Memoranda: | ||
| Average total assets | $214,002,670 | 2,842 |
| Average earning assets | $202,756,330 | 2,783 |
| Average equity | $19,484,000 | 3,250 |
| Average total loans | $155,153,670 | 2,587 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2274% | 2,384 |
| Cost of funding earning assets | 0.1642% | 5,515 |
| Net interest margin | 4.0632% | 1,441 |
| Noninterest income to average assets | 0.2045% | 5,270 |
| Noninterest expense to average assets | 2.9912% | 2,417 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0677% | 2,019 |
| Return on assets (ROA) | 1.1747% | 1,735 |
| Pretax return on assets | 1.1747% | 2,804 |
| Return on Equity (ROE) | 13.0781% | 1,025 |
| Retained earnings to average equity (ytd only) | 13.0781% | 386 |
| Net charge-offs to loans | -0.4093% | 5,968 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6939% | 2,529 |
| Assets per employee ($millions) | 5.6224% | 1,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4108% | 2,371 |
| Loan loss allowance to noncurrent loans | 260.2312% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 1.0470% | 2,118 |
| Noncurrent loans to loans | 0.5421% | 3,562 |
| Net loans and leases to total assets | 73.6267% | 1,793 |
| Net loans and leases to deposits | 81.2517% | 2,639 |
| Net loans and leases to core deposits | 86.7382% | 2,682 |
| Total domestic deposits to total assets | 90.6156% | 393 |
| Equity capital to assets | 9.2122% | 4,978 |
| Core capital (leverage) ratio | 9.3276% | 4,459 |
| Tier 1 risk-based capital ratio | 12.3529% | 4,693 |
| Total risk-based capital ratio | 13.6054% | 4,586 |
| Memoranda: | ||
| Average total assets | $213,160,500 | 2,854 |
| Average earning assets | $202,207,000 | 2,800 |
| Average equity | $19,146,500 | 3,288 |
| Average total loans | $151,491,000 | 2,622 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2587% | 2,357 |
| Cost of funding earning assets | 0.2717% | 4,566 |
| Net interest margin | 3.9870% | 1,761 |
| Noninterest income to average assets | 0.1951% | 5,416 |
| Noninterest expense to average assets | 3.2307% | 1,887 |
| Loan and lease loss provision to assets | 0.0363% | 3,621 |
| Net operating income to assets | 0.6986% | 3,817 |
| Return on assets (ROA) | 0.7920% | 3,449 |
| Pretax return on assets | 0.7920% | 4,218 |
| Return on Equity (ROE) | 8.2895% | 2,802 |
| Retained earnings to average equity (ytd only) | 2.8573% | 4,031 |
| Net charge-offs to loans | 0.0168% | 3,946 |
| Credit loss provision to net charge-offs | 304.3478% | 973 |
| Earnings coverage of net charge-offs (x) | 61.5652% | 853 |
| Efficiency ratio | 81.4684% | 1,479 |
| Assets per employee ($millions) | 5.4531% | 1,856 |
| Cash dividends to net income (ytd only)* | 65.5308% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4614% | 2,175 |
| Loan loss allowance to noncurrent loans | 387.4307% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.8436% | 2,555 |
| Noncurrent loans to loans | 0.3772% | 4,097 |
| Net loans and leases to total assets | 66.4554% | 2,915 |
| Net loans and leases to deposits | 72.9268% | 3,624 |
| Net loans and leases to core deposits | 78.9143% | 3,451 |
| Total domestic deposits to total assets | 91.1261% | 253 |
| Equity capital to assets | 8.7512% | 5,350 |
| Core capital (leverage) ratio | 9.5234% | 4,140 |
| Tier 1 risk-based capital ratio | 13.1687% | 4,193 |
| Total risk-based capital ratio | 14.4216% | 4,118 |
| Memoranda: | ||
| Average total assets | $192,683,600 | 3,015 |
| Average earning assets | $182,216,400 | 2,976 |
| Average equity | $18,408,800 | 3,324 |
| Average total loans | $136,965,600 | 2,765 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3412% | 2,105 |
| Cost of funding earning assets | 0.1954% | 5,419 |
| Net interest margin | 4.1457% | 1,287 |
| Noninterest income to average assets | 0.2003% | 5,440 |
| Noninterest expense to average assets | 3.2308% | 1,884 |
| Loan and lease loss provision to assets | 0.0497% | 3,217 |
| Net operating income to assets | 0.8375% | 3,233 |
| Return on assets (ROA) | 0.9654% | 2,730 |
| Pretax return on assets | 0.9654% | 3,761 |
| Return on Equity (ROE) | 9.8699% | 2,154 |
| Retained earnings to average equity (ytd only) | 2.6073% | 4,558 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4544% | 1,894 |
| Assets per employee ($millions) | 4.8937% | 2,424 |
| Cash dividends to net income (ytd only)* | 73.5837% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4737% | 2,264 |
| Loan loss allowance to noncurrent loans | 417.9487% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.9222% | 2,554 |
| Noncurrent loans to loans | 0.3526% | 4,348 |
| Net loans and leases to total assets | 74.2302% | 1,698 |
| Net loans and leases to deposits | 86.1511% | 2,124 |
| Net loans and leases to core deposits | 96.0475% | 1,873 |
| Total domestic deposits to total assets | 86.1628% | 2,456 |
| Equity capital to assets | 9.8289% | 4,363 |
| Core capital (leverage) ratio | 9.7948% | 3,908 |
| Tier 1 risk-based capital ratio | 12.4492% | 4,793 |
| Total risk-based capital ratio | 13.7011% | 4,695 |
| Memoranda: | ||
| Average total assets | $187,687,250 | 3,103 |
| Average earning assets | $177,366,750 | 3,052 |
| Average equity | $18,358,250 | 3,361 |
| Average total loans | $135,350,500 | 2,809 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2484% | 2,362 |
| Cost of funding earning assets | 0.1915% | 5,514 |
| Net interest margin | 4.0569% | 1,478 |
| Noninterest income to average assets | 0.3976% | 4,093 |
| Noninterest expense to average assets | 3.1377% | 2,148 |
| Loan and lease loss provision to assets | 0.0750% | 2,613 |
| Net operating income to assets | 1.0223% | 2,280 |
| Return on assets (ROA) | 1.0223% | 2,394 |
| Pretax return on assets | 1.0223% | 3,486 |
| Return on Equity (ROE) | 10.4693% | 1,859 |
| Retained earnings to average equity (ytd only) | -0.5048% | 5,606 |
| Net charge-offs to loans | 0.3290% | 801 |
| Credit loss provision to net charge-offs | 32.1101% | 2,904 |
| Earnings coverage of net charge-offs (x) | 4.6972% | 3,010 |
| Efficiency ratio | 74.0891% | 2,663 |
| Assets per employee ($millions) | 5.3872% | 1,851 |
| Cash dividends to net income (ytd only)* | 104.8218% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3537% | 2,972 |
| Loan loss allowance to noncurrent loans | 205.5135% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.9085% | 2,715 |
| Noncurrent loans to loans | 0.6587% | 3,504 |
| Net loans and leases to total assets | 73.4674% | 1,747 |
| Net loans and leases to deposits | 89.2052% | 1,691 |
| Net loans and leases to core deposits | 95.3694% | 1,855 |
