Home > First Western Trust Bank > Performance and Condition Ratios
First Western Trust 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 | 5.2090% | 1,641 |
| Cost of funding earning assets | 2.5566% | 328 |
| Net interest margin | 2.6524% | 3,891 |
| Noninterest income to average assets | 0.9300% | 719 |
| Noninterest expense to average assets | 2.7081% | 1,717 |
| Loan and lease loss provision to assets | 0.2000% | 621 |
| Net operating income to assets | 0.4139% | 3,839 |
| Return on assets (ROA) | 0.4133% | 3,839 |
| Pretax return on assets | 0.5454% | 3,735 |
| Return on Equity (ROE) | 4.5800% | 3,802 |
| Retained earnings to average equity (ytd only) | 4.5750% | 2,765 |
| Net charge-offs to loans | 0.0099% | 2,284 |
| Credit loss provision to net charge-offs | 3,034.6774% | 161 |
| Earnings coverage of net charge-offs (x) | 88.6008% | 964 |
| Efficiency ratio | 78.2458% | 1,047 |
| Assets per employee ($millions) | 9.5987% | 802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0967% | 2,860 |
| Loan loss allowance to noncurrent loans | 46.6699% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 2.0113% | 141 |
| Noncurrent loans to loans | 2.3500% | 218 |
| Net loans and leases to total assets | 84.6500% | 228 |
| Net loans and leases to deposits | 98.6972% | 606 |
| Net loans and leases to core deposits | 137.5699% | 295 |
| Total domestic deposits to total assets | 85.7700% | 2,079 |
| Equity capital to assets | 9.1559% | 2,571 |
| Core capital (leverage) ratio | 8.8329% | 3,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6906% | 2,656 |
| Memoranda: | ||
| Average total assets | $2,960,864,000 | 398 |
| Average earning assets | $2,817,688,400 | 380 |
| Average equity | $267,496,600 | 431 |
| Average total loans | $2,512,742,400 | 345 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1438% | 1,554 |
| Cost of funding earning assets | 2.4128% | 330 |
| Net interest margin | 2.7310% | 3,838 |
| Noninterest income to average assets | 0.9300% | 718 |
| Noninterest expense to average assets | 2.7626% | 1,513 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.5111% | 3,741 |
| Return on assets (ROA) | 0.5104% | 3,738 |
| Pretax return on assets | 0.6810% | 3,587 |
| Return on Equity (ROE) | 5.6700% | 3,695 |
| Retained earnings to average equity (ytd only) | 5.6685% | 2,731 |
| Net charge-offs to loans | 0.0108% | 2,000 |
| Credit loss provision to net charge-offs | 1,342.3645% | 329 |
| Earnings coverage of net charge-offs (x) | 83.6798% | 1,022 |
| Efficiency ratio | 78.0539% | 1,007 |
| Assets per employee ($millions) | 9.5809% | 776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9115% | 3,688 |
| Loan loss allowance to noncurrent loans | 41.4543% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 1.8642% | 162 |
| Noncurrent loans to loans | 2.1988% | 245 |
| Net loans and leases to total assets | 84.0100% | 281 |
| Net loans and leases to deposits | 103.1081% | 384 |
| Net loans and leases to core deposits | 145.2932% | 172 |
| Total domestic deposits to total assets | 81.4800% | 3,312 |
| Equity capital to assets | 9.0617% | 2,383 |
| Core capital (leverage) ratio | 8.8838% | 3,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3093% | 2,768 |
| Memoranda: | ||
| Average total assets | $2,957,182,500 | 403 |
| Average earning assets | $2,814,425,500 | 383 |
| Average equity | $266,260,000 | 430 |
| Average total loans | $2,504,250,250 | 346 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1293% | 1,320 |
| Cost of funding earning assets | 2.2730% | 296 |
| Net interest margin | 2.8564% | 3,718 |
| Noninterest income to average assets | 0.9200% | 658 |
| Noninterest expense to average assets | 2.8584% | 1,310 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.5109% | 3,787 |
| Return on assets (ROA) | 0.5109% | 3,795 |
| Pretax return on assets | 0.6800% | 3,640 |
| Return on Equity (ROE) | 5.6900% | 3,761 |
| Retained earnings to average equity (ytd only) | 5.6869% | 2,730 |
| Net charge-offs to loans | 0.0010% | 2,381 |
| Credit loss provision to net charge-offs | 10,800.0000% | 47 |
| Earnings coverage of net charge-offs (x) | 887.6923% | 171 |
| Efficiency ratio | 78.2375% | 984 |
| Assets per employee ($millions) | 9.7784% | 712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8764% | 3,846 |
| Loan loss allowance to noncurrent loans | 217.2679% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 0.3380% | 1,567 |
| Noncurrent loans to loans | 0.4034% | 1,723 |
| Net loans and leases to total assets | 83.0500% | 328 |
| Net loans and leases to deposits | 103.9194% | 372 |
| Net loans and leases to core deposits | 145.7902% | 162 |
| Total domestic deposits to total assets | 79.9200% | 3,588 |
| Equity capital to assets | 8.8975% | 2,590 |
| Core capital (leverage) ratio | 8.6986% | 4,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2321% | 2,816 |
| Memoranda: | ||
| Average total assets | $2,943,298,667 | 393 |
| Average earning assets | $2,801,813,667 | 375 |
| Average equity | $264,431,333 | 423 |
| Average total loans | $2,491,479,000 | 334 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0540% | 1,136 |
| Cost of funding earning assets | 2.0865% | 244 |
| Net interest margin | 2.9675% | 3,665 |
| Noninterest income to average assets | 0.9000% | 683 |
| Noninterest expense to average assets | 2.9612% | 1,130 |
| Loan and lease loss provision to assets | -0.0400% | 4,493 |
| Net operating income to assets | 0.6024% | 3,686 |
| Return on assets (ROA) | 0.6034% | 3,645 |
| Pretax return on assets | 0.8098% | 3,443 |
| Return on Equity (ROE) | 6.6800% | 3,593 |
| Retained earnings to average equity (ytd only) | 6.6835% | 2,593 |
| Net charge-offs to loans | 0.0008% | 2,036 |
| Credit loss provision to net charge-offs | -16,100.0000% | 4,690 |
| Earnings coverage of net charge-offs (x) | 1,115.8000% | 91 |
| Efficiency ratio | 79.2162% | 880 |
| Assets per employee ($millions) | 8.6435% | 1,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8005% | 4,081 |
| Loan loss allowance to noncurrent loans | 115.9867% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 0.5771% | 890 |
| Noncurrent loans to loans | 0.6901% | 1,098 |
| Net loans and leases to total assets | 82.9400% | 300 |
| Net loans and leases to deposits | 101.7086% | 368 |
| Net loans and leases to core deposits | 127.9365% | 305 |
| Total domestic deposits to total assets | 81.5500% | 3,553 |
| Equity capital to assets | 8.8653% | 2,619 |
| Core capital (leverage) ratio | 8.5927% | 4,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1190% | 2,927 |
| Memoranda: | ||
| Average total assets | $2,913,968,500 | 407 |
| Average earning assets | $2,775,543,000 | 390 |
| Average equity | $263,097,000 | 437 |
| Average total loans | $2,479,561,000 | 343 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0691% | 1,545 |
| Cost of funding earning assets | 0.6238% | 816 |
| Net interest margin | 3.4453% | 2,114 |
| Noninterest income to average assets | 1.2200% | 455 |
| Noninterest expense to average assets | 3.2094% | 710 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 0.8648% | 3,100 |
| Return on assets (ROA) | 0.8750% | 3,002 |
| Pretax return on assets | 1.1604% | 2,564 |
| Return on Equity (ROE) | 9.4000% | 2,994 |
| Retained earnings to average equity (ytd only) | 9.4043% | 1,354 |
| Net charge-offs to loans | 0.0106% | 1,981 |
| Credit loss provision to net charge-offs | 1,593.9394% | 307 |
| Earnings coverage of net charge-offs (x) | 147.2078% | 797 |
| Efficiency ratio | 71.1198% | 1,551 |
| Assets per employee ($millions) | 7.8444% | 1,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6928% | 4,217 |
| Loan loss allowance to noncurrent loans | 139.6197% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 0.4298% | 1,191 |
| Noncurrent loans to loans | 0.4962% | 1,459 |
| Net loans and leases to total assets | 86.0200% | 154 |
| Net loans and leases to deposits | 101.2924% | 393 |
| Net loans and leases to core deposits | 116.9304% | 428 |
| Total domestic deposits to total assets | 84.9300% | 3,010 |
| Equity capital to assets | 9.1981% | 2,228 |
| Core capital (leverage) ratio | 8.6535% | 4,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0599% | 2,962 |
| Memoranda: | ||
| Average total assets | $2,642,523,000 | 434 |
| Average earning assets | $2,510,505,000 | 416 |
| Average equity | $245,876,000 | 449 |
| Average total loans | $2,189,245,200 | 353 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7425% | 1,915 |
| Cost of funding earning assets | 0.2978% | 2,191 |
| Net interest margin | 3.4447% | 1,823 |
| Noninterest income to average assets | 1.2800% | 447 |
| Noninterest expense to average assets | 3.2663% | 624 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 0.8740% | 2,989 |
| Return on assets (ROA) | 0.8879% | 2,894 |
| Pretax return on assets | 1.1756% | 2,468 |
| Return on Equity (ROE) | 9.5100% | 2,870 |
| Retained earnings to average equity (ytd only) | 9.5124% | 1,480 |
| Net charge-offs to loans | 0.0086% | 1,819 |
| Credit loss provision to net charge-offs | 1,827.2059% | 269 |
| Earnings coverage of net charge-offs (x) | 183.5000% | 652 |
| Efficiency ratio | 71.4886% | 1,593 |
| Assets per employee ($millions) | 7.2014% | 1,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6808% | 4,283 |
| Loan loss allowance to noncurrent loans | 340.2666% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.1805% | 2,389 |
| Noncurrent loans to loans | 0.2001% | 2,604 |
| Net loans and leases to total assets | 86.1800% | 108 |
| Net loans and leases to deposits | 107.7331% | 157 |
| Net loans and leases to core deposits | 117.8313% | 300 |
| Total domestic deposits to total assets | 80.0000% | 4,099 |
| Equity capital to assets | 9.2170% | 2,062 |
| Core capital (leverage) ratio | 8.8358% | 3,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0942% | 3,027 |
| Memoranda: | ||
| Average total assets | $2,587,350,750 | 440 |
| Average earning assets | $2,455,003,500 | 429 |
| Average equity | $241,504,500 | 460 |
| Average total loans | $2,116,503,750 | 363 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4887% | 2,174 |
| Cost of funding earning assets | 0.1752% | 3,245 |
| Net interest margin | 3.3135% | 1,870 |
| Noninterest income to average assets | 1.4004% | 369 |
| Noninterest expense to average assets | 3.3938% | 482 |
| Loan and lease loss provision to assets | 0.0573% | 1,557 |
| Net operating income to assets | 0.8244% | 2,867 |
| Return on assets (ROA) | 0.8410% | 2,785 |
| Pretax return on assets | 1.1147% | 2,350 |
| Return on Equity (ROE) | 8.9700% | 2,714 |
| Retained earnings to average equity (ytd only) | 8.9700% | 1,300 |
| Net charge-offs to loans | 0.0102% | 1,607 |
| Credit loss provision to net charge-offs | 700.9615% | 513 |
| Earnings coverage of net charge-offs (x) | 140.6923% | 677 |
| Efficiency ratio | 74.4072% | 1,466 |
| Assets per employee ($millions) | 6.9234% | 1,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6614% | 4,395 |
| Loan loss allowance to noncurrent loans | 368.1282% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.1688% | 2,520 |
| Noncurrent loans to loans | 0.1797% | 2,798 |
| Net loans and leases to total assets | 85.0948% | 129 |
| Net loans and leases to deposits | 98.9288% | 312 |
| Net loans and leases to core deposits | 104.1487% | 505 |
| Total domestic deposits to total assets | 86.0162% | 3,241 |
| Equity capital to assets | 9.6144% | 1,930 |
| Core capital (leverage) ratio | 8.6456% | 3,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7473% | 2,873 |
| Memoranda: | ||
| Average total assets | $2,542,426,000 | 444 |
| Average earning assets | $2,412,641,000 | 434 |
| Average equity | $238,373,667 | 464 |
| Average total loans | $2,034,644,000 | 361 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3186% | 2,324 |
| Cost of funding earning assets | 0.1623% | 3,337 |
| Net interest margin | 3.1563% | 2,004 |
| Noninterest income to average assets | 1.5540% | 340 |
| Noninterest expense to average assets | 3.2934% | 536 |
| Loan and lease loss provision to assets | 0.0330% | 1,777 |
| Net operating income to assets | 0.9288% | 2,160 |
| Return on assets (ROA) | 0.9247% | 2,175 |
| Pretax return on assets | 1.2223% | 1,724 |
| Return on Equity (ROE) | 9.9887% | 1,972 |
| Retained earnings to average equity (ytd only) | 9.9887% | 1,024 |
| Net charge-offs to loans | 0.0116% | 1,338 |
| Credit loss provision to net charge-offs | 368.4211% | 609 |
| Earnings coverage of net charge-offs (x) | 140.7895% | 561 |
| Efficiency ratio | 72.0553% | 1,967 |
| Assets per employee ($millions) | 7.1424% | 1,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7100% | 4,370 |
| Loan loss allowance to noncurrent loans | 325.3280% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.1660% | 2,635 |
| Noncurrent loans to loans | 0.2183% | 2,725 |
| Net loans and leases to total assets | 75.5129% | 540 |
| Net loans and leases to deposits | 84.9732% | 808 |
| Net loans and leases to core deposits | 88.7053% | 982 |
