Home > Opportunity Bank of Montana > Performance and Condition Ratios
Opportunity Bank of Montana, 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 | 5.2720% | 1,536 |
| Cost of funding earning assets | 1.5160% | 1,906 |
| Net interest margin | 3.7560% | 1,636 |
| Noninterest income to average assets | 1.0900% | 557 |
| Noninterest expense to average assets | 3.5240% | 565 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.6276% | 3,369 |
| Return on assets (ROA) | 0.6246% | 3,356 |
| Pretax return on assets | 0.7492% | 3,340 |
| Return on Equity (ROE) | 6.0300% | 3,512 |
| Retained earnings to average equity (ytd only) | 6.0324% | 2,226 |
| Net charge-offs to loans | -0.0052% | 3,835 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 79.2606% | 965 |
| Assets per employee ($millions) | 5.2178% | 3,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0990% | 2,847 |
| Loan loss allowance to noncurrent loans | 195.2262% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.4065% | 1,366 |
| Noncurrent loans to loans | 0.5629% | 1,388 |
| Net loans and leases to total assets | 71.4200% | 1,646 |
| Net loans and leases to deposits | 89.8168% | 1,279 |
| Net loans and leases to core deposits | 99.7721% | 1,450 |
| Total domestic deposits to total assets | 79.5200% | 3,538 |
| Equity capital to assets | 10.5739% | 1,696 |
| Core capital (leverage) ratio | 9.7459% | 3,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0087% | 2,242 |
| Memoranda: | ||
| Average total assets | $2,014,968,600 | 570 |
| Average earning assets | $1,750,489,600 | 590 |
| Average equity | $208,624,200 | 522 |
| Average total loans | $1,436,543,200 | 532 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1785% | 1,497 |
| Cost of funding earning assets | 1.3682% | 1,957 |
| Net interest margin | 3.8103% | 1,571 |
| Noninterest income to average assets | 1.0900% | 560 |
| Noninterest expense to average assets | 3.4866% | 563 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.6633% | 3,399 |
| Return on assets (ROA) | 0.6569% | 3,403 |
| Pretax return on assets | 0.8314% | 3,264 |
| Return on Equity (ROE) | 6.3800% | 3,573 |
| Retained earnings to average equity (ytd only) | 6.3798% | 2,507 |
| Net charge-offs to loans | -0.0060% | 3,795 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 77.3772% | 1,062 |
| Assets per employee ($millions) | 5.2838% | 3,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0866% | 2,925 |
| Loan loss allowance to noncurrent loans | 209.3383% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 0.3762% | 1,526 |
| Noncurrent loans to loans | 0.5191% | 1,525 |
| Net loans and leases to total assets | 71.7000% | 1,614 |
| Net loans and leases to deposits | 90.9648% | 1,143 |
| Net loans and leases to core deposits | 98.5042% | 1,416 |
| Total domestic deposits to total assets | 78.8200% | 3,726 |
| Equity capital to assets | 9.9657% | 1,848 |
| Core capital (leverage) ratio | 9.6837% | 3,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7643% | 2,361 |
| Memoranda: | ||
| Average total assets | $2,000,845,500 | 571 |
| Average earning assets | $1,738,694,500 | 593 |
| Average equity | $206,021,500 | 522 |
| Average total loans | $1,421,698,750 | 539 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0250% | 1,523 |
| Cost of funding earning assets | 1.1595% | 2,109 |
| Net interest margin | 3.8655% | 1,499 |
| Noninterest income to average assets | 1.0600% | 521 |
| Noninterest expense to average assets | 3.4936% | 540 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.6801% | 3,383 |
| Return on assets (ROA) | 0.6695% | 3,409 |
| Pretax return on assets | 0.8595% | 3,264 |
| Return on Equity (ROE) | 6.4300% | 3,586 |
| Retained earnings to average equity (ytd only) | 6.4303% | 2,466 |
| Net charge-offs to loans | -0.0246% | 4,178 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 77.1040% | 1,083 |
| Assets per employee ($millions) | 4.6035% | 3,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0777% | 3,050 |
| Loan loss allowance to noncurrent loans | 156.6969% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 0.4914% | 1,102 |
| Noncurrent loans to loans | 0.6877% | 1,088 |
| Net loans and leases to total assets | 70.6800% | 1,667 |
| Net loans and leases to deposits | 89.8968% | 1,198 |
| Net loans and leases to core deposits | 95.5256% | 1,489 |
| Total domestic deposits to total assets | 78.6200% | 3,770 |
| Equity capital to assets | 10.3572% | 1,653 |
| Core capital (leverage) ratio | 9.7680% | 2,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9252% | 2,321 |
| Memoranda: | ||
| Average total assets | $1,980,894,333 | 565 |
| Average earning assets | $1,722,860,667 | 592 |
| Average equity | $206,241,000 | 510 |
| Average total loans | $1,397,714,000 | 535 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8849% | 1,441 |
| Cost of funding earning assets | 0.8632% | 2,498 |
| Net interest margin | 4.0217% | 1,226 |
| Noninterest income to average assets | 0.9500% | 617 |
| Noninterest expense to average assets | 3.3191% | 679 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.8134% | 3,156 |
| Return on assets (ROA) | 0.7884% | 3,176 |
| Pretax return on assets | 1.0473% | 2,865 |
| Return on Equity (ROE) | 7.5500% | 3,398 |
| Retained earnings to average equity (ytd only) | 7.5523% | 2,347 |
| Net charge-offs to loans | -0.0061% | 3,697 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.8971% | 1,449 |
| Assets per employee ($millions) | 4.6383% | 3,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0812% | 3,142 |
| Loan loss allowance to noncurrent loans | 210.5559% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 0.3597% | 1,431 |
| Noncurrent loans to loans | 0.5135% | 1,442 |
| Net loans and leases to total assets | 69.2900% | 1,694 |
| Net loans and leases to deposits | 84.7309% | 1,449 |
| Net loans and leases to core deposits | 89.3984% | 1,655 |
| Total domestic deposits to total assets | 81.7800% | 3,515 |
| Equity capital to assets | 10.4890% | 1,564 |
| Core capital (leverage) ratio | 9.8693% | 2,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9925% | 2,392 |
| Memoranda: | ||
| Average total assets | $1,960,882,000 | 585 |
| Average earning assets | $1,707,231,000 | 610 |
| Average equity | $204,706,500 | 524 |
| Average total loans | $1,374,639,000 | 553 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6337% | 579 |
| Cost of funding earning assets | 0.2561% | 3,274 |
| Net interest margin | 4.3776% | 360 |
| Noninterest income to average assets | 1.4900% | 350 |
| Noninterest expense to average assets | 4.0826% | 315 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 0.8720% | 3,072 |
| Return on assets (ROA) | 0.8717% | 3,008 |
| Pretax return on assets | 1.1203% | 2,707 |
| Return on Equity (ROE) | 7.9700% | 3,396 |
| Retained earnings to average equity (ytd only) | 7.9713% | 1,847 |
| Net charge-offs to loans | 0.0424% | 1,271 |
| Credit loss provision to net charge-offs | 399.4012% | 779 |
| Earnings coverage of net charge-offs (x) | 42.5529% | 1,469 |
| Efficiency ratio | 75.6470% | 1,053 |
| Assets per employee ($millions) | 4.6330% | 3,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0280% | 3,213 |
| Loan loss allowance to noncurrent loans | 320.1464% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.2253% | 2,026 |
| Noncurrent loans to loans | 0.3211% | 2,000 |
| Net loans and leases to total assets | 69.4400% | 1,692 |
| Net loans and leases to deposits | 81.8750% | 1,627 |
| Net loans and leases to core deposits | 83.3792% | 1,908 |
| Total domestic deposits to total assets | 84.8100% | 3,039 |
| Equity capital to assets | 10.3890% | 1,512 |
| Core capital (leverage) ratio | 9.8200% | 2,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0351% | 2,359 |
| Memoranda: | ||
| Average total assets | $1,723,763,400 | 631 |
| Average earning assets | $1,509,243,800 | 654 |
| Average equity | $188,501,400 | 550 |
| Average total loans | $1,181,264,600 | 590 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5061% | 497 |
| Cost of funding earning assets | 0.1594% | 3,733 |
| Net interest margin | 4.3467% | 311 |
| Noninterest income to average assets | 1.6400% | 330 |
| Noninterest expense to average assets | 4.1937% | 291 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 0.8855% | 2,940 |
| Return on assets (ROA) | 0.8854% | 2,908 |
| Pretax return on assets | 1.1229% | 2,649 |
| Return on Equity (ROE) | 7.9800% | 3,339 |
| Retained earnings to average equity (ytd only) | 7.9807% | 2,004 |
| Net charge-offs to loans | 0.0357% | 1,151 |
| Credit loss provision to net charge-offs | 544.0789% | 581 |
| Earnings coverage of net charge-offs (x) | 51.6974% | 1,266 |
| Efficiency ratio | 76.0231% | 1,079 |
| Assets per employee ($millions) | 4.7426% | 3,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0362% | 3,319 |
| Loan loss allowance to noncurrent loans | 306.3482% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 0.2365% | 2,046 |
| Noncurrent loans to loans | 0.3383% | 2,018 |
| Net loans and leases to total assets | 69.2100% | 1,548 |
| Net loans and leases to deposits | 78.7508% | 1,659 |
| Net loans and leases to core deposits | 79.7338% | 1,920 |
| Total domestic deposits to total assets | 87.8800% | 2,464 |
| Equity capital to assets | 10.1123% | 1,561 |
| Core capital (leverage) ratio | 9.8311% | 2,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0009% | 2,471 |
| Memoranda: | ||
| Average total assets | $1,669,396,500 | 652 |
| Average earning assets | $1,463,359,750 | 677 |
| Average equity | $185,208,250 | 565 |
| Average total loans | $1,136,098,750 | 601 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2990% | 527 |
| Cost of funding earning assets | 0.1287% | 3,854 |
| Net interest margin | 4.1703% | 352 |
| Noninterest income to average assets | 1.8139% | 262 |
| Noninterest expense to average assets | 4.1972% | 250 |
| Loan and lease loss provision to assets | 0.1431% | 664 |
| Net operating income to assets | 0.9192% | 2,494 |
| Return on assets (ROA) | 0.9197% | 2,460 |
| Pretax return on assets | 1.1379% | 2,276 |
| Return on Equity (ROE) | 8.0057% | 3,016 |
| Retained earnings to average equity (ytd only) | 8.0057% | 1,614 |
| Net charge-offs to loans | 0.0584% | 815 |
| Credit loss provision to net charge-offs | 364.4231% | 727 |
| Earnings coverage of net charge-offs (x) | 32.5994% | 1,358 |
| Efficiency ratio | 75.7567% | 1,312 |
| Assets per employee ($millions) | 4.1834% | 4,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0510% | 3,367 |
| Loan loss allowance to noncurrent loans | 233.2808% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 0.3232% | 1,708 |
| Noncurrent loans to loans | 0.4505% | 1,770 |
| Net loans and leases to total assets | 66.9404% | 1,593 |
| Net loans and leases to deposits | 75.7994% | 1,697 |
| Net loans and leases to core deposits | 77.0259% | 1,921 |
| Total domestic deposits to total assets | 88.3126% | 2,454 |
| Equity capital to assets | 10.7408% | 1,343 |
| Core capital (leverage) ratio | 10.5950% | 1,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3100% | 2,371 |
| Memoranda: | ||
| Average total assets | $1,588,772,333 | 670 |
| Average earning assets | $1,395,779,667 | 692 |
| Average equity | $182,519,667 | 584 |
| Average total loans | $1,069,277,667 | 626 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0411% | 713 |
| Cost of funding earning assets | 0.1217% | 3,881 |
| Net interest margin | 3.9194% | 479 |
| Noninterest income to average assets | 2.0724% | 229 |
| Noninterest expense to average assets | 4.3433% | 223 |
| Loan and lease loss provision to assets | 0.0772% | 1,064 |
| Net operating income to assets | 0.8414% | 2,519 |
| Return on assets (ROA) | 0.8414% | 2,512 |
| Pretax return on assets | 1.0993% | 2,147 |
| Return on Equity (ROE) | 7.0283% | 3,030 |
| Retained earnings to average equity (ytd only) | 7.0283% | 1,886 |
| Net charge-offs to loans | 0.0326% | 979 |
| Credit loss provision to net charge-offs | 353.1646% | 622 |
| Earnings coverage of net charge-offs (x) | 53.8354% | 898 |
| Efficiency ratio | 78.6620% | 1,259 |
| Assets per employee ($millions) | 3.9282% | 4,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2946% | 2,388 |
| Loan loss allowance to noncurrent loans | 266.7507% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.3494% | 1,708 |
| Noncurrent loans to loans | 0.4853% | 1,817 |
| Net loans and leases to total assets | 66.2612% | 1,384 |
| Net loans and leases to deposits | 76.0238% | 1,444 |
| Net loans and leases to core deposits | 77.3365% | 1,667 |
| Total domestic deposits to total assets | 87.1586% | 2,872 |
| Equity capital to assets | 11.5249% | 1,116 |
| Core capital (leverage) ratio | 10.9458% | 1,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1293% | 1,760 |
| Memoranda: | ||
| Average total assets | $1,446,075,500 | 721 |
| Average earning assets | $1,271,923,000 | 758 |
| Average equity | $173,129,500 | 628 |
| Average total loans | $969,967,000 | 684 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2351% | 937 |
| Cost of funding earning assets | 0.1425% | 4,036 |
| Net interest margin | 4.0926% | 607 |
| Noninterest income to average assets | 3.3958% | 162 |
| Noninterest expense to average assets | 5.2753% | 159 |
| Loan and lease loss provision to assets | 0.0639% | 1,790 |
| Net operating income to assets | 1.2458% | 1,755 |
| Return on assets (ROA) | 1.2467% | 1,813 |
| Pretax return on assets | 1.6509% | 1,269 |