| Total domestic deposits to total assets | 82.3577% | 4,167 |
| Equity capital to assets | 9.6424% | 4,480 |
| Core capital (leverage) ratio | 9.9911% | 3,616 |
| Tier 1 risk-based capital ratio | 11.9338% | 5,192 |
| Total risk-based capital ratio | 13.1839% | 5,095 |
| Memoranda: | ||
| Average total assets | $186,631,330 | 3,139 |
| Average earning assets | $176,537,670 | 3,080 |
| Average equity | $18,224,670 | 3,392 |
| Average total loans | $132,537,000 | 2,864 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2096% | 2,413 |
| Cost of funding earning assets | 0.1929% | 5,568 |
| Net interest margin | 4.0167% | 1,504 |
| Noninterest income to average assets | 0.5838% | 2,743 |
| Noninterest expense to average assets | 3.1992% | 1,989 |
| Loan and lease loss provision to assets | 0.1508% | 1,354 |
| Net operating income to assets | 1.0470% | 2,045 |
| Return on assets (ROA) | 1.0470% | 2,193 |
| Pretax return on assets | 1.0470% | 3,310 |
| Return on Equity (ROE) | 10.6541% | 1,748 |
| Retained earnings to average equity (ytd only) | -11.2679% | 6,162 |
| Net charge-offs to loans | 0.4573% | 543 |
| Credit loss provision to net charge-offs | 47.6190% | 2,124 |
| Earnings coverage of net charge-offs (x) | 3.7823% | 2,568 |
| Efficiency ratio | 72.7585% | 3,035 |
| Assets per employee ($millions) | 5.2352% | 2,069 |
| Cash dividends to net income (ytd only)* | 205.7613% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4992% | 2,448 |
| Loan loss allowance to noncurrent loans | 118.2254% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 1.2618% | 2,117 |
| Noncurrent loans to loans | 1.2681% | 2,252 |
| Net loans and leases to total assets | 70.7114% | 2,039 |
| Net loans and leases to deposits | 79.3608% | 2,634 |
| Net loans and leases to core deposits | 84.0612% | 2,765 |
| Total domestic deposits to total assets | 89.1012% | 1,202 |
| Equity capital to assets | 9.7860% | 4,401 |
| Core capital (leverage) ratio | 9.5186% | 4,248 |
| Tier 1 risk-based capital ratio | 13.6105% | 4,273 |
| Total risk-based capital ratio | 14.8635% | 4,183 |
| Memoranda: | ||
| Average total assets | $185,670,500 | 3,168 |
| Average earning assets | $176,264,000 | 3,099 |
| Average equity | $18,246,500 | 3,412 |
| Average total loans | $128,592,500 | 2,934 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2736% | 2,698 |
| Cost of funding earning assets | 0.2765% | 5,034 |
| Net interest margin | 3.9971% | 1,905 |
| Noninterest income to average assets | 0.2386% | 5,424 |
| Noninterest expense to average assets | 3.0646% | 2,639 |
| Loan and lease loss provision to assets | 0.1225% | 2,138 |
| Net operating income to assets | 0.8214% | 3,275 |
| Return on assets (ROA) | 0.8214% | 3,363 |
| Pretax return on assets | 0.8214% | 4,187 |
| Return on Equity (ROE) | 7.8601% | 3,204 |
| Retained earnings to average equity (ytd only) | 5.3480% | 2,372 |
| Net charge-offs to loans | 0.4421% | 956 |
| Credit loss provision to net charge-offs | 38.7454% | 3,699 |
| Earnings coverage of net charge-offs (x) | 2.9852% | 4,011 |
| Efficiency ratio | 76.4518% | 2,447 |
| Assets per employee ($millions) | 5.5326% | 1,739 |
| Cash dividends to net income (ytd only)* | 31.9602% | 3,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6308% | 1,992 |
| Loan loss allowance to noncurrent loans | 91.0262% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 1.4050% | 1,979 |
| Noncurrent loans to loans | 1.7915% | 1,607 |
| Net loans and leases to total assets | 65.7055% | 2,944 |
| Net loans and leases to deposits | 73.9377% | 3,447 |
| Net loans and leases to core deposits | 78.5048% | 3,464 |
| Total domestic deposits to total assets | 88.8660% | 1,310 |
| Equity capital to assets | 9.8677% | 4,273 |
| Core capital (leverage) ratio | 10.1785% | 3,336 |
| Tier 1 risk-based capital ratio | 14.1687% | 3,988 |
| Total risk-based capital ratio | 15.4232% | 3,913 |
| Memoranda: | ||
| Average total assets | $171,407,000 | 3,318 |
| Average earning assets | $161,668,400 | 3,256 |
| Average equity | $17,913,200 | 3,409 |
| Average total loans | $122,600,200 | 2,988 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3356% | 2,473 |
| Cost of funding earning assets | 0.3001% | 4,887 |
| Net interest margin | 4.0355% | 1,769 |
| Noninterest income to average assets | 0.2416% | 5,477 |
| Noninterest expense to average assets | 3.0735% | 2,549 |
| Loan and lease loss provision to assets | 0.0797% | 2,754 |
| Net operating income to assets | 0.8834% | 3,000 |
| Return on assets (ROA) | 0.8834% | 3,103 |
| Pretax return on assets | 0.8834% | 4,063 |
| Return on Equity (ROE) | 8.3223% | 3,024 |
| Retained earnings to average equity (ytd only) | 4.9423% | 3,117 |
| Net charge-offs to loans | 0.1696% | 2,105 |
| Credit loss provision to net charge-offs | 64.5161% | 2,861 |
| Earnings coverage of net charge-offs (x) | 7.7936% | 2,895 |
| Efficiency ratio | 76.1406% | 2,469 |
| Assets per employee ($millions) | 5.3208% | 1,887 |
| Cash dividends to net income (ytd only)* | 40.6140% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8679% | 1,534 |
| Loan loss allowance to noncurrent loans | 83.2558% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 1.8036% | 1,645 |
| Noncurrent loans to loans | 2.2436% | 1,349 |
| Net loans and leases to total assets | 74.1162% | 1,508 |
| Net loans and leases to deposits | 84.8005% | 2,059 |
| Net loans and leases to core deposits | 92.2593% | 2,012 |
| Total domestic deposits to total assets | 87.4006% | 2,092 |
| Equity capital to assets | 11.0467% | 2,905 |
| Core capital (leverage) ratio | 10.9099% | 2,571 |
| Tier 1 risk-based capital ratio | 14.0118% | 4,207 |
| Total risk-based capital ratio | 15.2691% | 4,137 |
| Memoranda: | ||
| Average total assets | $167,231,500 | 3,400 |
| Average earning assets | $157,266,000 | 3,341 |
| Average equity | $17,751,000 | 3,445 |
| Average total loans | $121,838,500 | 3,021 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2822% | 2,650 |
| Cost of funding earning assets | 0.3119% | 4,856 |
| Net interest margin | 3.9704% | 1,903 |
| Noninterest income to average assets | 0.2405% | 5,469 |
| Noninterest expense to average assets | 3.1120% | 2,450 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8572% | 3,030 |
| Return on assets (ROA) | 0.8572% | 3,129 |
| Pretax return on assets | 0.8572% | 4,052 |
| Return on Equity (ROE) | 8.1845% | 2,997 |
| Retained earnings to average equity (ytd only) | 3.0692% | 4,250 |
| Net charge-offs to loans | 0.0579% | 3,141 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 20.5714% | 1,578 |