| Total domestic deposits to total assets | 88.8668% | 2,138 |
| Equity capital to assets | 9.2592% | 2,476 |
| Core capital (leverage) ratio | 8.2725% | 4,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8219% | 2,670 |
| Memoranda: | ||
| Average total assets | $2,546,654,500 | 447 |
| Average earning assets | $2,420,403,000 | 436 |
| Average equity | $235,747,500 | 474 |
| Average total loans | $1,966,650,000 | 374 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1759% | 3,523 |
| Cost of funding earning assets | 0.1886% | 3,571 |
| Net interest margin | 2.9873% | 3,229 |
| Noninterest income to average assets | 2.3614% | 246 |
| Noninterest expense to average assets | 3.8202% | 343 |
| Loan and lease loss provision to assets | 0.0571% | 1,913 |
| Net operating income to assets | 1.0171% | 2,604 |
| Return on assets (ROA) | 1.0342% | 2,611 |
| Pretax return on assets | 1.3495% | 2,203 |
| Return on Equity (ROE) | 12.2943% | 1,716 |
| Retained earnings to average equity (ytd only) | 12.2943% | 503 |
| Net charge-offs to loans | 0.0021% | 2,558 |
| Credit loss provision to net charge-offs | 3,324.3243% | 205 |
| Earnings coverage of net charge-offs (x) | 806.1081% | 185 |
| Efficiency ratio | 73.3782% | 1,381 |
| Assets per employee ($millions) | 7.1649% | 1,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6943% | 4,432 |
| Loan loss allowance to noncurrent loans | 316.9898% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.1718% | 2,733 |
| Noncurrent loans to loans | 0.2190% | 2,867 |
| Net loans and leases to total assets | 77.8751% | 384 |
| Net loans and leases to deposits | 88.3183% | 634 |
| Net loans and leases to core deposits | 92.3542% | 856 |
| Total domestic deposits to total assets | 88.1755% | 1,943 |
| Equity capital to assets | 9.2551% | 3,363 |
| Core capital (leverage) ratio | 10.0468% | 2,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1887% | 2,842 |
| Memoranda: | ||
| Average total assets | $2,153,644,200 | 494 |
| Average earning assets | $2,050,097,400 | 479 |
| Average equity | $181,173,000 | 599 |
| Average total loans | $1,730,679,400 | 404 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3102% | 3,365 |
| Cost of funding earning assets | 0.2037% | 3,569 |
| Net interest margin | 3.1065% | 3,041 |
| Noninterest income to average assets | 2.5964% | 235 |
| Noninterest expense to average assets | 3.8502% | 319 |
| Loan and lease loss provision to assets | 0.0270% | 2,455 |
| Net operating income to assets | 1.2877% | 1,860 |
| Return on assets (ROA) | 1.2870% | 1,920 |
| Pretax return on assets | 1.6765% | 1,469 |
| Return on Equity (ROE) | 15.7819% | 993 |
| Retained earnings to average equity (ytd only) | 15.7819% | 313 |
| Net charge-offs to loans | -0.0006% | 3,090 |
| Credit loss provision to net charge-offs | -5,971.4286% | 4,153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2996% | 1,675 |
| Assets per employee ($millions) | 6.6784% | 2,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7846% | 4,370 |
| Loan loss allowance to noncurrent loans | 296.9308% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.2109% | 2,721 |
| Noncurrent loans to loans | 0.2642% | 2,867 |
| Net loans and leases to total assets | 79.1862% | 338 |
| Net loans and leases to deposits | 90.5048% | 581 |
| Net loans and leases to core deposits | 97.1600% | 695 |
| Total domestic deposits to total assets | 87.4939% | 2,112 |
| Equity capital to assets | 8.6558% | 4,099 |
| Core capital (leverage) ratio | 8.1060% | 4,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9575% | 2,975 |
| Memoranda: | ||
| Average total assets | $2,061,543,750 | 519 |
| Average earning assets | $1,963,118,500 | 508 |
| Average equity | $168,112,000 | 646 |
| Average total loans | $1,668,904,500 | 425 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2671% | 3,519 |
| Cost of funding earning assets | 0.2132% | 3,623 |
| Net interest margin | 3.0540% | 3,172 |
| Noninterest income to average assets | 2.6610% | 225 |
| Noninterest expense to average assets | 3.9121% | 311 |
| Loan and lease loss provision to assets | 0.0012% | 2,848 |
| Net operating income to assets | 1.2690% | 1,958 |
| Return on assets (ROA) | 1.2681% | 2,034 |
| Pretax return on assets | 1.6531% | 1,607 |
| Return on Equity (ROE) | 15.8781% | 976 |
| Retained earnings to average equity (ytd only) | 15.8781% | 343 |
| Net charge-offs to loans | -0.0001% | 3,019 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,705 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2544% | 1,605 |
| Assets per employee ($millions) | 6.2593% | 2,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7760% | 4,402 |
| Loan loss allowance to noncurrent loans | 402.1788% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.1558% | 3,221 |
| Noncurrent loans to loans | 0.1929% | 3,264 |
| Net loans and leases to total assets | 80.1339% | 309 |
| Net loans and leases to deposits | 94.8287% | 428 |
| Net loans and leases to core deposits | 104.0891% | 532 |
| Total domestic deposits to total assets | 84.5038% | 3,281 |
| Equity capital to assets | 8.5665% | 4,154 |
| Core capital (leverage) ratio | 7.9777% | 4,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9896% | 2,960 |
| Memoranda: | ||
| Average total assets | $2,058,618,667 | 516 |
| Average earning assets | $1,959,150,333 | 502 |
| Average equity | $164,415,333 | 657 |
| Average total loans | $1,674,416,000 | 424 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1758% | 3,727 |
| Cost of funding earning assets | 0.2231% | 3,700 |
| Net interest margin | 2.9527% | 3,377 |
| Noninterest income to average assets | 2.8667% | 217 |
| Noninterest expense to average assets | 4.0517% | 274 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2278% | 2,051 |
| Return on assets (ROA) | 1.2258% | 2,134 |
| Pretax return on assets | 1.6185% | 1,672 |
| Return on Equity (ROE) | 15.9025% | 1,034 |
| Retained earnings to average equity (ytd only) | 15.9025% | 531 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4117% | 1,552 |
| Assets per employee ($millions) | 7.0454% | 1,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7298% | 4,521 |
| Loan loss allowance to noncurrent loans | 311.6828% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.1824% | 3,258 |
| Noncurrent loans to loans | 0.2341% | 3,269 |
| Net loans and leases to total assets | 77.3446% | 514 |
| Net loans and leases to deposits | 93.5514% | 517 |
| Net loans and leases to core deposits | 101.2530% | 662 |
| Total domestic deposits to total assets | 82.6760% | 3,764 |
| Equity capital to assets | 7.4498% | 4,725 |
| Core capital (leverage) ratio | 7.5330% | 4,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5673% | 2,998 |
| Memoranda: | ||
| Average total assets | $2,086,435,000 | 499 |
| Average earning assets | $1,982,731,000 | 487 |
| Average equity | $160,830,500 | 666 |
| Average total loans | $1,702,813,000 | 415 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5623% | 3,900 |
| Cost of funding earning assets | 0.4061% | 3,538 |
| Net interest margin | 3.1562% | 3,478 |
| Noninterest income to average assets | 3.6776% | 147 |
| Noninterest expense to average assets | 4.3111% | 287 |
| Loan and lease loss provision to assets | 0.2815% | 1,354 |
| Net operating income to assets | 1.5554% | 703 |
| Return on assets (ROA) | 1.5561% | 766 |
| Pretax return on assets | 2.0658% | 396 |
| Return on Equity (ROE) | 19.2037% | 269 |
| Retained earnings to average equity (ytd only) | 19.2037% | 73 |
| Net charge-offs to loans | 0.0013% | 3,376 |
| Credit loss provision to net charge-offs | 26,011.1111% | 38 |
| Earnings coverage of net charge-offs (x) | 2,168.4444% | 47 |
| Efficiency ratio | 64.7437% | 2,713 |
| Assets per employee ($millions) | 6.4513% | 1,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7431% | 4,519 |
| Loan loss allowance to noncurrent loans | 308.8424% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.2162% | 3,213 |
| Noncurrent loans to loans | 0.2406% | 3,333 |
| Net loans and leases to total assets | 85.1234% | 129 |
| Net loans and leases to deposits | 102.4934% | 302 |
| Net loans and leases to core deposits | 117.7073% | 342 |
| Total domestic deposits to total assets | 83.0526% | 3,396 |
| Equity capital to assets | 7.9982% | 4,708 |
| Core capital (leverage) ratio | 7.6222% | 4,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2016% | 3,061 |
| Memoranda: | ||
| Average total assets | $1,663,526,600 | 568 |
| Average earning assets | $1,570,588,400 | 552 |
| Average equity | $134,796,800 | 745 |
| Average total loans | $1,382,709,800 | 486 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5633% | 4,099 |
| Cost of funding earning assets | 0.4595% | 3,473 |
| Net interest margin | 3.1038% | 3,725 |
| Noninterest income to average assets | 4.0267% | 130 |
| Noninterest expense to average assets | 4.3545% | 280 |
| Loan and lease loss provision to assets | 0.3349% | 1,155 |
| Net operating income to assets | 1.7407% | 526 |
| Return on assets (ROA) | 1.7418% | 583 |
| Pretax return on assets | 2.2680% | 299 |
| Return on Equity (ROE) | 21.4099% | 194 |
| Retained earnings to average equity (ytd only) | 21.4099% | 67 |
| Net charge-offs to loans | 0.0018% | 3,143 |
| Credit loss provision to net charge-offs | 22,155.5556% | 64 |
| Earnings coverage of net charge-offs (x) | 1,720.8333% | 69 |
| Efficiency ratio | 62.5884% | 2,975 |
| Assets per employee ($millions) | 6.8176% | 1,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7445% | 4,494 |
| Loan loss allowance to noncurrent loans | 316.2040% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.2192% | 3,345 |
| Noncurrent loans to loans | 0.2355% | 3,463 |
| Net loans and leases to total assets | 80.4259% | 572 |
| Net loans and leases to deposits | 100.4361% | 520 |
| Net loans and leases to core deposits | 116.0296% | 501 |
| Total domestic deposits to total assets | 80.0767% | 3,848 |
| Equity capital to assets | 7.5382% | 4,848 |
| Core capital (leverage) ratio | 7.8145% | 4,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2632% | 3,066 |
| Memoranda: | ||
| Average total assets | $1,587,497,000 | 572 |
| Average earning assets | $1,498,236,750 | 559 |
| Average equity | $129,151,750 | 759 |
| Average total loans | $1,306,521,000 | 501 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6287% | 4,218 |
| Cost of funding earning assets | 0.5655% | 3,152 |
| Net interest margin | 3.0632% | 3,984 |
| Noninterest income to average assets | 3.7046% | 128 |
| Noninterest expense to average assets | 4.3096% | 299 |
| Loan and lease loss provision to assets | 0.3409% | 1,254 |
| Net operating income to assets | 1.5014% | 925 |
| Return on assets (ROA) | 1.5032% | 993 |
| Pretax return on assets | 1.9400% | 626 |
| Return on Equity (ROE) | 17.8895% | 377 |
| Retained earnings to average equity (ytd only) | 17.8895% | 124 |
| Net charge-offs to loans | 0.0021% | 2,937 |
| Credit loss provision to net charge-offs | 19,169.2308% | 62 |
| Earnings coverage of net charge-offs (x) | 1,281.3846% | 68 |
| Efficiency ratio | 65.4043% | 2,601 |
| Assets per employee ($millions) | 6.6942% | 1,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6961% | 4,570 |
| Loan loss allowance to noncurrent loans | 177.9344% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 0.3597% | 2,854 |
| Noncurrent loans to loans | 0.3912% | 3,000 |
| Net loans and leases to total assets | 82.0307% | 411 |
| Net loans and leases to deposits | 104.5104% | 357 |
| Net loans and leases to core deposits | 118.7704% | 460 |
| Total domestic deposits to total assets | 78.4905% | 4,116 |
| Equity capital to assets | 7.6440% | 4,843 |
| Core capital (leverage) ratio | 8.6262% | 4,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0459% | 3,158 |
| Memoranda: | ||
| Average total assets | $1,462,176,333 | 604 |
| Average earning assets | $1,376,414,000 | 587 |
| Average equity | $122,865,667 | 784 |
| Average total loans | $1,211,703,333 | 529 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9446% | 3,947 |
| Cost of funding earning assets | 0.8070% | 2,342 |
| Net interest margin | 3.1376% | 4,015 |
| Noninterest income to average assets | 2.7572% | 171 |
| Noninterest expense to average assets | 4.8032% | 251 |
| Loan and lease loss provision to assets | 0.1135% | 2,264 |
| Net operating income to assets | 0.6383% | 3,478 |
| Return on assets (ROA) | 0.6355% | 3,551 |
| Pretax return on assets | 0.7769% | 3,472 |
| Return on Equity (ROE) | 7.1150% | 2,895 |
| Retained earnings to average equity (ytd only) | 7.1150% | 1,495 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3000% | 808 |
| Assets per employee ($millions) | 5.3353% | 2,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7461% | 4,530 |
| Loan loss allowance to noncurrent loans | 146.3164% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 0.4679% | 2,596 |
| Noncurrent loans to loans | 0.5099% | 2,742 |
| Net loans and leases to total assets | 81.5452% | 497 |
| Net loans and leases to deposits | 91.5891% | 1,334 |
