Home > Oregon Pacific Banking Company dba Oregon Pacific Bank > Performance and Condition Ratios
Oregon Pacific Banking Company dba Oregon Pacific Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6716% | 2,736 |
| Cost of funding earning assets | 0.7665% | 3,819 |
| Net interest margin | 3.9051% | 1,362 |
| Noninterest income to average assets | 0.9500% | 690 |
| Noninterest expense to average assets | 2.8975% | 1,272 |
| Loan and lease loss provision to assets | -0.0300% | 4,371 |
| Net operating income to assets | 1.3182% | 1,397 |
| Return on assets (ROA) | 1.3150% | 1,369 |
| Pretax return on assets | 1.7515% | 960 |
| Return on Equity (ROE) | 14.7200% | 1,338 |
| Retained earnings to average equity (ytd only) | 13.0360% | 498 |
| Net charge-offs to loans | -0.0194% | 4,148 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 62.6808% | 2,761 |
| Assets per employee ($millions) | 5.6364% | 3,120 |
| Cash dividends to net income (ytd only)* | 11.4527% | 3,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2997% | 1,768 |
| Loan loss allowance to noncurrent loans | 1,574.4921% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.0582% | 3,194 |
| Noncurrent loans to loans | 0.0825% | 3,135 |
| Net loans and leases to total assets | 69.6100% | 1,853 |
| Net loans and leases to deposits | 79.9275% | 2,115 |
| Net loans and leases to core deposits | 81.7571% | 2,607 |
| Total domestic deposits to total assets | 87.0900% | 1,652 |
| Equity capital to assets | 9.6313% | 2,256 |
| Core capital (leverage) ratio | 10.7022% | 2,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5318% | 1,388 |
| Memoranda: | ||
| Average total assets | $756,936,400 | 1,232 |
| Average earning assets | $712,757,400 | 1,211 |
| Average equity | $67,612,800 | 1,281 |
| Average total loans | $509,723,200 | 1,214 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6116% | 2,651 |
| Cost of funding earning assets | 0.6846% | 3,799 |
| Net interest margin | 3.9269% | 1,352 |
| Noninterest income to average assets | 0.9300% | 718 |
| Noninterest expense to average assets | 2.8677% | 1,290 |
| Loan and lease loss provision to assets | -0.0300% | 4,416 |
| Net operating income to assets | 1.3335% | 1,464 |
| Return on assets (ROA) | 1.3293% | 1,457 |
| Pretax return on assets | 1.7913% | 1,021 |
| Return on Equity (ROE) | 15.1800% | 1,417 |
| Retained earnings to average equity (ytd only) | 13.4892% | 746 |
| Net charge-offs to loans | -0.0254% | 4,194 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 61.8566% | 2,738 |
| Assets per employee ($millions) | 5.8334% | 2,897 |
| Cash dividends to net income (ytd only)* | 11.1450% | 2,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3122% | 1,814 |
| Loan loss allowance to noncurrent loans | 1,511.4035% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.0606% | 3,212 |
| Noncurrent loans to loans | 0.0868% | 3,151 |
| Net loans and leases to total assets | 68.8800% | 1,959 |
| Net loans and leases to deposits | 77.1074% | 2,322 |
| Net loans and leases to core deposits | 78.6068% | 2,708 |
| Total domestic deposits to total assets | 89.3300% | 1,149 |
| Equity capital to assets | 8.9817% | 2,432 |
| Core capital (leverage) ratio | 10.3968% | 2,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5905% | 1,403 |
| Memoranda: | ||
| Average total assets | $755,942,250 | 1,233 |
| Average earning assets | $712,563,500 | 1,208 |
| Average equity | $66,194,500 | 1,292 |
| Average total loans | $502,988,500 | 1,223 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5101% | 2,621 |
| Cost of funding earning assets | 0.6072% | 3,732 |
| Net interest margin | 3.9029% | 1,425 |
| Noninterest income to average assets | 0.9200% | 658 |
| Noninterest expense to average assets | 2.8242% | 1,367 |
| Loan and lease loss provision to assets | -0.0100% | 4,374 |
| Net operating income to assets | 1.3665% | 1,409 |
| Return on assets (ROA) | 1.3602% | 1,402 |
| Pretax return on assets | 1.7850% | 1,042 |
| Return on Equity (ROE) | 15.6700% | 1,327 |
| Retained earnings to average equity (ytd only) | 14.0240% | 673 |
| Net charge-offs to loans | -0.0363% | 4,288 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.2981% | 2,810 |
| Assets per employee ($millions) | 5.8816% | 2,816 |
| Cash dividends to net income (ytd only)* | 10.4875% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3497% | 1,715 |
| Loan loss allowance to noncurrent loans | 3,869.1011% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.0236% | 3,563 |
| Noncurrent loans to loans | 0.0349% | 3,488 |
| Net loans and leases to total assets | 66.8600% | 2,072 |
| Net loans and leases to deposits | 74.0612% | 2,483 |
| Net loans and leases to core deposits | 75.3270% | 2,802 |
| Total domestic deposits to total assets | 90.2800% | 849 |
| Equity capital to assets | 8.9148% | 2,578 |
| Core capital (leverage) ratio | 10.2409% | 2,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4339% | 1,445 |
| Memoranda: | ||
| Average total assets | $757,086,333 | 1,228 |
| Average earning assets | $714,702,000 | 1,209 |
| Average equity | $65,730,000 | 1,294 |
| Average total loans | $495,574,333 | 1,228 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4065% | 2,535 |
| Cost of funding earning assets | 0.4651% | 3,793 |
| Net interest margin | 3.9414% | 1,384 |
| Noninterest income to average assets | 0.9000% | 683 |
| Noninterest expense to average assets | 2.8040% | 1,426 |
| Loan and lease loss provision to assets | -0.0300% | 4,479 |
| Net operating income to assets | 1.4062% | 1,391 |
| Return on assets (ROA) | 1.4062% | 1,363 |
| Pretax return on assets | 1.8472% | 989 |
| Return on Equity (ROE) | 16.4200% | 1,278 |
| Retained earnings to average equity (ytd only) | 14.8161% | 823 |
| Net charge-offs to loans | -0.0721% | 4,445 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.6358% | 2,874 |
| Assets per employee ($millions) | 6.0185% | 2,745 |
| Cash dividends to net income (ytd only)* | 9.7415% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3950% | 1,642 |
| Loan loss allowance to noncurrent loans | 3,129.0909% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.0288% | 3,496 |
| Noncurrent loans to loans | 0.0446% | 3,417 |
| Net loans and leases to total assets | 63.6600% | 2,277 |
| Net loans and leases to deposits | 70.3442% | 2,578 |
| Net loans and leases to core deposits | 70.6716% | 2,903 |
| Total domestic deposits to total assets | 90.5000% | 981 |
| Equity capital to assets | 8.7217% | 2,722 |
| Core capital (leverage) ratio | 9.9401% | 2,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4117% | 1,517 |
| Memoranda: | ||
| Average total assets | $759,204,500 | 1,240 |
| Average earning assets | $718,116,000 | 1,216 |
| Average equity | $65,037,500 | 1,313 |
| Average total loans | $488,229,500 | 1,253 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6170% | 2,752 |
| Cost of funding earning assets | 0.1010% | 4,387 |