| Efficiency ratio | 78.4043% | 2,242 |
| Assets per employee ($millions) | 5.2685% | 1,900 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9086% | 1,567 |
| Loan loss allowance to noncurrent loans | 79.4985% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 1.9170% | 1,684 |
| Noncurrent loans to loans | 2.4007% | 1,316 |
| Net loans and leases to total assets | 73.8250% | 1,465 |
| Net loans and leases to deposits | 85.9371% | 1,820 |
| Net loans and leases to core deposits | 93.0283% | 1,862 |
| Total domestic deposits to total assets | 85.9059% | 3,092 |
| Equity capital to assets | 10.9690% | 2,907 |
| Core capital (leverage) ratio | 10.5238% | 2,917 |
| Tier 1 risk-based capital ratio | 13.9218% | 4,302 |
| Total risk-based capital ratio | 15.1797% | 4,245 |
| Memoranda: | ||
| Average total assets | $167,993,670 | 3,407 |
| Average earning assets | $157,768,000 | 3,352 |
| Average equity | $17,594,330 | 3,464 |
| Average total loans | $120,925,330 | 3,044 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1845% | 2,934 |
| Cost of funding earning assets | 0.3207% | 4,854 |
| Net interest margin | 3.8638% | 2,216 |
| Noninterest income to average assets | 0.2278% | 5,530 |
| Noninterest expense to average assets | 3.1328% | 2,430 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7163% | 3,597 |
| Return on assets (ROA) | 0.7163% | 3,684 |
| Pretax return on assets | 0.7163% | 4,437 |
| Return on Equity (ROE) | 6.9978% | 3,475 |
| Retained earnings to average equity (ytd only) | -3.3268% | 5,997 |
| Net charge-offs to loans | 0.1234% | 1,983 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 8.2432% | 2,044 |
| Efficiency ratio | 81.3911% | 2,003 |
| Assets per employee ($millions) | 5.3999% | 1,804 |
| Cash dividends to net income (ytd only)* | 147.5410% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9730% | 1,569 |
| Loan loss allowance to noncurrent loans | 78.2188% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 1.8392% | 1,889 |
| Noncurrent loans to loans | 2.5225% | 1,368 |
| Net loans and leases to total assets | 67.4246% | 2,313 |
| Net loans and leases to deposits | 77.5132% | 2,626 |
| Net loans and leases to core deposits | 83.8910% | 2,528 |
| Total domestic deposits to total assets | 86.9847% | 2,821 |
| Equity capital to assets | 10.0506% | 3,785 |
| Core capital (leverage) ratio | 10.0490% | 3,495 |
| Tier 1 risk-based capital ratio | 14.1431% | 4,228 |
| Total risk-based capital ratio | 15.4016% | 4,174 |
| Memoranda: | ||
| Average total assets | $170,328,500 | 3,402 |
| Average earning assets | $159,636,000 | 3,351 |
| Average equity | $17,434,000 | 3,489 |
| Average total loans | $119,928,000 | 3,074 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5621% | 1,992 |
| Cost of funding earning assets | 0.3833% | 4,815 |
| Net interest margin | 4.1789% | 1,425 |
| Noninterest income to average assets | 0.5742% | 3,251 |
| Noninterest expense to average assets | 3.0334% | 2,951 |
| Loan and lease loss provision to assets | 0.9717% | 188 |
| Net operating income to assets | 0.5240% | 4,624 |
| Return on assets (ROA) | 0.5240% | 4,748 |
| Pretax return on assets | 0.5240% | 5,128 |
| Return on Equity (ROE) | 4.9119% | 4,673 |
| Retained earnings to average equity (ytd only) | 4.9119% | 2,660 |
| Net charge-offs to loans | 1.1116% | 501 |
| Credit loss provision to net charge-offs | 111.8487% | 2,150 |
| Earnings coverage of net charge-offs (x) | 1.7216% | 4,477 |
| Efficiency ratio | 66.9770% | 4,373 |
| Assets per employee ($millions) | 5.0867% | 2,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9685% | 1,627 |
| Loan loss allowance to noncurrent loans | 77.3628% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 2.3424% | 1,490 |
| Noncurrent loans to loans | 2.5445% | 1,475 |
| Net loans and leases to total assets | 70.6668% | 1,905 |
| Net loans and leases to deposits | 81.7153% | 2,217 |
| Net loans and leases to core deposits | 88.6874% | 2,166 |
| Total domestic deposits to total assets | 86.4793% | 3,003 |
| Equity capital to assets | 10.4259% | 3,254 |
| Core capital (leverage) ratio | 10.7560% | 2,616 |
| Tier 1 risk-based capital ratio | 14.0750% | 4,251 |
| Total risk-based capital ratio | 15.3340% | 4,183 |
| Memoranda: | ||
| Average total assets | $161,270,400 | 3,543 |
| Average earning assets | $152,625,600 | 3,460 |
| Average equity | $17,203,200 | 3,537 |
| Average total loans | $126,040,000 | 2,914 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6428% | 1,763 |
| Cost of funding earning assets | 0.3936% | 4,873 |
| Net interest margin | 4.2492% | 1,208 |
| Noninterest income to average assets | 0.6891% | 2,670 |
| Noninterest expense to average assets | 3.0028% | 2,983 |
| Loan and lease loss provision to assets | 1.1001% | 136 |
| Net operating income to assets | 0.6173% | 4,270 |
| Return on assets (ROA) | 0.6173% | 4,399 |
| Pretax return on assets | 0.6173% | 4,959 |
| Return on Equity (ROE) | 5.7524% | 4,310 |
| Retained earnings to average equity (ytd only) | 5.7524% | 2,565 |
| Net charge-offs to loans | 0.6578% | 926 |
| Credit loss provision to net charge-offs | 209.7134% | 1,156 |
| Earnings coverage of net charge-offs (x) | 3.2739% | 3,751 |
| Efficiency ratio | 63.6171% | 4,862 |
| Assets per employee ($millions) | 5.4710% | 1,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3175% | 1,160 |
| Loan loss allowance to noncurrent loans | 65.2662% | 4,604 |
| Noncurrent assets plus other real estate owned to assets | 2.8215% | 1,316 |
| Noncurrent loans to loans | 3.5509% | 1,068 |
| Net loans and leases to total assets | 74.6012% | 1,190 |
| Net loans and leases to deposits | 86.5334% | 1,554 |
| Net loans and leases to core deposits | 94.5141% | 1,526 |
| Total domestic deposits to total assets | 86.2109% | 3,130 |
| Equity capital to assets | 10.6513% | 3,116 |
| Core capital (leverage) ratio | 10.6409% | 2,848 |
| Tier 1 risk-based capital ratio | 13.6424% | 4,665 |
| Total risk-based capital ratio | 14.9059% | 4,610 |
| Memoranda: | ||
| Average total assets | $159,622,750 | 3,598 |
| Average earning assets | $151,427,750 | 3,508 |
| Average equity | $17,128,750 | 3,588 |
| Average total loans | $127,299,000 | 2,921 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6745% | 1,633 |
| Cost of funding earning assets | 0.4047% | 4,895 |
| Net interest margin | 4.2698% | 1,091 |
| Noninterest income to average assets | 0.2138% | 5,914 |
| Noninterest expense to average assets | 3.0078% | 2,978 |
| Loan and lease loss provision to assets | 0.9436% | 204 |
| Net operating income to assets | 0.3327% | 5,480 |