| Net loans and leases to core deposits | 100.0120% | 1,472 |
| Total domestic deposits to total assets | 89.0337% | 647 |
| Equity capital to assets | 8.6671% | 4,760 |
| Core capital (leverage) ratio | 8.3309% | 4,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2289% | 3,291 |
| Memoranda: | ||
| Average total assets | $1,292,897,000 | 647 |
| Average earning assets | $1,211,388,000 | 630 |
| Average equity | $115,474,500 | 827 |
| Average total loans | $1,073,800,000 | 559 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2078% | 3,800 |
| Cost of funding earning assets | 1.1332% | 1,215 |
| Net interest margin | 3.0746% | 4,409 |
| Noninterest income to average assets | 3.0247% | 148 |
| Noninterest expense to average assets | 4.8139% | 246 |
| Loan and lease loss provision to assets | 0.0562% | 2,904 |
| Net operating income to assets | 0.8081% | 3,530 |
| Return on assets (ROA) | 0.8175% | 3,594 |
| Pretax return on assets | 1.0501% | 3,331 |
| Return on Equity (ROE) | 8.9116% | 2,791 |
| Retained earnings to average equity (ytd only) | 8.9116% | 731 |
| Net charge-offs to loans | 0.0245% | 2,915 |
| Credit loss provision to net charge-offs | 278.1513% | 1,015 |
| Earnings coverage of net charge-offs (x) | 54.1387% | 1,059 |
| Efficiency ratio | 81.2004% | 856 |
| Assets per employee ($millions) | 5.0052% | 2,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7550% | 4,436 |
| Loan loss allowance to noncurrent loans | 109.1476% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 0.6343% | 1,998 |
| Noncurrent loans to loans | 0.6918% | 2,154 |
| Net loans and leases to total assets | 83.3895% | 382 |
| Net loans and leases to deposits | 94.3371% | 1,125 |
| Net loans and leases to core deposits | 102.8743% | 1,324 |
| Total domestic deposits to total assets | 88.3952% | 942 |
| Equity capital to assets | 9.2177% | 4,557 |
| Core capital (leverage) ratio | 8.0918% | 5,010 |
| Tier 1 risk-based capital ratio | 10.6652% | 4,966 |
| Total risk-based capital ratio | 11.5282% | 5,018 |
| Memoranda: | ||
| Average total assets | $1,177,313,400 | 674 |
| Average earning assets | $1,104,219,400 | 660 |
| Average equity | $107,993,600 | 842 |
| Average total loans | $972,557,000 | 590 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2295% | 3,858 |
| Cost of funding earning assets | 1.1586% | 1,144 |
| Net interest margin | 3.0709% | 4,522 |
| Noninterest income to average assets | 3.0273% | 152 |
| Noninterest expense to average assets | 4.8208% | 233 |
| Loan and lease loss provision to assets | 0.0248% | 3,398 |
| Net operating income to assets | 0.8106% | 3,644 |
| Return on assets (ROA) | 0.8235% | 3,681 |
| Pretax return on assets | 1.0796% | 3,353 |
| Return on Equity (ROE) | 8.9896% | 2,892 |
| Retained earnings to average equity (ytd only) | 8.9896% | 1,047 |
| Net charge-offs to loans | -0.0011% | 4,008 |
| Credit loss provision to net charge-offs | -2,700.0000% | 4,565 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2284% | 814 |
| Assets per employee ($millions) | 5.1484% | 2,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7732% | 4,484 |
| Loan loss allowance to noncurrent loans | 102.1699% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 0.6477% | 2,069 |
| Noncurrent loans to loans | 0.7568% | 2,074 |
| Net loans and leases to total assets | 78.0830% | 1,129 |
| Net loans and leases to deposits | 87.9788% | 1,935 |
| Net loans and leases to core deposits | 98.5525% | 1,780 |
| Total domestic deposits to total assets | 88.7520% | 709 |
| Equity capital to assets | 8.8683% | 4,843 |
| Core capital (leverage) ratio | 8.1946% | 5,064 |
| Tier 1 risk-based capital ratio | 10.9800% | 4,914 |
| Total risk-based capital ratio | 11.8706% | 4,965 |
| Memoranda: | ||
| Average total assets | $1,161,319,000 | 681 |
| Average earning assets | $1,089,677,500 | 667 |
| Average equity | $106,387,250 | 855 |
| Average total loans | $954,951,000 | 601 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2780% | 3,702 |
| Cost of funding earning assets | 1.1440% | 1,152 |
| Net interest margin | 3.1340% | 4,477 |
| Noninterest income to average assets | 2.9027% | 163 |
| Noninterest expense to average assets | 4.7439% | 255 |
| Loan and lease loss provision to assets | 0.0204% | 3,386 |
| Net operating income to assets | 0.8215% | 3,580 |
| Return on assets (ROA) | 0.8241% | 3,624 |
| Pretax return on assets | 1.0830% | 3,280 |
| Return on Equity (ROE) | 8.8904% | 2,901 |
| Retained earnings to average equity (ytd only) | 8.8904% | 1,064 |
| Net charge-offs to loans | -0.0019% | 3,944 |
| Credit loss provision to net charge-offs | -1,277.7778% | 4,304 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7731% | 902 |
| Assets per employee ($millions) | 4.8339% | 2,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7786% | 4,513 |
| Loan loss allowance to noncurrent loans | 103.0052% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 0.6793% | 2,018 |
| Noncurrent loans to loans | 0.7559% | 2,090 |
| Net loans and leases to total assets | 81.8403% | 629 |
| Net loans and leases to deposits | 95.0353% | 1,147 |
| Net loans and leases to core deposits | 106.8470% | 1,187 |
| Total domestic deposits to total assets | 86.1157% | 1,970 |
| Equity capital to assets | 9.1705% | 4,682 |
| Core capital (leverage) ratio | 8.4165% | 4,998 |
| Tier 1 risk-based capital ratio | 10.6476% | 5,055 |
| Total risk-based capital ratio | 11.5322% | 5,098 |
| Memoranda: | ||
| Average total assets | $1,127,973,330 | 699 |
| Average earning assets | $1,058,581,330 | 686 |
| Average equity | $104,562,670 | 858 |
| Average total loans | $942,408,330 | 607 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3175% | 3,508 |
| Cost of funding earning assets | 1.1433% | 1,061 |
| Net interest margin | 3.1742% | 4,441 |
| Noninterest income to average assets | 2.5454% | 186 |
| Noninterest expense to average assets | 4.5983% | 270 |
| Loan and lease loss provision to assets | 0.0704% | 2,252 |
| Net operating income to assets | 0.6596% | 4,064 |
| Return on assets (ROA) | 0.6619% | 4,093 |
| Pretax return on assets | 0.8608% | 3,892 |
| Return on Equity (ROE) | 7.0998% | 3,636 |
| Retained earnings to average equity (ytd only) | 7.0998% | 1,999 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7828% | 811 |
| Assets per employee ($millions) | 4.9238% | 2,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8060% | 4,504 |
| Loan loss allowance to noncurrent loans | 56.1101% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 1.2612% | 1,050 |
| Noncurrent loans to loans | 1.4364% | 1,129 |
| Net loans and leases to total assets | 83.0847% | 461 |
| Net loans and leases to deposits | 95.1529% | 1,047 |
| Net loans and leases to core deposits | 106.8693% | 1,111 |
| Total domestic deposits to total assets | 87.3170% | 1,658 |
| Equity capital to assets | 9.2061% | 4,530 |
| Core capital (leverage) ratio | 8.0671% | 5,189 |
| Tier 1 risk-based capital ratio | 10.3588% | 5,207 |
| Total risk-based capital ratio | 11.2577% | 5,237 |
| Memoranda: | ||
| Average total assets | $1,102,229,500 | 719 |
| Average earning assets | $1,035,217,500 | 704 |
| Average equity | $102,763,000 | 868 |
| Average total loans | $927,187,500 | 623 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1785% | 3,499 |
| Cost of funding earning assets | 0.7759% | 1,658 |
| Net interest margin | 3.4026% | 3,995 |
| Noninterest income to average assets | 2.7557% | 171 |
| Noninterest expense to average assets | 5.0467% | 202 |
| Loan and lease loss provision to assets | 0.0178% | 3,803 |
| Net operating income to assets | 0.6843% | 4,185 |
| Return on assets (ROA) | 0.6832% | 4,193 |
| Pretax return on assets | 0.8822% | 3,943 |
| Return on Equity (ROE) | 7.1625% | 3,771 |
| Retained earnings to average equity (ytd only) | 7.1625% | 1,597 |
| Net charge-offs to loans | 0.0018% | 3,684 |
| Credit loss provision to net charge-offs | 1,125.0000% | 350 |
| Earnings coverage of net charge-offs (x) | 571.0625% | 193 |
| Efficiency ratio | 84.1889% | 644 |
| Assets per employee ($millions) | 4.5041% | 3,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8226% | 4,453 |
| Loan loss allowance to noncurrent loans | 52.4571% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 1.3864% | 889 |
| Noncurrent loans to loans | 1.5681% | 944 |
| Net loans and leases to total assets | 83.8040% | 431 |
| Net loans and leases to deposits | 94.7744% | 1,195 |
| Net loans and leases to core deposits | 109.7624% | 1,020 |
| Total domestic deposits to total assets | 88.4247% | 1,106 |
| Equity capital to assets | 9.4469% | 4,170 |
| Core capital (leverage) ratio | 8.6300% | 4,934 |
| Tier 1 risk-based capital ratio | 10.5481% | 5,163 |
| Total risk-based capital ratio | 11.4683% | 5,189 |
| Memoranda: | ||
| Average total assets | $1,013,647,200 | 757 |
| Average earning assets | $951,039,400 | 736 |
| Average equity | $96,684,200 | 877 |
| Average total loans | $866,034,600 | 646 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1618% | 3,428 |
| Cost of funding earning assets | 0.7198% | 1,747 |
| Net interest margin | 3.4420% | 3,884 |
| Noninterest income to average assets | 2.8456% | 170 |
| Noninterest expense to average assets | 5.2008% | 180 |
| Loan and lease loss provision to assets | -0.0226% | 5,243 |
| Net operating income to assets | 0.6963% | 4,233 |
| Return on assets (ROA) | 0.6940% | 4,250 |
| Pretax return on assets | 0.8893% | 4,056 |
| Return on Equity (ROE) | 7.2632% | 3,835 |
| Retained earnings to average equity (ytd only) | 7.2632% | 1,996 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9222% | 585 |
| Assets per employee ($millions) | 4.4560% | 3,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8148% | 4,560 |
| Loan loss allowance to noncurrent loans | 38.7121% | 4,596 |
| Noncurrent assets plus other real estate owned to assets | 1.8344% | 622 |
| Noncurrent loans to loans | 2.1049% | 681 |
| Net loans and leases to total assets | 83.4508% | 520 |
| Net loans and leases to deposits | 97.5960% | 986 |
| Net loans and leases to core deposits | 111.6370% | 936 |
| Total domestic deposits to total assets | 85.5064% | 2,394 |
| Equity capital to assets | 9.4930% | 4,085 |
| Core capital (leverage) ratio | 8.4536% | 5,115 |
| Tier 1 risk-based capital ratio | 10.4219% | 5,266 |
| Total risk-based capital ratio | 11.3133% | 5,311 |
| Memoranda: | ||
| Average total assets | $998,993,750 | 761 |
| Average earning assets | $935,985,750 | 750 |
| Average equity | $95,456,000 | 885 |
| Average total loans | $856,090,250 | 648 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1246% | 3,366 |
| Cost of funding earning assets | 0.6633% | 1,850 |
| Net interest margin | 3.4613% | 3,760 |
| Noninterest income to average assets | 2.9439% | 166 |
| Noninterest expense to average assets | 5.3614% | 176 |
| Loan and lease loss provision to assets | -0.0379% | 5,359 |
| Net operating income to assets | 0.6722% | 4,277 |
| Return on assets (ROA) | 0.6694% | 4,290 |
| Pretax return on assets | 0.8563% | 4,090 |
| Return on Equity (ROE) | 6.9911% | 3,907 |
| Retained earnings to average equity (ytd only) | 6.9911% | 2,072 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9121% | 575 |
| Assets per employee ($millions) | 4.2349% | 3,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8102% | 4,659 |
| Loan loss allowance to noncurrent loans | 232.6343% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.3590% | 3,304 |
| Noncurrent loans to loans | 0.3483% | 3,449 |
| Net loans and leases to total assets | 84.1180% | 449 |
| Net loans and leases to deposits | 101.8649% | 676 |
| Net loans and leases to core deposits | 116.1251% | 710 |
| Total domestic deposits to total assets | 82.5780% | 3,539 |
| Equity capital to assets | 9.2908% | 4,289 |
| Core capital (leverage) ratio | 8.3230% | 5,200 |
| Tier 1 risk-based capital ratio | 10.1442% | 5,389 |
| Total risk-based capital ratio | 11.0418% | 5,426 |
| Memoranda: | ||
| Average total assets | $985,896,670 | 774 |
| Average earning assets | $922,662,670 | 760 |
| Average equity | $94,406,000 | 890 |
| Average total loans | $850,275,000 | 646 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1175% | 3,178 |
| Cost of funding earning assets | 0.6180% | 1,927 |
| Net interest margin | 3.4995% | 3,537 |
| Noninterest income to average assets | 3.0493% | 158 |
| Noninterest expense to average assets | 5.4596% | 173 |
| Loan and lease loss provision to assets | -0.0777% | 5,495 |
| Net operating income to assets | 0.7249% | 4,004 |
| Return on assets (ROA) | 0.7213% | 4,029 |
| Pretax return on assets | 0.9325% | 3,750 |
| Return on Equity (ROE) | 7.4139% | 3,625 |
| Retained earnings to average equity (ytd only) | 7.4139% | 2,094 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6053% | 674 |
| Assets per employee ($millions) | 4.0064% | 3,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8467% | 4,653 |
| Loan loss allowance to noncurrent loans | 209.1927% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.4162% | 3,167 |