| Net interest margin | 3.5160% | 1,878 |
| Noninterest income to average assets | 1.0100% | 629 |
| Noninterest expense to average assets | 2.5603% | 1,938 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.2928% | 1,458 |
| Return on assets (ROA) | 1.0946% | 2,143 |
| Pretax return on assets | 1.4218% | 1,706 |
| Return on Equity (ROE) | 12.6300% | 1,929 |
| Retained earnings to average equity (ytd only) | 11.2200% | 837 |
| Net charge-offs to loans | -0.0156% | 3,967 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.1539% | 3,168 |
| Assets per employee ($millions) | 6.2838% | 2,528 |
| Cash dividends to net income (ytd only)* | 11.1529% | 3,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3802% | 1,571 |
| Loan loss allowance to noncurrent loans | 12,819.2308% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 3,843 |
| Noncurrent loans to loans | 0.0108% | 3,763 |
| Net loans and leases to total assets | 63.1700% | 2,311 |
| Net loans and leases to deposits | 69.5824% | 2,619 |
| Net loans and leases to core deposits | 69.9093% | 2,879 |
| Total domestic deposits to total assets | 90.7800% | 1,030 |
| Equity capital to assets | 8.4092% | 2,768 |
| Core capital (leverage) ratio | 9.5498% | 3,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1742% | 1,575 |
| Memoranda: | ||
| Average total assets | $729,057,400 | 1,274 |
| Average earning assets | $688,274,800 | 1,248 |
| Average equity | $63,190,800 | 1,343 |
| Average total loans | $437,085,400 | 1,301 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3697% | 2,991 |
| Cost of funding earning assets | 0.0684% | 4,486 |
| Net interest margin | 3.3014% | 2,291 |
| Noninterest income to average assets | 1.0100% | 645 |
| Noninterest expense to average assets | 2.5367% | 1,897 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.1673% | 1,828 |
| Return on assets (ROA) | 1.1673% | 1,803 |
| Pretax return on assets | 1.5224% | 1,350 |
| Return on Equity (ROE) | 13.3600% | 1,596 |
| Retained earnings to average equity (ytd only) | 11.9907% | 792 |
| Net charge-offs to loans | -0.0200% | 3,992 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.4917% | 2,901 |
| Assets per employee ($millions) | 6.3992% | 2,406 |
| Cash dividends to net income (ytd only)* | 10.2718% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3858% | 1,657 |
| Loan loss allowance to noncurrent loans | 1,492.4528% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.0543% | 3,342 |
| Noncurrent loans to loans | 0.0929% | 3,217 |
| Net loans and leases to total assets | 57.6800% | 2,735 |
| Net loans and leases to deposits | 63.0130% | 2,943 |
| Net loans and leases to core deposits | 63.3042% | 3,169 |
| Total domestic deposits to total assets | 91.5300% | 1,039 |
| Equity capital to assets | 7.6994% | 3,088 |
| Core capital (leverage) ratio | 9.9504% | 2,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0593% | 1,409 |
| Memoranda: | ||
| Average total assets | $722,808,250 | 1,289 |
| Average earning assets | $682,329,000 | 1,268 |
| Average equity | $63,136,000 | 1,365 |
| Average total loans | $425,612,000 | 1,316 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2481% | 2,901 |
| Cost of funding earning assets | 0.0602% | 4,528 |
| Net interest margin | 3.1879% | 2,231 |
| Noninterest income to average assets | 0.9740% | 711 |
| Noninterest expense to average assets | 2.5444% | 1,797 |
| Loan and lease loss provision to assets | 0.0426% | 1,803 |
| Net operating income to assets | 1.0760% | 1,872 |
| Return on assets (ROA) | 1.0760% | 1,850 |
| Pretax return on assets | 1.3970% | 1,449 |
| Return on Equity (ROE) | 11.8014% | 1,722 |
| Retained earnings to average equity (ytd only) | 10.5231% | 896 |
| Net charge-offs to loans | -0.0154% | 3,771 |
| Credit loss provision to net charge-offs | -468.7500% | 3,368 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8647% | 2,787 |
| Assets per employee ($millions) | 5.8396% | 2,883 |
| Cash dividends to net income (ytd only)* | 10.8322% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3980% | 1,761 |
| Loan loss allowance to noncurrent loans | 634.1667% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.1348% | 2,767 |
| Noncurrent loans to loans | 0.2204% | 2,618 |
| Net loans and leases to total assets | 60.2714% | 2,293 |
| Net loans and leases to deposits | 66.6263% | 2,497 |
| Net loans and leases to core deposits | 66.9416% | 2,747 |
| Total domestic deposits to total assets | 90.4619% | 1,488 |
| Equity capital to assets | 8.7568% | 2,565 |
| Core capital (leverage) ratio | 9.9556% | 2,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0430% | 1,428 |
| Memoranda: | ||
| Average total assets | $703,508,333 | 1,316 |
| Average earning assets | $664,270,333 | 1,299 |
| Average equity | $64,144,667 | 1,373 |
| Average total loans | $415,273,667 | 1,339 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0885% | 3,009 |
| Cost of funding earning assets | 0.0575% | 4,544 |
| Net interest margin | 3.0310% | 2,399 |
| Noninterest income to average assets | 0.9413% | 772 |
| Noninterest expense to average assets | 2.5789% | 1,667 |
| Loan and lease loss provision to assets | 0.0286% | 1,853 |
| Net operating income to assets | 0.9350% | 2,132 |
| Return on assets (ROA) | 0.9350% | 2,123 |
| Pretax return on assets | 1.1976% | 1,823 |
| Return on Equity (ROE) | 10.0517% | 1,950 |
| Retained earnings to average equity (ytd only) | 8.8214% | 1,323 |
| Net charge-offs to loans | -0.0020% | 3,110 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7744% | 2,535 |
| Assets per employee ($millions) | 5.7909% | 3,013 |
| Cash dividends to net income (ytd only)* | 12.2399% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4457% | 1,729 |
| Loan loss allowance to noncurrent loans | 1,004.8904% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.0839% | 3,237 |
| Noncurrent loans to loans | 0.1439% | 3,089 |
| Net loans and leases to total assets | 57.4994% | 2,353 |
| Net loans and leases to deposits | 63.6842% | 2,557 |
| Net loans and leases to core deposits | 64.0205% | 2,794 |
| Total domestic deposits to total assets | 90.2884% | 1,392 |
| Equity capital to assets | 8.9756% | 2,729 |
| Core capital (leverage) ratio | 9.7159% | 2,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6757% | 1,108 |
| Memoranda: | ||
| Average total assets | $699,049,000 | 1,323 |
| Average earning assets | $660,507,500 | 1,315 |
| Average equity | $65,024,000 | 1,402 |
| Average total loans | $405,171,500 | 1,356 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4380% | 2,833 |
| Cost of funding earning assets | 0.0626% | 4,629 |
| Net interest margin | 3.3755% | 2,100 |
| Noninterest income to average assets | 1.0271% | 946 |
| Noninterest expense to average assets | 2.5641% | 1,975 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2631% | 1,709 |
| Return on assets (ROA) | 1.2631% | 1,762 |