| Return on assets (ROA) | 0.3327% | 5,642 |
| Pretax return on assets | 0.3327% | 5,791 |
| Return on Equity (ROE) | 3.0921% | 5,585 |
| Retained earnings to average equity (ytd only) | 3.0921% | 4,350 |
| Net charge-offs to loans | 0.8488% | 732 |
| Credit loss provision to net charge-offs | 137.3849% | 1,653 |
| Earnings coverage of net charge-offs (x) | 1.8582% | 3,910 |
| Efficiency ratio | 70.2096% | 3,789 |
| Assets per employee ($millions) | 5.0497% | 2,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8092% | 2,406 |
| Loan loss allowance to noncurrent loans | 70.5042% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 2.2347% | 1,932 |
| Noncurrent loans to loans | 2.5662% | 1,796 |
| Net loans and leases to total assets | 81.2450% | 413 |
| Net loans and leases to deposits | 101.2502% | 365 |
| Net loans and leases to core deposits | 111.4268% | 504 |
| Total domestic deposits to total assets | 80.2418% | 5,550 |
| Equity capital to assets | 10.4784% | 3,330 |
| Core capital (leverage) ratio | 10.4752% | 2,909 |
| Tier 1 risk-based capital ratio | 13.1767% | 5,011 |
| Total risk-based capital ratio | 14.4349% | 4,943 |
| Memoranda: | ||
| Average total assets | $158,120,330 | 3,648 |
| Average earning assets | $150,733,670 | 3,539 |
| Average equity | $17,011,000 | 3,620 |
| Average total loans | $127,949,330 | 2,917 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6744% | 1,608 |
| Cost of funding earning assets | 0.4394% | 4,707 |
| Net interest margin | 4.2350% | 1,108 |
| Noninterest income to average assets | 0.2276% | 5,837 |
| Noninterest expense to average assets | 3.0796% | 2,735 |
| Loan and lease loss provision to assets | 0.9387% | 201 |
| Net operating income to assets | 0.2276% | 5,799 |
| Return on assets (ROA) | 0.2276% | 5,925 |
| Pretax return on assets | 0.2276% | 6,025 |
| Return on Equity (ROE) | 2.0879% | 5,911 |
| Retained earnings to average equity (ytd only) | 2.0879% | 4,962 |
| Net charge-offs to loans | 0.6140% | 991 |
| Credit loss provision to net charge-offs | 191.1458% | 1,130 |
| Earnings coverage of net charge-offs (x) | 2.3750% | 3,055 |
| Efficiency ratio | 72.5301% | 3,512 |
| Assets per employee ($millions) | 5.2596% | 1,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8848% | 2,354 |
| Loan loss allowance to noncurrent loans | 79.6802% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 2.0166% | 2,324 |
| Noncurrent loans to loans | 2.3654% | 2,202 |
| Net loans and leases to total assets | 78.9171% | 521 |
| Net loans and leases to deposits | 93.8917% | 671 |
| Net loans and leases to core deposits | 101.6307% | 848 |
| Total domestic deposits to total assets | 84.0513% | 4,455 |
| Equity capital to assets | 10.8355% | 3,163 |
| Core capital (leverage) ratio | 10.7327% | 2,514 |
| Tier 1 risk-based capital ratio | 13.4713% | 4,892 |
| Total risk-based capital ratio | 14.7301% | 4,846 |
| Memoranda: | ||
| Average total assets | $156,386,000 | 3,703 |
| Average earning assets | $148,381,500 | 3,621 |
| Average equity | $17,050,500 | 3,662 |
| Average total loans | $125,073,000 | 2,987 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6802% | 2,676 |
| Cost of funding earning assets | 0.6051% | 4,297 |
| Net interest margin | 4.0752% | 2,101 |
| Noninterest income to average assets | 0.4497% | 4,247 |
| Noninterest expense to average assets | 3.3606% | 2,148 |
| Loan and lease loss provision to assets | 0.7748% | 636 |
| Net operating income to assets | 0.1749% | 5,832 |
| Return on assets (ROA) | 0.1749% | 6,005 |
| Pretax return on assets | 0.1749% | 6,031 |
| Return on Equity (ROE) | 1.7220% | 5,977 |
| Retained earnings to average equity (ytd only) | 1.7220% | 4,999 |
| Net charge-offs to loans | 2.2245% | 301 |
| Credit loss provision to net charge-offs | 43.6860% | 4,848 |
| Earnings coverage of net charge-offs (x) | 0.5355% | 5,219 |
| Efficiency ratio | 77.9666% | 2,452 |
| Assets per employee ($millions) | 4.9995% | 2,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7990% | 2,586 |
| Loan loss allowance to noncurrent loans | 75.8727% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 2.0015% | 2,448 |
| Noncurrent loans to loans | 2.3711% | 2,262 |
| Net loans and leases to total assets | 78.0824% | 666 |
| Net loans and leases to deposits | 91.8228% | 926 |
| Net loans and leases to core deposits | 96.7911% | 1,242 |
| Total domestic deposits to total assets | 85.0360% | 3,848 |
| Equity capital to assets | 10.9714% | 2,986 |
| Core capital (leverage) ratio | 10.4945% | 2,776 |
| Tier 1 risk-based capital ratio | 13.8354% | 4,509 |
| Total risk-based capital ratio | 15.0935% | 4,455 |
| Memoranda: | ||
| Average total assets | $165,209,200 | 3,532 |
| Average earning assets | $156,509,000 | 3,429 |
| Average equity | $16,782,400 | 3,659 |
| Average total loans | $131,714,200 | 2,852 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6200% | 3,135 |
| Cost of funding earning assets | 0.6479% | 4,217 |
| Net interest margin | 3.9721% | 2,613 |
| Noninterest income to average assets | 0.4816% | 4,050 |
| Noninterest expense to average assets | 3.4786% | 1,808 |
| Loan and lease loss provision to assets | 0.9298% | 465 |
| Net operating income to assets | -0.1653% | 6,470 |
| Return on assets (ROA) | -0.1653% | 6,544 |
| Pretax return on assets | -0.1653% | 6,525 |
| Return on Equity (ROE) | -1.6580% | 6,545 |
| Retained earnings to average equity (ytd only) | -1.6580% | 6,355 |
| Net charge-offs to loans | 1.8131% | 432 |
| Credit loss provision to net charge-offs | 64.2857% | 4,040 |
| Earnings coverage of net charge-offs (x) | 0.5286% | 5,053 |
| Efficiency ratio | 81.9816% | 1,811 |
| Assets per employee ($millions) | 6.0039% | 1,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5808% | 1,100 |
| Loan loss allowance to noncurrent loans | 85.9433% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 2.5305% | 2,086 |
| Noncurrent loans to loans | 3.0029% | 1,861 |
| Net loans and leases to total assets | 74.8866% | 1,125 |
| Net loans and leases to deposits | 87.2059% | 1,457 |
| Net loans and leases to core deposits | 93.2001% | 1,663 |
| Total domestic deposits to total assets | 85.8734% | 3,319 |
| Equity capital to assets | 10.2878% | 4,095 |
| Core capital (leverage) ratio | 10.0557% | 3,465 |
| Tier 1 risk-based capital ratio | 13.3580% | 4,983 |
| Total risk-based capital ratio | 14.6256% | 4,927 |
| Memoranda: | ||
| Average total assets | $167,765,250 | 3,526 |
| Average earning assets | $158,872,000 | 3,429 |
| Average equity | $16,727,000 | 3,702 |
| Average total loans | $133,834,500 | 2,840 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6741% | 3,027 |