| Return on Equity (ROE) | 9.6353% | 2,665 |
| Retained earnings to average equity (ytd only) | 6.3063% | 2,228 |
| Net charge-offs to loans | -0.0042% | 3,514 |
| Credit loss provision to net charge-offs | -2,207.6923% | 4,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6556% | 1,133 |
| Assets per employee ($millions) | 3.9309% | 4,447 |
| Cash dividends to net income (ytd only)* | 34.5505% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3035% | 2,343 |
| Loan loss allowance to noncurrent loans | 227.6452% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.3838% | 1,693 |
| Noncurrent loans to loans | 0.5726% | 1,709 |
| Net loans and leases to total assets | 66.1466% | 1,455 |
| Net loans and leases to deposits | 77.1464% | 1,480 |
| Net loans and leases to core deposits | 78.6511% | 1,711 |
| Total domestic deposits to total assets | 85.7416% | 2,997 |
| Equity capital to assets | 12.4293% | 1,084 |
| Core capital (leverage) ratio | 10.9629% | 1,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3247% | 1,731 |
| Memoranda: | ||
| Average total assets | $1,346,509,600 | 744 |
| Average earning assets | $1,182,201,800 | 786 |
| Average equity | $174,223,600 | 618 |
| Average total loans | $920,276,600 | 708 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2651% | 1,014 |
| Cost of funding earning assets | 0.1486% | 4,118 |
| Net interest margin | 4.1165% | 631 |
| Noninterest income to average assets | 3.6974% | 156 |
| Noninterest expense to average assets | 5.3753% | 149 |
| Loan and lease loss provision to assets | 0.0579% | 1,830 |
| Net operating income to assets | 1.4011% | 1,541 |
| Return on assets (ROA) | 1.4014% | 1,600 |
| Pretax return on assets | 1.8732% | 995 |
| Return on Equity (ROE) | 10.7168% | 2,472 |
| Retained earnings to average equity (ytd only) | 7.0243% | 2,410 |
| Net charge-offs to loans | -0.0035% | 3,339 |
| Credit loss provision to net charge-offs | -2,400.0000% | 4,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9481% | 1,219 |
| Assets per employee ($millions) | 3.8275% | 4,533 |
| Cash dividends to net income (ytd only)* | 34.4555% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3161% | 2,411 |
| Loan loss allowance to noncurrent loans | 197.7951% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 0.4484% | 1,684 |
| Noncurrent loans to loans | 0.6654% | 1,643 |
| Net loans and leases to total assets | 65.2993% | 1,625 |
| Net loans and leases to deposits | 76.3765% | 1,638 |
| Net loans and leases to core deposits | 77.9342% | 1,895 |
| Total domestic deposits to total assets | 85.4965% | 2,947 |
| Equity capital to assets | 12.6339% | 1,113 |
| Core capital (leverage) ratio | 11.2537% | 1,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8309% | 1,677 |
| Memoranda: | ||
| Average total assets | $1,325,424,500 | 761 |
| Average earning assets | $1,161,870,500 | 806 |
| Average equity | $173,318,250 | 630 |
| Average total loans | $910,606,250 | 733 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2582% | 1,075 |
| Cost of funding earning assets | 0.1579% | 4,140 |
| Net interest margin | 4.1003% | 693 |
| Noninterest income to average assets | 3.6748% | 153 |
| Noninterest expense to average assets | 5.4230% | 151 |
| Loan and lease loss provision to assets | 0.0494% | 2,043 |
| Net operating income to assets | 1.3453% | 1,724 |
| Return on assets (ROA) | 1.3453% | 1,802 |
| Pretax return on assets | 1.7972% | 1,242 |
| Return on Equity (ROE) | 10.1641% | 2,693 |
| Retained earnings to average equity (ytd only) | 6.9101% | 2,462 |
| Net charge-offs to loans | 0.0046% | 1,984 |
| Credit loss provision to net charge-offs | 1,528.5714% | 351 |
| Earnings coverage of net charge-offs (x) | 571.6667% | 234 |
| Efficiency ratio | 75.4496% | 1,135 |
| Assets per employee ($millions) | 3.5607% | 4,645 |
| Cash dividends to net income (ytd only)* | 32.0146% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2785% | 2,542 |
| Loan loss allowance to noncurrent loans | 170.1945% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 0.5168% | 1,615 |
| Noncurrent loans to loans | 0.7512% | 1,592 |
| Net loans and leases to total assets | 67.9092% | 1,454 |
| Net loans and leases to deposits | 79.9814% | 1,426 |
| Net loans and leases to core deposits | 81.8593% | 1,735 |
| Total domestic deposits to total assets | 84.9063% | 3,134 |
| Equity capital to assets | 12.8755% | 987 |
| Core capital (leverage) ratio | 11.4032% | 1,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1784% | 1,567 |
| Memoranda: | ||
| Average total assets | $1,300,273,000 | 774 |
| Average earning assets | $1,139,959,667 | 815 |
| Average equity | $172,095,667 | 630 |
| Average total loans | $905,153,667 | 737 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3257% | 1,006 |
| Cost of funding earning assets | 0.1723% | 4,142 |
| Net interest margin | 4.1533% | 661 |
| Noninterest income to average assets | 4.0255% | 148 |
| Noninterest expense to average assets | 5.2021% | 161 |
| Loan and lease loss provision to assets | 0.0939% | 1,425 |
| Net operating income to assets | 1.7747% | 822 |
| Return on assets (ROA) | 1.7747% | 878 |
| Pretax return on assets | 2.3698% | 544 |
| Return on Equity (ROE) | 13.2182% | 1,614 |
| Retained earnings to average equity (ytd only) | 13.2182% | 872 |
| Net charge-offs to loans | -0.0004% | 3,011 |
| Credit loss provision to net charge-offs | -29,900.0000% | 3,848 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0487% | 1,692 |
| Assets per employee ($millions) | 3.6665% | 4,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3372% | 2,265 |
| Loan loss allowance to noncurrent loans | 189.3698% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.4828% | 1,943 |
| Noncurrent loans to loans | 0.7061% | 1,828 |
| Net loans and leases to total assets | 67.4579% | 1,603 |
| Net loans and leases to deposits | 80.0706% | 1,520 |
| Net loans and leases to core deposits | 82.1892% | 1,823 |
| Total domestic deposits to total assets | 84.2481% | 3,356 |
| Equity capital to assets | 13.2856% | 841 |
| Core capital (leverage) ratio | 11.9426% | 1,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3313% | 1,213 |
| Memoranda: | ||
| Average total assets | $1,273,876,000 | 780 |
| Average earning assets | $1,116,497,000 | 817 |
| Average equity | $171,036,500 | 629 |
| Average total loans | $892,352,000 | 740 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8267% | 699 |
| Cost of funding earning assets | 0.4739% | 3,122 |
| Net interest margin | 4.3528% | 455 |
| Noninterest income to average assets | 3.9096% | 140 |
| Noninterest expense to average assets | 4.8931% | 203 |
| Loan and lease loss provision to assets | 0.2652% | 1,456 |
| Net operating income to assets | 1.9159% | 307 |
| Return on assets (ROA) | 1.9649% | 303 |
| Pretax return on assets | 2.6338% | 164 |
| Return on Equity (ROE) | 15.1534% | 617 |
| Retained earnings to average equity (ytd only) | 12.8010% | 251 |
| Net charge-offs to loans | 0.0150% | 2,819 |
| Credit loss provision to net charge-offs | 2,407.6923% | 388 |
| Earnings coverage of net charge-offs (x) | 257.5462% | 391 |
| Efficiency ratio | 61.7797% | 3,177 |
| Assets per employee ($millions) | 3.4808% | 4,658 |
| Cash dividends to net income (ytd only)* | 15.5239% | 3,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2964% | 2,429 |
| Loan loss allowance to noncurrent loans | 174.0174% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 0.5369% | 1,950 |
| Noncurrent loans to loans | 0.7450% | 1,839 |
| Net loans and leases to total assets | 70.8720% | 1,448 |
| Net loans and leases to deposits | 85.0994% | 1,336 |
| Net loans and leases to core deposits | 87.6057% | 1,735 |
| Total domestic deposits to total assets | 83.2813% | 3,337 |
| Equity capital to assets | 13.5736% | 910 |
| Core capital (leverage) ratio | 11.7215% | 1,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7082% | 1,337 |
| Memoranda: | ||
| Average total assets | $1,180,190,600 | 762 |
| Average earning assets | $1,035,850,000 | 795 |
| Average equity | $153,035,200 | 662 |
| Average total loans | $867,065,600 | 740 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8731% | 778 |
| Cost of funding earning assets | 0.5493% | 2,933 |
| Net interest margin | 4.3238% | 556 |
| Noninterest income to average assets | 3.9660% | 134 |
| Noninterest expense to average assets | 4.8572% | 203 |
| Loan and lease loss provision to assets | 0.3152% | 1,263 |
| Net operating income to assets | 1.9238% | 351 |
| Return on assets (ROA) | 2.0205% | 312 |
| Pretax return on assets | 2.7137% | 154 |
| Return on Equity (ROE) | 15.7795% | 577 |
| Retained earnings to average equity (ytd only) | 12.5583% | 366 |
| Net charge-offs to loans | 0.0079% | 2,835 |
| Credit loss provision to net charge-offs | 5,394.1176% | 210 |
| Earnings coverage of net charge-offs (x) | 497.4118% | 232 |
| Efficiency ratio | 60.6077% | 3,287 |
| Assets per employee ($millions) | 3.7326% | 4,531 |
| Cash dividends to net income (ytd only)* | 20.4139% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2697% | 2,299 |
| Loan loss allowance to noncurrent loans | 199.1540% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.4585% | 2,347 |
| Noncurrent loans to loans | 0.6376% | 2,201 |
| Net loans and leases to total assets | 70.6910% | 1,857 |
| Net loans and leases to deposits | 87.7279% | 1,519 |
| Net loans and leases to core deposits | 91.0225% | 1,883 |
| Total domestic deposits to total assets | 80.5798% | 3,756 |
| Equity capital to assets | 13.0935% | 1,139 |
| Core capital (leverage) ratio | 11.5434% | 1,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1718% | 1,457 |
| Memoranda: | ||
| Average total assets | $1,163,706,000 | 761 |
| Average earning assets | $1,022,125,000 | 793 |
| Average equity | $149,007,750 | 668 |
| Average total loans | $860,143,000 | 738 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9772% | 865 |
| Cost of funding earning assets | 0.6285% | 2,823 |
| Net interest margin | 4.3487% | 678 |
| Noninterest income to average assets | 3.5340% | 137 |
| Noninterest expense to average assets | 4.6938% | 227 |
| Loan and lease loss provision to assets | 0.3336% | 1,282 |
| Net operating income to assets | 1.7287% | 589 |
| Return on assets (ROA) | 1.8771% | 465 |
| Pretax return on assets | 2.5227% | 206 |
| Return on Equity (ROE) | 14.7811% | 739 |
| Retained earnings to average equity (ytd only) | 9.7959% | 825 |
| Net charge-offs to loans | -0.0007% | 3,736 |
| Credit loss provision to net charge-offs | -63,233.3333% | 4,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1409% | 3,396 |
| Assets per employee ($millions) | 3.8263% | 4,445 |
| Cash dividends to net income (ytd only)* | 33.7268% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1686% | 2,680 |
| Loan loss allowance to noncurrent loans | 160.5259% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 0.5362% | 2,211 |
| Noncurrent loans to loans | 0.7280% | 2,059 |
| Net loans and leases to total assets | 72.5270% | 1,620 |
| Net loans and leases to deposits | 92.6643% | 1,077 |
| Net loans and leases to core deposits | 96.4768% | 1,541 |
| Total domestic deposits to total assets | 78.2685% | 4,150 |
| Equity capital to assets | 12.6465% | 1,313 |
| Core capital (leverage) ratio | 11.1438% | 1,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6103% | 1,597 |
| Memoranda: | ||
| Average total assets | $1,137,287,667 | 765 |
| Average earning assets | $1,001,161,333 | 789 |
| Average equity | $144,428,000 | 682 |
| Average total loans | $850,203,333 | 736 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2804% | 572 |
| Cost of funding earning assets | 0.7556% | 2,635 |
| Net interest margin | 4.5249% | 479 |
| Noninterest income to average assets | 2.9115% | 160 |
| Noninterest expense to average assets | 4.4893% | 306 |
| Loan and lease loss provision to assets | 0.2450% | 1,269 |
| Net operating income to assets | 1.6209% | 596 |
| Return on assets (ROA) | 1.6209% | 658 |
| Pretax return on assets | 2.1589% | 325 |
| Return on Equity (ROE) | 12.7340% | 928 |
| Retained earnings to average equity (ytd only) | 8.7115% | 1,047 |
| Net charge-offs to loans | 0.0097% | 2,223 |
| Credit loss provision to net charge-offs | 3,350.0000% | 236 |
| Earnings coverage of net charge-offs (x) | 328.6500% | 211 |
| Efficiency ratio | 63.5293% | 3,301 |
| Assets per employee ($millions) | 3.7650% | 4,201 |
| Cash dividends to net income (ytd only)* | 31.5884% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0918% | 3,249 |
| Loan loss allowance to noncurrent loans | 158.3362% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.5109% | 2,462 |
| Noncurrent loans to loans | 0.6895% | 2,270 |
| Net loans and leases to total assets | 72.9731% | 1,783 |
| Net loans and leases to deposits | 94.2731% | 1,052 |
| Net loans and leases to core deposits | 100.9669% | 1,401 |
| Total domestic deposits to total assets | 77.4061% | 4,308 |
| Equity capital to assets | 12.9119% | 1,477 |
| Core capital (leverage) ratio | 11.8803% | 1,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4543% | 1,767 |
| Memoranda: | ||
| Average total assets | $1,093,716,500 | 762 |
| Average earning assets | $962,418,000 | 783 |
| Average equity | $139,218,000 | 695 |
| Average total loans | $826,034,000 | 727 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4097% | 655 |
| Cost of funding earning assets | 0.7299% | 3,018 |
| Net interest margin | 4.6798% | 494 |
| Noninterest income to average assets | 2.4033% | 212 |