| Pretax return on assets | 1.6715% | 1,214 |
| Return on Equity (ROE) | 14.7440% | 1,009 |
| Retained earnings to average equity (ytd only) | 14.1370% | 292 |
| Net charge-offs to loans | -0.0292% | 4,111 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5359% | 3,075 |
| Assets per employee ($millions) | 5.9621% | 2,817 |
| Cash dividends to net income (ytd only)* | 4.1175% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4831% | 1,621 |
| Loan loss allowance to noncurrent loans | 636.3147% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.1342% | 2,998 |
| Noncurrent loans to loans | 0.2331% | 2,795 |
| Net loans and leases to total assets | 56.7158% | 2,516 |
| Net loans and leases to deposits | 63.2434% | 2,759 |
| Net loans and leases to core deposits | 63.5934% | 3,020 |
| Total domestic deposits to total assets | 89.6787% | 1,124 |
| Equity capital to assets | 9.6350% | 3,010 |
| Core capital (leverage) ratio | 9.7328% | 2,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3782% | 982 |
| Memoranda: | ||
| Average total assets | $644,134,600 | 1,372 |
| Average earning assets | $612,273,200 | 1,355 |
| Average equity | $55,181,600 | 1,628 |
| Average total loans | $394,412,200 | 1,394 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4915% | 2,857 |
| Cost of funding earning assets | 0.0644% | 4,717 |
| Net interest margin | 3.4272% | 2,081 |
| Noninterest income to average assets | 1.0236% | 1,029 |
| Noninterest expense to average assets | 2.5750% | 1,912 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2800% | 1,887 |
| Return on assets (ROA) | 1.2800% | 1,944 |
| Pretax return on assets | 1.7047% | 1,393 |
| Return on Equity (ROE) | 15.4691% | 1,049 |
| Retained earnings to average equity (ytd only) | 15.1123% | 383 |
| Net charge-offs to loans | -0.0796% | 4,533 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1675% | 2,962 |
| Assets per employee ($millions) | 5.9179% | 2,772 |
| Cash dividends to net income (ytd only)* | 2.3064% | 3,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5386% | 1,494 |
| Loan loss allowance to noncurrent loans | 434.1499% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.2022% | 2,776 |
| Noncurrent loans to loans | 0.3544% | 2,504 |
| Net loans and leases to total assets | 56.1736% | 2,710 |
| Net loans and leases to deposits | 62.6833% | 2,979 |
| Net loans and leases to core deposits | 63.1051% | 3,213 |
| Total domestic deposits to total assets | 89.6150% | 958 |
| Equity capital to assets | 9.5049% | 3,364 |
| Core capital (leverage) ratio | 9.6994% | 2,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7453% | 855 |
| Memoranda: | ||
| Average total assets | $632,266,750 | 1,410 |
| Average earning assets | $600,712,000 | 1,388 |
| Average equity | $52,318,000 | 1,717 |
| Average total loans | $393,476,500 | 1,425 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5442% | 2,788 |
| Cost of funding earning assets | 0.0666% | 4,759 |
| Net interest margin | 3.4776% | 1,925 |
| Noninterest income to average assets | 1.0505% | 995 |
| Noninterest expense to average assets | 2.6285% | 1,780 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2924% | 1,890 |
| Return on assets (ROA) | 1.2924% | 1,964 |
| Pretax return on assets | 1.7216% | 1,430 |
| Return on Equity (ROE) | 16.5349% | 855 |
| Retained earnings to average equity (ytd only) | 16.1599% | 328 |
| Net charge-offs to loans | -0.1182% | 4,675 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4237% | 2,954 |
| Assets per employee ($millions) | 5.8400% | 2,775 |
| Cash dividends to net income (ytd only)* | 2.2676% | 3,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5442% | 1,440 |
| Loan loss allowance to noncurrent loans | 397.0995% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.2279% | 2,786 |
| Noncurrent loans to loans | 0.3889% | 2,508 |
| Net loans and leases to total assets | 57.6903% | 2,708 |
| Net loans and leases to deposits | 62.9560% | 3,109 |
| Net loans and leases to core deposits | 63.2994% | 3,355 |
| Total domestic deposits to total assets | 91.6360% | 209 |
| Equity capital to assets | 7.5286% | 4,730 |
| Core capital (leverage) ratio | 7.4536% | 4,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5051% | 1,471 |
| Memoranda: | ||
| Average total assets | $614,196,000 | 1,433 |
| Average earning assets | $582,755,000 | 1,419 |
| Average equity | $48,007,667 | 1,830 |
| Average total loans | $394,086,667 | 1,431 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8062% | 2,086 |
| Cost of funding earning assets | 0.0659% | 4,807 |
| Net interest margin | 3.7403% | 1,250 |
| Noninterest income to average assets | 0.9605% | 1,202 |
| Noninterest expense to average assets | 2.6974% | 1,628 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3616% | 1,657 |
| Return on assets (ROA) | 1.3616% | 1,744 |
| Pretax return on assets | 1.8123% | 1,269 |
| Return on Equity (ROE) | 17.0648% | 839 |
| Retained earnings to average equity (ytd only) | 16.6814% | 448 |
| Net charge-offs to loans | -0.2323% | 4,812 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8131% | 3,058 |
| Assets per employee ($millions) | 5.5055% | 3,113 |
| Cash dividends to net income (ytd only)* | 2.2466% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5005% | 1,606 |
| Loan loss allowance to noncurrent loans | 386.3928% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.2440% | 2,912 |
| Noncurrent loans to loans | 0.3883% | 2,702 |
| Net loans and leases to total assets | 61.8783% | 2,298 |
| Net loans and leases to deposits | 67.4613% | 2,757 |
| Net loans and leases to core deposits | 67.9119% | 3,071 |
| Total domestic deposits to total assets | 91.7242% | 194 |
| Equity capital to assets | 7.4769% | 4,718 |
| Core capital (leverage) ratio | 8.1782% | 4,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $588,416,500 | 1,474 |
| Average earning assets | $558,357,000 | 1,448 |
| Average equity | $46,950,500 | 1,860 |
| Average total loans | $396,080,000 | 1,428 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2832% | 1,917 |
| Cost of funding earning assets | 0.1426% | 4,751 |
| Net interest margin | 4.1406% | 725 |
| Noninterest income to average assets | 1.1030% | 873 |
| Noninterest expense to average assets | 3.2551% | 965 |
| Loan and lease loss provision to assets | 0.4662% | 582 |
| Net operating income to assets | 0.9703% | 2,392 |
| Return on assets (ROA) | 0.9703% | 2,542 |
| Pretax return on assets | 1.2858% | 2,028 |
| Return on Equity (ROE) | 10.4695% | 1,821 |
| Retained earnings to average equity (ytd only) | 9.9845% | 588 |
| Net charge-offs to loans | -0.0057% | 4,168 |
| Credit loss provision to net charge-offs | -10,371.4286% | 4,407 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0094% | 2,679 |
| Assets per employee ($millions) | 4.6396% | 3,775 |
| Cash dividends to net income (ytd only)* | 4.6327% | 3,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4812% | 1,651 |