| Cost of funding earning assets | 0.6845% | 4,149 |
| Net interest margin | 3.9896% | 2,550 |
| Noninterest income to average assets | 0.5611% | 3,520 |
| Noninterest expense to average assets | 3.5850% | 1,612 |
| Loan and lease loss provision to assets | 0.5364% | 1,155 |
| Net operating income to assets | 0.2051% | 5,896 |
| Return on assets (ROA) | 0.2051% | 6,084 |
| Pretax return on assets | 0.2051% | 6,137 |
| Return on Equity (ROE) | 2.0784% | 6,020 |
| Retained earnings to average equity (ytd only) | 2.0784% | 5,160 |
| Net charge-offs to loans | 2.1255% | 373 |
| Credit loss provision to net charge-offs | 31.2715% | 4,419 |
| Earnings coverage of net charge-offs (x) | 0.4323% | 4,859 |
| Efficiency ratio | 82.8610% | 1,768 |
| Assets per employee ($millions) | 4.8802% | 2,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1886% | 1,797 |
| Loan loss allowance to noncurrent loans | 67.3244% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 3.0445% | 1,804 |
| Noncurrent loans to loans | 3.2508% | 1,792 |
| Net loans and leases to total assets | 79.5343% | 562 |
| Net loans and leases to deposits | 94.8567% | 705 |
| Net loans and leases to core deposits | 103.1878% | 907 |
| Total domestic deposits to total assets | 83.8468% | 4,380 |
| Equity capital to assets | 10.4964% | 3,696 |
| Core capital (leverage) ratio | 9.8994% | 3,575 |
| Tier 1 risk-based capital ratio | 13.1089% | 5,106 |
| Total risk-based capital ratio | 14.3716% | 5,073 |
| Memoranda: | ||
| Average total assets | $169,652,000 | 3,501 |
| Average earning assets | $160,117,000 | 3,425 |
| Average equity | $16,743,670 | 3,695 |
| Average total loans | $136,909,000 | 2,800 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7172% | 2,988 |
| Cost of funding earning assets | 0.7018% | 4,271 |
| Net interest margin | 4.0154% | 2,439 |
| Noninterest income to average assets | 0.5151% | 3,814 |
| Noninterest expense to average assets | 3.2215% | 2,529 |
| Loan and lease loss provision to assets | 0.7013% | 748 |
| Net operating income to assets | 0.3679% | 5,394 |
| Return on assets (ROA) | 0.3679% | 5,573 |
| Pretax return on assets | 0.3679% | 5,813 |
| Return on Equity (ROE) | 3.8407% | 5,359 |
| Retained earnings to average equity (ytd only) | 3.8407% | 4,284 |
| Net charge-offs to loans | 2.9710% | 245 |
| Credit loss provision to net charge-offs | 29.3551% | 3,635 |
| Earnings coverage of net charge-offs (x) | 0.4475% | 4,122 |
| Efficiency ratio | 75.0804% | 2,923 |
| Assets per employee ($millions) | 5.1625% | 2,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3044% | 1,666 |
| Loan loss allowance to noncurrent loans | 83.9453% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 3.3654% | 1,714 |
| Noncurrent loans to loans | 2.7451% | 2,374 |
| Net loans and leases to total assets | 75.6483% | 844 |
| Net loans and leases to deposits | 90.0174% | 960 |
| Net loans and leases to core deposits | 96.0518% | 1,296 |
| Total domestic deposits to total assets | 84.0375% | 4,472 |
| Equity capital to assets | 9.5491% | 4,725 |
| Core capital (leverage) ratio | 9.6285% | 3,876 |
| Tier 1 risk-based capital ratio | 12.2490% | 5,795 |
| Total risk-based capital ratio | 13.5122% | 5,753 |
| Memoranda: | ||
| Average total assets | $173,955,500 | 3,470 |
| Average earning assets | $163,571,000 | 3,379 |
| Average equity | $16,663,500 | 3,700 |
| Average total loans | $139,887,500 | 2,786 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0877% | 2,500 |
| Cost of funding earning assets | 0.9372% | 3,818 |
| Net interest margin | 4.1505% | 2,230 |
| Noninterest income to average assets | 0.3802% | 4,785 |
| Noninterest expense to average assets | 3.8112% | 1,328 |
| Loan and lease loss provision to assets | 1.0931% | 828 |
| Net operating income to assets | -0.6475% | 6,574 |
| Return on assets (ROA) | -0.6080% | 6,599 |
| Pretax return on assets | -0.6080% | 6,553 |
| Return on Equity (ROE) | -6.2622% | 6,593 |
| Retained earnings to average equity (ytd only) | -6.2622% | 6,524 |
| Net charge-offs to loans | 2.2749% | 555 |
| Credit loss provision to net charge-offs | 55.6257% | 5,277 |
| Earnings coverage of net charge-offs (x) | 0.2268% | 5,656 |
| Efficiency ratio | 89.5323% | 1,226 |
| Assets per employee ($millions) | 5.0702% | 2,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6873% | 1,084 |
| Loan loss allowance to noncurrent loans | 62.2745% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 5.1547% | 1,024 |
| Noncurrent loans to loans | 4.3152% | 1,409 |
| Net loans and leases to total assets | 81.2103% | 391 |
| Net loans and leases to deposits | 98.2263% | 547 |
| Net loans and leases to core deposits | 105.3766% | 826 |
| Total domestic deposits to total assets | 82.6768% | 4,891 |
| Equity capital to assets | 9.6098% | 4,731 |
| Core capital (leverage) ratio | 9.5800% | 3,904 |
| Tier 1 risk-based capital ratio | 11.6873% | 6,031 |
| Total risk-based capital ratio | 12.9564% | 6,005 |
| Memoranda: | ||
| Average total assets | $177,295,000 | 3,377 |
| Average earning assets | $165,596,000 | 3,314 |
| Average equity | $17,214,400 | 3,544 |
| Average total loans | $153,150,400 | 2,597 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1363% | 2,445 |
| Cost of funding earning assets | 0.9978% | 3,687 |
| Net interest margin | 4.1385% | 2,314 |
| Noninterest income to average assets | 0.7230% | 2,467 |
| Noninterest expense to average assets | 3.5812% | 1,752 |
| Loan and lease loss provision to assets | 1.6670% | 380 |
| Net operating income to assets | -0.6595% | 6,732 |
| Return on assets (ROA) | -0.6595% | 6,768 |
| Pretax return on assets | -0.6595% | 6,715 |
| Return on Equity (ROE) | -6.7752% | 6,757 |
| Retained earnings to average equity (ytd only) | -6.7752% | 6,691 |
| Net charge-offs to loans | 3.1122% | 297 |
| Credit loss provision to net charge-offs | 61.5045% | 4,760 |
| Earnings coverage of net charge-offs (x) | 0.3717% | 5,333 |
| Efficiency ratio | 78.0436% | 2,540 |
| Assets per employee ($millions) | 5.1500% | 1,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7449% | 1,079 |
| Loan loss allowance to noncurrent loans | 121.1957% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 3.9411% | 1,557 |
| Noncurrent loans to loans | 2.2648% | 3,032 |
| Net loans and leases to total assets | 83.6847% | 240 |
| Net loans and leases to deposits | 100.2163% | 465 |
| Net loans and leases to core deposits | 107.8615% | 773 |
| Total domestic deposits to total assets | 83.5041% | 4,477 |
| Equity capital to assets | 9.8328% | 4,578 |