| Noninterest expense to average assets | 4.4544% | 321 |
| Loan and lease loss provision to assets | 0.2701% | 664 |
| Net operating income to assets | 1.4029% | 1,332 |
| Return on assets (ROA) | 1.4090% | 1,395 |
| Pretax return on assets | 1.8368% | 864 |
| Return on Equity (ROE) | 11.0830% | 1,848 |
| Retained earnings to average equity (ytd only) | 4.6136% | 2,636 |
| Net charge-offs to loans | 0.0843% | 1,910 |
| Credit loss provision to net charge-offs | 418.9793% | 683 |
| Earnings coverage of net charge-offs (x) | 32.5646% | 1,500 |
| Efficiency ratio | 67.0735% | 2,611 |
| Assets per employee ($millions) | 3.5586% | 4,423 |
| Cash dividends to net income (ytd only)* | 58.3729% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0685% | 3,116 |
| Loan loss allowance to noncurrent loans | 157.7982% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 0.5269% | 2,310 |
| Noncurrent loans to loans | 0.6771% | 2,191 |
| Net loans and leases to total assets | 76.6282% | 1,306 |
| Net loans and leases to deposits | 98.4155% | 722 |
| Net loans and leases to core deposits | 107.9836% | 977 |
| Total domestic deposits to total assets | 77.8619% | 4,383 |
| Equity capital to assets | 12.5266% | 1,799 |
| Core capital (leverage) ratio | 11.0795% | 2,424 |
| Tier 1 risk-based capital ratio | 14.1419% | 3,191 |
| Total risk-based capital ratio | 15.2306% | 3,185 |
| Memoranda: | ||
| Average total assets | $972,668,800 | 804 |
| Average earning assets | $862,623,600 | 839 |
| Average equity | $123,657,400 | 735 |
| Average total loans | $743,974,000 | 768 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4474% | 645 |
| Cost of funding earning assets | 0.7378% | 3,025 |
| Net interest margin | 4.7096% | 491 |
| Noninterest income to average assets | 2.4123% | 209 |
| Noninterest expense to average assets | 4.4116% | 329 |
| Loan and lease loss provision to assets | 0.2782% | 549 |
| Net operating income to assets | 1.4740% | 1,260 |
| Return on assets (ROA) | 1.4813% | 1,298 |
| Pretax return on assets | 1.9083% | 848 |
| Return on Equity (ROE) | 11.6055% | 1,756 |
| Retained earnings to average equity (ytd only) | 6.1426% | 2,304 |
| Net charge-offs to loans | 0.0723% | 1,795 |
| Credit loss provision to net charge-offs | 505.0633% | 616 |
| Earnings coverage of net charge-offs (x) | 39.5268% | 1,383 |
| Efficiency ratio | 65.2952% | 2,814 |
| Assets per employee ($millions) | 3.5149% | 4,484 |
| Cash dividends to net income (ytd only)* | 47.0721% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0533% | 3,270 |
| Loan loss allowance to noncurrent loans | 220.9647% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 0.3756% | 3,004 |
| Noncurrent loans to loans | 0.4767% | 2,865 |
| Net loans and leases to total assets | 76.0920% | 1,463 |
| Net loans and leases to deposits | 97.5245% | 868 |
| Net loans and leases to core deposits | 105.7139% | 1,202 |
| Total domestic deposits to total assets | 78.0234% | 4,340 |
| Equity capital to assets | 12.9312% | 1,668 |
| Core capital (leverage) ratio | 11.2128% | 2,462 |
| Tier 1 risk-based capital ratio | 14.6234% | 3,016 |
| Total risk-based capital ratio | 15.6970% | 3,020 |
| Memoranda: | ||
| Average total assets | $956,059,750 | 819 |
| Average earning assets | $847,867,000 | 856 |
| Average equity | $122,030,500 | 744 |
| Average total loans | $728,755,750 | 781 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4919% | 578 |
| Cost of funding earning assets | 0.7147% | 3,085 |
| Net interest margin | 4.7773% | 426 |
| Noninterest income to average assets | 1.9153% | 283 |
| Noninterest expense to average assets | 4.2558% | 382 |
| Loan and lease loss provision to assets | 0.2776% | 529 |
| Net operating income to assets | 1.2205% | 2,069 |
| Return on assets (ROA) | 1.2316% | 2,089 |
| Pretax return on assets | 1.6321% | 1,451 |
| Return on Equity (ROE) | 9.6949% | 2,535 |
| Retained earnings to average equity (ytd only) | 4.6560% | 2,943 |
| Net charge-offs to loans | 0.0424% | 2,050 |
| Credit loss provision to net charge-offs | 861.5894% | 393 |
| Earnings coverage of net charge-offs (x) | 58.8344% | 991 |
| Efficiency ratio | 67.3627% | 2,630 |
| Assets per employee ($millions) | 3.5387% | 4,457 |
| Cash dividends to net income (ytd only)* | 51.9751% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9985% | 3,640 |
| Loan loss allowance to noncurrent loans | 206.3915% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 0.3854% | 2,958 |
| Noncurrent loans to loans | 0.4838% | 2,832 |
| Net loans and leases to total assets | 77.0046% | 1,388 |
| Net loans and leases to deposits | 102.6737% | 499 |
| Net loans and leases to core deposits | 110.3905% | 954 |
| Total domestic deposits to total assets | 74.9994% | 4,767 |
| Equity capital to assets | 12.7498% | 1,725 |
| Core capital (leverage) ratio | 11.1785% | 2,435 |
| Tier 1 risk-based capital ratio | 13.9823% | 3,328 |
| Total risk-based capital ratio | 14.9800% | 3,359 |
| Memoranda: | ||
| Average total assets | $937,311,670 | 828 |
| Average earning assets | $831,144,670 | 865 |
| Average equity | $119,073,000 | 752 |
| Average total loans | $712,180,330 | 794 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5380% | 489 |
| Cost of funding earning assets | 0.6868% | 3,116 |
| Net interest margin | 4.8512% | 369 |
| Noninterest income to average assets | 1.6185% | 340 |
| Noninterest expense to average assets | 4.2747% | 370 |
| Loan and lease loss provision to assets | 0.2664% | 524 |
| Net operating income to assets | 0.9354% | 3,108 |
| Return on assets (ROA) | 0.9222% | 3,189 |
| Pretax return on assets | 1.3654% | 2,211 |
| Return on Equity (ROE) | 7.2735% | 3,559 |
| Retained earnings to average equity (ytd only) | 2.0558% | 4,047 |
| Net charge-offs to loans | 0.0612% | 1,428 |
| Credit loss provision to net charge-offs | 580.7692% | 553 |
| Earnings coverage of net charge-offs (x) | 35.9423% | 1,222 |
| Efficiency ratio | 70.1884% | 2,308 |
| Assets per employee ($millions) | 3.5674% | 4,502 |
| Cash dividends to net income (ytd only)* | 71.7360% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9645% | 3,905 |
| Loan loss allowance to noncurrent loans | 133.5591% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 0.5843% | 2,318 |
| Noncurrent loans to loans | 0.7222% | 2,217 |
| Net loans and leases to total assets | 75.1286% | 1,622 |
| Net loans and leases to deposits | 98.3486% | 758 |
| Net loans and leases to core deposits | 105.4828% | 1,208 |
| Total domestic deposits to total assets | 76.3901% | 4,717 |
| Equity capital to assets | 12.7815% | 1,575 |
| Core capital (leverage) ratio | 11.2723% | 2,321 |
| Tier 1 risk-based capital ratio | 14.3522% | 3,171 |
| Total risk-based capital ratio | 15.3199% | 3,225 |
| Memoranda: | ||
| Average total assets | $907,008,000 | 864 |
| Average earning assets | $804,839,500 | 898 |
| Average equity | $114,993,000 | 777 |
| Average total loans | $680,173,500 | 837 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8818% | 1,338 |
| Cost of funding earning assets | 0.5154% | 3,256 |
| Net interest margin | 4.3663% | 1,010 |
| Noninterest income to average assets | 1.5078% | 404 |
| Noninterest expense to average assets | 4.1738% | 414 |
| Loan and lease loss provision to assets | 0.1228% | 1,799 |
| Net operating income to assets | 0.9313% | 3,323 |
| Return on assets (ROA) | 0.9142% | 3,375 |
| Pretax return on assets | 1.0985% | 3,273 |
| Return on Equity (ROE) | 7.2357% | 3,755 |
| Retained earnings to average equity (ytd only) | -4.0685% | 5,219 |
| Net charge-offs to loans | 0.0223% | 2,978 |
| Credit loss provision to net charge-offs | 753.8462% | 475 |
| Earnings coverage of net charge-offs (x) | 76.2538% | 889 |
| Efficiency ratio | 75.3539% | 1,446 |
| Assets per employee ($millions) | 3.4577% | 4,597 |
| Cash dividends to net income (ytd only)* | 156.2286% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0573% | 3,341 |
| Loan loss allowance to noncurrent loans | 175.1592% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.4593% | 2,728 |
| Noncurrent loans to loans | 0.6036% | 2,468 |
| Net loans and leases to total assets | 73.2088% | 2,058 |
| Net loans and leases to deposits | 98.3905% | 859 |
| Net loans and leases to core deposits | 103.7860% | 1,431 |
| Total domestic deposits to total assets | 74.4064% | 4,918 |
| Equity capital to assets | 12.5595% | 1,554 |
| Core capital (leverage) ratio | 11.2221% | 2,328 |
| Tier 1 risk-based capital ratio | 14.9671% | 2,845 |
| Total risk-based capital ratio | 16.0233% | 2,861 |
| Memoranda: | ||
| Average total assets | $798,201,800 | 951 |
| Average earning assets | $714,395,400 | 970 |
| Average equity | $100,847,000 | 845 |
| Average total loans | $584,226,600 | 923 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8671% | 1,243 |
| Cost of funding earning assets | 0.4852% | 3,291 |
| Net interest margin | 4.3819% | 937 |
| Noninterest income to average assets | 1.4475% | 449 |
| Noninterest expense to average assets | 4.1980% | 399 |
| Loan and lease loss provision to assets | 0.1220% | 1,648 |
| Net operating income to assets | 0.8569% | 3,707 |
| Return on assets (ROA) | 0.8444% | 3,763 |
| Pretax return on assets | 1.0420% | 3,598 |
| Return on Equity (ROE) | 6.6727% | 4,045 |
| Retained earnings to average equity (ytd only) | -7.2538% | 5,354 |
| Net charge-offs to loans | 0.0279% | 2,548 |
| Credit loss provision to net charge-offs | 600.0000% | 592 |
| Earnings coverage of net charge-offs (x) | 57.9986% | 1,075 |
| Efficiency ratio | 76.3314% | 1,309 |
| Assets per employee ($millions) | 3.5465% | 4,500 |
| Cash dividends to net income (ytd only)* | 208.7097% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0489% | 3,468 |
| Loan loss allowance to noncurrent loans | 370.9112% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.2614% | 3,644 |
| Noncurrent loans to loans | 0.2828% | 3,673 |
| Net loans and leases to total assets | 72.1833% | 2,302 |
| Net loans and leases to deposits | 96.3886% | 1,103 |
| Net loans and leases to core deposits | 101.6752% | 1,637 |
| Total domestic deposits to total assets | 74.8878% | 4,896 |
| Equity capital to assets | 12.4410% | 1,629 |
| Core capital (leverage) ratio | 11.4342% | 2,222 |
| Tier 1 risk-based capital ratio | 14.7591% | 2,989 |
| Total risk-based capital ratio | 15.7794% | 3,022 |
| Memoranda: | ||
| Average total assets | $786,830,750 | 963 |
| Average earning assets | $705,675,500 | 977 |
| Average equity | $99,568,000 | 848 |
| Average total loans | $574,220,250 | 936 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8665% | 1,091 |
| Cost of funding earning assets | 0.4538% | 3,328 |
| Net interest margin | 4.4127% | 828 |
| Noninterest income to average assets | 1.3284% | 548 |
| Noninterest expense to average assets | 4.2243% | 400 |
| Loan and lease loss provision to assets | 0.1362% | 1,439 |
| Net operating income to assets | 0.7670% | 3,970 |
| Return on assets (ROA) | 0.7477% | 4,042 |
| Pretax return on assets | 0.9147% | 3,922 |
| Return on Equity (ROE) | 5.8734% | 4,283 |
| Retained earnings to average equity (ytd only) | -15.2773% | 5,476 |
| Net charge-offs to loans | 0.0447% | 1,972 |
| Credit loss provision to net charge-offs | 417.4603% | 797 |
| Earnings coverage of net charge-offs (x) | 32.9365% | 1,423 |
| Efficiency ratio | 77.9732% | 1,201 |
| Assets per employee ($millions) | 3.7154% | 4,329 |
| Cash dividends to net income (ytd only)* | 360.1108% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0364% | 3,614 |
| Loan loss allowance to noncurrent loans | 370.7052% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.2601% | 3,720 |
| Noncurrent loans to loans | 0.2796% | 3,701 |
| Net loans and leases to total assets | 72.1755% | 2,249 |
| Net loans and leases to deposits | 95.7681% | 1,168 |
| Net loans and leases to core deposits | 101.2901% | 1,626 |
| Total domestic deposits to total assets | 75.3649% | 4,920 |
| Equity capital to assets | 12.5560% | 1,502 |
| Core capital (leverage) ratio | 11.2614% | 2,291 |
| Tier 1 risk-based capital ratio | 14.6470% | 3,042 |
| Total risk-based capital ratio | 15.6536% | 3,078 |
| Memoranda: | ||
| Average total assets | $772,479,670 | 979 |
| Average earning assets | $695,044,000 | 993 |
| Average equity | $98,342,000 | 857 |
| Average total loans | $563,831,000 | 944 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6882% | 1,333 |
| Cost of funding earning assets | 0.4510% | 3,195 |
| Net interest margin | 4.2372% | 1,085 |
| Noninterest income to average assets | 1.3385% | 522 |
| Noninterest expense to average assets | 4.1214% | 454 |
| Loan and lease loss provision to assets | 0.2671% | 519 |
| Net operating income to assets | 0.6337% | 4,325 |
| Return on assets (ROA) | 0.5879% | 4,464 |
| Pretax return on assets | 0.7129% | 4,405 |
| Return on Equity (ROE) | 4.5836% | 4,611 |
| Retained earnings to average equity (ytd only) | -38.5565% | 5,573 |
| Net charge-offs to loans | 0.0889% | 1,272 |
| Credit loss provision to net charge-offs | 411.4754% | 679 |
| Earnings coverage of net charge-offs (x) | 15.9590% | 1,645 |
| Efficiency ratio | 78.7291% | 1,290 |
| Assets per employee ($millions) | 3.5795% | 4,568 |
| Cash dividends to net income (ytd only)* | 941.1765% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0643% | 3,575 |
| Loan loss allowance to noncurrent loans | 352.2989% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.2941% | 3,678 |
| Noncurrent loans to loans | 0.3021% | 3,685 |