| Noncurrent loans to loans | 0.4047% | 3,335 |
| Net loans and leases to total assets | 85.4048% | 305 |
| Net loans and leases to deposits | 100.9051% | 646 |
| Net loans and leases to core deposits | 134.2881% | 281 |
| Total domestic deposits to total assets | 84.6387% | 3,055 |
| Equity capital to assets | 9.6925% | 3,894 |
| Core capital (leverage) ratio | 8.4348% | 5,177 |
| Tier 1 risk-based capital ratio | 10.3552% | 5,398 |
| Total risk-based capital ratio | 11.2876% | 5,430 |
| Memoranda: | ||
| Average total assets | $962,189,000 | 799 |
| Average earning assets | $898,992,000 | 781 |
| Average equity | $93,607,500 | 898 |
| Average total loans | $837,262,000 | 656 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8890% | 3,765 |
| Cost of funding earning assets | 0.5252% | 2,140 |
| Net interest margin | 3.3639% | 3,957 |
| Noninterest income to average assets | 2.6878% | 200 |
| Noninterest expense to average assets | 4.9450% | 226 |
| Loan and lease loss provision to assets | 0.0851% | 2,501 |
| Net operating income to assets | 0.3332% | 4,865 |
| Return on assets (ROA) | 0.3388% | 4,877 |
| Pretax return on assets | 0.7972% | 4,250 |
| Return on Equity (ROE) | 3.5499% | 4,666 |
| Retained earnings to average equity (ytd only) | 3.4978% | 3,189 |
| Net charge-offs to loans | -0.0028% | 4,560 |
| Credit loss provision to net charge-offs | -3,752.3810% | 5,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5326% | 728 |
| Assets per employee ($millions) | 4.3521% | 3,409 |
| Cash dividends to net income (ytd only)* | 1.4664% | 4,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8717% | 4,588 |
| Loan loss allowance to noncurrent loans | 172.5551% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 0.5121% | 2,852 |
| Noncurrent loans to loans | 0.5052% | 3,007 |
| Net loans and leases to total assets | 86.9435% | 197 |
| Net loans and leases to deposits | 100.6551% | 678 |
| Net loans and leases to core deposits | 132.6242% | 293 |
| Total domestic deposits to total assets | 86.3777% | 2,281 |
| Equity capital to assets | 9.9828% | 3,729 |
| Core capital (leverage) ratio | 8.0675% | 5,416 |
| Tier 1 risk-based capital ratio | 9.5661% | 5,596 |
| Total risk-based capital ratio | 10.5042% | 5,611 |
| Memoranda: | ||
| Average total assets | $926,020,600 | 803 |
| Average earning assets | $861,830,400 | 792 |
| Average equity | $88,369,400 | 918 |
| Average total loans | $756,638,200 | 693 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8183% | 3,944 |
| Cost of funding earning assets | 0.5062% | 2,214 |
| Net interest margin | 3.3121% | 4,127 |
| Noninterest income to average assets | 2.5082% | 225 |
| Noninterest expense to average assets | 4.7445% | 257 |
| Loan and lease loss provision to assets | 0.1149% | 1,881 |
| Net operating income to assets | 0.4782% | 4,794 |
| Return on assets (ROA) | 0.4901% | 4,794 |
| Pretax return on assets | 0.7525% | 4,478 |
| Return on Equity (ROE) | 5.1978% | 4,449 |
| Retained earnings to average equity (ytd only) | 5.1978% | 2,749 |
| Net charge-offs to loans | -0.0034% | 4,395 |
| Credit loss provision to net charge-offs | -4,168.4211% | 5,157 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2292% | 737 |
| Assets per employee ($millions) | 4.3428% | 3,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8951% | 4,591 |
| Loan loss allowance to noncurrent loans | 139.3690% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 0.6163% | 2,669 |
| Noncurrent loans to loans | 0.6422% | 2,787 |
| Net loans and leases to total assets | 84.4714% | 389 |
| Net loans and leases to deposits | 97.9674% | 920 |
| Net loans and leases to core deposits | 131.6742% | 315 |
| Total domestic deposits to total assets | 86.2239% | 2,221 |
| Equity capital to assets | 9.8616% | 4,074 |
| Core capital (leverage) ratio | 8.1239% | 5,464 |
| Tier 1 risk-based capital ratio | 9.3410% | 5,685 |
| Total risk-based capital ratio | 10.2707% | 5,700 |
| Memoranda: | ||
| Average total assets | $919,245,750 | 811 |
| Average earning assets | $856,300,750 | 802 |
| Average equity | $86,674,750 | 939 |
| Average total loans | $736,807,000 | 716 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6658% | 4,328 |
| Cost of funding earning assets | 0.4721% | 2,395 |
| Net interest margin | 3.1937% | 4,439 |
| Noninterest income to average assets | 2.4171% | 240 |
| Noninterest expense to average assets | 4.7527% | 262 |
| Loan and lease loss provision to assets | 0.1071% | 1,894 |
| Net operating income to assets | 0.3532% | 5,087 |
| Return on assets (ROA) | 0.3653% | 5,077 |
| Pretax return on assets | 0.5538% | 4,898 |
| Return on Equity (ROE) | 3.9377% | 4,842 |
| Retained earnings to average equity (ytd only) | 3.9377% | 3,352 |
| Net charge-offs to loans | -0.0051% | 4,341 |
| Credit loss provision to net charge-offs | -2,700.0000% | 4,993 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4678% | 578 |
| Assets per employee ($millions) | 4.9870% | 2,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9292% | 4,513 |
| Loan loss allowance to noncurrent loans | 131.1666% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 0.8669% | 2,038 |
| Noncurrent loans to loans | 0.7084% | 2,631 |
| Net loans and leases to total assets | 79.8224% | 982 |
| Net loans and leases to deposits | 95.8171% | 1,098 |
| Net loans and leases to core deposits | 129.9353% | 309 |
| Total domestic deposits to total assets | 83.3070% | 3,466 |
| Equity capital to assets | 9.3861% | 4,528 |
| Core capital (leverage) ratio | 8.1695% | 5,447 |
| Tier 1 risk-based capital ratio | 9.6444% | 5,691 |
| Total risk-based capital ratio | 10.5883% | 5,711 |
| Memoranda: | ||
| Average total assets | $907,191,330 | 832 |
| Average earning assets | $845,977,670 | 822 |
| Average equity | $84,160,000 | 973 |
| Average total loans | $710,964,000 | 739 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5840% | 4,459 |
| Cost of funding earning assets | 0.4392% | 2,619 |
| Net interest margin | 3.1448% | 4,517 |
| Noninterest income to average assets | 2.3749% | 251 |
| Noninterest expense to average assets | 4.5777% | 311 |
| Loan and lease loss provision to assets | 0.1002% | 1,889 |
| Net operating income to assets | 0.4127% | 4,914 |
| Return on assets (ROA) | 0.4127% | 4,937 |
| Pretax return on assets | 0.6301% | 4,657 |
| Return on Equity (ROE) | 4.4766% | 4,609 |
| Retained earnings to average equity (ytd only) | 4.4766% | 3,182 |
| Net charge-offs to loans | -0.0006% | 3,957 |
| Credit loss provision to net charge-offs | -22,400.0000% | 4,796 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6024% | 835 |
| Assets per employee ($millions) | 4.7619% | 2,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9563% | 4,516 |
| Loan loss allowance to noncurrent loans | 191.3503% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.7043% | 2,531 |
| Noncurrent loans to loans | 0.4998% | 3,306 |
| Net loans and leases to total assets | 77.1385% | 1,252 |
| Net loans and leases to deposits | 89.0685% | 1,659 |
| Net loans and leases to core deposits | 120.5372% | 448 |
| Total domestic deposits to total assets | 86.6058% | 2,398 |
| Equity capital to assets | 9.6397% | 4,140 |
| Core capital (leverage) ratio | 8.2351% | 5,417 |
| Tier 1 risk-based capital ratio | 10.0766% | 5,680 |
| Total risk-based capital ratio | 11.0371% | 5,722 |
| Memoranda: | ||
| Average total assets | $894,503,500 | 849 |
| Average earning assets | $834,260,500 | 838 |
| Average equity | $82,474,000 | 989 |
| Average total loans | $690,756,500 | 757 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6537% | 4,361 |
| Cost of funding earning assets | 0.4187% | 2,819 |
| Net interest margin | 3.2350% | 4,347 |
| Noninterest income to average assets | 3.0466% | 198 |
| Noninterest expense to average assets | 5.3455% | 221 |
| Loan and lease loss provision to assets | 0.1145% | 2,154 |
| Net operating income to assets | 0.3975% | 4,951 |
| Return on assets (ROA) | 0.4063% | 5,001 |
| Pretax return on assets | 0.6166% | 4,738 |
| Return on Equity (ROE) | 4.5805% | 4,627 |
| Retained earnings to average equity (ytd only) | 4.5805% | 2,658 |
| Net charge-offs to loans | 0.0693% | 2,706 |
| Credit loss provision to net charge-offs | 212.7430% | 1,340 |
| Earnings coverage of net charge-offs (x) | 13.3413% | 2,376 |
| Efficiency ratio | 87.5630% | 713 |
| Assets per employee ($millions) | 4.6991% | 2,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9519% | 4,573 |
| Loan loss allowance to noncurrent loans | 179.5952% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.7255% | 2,553 |
| Noncurrent loans to loans | 0.5300% | 3,260 |
| Net loans and leases to total assets | 75.8995% | 1,529 |
| Net loans and leases to deposits | 88.1939% | 1,897 |
| Net loans and leases to core deposits | 121.9876% | 431 |
| Total domestic deposits to total assets | 86.0599% | 2,552 |
| Equity capital to assets | 8.7052% | 5,099 |
| Core capital (leverage) ratio | 7.6279% | 5,721 |
| Tier 1 risk-based capital ratio | 9.2195% | 5,842 |
| Total risk-based capital ratio | 10.1767% | 5,861 |
| Memoranda: | ||
| Average total assets | $860,505,200 | 844 |
| Average earning assets | $802,446,000 | 837 |
| Average equity | $76,323,000 | 1,039 |
| Average total loans | $668,263,800 | 742 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6839% | 4,303 |
| Cost of funding earning assets | 0.4133% | 2,898 |
| Net interest margin | 3.2706% | 4,277 |
| Noninterest income to average assets | 3.2858% | 183 |
| Noninterest expense to average assets | 5.4764% | 211 |
| Loan and lease loss provision to assets | 0.1154% | 2,002 |
| Net operating income to assets | 0.4847% | 4,749 |
| Return on assets (ROA) | 0.4962% | 4,803 |
| Pretax return on assets | 0.7610% | 4,436 |
| Return on Equity (ROE) | 5.5680% | 4,280 |
| Retained earnings to average equity (ytd only) | 5.5680% | 2,449 |
| Net charge-offs to loans | 0.0343% | 2,950 |
| Credit loss provision to net charge-offs | 432.1637% | 798 |
| Earnings coverage of net charge-offs (x) | 32.1468% | 1,422 |
| Efficiency ratio | 85.8647% | 831 |
| Assets per employee ($millions) | 4.6685% | 2,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9489% | 4,669 |
| Loan loss allowance to noncurrent loans | 77.8056% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 1.3211% | 1,443 |
| Noncurrent loans to loans | 1.2195% | 1,837 |
| Net loans and leases to total assets | 79.2802% | 996 |
| Net loans and leases to deposits | 90.9762% | 1,635 |
| Net loans and leases to core deposits | 125.2869% | 385 |
| Total domestic deposits to total assets | 87.1438% | 1,826 |
| Equity capital to assets | 9.1443% | 5,031 |
| Core capital (leverage) ratio | 7.5004% | 5,831 |
| Tier 1 risk-based capital ratio | 9.1679% | 5,911 |
| Total risk-based capital ratio | 10.1486% | 5,924 |
| Memoranda: | ||
| Average total assets | $853,599,500 | 848 |
| Average earning assets | $795,841,750 | 837 |
| Average equity | $76,075,500 | 1,046 |
| Average total loans | $665,189,000 | 747 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6174% | 4,539 |
| Cost of funding earning assets | 0.4026% | 3,014 |
| Net interest margin | 3.2148% | 4,499 |
| Noninterest income to average assets | 3.3358% | 176 |
| Noninterest expense to average assets | 5.3698% | 226 |
| Loan and lease loss provision to assets | 0.1463% | 1,565 |
| Net operating income to assets | 0.5311% | 4,555 |
| Return on assets (ROA) | 0.5485% | 4,593 |
| Pretax return on assets | 0.8464% | 4,133 |
| Return on Equity (ROE) | 6.2086% | 3,959 |
| Retained earnings to average equity (ytd only) | 6.2086% | 2,013 |
| Net charge-offs to loans | 0.0556% | 2,398 |
| Credit loss provision to net charge-offs | 340.4372% | 874 |
| Earnings coverage of net charge-offs (x) | 22.4809% | 1,624 |
| Efficiency ratio | 84.1610% | 1,034 |
| Assets per employee ($millions) | 4.0276% | 3,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9200% | 4,888 |
| Loan loss allowance to noncurrent loans | 153.0876% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.8133% | 2,555 |
| Noncurrent loans to loans | 0.6010% | 3,263 |
| Net loans and leases to total assets | 78.4511% | 1,143 |
| Net loans and leases to deposits | 89.5416% | 1,807 |
| Net loans and leases to core deposits | 125.5361% | 378 |
| Total domestic deposits to total assets | 87.6142% | 1,618 |
| Equity capital to assets | 8.8192% | 5,385 |
| Core capital (leverage) ratio | 7.3234% | 5,910 |
| Tier 1 risk-based capital ratio | 9.0745% | 5,997 |
| Total risk-based capital ratio | 10.0418% | 6,004 |
| Memoranda: | ||
| Average total assets | $851,795,000 | 852 |
| Average earning assets | $794,888,000 | 838 |
| Average equity | $75,250,330 | 1,061 |
| Average total loans | $657,735,000 | 752 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5098% | 4,870 |
| Cost of funding earning assets | 0.3741% | 3,355 |
| Net interest margin | 3.1357% | 4,764 |
| Noninterest income to average assets | 2.9642% | 207 |