| Core capital (leverage) ratio | 9.4352% | 4,247 |
| Tier 1 risk-based capital ratio | 11.6168% | 6,162 |
| Total risk-based capital ratio | 12.8862% | 6,142 |
| Memoranda: | ||
| Average total assets | $178,522,000 | 3,371 |
| Average earning assets | $166,756,250 | 3,306 |
| Average equity | $17,376,500 | 3,529 |
| Average total loans | $155,472,500 | 2,580 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1259% | 2,562 |
| Cost of funding earning assets | 1.0563% | 3,560 |
| Net interest margin | 4.0696% | 2,536 |
| Noninterest income to average assets | 0.7763% | 2,127 |
| Noninterest expense to average assets | 3.5164% | 1,941 |
| Loan and lease loss provision to assets | 0.7377% | 1,260 |
| Net operating income to assets | 0.3286% | 5,257 |
| Return on assets (ROA) | 0.4058% | 5,079 |
| Pretax return on assets | 0.4058% | 5,377 |
| Return on Equity (ROE) | 4.1822% | 4,846 |
| Retained earnings to average equity (ytd only) | 4.1822% | 3,535 |
| Net charge-offs to loans | 2.0889% | 629 |
| Credit loss provision to net charge-offs | 40.3986% | 4,810 |
| Earnings coverage of net charge-offs (x) | 0.5839% | 4,864 |
| Efficiency ratio | 76.7324% | 2,898 |
| Assets per employee ($millions) | 5.0545% | 2,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9212% | 961 |
| Loan loss allowance to noncurrent loans | 83.5821% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 5.3955% | 1,100 |
| Noncurrent loans to loans | 3.4950% | 2,023 |
| Net loans and leases to total assets | 83.1070% | 299 |
| Net loans and leases to deposits | 99.9701% | 496 |
| Net loans and leases to core deposits | 108.0630% | 814 |
| Total domestic deposits to total assets | 83.1319% | 4,703 |
| Equity capital to assets | 10.0408% | 4,088 |
| Core capital (leverage) ratio | 9.8508% | 3,451 |
| Tier 1 risk-based capital ratio | 12.1057% | 5,708 |
| Total risk-based capital ratio | 13.3774% | 5,660 |
| Memoranda: | ||
| Average total assets | $181,379,000 | 3,348 |
| Average earning assets | $169,648,000 | 3,281 |
| Average equity | $17,598,330 | 3,476 |
| Average total loans | $158,551,000 | 2,559 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0402% | 2,906 |
| Cost of funding earning assets | 1.1092% | 3,467 |
| Net interest margin | 3.9310% | 2,995 |
| Noninterest income to average assets | 0.2614% | 5,793 |
| Noninterest expense to average assets | 3.0673% | 3,397 |
| Loan and lease loss provision to assets | 0.1634% | 3,996 |
| Net operating income to assets | 0.7211% | 3,428 |
| Return on assets (ROA) | 0.7211% | 3,491 |
| Pretax return on assets | 0.7211% | 4,217 |
| Return on Equity (ROE) | 7.5588% | 3,126 |
| Retained earnings to average equity (ytd only) | 7.5588% | 1,917 |
| Net charge-offs to loans | 0.4935% | 2,240 |
| Credit loss provision to net charge-offs | 37.5000% | 3,993 |
| Earnings coverage of net charge-offs (x) | 2.0300% | 3,286 |
| Efficiency ratio | 77.6185% | 2,904 |
| Assets per employee ($millions) | 5.0968% | 2,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3040% | 709 |
| Loan loss allowance to noncurrent loans | 55.1476% | 4,697 |
| Noncurrent assets plus other real estate owned to assets | 7.0676% | 751 |
| Noncurrent loans to loans | 5.9912% | 1,057 |
| Net loans and leases to total assets | 84.3284% | 213 |
| Net loans and leases to deposits | 100.6564% | 435 |
| Net loans and leases to core deposits | 108.9587% | 790 |
| Total domestic deposits to total assets | 83.7785% | 4,582 |
| Equity capital to assets | 9.6324% | 4,275 |
| Core capital (leverage) ratio | 9.7335% | 3,482 |
| Tier 1 risk-based capital ratio | 11.5716% | 6,047 |
| Total risk-based capital ratio | 12.8486% | 6,010 |
| Memoranda: | ||
| Average total assets | $183,614,500 | 3,345 |
| Average earning assets | $172,374,000 | 3,266 |
| Average equity | $17,516,000 | 3,486 |
| Average total loans | $162,103,000 | 2,533 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4414% | 2,500 |
| Cost of funding earning assets | 1.3947% | 3,303 |
| Net interest margin | 4.0467% | 2,813 |
| Noninterest income to average assets | 0.3853% | 5,020 |
| Noninterest expense to average assets | 3.6194% | 1,879 |
| Loan and lease loss provision to assets | 2.3512% | 499 |
| Net operating income to assets | -1.7787% | 6,993 |
| Return on assets (ROA) | -1.6657% | 6,982 |
| Pretax return on assets | -1.6657% | 6,917 |
| Return on Equity (ROE) | -16.6070% | 6,967 |
| Retained earnings to average equity (ytd only) | -16.6070% | 6,935 |
| Net charge-offs to loans | 1.1927% | 1,869 |
| Credit loss provision to net charge-offs | 222.2222% | 1,343 |
| Earnings coverage of net charge-offs (x) | 0.5411% | 5,568 |
| Efficiency ratio | 86.3421% | 1,655 |
| Assets per employee ($millions) | 5.1040% | 2,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2962% | 685 |
| Loan loss allowance to noncurrent loans | 54.7940% | 4,732 |
| Noncurrent assets plus other real estate owned to assets | 6.2222% | 929 |
| Noncurrent loans to loans | 6.0156% | 1,042 |
| Net loans and leases to total assets | 86.4121% | 166 |
| Net loans and leases to deposits | 105.6162% | 339 |
| Net loans and leases to core deposits | 112.0895% | 808 |
| Total domestic deposits to total assets | 81.8171% | 5,242 |
| Equity capital to assets | 9.4468% | 4,474 |
| Core capital (leverage) ratio | 9.1361% | 4,292 |
| Tier 1 risk-based capital ratio | 11.0509% | 6,290 |
| Total risk-based capital ratio | 12.3280% | 6,240 |
| Memoranda: | ||
| Average total assets | $196,494,600 | 3,143 |
| Average earning assets | $184,841,200 | 3,067 |
| Average equity | $19,708,600 | 3,184 |
| Average total loans | $174,309,000 | 2,413 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4717% | 2,551 |
| Cost of funding earning assets | 1.4207% | 3,453 |
| Net interest margin | 4.0510% | 2,853 |
| Noninterest income to average assets | 0.5161% | 4,057 |
| Noninterest expense to average assets | 3.4681% | 2,118 |
| Loan and lease loss provision to assets | 1.5391% | 855 |
| Net operating income to assets | -0.6851% | 6,723 |
| Return on assets (ROA) | -0.6851% | 6,771 |
| Pretax return on assets | -0.6851% | 6,670 |
| Return on Equity (ROE) | -6.7400% | 6,773 |
| Retained earnings to average equity (ytd only) | -6.7400% | 6,693 |
| Net charge-offs to loans | 0.7487% | 2,551 |
| Credit loss provision to net charge-offs | 232.1249% | 1,474 |
| Earnings coverage of net charge-offs (x) | 1.2880% | 4,792 |
| Efficiency ratio | 80.2410% | 2,304 |
| Assets per employee ($millions) | 5.4181% | 1,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4361% | 1,421 |