| Loan loss allowance to noncurrent loans | 229.7104% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.4684% | 2,155 |
| Noncurrent loans to loans | 0.6448% | 2,066 |
| Net loans and leases to total assets | 71.5670% | 1,353 |
| Net loans and leases to deposits | 79.1394% | 1,964 |
| Net loans and leases to core deposits | 79.6935% | 2,393 |
| Total domestic deposits to total assets | 90.4316% | 402 |
| Equity capital to assets | 8.5751% | 4,395 |
| Core capital (leverage) ratio | 8.3216% | 4,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $467,171,400 | 1,644 |
| Average earning assets | $440,489,400 | 1,625 |
| Average equity | $43,297,200 | 1,900 |
| Average total loans | $368,111,200 | 1,457 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2388% | 2,283 |
| Cost of funding earning assets | 0.1585% | 4,778 |
| Net interest margin | 4.0803% | 932 |
| Noninterest income to average assets | 1.0253% | 989 |
| Noninterest expense to average assets | 3.2803% | 935 |
| Loan and lease loss provision to assets | 0.6462% | 372 |
| Net operating income to assets | 0.7168% | 3,407 |
| Return on assets (ROA) | 0.7168% | 3,505 |
| Pretax return on assets | 0.9413% | 3,259 |
| Return on Equity (ROE) | 7.5645% | 2,982 |
| Retained earnings to average equity (ytd only) | 7.0636% | 1,661 |
| Net charge-offs to loans | -0.0044% | 4,028 |
| Credit loss provision to net charge-offs | -18,150.0000% | 4,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3879% | 2,268 |
| Assets per employee ($millions) | 4.7324% | 3,559 |
| Cash dividends to net income (ytd only)* | 6.6225% | 3,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3512% | 1,951 |
| Loan loss allowance to noncurrent loans | 362.2807% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.2985% | 2,958 |
| Noncurrent loans to loans | 0.3730% | 2,946 |
| Net loans and leases to total assets | 78.9405% | 717 |
| Net loans and leases to deposits | 86.8087% | 1,609 |
| Net loans and leases to core deposits | 87.2756% | 2,208 |
| Total domestic deposits to total assets | 90.9362% | 187 |
| Equity capital to assets | 8.2667% | 4,593 |
| Core capital (leverage) ratio | 8.1446% | 4,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $449,414,500 | 1,680 |
| Average earning assets | $423,224,500 | 1,661 |
| Average equity | $42,583,750 | 1,905 |
| Average total loans | $362,398,000 | 1,464 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4001% | 2,211 |
| Cost of funding earning assets | 0.1822% | 4,804 |
| Net interest margin | 4.2179% | 886 |
| Noninterest income to average assets | 1.0476% | 905 |
| Noninterest expense to average assets | 3.4293% | 818 |
| Loan and lease loss provision to assets | 0.6072% | 519 |
| Net operating income to assets | 0.7478% | 3,217 |
| Return on assets (ROA) | 0.7478% | 3,332 |
| Pretax return on assets | 0.9811% | 3,081 |
| Return on Equity (ROE) | 7.4876% | 2,939 |
| Retained earnings to average equity (ytd only) | 7.4876% | 1,469 |
| Net charge-offs to loans | -0.0012% | 3,767 |
| Credit loss provision to net charge-offs | -63,900.0000% | 4,338 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3458% | 2,194 |
| Assets per employee ($millions) | 4.6264% | 3,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1557% | 2,750 |
| Loan loss allowance to noncurrent loans | 376.8755% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.2518% | 3,303 |
| Noncurrent loans to loans | 0.3067% | 3,287 |
| Net loans and leases to total assets | 81.1570% | 486 |
| Net loans and leases to deposits | 89.4492% | 1,402 |
| Net loans and leases to core deposits | 89.7905% | 2,085 |
| Total domestic deposits to total assets | 90.7297% | 215 |
| Equity capital to assets | 8.4145% | 4,521 |
| Core capital (leverage) ratio | 8.7375% | 4,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $420,965,333 | 1,748 |
| Average earning assets | $396,218,000 | 1,725 |
| Average equity | $42,042,667 | 1,918 |
| Average total loans | $340,555,333 | 1,509 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8064% | 1,399 |
| Cost of funding earning assets | 0.2656% | 4,740 |
| Net interest margin | 4.5408% | 455 |
| Noninterest income to average assets | 1.1935% | 615 |
| Noninterest expense to average assets | 4.0717% | 472 |
| Loan and lease loss provision to assets | 0.4035% | 753 |
| Net operating income to assets | 0.7420% | 3,122 |
| Return on assets (ROA) | 0.7420% | 3,200 |
| Pretax return on assets | 0.9704% | 2,932 |
| Return on Equity (ROE) | 6.7055% | 3,065 |
| Retained earnings to average equity (ytd only) | 6.7055% | 1,644 |
| Net charge-offs to loans | 0.0067% | 2,336 |
| Credit loss provision to net charge-offs | 7,560.0000% | 97 |
| Earnings coverage of net charge-offs (x) | 257.4000% | 271 |
| Efficiency ratio | 74.7697% | 1,714 |
| Assets per employee ($millions) | 3.4402% | 4,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3168% | 2,068 |
| Loan loss allowance to noncurrent loans | 322.4390% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.3325% | 3,111 |
| Noncurrent loans to loans | 0.4084% | 3,030 |
| Net loans and leases to total assets | 77.1380% | 1,110 |
| Net loans and leases to deposits | 87.5002% | 1,808 |
| Net loans and leases to core deposits | 87.8634% | 2,533 |
| Total domestic deposits to total assets | 88.1575% | 1,037 |
| Equity capital to assets | 10.8119% | 3,043 |
| Core capital (leverage) ratio | 11.1486% | 2,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $374,681,500 | 1,876 |
| Average earning assets | $350,863,500 | 1,849 |
| Average equity | $41,458,500 | 1,935 |
| Average total loans | $300,012,500 | 1,646 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9202% | 1,698 |
| Cost of funding earning assets | 0.3456% | 4,607 |
| Net interest margin | 4.5746% | 603 |
| Noninterest income to average assets | 1.1825% | 675 |
| Noninterest expense to average assets | 3.9129% | 588 |
| Loan and lease loss provision to assets | 0.0690% | 2,631 |
| Net operating income to assets | 1.1030% | 2,433 |
| Return on assets (ROA) | 1.1030% | 2,531 |
| Pretax return on assets | 1.4463% | 1,991 |
| Return on Equity (ROE) | 9.6699% | 2,447 |
| Retained earnings to average equity (ytd only) | 9.6699% | 554 |
| Net charge-offs to loans | -0.0650% | 4,874 |
| Credit loss provision to net charge-offs | -132.7684% | 4,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0573% | 1,858 |
| Assets per employee ($millions) | 3.3097% | 4,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2020% | 2,428 |
| Loan loss allowance to noncurrent loans | 222.5527% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.4433% | 2,630 |
| Noncurrent loans to loans | 0.5401% | 2,557 |
| Net loans and leases to total assets | 81.0998% | 662 |
| Net loans and leases to deposits | 92.7346% | 1,288 |
| Net loans and leases to core deposits | 93.3102% | 2,129 |
| Total domestic deposits to total assets | 87.4536% | 1,385 |