| Noninterest expense to average assets | 5.2211% | 243 |
| Loan and lease loss provision to assets | 0.0601% | 2,749 |
| Net operating income to assets | 0.4040% | 4,983 |
| Return on assets (ROA) | 0.4040% | 5,060 |
| Pretax return on assets | 0.6091% | 4,794 |
| Return on Equity (ROE) | 4.5686% | 4,671 |
| Retained earnings to average equity (ytd only) | 4.5686% | 3,195 |
| Net charge-offs to loans | -0.1033% | 5,648 |
| Credit loss provision to net charge-offs | -76.3636% | 4,193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9595% | 820 |
| Assets per employee ($millions) | 4.1243% | 3,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9639% | 4,786 |
| Loan loss allowance to noncurrent loans | 91.2237% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 1.1498% | 1,912 |
| Noncurrent loans to loans | 1.0566% | 2,281 |
| Net loans and leases to total assets | 74.8191% | 1,594 |
| Net loans and leases to deposits | 85.3702% | 2,141 |
| Net loans and leases to core deposits | 121.8721% | 419 |
| Total domestic deposits to total assets | 87.6408% | 1,839 |
| Equity capital to assets | 8.7309% | 5,401 |
| Core capital (leverage) ratio | 7.5529% | 5,917 |
| Tier 1 risk-based capital ratio | 9.4935% | 6,009 |
| Total risk-based capital ratio | 10.5201% | 6,026 |
| Memoranda: | ||
| Average total assets | $838,681,000 | 869 |
| Average earning assets | $782,602,500 | 856 |
| Average equity | $74,158,000 | 1,072 |
| Average total loans | $638,995,000 | 774 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7614% | 4,162 |
| Cost of funding earning assets | 0.2957% | 4,300 |
| Net interest margin | 3.4657% | 3,655 |
| Noninterest income to average assets | 2.9750% | 207 |
| Noninterest expense to average assets | 5.3976% | 219 |
| Loan and lease loss provision to assets | 0.1463% | 1,616 |
| Net operating income to assets | 0.4527% | 4,876 |
| Return on assets (ROA) | 0.5233% | 4,687 |
| Pretax return on assets | 0.7283% | 4,442 |
| Return on Equity (ROE) | 5.3604% | 4,343 |
| Retained earnings to average equity (ytd only) | 5.3604% | 2,165 |
| Net charge-offs to loans | 0.1835% | 1,568 |
| Credit loss provision to net charge-offs | 99.6276% | 2,563 |
| Earnings coverage of net charge-offs (x) | 5.2877% | 3,415 |
| Efficiency ratio | 86.6365% | 946 |
| Assets per employee ($millions) | 4.1811% | 3,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9455% | 4,890 |
| Loan loss allowance to noncurrent loans | 81.6898% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 1.2577% | 1,699 |
| Noncurrent loans to loans | 1.1575% | 2,038 |
| Net loans and leases to total assets | 76.1369% | 1,398 |
| Net loans and leases to deposits | 87.7271% | 1,913 |
| Net loans and leases to core deposits | 117.1310% | 571 |
| Total domestic deposits to total assets | 86.7884% | 2,239 |
| Equity capital to assets | 8.9587% | 5,161 |
| Core capital (leverage) ratio | 7.9703% | 5,851 |
| Tier 1 risk-based capital ratio | 9.5366% | 6,040 |
| Total risk-based capital ratio | 10.5357% | 6,072 |
| Memoranda: | ||
| Average total assets | $731,327,200 | 943 |
| Average earning assets | $675,076,000 | 943 |
| Average equity | $71,393,800 | 1,064 |
| Average total loans | $585,311,400 | 801 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8516% | 3,930 |
| Cost of funding earning assets | 0.2856% | 4,496 |
| Net interest margin | 3.5660% | 3,283 |
| Noninterest income to average assets | 2.8614% | 225 |
| Noninterest expense to average assets | 5.4313% | 219 |
| Loan and lease loss provision to assets | 0.1799% | 1,161 |
| Net operating income to assets | 0.3480% | 5,320 |
| Return on assets (ROA) | 0.4312% | 5,131 |
| Pretax return on assets | 0.6594% | 4,807 |
| Return on Equity (ROE) | 4.3147% | 4,909 |
| Retained earnings to average equity (ytd only) | 4.3147% | 3,402 |
| Net charge-offs to loans | 0.1872% | 1,363 |
| Credit loss provision to net charge-offs | 118.7345% | 2,005 |
| Earnings coverage of net charge-offs (x) | 4.6948% | 3,311 |
| Efficiency ratio | 87.6060% | 881 |
| Assets per employee ($millions) | 3.5959% | 4,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9731% | 4,873 |
| Loan loss allowance to noncurrent loans | 155.1409% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 1.2053% | 1,961 |
| Noncurrent loans to loans | 0.6272% | 3,439 |
| Net loans and leases to total assets | 85.1953% | 285 |
| Net loans and leases to deposits | 101.4759% | 576 |
| Net loans and leases to core deposits | 132.0097% | 254 |
| Total domestic deposits to total assets | 83.9563% | 3,452 |
| Equity capital to assets | 9.8939% | 4,291 |
| Core capital (leverage) ratio | 8.1548% | 5,809 |
| Tier 1 risk-based capital ratio | 9.1924% | 6,179 |
| Total risk-based capital ratio | 10.2092% | 6,183 |
| Memoranda: | ||
| Average total assets | $709,283,000 | 983 |
| Average earning assets | $652,624,000 | 982 |
| Average equity | $70,888,000 | 1,082 |
| Average total loans | $574,164,000 | 817 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8409% | 3,914 |
| Cost of funding earning assets | 0.2734% | 4,683 |
| Net interest margin | 3.5675% | 3,221 |
| Noninterest income to average assets | 2.6393% | 252 |
| Noninterest expense to average assets | 5.2074% | 253 |
| Loan and lease loss provision to assets | 0.2341% | 783 |
| Net operating income to assets | 0.3024% | 5,433 |
| Return on assets (ROA) | 0.4265% | 5,156 |
| Pretax return on assets | 0.6720% | 4,749 |
| Return on Equity (ROE) | 4.2531% | 4,923 |
| Retained earnings to average equity (ytd only) | 4.2531% | 3,322 |
| Net charge-offs to loans | 0.3085% | 858 |
| Credit loss provision to net charge-offs | 95.8042% | 2,133 |
| Earnings coverage of net charge-offs (x) | 2.9149% | 3,275 |
| Efficiency ratio | 87.1134% | 968 |
| Assets per employee ($millions) | 4.2908% | 3,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0160% | 4,790 |
| Loan loss allowance to noncurrent loans | 105.9002% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 1.2445% | 2,026 |
| Noncurrent loans to loans | 0.9594% | 2,730 |
| Net loans and leases to total assets | 83.0183% | 471 |
| Net loans and leases to deposits | 107.4616% | 321 |
| Net loans and leases to core deposits | 141.7268% | 155 |
| Total domestic deposits to total assets | 77.2539% | 5,418 |
| Equity capital to assets | 10.2307% | 3,774 |
| Core capital (leverage) ratio | 8.3509% | 5,674 |
| Tier 1 risk-based capital ratio | 9.5424% | 6,195 |
| Total risk-based capital ratio | 10.5846% | 6,206 |
| Memoranda: | ||
| Average total assets | $702,386,330 | 994 |
| Average earning assets | $645,830,330 | 992 |
| Average equity | $70,443,000 | 1,094 |
| Average total loans | $556,214,000 | 847 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7075% | 4,334 |
| Cost of funding earning assets | 0.2788% | 4,680 |
| Net interest margin | 3.4287% | 3,724 |
| Noninterest income to average assets | 2.3540% | 295 |
| Noninterest expense to average assets | 5.0599% | 282 |
| Loan and lease loss provision to assets | 0.1054% | 1,947 |
| Net operating income to assets | 0.1881% | 5,705 |
| Return on assets (ROA) | 0.2606% | 5,626 |
| Pretax return on assets | 0.4578% | 5,292 |
| Return on Equity (ROE) | 2.6246% | 5,501 |
| Retained earnings to average equity (ytd only) | 2.6246% | 4,371 |
| Net charge-offs to loans | 0.0361% | 2,489 |
| Credit loss provision to net charge-offs | 379.5918% | 688 |
| Earnings coverage of net charge-offs (x) | 16.2041% | 1,587 |
| Efficiency ratio | 90.9100% | 787 |
| Assets per employee ($millions) | 4.6346% | 2,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1023% | 4,505 |
| Loan loss allowance to noncurrent loans | 85.2250% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 1.6559% | 1,528 |
| Noncurrent loans to loans | 1.2934% | 2,222 |
| Net loans and leases to total assets | 77.6504% | 974 |
| Net loans and leases to deposits | 94.2185% | 955 |
| Net loans and leases to core deposits | 120.8649% | 391 |
| Total domestic deposits to total assets | 82.4153% | 4,376 |
| Equity capital to assets | 10.0157% | 4,128 |
| Core capital (leverage) ratio | 7.9181% | 5,986 |
| Tier 1 risk-based capital ratio | 9.6026% | 6,256 |
| Total risk-based capital ratio | 10.7055% | 6,258 |
| Memoranda: | ||
| Average total assets | $706,022,500 | 989 |
| Average earning assets | $649,812,000 | 989 |
| Average equity | $70,107,000 | 1,105 |
| Average total loans | $542,823,500 | 864 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8277% | 4,403 |
| Cost of funding earning assets | 0.3285% | 4,510 |
| Net interest margin | 3.4992% | 3,798 |
| Noninterest income to average assets | 2.3942% | 252 |
| Noninterest expense to average assets | 5.2696% | 262 |
| Loan and lease loss provision to assets | 0.1013% | 2,465 |
| Net operating income to assets | 0.1993% | 5,764 |
| Return on assets (ROA) | 0.2361% | 5,749 |
| Pretax return on assets | 0.3106% | 5,682 |
| Return on Equity (ROE) | 2.2195% | 5,715 |
| Retained earnings to average equity (ytd only) | 0.9439% | 5,357 |
| Net charge-offs to loans | 0.0680% | 3,504 |
| Credit loss provision to net charge-offs | 200.0000% | 1,222 |
| Earnings coverage of net charge-offs (x) | 7.1756% | 3,073 |
| Efficiency ratio | 92.5624% | 675 |
| Assets per employee ($millions) | 5.0897% | 2,209 |
| Cash dividends to net income (ytd only)* | 57.4713% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9720% | 5,193 |
| Loan loss allowance to noncurrent loans | 71.1282% | 4,484 |
| Noncurrent assets plus other real estate owned to assets | 1.7054% | 1,566 |
| Noncurrent loans to loans | 1.3665% | 2,150 |
| Net loans and leases to total assets | 74.5414% | 1,490 |
| Net loans and leases to deposits | 89.4325% | 1,569 |
| Net loans and leases to core deposits | 116.4060% | 516 |
| Total domestic deposits to total assets | 83.3493% | 3,961 |
| Equity capital to assets | 9.9614% | 4,163 |
| Core capital (leverage) ratio | 8.4521% | 5,605 |
| Tier 1 risk-based capital ratio | 9.9600% | 6,272 |
| Total risk-based capital ratio | 10.9421% | 6,291 |
| Memoranda: | ||
| Average total assets | $663,300,000 | 1,007 |
| Average earning assets | $613,938,600 | 998 |
| Average equity | $70,556,200 | 1,042 |
| Average total loans | $494,203,400 | 906 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9232% | 4,081 |
| Cost of funding earning assets | 0.3440% | 4,408 |
| Net interest margin | 3.5792% | 3,511 |
| Noninterest income to average assets | 2.3328% | 270 |
| Noninterest expense to average assets | 5.3096% | 256 |
| Loan and lease loss provision to assets | -0.0098% | 6,089 |
| Net operating income to assets | 0.2449% | 5,743 |
| Return on assets (ROA) | 0.2909% | 5,686 |
| Pretax return on assets | 0.4164% | 5,546 |
| Return on Equity (ROE) | 2.6883% | 5,654 |
| Retained earnings to average equity (ytd only) | 0.9880% | 5,490 |
| Net charge-offs to loans | 0.0091% | 4,410 |
| Credit loss provision to net charge-offs | -145.4545% | 5,502 |
| Earnings coverage of net charge-offs (x) | 50.5441% | 970 |
| Efficiency ratio | 92.9675% | 650 |
| Assets per employee ($millions) | 4.7757% | 2,552 |
| Cash dividends to net income (ytd only)* | 63.2465% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9685% | 5,349 |
| Loan loss allowance to noncurrent loans | 282.7094% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.9410% | 3,088 |
| Noncurrent loans to loans | 0.3426% | 4,872 |
| Net loans and leases to total assets | 70.7474% | 2,071 |
| Net loans and leases to deposits | 80.7635% | 2,579 |
| Net loans and leases to core deposits | 107.2635% | 886 |
| Total domestic deposits to total assets | 87.5983% | 1,979 |
| Equity capital to assets | 10.1843% | 3,948 |
| Core capital (leverage) ratio | 8.5767% | 5,572 |
| Tier 1 risk-based capital ratio | 10.7183% | 6,122 |
| Total risk-based capital ratio | 11.6961% | 6,173 |
| Memoranda: | ||
| Average total assets | $652,256,750 | 1,036 |
| Average earning assets | $604,632,750 | 1,027 |
| Average equity | $70,576,750 | 1,041 |
| Average total loans | $484,620,250 | 925 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0025% | 3,719 |
| Cost of funding earning assets | 0.3648% | 4,258 |
| Net interest margin | 3.6377% | 3,201 |
| Noninterest income to average assets | 2.3784% | 264 |
| Noninterest expense to average assets | 5.3035% | 259 |
| Loan and lease loss provision to assets | 0.0256% | 3,765 |
| Net operating income to assets | 0.2137% | 5,793 |
| Return on assets (ROA) | 0.2683% | 5,744 |
| Pretax return on assets | 0.5131% | 5,240 |
| Return on Equity (ROE) | 2.4280% | 5,721 |
| Retained earnings to average equity (ytd only) | 2.4280% | 4,664 |
| Net charge-offs to loans | 0.0008% | 4,365 |
| Credit loss provision to net charge-offs | 4,100.0000% | 89 |
| Earnings coverage of net charge-offs (x) | 726.0000% | 93 |
| Efficiency ratio | 91.1256% | 824 |
| Assets per employee ($millions) | 4.4546% | 2,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0254% | 5,238 |
| Loan loss allowance to noncurrent loans | 275.8833% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 1.1410% | 2,795 |