| Net loans and leases to total assets | 71.0692% | 2,320 |
| Net loans and leases to deposits | 91.0298% | 1,557 |
| Net loans and leases to core deposits | 95.6293% | 2,004 |
| Total domestic deposits to total assets | 78.0724% | 4,719 |
| Equity capital to assets | 12.5257% | 1,472 |
| Core capital (leverage) ratio | 11.1238% | 2,317 |
| Tier 1 risk-based capital ratio | 14.9376% | 2,891 |
| Total risk-based capital ratio | 15.9840% | 2,931 |
| Memoranda: | ||
| Average total assets | $751,879,500 | 1,005 |
| Average earning assets | $677,617,000 | 1,027 |
| Average equity | $96,430,000 | 881 |
| Average total loans | $549,032,500 | 967 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4809% | 1,780 |
| Cost of funding earning assets | 0.4434% | 2,842 |
| Net interest margin | 4.0375% | 1,634 |
| Noninterest income to average assets | 1.8803% | 323 |
| Noninterest expense to average assets | 4.1117% | 464 |
| Loan and lease loss provision to assets | 0.1780% | 1,218 |
| Net operating income to assets | 0.9003% | 2,704 |
| Return on assets (ROA) | 0.9041% | 2,713 |
| Pretax return on assets | 1.2529% | 2,539 |
| Return on Equity (ROE) | 7.8289% | 2,875 |
| Retained earnings to average equity (ytd only) | 5.3188% | 1,917 |
| Net charge-offs to loans | 0.0487% | 2,812 |
| Credit loss provision to net charge-offs | 495.1613% | 633 |
| Earnings coverage of net charge-offs (x) | 39.6573% | 1,268 |
| Efficiency ratio | 73.0021% | 2,062 |
| Assets per employee ($millions) | 3.4579% | 4,757 |
| Cash dividends to net income (ytd only)* | 32.0616% | 3,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1013% | 3,350 |
| Loan loss allowance to noncurrent loans | 588.5363% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.2080% | 4,097 |
| Noncurrent loans to loans | 0.1871% | 4,168 |
| Net loans and leases to total assets | 73.5587% | 1,993 |
| Net loans and leases to deposits | 99.1840% | 798 |
| Net loans and leases to core deposits | 104.4454% | 1,383 |
| Total domestic deposits to total assets | 74.1639% | 5,168 |
| Equity capital to assets | 13.1673% | 1,182 |
| Core capital (leverage) ratio | 12.1749% | 1,513 |
| Tier 1 risk-based capital ratio | 16.3015% | 2,328 |
| Total risk-based capital ratio | 17.4096% | 2,316 |
| Memoranda: | ||
| Average total assets | $689,934,400 | 1,058 |
| Average earning assets | $624,892,400 | 1,082 |
| Average equity | $79,679,400 | 1,009 |
| Average total loans | $509,582,200 | 1,008 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4196% | 1,900 |
| Cost of funding earning assets | 0.4281% | 2,897 |
| Net interest margin | 3.9915% | 1,725 |
| Noninterest income to average assets | 1.8992% | 331 |
| Noninterest expense to average assets | 4.1057% | 459 |
| Loan and lease loss provision to assets | 0.1813% | 1,101 |
| Net operating income to assets | 0.8765% | 3,145 |
| Return on assets (ROA) | 0.8746% | 3,200 |
| Pretax return on assets | 1.2249% | 2,802 |
| Return on Equity (ROE) | 7.8542% | 3,205 |
| Retained earnings to average equity (ytd only) | 4.3681% | 3,301 |
| Net charge-offs to loans | 0.0537% | 2,372 |
| Credit loss provision to net charge-offs | 457.8431% | 695 |
| Earnings coverage of net charge-offs (x) | 35.5837% | 1,407 |
| Efficiency ratio | 73.1839% | 2,014 |
| Assets per employee ($millions) | 3.6125% | 4,574 |
| Cash dividends to net income (ytd only)* | 44.3853% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0581% | 3,744 |
| Loan loss allowance to noncurrent loans | 393.9828% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.2695% | 3,991 |
| Noncurrent loans to loans | 0.2686% | 3,997 |
| Net loans and leases to total assets | 73.7635% | 1,952 |
| Net loans and leases to deposits | 97.8026% | 938 |
| Net loans and leases to core deposits | 103.4882% | 1,434 |
| Total domestic deposits to total assets | 75.4208% | 5,081 |
| Equity capital to assets | 11.6096% | 2,267 |
| Core capital (leverage) ratio | 10.5663% | 2,913 |
| Tier 1 risk-based capital ratio | 14.3187% | 3,288 |
| Total risk-based capital ratio | 15.3953% | 3,282 |
| Memoranda: | ||
| Average total assets | $686,928,000 | 1,067 |
| Average earning assets | $622,214,000 | 1,091 |
| Average equity | $76,492,000 | 1,060 |
| Average total loans | $506,452,000 | 1,010 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3131% | 2,083 |
| Cost of funding earning assets | 0.4148% | 2,933 |
| Net interest margin | 3.8983% | 1,935 |
| Noninterest income to average assets | 1.7993% | 376 |
| Noninterest expense to average assets | 4.1571% | 437 |
| Loan and lease loss provision to assets | 0.1764% | 1,088 |
| Net operating income to assets | 0.7081% | 3,809 |
| Return on assets (ROA) | 0.7052% | 3,891 |
| Pretax return on assets | 0.9925% | 3,594 |
| Return on Equity (ROE) | 6.4260% | 3,860 |
| Retained earnings to average equity (ytd only) | 2.9597% | 3,953 |
| Net charge-offs to loans | 0.0590% | 2,091 |
| Credit loss provision to net charge-offs | 407.4324% | 777 |
| Earnings coverage of net charge-offs (x) | 27.0878% | 1,551 |
| Efficiency ratio | 76.6744% | 1,624 |
| Assets per employee ($millions) | 3.5393% | 4,661 |
| Cash dividends to net income (ytd only)* | 53.9419% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9965% | 4,170 |
| Loan loss allowance to noncurrent loans | 309.1716% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.3085% | 3,890 |
| Noncurrent loans to loans | 0.3223% | 3,878 |
| Net loans and leases to total assets | 73.7030% | 1,928 |
| Net loans and leases to deposits | 100.8746% | 674 |
| Net loans and leases to core deposits | 107.8544% | 1,113 |
| Total domestic deposits to total assets | 73.0639% | 5,381 |
| Equity capital to assets | 11.3258% | 2,472 |
| Core capital (leverage) ratio | 10.3923% | 3,032 |
| Tier 1 risk-based capital ratio | 14.0591% | 3,401 |
| Total risk-based capital ratio | 15.0864% | 3,434 |
| Memoranda: | ||
| Average total assets | $683,499,000 | 1,071 |
| Average earning assets | $619,085,330 | 1,090 |
| Average equity | $75,008,000 | 1,079 |
| Average total loans | $502,006,000 | 1,019 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1850% | 2,323 |
| Cost of funding earning assets | 0.3838% | 3,160 |
| Net interest margin | 3.8012% | 2,108 |
| Noninterest income to average assets | 1.7193% | 389 |
| Noninterest expense to average assets | 4.1956% | 430 |
| Loan and lease loss provision to assets | 0.1789% | 974 |
| Net operating income to assets | 0.5937% | 4,190 |
| Return on assets (ROA) | 0.5937% | 4,237 |
| Pretax return on assets | 0.7880% | 4,155 |
| Return on Equity (ROE) | 5.5021% | 4,146 |
| Retained earnings to average equity (ytd only) | 1.0960% | 4,618 |
| Net charge-offs to loans | -0.0033% | 4,074 |
| Credit loss provision to net charge-offs | -7,525.0000% | 4,750 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8895% | 1,399 |
| Assets per employee ($millions) | 3.4067% | 4,921 |
| Cash dividends to net income (ytd only)* | 80.0801% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0205% | 4,159 |
| Loan loss allowance to noncurrent loans | 307.7623% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.3388% | 3,839 |
| Noncurrent loans to loans | 0.3316% | 3,920 |
| Net loans and leases to total assets | 72.6061% | 1,989 |
| Net loans and leases to deposits | 93.4551% | 1,169 |
| Net loans and leases to core deposits | 101.1198% | 1,436 |
| Total domestic deposits to total assets | 77.6909% | 5,011 |
| Equity capital to assets | 11.4532% | 2,212 |
| Core capital (leverage) ratio | 10.8513% | 2,540 |
| Tier 1 risk-based capital ratio | 14.3453% | 3,286 |
| Total risk-based capital ratio | 15.3771% | 3,319 |
| Memoranda: | ||
| Average total assets | $673,083,500 | 1,092 |
| Average earning assets | $609,700,000 | 1,111 |
| Average equity | $72,626,500 | 1,096 |
| Average total loans | $490,840,500 | 1,040 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0848% | 2,916 |
| Cost of funding earning assets | 0.4007% | 2,991 |
| Net interest margin | 3.6842% | 2,761 |
| Noninterest income to average assets | 2.1961% | 300 |
| Noninterest expense to average assets | 4.0434% | 567 |
| Loan and lease loss provision to assets | 0.2813% | 707 |
| Net operating income to assets | 0.8790% | 2,935 |
| Return on assets (ROA) | 0.9069% | 2,901 |
| Pretax return on assets | 1.2478% | 2,480 |
| Return on Equity (ROE) | 8.8173% | 2,509 |
| Retained earnings to average equity (ytd only) | 5.2367% | 2,178 |
| Net charge-offs to loans | 0.1334% | 1,910 |
| Credit loss provision to net charge-offs | 299.0212% | 990 |
| Earnings coverage of net charge-offs (x) | 15.8499% | 2,163 |
| Efficiency ratio | 71.5668% | 2,655 |
| Assets per employee ($millions) | 3.4624% | 4,817 |
| Cash dividends to net income (ytd only)* | 40.6091% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9847% | 4,415 |
| Loan loss allowance to noncurrent loans | 430.1172% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.2864% | 4,131 |
| Noncurrent loans to loans | 0.2289% | 4,327 |
| Net loans and leases to total assets | 71.7735% | 2,197 |
| Net loans and leases to deposits | 93.3574% | 1,263 |
| Net loans and leases to core deposits | 102.3445% | 1,426 |
| Total domestic deposits to total assets | 76.8804% | 5,129 |
| Equity capital to assets | 10.1174% | 3,586 |
| Core capital (leverage) ratio | 9.2340% | 4,430 |
| Tier 1 risk-based capital ratio | 13.0256% | 4,056 |
| Total risk-based capital ratio | 14.0466% | 4,096 |
| Memoranda: | ||
| Average total assets | $651,700,400 | 1,093 |
| Average earning assets | $590,499,200 | 1,101 |
| Average equity | $67,027,200 | 1,166 |
| Average total loans | $459,426,400 | 1,059 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0117% | 3,186 |
| Cost of funding earning assets | 0.4029% | 2,991 |
| Net interest margin | 3.6087% | 3,039 |
| Noninterest income to average assets | 2.1042% | 329 |
| Noninterest expense to average assets | 3.9474% | 631 |
| Loan and lease loss provision to assets | 0.2843% | 613 |
| Net operating income to assets | 0.8486% | 3,160 |
| Return on assets (ROA) | 0.8781% | 3,144 |
| Pretax return on assets | 1.1837% | 2,902 |
| Return on Equity (ROE) | 8.5023% | 2,762 |
| Retained earnings to average equity (ytd only) | 5.3127% | 2,614 |
| Net charge-offs to loans | 0.0827% | 2,144 |
| Credit loss provision to net charge-offs | 491.4591% | 719 |
| Earnings coverage of net charge-offs (x) | 24.6831% | 1,664 |
| Efficiency ratio | 72.1311% | 2,563 |
| Assets per employee ($millions) | 3.6173% | 4,615 |
| Cash dividends to net income (ytd only)* | 37.5147% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9676% | 4,577 |
| Loan loss allowance to noncurrent loans | 270.0348% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.3338% | 4,069 |
| Noncurrent loans to loans | 0.3583% | 3,973 |
| Net loans and leases to total assets | 71.1164% | 2,330 |
| Net loans and leases to deposits | 92.3195% | 1,457 |
| Net loans and leases to core deposits | 101.6320% | 1,509 |
| Total domestic deposits to total assets | 77.0329% | 5,082 |
| Equity capital to assets | 10.3103% | 3,790 |
| Core capital (leverage) ratio | 9.1796% | 4,618 |
| Tier 1 risk-based capital ratio | 13.0120% | 4,153 |
| Total risk-based capital ratio | 14.0210% | 4,207 |
| Memoranda: | ||
| Average total assets | $647,565,000 | 1,101 |
| Average earning assets | $587,007,000 | 1,108 |
| Average equity | $66,881,750 | 1,179 |
| Average total loans | $453,185,250 | 1,073 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9301% | 3,498 |
| Cost of funding earning assets | 0.4072% | 2,963 |
| Net interest margin | 3.5229% | 3,405 |
| Noninterest income to average assets | 1.8811% | 375 |
| Noninterest expense to average assets | 3.8910% | 683 |
| Loan and lease loss provision to assets | 0.2839% | 649 |
| Net operating income to assets | 0.6978% | 3,800 |
| Return on assets (ROA) | 0.7180% | 3,865 |
| Pretax return on assets | 0.9267% | 3,849 |
| Return on Equity (ROE) | 6.9480% | 3,576 |
| Retained earnings to average equity (ytd only) | 3.9258% | 3,400 |
| Net charge-offs to loans | 0.0896% | 1,947 |
| Credit loss provision to net charge-offs | 456.7839% | 705 |
| Earnings coverage of net charge-offs (x) | 19.0553% | 1,796 |
| Efficiency ratio | 75.3354% | 2,173 |
| Assets per employee ($millions) | 3.5781% | 4,633 |
| Cash dividends to net income (ytd only)* | 43.4972% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9161% | 4,901 |
| Loan loss allowance to noncurrent loans | 200.0939% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 0.4063% | 3,868 |
| Noncurrent loans to loans | 0.4578% | 3,727 |
| Net loans and leases to total assets | 69.9863% | 2,484 |
| Net loans and leases to deposits | 90.5327% | 1,692 |
| Net loans and leases to core deposits | 97.0686% | 1,886 |
| Total domestic deposits to total assets | 77.3050% | 5,113 |
| Equity capital to assets | 10.3463% | 3,803 |
| Core capital (leverage) ratio | 9.1658% | 4,640 |
| Tier 1 risk-based capital ratio | 12.9181% | 4,248 |
| Total risk-based capital ratio | 13.8589% | 4,349 |
| Memoranda: | ||
| Average total assets | $640,356,000 | 1,109 |
| Average earning assets | $580,594,330 | 1,127 |
| Average equity | $66,177,000 | 1,188 |
| Average total loans | $444,062,000 | 1,097 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1026% | 2,833 |
| Cost of funding earning assets | 0.4126% | 2,925 |
| Net interest margin | 3.6900% | 2,711 |
| Noninterest income to average assets | 1.6580% | 437 |
| Noninterest expense to average assets | 3.9155% | 674 |