| Loan loss allowance to noncurrent loans | 62.6479% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 4.7449% | 1,390 |
| Noncurrent loans to loans | 3.8885% | 1,957 |
| Net loans and leases to total assets | 85.8884% | 209 |
| Net loans and leases to deposits | 107.5705% | 305 |
| Net loans and leases to core deposits | 118.9932% | 651 |
| Total domestic deposits to total assets | 79.8438% | 5,758 |
| Equity capital to assets | 10.1332% | 3,972 |
| Core capital (leverage) ratio | 9.9419% | 3,307 |
| Tier 1 risk-based capital ratio | 11.8716% | 5,572 |
| Total risk-based capital ratio | 13.1375% | 5,539 |
| Memoranda: | ||
| Average total assets | $199,682,250 | 3,145 |
| Average earning assets | $187,601,500 | 3,080 |
| Average equity | $20,296,250 | 3,149 |
| Average total loans | $176,839,000 | 2,425 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4937% | 2,542 |
| Cost of funding earning assets | 1.4348% | 3,642 |
| Net interest margin | 4.0589% | 2,755 |
| Noninterest income to average assets | 0.3598% | 5,272 |
| Noninterest expense to average assets | 3.5622% | 1,879 |
| Loan and lease loss provision to assets | 1.7503% | 712 |
| Net operating income to assets | -1.1261% | 6,998 |
| Return on assets (ROA) | -1.1162% | 7,006 |
| Pretax return on assets | -1.1162% | 6,938 |
| Return on Equity (ROE) | -10.9704% | 6,996 |
| Retained earnings to average equity (ytd only) | -10.9704% | 6,951 |
| Net charge-offs to loans | 1.0563% | 1,778 |
| Credit loss provision to net charge-offs | 186.7444% | 2,113 |
| Earnings coverage of net charge-offs (x) | 0.6660% | 5,079 |
| Efficiency ratio | 85.0902% | 1,809 |
| Assets per employee ($millions) | 5.5049% | 1,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1215% | 1,922 |
| Loan loss allowance to noncurrent loans | 128.4918% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 2.8742% | 2,503 |
| Noncurrent loans to loans | 1.6511% | 4,227 |
| Net loans and leases to total assets | 85.8828% | 237 |
| Net loans and leases to deposits | 111.7142% | 236 |
| Net loans and leases to core deposits | 125.3563% | 531 |
| Total domestic deposits to total assets | 76.8772% | 6,533 |
| Equity capital to assets | 10.0229% | 3,997 |
| Core capital (leverage) ratio | 9.7998% | 3,402 |
| Tier 1 risk-based capital ratio | 11.6329% | 5,642 |
| Total risk-based capital ratio | 12.8946% | 5,595 |
| Memoranda: | ||
| Average total assets | $201,225,670 | 3,149 |
| Average earning assets | $189,707,330 | 3,066 |
| Average equity | $20,473,330 | 3,112 |
| Average total loans | $178,548,670 | 2,439 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4948% | 2,602 |
| Cost of funding earning assets | 1.4264% | 4,013 |
| Net interest margin | 4.0684% | 2,575 |
| Noninterest income to average assets | 0.3157% | 5,628 |
| Noninterest expense to average assets | 3.1467% | 3,070 |
| Loan and lease loss provision to assets | 0.8878% | 1,431 |
| Net operating income to assets | 0.1243% | 5,951 |
| Return on assets (ROA) | 0.1243% | 6,067 |
| Pretax return on assets | 0.1243% | 6,077 |
| Return on Equity (ROE) | 1.2128% | 6,060 |
| Retained earnings to average equity (ytd only) | 1.2128% | 5,334 |
| Net charge-offs to loans | 0.8978% | 1,775 |
| Credit loss provision to net charge-offs | 110.8374% | 3,115 |
| Earnings coverage of net charge-offs (x) | 1.2635% | 3,996 |
| Efficiency ratio | 75.6641% | 3,281 |
| Assets per employee ($millions) | 5.8742% | 1,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6429% | 3,282 |
| Loan loss allowance to noncurrent loans | 132.4078% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 2.0253% | 3,473 |
| Noncurrent loans to loans | 1.2408% | 4,896 |
| Net loans and leases to total assets | 87.2008% | 159 |
| Net loans and leases to deposits | 110.7373% | 274 |
| Net loans and leases to core deposits | 122.6590% | 686 |
| Total domestic deposits to total assets | 78.7457% | 6,140 |
| Equity capital to assets | 10.4574% | 3,286 |
| Core capital (leverage) ratio | 10.1283% | 3,005 |
| Tier 1 risk-based capital ratio | 12.0365% | 5,162 |
| Total risk-based capital ratio | 13.2921% | 5,118 |
| Memoranda: | ||
| Average total assets | $202,750,000 | 3,183 |
| Average earning assets | $191,527,000 | 3,101 |
| Average equity | $20,778,500 | 3,093 |
| Average total loans | $180,878,500 | 2,480 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6071% | 3,568 |
| Cost of funding earning assets | 2.0101% | 2,918 |
| Net interest margin | 3.5970% | 4,560 |
| Noninterest income to average assets | 0.3914% | 5,284 |
| Noninterest expense to average assets | 3.1206% | 3,646 |
| Loan and lease loss provision to assets | 1.4479% | 1,591 |
| Net operating income to assets | -0.7321% | 6,394 |
| Return on assets (ROA) | -0.6628% | 6,328 |
| Pretax return on assets | -0.6628% | 6,150 |
| Return on Equity (ROE) | -6.6478% | 6,357 |
| Retained earnings to average equity (ytd only) | -9.1890% | 6,449 |
| Net charge-offs to loans | 0.8222% | 2,768 |
| Credit loss provision to net charge-offs | 190.3629% | 2,102 |
| Earnings coverage of net charge-offs (x) | 0.9411% | 5,171 |
| Efficiency ratio | 81.3421% | 2,693 |
| Assets per employee ($millions) | 5.8793% | 1,336 |
| Cash dividends to net income (ytd only)* | -38.2253% | 7,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5691% | 3,401 |
| Loan loss allowance to noncurrent loans | 122.0211% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 1.4764% | 4,175 |
| Noncurrent loans to loans | 1.2860% | 4,779 |
| Net loans and leases to total assets | 88.3431% | 160 |
| Net loans and leases to deposits | 117.3302% | 208 |
| Net loans and leases to core deposits | 177.8235% | 174 |
| Total domestic deposits to total assets | 75.2945% | 6,811 |
| Equity capital to assets | 10.0454% | 3,697 |
| Core capital (leverage) ratio | 9.8330% | 3,293 |
| Tier 1 risk-based capital ratio | 11.4126% | 5,490 |
| Total risk-based capital ratio | 12.6670% | 5,450 |
| Memoranda: | ||
| Average total assets | $221,015,400 | 2,927 |
| Average earning assets | $211,677,400 | 2,816 |
| Average equity | $22,037,200 | 2,940 |
| Average total loans | $204,440,600 | 2,262 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5850% | 3,946 |
| Cost of funding earning assets | 2.1368% | 2,723 |
| Net interest margin | 3.4482% | 5,078 |
| Noninterest income to average assets | 0.4128% | 5,190 |
| Noninterest expense to average assets | 2.7754% | 4,998 |
| Loan and lease loss provision to assets | 1.1535% | 1,682 |
| Net operating income to assets | -0.2058% | 6,071 |
| Return on assets (ROA) | -0.1150% | 5,943 |
| Pretax return on assets | -0.1150% | 5,863 |