| Noncurrent loans to loans | 0.3717% | 4,879 |
| Net loans and leases to total assets | 77.7972% | 935 |
| Net loans and leases to deposits | 90.5203% | 1,320 |
| Net loans and leases to core deposits | 129.8053% | 227 |
| Total domestic deposits to total assets | 85.9445% | 3,066 |
| Equity capital to assets | 11.5965% | 2,328 |
| Core capital (leverage) ratio | 8.5369% | 5,598 |
| Tier 1 risk-based capital ratio | 11.1565% | 5,985 |
| Total risk-based capital ratio | 12.2044% | 6,012 |
| Memoranda: | ||
| Average total assets | $640,443,330 | 1,056 |
| Average earning assets | $594,821,000 | 1,038 |
| Average equity | $70,756,670 | 1,031 |
| Average total loans | $482,398,330 | 925 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9171% | 4,016 |
| Cost of funding earning assets | 0.3645% | 4,385 |
| Net interest margin | 3.5525% | 3,471 |
| Noninterest income to average assets | 2.3090% | 266 |
| Noninterest expense to average assets | 5.0073% | 316 |
| Loan and lease loss provision to assets | 0.0372% | 3,315 |
| Net operating income to assets | 0.3301% | 5,393 |
| Return on assets (ROA) | 0.3301% | 5,445 |
| Pretax return on assets | 0.5650% | 4,963 |
| Return on Equity (ROE) | 3.0587% | 5,439 |
| Retained earnings to average equity (ytd only) | 3.0587% | 4,279 |
| Net charge-offs to loans | -0.0339% | 5,630 |
| Credit loss provision to net charge-offs | -148.7805% | 4,911 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2628% | 1,199 |
| Assets per employee ($millions) | 4.8668% | 2,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0236% | 5,432 |
| Loan loss allowance to noncurrent loans | 196.4229% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 1.2057% | 2,851 |
| Noncurrent loans to loans | 0.5211% | 4,611 |
| Net loans and leases to total assets | 73.2726% | 1,389 |
| Net loans and leases to deposits | 85.8467% | 1,623 |
| Net loans and leases to core deposits | 114.6469% | 442 |
| Total domestic deposits to total assets | 85.3529% | 3,694 |
| Equity capital to assets | 10.8247% | 2,907 |
| Core capital (leverage) ratio | 8.6690% | 5,430 |
| Tier 1 risk-based capital ratio | 11.3723% | 5,976 |
| Total risk-based capital ratio | 12.4425% | 6,024 |
| Memoranda: | ||
| Average total assets | $655,525,000 | 1,038 |
| Average earning assets | $609,029,500 | 1,028 |
| Average equity | $70,749,500 | 1,026 |
| Average total loans | $483,747,500 | 926 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0217% | 4,013 |
| Cost of funding earning assets | 0.4740% | 3,876 |
| Net interest margin | 3.5477% | 3,695 |
| Noninterest income to average assets | 2.3113% | 317 |
| Noninterest expense to average assets | 4.9931% | 352 |
| Loan and lease loss provision to assets | -0.2621% | 6,653 |
| Net operating income to assets | 0.5094% | 4,690 |
| Return on assets (ROA) | 0.4993% | 4,871 |
| Pretax return on assets | 0.8078% | 4,116 |
| Return on Equity (ROE) | 4.5907% | 4,838 |
| Retained earnings to average equity (ytd only) | 4.5907% | 2,889 |
| Net charge-offs to loans | 0.5882% | 1,123 |
| Credit loss provision to net charge-offs | -57.8330% | 5,815 |
| Earnings coverage of net charge-offs (x) | 1.2391% | 4,655 |
| Efficiency ratio | 88.8551% | 1,122 |
| Assets per employee ($millions) | 5.1477% | 2,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9983% | 5,577 |
| Loan loss allowance to noncurrent loans | 201.6250% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 1.1757% | 3,049 |
| Noncurrent loans to loans | 0.4951% | 4,759 |
| Net loans and leases to total assets | 72.8284% | 1,544 |
| Net loans and leases to deposits | 85.2968% | 1,775 |
| Net loans and leases to core deposits | 115.8237% | 427 |
| Total domestic deposits to total assets | 85.3823% | 3,562 |
| Equity capital to assets | 10.7612% | 2,866 |
| Core capital (leverage) ratio | 8.7770% | 5,319 |
| Tier 1 risk-based capital ratio | 11.5634% | 5,873 |
| Total risk-based capital ratio | 12.6124% | 5,915 |
| Memoranda: | ||
| Average total assets | $639,517,200 | 1,044 |
| Average earning assets | $584,656,600 | 1,047 |
| Average equity | $69,553,400 | 1,030 |
| Average total loans | $492,660,800 | 864 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0047% | 4,115 |
| Cost of funding earning assets | 0.4993% | 3,773 |
| Net interest margin | 3.5054% | 3,861 |
| Noninterest income to average assets | 2.1982% | 364 |
| Noninterest expense to average assets | 4.9837% | 338 |
| Loan and lease loss provision to assets | -0.3979% | 6,807 |
| Net operating income to assets | 0.5613% | 4,522 |
| Return on assets (ROA) | 0.5464% | 4,739 |
| Pretax return on assets | 0.7846% | 4,354 |
| Return on Equity (ROE) | 5.0103% | 4,719 |
| Retained earnings to average equity (ytd only) | 5.0103% | 3,075 |
| Net charge-offs to loans | 0.7005% | 851 |
| Credit loss provision to net charge-offs | -72.8742% | 5,745 |
| Earnings coverage of net charge-offs (x) | 0.7472% | 4,601 |
| Efficiency ratio | 91.3579% | 893 |
| Assets per employee ($millions) | 5.3631% | 1,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0039% | 5,693 |
| Loan loss allowance to noncurrent loans | 200.3257% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 2.0592% | 1,956 |
| Noncurrent loans to loans | 0.5012% | 4,941 |
| Net loans and leases to total assets | 75.3847% | 1,083 |
| Net loans and leases to deposits | 87.0166% | 1,490 |
| Net loans and leases to core deposits | 119.1435% | 339 |
| Total domestic deposits to total assets | 86.6325% | 2,895 |
| Equity capital to assets | 10.9934% | 2,764 |
| Core capital (leverage) ratio | 9.1589% | 4,890 |
| Tier 1 risk-based capital ratio | 11.0016% | 6,281 |
| Total risk-based capital ratio | 12.0294% | 6,338 |
| Memoranda: | ||
| Average total assets | $634,671,000 | 1,064 |
| Average earning assets | $578,177,750 | 1,062 |
| Average equity | $69,215,250 | 1,040 |
| Average total loans | $494,649,250 | 860 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0807% | 3,819 |
| Cost of funding earning assets | 0.5311% | 3,590 |
| Net interest margin | 3.5496% | 3,566 |
| Noninterest income to average assets | 2.1595% | 400 |
| Noninterest expense to average assets | 5.1097% | 328 |
| Loan and lease loss provision to assets | -0.0386% | 6,629 |
| Net operating income to assets | 0.5366% | 4,632 |
| Return on assets (ROA) | 0.5047% | 4,944 |
| Pretax return on assets | 0.2811% | 5,922 |
| Return on Equity (ROE) | 4.6402% | 4,930 |
| Retained earnings to average equity (ytd only) | 4.6402% | 3,305 |
| Net charge-offs to loans | 1.3165% | 434 |
| Credit loss provision to net charge-offs | -3.7355% | 5,432 |
| Earnings coverage of net charge-offs (x) | 0.2655% | 4,458 |
| Efficiency ratio | 93.8198% | 771 |
| Assets per employee ($millions) | 4.5092% | 2,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2402% | 4,783 |
| Loan loss allowance to noncurrent loans | 112.0305% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 1.9596% | 2,205 |
| Noncurrent loans to loans | 1.1070% | 3,718 |
| Net loans and leases to total assets | 82.4804% | 322 |
| Net loans and leases to deposits | 98.4487% | 520 |
| Net loans and leases to core deposits | 139.8961% | 133 |
| Total domestic deposits to total assets | 83.7801% | 4,421 |
| Equity capital to assets | 11.9620% | 1,942 |
| Core capital (leverage) ratio | 9.1981% | 4,699 |
| Tier 1 risk-based capital ratio | 10.7798% | 6,420 |
| Total risk-based capital ratio | 12.0303% | 6,386 |
| Memoranda: | ||
| Average total assets | $631,706,000 | 1,068 |
| Average earning assets | $573,875,000 | 1,066 |
| Average equity | $68,703,670 | 1,051 |
| Average total loans | $496,175,670 | 851 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9755% | 4,218 |
| Cost of funding earning assets | 0.5441% | 3,635 |
| Net interest margin | 3.4314% | 4,003 |
| Noninterest income to average assets | 2.1343% | 396 |
| Noninterest expense to average assets | 4.8831% | 398 |
| Loan and lease loss provision to assets | 0.0658% | 3,535 |
| Net operating income to assets | 0.2698% | 5,664 |
| Return on assets (ROA) | 0.2698% | 5,784 |
| Pretax return on assets | 0.2930% | 5,868 |
| Return on Equity (ROE) | 2.5958% | 5,741 |
| Retained earnings to average equity (ytd only) | 2.5958% | 4,725 |
| Net charge-offs to loans | 1.5693% | 337 |
| Credit loss provision to net charge-offs | 5.4906% | 3,192 |
| Earnings coverage of net charge-offs (x) | 0.2994% | 3,710 |
| Efficiency ratio | 92.0869% | 974 |
| Assets per employee ($millions) | 5.3736% | 1,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5294% | 3,702 |
| Loan loss allowance to noncurrent loans | 82.8017% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 3.6393% | 1,150 |
| Noncurrent loans to loans | 1.8470% | 2,802 |
| Net loans and leases to total assets | 77.3607% | 680 |
| Net loans and leases to deposits | 90.1943% | 952 |
| Net loans and leases to core deposits | 126.4110% | 203 |
| Total domestic deposits to total assets | 85.7712% | 3,653 |
| Equity capital to assets | 10.9014% | 3,077 |
| Core capital (leverage) ratio | 8.6370% | 5,408 |
| Tier 1 risk-based capital ratio | 10.3735% | 6,612 |
| Total risk-based capital ratio | 11.6271% | 6,599 |
| Memoranda: | ||
| Average total assets | $656,713,000 | 1,032 |
| Average earning assets | $594,743,500 | 1,048 |
| Average equity | $68,264,500 | 1,067 |
| Average total loans | $501,360,000 | 847 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2259% | 4,491 |
| Cost of funding earning assets | 0.6869% | 3,597 |
| Net interest margin | 3.5390% | 4,346 |
| Noninterest income to average assets | 1.8544% | 487 |
| Noninterest expense to average assets | 4.8756% | 419 |
| Loan and lease loss provision to assets | 0.3507% | 1,902 |
| Net operating income to assets | 0.0531% | 6,083 |
| Return on assets (ROA) | 0.0970% | 6,162 |
| Pretax return on assets | -0.0254% | 6,308 |
| Return on Equity (ROE) | 1.0135% | 6,130 |
| Retained earnings to average equity (ytd only) | -2.1678% | 6,183 |
| Net charge-offs to loans | 0.4675% | 2,366 |
| Credit loss provision to net charge-offs | 98.7755% | 3,139 |
| Earnings coverage of net charge-offs (x) | 0.7233% | 5,120 |
| Efficiency ratio | 93.9484% | 803 |
| Assets per employee ($millions) | 5.7539% | 1,471 |
| Cash dividends to net income (ytd only)* | 313.9013% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8501% | 2,438 |
| Loan loss allowance to noncurrent loans | 49.1053% | 5,175 |
| Noncurrent assets plus other real estate owned to assets | 3.4638% | 1,316 |
| Noncurrent loans to loans | 3.7676% | 1,290 |
| Net loans and leases to total assets | 72.9322% | 1,346 |
| Net loans and leases to deposits | 83.7814% | 1,781 |
| Net loans and leases to core deposits | 115.9765% | 359 |
| Total domestic deposits to total assets | 87.0506% | 2,819 |
| Equity capital to assets | 9.9298% | 4,268 |
| Core capital (leverage) ratio | 7.2254% | 6,625 |
| Tier 1 risk-based capital ratio | 10.0992% | 6,673 |
| Total risk-based capital ratio | 11.3573% | 6,644 |
| Memoranda: | ||
| Average total assets | $689,967,600 | 953 |
| Average earning assets | $639,076,000 | 942 |
| Average equity | $66,010,200 | 1,072 |
| Average total loans | $524,078,800 | 786 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2506% | 4,646 |
| Cost of funding earning assets | 0.6937% | 3,828 |
| Net interest margin | 3.5569% | 4,413 |
| Noninterest income to average assets | 1.8281% | 483 |
| Noninterest expense to average assets | 4.8876% | 393 |
| Loan and lease loss provision to assets | 0.3898% | 1,653 |
| Net operating income to assets | -0.1265% | 6,429 |
| Return on assets (ROA) | -0.1265% | 6,514 |
| Pretax return on assets | -0.1406% | 6,507 |
| Return on Equity (ROE) | -1.3350% | 6,523 |
| Retained earnings to average equity (ytd only) | -5.6087% | 6,653 |
| Net charge-offs to loans | 0.5998% | 1,834 |
| Credit loss provision to net charge-offs | 85.0947% | 3,461 |
| Earnings coverage of net charge-offs (x) | 0.5440% | 5,048 |
| Efficiency ratio | 94.1051% | 767 |
| Assets per employee ($millions) | 6.3305% | 1,043 |
| Cash dividends to net income (ytd only)* | -320.1237% | 7,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7411% | 2,991 |
| Loan loss allowance to noncurrent loans | 47.2257% | 5,274 |
| Noncurrent assets plus other real estate owned to assets | 3.1229% | 1,657 |
| Noncurrent loans to loans | 3.6867% | 1,451 |
| Net loans and leases to total assets | 68.0980% | 2,281 |
| Net loans and leases to deposits | 77.5349% | 2,724 |
| Net loans and leases to core deposits | 111.5879% | 517 |
| Total domestic deposits to total assets | 87.8289% | 2,150 |
| Equity capital to assets | 8.8924% | 5,929 |
| Core capital (leverage) ratio | 7.1171% | 6,769 |
| Tier 1 risk-based capital ratio | 9.2621% | 6,921 |
| Total risk-based capital ratio | 10.5188% | 6,920 |
| Memoranda: | ||
| Average total assets | $691,282,000 | 960 |
| Average earning assets | $643,060,750 | 943 |
| Average equity | $65,515,250 | 1,086 |