| Equity capital to assets | 11.3329% | 2,675 |
| Core capital (leverage) ratio | 11.1338% | 2,388 |
| Tier 1 risk-based capital ratio | 13.8022% | 3,363 |
| Total risk-based capital ratio | 15.0345% | 3,281 |
| Memoranda: | ||
| Average total assets | $340,721,400 | 1,943 |
| Average earning assets | $316,226,800 | 1,938 |
| Average equity | $38,862,800 | 1,982 |
| Average total loans | $272,264,600 | 1,720 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8567% | 1,948 |
| Cost of funding earning assets | 0.3477% | 4,665 |
| Net interest margin | 4.5089% | 754 |
| Noninterest income to average assets | 1.1566% | 684 |
| Noninterest expense to average assets | 3.8595% | 618 |
| Loan and lease loss provision to assets | 0.0816% | 2,277 |
| Net operating income to assets | 1.0535% | 2,773 |
| Return on assets (ROA) | 1.0535% | 2,858 |
| Pretax return on assets | 1.3919% | 2,342 |
| Return on Equity (ROE) | 9.2200% | 2,795 |
| Retained earnings to average equity (ytd only) | 9.2200% | 984 |
| Net charge-offs to loans | -0.0497% | 4,834 |
| Credit loss provision to net charge-offs | -207.0707% | 4,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3330% | 1,785 |
| Assets per employee ($millions) | 3.4308% | 4,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2378% | 2,300 |
| Loan loss allowance to noncurrent loans | 168.5535% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.5738% | 2,287 |
| Noncurrent loans to loans | 0.7344% | 2,127 |
| Net loans and leases to total assets | 77.1664% | 1,288 |
| Net loans and leases to deposits | 87.6930% | 1,977 |
| Net loans and leases to core deposits | 88.2406% | 2,707 |
| Total domestic deposits to total assets | 87.9961% | 1,037 |
| Equity capital to assets | 11.1500% | 2,969 |
| Core capital (leverage) ratio | 11.1172% | 2,546 |
| Tier 1 risk-based capital ratio | 14.4233% | 3,121 |
| Total risk-based capital ratio | 15.6737% | 3,029 |
| Memoranda: | ||
| Average total assets | $334,885,750 | 1,972 |
| Average earning assets | $310,191,750 | 1,972 |
| Average equity | $38,263,750 | 2,016 |
| Average total loans | $265,619,000 | 1,760 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8270% | 1,979 |
| Cost of funding earning assets | 0.3397% | 4,718 |
| Net interest margin | 4.4873% | 790 |
| Noninterest income to average assets | 1.0949% | 711 |
| Noninterest expense to average assets | 3.9413% | 577 |
| Loan and lease loss provision to assets | 0.0674% | 2,466 |
| Net operating income to assets | 0.9417% | 3,121 |
| Return on assets (ROA) | 0.9417% | 3,188 |
| Pretax return on assets | 1.2382% | 2,792 |
| Return on Equity (ROE) | 8.1691% | 3,221 |
| Retained earnings to average equity (ytd only) | 8.1691% | 1,328 |
| Net charge-offs to loans | -0.0691% | 4,919 |
| Credit loss provision to net charge-offs | -122.2222% | 3,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0934% | 1,504 |
| Assets per employee ($millions) | 3.4026% | 4,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2527% | 2,234 |
| Loan loss allowance to noncurrent loans | 199.6456% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 0.4878% | 2,591 |
| Noncurrent loans to loans | 0.6275% | 2,377 |
| Net loans and leases to total assets | 76.7680% | 1,425 |
| Net loans and leases to deposits | 87.3312% | 2,080 |
| Net loans and leases to core deposits | 88.1215% | 2,784 |
| Total domestic deposits to total assets | 87.9044% | 1,143 |
| Equity capital to assets | 11.2384% | 2,822 |
| Core capital (leverage) ratio | 11.4439% | 2,214 |
| Tier 1 risk-based capital ratio | 14.6173% | 3,013 |
| Total risk-based capital ratio | 15.8679% | 2,934 |
| Memoranda: | ||
| Average total assets | $326,436,670 | 2,016 |
| Average earning assets | $302,053,670 | 2,026 |
| Average equity | $37,629,670 | 2,036 |
| Average total loans | $260,337,670 | 1,793 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7097% | 2,192 |
| Cost of funding earning assets | 0.3308% | 4,739 |
| Net interest margin | 4.3789% | 945 |
| Noninterest income to average assets | 0.9123% | 1,019 |
| Noninterest expense to average assets | 4.2098% | 400 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5732% | 4,322 |
| Return on assets (ROA) | 0.5732% | 4,354 |
| Pretax return on assets | 0.7390% | 4,197 |
| Return on Equity (ROE) | 4.9050% | 4,345 |
| Retained earnings to average equity (ytd only) | 4.9050% | 2,948 |
| Net charge-offs to loans | -0.1315% | 5,093 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0422% | 640 |
| Assets per employee ($millions) | 3.1650% | 4,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2596% | 2,274 |
| Loan loss allowance to noncurrent loans | 247.6480% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.4083% | 2,952 |
| Noncurrent loans to loans | 0.5086% | 2,787 |
| Net loans and leases to total assets | 79.2571% | 950 |
| Net loans and leases to deposits | 90.4188% | 1,578 |
| Net loans and leases to core deposits | 99.2259% | 1,691 |
| Total domestic deposits to total assets | 87.6555% | 1,494 |
| Equity capital to assets | 11.5667% | 2,336 |
| Core capital (leverage) ratio | 11.9656% | 1,797 |
| Tier 1 risk-based capital ratio | 14.7796% | 2,974 |
| Total risk-based capital ratio | 16.0301% | 2,908 |
| Memoranda: | ||
| Average total assets | $316,121,000 | 2,089 |
| Average earning assets | $291,396,000 | 2,103 |
| Average equity | $36,942,000 | 2,062 |
| Average total loans | $255,598,000 | 1,827 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5888% | 2,162 |
| Cost of funding earning assets | 0.2137% | 4,951 |
| Net interest margin | 4.3751% | 993 |
| Noninterest income to average assets | 1.4949% | 412 |
| Noninterest expense to average assets | 4.0814% | 480 |
| Loan and lease loss provision to assets | 0.1928% | 988 |
| Net operating income to assets | 0.9694% | 3,142 |
| Return on assets (ROA) | 0.9694% | 3,141 |
| Pretax return on assets | 1.2686% | 2,625 |
| Return on Equity (ROE) | 7.8613% | 3,496 |
| Retained earnings to average equity (ytd only) | 7.8613% | 1,298 |
| Net charge-offs to loans | 0.0065% | 3,463 |
| Credit loss provision to net charge-offs | 3,950.0000% | 131 |
| Earnings coverage of net charge-offs (x) | 299.3571% | 328 |
| Efficiency ratio | 73.6081% | 1,682 |
| Assets per employee ($millions) | 2.9190% | 5,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2616% | 2,242 |
| Loan loss allowance to noncurrent loans | 232.9670% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.8368% | 1,667 |
| Noncurrent loans to loans | 0.5415% | 2,652 |
| Net loans and leases to total assets | 80.4385% | 873 |
| Net loans and leases to deposits | 92.1943% | 1,522 |
| Net loans and leases to core deposits | 99.4840% | 1,756 |
| Total domestic deposits to total assets | 87.2489% | 1,664 |
| Equity capital to assets | 11.8106% | 2,023 |
| Core capital (leverage) ratio | 12.1146% | 1,659 |
| Tier 1 risk-based capital ratio | 15.0461% | 2,810 |