| Loan and lease loss provision to assets | 0.2851% | 577 |
| Net operating income to assets | 0.6393% | 4,027 |
| Return on assets (ROA) | 0.6393% | 4,145 |
| Pretax return on assets | 0.8008% | 4,192 |
| Return on Equity (ROE) | 6.1802% | 3,890 |
| Retained earnings to average equity (ytd only) | 3.1177% | 3,961 |
| Net charge-offs to loans | 0.0554% | 1,964 |
| Credit loss provision to net charge-offs | 750.0000% | 450 |
| Earnings coverage of net charge-offs (x) | 28.5667% | 1,210 |
| Efficiency ratio | 77.1345% | 2,020 |
| Assets per employee ($millions) | 3.5423% | 4,752 |
| Cash dividends to net income (ytd only)* | 49.5540% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8931% | 5,077 |
| Loan loss allowance to noncurrent loans | 172.0524% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.4525% | 3,781 |
| Noncurrent loans to loans | 0.5191% | 3,628 |
| Net loans and leases to total assets | 68.5715% | 2,564 |
| Net loans and leases to deposits | 88.4521% | 1,777 |
| Net loans and leases to core deposits | 93.0104% | 2,087 |
| Total domestic deposits to total assets | 77.5239% | 5,213 |
| Equity capital to assets | 10.3328% | 3,704 |
| Core capital (leverage) ratio | 9.2928% | 4,499 |
| Tier 1 risk-based capital ratio | 12.8456% | 4,359 |
| Total risk-based capital ratio | 13.7236% | 4,507 |
| Memoranda: | ||
| Average total assets | $631,344,500 | 1,122 |
| Average earning assets | $572,032,500 | 1,137 |
| Average equity | $65,305,000 | 1,196 |
| Average total loans | $433,575,500 | 1,121 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1492% | 2,740 |
| Cost of funding earning assets | 0.4073% | 3,078 |
| Net interest margin | 3.7419% | 2,596 |
| Noninterest income to average assets | 1.7543% | 436 |
| Noninterest expense to average assets | 4.3016% | 488 |
| Loan and lease loss provision to assets | 0.2232% | 919 |
| Net operating income to assets | 0.5047% | 4,671 |
| Return on assets (ROA) | 0.5369% | 4,641 |
| Pretax return on assets | 0.6289% | 4,751 |
| Return on Equity (ROE) | 5.2114% | 4,401 |
| Retained earnings to average equity (ytd only) | 3.1495% | 3,811 |
| Net charge-offs to loans | 0.0535% | 3,134 |
| Credit loss provision to net charge-offs | 641.8719% | 528 |
| Earnings coverage of net charge-offs (x) | 23.4138% | 1,730 |
| Efficiency ratio | 82.4638% | 1,346 |
| Assets per employee ($millions) | 3.6131% | 4,624 |
| Cash dividends to net income (ytd only)* | 39.5660% | 2,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8334% | 5,319 |
| Loan loss allowance to noncurrent loans | 141.9432% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 0.4953% | 3,656 |
| Noncurrent loans to loans | 0.5871% | 3,408 |
| Net loans and leases to total assets | 67.5822% | 2,775 |
| Net loans and leases to deposits | 87.3840% | 1,947 |
| Net loans and leases to core deposits | 91.8411% | 2,239 |
| Total domestic deposits to total assets | 77.3393% | 5,266 |
| Equity capital to assets | 10.3550% | 3,564 |
| Core capital (leverage) ratio | 9.3612% | 4,382 |
| Tier 1 risk-based capital ratio | 13.2707% | 4,122 |
| Total risk-based capital ratio | 14.0913% | 4,324 |
| Memoranda: | ||
| Average total assets | $583,754,800 | 1,170 |
| Average earning assets | $524,419,600 | 1,205 |
| Average equity | $60,137,400 | 1,260 |
| Average total loans | $379,485,800 | 1,216 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0809% | 3,019 |
| Cost of funding earning assets | 0.4128% | 3,087 |
| Net interest margin | 3.6681% | 2,899 |
| Noninterest income to average assets | 1.7969% | 415 |
| Noninterest expense to average assets | 4.3301% | 471 |
| Loan and lease loss provision to assets | 0.2232% | 834 |
| Net operating income to assets | 0.4509% | 4,967 |
| Return on assets (ROA) | 0.4946% | 4,901 |
| Pretax return on assets | 0.5841% | 5,016 |
| Return on Equity (ROE) | 4.8075% | 4,714 |
| Retained earnings to average equity (ytd only) | 2.8524% | 4,409 |
| Net charge-offs to loans | 0.0652% | 2,645 |
| Credit loss provision to net charge-offs | 533.3333% | 615 |
| Earnings coverage of net charge-offs (x) | 18.0614% | 2,022 |
| Efficiency ratio | 83.9444% | 1,183 |
| Assets per employee ($millions) | 3.5628% | 4,686 |
| Cash dividends to net income (ytd only)* | 40.6674% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7953% | 5,526 |
| Loan loss allowance to noncurrent loans | 223.8392% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.3404% | 4,413 |
| Noncurrent loans to loans | 0.3553% | 4,339 |
| Net loans and leases to total assets | 66.5241% | 2,931 |
| Net loans and leases to deposits | 83.7385% | 2,437 |
| Net loans and leases to core deposits | 87.8406% | 2,676 |
| Total domestic deposits to total assets | 79.4427% | 4,877 |
| Equity capital to assets | 10.5216% | 3,581 |
| Core capital (leverage) ratio | 9.7420% | 3,977 |
| Tier 1 risk-based capital ratio | 13.3601% | 4,215 |
| Total risk-based capital ratio | 14.1183% | 4,429 |
| Memoranda: | ||
| Average total assets | $573,426,000 | 1,194 |
| Average earning assets | $514,182,000 | 1,227 |
| Average equity | $58,990,250 | 1,287 |
| Average total loans | $367,860,750 | 1,242 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8525% | 3,857 |
| Cost of funding earning assets | 0.3835% | 3,440 |
| Net interest margin | 3.4690% | 3,623 |
| Noninterest income to average assets | 1.9556% | 381 |
| Noninterest expense to average assets | 4.3069% | 489 |
| Loan and lease loss provision to assets | 0.2310% | 798 |
| Net operating income to assets | 0.4254% | 5,061 |
| Return on assets (ROA) | 0.4898% | 4,917 |
| Pretax return on assets | 0.5989% | 4,976 |
| Return on Equity (ROE) | 4.8004% | 4,701 |
| Retained earnings to average equity (ytd only) | 3.4070% | 3,874 |
| Net charge-offs to loans | 0.0845% | 2,199 |
| Credit loss provision to net charge-offs | 433.3333% | 697 |
| Earnings coverage of net charge-offs (x) | 14.0933% | 2,085 |
| Efficiency ratio | 83.7327% | 1,294 |
| Assets per employee ($millions) | 3.3785% | 5,027 |
| Cash dividends to net income (ytd only)* | 29.0276% | 2,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7855% | 5,635 |
| Loan loss allowance to noncurrent loans | 546.2963% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.2006% | 5,071 |
| Noncurrent loans to loans | 0.1438% | 5,173 |
| Net loans and leases to total assets | 64.4949% | 3,196 |
| Net loans and leases to deposits | 79.8366% | 2,810 |
| Net loans and leases to core deposits | 84.7185% | 2,908 |
| Total domestic deposits to total assets | 80.7836% | 4,674 |
| Equity capital to assets | 10.8164% | 3,092 |
| Core capital (leverage) ratio | 9.9769% | 3,636 |
| Tier 1 risk-based capital ratio | 14.1982% | 3,816 |
| Total risk-based capital ratio | 14.9386% | 4,039 |
| Memoranda: | ||
| Average total assets | $562,678,330 | 1,225 |
| Average earning assets | $503,255,670 | 1,254 |
| Average equity | $57,411,670 | 1,324 |
| Average total loans | $355,099,000 | 1,282 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7891% | 4,056 |
| Cost of funding earning assets | 0.3869% | 3,446 |
| Net interest margin | 3.4022% | 3,833 |
| Noninterest income to average assets | 1.7862% | 420 |
| Noninterest expense to average assets | 4.3404% | 480 |
| Loan and lease loss provision to assets | 0.2320% | 746 |
| Net operating income to assets | 0.2155% | 5,644 |
| Return on assets (ROA) | 0.3221% | 5,443 |
| Pretax return on assets | 0.3804% | 5,466 |
| Return on Equity (ROE) | 3.2584% | 5,277 |
| Retained earnings to average equity (ytd only) | 1.8005% | 4,748 |
| Net charge-offs to loans | 0.1705% | 1,256 |
| Credit loss provision to net charge-offs | 219.0476% | 994 |
| Earnings coverage of net charge-offs (x) | 4.5986% | 2,470 |
| Efficiency ratio | 88.4179% | 986 |
| Assets per employee ($millions) | 3.1892% | 5,427 |
| Cash dividends to net income (ytd only)* | 44.7427% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7427% | 5,826 |
| Loan loss allowance to noncurrent loans | 1,483.0508% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.1434% | 5,383 |
| Noncurrent loans to loans | 0.0501% | 5,579 |
| Net loans and leases to total assets | 63.2173% | 3,208 |
| Net loans and leases to deposits | 77.3591% | 2,894 |
| Net loans and leases to core deposits | 80.8546% | 3,070 |
| Total domestic deposits to total assets | 81.7193% | 4,597 |
| Equity capital to assets | 9.9807% | 4,172 |
| Core capital (leverage) ratio | 8.7389% | 5,279 |
| Tier 1 risk-based capital ratio | 12.8570% | 4,688 |
| Total risk-based capital ratio | 13.5674% | 4,945 |
| Memoranda: | ||
| Average total assets | $555,154,500 | 1,242 |
| Average earning assets | $496,263,000 | 1,278 |
| Average equity | $54,873,000 | 1,383 |
| Average total loans | $344,871,500 | 1,313 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8600% | 4,282 |
| Cost of funding earning assets | 0.4107% | 3,580 |
| Net interest margin | 3.4493% | 3,986 |
| Noninterest income to average assets | 1.5710% | 509 |
| Noninterest expense to average assets | 4.1467% | 641 |
| Loan and lease loss provision to assets | 0.1524% | 1,725 |
| Net operating income to assets | 0.4762% | 4,900 |
| Return on assets (ROA) | 0.5834% | 4,531 |
| Pretax return on assets | 0.4539% | 5,376 |
| Return on Equity (ROE) | 6.2008% | 4,053 |
| Retained earnings to average equity (ytd only) | 5.5935% | 2,196 |
| Net charge-offs to loans | 0.1618% | 2,414 |
| Credit loss provision to net charge-offs | 168.6071% | 1,452 |
| Earnings coverage of net charge-offs (x) | 5.5218% | 3,400 |
| Efficiency ratio | 88.8390% | 924 |
| Assets per employee ($millions) | 3.2478% | 5,356 |
| Cash dividends to net income (ytd only)* | 9.7938% | 4,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7285% | 5,931 |
| Loan loss allowance to noncurrent loans | 254.6778% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.2847% | 4,896 |
| Noncurrent loans to loans | 0.2860% | 4,825 |
| Net loans and leases to total assets | 60.1133% | 3,778 |
| Net loans and leases to deposits | 75.6089% | 3,243 |
| Net loans and leases to core deposits | 79.2729% | 3,378 |
| Total domestic deposits to total assets | 79.5056% | 5,141 |
| Equity capital to assets | 9.7879% | 4,369 |
| Core capital (leverage) ratio | 8.6217% | 5,422 |
| Tier 1 risk-based capital ratio | 12.9117% | 4,786 |
| Total risk-based capital ratio | 13.5913% | 5,046 |
| Memoranda: | ||
| Average total assets | $532,085,600 | 1,262 |
| Average earning assets | $474,321,800 | 1,289 |
| Average equity | $50,058,000 | 1,441 |
| Average total loans | $297,312,400 | 1,439 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8101% | 4,505 |
| Cost of funding earning assets | 0.4128% | 3,651 |
| Net interest margin | 3.3972% | 4,252 |
| Noninterest income to average assets | 1.5781% | 510 |
| Noninterest expense to average assets | 4.1286% | 661 |
| Loan and lease loss provision to assets | 0.1295% | 1,938 |
| Net operating income to assets | 0.3303% | 5,493 |
| Return on assets (ROA) | 0.4292% | 5,222 |
| Pretax return on assets | 0.4586% | 5,439 |
| Return on Equity (ROE) | 4.6111% | 4,898 |
| Retained earnings to average equity (ytd only) | 3.7836% | 3,966 |
| Net charge-offs to loans | 0.1535% | 2,261 |
| Credit loss provision to net charge-offs | 154.3807% | 1,541 |
| Earnings coverage of net charge-offs (x) | 5.7583% | 3,203 |
| Efficiency ratio | 88.9518% | 927 |
| Assets per employee ($millions) | 3.2467% | 5,337 |
| Cash dividends to net income (ytd only)* | 17.9456% | 3,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7130% | 6,075 |
| Loan loss allowance to noncurrent loans | 473.2510% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.2014% | 5,417 |
| Noncurrent loans to loans | 0.1507% | 5,457 |
| Net loans and leases to total assets | 58.3692% | 4,022 |
| Net loans and leases to deposits | 72.5488% | 3,621 |
| Net loans and leases to core deposits | 75.9613% | 3,744 |
| Total domestic deposits to total assets | 80.4551% | 4,977 |
| Equity capital to assets | 9.4625% | 4,841 |
| Core capital (leverage) ratio | 8.3782% | 5,779 |
| Tier 1 risk-based capital ratio | 13.1421% | 4,769 |
| Total risk-based capital ratio | 13.8075% | 5,070 |
| Memoranda: | ||
| Average total assets | $526,262,000 | 1,283 |
| Average earning assets | $469,898,250 | 1,313 |
| Average equity | $48,982,500 | 1,472 |
| Average total loans | $287,563,750 | 1,496 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7928% | 4,554 |
| Cost of funding earning assets | 0.4165% | 3,696 |
| Net interest margin | 3.3763% | 4,279 |
| Noninterest income to average assets | 1.5151% | 535 |
| Noninterest expense to average assets | 4.1759% | 620 |
| Loan and lease loss provision to assets | 0.1141% | 2,130 |
| Net operating income to assets | 0.2149% | 5,789 |
| Return on assets (ROA) | 0.2953% | 5,649 |
| Pretax return on assets | 0.3142% | 5,759 |
| Return on Equity (ROE) | 3.1914% | 5,462 |
| Retained earnings to average equity (ytd only) | 1.9249% | 4,918 |
| Net charge-offs to loans | 0.2109% | 1,762 |
| Credit loss provision to net charge-offs | 101.7182% | 1,953 |
| Earnings coverage of net charge-offs (x) | 3.0550% | 3,398 |
| Efficiency ratio | 92.4153% | 737 |
| Assets per employee ($millions) | 3.0614% | 5,667 |
| Cash dividends to net income (ytd only)* | 39.6867% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7244% | 6,136 |
| Loan loss allowance to noncurrent loans | 407.0881% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.1840% | 5,582 |
| Noncurrent loans to loans | 0.1779% | 5,478 |