| Average total loans | $527,901,750 | 786 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4544% | 3,961 |
| Cost of funding earning assets | 0.7157% | 3,893 |
| Net interest margin | 3.7388% | 3,644 |
| Noninterest income to average assets | 1.8300% | 460 |
| Noninterest expense to average assets | 5.1232% | 342 |
| Loan and lease loss provision to assets | 0.7936% | 635 |
| Net operating income to assets | -0.6290% | 6,789 |
| Return on assets (ROA) | -0.6290% | 6,817 |
| Pretax return on assets | -0.6186% | 6,783 |
| Return on Equity (ROE) | -6.4868% | 6,817 |
| Retained earnings to average equity (ytd only) | -12.9460% | 6,908 |
| Net charge-offs to loans | 0.7444% | 1,482 |
| Credit loss provision to net charge-offs | 134.9391% | 2,039 |
| Earnings coverage of net charge-offs (x) | 0.2977% | 4,931 |
| Efficiency ratio | 95.6544% | 715 |
| Assets per employee ($millions) | 5.3535% | 1,763 |
| Cash dividends to net income (ytd only)* | -99.5733% | 7,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9118% | 2,515 |
| Loan loss allowance to noncurrent loans | 60.0154% | 4,636 |
| Noncurrent assets plus other real estate owned to assets | 3.0248% | 1,821 |
| Noncurrent loans to loans | 3.1855% | 1,829 |
| Net loans and leases to total assets | 74.7013% | 1,141 |
| Net loans and leases to deposits | 85.3101% | 1,683 |
| Net loans and leases to core deposits | 128.0950% | 224 |
| Total domestic deposits to total assets | 87.5645% | 2,424 |
| Equity capital to assets | 8.9563% | 5,748 |
| Core capital (leverage) ratio | 6.5874% | 6,911 |
| Tier 1 risk-based capital ratio | 8.3569% | 7,023 |
| Total risk-based capital ratio | 9.6158% | 7,026 |
| Memoranda: | ||
| Average total assets | $670,598,670 | 983 |
| Average earning assets | $622,077,670 | 970 |
| Average equity | $65,024,000 | 1,083 |
| Average total loans | $529,837,670 | 783 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6160% | 3,435 |
| Cost of funding earning assets | 0.7170% | 4,137 |
| Net interest margin | 3.8991% | 2,930 |
| Noninterest income to average assets | 1.8750% | 458 |
| Noninterest expense to average assets | 4.8790% | 402 |
| Loan and lease loss provision to assets | 0.2657% | 2,335 |
| Net operating income to assets | 0.1860% | 6,025 |
| Return on assets (ROA) | 0.1860% | 6,166 |
| Pretax return on assets | 0.3441% | 5,874 |
| Return on Equity (ROE) | 1.8442% | 6,117 |
| Retained earnings to average equity (ytd only) | 1.8442% | 5,324 |
| Net charge-offs to loans | 0.0438% | 4,079 |
| Credit loss provision to net charge-offs | 753.4483% | 447 |
| Earnings coverage of net charge-offs (x) | 17.2931% | 1,310 |
| Efficiency ratio | 87.8821% | 1,295 |
| Assets per employee ($millions) | 5.4823% | 1,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8363% | 2,878 |
| Loan loss allowance to noncurrent loans | 100.5837% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 2.1136% | 2,764 |
| Noncurrent loans to loans | 1.8256% | 3,370 |
| Net loans and leases to total assets | 76.0177% | 794 |
| Net loans and leases to deposits | 88.0056% | 1,163 |
| Net loans and leases to core deposits | 131.8896% | 190 |
| Total domestic deposits to total assets | 86.3782% | 3,315 |
| Equity capital to assets | 9.6319% | 4,610 |
| Core capital (leverage) ratio | 7.6820% | 6,501 |
| Tier 1 risk-based capital ratio | 9.4243% | 6,976 |
| Total risk-based capital ratio | 10.6826% | 6,970 |
| Memoranda: | ||
| Average total assets | $657,919,500 | 1,003 |
| Average earning assets | $609,788,000 | 986 |
| Average equity | $66,370,000 | 1,056 |
| Average total loans | $529,745,500 | 788 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7734% | 3,931 |
| Cost of funding earning assets | 0.7400% | 5,279 |
| Net interest margin | 4.0334% | 2,716 |
| Noninterest income to average assets | 1.9434% | 392 |
| Noninterest expense to average assets | 4.7169% | 482 |
| Loan and lease loss provision to assets | 1.2116% | 725 |
| Net operating income to assets | -0.2821% | 6,328 |
| Return on assets (ROA) | -0.2085% | 6,335 |
| Pretax return on assets | -0.1533% | 6,248 |
| Return on Equity (ROE) | -2.0178% | 6,338 |
| Retained earnings to average equity (ytd only) | -3.6556% | 6,336 |
| Net charge-offs to loans | 1.2911% | 1,277 |
| Credit loss provision to net charge-offs | 111.7372% | 2,971 |
| Earnings coverage of net charge-offs (x) | 0.9081% | 5,124 |
| Efficiency ratio | 82.0144% | 2,027 |
| Assets per employee ($millions) | 5.3424% | 1,789 |
| Cash dividends to net income (ytd only)* | -81.1688% | 7,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8004% | 2,871 |
| Loan loss allowance to noncurrent loans | 80.5184% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 2.6876% | 2,264 |
| Noncurrent loans to loans | 2.2360% | 2,915 |
| Net loans and leases to total assets | 82.4096% | 314 |
| Net loans and leases to deposits | 96.9387% | 631 |
| Net loans and leases to core deposits | 144.9166% | 152 |
| Total domestic deposits to total assets | 85.0121% | 3,837 |
| Equity capital to assets | 10.5917% | 3,426 |
| Core capital (leverage) ratio | 8.3472% | 5,783 |
| Tier 1 risk-based capital ratio | 9.5913% | 6,943 |
| Total risk-based capital ratio | 10.8494% | 6,937 |
| Memoranda: | ||
| Average total assets | $590,857,800 | 1,118 |
| Average earning assets | $550,532,000 | 1,082 |
| Average equity | $61,056,800 | 1,108 |
| Average total loans | $496,230,000 | 844 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8582% | 3,741 |
| Cost of funding earning assets | 0.7470% | 5,486 |
| Net interest margin | 4.1112% | 2,430 |
| Noninterest income to average assets | 1.8668% | 425 |
| Noninterest expense to average assets | 4.7465% | 466 |
| Loan and lease loss provision to assets | 0.6033% | 1,632 |
| Net operating income to assets | 0.2508% | 5,568 |
| Return on assets (ROA) | 0.3215% | 5,489 |
| Pretax return on assets | 0.4547% | 5,304 |
| Return on Equity (ROE) | 3.1319% | 5,364 |
| Retained earnings to average equity (ytd only) | 0.9012% | 5,644 |
| Net charge-offs to loans | 1.4820% | 984 |
| Credit loss provision to net charge-offs | 48.4642% | 5,067 |
| Earnings coverage of net charge-offs (x) | 0.7699% | 5,035 |
| Efficiency ratio | 82.5975% | 1,888 |
| Assets per employee ($millions) | 5.0971% | 2,071 |
| Cash dividends to net income (ytd only)* | 71.2252% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1858% | 5,523 |
| Loan loss allowance to noncurrent loans | 86.5525% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 2.1055% | 3,025 |
| Noncurrent loans to loans | 1.3701% | 4,238 |
| Net loans and leases to total assets | 85.4479% | 146 |
| Net loans and leases to deposits | 102.0506% | 384 |
| Net loans and leases to core deposits | 144.6756% | 158 |
| Total domestic deposits to total assets | 83.7309% | 4,355 |
| Equity capital to assets | 11.5443% | 2,642 |
| Core capital (leverage) ratio | 9.9991% | 3,446 |
| Tier 1 risk-based capital ratio | 10.0166% | 6,950 |
| Total risk-based capital ratio | 11.2295% | 6,946 |
| Memoranda: | ||
| Average total assets | $582,306,500 | 1,132 |
| Average earning assets | $543,644,750 | 1,104 |
| Average equity | $59,769,750 | 1,134 |
| Average total loans | $489,148,500 | 869 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7317% | 4,389 |
| Cost of funding earning assets | 0.7703% | 5,560 |
| Net interest margin | 3.9614% | 3,032 |
| Noninterest income to average assets | 1.8319% | 405 |
| Noninterest expense to average assets | 4.3612% | 696 |
| Loan and lease loss provision to assets | 1.0213% | 843 |
| Net operating income to assets | 0.0820% | 6,058 |
| Return on assets (ROA) | 0.0820% | 6,135 |
| Pretax return on assets | 0.1517% | 6,016 |
| Return on Equity (ROE) | 0.8944% | 6,112 |
| Retained earnings to average equity (ytd only) | 0.8944% | 5,512 |
| Net charge-offs to loans | 2.4671% | 486 |
| Credit loss provision to net charge-offs | 49.2928% | 4,596 |
| Earnings coverage of net charge-offs (x) | 0.5661% | 4,880 |
| Efficiency ratio | 78.3828% | 2,647 |
| Assets per employee ($millions) | 9.7637% | 255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2249% | 5,442 |
| Loan loss allowance to noncurrent loans | 69.2079% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 2.9294% | 2,290 |
| Noncurrent loans to loans | 1.7699% | 3,791 |
| Net loans and leases to total assets | 81.7787% | 387 |
| Net loans and leases to deposits | 96.7893% | 663 |
| Net loans and leases to core deposits | 137.1175% | 207 |
| Total domestic deposits to total assets | 84.4915% | 4,126 |
| Equity capital to assets | 9.1173% | 5,401 |
| Core capital (leverage) ratio | 8.0008% | 6,295 |
| Tier 1 risk-based capital ratio | 9.3606% | 7,128 |
| Total risk-based capital ratio | 10.6092% | 7,129 |
| Memoranda: | ||
| Average total assets | $505,047,330 | 1,335 |
| Average earning assets | $472,010,330 | 1,306 |
| Average equity | $46,287,330 | 1,459 |
| Average total loans | $424,134,330 | 1,015 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7229% | 4,407 |
| Cost of funding earning assets | 0.7746% | 5,719 |
| Net interest margin | 3.9483% | 2,920 |
| Noninterest income to average assets | 1.7427% | 453 |
| Noninterest expense to average assets | 4.4272% | 638 |
| Loan and lease loss provision to assets | 1.4827% | 437 |
| Net operating income to assets | -0.7029% | 6,915 |
| Return on assets (ROA) | -0.7029% | 6,922 |
| Pretax return on assets | -0.4729% | 6,741 |
| Return on Equity (ROE) | -7.6483% | 6,944 |
| Retained earnings to average equity (ytd only) | -7.6483% | 6,726 |
| Net charge-offs to loans | 1.1667% | 1,192 |
| Credit loss provision to net charge-offs | 150.2051% | 1,900 |
| Earnings coverage of net charge-offs (x) | 1.0230% | 3,889 |
| Efficiency ratio | 81.0247% | 2,368 |
| Assets per employee ($millions) | 9.0926% | 320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0684% | 2,252 |
| Loan loss allowance to noncurrent loans | 58.1774% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 4.4146% | 1,479 |
| Noncurrent loans to loans | 3.5553% | 2,090 |
| Net loans and leases to total assets | 83.0439% | 275 |
| Net loans and leases to deposits | 99.5962% | 492 |
| Net loans and leases to core deposits | 148.4669% | 154 |
| Total domestic deposits to total assets | 83.3805% | 4,751 |
| Equity capital to assets | 9.4940% | 4,447 |
| Core capital (leverage) ratio | 8.4623% | 5,525 |
| Tier 1 risk-based capital ratio | 9.5368% | 7,139 |
| Total risk-based capital ratio | 10.7969% | 7,141 |
| Memoranda: | ||
| Average total assets | $493,951,000 | 1,367 |
| Average earning assets | $462,177,000 | 1,335 |
| Average equity | $45,396,000 | 1,479 |
| Average total loans | $417,943,000 | 1,036 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0567% | 4,295 |
| Cost of funding earning assets | 0.8773% | 6,256 |
| Net interest margin | 4.1795% | 2,263 |
| Noninterest income to average assets | 1.4269% | 707 |
| Noninterest expense to average assets | 3.4324% | 2,349 |
| Loan and lease loss provision to assets | 0.7937% | 2,056 |
| Net operating income to assets | 0.8003% | 2,799 |
| Return on assets (ROA) | 0.8218% | 2,845 |
| Pretax return on assets | 1.1969% | 2,236 |
| Return on Equity (ROE) | 9.1367% | 2,239 |
| Retained earnings to average equity (ytd only) | 9.1367% | 670 |
| Net charge-offs to loans | 0.1721% | 5,290 |
| Credit loss provision to net charge-offs | 532.2857% | 424 |
| Earnings coverage of net charge-offs (x) | 13.1414% | 1,439 |
| Efficiency ratio | 63.4062% | 5,441 |
| Assets per employee ($millions) | 12.4225% | 138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9069% | 2,545 |
| Loan loss allowance to noncurrent loans | 55.7181% | 4,673 |
| Noncurrent assets plus other real estate owned to assets | 3.5061% | 1,976 |
| Noncurrent loans to loans | 3.4224% | 2,218 |
| Net loans and leases to total assets | 82.8188% | 397 |
| Net loans and leases to deposits | 98.5078% | 674 |
| Net loans and leases to core deposits | 144.8811% | 193 |
| Total domestic deposits to total assets | 84.0734% | 4,328 |
| Equity capital to assets | 8.8903% | 5,301 |
| Core capital (leverage) ratio | 8.6101% | 5,180 |
| Tier 1 risk-based capital ratio | 9.8758% | 7,026 |
| Total risk-based capital ratio | 11.1349% | 7,022 |
| Memoranda: | ||
| Average total assets | $469,472,000 | 1,424 |
| Average earning assets | $445,367,000 | 1,372 |
| Average equity | $42,225,200 | 1,571 |
| Average total loans | $406,760,800 | 1,110 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0857% | 4,398 |
| Cost of funding earning assets | 0.8787% | 6,478 |
| Net interest margin | 4.2070% | 2,194 |
| Noninterest income to average assets | 1.3212% | 784 |
| Noninterest expense to average assets | 3.3669% | 2,380 |
| Loan and lease loss provision to assets | 0.2473% | 4,616 |
| Net operating income to assets | 1.0654% | 2,018 |
| Return on assets (ROA) | 1.0923% | 2,020 |
| Pretax return on assets | 1.7425% | 1,029 |
| Return on Equity (ROE) | 12.1071% | 1,472 |
| Retained earnings to average equity (ytd only) | 12.1071% | 448 |
| Net charge-offs to loans | 0.1678% | 4,967 |