| Total risk-based capital ratio | 16.2969% | 2,739 |
| Memoranda: | ||
| Average total assets | $286,765,600 | 2,225 |
| Average earning assets | $265,318,200 | 2,224 |
| Average equity | $35,363,200 | 2,058 |
| Average total loans | $215,637,600 | 2,062 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4833% | 2,358 |
| Cost of funding earning assets | 0.1977% | 5,025 |
| Net interest margin | 4.2856% | 1,151 |
| Noninterest income to average assets | 1.4727% | 438 |
| Noninterest expense to average assets | 3.9083% | 585 |
| Loan and lease loss provision to assets | 0.1413% | 1,413 |
| Net operating income to assets | 1.0544% | 2,854 |
| Return on assets (ROA) | 1.0544% | 2,865 |
| Pretax return on assets | 1.3921% | 2,255 |
| Return on Equity (ROE) | 8.4519% | 3,353 |
| Retained earnings to average equity (ytd only) | 8.4519% | 1,445 |
| Net charge-offs to loans | 0.0142% | 2,916 |
| Credit loss provision to net charge-offs | 1,354.5455% | 300 |
| Earnings coverage of net charge-offs (x) | 146.9676% | 553 |
| Efficiency ratio | 71.7946% | 1,921 |
| Assets per employee ($millions) | 2.9670% | 5,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2698% | 2,258 |
| Loan loss allowance to noncurrent loans | 229.7872% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.8436% | 1,754 |
| Noncurrent loans to loans | 0.5526% | 2,726 |
| Net loans and leases to total assets | 74.9173% | 1,829 |
| Net loans and leases to deposits | 85.9441% | 2,375 |
| Net loans and leases to core deposits | 93.5689% | 2,340 |
| Total domestic deposits to total assets | 87.1699% | 1,659 |
| Equity capital to assets | 11.8937% | 1,975 |
| Core capital (leverage) ratio | 12.5991% | 1,456 |
| Tier 1 risk-based capital ratio | 16.2693% | 2,349 |
| Total risk-based capital ratio | 17.5202% | 2,286 |
| Memoranda: | ||
| Average total assets | $281,104,750 | 2,271 |
| Average earning assets | $260,340,250 | 2,272 |
| Average equity | $35,068,250 | 2,074 |
| Average total loans | $206,531,000 | 2,132 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4309% | 2,317 |
| Cost of funding earning assets | 0.1894% | 5,078 |
| Net interest margin | 4.2415% | 1,187 |
| Noninterest income to average assets | 1.4639% | 445 |
| Noninterest expense to average assets | 3.8572% | 636 |
| Loan and lease loss provision to assets | 0.1263% | 1,568 |
| Net operating income to assets | 1.0850% | 2,644 |
| Return on assets (ROA) | 1.0850% | 2,652 |
| Pretax return on assets | 1.4201% | 2,085 |
| Return on Equity (ROE) | 8.5501% | 3,232 |
| Retained earnings to average equity (ytd only) | 8.5501% | 1,378 |
| Net charge-offs to loans | 0.0312% | 2,230 |
| Credit loss provision to net charge-offs | 558.0645% | 662 |
| Earnings coverage of net charge-offs (x) | 68.3226% | 925 |
| Efficiency ratio | 71.3552% | 2,106 |
| Assets per employee ($millions) | 2.8814% | 5,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3428% | 1,977 |
| Loan loss allowance to noncurrent loans | 215.5693% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.9119% | 1,652 |
| Noncurrent loans to loans | 0.6229% | 2,550 |
| Net loans and leases to total assets | 72.4074% | 2,213 |
| Net loans and leases to deposits | 83.6059% | 2,580 |
| Net loans and leases to core deposits | 90.4968% | 2,528 |
| Total domestic deposits to total assets | 86.6056% | 2,014 |
| Equity capital to assets | 12.5232% | 1,523 |
| Core capital (leverage) ratio | 12.9630% | 1,234 |
| Tier 1 risk-based capital ratio | 18.0089% | 1,793 |
| Total risk-based capital ratio | 19.2611% | 1,762 |
| Memoranda: | ||
| Average total assets | $273,929,330 | 2,319 |
| Average earning assets | $254,439,330 | 2,325 |
| Average equity | $34,759,670 | 2,098 |
| Average total loans | $198,828,330 | 2,199 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3725% | 2,284 |
| Cost of funding earning assets | 0.1923% | 5,064 |
| Net interest margin | 4.1802% | 1,214 |
| Noninterest income to average assets | 1.4653% | 439 |
| Noninterest expense to average assets | 3.6751% | 798 |
| Loan and lease loss provision to assets | 0.1142% | 1,655 |
| Net operating income to assets | 1.2013% | 1,997 |
| Return on assets (ROA) | 1.2013% | 2,010 |
| Pretax return on assets | 1.5765% | 1,464 |
| Return on Equity (ROE) | 9.4028% | 2,716 |
| Retained earnings to average equity (ytd only) | 9.4028% | 1,327 |
| Net charge-offs to loans | -0.0164% | 4,457 |
| Credit loss provision to net charge-offs | -962.5000% | 4,160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4632% | 2,758 |
| Assets per employee ($millions) | 3.2356% | 4,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3859% | 1,893 |
| Loan loss allowance to noncurrent loans | 227.2727% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.9060% | 1,752 |
| Noncurrent loans to loans | 0.6098% | 2,717 |
| Net loans and leases to total assets | 69.6822% | 2,533 |
| Net loans and leases to deposits | 81.1906% | 2,670 |
| Net loans and leases to core deposits | 88.6455% | 2,577 |
| Total domestic deposits to total assets | 85.8254% | 2,622 |
| Equity capital to assets | 12.4578% | 1,502 |
| Core capital (leverage) ratio | 13.0731% | 1,156 |
| Tier 1 risk-based capital ratio | 18.8013% | 1,603 |
| Total risk-based capital ratio | 20.0535% | 1,564 |
| Memoranda: | ||
| Average total assets | $269,704,000 | 2,372 |
| Average earning assets | $251,663,500 | 2,364 |
| Average equity | $34,458,000 | 2,125 |
| Average total loans | $194,619,000 | 2,235 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1591% | 2,843 |
| Cost of funding earning assets | 0.1833% | 5,068 |
| Net interest margin | 3.9758% | 1,826 |
| Noninterest income to average assets | 1.5909% | 413 |
| Noninterest expense to average assets | 3.9124% | 607 |
| Loan and lease loss provision to assets | 0.1108% | 2,044 |
| Net operating income to assets | 0.6324% | 3,882 |
| Return on assets (ROA) | 0.6324% | 3,920 |
| Pretax return on assets | 1.2330% | 2,621 |
| Return on Equity (ROE) | 6.3419% | 3,608 |
| Retained earnings to average equity (ytd only) | 6.3419% | 1,361 |
| Net charge-offs to loans | -0.0023% | 4,544 |
| Credit loss provision to net charge-offs | -6,800.0000% | 5,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4345% | 1,840 |
| Assets per employee ($millions) | 3.0723% | 5,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3711% | 1,878 |
| Loan loss allowance to noncurrent loans | 544.5361% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.7157% | 2,181 |
| Noncurrent loans to loans | 0.2518% | 3,881 |
| Net loans and leases to total assets | 72.7458% | 2,126 |
| Net loans and leases to deposits | 85.9021% | 2,275 |
| Net loans and leases to core deposits | 86.7169% | 2,855 |
| Total domestic deposits to total assets | 84.6846% | 2,955 |
| Equity capital to assets | 13.1155% | 1,211 |
| Core capital (leverage) ratio | 13.2133% | 1,070 |
| Tier 1 risk-based capital ratio | 18.5716% | 1,628 |