| Net loans and leases to total assets | 54.6738% | 4,451 |
| Net loans and leases to deposits | 68.0859% | 4,038 |
| Net loans and leases to core deposits | 71.5028% | 4,100 |
| Total domestic deposits to total assets | 80.3013% | 5,177 |
| Equity capital to assets | 9.3873% | 4,856 |
| Core capital (leverage) ratio | 8.4338% | 5,712 |
| Tier 1 risk-based capital ratio | 13.6357% | 4,497 |
| Total risk-based capital ratio | 14.2875% | 4,818 |
| Memoranda: | ||
| Average total assets | $518,784,330 | 1,293 |
| Average earning assets | $461,509,000 | 1,331 |
| Average equity | $48,003,330 | 1,492 |
| Average total loans | $275,895,330 | 1,554 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7754% | 4,580 |
| Cost of funding earning assets | 0.4235% | 3,720 |
| Net interest margin | 3.3519% | 4,329 |
| Noninterest income to average assets | 1.4028% | 589 |
| Noninterest expense to average assets | 4.2787% | 558 |
| Loan and lease loss provision to assets | 0.1000% | 2,254 |
| Net operating income to assets | -0.0010% | 6,217 |
| Return on assets (ROA) | 0.1422% | 5,977 |
| Pretax return on assets | 0.1516% | 6,003 |
| Return on Equity (ROE) | 1.5488% | 5,912 |
| Retained earnings to average equity (ytd only) | -1.0382% | 5,730 |
| Net charge-offs to loans | 0.1093% | 2,086 |
| Credit loss provision to net charge-offs | 175.3425% | 1,138 |
| Earnings coverage of net charge-offs (x) | 1.7397% | 3,025 |
| Efficiency ratio | 97.7330% | 556 |
| Assets per employee ($millions) | 2.7598% | 6,146 |
| Cash dividends to net income (ytd only)* | 167.0330% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8050% | 6,093 |
| Loan loss allowance to noncurrent loans | 405.7836% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.1936% | 5,641 |
| Noncurrent loans to loans | 0.1984% | 5,495 |
| Net loans and leases to total assets | 52.2079% | 4,648 |
| Net loans and leases to deposits | 60.9638% | 4,665 |
| Net loans and leases to core deposits | 64.0485% | 4,688 |
| Total domestic deposits to total assets | 85.6374% | 3,539 |
| Equity capital to assets | 9.3235% | 4,732 |
| Core capital (leverage) ratio | 8.5622% | 5,567 |
| Tier 1 risk-based capital ratio | 14.2399% | 4,168 |
| Total risk-based capital ratio | 14.9465% | 4,497 |
| Memoranda: | ||
| Average total assets | $511,837,000 | 1,321 |
| Average earning assets | $454,309,000 | 1,362 |
| Average equity | $47,003,000 | 1,518 |
| Average total loans | $267,162,500 | 1,595 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6130% | 5,371 |
| Cost of funding earning assets | 0.4514% | 4,095 |
| Net interest margin | 3.1617% | 5,122 |
| Noninterest income to average assets | 1.9595% | 401 |
| Noninterest expense to average assets | 4.4131% | 566 |
| Loan and lease loss provision to assets | 0.1123% | 2,937 |
| Net operating income to assets | 0.2575% | 5,666 |
| Return on assets (ROA) | 0.5858% | 4,441 |
| Pretax return on assets | 0.6083% | 4,852 |
| Return on Equity (ROE) | 6.0987% | 4,034 |
| Retained earnings to average equity (ytd only) | 4.6044% | 2,878 |
| Net charge-offs to loans | 0.1129% | 3,695 |
| Credit loss provision to net charge-offs | 207.6642% | 1,110 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,932 |
| Efficiency ratio | 92.0976% | 873 |
| Assets per employee ($millions) | 2.7438% | 6,174 |
| Cash dividends to net income (ytd only)* | 24.5029% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8026% | 6,171 |
| Loan loss allowance to noncurrent loans | 272.8443% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.2344% | 5,577 |
| Noncurrent loans to loans | 0.2941% | 5,300 |
| Net loans and leases to total assets | 51.3441% | 4,935 |
| Net loans and leases to deposits | 60.4949% | 4,897 |
| Net loans and leases to core deposits | 63.5840% | 4,908 |
| Total domestic deposits to total assets | 84.8734% | 3,814 |
| Equity capital to assets | 9.0421% | 4,980 |
| Core capital (leverage) ratio | 8.5765% | 5,572 |
| Tier 1 risk-based capital ratio | 14.5030% | 3,953 |
| Total risk-based capital ratio | 15.2033% | 4,265 |
| Memoranda: | ||
| Average total assets | $506,509,400 | 1,313 |
| Average earning assets | $453,748,000 | 1,340 |
| Average equity | $48,649,600 | 1,452 |
| Average total loans | $242,791,800 | 1,706 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5553% | 5,568 |
| Cost of funding earning assets | 0.4556% | 4,210 |
| Net interest margin | 3.0997% | 5,318 |
| Noninterest income to average assets | 2.1104% | 384 |
| Noninterest expense to average assets | 4.4932% | 521 |
| Loan and lease loss provision to assets | 0.1094% | 2,940 |
| Net operating income to assets | 0.2827% | 5,672 |
| Return on assets (ROA) | 0.6219% | 4,377 |
| Pretax return on assets | 0.6419% | 4,877 |
| Return on Equity (ROE) | 6.3803% | 3,988 |
| Retained earnings to average equity (ytd only) | 5.4252% | 2,781 |
| Net charge-offs to loans | 0.1348% | 3,194 |
| Credit loss provision to net charge-offs | 172.9167% | 1,379 |
| Earnings coverage of net charge-offs (x) | 6.3459% | 2,995 |
| Efficiency ratio | 91.7942% | 864 |
| Assets per employee ($millions) | 2.7296% | 6,236 |
| Cash dividends to net income (ytd only)* | 14.9702% | 3,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7811% | 6,318 |
| Loan loss allowance to noncurrent loans | 281.2940% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.2377% | 5,732 |
| Noncurrent loans to loans | 0.2777% | 5,538 |
| Net loans and leases to total assets | 50.0417% | 5,127 |
| Net loans and leases to deposits | 59.1994% | 5,071 |
| Net loans and leases to core deposits | 61.6775% | 5,151 |
| Total domestic deposits to total assets | 84.5307% | 3,959 |
| Equity capital to assets | 9.2109% | 4,920 |
| Core capital (leverage) ratio | 8.6168% | 5,636 |
| Tier 1 risk-based capital ratio | 14.9144% | 3,807 |
| Total risk-based capital ratio | 15.5959% | 4,133 |
| Memoranda: | ||
| Average total assets | $505,550,000 | 1,325 |
| Average earning assets | $454,141,750 | 1,345 |
| Average equity | $49,275,500 | 1,445 |
| Average total loans | $237,451,500 | 1,746 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5157% | 5,661 |
| Cost of funding earning assets | 0.4604% | 4,303 |
| Net interest margin | 3.0553% | 5,413 |
| Noninterest income to average assets | 2.1900% | 395 |
| Noninterest expense to average assets | 4.5453% | 501 |
| Loan and lease loss provision to assets | 0.1018% | 3,094 |
| Net operating income to assets | 0.2908% | 5,628 |
| Return on assets (ROA) | 0.6386% | 4,261 |
| Pretax return on assets | 0.6529% | 4,831 |
| Return on Equity (ROE) | 6.4335% | 3,913 |
| Retained earnings to average equity (ytd only) | 6.4335% | 2,183 |
| Net charge-offs to loans | 0.0709% | 3,699 |
| Credit loss provision to net charge-offs | 313.4146% | 822 |
| Earnings coverage of net charge-offs (x) | 12.3049% | 1,988 |
| Efficiency ratio | 91.9164% | 898 |
| Assets per employee ($millions) | 2.6125% | 6,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8422% | 6,274 |
| Loan loss allowance to noncurrent loans | 291.1208% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.2453% | 5,751 |
| Noncurrent loans to loans | 0.2893% | 5,577 |
| Net loans and leases to total assets | 46.7041% | 5,454 |
| Net loans and leases to deposits | 56.2968% | 5,301 |
| Net loans and leases to core deposits | 58.5842% | 5,372 |
| Total domestic deposits to total assets | 82.9605% | 4,709 |
| Equity capital to assets | 9.4818% | 4,608 |
| Core capital (leverage) ratio | 8.6364% | 5,512 |
| Tier 1 risk-based capital ratio | 15.3556% | 3,559 |
| Total risk-based capital ratio | 16.0643% | 3,866 |
| Memoranda: | ||
| Average total assets | $504,833,000 | 1,324 |
| Average earning assets | $455,214,670 | 1,336 |
| Average equity | $50,112,670 | 1,428 |
| Average total loans | $231,248,000 | 1,782 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5640% | 5,546 |
| Cost of funding earning assets | 0.4488% | 4,607 |
| Net interest margin | 3.1152% | 5,208 |
| Noninterest income to average assets | 2.0976% | 406 |
| Noninterest expense to average assets | 4.3932% | 584 |
| Loan and lease loss provision to assets | 0.0919% | 3,126 |
| Net operating income to assets | 0.4082% | 5,096 |
| Return on assets (ROA) | 0.7174% | 3,744 |
| Pretax return on assets | 0.7578% | 4,337 |
| Return on Equity (ROE) | 7.0692% | 3,457 |
| Retained earnings to average equity (ytd only) | 7.0692% | 2,122 |
| Net charge-offs to loans | 0.0719% | 3,123 |
| Credit loss provision to net charge-offs | 282.9268% | 839 |
| Earnings coverage of net charge-offs (x) | 16.1463% | 1,374 |
| Efficiency ratio | 89.3398% | 1,204 |
| Assets per employee ($millions) | 2.7741% | 6,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8431% | 6,380 |
| Loan loss allowance to noncurrent loans | 303.0303% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.3364% | 5,580 |
| Noncurrent loans to loans | 0.2782% | 5,703 |
| Net loans and leases to total assets | 44.0157% | 5,661 |
| Net loans and leases to deposits | 52.8155% | 5,541 |
| Net loans and leases to core deposits | 54.7340% | 5,624 |
| Total domestic deposits to total assets | 83.3388% | 4,740 |
| Equity capital to assets | 10.0792% | 4,043 |
| Core capital (leverage) ratio | 8.5384% | 5,532 |
| Tier 1 risk-based capital ratio | 15.8728% | 3,341 |
| Total risk-based capital ratio | 16.5808% | 3,591 |
| Memoranda: | ||
| Average total assets | $505,146,500 | 1,336 |
| Average earning assets | $457,238,000 | 1,341 |
| Average equity | $51,265,000 | 1,415 |
| Average total loans | $228,129,500 | 1,814 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1739% | 4,679 |
| Cost of funding earning assets | 0.7928% | 2,724 |
| Net interest margin | 3.3810% | 4,958 |
| Noninterest income to average assets | 1.2377% | 1,021 |
| Noninterest expense to average assets | 3.1902% | 2,649 |
| Loan and lease loss provision to assets | 0.2671% | 2,507 |
| Net operating income to assets | 0.6718% | 3,871 |
| Return on assets (ROA) | 0.7452% | 3,775 |
| Pretax return on assets | 0.8964% | 3,934 |
| Return on Equity (ROE) | 5.7803% | 4,267 |
| Retained earnings to average equity (ytd only) | 2.3831% | 4,554 |
| Net charge-offs to loans | 0.3141% | 3,072 |
| Credit loss provision to net charge-offs | 152.8455% | 1,775 |
| Earnings coverage of net charge-offs (x) | 6.1512% | 2,865 |
| Efficiency ratio | 74.7934% | 2,932 |
| Assets per employee ($millions) | 3.0649% | 5,913 |
| Cash dividends to net income (ytd only)* | 58.7719% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7904% | 6,505 |
| Loan loss allowance to noncurrent loans | 157.4633% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 0.4642% | 5,314 |
| Noncurrent loans to loans | 0.5019% | 5,281 |
| Net loans and leases to total assets | 45.5767% | 5,660 |
| Net loans and leases to deposits | 54.9761% | 5,558 |
| Net loans and leases to core deposits | 57.0995% | 5,624 |
| Total domestic deposits to total assets | 82.9027% | 4,760 |
| Equity capital to assets | 10.2185% | 3,866 |
| Core capital (leverage) ratio | 8.4665% | 5,666 |
| Tier 1 risk-based capital ratio | 15.2455% | 3,584 |
| Total risk-based capital ratio | 15.9139% | 3,885 |
| Memoranda: | ||
| Average total assets | $351,862,400 | 1,837 |
| Average earning assets | $315,079,800 | 1,881 |
| Average equity | $45,361,200 | 1,533 |
| Average total loans | $195,820,000 | 2,039 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6139% | 3,152 |
| Cost of funding earning assets | 0.9204% | 2,043 |
| Net interest margin | 3.6935% | 3,827 |
| Noninterest income to average assets | 1.2447% | 964 |
| Noninterest expense to average assets | 3.2046% | 2,550 |
| Loan and lease loss provision to assets | 0.3196% | 2,067 |
| Net operating income to assets | 0.7761% | 3,566 |
| Return on assets (ROA) | 0.8764% | 3,343 |
| Pretax return on assets | 1.1480% | 3,168 |
| Return on Equity (ROE) | 6.2772% | 4,185 |
| Retained earnings to average equity (ytd only) | 1.5929% | 5,540 |
| Net charge-offs to loans | 0.3229% | 2,833 |
| Credit loss provision to net charge-offs | 166.2252% | 1,676 |
| Earnings coverage of net charge-offs (x) | 6.9471% | 2,689 |
| Efficiency ratio | 70.5833% | 3,578 |
| Assets per employee ($millions) | 3.0650% | 5,937 |
| Cash dividends to net income (ytd only)* | 74.6250% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0104% | 6,038 |
| Loan loss allowance to noncurrent loans | 82.4176% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 1.3422% | 3,613 |
| Noncurrent loans to loans | 1.2260% | 4,003 |
| Net loans and leases to total assets | 57.5350% | 4,200 |
| Net loans and leases to deposits | 79.1958% | 2,511 |
| Net loans and leases to core deposits | 81.3175% | 3,043 |
| Total domestic deposits to total assets | 72.6491% | 6,704 |
| Equity capital to assets | 14.4002% | 1,002 |
| Core capital (leverage) ratio | 13.8604% | 881 |
| Tier 1 risk-based capital ratio | 21.6597% | 1,390 |
| Total risk-based capital ratio | 22.5885% | 1,417 |
| Memoranda: | ||
| Average total assets | $314,169,000 | 2,068 |
| Average earning assets | $280,304,250 | 2,119 |
| Average equity | $43,861,000 | 1,605 |
| Average total loans | $187,047,500 | 2,138 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6428% | 3,164 |
| Cost of funding earning assets | 0.9830% | 1,864 |
| Net interest margin | 3.6598% | 3,990 |
| Noninterest income to average assets | 1.0609% | 1,278 |
| Noninterest expense to average assets | 3.1163% | 2,872 |
| Loan and lease loss provision to assets | 0.3271% | 2,011 |