| Return on Equity (ROE) | -1.1558% | 5,961 |
| Retained earnings to average equity (ytd only) | -4.4923% | 6,186 |
| Net charge-offs to loans | 0.5362% | 3,072 |
| Credit loss provision to net charge-offs | 230.9976% | 1,889 |
| Earnings coverage of net charge-offs (x) | 1.8979% | 4,387 |
| Efficiency ratio | 74.5460% | 3,774 |
| Assets per employee ($millions) | 6.1413% | 1,144 |
| Cash dividends to net income (ytd only)* | -288.6608% | 8,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2492% | 4,838 |
| Loan loss allowance to noncurrent loans | 68.8106% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 1.9428% | 3,430 |
| Noncurrent loans to loans | 1.8154% | 3,895 |
| Net loans and leases to total assets | 91.2801% | 73 |
| Net loans and leases to deposits | 122.7642% | 159 |
| Net loans and leases to core deposits | 179.8674% | 186 |
| Total domestic deposits to total assets | 74.3540% | 6,887 |
| Equity capital to assets | 10.2156% | 3,832 |
| Core capital (leverage) ratio | 9.9442% | 3,347 |
| Tier 1 risk-based capital ratio | 11.3228% | 5,618 |
| Total risk-based capital ratio | 12.5733% | 5,558 |
| Memoranda: | ||
| Average total assets | $224,825,250 | 2,896 |
| Average earning assets | $215,835,000 | 2,774 |
| Average equity | $22,378,750 | 2,923 |
| Average total loans | $209,379,000 | 2,223 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5448% | 4,361 |
| Cost of funding earning assets | 2.2227% | 2,693 |
| Net interest margin | 3.3221% | 5,466 |
| Noninterest income to average assets | 0.4726% | 4,694 |
| Noninterest expense to average assets | 2.7275% | 5,267 |
| Loan and lease loss provision to assets | 0.8197% | 2,044 |
| Net operating income to assets | 0.1175% | 5,512 |
| Return on assets (ROA) | 0.2516% | 5,175 |
| Pretax return on assets | 0.2516% | 5,323 |
| Return on Equity (ROE) | 2.5490% | 5,080 |
| Retained earnings to average equity (ytd only) | -2.4246% | 5,845 |
| Net charge-offs to loans | 0.5466% | 2,687 |
| Credit loss provision to net charge-offs | 160.6529% | 2,857 |
| Earnings coverage of net charge-offs (x) | 1.8368% | 4,190 |
| Efficiency ratio | 74.4258% | 3,965 |
| Assets per employee ($millions) | 5.6953% | 1,423 |
| Cash dividends to net income (ytd only)* | 195.1220% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8442% | 7,002 |
| Loan loss allowance to noncurrent loans | 61.6014% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 1.5073% | 3,971 |
| Noncurrent loans to loans | 1.3705% | 4,471 |
| Net loans and leases to total assets | 91.5333% | 68 |
| Net loans and leases to deposits | 117.2930% | 294 |
| Net loans and leases to core deposits | 171.3666% | 310 |
| Total domestic deposits to total assets | 78.0382% | 6,066 |
| Equity capital to assets | 10.0749% | 3,844 |
| Core capital (leverage) ratio | 9.9113% | 3,389 |
| Tier 1 risk-based capital ratio | 11.1246% | 5,747 |
| Total risk-based capital ratio | 11.9888% | 6,086 |
| Memoranda: | ||
| Average total assets | $228,118,330 | 2,881 |
| Average earning assets | $219,197,670 | 2,749 |
| Average equity | $22,519,000 | 2,912 |
| Average total loans | $212,943,670 | 2,222 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5693% | 4,529 |
| Cost of funding earning assets | 2.2986% | 2,705 |
| Net interest margin | 3.2706% | 5,615 |
| Noninterest income to average assets | 0.4586% | 4,695 |
| Noninterest expense to average assets | 2.5061% | 5,820 |
| Loan and lease loss provision to assets | 0.6663% | 1,897 |
| Net operating income to assets | 0.4309% | 4,738 |
| Return on assets (ROA) | 0.6957% | 3,766 |
| Pretax return on assets | 0.6957% | 4,448 |
| Return on Equity (ROE) | 7.1184% | 3,548 |
| Retained earnings to average equity (ytd only) | -2.7978% | 6,244 |
| Net charge-offs to loans | 0.0055% | 5,615 |
| Credit loss provision to net charge-offs | 12,833.3333% | 43 |
| Earnings coverage of net charge-offs (x) | 211.3333% | 200 |
| Efficiency ratio | 69.5485% | 4,671 |
| Assets per employee ($millions) | 5.6008% | 1,471 |
| Cash dividends to net income (ytd only)* | 139.3035% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8151% | 7,103 |
| Loan loss allowance to noncurrent loans | 204.1763% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.3754% | 6,382 |
| Noncurrent loans to loans | 0.3992% | 6,419 |
| Net loans and leases to total assets | 93.2671% | 41 |
| Net loans and leases to deposits | 117.6531% | 343 |
| Net loans and leases to core deposits | 164.3424% | 431 |
| Total domestic deposits to total assets | 79.2729% | 5,615 |
| Equity capital to assets | 9.7643% | 4,290 |
| Core capital (leverage) ratio | 9.7267% | 3,714 |
| Tier 1 risk-based capital ratio | 10.7114% | 6,175 |
| Total risk-based capital ratio | 11.5546% | 6,516 |
| Memoranda: | ||
| Average total assets | $231,119,000 | 2,861 |
| Average earning assets | $222,219,000 | 2,735 |
| Average equity | $22,589,500 | 2,912 |
| Average total loans | $216,894,500 | 2,203 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3541% | 3,673 |
| Cost of funding earning assets | 2.8372% | 2,546 |
| Net interest margin | 3.5170% | 5,243 |
| Noninterest income to average assets | 0.5401% | 4,319 |
| Noninterest expense to average assets | 2.9896% | 4,114 |
| Loan and lease loss provision to assets | 0.1750% | 5,149 |
| Net operating income to assets | 0.7326% | 3,748 |
| Return on assets (ROA) | 0.7326% | 3,583 |
| Pretax return on assets | 0.7326% | 4,294 |
| Return on Equity (ROE) | 7.5917% | 3,245 |
| Retained earnings to average equity (ytd only) | 4.1610% | 2,540 |
| Net charge-offs to loans | 0.0061% | 6,879 |
| Credit loss provision to net charge-offs | 3,083.3333% | 157 |
| Earnings coverage of net charge-offs (x) | 159.9167% | 290 |
| Efficiency ratio | 76.7112% | 3,116 |
| Assets per employee ($millions) | 5.1690% | 1,763 |
| Cash dividends to net income (ytd only)* | 45.1904% | 3,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6325% | 7,601 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 93.0672% | 53 |
| Net loans and leases to deposits | 116.5883% | 501 |
| Net loans and leases to core deposits | 150.0478% | 853 |
| Total domestic deposits to total assets | 79.8255% | 5,089 |
| Equity capital to assets | 9.7835% | 4,317 |
| Core capital (leverage) ratio | 9.7700% | 3,686 |
| Tier 1 risk-based capital ratio | 10.4614% | 6,246 |
| Total risk-based capital ratio | 11.1011% | 6,782 |
| Memoranda: | ||
| Average total assets | $211,436,000 | 2,994 |
| Average earning assets | $201,821,600 | 2,875 |
| Average equity | $20,403,800 | 3,167 |
| Average total loans | $196,321,400 | 2,336 |