| Total risk-based capital ratio | 19.8236% | 1,575 |
| Memoranda: | ||
| Average total assets | $245,578,000 | 2,523 |
| Average earning assets | $226,394,800 | 2,535 |
| Average equity | $24,488,000 | 2,712 |
| Average total loans | $174,986,000 | 2,385 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1161% | 2,935 |
| Cost of funding earning assets | 0.1812% | 5,130 |
| Net interest margin | 3.9349% | 1,915 |
| Noninterest income to average assets | 1.6147% | 425 |
| Noninterest expense to average assets | 4.0349% | 494 |
| Loan and lease loss provision to assets | 0.1501% | 1,392 |
| Net operating income to assets | 0.7089% | 3,937 |
| Return on assets (ROA) | 0.7089% | 4,002 |
| Pretax return on assets | 1.0471% | 3,502 |
| Return on Equity (ROE) | 7.7710% | 3,250 |
| Retained earnings to average equity (ytd only) | 7.7710% | 1,312 |
| Net charge-offs to loans | -0.0016% | 4,297 |
| Credit loss provision to net charge-offs | -13,600.0000% | 5,232 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1194% | 1,447 |
| Assets per employee ($millions) | 3.0187% | 5,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4767% | 1,617 |
| Loan loss allowance to noncurrent loans | 460.5585% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.7682% | 2,217 |
| Noncurrent loans to loans | 0.3206% | 3,802 |
| Net loans and leases to total assets | 68.6187% | 2,757 |
| Net loans and leases to deposits | 77.4347% | 3,233 |
| Net loans and leases to core deposits | 78.1486% | 3,618 |
| Total domestic deposits to total assets | 88.6149% | 1,060 |
| Equity capital to assets | 9.0573% | 4,866 |
| Core capital (leverage) ratio | 9.3697% | 4,327 |
| Tier 1 risk-based capital ratio | 13.5831% | 3,646 |
| Total risk-based capital ratio | 14.8368% | 3,568 |
| Memoranda: | ||
| Average total assets | $241,685,250 | 2,567 |
| Average earning assets | $222,176,500 | 2,584 |
| Average equity | $22,047,250 | 2,977 |
| Average total loans | $170,578,500 | 2,429 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0690% | 2,943 |
| Cost of funding earning assets | 0.1787% | 5,150 |
| Net interest margin | 3.8904% | 1,965 |
| Noninterest income to average assets | 1.5622% | 448 |
| Noninterest expense to average assets | 4.2270% | 404 |
| Loan and lease loss provision to assets | 0.1487% | 1,365 |
| Net operating income to assets | 0.5188% | 4,659 |
| Return on assets (ROA) | 0.5188% | 4,689 |
| Pretax return on assets | 0.7553% | 4,421 |
| Return on Equity (ROE) | 5.6721% | 4,193 |
| Retained earnings to average equity (ytd only) | 5.6721% | 2,312 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3481% | 972 |
| Assets per employee ($millions) | 2.8164% | 5,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4669% | 1,695 |
| Loan loss allowance to noncurrent loans | 149.6466% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 1.4888% | 1,031 |
| Noncurrent loans to loans | 0.9802% | 2,002 |
| Net loans and leases to total assets | 70.4710% | 2,451 |
| Net loans and leases to deposits | 79.5499% | 2,962 |
| Net loans and leases to core deposits | 80.4346% | 3,387 |
| Total domestic deposits to total assets | 88.5871% | 1,161 |
| Equity capital to assets | 9.1116% | 4,790 |
| Core capital (leverage) ratio | 9.2567% | 4,422 |
| Tier 1 risk-based capital ratio | 13.2559% | 3,833 |
| Total risk-based capital ratio | 14.5099% | 3,745 |
| Memoranda: | ||
| Average total assets | $236,717,330 | 2,625 |
| Average earning assets | $217,152,670 | 2,638 |
| Average equity | $21,649,670 | 3,015 |
| Average total loans | $167,869,000 | 2,466 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9946% | 3,058 |
| Cost of funding earning assets | 0.1756% | 5,190 |
| Net interest margin | 3.8190% | 2,048 |
| Noninterest income to average assets | 1.4874% | 490 |
| Noninterest expense to average assets | 4.0843% | 491 |
| Loan and lease loss provision to assets | 0.1368% | 1,394 |
| Net operating income to assets | 0.5334% | 4,450 |
| Return on assets (ROA) | 0.5334% | 4,492 |
| Pretax return on assets | 0.7608% | 4,244 |
| Return on Equity (ROE) | 5.8209% | 3,995 |
| Retained earnings to average equity (ytd only) | 5.8209% | 2,429 |
| Net charge-offs to loans | 0.0073% | 2,717 |
| Credit loss provision to net charge-offs | 2,666.6667% | 126 |
| Earnings coverage of net charge-offs (x) | 175.0000% | 319 |
| Efficiency ratio | 81.9492% | 1,165 |
| Assets per employee ($millions) | 2.8608% | 5,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4299% | 1,946 |
| Loan loss allowance to noncurrent loans | 135.4409% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 1.5667% | 1,001 |
| Noncurrent loans to loans | 1.0558% | 1,941 |
| Net loans and leases to total assets | 70.8937% | 2,238 |
| Net loans and leases to deposits | 80.6021% | 2,671 |
| Net loans and leases to core deposits | 81.2883% | 3,164 |
| Total domestic deposits to total assets | 87.9552% | 1,741 |
| Equity capital to assets | 9.1031% | 4,708 |
| Core capital (leverage) ratio | 9.3384% | 4,291 |
| Tier 1 risk-based capital ratio | 13.1234% | 4,011 |
| Total risk-based capital ratio | 14.3768% | 3,911 |
| Memoranda: | ||
| Average total assets | $233,971,500 | 2,671 |
| Average earning assets | $214,089,000 | 2,687 |
| Average equity | $21,440,000 | 3,039 |
| Average total loans | $165,189,500 | 2,509 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9856% | 3,246 |
| Cost of funding earning assets | 0.1648% | 5,317 |
| Net interest margin | 3.8208% | 2,244 |
| Noninterest income to average assets | 1.6753% | 429 |
| Noninterest expense to average assets | 4.2263% | 476 |
| Loan and lease loss provision to assets | 0.0591% | 3,206 |
| Net operating income to assets | 0.5569% | 4,407 |
| Return on assets (ROA) | 0.5604% | 4,491 |
| Pretax return on assets | 0.8656% | 3,956 |
| Return on Equity (ROE) | 5.8931% | 4,035 |
| Retained earnings to average equity (ytd only) | 5.8931% | 1,774 |
| Net charge-offs to loans | -0.0904% | 5,558 |
| Credit loss provision to net charge-offs | -94.2029% | 4,891 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0987% | 1,193 |
| Assets per employee ($millions) | 2.6802% | 5,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4818% | 1,747 |
| Loan loss allowance to noncurrent loans | 139.5280% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 1.7167% | 894 |
| Noncurrent loans to loans | 1.0620% | 1,954 |
| Net loans and leases to total assets | 68.2168% | 2,738 |
| Net loans and leases to deposits | 79.8855% | 2,903 |
| Net loans and leases to core deposits | 80.6063% | 3,342 |
| Total domestic deposits to total assets | 85.3932% | 2,882 |
| Equity capital to assets | 9.2258% | 4,551 |
| Core capital (leverage) ratio | 9.2253% | 4,444 |
| Tier 1 risk-based capital ratio | 13.8979% | 3,519 |
| Total risk-based capital ratio | 15.1522% | 3,435 |
| Memoranda: | ||
| Average total assets | $219,840,000 | 2,763 |