| Net operating income to assets | 0.6861% | 3,942 |
| Return on assets (ROA) | 0.8373% | 3,472 |
| Pretax return on assets | 1.0842% | 3,361 |
| Return on Equity (ROE) | 6.0591% | 4,295 |
| Retained earnings to average equity (ytd only) | 1.1926% | 5,595 |
| Net charge-offs to loans | 0.4137% | 2,380 |
| Credit loss provision to net charge-offs | 131.8066% | 2,081 |
| Earnings coverage of net charge-offs (x) | 4.8957% | 2,961 |
| Efficiency ratio | 71.9493% | 3,441 |
| Assets per employee ($millions) | 3.5357% | 4,900 |
| Cash dividends to net income (ytd only)* | 80.3167% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8733% | 6,524 |
| Loan loss allowance to noncurrent loans | 51.9501% | 5,007 |
| Noncurrent assets plus other real estate owned to assets | 1.7443% | 3,111 |
| Noncurrent loans to loans | 1.6810% | 3,377 |
| Net loans and leases to total assets | 58.6152% | 4,061 |
| Net loans and leases to deposits | 82.7959% | 2,007 |
| Net loans and leases to core deposits | 85.0083% | 2,560 |
| Total domestic deposits to total assets | 70.7949% | 6,865 |
| Equity capital to assets | 13.8918% | 1,146 |
| Core capital (leverage) ratio | 13.3998% | 1,013 |
| Tier 1 risk-based capital ratio | 21.0906% | 1,463 |
| Total risk-based capital ratio | 21.9122% | 1,520 |
| Memoranda: | ||
| Average total assets | $316,724,670 | 2,049 |
| Average earning assets | $283,021,330 | 2,107 |
| Average equity | $43,769,000 | 1,598 |
| Average total loans | $190,014,670 | 2,116 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8115% | 2,584 |
| Cost of funding earning assets | 1.0434% | 1,722 |
| Net interest margin | 3.7681% | 3,527 |
| Noninterest income to average assets | 1.0360% | 1,345 |
| Noninterest expense to average assets | 3.0716% | 3,011 |
| Loan and lease loss provision to assets | 0.3248% | 1,929 |
| Net operating income to assets | 0.7613% | 3,569 |
| Return on assets (ROA) | 0.8699% | 3,281 |
| Pretax return on assets | 1.1531% | 3,098 |
| Return on Equity (ROE) | 6.3111% | 4,134 |
| Retained earnings to average equity (ytd only) | 1.3243% | 5,569 |
| Net charge-offs to loans | 0.1208% | 3,389 |
| Credit loss provision to net charge-offs | 444.8276% | 726 |
| Earnings coverage of net charge-offs (x) | 18.2586% | 1,275 |
| Efficiency ratio | 69.7342% | 3,859 |
| Assets per employee ($millions) | 3.6980% | 4,656 |
| Cash dividends to net income (ytd only)* | 79.0159% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8907% | 6,558 |
| Loan loss allowance to noncurrent loans | 56.8752% | 4,690 |
| Noncurrent assets plus other real estate owned to assets | 1.5285% | 3,566 |
| Noncurrent loans to loans | 1.5660% | 3,766 |
| Net loans and leases to total assets | 59.4810% | 3,780 |
| Net loans and leases to deposits | 85.4406% | 1,483 |
| Net loans and leases to core deposits | 87.7309% | 2,081 |
| Total domestic deposits to total assets | 69.6168% | 7,000 |
| Equity capital to assets | 13.7726% | 1,103 |
| Core capital (leverage) ratio | 13.0799% | 1,097 |
| Tier 1 risk-based capital ratio | 20.4772% | 1,595 |
| Total risk-based capital ratio | 21.3140% | 1,668 |
| Memoranda: | ||
| Average total assets | $317,746,500 | 2,047 |
| Average earning assets | $284,069,500 | 2,104 |
| Average equity | $43,796,000 | 1,588 |
| Average total loans | $191,984,000 | 2,111 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0414% | 2,700 |
| Cost of funding earning assets | 1.2350% | 1,813 |
| Net interest margin | 3.8063% | 3,785 |
| Noninterest income to average assets | 0.7284% | 2,454 |
| Noninterest expense to average assets | 2.9379% | 3,814 |
| Loan and lease loss provision to assets | 0.3187% | 3,135 |
| Net operating income to assets | 0.6115% | 3,939 |
| Return on assets (ROA) | 0.6474% | 3,944 |
| Pretax return on assets | 0.9369% | 3,483 |
| Return on Equity (ROE) | 4.8228% | 4,469 |
| Retained earnings to average equity (ytd only) | 0.8724% | 5,452 |
| Net charge-offs to loans | 0.3072% | 3,864 |
| Credit loss provision to net charge-offs | 173.2082% | 1,525 |
| Earnings coverage of net charge-offs (x) | 6.5410% | 2,498 |
| Efficiency ratio | 70.9401% | 3,786 |
| Assets per employee ($millions) | 3.7348% | 4,473 |
| Cash dividends to net income (ytd only)* | 81.9108% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6049% | 7,012 |
| Loan loss allowance to noncurrent loans | 37.1383% | 5,764 |
| Noncurrent assets plus other real estate owned to assets | 1.6260% | 3,520 |
| Noncurrent loans to loans | 1.6287% | 3,717 |
| Net loans and leases to total assets | 60.4583% | 3,905 |
| Net loans and leases to deposits | 89.0322% | 1,266 |
| Net loans and leases to core deposits | 91.5885% | 1,931 |
| Total domestic deposits to total assets | 67.9061% | 7,077 |
| Equity capital to assets | 13.7941% | 1,140 |
| Core capital (leverage) ratio | 13.1947% | 1,073 |
| Tier 1 risk-based capital ratio | 19.5001% | 1,759 |
| Total risk-based capital ratio | 20.0496% | 1,915 |
| Memoranda: | ||
| Average total assets | $318,493,200 | 2,015 |
| Average earning assets | $285,576,200 | 2,056 |
| Average equity | $42,755,400 | 1,571 |
| Average total loans | $190,725,400 | 2,125 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0437% | 2,871 |
| Cost of funding earning assets | 1.2683% | 1,877 |
| Net interest margin | 3.7755% | 3,990 |
| Noninterest income to average assets | 0.6576% | 2,837 |
| Noninterest expense to average assets | 2.9728% | 3,665 |
| Loan and lease loss provision to assets | 0.2886% | 3,204 |
| Net operating income to assets | 0.5415% | 4,356 |
| Return on assets (ROA) | 0.5580% | 4,456 |
| Pretax return on assets | 0.8094% | 4,093 |
| Return on Equity (ROE) | 4.1853% | 4,921 |
| Retained earnings to average equity (ytd only) | -0.0533% | 5,970 |
| Net charge-offs to loans | 0.2321% | 3,978 |
| Credit loss provision to net charge-offs | 208.4592% | 1,400 |
| Earnings coverage of net charge-offs (x) | 7.7583% | 2,302 |
| Efficiency ratio | 73.4574% | 3,285 |
| Assets per employee ($millions) | 3.8259% | 4,247 |
| Cash dividends to net income (ytd only)* | 101.2746% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5769% | 7,109 |
| Loan loss allowance to noncurrent loans | 23.7776% | 6,546 |
| Noncurrent assets plus other real estate owned to assets | 1.8436% | 3,344 |
| Noncurrent loans to loans | 2.4263% | 2,852 |
| Net loans and leases to total assets | 58.9329% | 4,336 |
| Net loans and leases to deposits | 88.3044% | 1,395 |
| Net loans and leases to core deposits | 90.7431% | 2,155 |
| Total domestic deposits to total assets | 66.7383% | 7,179 |
| Equity capital to assets | 13.5656% | 1,344 |
| Core capital (leverage) ratio | 12.9220% | 1,256 |
| Tier 1 risk-based capital ratio | 19.1982% | 1,875 |
| Total risk-based capital ratio | 19.7120% | 2,066 |
| Memoranda: | ||
| Average total assets | $318,751,000 | 2,016 |
| Average earning assets | $286,157,250 | 2,059 |
| Average equity | $42,496,500 | 1,588 |
| Average total loans | $190,131,750 | 2,152 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0832% | 2,758 |
| Cost of funding earning assets | 1.2942% | 1,973 |
| Net interest margin | 3.7889% | 3,840 |
| Noninterest income to average assets | 0.7550% | 2,236 |
| Noninterest expense to average assets | 3.0792% | 3,335 |
| Loan and lease loss provision to assets | 0.2718% | 3,221 |
| Net operating income to assets | 0.5556% | 4,285 |
| Return on assets (ROA) | 0.5556% | 4,411 |
| Pretax return on assets | 0.8098% | 3,987 |
| Return on Equity (ROE) | 4.1918% | 4,842 |
| Retained earnings to average equity (ytd only) | -0.4985% | 5,964 |
| Net charge-offs to loans | 0.2737% | 3,519 |
| Credit loss provision to net charge-offs | 166.1538% | 1,830 |
| Earnings coverage of net charge-offs (x) | 6.6115% | 2,365 |
| Efficiency ratio | 74.0057% | 3,362 |
| Assets per employee ($millions) | 3.8139% | 4,170 |
| Cash dividends to net income (ytd only)* | 111.8913% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4835% | 7,243 |
| Loan loss allowance to noncurrent loans | 42.9379% | 5,460 |
| Noncurrent assets plus other real estate owned to assets | 1.0441% | 4,795 |
| Noncurrent loans to loans | 1.1261% | 4,778 |
| Net loans and leases to total assets | 59.2977% | 4,413 |
| Net loans and leases to deposits | 89.4431% | 1,335 |
| Net loans and leases to core deposits | 92.0850% | 2,116 |
| Total domestic deposits to total assets | 66.2966% | 7,255 |
| Equity capital to assets | 13.5031% | 1,292 |
| Core capital (leverage) ratio | 13.0482% | 1,140 |
| Tier 1 risk-based capital ratio | 19.2742% | 1,763 |
| Total risk-based capital ratio | 19.7032% | 1,978 |
| Memoranda: | ||
| Average total assets | $317,875,000 | 2,033 |
| Average earning assets | $285,726,330 | 2,068 |
| Average equity | $42,129,670 | 1,587 |
| Average total loans | $190,010,000 | 2,175 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1311% | 2,508 |
| Cost of funding earning assets | 1.3317% | 2,001 |
| Net interest margin | 3.7994% | 3,625 |
| Noninterest income to average assets | 0.7359% | 2,351 |
| Noninterest expense to average assets | 3.0590% | 3,426 |
| Loan and lease loss provision to assets | 0.3478% | 2,477 |
| Net operating income to assets | 0.5010% | 4,486 |
| Return on assets (ROA) | 0.5010% | 4,567 |
| Pretax return on assets | 0.7434% | 4,130 |
| Return on Equity (ROE) | 3.8161% | 4,996 |
| Retained earnings to average equity (ytd only) | -2.1998% | 6,179 |
| Net charge-offs to loans | 0.3838% | 2,538 |
| Credit loss provision to net charge-offs | 151.3661% | 1,895 |
| Earnings coverage of net charge-offs (x) | 4.7486% | 2,405 |
| Efficiency ratio | 73.7065% | 3,570 |
| Assets per employee ($millions) | 3.7524% | 4,416 |
| Cash dividends to net income (ytd only)* | 157.6441% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4428% | 7,320 |
| Loan loss allowance to noncurrent loans | 53.7025% | 4,791 |
| Noncurrent assets plus other real estate owned to assets | 0.9011% | 5,101 |
| Noncurrent loans to loans | 0.8245% | 5,382 |
| Net loans and leases to total assets | 58.7932% | 4,502 |
| Net loans and leases to deposits | 88.4726% | 1,410 |
| Net loans and leases to core deposits | 91.4278% | 2,181 |
| Total domestic deposits to total assets | 66.4536% | 7,317 |
| Equity capital to assets | 13.0725% | 1,352 |
| Core capital (leverage) ratio | 12.8561% | 1,173 |
| Tier 1 risk-based capital ratio | 19.1860% | 1,754 |
| Total risk-based capital ratio | 19.5777% | 1,966 |
| Memoranda: | ||
| Average total assets | $318,537,500 | 2,047 |
| Average earning assets | $286,254,000 | 2,074 |
| Average equity | $41,822,500 | 1,590 |
| Average total loans | $190,705,500 | 2,195 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1934% | 3,642 |
| Cost of funding earning assets | 1.5375% | 2,419 |
| Net interest margin | 3.6560% | 4,546 |
| Noninterest income to average assets | 1.1247% | 1,169 |
| Noninterest expense to average assets | 2.8867% | 4,292 |
| Loan and lease loss provision to assets | 0.3176% | 4,269 |
| Net operating income to assets | 0.8448% | 2,613 |
| Return on assets (ROA) | 0.8457% | 2,744 |
| Pretax return on assets | 1.2082% | 2,201 |
| Return on Equity (ROE) | 7.0903% | 3,072 |
| Retained earnings to average equity (ytd only) | 2.8728% | 3,843 |
| Net charge-offs to loans | 0.5155% | 3,553 |
| Credit loss provision to net charge-offs | 105.5556% | 4,246 |
| Earnings coverage of net charge-offs (x) | 5.0673% | 2,720 |
| Efficiency ratio | 65.4401% | 5,083 |
| Assets per employee ($millions) | 3.6566% | 4,566 |
| Cash dividends to net income (ytd only)* | 59.4831% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3828% | 7,435 |
| Loan loss allowance to noncurrent loans | 41.4935% | 5,537 |
| Noncurrent assets plus other real estate owned to assets | 1.0273% | 4,944 |
| Noncurrent loans to loans | 0.9225% | 5,211 |
| Net loans and leases to total assets | 60.4533% | 4,593 |
| Net loans and leases to deposits | 93.7304% | 1,083 |
| Net loans and leases to core deposits | 96.8710% | 1,906 |
| Total domestic deposits to total assets | 64.4971% | 7,429 |
| Equity capital to assets | 13.1867% | 1,307 |
| Core capital (leverage) ratio | 12.9633% | 1,138 |
| Tier 1 risk-based capital ratio | 19.2442% | 1,657 |
| Total risk-based capital ratio | 19.5904% | 1,860 |
| Memoranda: | ||
| Average total assets | $311,111,600 | 2,085 |
| Average earning assets | $279,680,200 | 2,114 |
| Average equity | $37,107,000 | 1,786 |
| Average total loans | $181,576,800 | 2,336 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2236% | 3,713 |
| Cost of funding earning assets | 1.5779% | 2,522 |
| Net interest margin | 3.6457% | 4,653 |
| Noninterest income to average assets | 1.0839% | 1,214 |
| Noninterest expense to average assets | 2.8510% | 4,275 |
| Loan and lease loss provision to assets | 0.3258% | 3,983 |
| Net operating income to assets | 0.8315% | 2,878 |
| Return on assets (ROA) | 0.8327% | 3,004 |
| Pretax return on assets | 1.1869% | 2,542 |
| Return on Equity (ROE) | 7.1761% | 3,270 |
| Retained earnings to average equity (ytd only) | 4.3903% | 3,404 |
| Net charge-offs to loans | 0.3880% | 3,735 |
| Credit loss provision to net charge-offs | 145.3846% | 2,701 |
| Earnings coverage of net charge-offs (x) | 6.7423% | 2,465 |
| Efficiency ratio | 65.3592% | 4,986 |
| Assets per employee ($millions) | 3.8000% | 4,271 |
| Cash dividends to net income (ytd only)* | 38.8200% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4926% | 7,465 |
| Loan loss allowance to noncurrent loans | 48.1984% | 5,080 |