| Credit loss provision to net charge-offs | 168.8976% | 2,204 |
| Earnings coverage of net charge-offs (x) | 13.3031% | 1,596 |
| Efficiency ratio | 63.0911% | 5,419 |
| Assets per employee ($millions) | 11.9226% | 171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2957% | 4,992 |
| Loan loss allowance to noncurrent loans | 53.1662% | 4,751 |
| Noncurrent assets plus other real estate owned to assets | 2.9105% | 2,492 |
| Noncurrent loans to loans | 2.4371% | 3,193 |
| Net loans and leases to total assets | 85.0259% | 260 |
| Net loans and leases to deposits | 100.3477% | 635 |
| Net loans and leases to core deposits | 145.0354% | 219 |
| Total domestic deposits to total assets | 84.7312% | 3,761 |
| Equity capital to assets | 9.2856% | 5,168 |
| Core capital (leverage) ratio | 8.7327% | 5,130 |
| Tier 1 risk-based capital ratio | 9.9732% | 7,084 |
| Total risk-based capital ratio | 11.2244% | 7,069 |
| Memoranda: | ||
| Average total assets | $462,615,250 | 1,463 |
| Average earning assets | $439,125,250 | 1,403 |
| Average equity | $41,737,500 | 1,586 |
| Average total loans | $403,569,500 | 1,129 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0059% | 4,918 |
| Cost of funding earning assets | 0.8770% | 6,663 |
| Net interest margin | 4.1289% | 2,434 |
| Noninterest income to average assets | 1.2471% | 835 |
| Noninterest expense to average assets | 3.3260% | 2,483 |
| Loan and lease loss provision to assets | 0.2879% | 4,091 |
| Net operating income to assets | 0.9866% | 2,249 |
| Return on assets (ROA) | 1.0274% | 2,169 |
| Pretax return on assets | 1.6210% | 1,245 |
| Return on Equity (ROE) | 11.5043% | 1,597 |
| Retained earnings to average equity (ytd only) | 11.5043% | 568 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0480% | 5,330 |
| Assets per employee ($millions) | 11.3383% | 187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3516% | 4,675 |
| Loan loss allowance to noncurrent loans | 38.6431% | 5,774 |
| Noncurrent assets plus other real estate owned to assets | 3.4064% | 2,067 |
| Noncurrent loans to loans | 3.4977% | 2,263 |
| Net loans and leases to total assets | 90.6490% | 51 |
| Net loans and leases to deposits | 114.4285% | 200 |
| Net loans and leases to core deposits | 155.7097% | 189 |
| Total domestic deposits to total assets | 79.2189% | 5,974 |
| Equity capital to assets | 9.4256% | 4,826 |
| Core capital (leverage) ratio | 8.4937% | 5,418 |
| Tier 1 risk-based capital ratio | 9.4409% | 7,290 |
| Total risk-based capital ratio | 10.6928% | 7,293 |
| Memoranda: | ||
| Average total assets | $457,853,000 | 1,493 |
| Average earning assets | $435,127,330 | 1,429 |
| Average equity | $40,889,000 | 1,616 |
| Average total loans | $401,155,000 | 1,150 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8907% | 5,503 |
| Cost of funding earning assets | 0.8888% | 6,816 |
| Net interest margin | 4.0019% | 2,864 |
| Noninterest income to average assets | 1.1756% | 885 |
| Noninterest expense to average assets | 3.3243% | 2,454 |
| Loan and lease loss provision to assets | 0.2061% | 4,440 |
| Net operating income to assets | 0.9113% | 2,502 |
| Return on assets (ROA) | 0.9113% | 2,571 |
| Pretax return on assets | 1.4469% | 1,644 |
| Return on Equity (ROE) | 10.4906% | 1,952 |
| Retained earnings to average equity (ytd only) | 10.4906% | 1,046 |
| Net charge-offs to loans | 0.0020% | 5,597 |
| Credit loss provision to net charge-offs | 11,850.0000% | 33 |
| Earnings coverage of net charge-offs (x) | 950.5000% | 19 |
| Efficiency ratio | 66.5094% | 5,006 |
| Assets per employee ($millions) | 11.7500% | 184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2944% | 4,965 |
| Loan loss allowance to noncurrent loans | 52.2467% | 4,837 |
| Noncurrent assets plus other real estate owned to assets | 2.3481% | 3,096 |
| Noncurrent loans to loans | 2.4776% | 3,192 |
| Net loans and leases to total assets | 86.6778% | 182 |
| Net loans and leases to deposits | 117.9772% | 168 |
| Net loans and leases to core deposits | 158.0734% | 194 |
| Total domestic deposits to total assets | 73.4700% | 7,110 |
| Equity capital to assets | 9.0592% | 5,189 |
| Core capital (leverage) ratio | 8.4233% | 5,516 |
| Tier 1 risk-based capital ratio | 9.4393% | 7,335 |
| Total risk-based capital ratio | 10.6909% | 7,333 |
| Memoranda: | ||
| Average total assets | $460,013,500 | 1,529 |
| Average earning assets | $436,995,500 | 1,459 |
| Average equity | $39,959,500 | 1,680 |
| Average total loans | $393,355,000 | 1,197 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9307% | 6,634 |
| Cost of funding earning assets | 1.1433% | 6,841 |
| Net interest margin | 3.7874% | 3,763 |
| Noninterest income to average assets | 1.3512% | 815 |
| Noninterest expense to average assets | 3.5503% | 2,268 |
| Loan and lease loss provision to assets | 0.8194% | 2,674 |
| Net operating income to assets | 0.6159% | 3,274 |
| Return on assets (ROA) | 0.6340% | 3,260 |
| Pretax return on assets | 0.6087% | 3,880 |
| Return on Equity (ROE) | 7.2557% | 2,688 |
| Retained earnings to average equity (ytd only) | 7.2557% | 888 |
| Net charge-offs to loans | 0.4397% | 4,039 |
| Credit loss provision to net charge-offs | 219.3673% | 1,722 |
| Earnings coverage of net charge-offs (x) | 3.7747% | 3,205 |
| Efficiency ratio | 71.2626% | 4,396 |
| Assets per employee ($millions) | 11.5444% | 188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2943% | 4,799 |
| Loan loss allowance to noncurrent loans | 65.5336% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 1.8321% | 3,626 |
| Noncurrent loans to loans | 1.9750% | 3,679 |
| Net loans and leases to total assets | 82.1448% | 665 |
| Net loans and leases to deposits | 102.6021% | 716 |
| Net loans and leases to core deposits | 144.2503% | 662 |
| Total domestic deposits to total assets | 80.0615% | 5,656 |
| Equity capital to assets | 8.3168% | 6,178 |
| Core capital (leverage) ratio | 7.6491% | 6,618 |
| Tier 1 risk-based capital ratio | 9.0271% | 7,457 |
| Total risk-based capital ratio | 10.2777% | 7,475 |
| Memoranda: | ||
| Average total assets | $414,668,400 | 1,664 |
| Average earning assets | $395,156,200 | 1,608 |
| Average equity | $36,233,400 | 1,860 |
| Average total loans | $352,318,400 | 1,368 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9671% | 6,709 |
| Cost of funding earning assets | 1.1745% | 6,958 |
| Net interest margin | 3.7926% | 3,687 |
| Noninterest income to average assets | 1.3979% | 777 |
| Noninterest expense to average assets | 3.6499% | 1,921 |
| Loan and lease loss provision to assets | 0.9766% | 1,963 |
| Net operating income to assets | 0.4620% | 4,155 |
| Return on assets (ROA) | 0.4577% | 4,276 |
| Pretax return on assets | 0.3918% | 4,819 |
| Return on Equity (ROE) | 5.1665% | 3,896 |
| Retained earnings to average equity (ytd only) | 5.1665% | 2,391 |
| Net charge-offs to loans | 0.5874% | 2,914 |
| Credit loss provision to net charge-offs | 194.5287% | 2,318 |
| Earnings coverage of net charge-offs (x) | 2.7343% | 3,859 |
| Efficiency ratio | 72.3529% | 4,181 |
| Assets per employee ($millions) | 12.4031% | 163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2520% | 4,808 |
| Loan loss allowance to noncurrent loans | 53.6471% | 4,754 |
| Noncurrent assets plus other real estate owned to assets | 2.5949% | 2,681 |
| Noncurrent loans to loans | 2.3337% | 3,222 |
| Net loans and leases to total assets | 74.3530% | 2,429 |
| Net loans and leases to deposits | 93.0535% | 2,051 |
| Net loans and leases to core deposits | 134.8958% | 1,156 |
| Total domestic deposits to total assets | 79.9035% | 5,469 |
| Equity capital to assets | 7.6931% | 7,156 |
| Core capital (leverage) ratio | 7.0931% | 7,364 |
| Tier 1 risk-based capital ratio | 9.0020% | 7,622 |
| Total risk-based capital ratio | 10.2522% | 7,635 |
| Memoranda: | ||
| Average total assets | $402,891,500 | 1,717 |
| Average earning assets | $385,055,000 | 1,656 |
| Average equity | $35,690,500 | 1,909 |
| Average total loans | $344,323,250 | 1,421 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1272% | 6,326 |
| Cost of funding earning assets | 1.2167% | 7,054 |
| Net interest margin | 3.9104% | 3,058 |
| Noninterest income to average assets | 1.5204% | 642 |
| Noninterest expense to average assets | 3.7675% | 1,707 |
| Loan and lease loss provision to assets | 0.5666% | 2,753 |
| Net operating income to assets | 1.1172% | 1,714 |
| Return on assets (ROA) | 1.1172% | 1,793 |
| Pretax return on assets | 0.9358% | 3,223 |
| Return on Equity (ROE) | 11.9376% | 1,433 |
| Retained earnings to average equity (ytd only) | 11.9376% | 456 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1690% | 4,564 |
| Assets per employee ($millions) | 10.8169% | 213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1163% | 5,484 |
| Loan loss allowance to noncurrent loans | 47.9300% | 5,159 |
| Noncurrent assets plus other real estate owned to assets | 2.2180% | 2,922 |
| Noncurrent loans to loans | 2.3291% | 3,104 |
| Net loans and leases to total assets | 90.3168% | 115 |
| Net loans and leases to deposits | 122.3526% | 194 |
| Net loans and leases to core deposits | 173.2820% | 285 |
| Total domestic deposits to total assets | 73.8169% | 6,978 |
| Equity capital to assets | 9.0713% | 5,214 |
| Core capital (leverage) ratio | 8.4347% | 5,559 |
| Tier 1 risk-based capital ratio | 8.9463% | 7,724 |
| Total risk-based capital ratio | 10.0796% | 7,815 |
| Memoranda: | ||
| Average total assets | $375,948,000 | 1,852 |
| Average earning assets | $360,472,330 | 1,775 |
| Average equity | $35,183,000 | 1,929 |
| Average total loans | $337,690,330 | 1,474 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1840% | 6,360 |
| Cost of funding earning assets | 1.2759% | 7,097 |
| Net interest margin | 3.9081% | 3,011 |
| Noninterest income to average assets | 1.4542% | 664 |
| Noninterest expense to average assets | 3.8069% | 1,456 |
| Loan and lease loss provision to assets | 0.4107% | 2,866 |
| Net operating income to assets | 0.9621% | 2,470 |
| Return on assets (ROA) | 0.9621% | 2,596 |
| Pretax return on assets | 0.9799% | 3,423 |
| Return on Equity (ROE) | 10.1023% | 2,278 |
| Retained earnings to average equity (ytd only) | 10.1023% | 1,162 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9010% | 4,021 |
| Assets per employee ($millions) | 9.1263% | 342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0454% | 5,834 |
| Loan loss allowance to noncurrent loans | 62.1930% | 4,467 |
| Noncurrent assets plus other real estate owned to assets | 1.6011% | 3,515 |
| Noncurrent loans to loans | 1.6809% | 3,737 |
| Net loans and leases to total assets | 88.3876% | 233 |
| Net loans and leases to deposits | 122.9820% | 237 |
| Net loans and leases to core deposits | 168.0289% | 373 |
| Total domestic deposits to total assets | 71.8704% | 7,230 |
| Equity capital to assets | 9.4508% | 4,743 |
| Core capital (leverage) ratio | 9.3580% | 4,158 |
| Tier 1 risk-based capital ratio | 9.2482% | 7,629 |
| Total risk-based capital ratio | 10.2760% | 7,804 |
| Memoranda: | ||
| Average total assets | $358,400,500 | 1,940 |
| Average earning assets | $343,284,500 | 1,860 |
| Average equity | $34,131,000 | 1,993 |
| Average total loans | $318,819,500 | 1,574 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2388% | 4,307 |
| Cost of funding earning assets | 2.1737% | 5,711 |
| Net interest margin | 4.0651% | 2,849 |
| Noninterest income to average assets | 2.0730% | 327 |
| Noninterest expense to average assets | 5.4651% | 506 |
| Loan and lease loss provision to assets | 0.6649% | 2,181 |
| Net operating income to assets | -0.3206% | 6,754 |
| Return on assets (ROA) | -0.3206% | 6,622 |
| Pretax return on assets | -0.2973% | 6,460 |
| Return on Equity (ROE) | -3.2973% | 6,658 |
| Retained earnings to average equity (ytd only) | -3.2973% | 6,175 |
| Net charge-offs to loans | 0.0673% | 5,817 |
| Credit loss provision to net charge-offs | 1,182.1656% | 382 |
| Earnings coverage of net charge-offs (x) | 6.5350% | 3,341 |
| Efficiency ratio | 93.3055% | 1,307 |
| Assets per employee ($millions) | 6.8524% | 756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0303% | 5,773 |
| Loan loss allowance to noncurrent loans | 65.5621% | 4,733 |
| Noncurrent assets plus other real estate owned to assets | 1.5005% | 3,217 |
| Noncurrent loans to loans | 1.5714% | 3,424 |
| Net loans and leases to total assets | 87.6450% | 401 |
| Net loans and leases to deposits | 123.0161% | 322 |
| Net loans and leases to core deposits | 152.6202% | 762 |
| Total domestic deposits to total assets | 71.2467% | 7,128 |
| Equity capital to assets | 9.6021% | 4,539 |
| Core capital (leverage) ratio | 8.9950% | 4,749 |
| Tier 1 risk-based capital ratio | 9.1211% | 7,693 |
| Total risk-based capital ratio | 10.1023% | 7,914 |
| Memoranda: | ||
| Average total assets | $279,154,200 | 2,318 |
| Average earning assets | $258,173,800 | 2,304 |
| Average equity | $27,143,200 | 2,464 |
| Average total loans | $233,245,600 | 2,027 |