| Noncurrent assets plus other real estate owned to assets | 1.0013% | 5,086 |
| Noncurrent loans to loans | 1.0221% | 5,192 |
| Net loans and leases to total assets | 59.1118% | 5,082 |
| Net loans and leases to deposits | 90.9152% | 1,594 |
| Net loans and leases to core deposits | 93.6563% | 2,572 |
| Total domestic deposits to total assets | 65.0187% | 7,494 |
| Equity capital to assets | 13.8391% | 1,227 |
| Core capital (leverage) ratio | 13.2070% | 1,152 |
| Tier 1 risk-based capital ratio | 19.6332% | 1,621 |
| Total risk-based capital ratio | 20.0731% | 1,757 |
| Memoranda: | ||
| Average total assets | $309,358,750 | 2,136 |
| Average earning assets | $278,165,750 | 2,163 |
| Average equity | $35,896,250 | 1,859 |
| Average total loans | $178,707,250 | 2,406 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2298% | 3,802 |
| Cost of funding earning assets | 1.6324% | 2,470 |
| Net interest margin | 3.5974% | 4,822 |
| Noninterest income to average assets | 0.8557% | 1,857 |
| Noninterest expense to average assets | 2.8281% | 4,365 |
| Loan and lease loss provision to assets | 0.3078% | 3,923 |
| Net operating income to assets | 0.6652% | 3,556 |
| Return on assets (ROA) | 0.6670% | 3,692 |
| Pretax return on assets | 0.9533% | 3,298 |
| Return on Equity (ROE) | 6.1539% | 3,725 |
| Retained earnings to average equity (ytd only) | 3.1520% | 4,108 |
| Net charge-offs to loans | 0.5403% | 2,906 |
| Credit loss provision to net charge-offs | 99.5789% | 4,124 |
| Earnings coverage of net charge-offs (x) | 4.0716% | 3,067 |
| Efficiency ratio | 69.2038% | 4,331 |
| Assets per employee ($millions) | 3.6637% | 4,564 |
| Cash dividends to net income (ytd only)* | 48.7805% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3845% | 7,603 |
| Loan loss allowance to noncurrent loans | 28.1366% | 6,482 |
| Noncurrent assets plus other real estate owned to assets | 0.9794% | 5,179 |
| Noncurrent loans to loans | 1.3666% | 4,658 |
| Net loans and leases to total assets | 56.9023% | 5,573 |
| Net loans and leases to deposits | 89.2120% | 1,975 |
| Net loans and leases to core deposits | 91.7426% | 3,022 |
| Total domestic deposits to total assets | 63.7832% | 7,590 |
| Equity capital to assets | 13.4899% | 1,350 |
| Core capital (leverage) ratio | 13.1019% | 1,175 |
| Tier 1 risk-based capital ratio | 19.3053% | 1,651 |
| Total risk-based capital ratio | 19.6310% | 1,834 |
| Memoranda: | ||
| Average total assets | $307,346,000 | 2,160 |
| Average earning assets | $276,035,330 | 2,188 |
| Average equity | $33,312,330 | 2,001 |
| Average total loans | $175,823,000 | 2,474 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2934% | 3,584 |
| Cost of funding earning assets | 1.6643% | 2,571 |
| Net interest margin | 3.6291% | 4,584 |
| Noninterest income to average assets | 0.7756% | 2,146 |
| Noninterest expense to average assets | 2.7775% | 4,576 |
| Loan and lease loss provision to assets | 0.2804% | 3,787 |
| Net operating income to assets | 0.6472% | 3,676 |
| Return on assets (ROA) | 0.6472% | 3,796 |
| Pretax return on assets | 0.9774% | 3,176 |
| Return on Equity (ROE) | 6.8223% | 3,439 |
| Retained earnings to average equity (ytd only) | 3.3697% | 4,136 |
| Net charge-offs to loans | 0.1831% | 3,822 |
| Credit loss provision to net charge-offs | 267.5000% | 1,477 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,600 |
| Efficiency ratio | 68.8312% | 4,546 |
| Assets per employee ($millions) | 3.5270% | 4,968 |
| Cash dividends to net income (ytd only)* | 50.6073% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4675% | 7,620 |
| Loan loss allowance to noncurrent loans | 45.0055% | 5,351 |
| Noncurrent assets plus other real estate owned to assets | 0.7865% | 5,579 |
| Noncurrent loans to loans | 1.0387% | 5,258 |
| Net loans and leases to total assets | 56.2499% | 5,708 |
| Net loans and leases to deposits | 85.7922% | 2,626 |
| Net loans and leases to core deposits | 88.6382% | 3,546 |
| Total domestic deposits to total assets | 65.5653% | 7,631 |
| Equity capital to assets | 9.4149% | 4,659 |
| Core capital (leverage) ratio | 9.1454% | 4,306 |
| Tier 1 risk-based capital ratio | 13.3915% | 4,052 |
| Total risk-based capital ratio | 13.7801% | 4,676 |
| Memoranda: | ||
| Average total assets | $305,313,500 | 2,221 |
| Average earning assets | $274,230,500 | 2,251 |
| Average equity | $28,964,000 | 2,293 |
| Average total loans | $174,792,500 | 2,543 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6848% | 3,183 |
| Cost of funding earning assets | 2.0791% | 2,575 |
| Net interest margin | 3.6057% | 4,531 |
| Noninterest income to average assets | 1.1608% | 1,143 |
| Noninterest expense to average assets | 2.8586% | 4,707 |
| Loan and lease loss provision to assets | 0.1604% | 6,081 |
| Net operating income to assets | 0.9720% | 1,934 |
| Return on assets (ROA) | 1.1828% | 1,339 |
| Pretax return on assets | 1.6906% | 797 |
| Return on Equity (ROE) | 12.8079% | 1,003 |
| Retained earnings to average equity (ytd only) | 9.0727% | 487 |
| Net charge-offs to loans | 0.0386% | 6,730 |
| Credit loss provision to net charge-offs | 683.8235% | 425 |
| Earnings coverage of net charge-offs (x) | 66.0735% | 406 |
| Efficiency ratio | 64.4992% | 5,674 |
| Assets per employee ($millions) | 3.6174% | 4,743 |
| Cash dividends to net income (ytd only)* | 29.1630% | 3,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3967% | 7,760 |
| Loan loss allowance to noncurrent loans | 32.2596% | 6,302 |
| Noncurrent assets plus other real estate owned to assets | 0.7607% | 5,582 |
| Noncurrent loans to loans | 1.2298% | 4,892 |
| Net loans and leases to total assets | 57.7809% | 5,693 |
| Net loans and leases to deposits | 85.5251% | 2,997 |
| Net loans and leases to core deposits | 99.8722% | 4,012 |
| Total domestic deposits to total assets | 67.5602% | 7,575 |
| Equity capital to assets | 9.5608% | 4,340 |
| Core capital (leverage) ratio | 9.3608% | 3,885 |
| Tier 1 risk-based capital ratio | 13.1283% | 4,062 |
| Total risk-based capital ratio | 13.4521% | 4,731 |
| Memoranda: | ||
| Average total assets | $289,893,200 | 2,279 |
| Average earning assets | $261,117,000 | 2,320 |
| Average equity | $26,772,600 | 2,467 |
| Average total loans | $176,126,400 | 2,561 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7176% | 3,253 |
| Cost of funding earning assets | 2.1335% | 2,736 |
| Net interest margin | 3.5841% | 4,540 |
| Noninterest income to average assets | 1.2126% | 1,048 |
| Noninterest expense to average assets | 2.7835% | 4,960 |
| Loan and lease loss provision to assets | 0.1661% | 5,695 |
| Net operating income to assets | 1.0460% | 1,914 |
| Return on assets (ROA) | 1.3189% | 1,253 |
| Pretax return on assets | 1.8851% | 681 |
| Return on Equity (ROE) | 14.4136% | 853 |
| Retained earnings to average equity (ytd only) | 10.6099% | 530 |
| Net charge-offs to loans | 0.0438% | 6,294 |
| Credit loss provision to net charge-offs | 617.2414% | 614 |
| Earnings coverage of net charge-offs (x) | 61.7252% | 532 |
| Efficiency ratio | 62.1633% | 6,074 |
| Assets per employee ($millions) | 3.5492% | 4,810 |
| Cash dividends to net income (ytd only)* | 26.3900% | 3,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3454% | 7,875 |
| Loan loss allowance to noncurrent loans | 42.1986% | 5,509 |
| Noncurrent assets plus other real estate owned to assets | 0.5323% | 6,130 |
| Noncurrent loans to loans | 0.8185% | 5,662 |
| Net loans and leases to total assets | 58.2787% | 5,848 |
| Net loans and leases to deposits | 87.4913% | 3,062 |
| Net loans and leases to core deposits | 100.4458% | 4,327 |
| Total domestic deposits to total assets | 66.6108% | 7,655 |
| Equity capital to assets | 9.8363% | 4,306 |
| Core capital (leverage) ratio | 9.4543% | 3,971 |
| Tier 1 risk-based capital ratio | 13.4296% | 3,907 |
| Total risk-based capital ratio | 13.7183% | 4,520 |
| Memoranda: | ||
| Average total assets | $287,304,500 | 2,311 |
| Average earning assets | $259,101,000 | 2,347 |
| Average equity | $26,289,250 | 2,531 |
| Average total loans | $176,613,750 | 2,582 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8164% | 2,976 |
| Cost of funding earning assets | 2.2202% | 2,701 |
| Net interest margin | 3.5962% | 4,379 |
| Noninterest income to average assets | 1.1963% | 1,094 |
| Noninterest expense to average assets | 2.8707% | 4,631 |
| Loan and lease loss provision to assets | 0.1566% | 5,503 |
| Net operating income to assets | 0.9871% | 2,154 |
| Return on assets (ROA) | 1.3999% | 1,098 |
| Pretax return on assets | 2.0009% | 570 |
| Return on Equity (ROE) | 15.7047% | 732 |
| Retained earnings to average equity (ytd only) | 11.7667% | 478 |
| Net charge-offs to loans | 0.0056% | 6,532 |
| Credit loss provision to net charge-offs | 4,460.0000% | 112 |
| Earnings coverage of net charge-offs (x) | 446.6000% | 75 |
| Efficiency ratio | 64.1569% | 5,887 |
| Assets per employee ($millions) | 3.4177% | 5,025 |
| Cash dividends to net income (ytd only)* | 25.0752% | 3,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2964% | 7,989 |
| Loan loss allowance to noncurrent loans | 41.3043% | 5,605 |
| Noncurrent assets plus other real estate owned to assets | 0.4378% | 6,358 |
| Noncurrent loans to loans | 0.7177% | 5,802 |
| Net loans and leases to total assets | 60.8270% | 5,548 |
| Net loans and leases to deposits | 91.8654% | 2,495 |
| Net loans and leases to core deposits | 105.2186% | 3,933 |
| Total domestic deposits to total assets | 66.2132% | 7,728 |
| Equity capital to assets | 9.4078% | 4,737 |
| Core capital (leverage) ratio | 9.5328% | 3,837 |
| Tier 1 risk-based capital ratio | 13.4082% | 3,860 |
| Total risk-based capital ratio | 13.6622% | 4,516 |
| Memoranda: | ||
| Average total assets | $284,878,330 | 2,349 |
| Average earning assets | $256,824,330 | 2,384 |
| Average equity | $25,393,670 | 2,611 |
| Average total loans | $178,060,330 | 2,601 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8616% | 2,979 |
| Cost of funding earning assets | 2.2667% | 2,853 |
| Net interest margin | 3.5950% | 4,335 |
| Noninterest income to average assets | 0.5787% | 3,698 |
| Noninterest expense to average assets | 2.7476% | 4,793 |
| Loan and lease loss provision to assets | 0.1009% | 5,675 |
| Net operating income to assets | 0.6805% | 3,659 |
| Return on assets (ROA) | 1.5132% | 986 |
| Pretax return on assets | 2.1620% | 479 |
| Return on Equity (ROE) | 17.4567% | 640 |
| Retained earnings to average equity (ytd only) | 13.4158% | 579 |
| Net charge-offs to loans | 0.0177% | 5,327 |
| Credit loss provision to net charge-offs | 900.0000% | 680 |
| Earnings coverage of net charge-offs (x) | 95.7500% | 446 |
| Efficiency ratio | 71.1038% | 4,348 |
| Assets per employee ($millions) | 3.5716% | 4,650 |
| Cash dividends to net income (ytd only)* | 23.1481% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1990% | 8,106 |
| Loan loss allowance to noncurrent loans | 38.5607% | 5,976 |
| Noncurrent assets plus other real estate owned to assets | 0.3218% | 6,546 |
| Noncurrent loans to loans | 0.5162% | 6,136 |
| Net loans and leases to total assets | 62.2225% | 5,283 |
| Net loans and leases to deposits | 93.3749% | 2,375 |
| Net loans and leases to core deposits | 107.4192% | 3,753 |
| Total domestic deposits to total assets | 66.6373% | 7,693 |
| Equity capital to assets | 8.7549% | 5,688 |
| Core capital (leverage) ratio | 9.0770% | 4,588 |
| Tier 1 risk-based capital ratio | 12.9672% | 4,205 |
| Total risk-based capital ratio | 13.1435% | 4,955 |
| Memoranda: | ||
| Average total assets | $285,482,500 | 2,359 |
| Average earning assets | $257,470,500 | 2,391 |
| Average equity | $24,747,000 | 2,679 |
| Average total loans | $180,560,000 | 2,591 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0168% | 5,470 |
| Cost of funding earning assets | 2.5151% | 4,121 |
| Net interest margin | 3.5017% | 5,291 |
| Noninterest income to average assets | 0.0509% | 7,884 |
| Noninterest expense to average assets | 2.6039% | 5,635 |
| Loan and lease loss provision to assets | -0.0524% | 8,236 |
| Net operating income to assets | 0.5037% | 4,719 |
| Return on assets (ROA) | 0.7657% | 3,432 |
| Pretax return on assets | 1.0509% | 3,208 |
| Return on Equity (ROE) | 8.3412% | 2,919 |
| Retained earnings to average equity (ytd only) | 2.0782% | 3,941 |
| Net charge-offs to loans | 0.0190% | 6,599 |
| Credit loss provision to net charge-offs | -427.2727% | 7,383 |
| Earnings coverage of net charge-offs (x) | 52.1212% | 742 |
| Efficiency ratio | 79.1103% | 2,737 |
| Assets per employee ($millions) | 3.5654% | 4,513 |
| Cash dividends to net income (ytd only)* | 75.0850% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1632% | 8,185 |
| Loan loss allowance to noncurrent loans | 115.6863% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 0.0905% | 7,216 |
| Noncurrent loans to loans | 0.1411% | 6,988 |
| Net loans and leases to total assets | 64.0677% | 5,260 |
| Net loans and leases to deposits | 99.2138% | 1,957 |
| Net loans and leases to core deposits | 112.7809% | 3,474 |
| Total domestic deposits to total assets | 64.5754% | 7,752 |
| Equity capital to assets | 8.5798% | 5,965 |
| Core capital (leverage) ratio | 9.0175% | 4,717 |
| Tier 1 risk-based capital ratio | 12.7296% | 4,268 |
| Total risk-based capital ratio | 12.8763% | 5,021 |
| Memoranda: | ||
| Average total assets | $268,901,800 | 2,391 |
| Average earning assets | $245,163,600 | 2,409 |
| Average equity | $24,684,800 | 2,674 |
| Average total loans | $173,929,200 | 2,570 |