| Average earning assets | $199,670,800 | 2,796 |
| Average equity | $20,905,800 | 3,076 |
| Average total loans | $152,660,600 | 2,609 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9910% | 3,259 |
| Cost of funding earning assets | 0.1644% | 5,389 |
| Net interest margin | 3.8266% | 2,241 |
| Noninterest income to average assets | 1.7491% | 417 |
| Noninterest expense to average assets | 4.2809% | 455 |
| Loan and lease loss provision to assets | 0.0798% | 2,618 |
| Net operating income to assets | 0.5509% | 4,494 |
| Return on assets (ROA) | 0.5556% | 4,582 |
| Pretax return on assets | 0.8675% | 4,086 |
| Return on Equity (ROE) | 5.7967% | 4,169 |
| Retained earnings to average equity (ytd only) | 5.7967% | 2,303 |
| Net charge-offs to loans | -0.0521% | 5,386 |
| Credit loss provision to net charge-offs | -220.3390% | 4,890 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9614% | 1,195 |
| Assets per employee ($millions) | 2.6043% | 5,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4820% | 1,829 |
| Loan loss allowance to noncurrent loans | 83.6443% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 2.2830% | 630 |
| Noncurrent loans to loans | 1.7718% | 1,170 |
| Net loans and leases to total assets | 66.3106% | 3,069 |
| Net loans and leases to deposits | 78.4141% | 3,144 |
| Net loans and leases to core deposits | 79.1323% | 3,537 |
| Total domestic deposits to total assets | 84.5647% | 3,004 |
| Equity capital to assets | 9.2994% | 4,864 |
| Core capital (leverage) ratio | 9.2466% | 4,539 |
| Tier 1 risk-based capital ratio | 13.6869% | 3,756 |
| Total risk-based capital ratio | 14.9417% | 3,668 |
| Memoranda: | ||
| Average total assets | $217,176,000 | 2,793 |
| Average earning assets | $197,038,500 | 2,828 |
| Average equity | $20,816,000 | 3,111 |
| Average total loans | $150,925,250 | 2,629 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9035% | 3,596 |
| Cost of funding earning assets | 0.1667% | 5,440 |
| Net interest margin | 3.7368% | 2,565 |
| Noninterest income to average assets | 1.7610% | 413 |
| Noninterest expense to average assets | 4.3373% | 434 |
| Loan and lease loss provision to assets | 0.0873% | 2,400 |
| Net operating income to assets | 0.4757% | 4,782 |
| Return on assets (ROA) | 0.4832% | 4,848 |
| Pretax return on assets | 0.7327% | 4,525 |
| Return on Equity (ROE) | 4.9877% | 4,524 |
| Retained earnings to average equity (ytd only) | 4.9877% | 2,750 |
| Net charge-offs to loans | -0.0294% | 5,111 |
| Credit loss provision to net charge-offs | -422.7273% | 4,900 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2479% | 1,024 |
| Assets per employee ($millions) | 2.5842% | 5,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4101% | 2,245 |
| Loan loss allowance to noncurrent loans | 84.6861% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 2.3767% | 617 |
| Noncurrent loans to loans | 1.6651% | 1,277 |
| Net loans and leases to total assets | 71.2469% | 2,293 |
| Net loans and leases to deposits | 83.8466% | 2,486 |
| Net loans and leases to core deposits | 84.6525% | 3,020 |
| Total domestic deposits to total assets | 84.9730% | 2,895 |
| Equity capital to assets | 9.6619% | 4,602 |
| Core capital (leverage) ratio | 9.6110% | 4,051 |
| Tier 1 risk-based capital ratio | 13.3451% | 3,991 |
| Total risk-based capital ratio | 14.5991% | 3,904 |
| Memoranda: | ||
| Average total assets | $213,176,000 | 2,852 |
| Average earning assets | $193,106,670 | 2,898 |
| Average equity | $20,650,670 | 3,128 |
| Average total loans | $149,815,670 | 2,649 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8195% | 3,874 |
| Cost of funding earning assets | 0.1734% | 5,440 |
| Net interest margin | 3.6461% | 2,905 |
| Noninterest income to average assets | 1.5490% | 485 |
| Noninterest expense to average assets | 4.3952% | 425 |
| Loan and lease loss provision to assets | 0.0701% | 2,548 |
| Net operating income to assets | 0.2746% | 5,366 |
| Return on assets (ROA) | 0.2746% | 5,442 |
| Pretax return on assets | 0.3882% | 5,333 |
| Return on Equity (ROE) | 2.8307% | 5,287 |
| Retained earnings to average equity (ytd only) | 2.8307% | 4,096 |
| Net charge-offs to loans | -0.0711% | 5,505 |
| Credit loss provision to net charge-offs | -142.3077% | 4,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5189% | 640 |
| Assets per employee ($millions) | 2.6734% | 5,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4495% | 2,208 |
| Loan loss allowance to noncurrent loans | 70.4501% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 2.4834% | 599 |
| Noncurrent loans to loans | 2.0574% | 1,029 |
| Net loans and leases to total assets | 66.9936% | 2,809 |
| Net loans and leases to deposits | 78.5755% | 2,941 |
| Net loans and leases to core deposits | 79.3083% | 3,384 |
| Total domestic deposits to total assets | 85.2601% | 3,014 |
| Equity capital to assets | 9.3935% | 4,774 |
| Core capital (leverage) ratio | 9.6650% | 3,953 |
| Tier 1 risk-based capital ratio | 13.9044% | 3,752 |
| Total risk-based capital ratio | 15.1600% | 3,680 |
| Memoranda: | ||
| Average total assets | $211,229,500 | 2,883 |
| Average earning assets | $191,440,000 | 2,916 |
| Average equity | $20,489,500 | 3,151 |
| Average total loans | $146,290,000 | 2,701 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9514% | 3,519 |
| Cost of funding earning assets | 0.1908% | 5,361 |
| Net interest margin | 3.7606% | 2,522 |
| Noninterest income to average assets | 1.8429% | 400 |
| Noninterest expense to average assets | 4.5927% | 387 |
| Loan and lease loss provision to assets | 0.0946% | 2,427 |
| Net operating income to assets | 0.4158% | 5,003 |
| Return on assets (ROA) | 0.4158% | 5,086 |
| Pretax return on assets | 0.5358% | 5,028 |
| Return on Equity (ROE) | 3.9976% | 4,947 |
| Retained earnings to average equity (ytd only) | 3.9976% | 3,181 |
| Net charge-offs to loans | -0.2395% | 5,982 |
| Credit loss provision to net charge-offs | -57.5949% | 5,062 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8905% | 838 |
| Assets per employee ($millions) | 2.4487% | 5,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4607% | 2,178 |
| Loan loss allowance to noncurrent loans | 65.3882% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 2.7774% | 512 |
| Noncurrent loans to loans | 2.2339% | 876 |
| Net loans and leases to total assets | 69.6025% | 2,432 |
| Net loans and leases to deposits | 82.2010% | 2,565 |
| Net loans and leases to core deposits | 83.1646% | 3,035 |
| Total domestic deposits to total assets | 84.6736% | 3,224 |
| Equity capital to assets | 10.0308% | 3,922 |
| Core capital (leverage) ratio | 9.5980% | 4,048 |
| Tier 1 risk-based capital ratio | 14.2006% | 3,607 |
| Total risk-based capital ratio | 15.4571% | 3,517 |
| Memoranda: | ||
| Average total assets | $192,412,000 | 3,018 |
| Average earning assets | $172,951,600 | 3,079 |
| Average equity | $20,012,000 | 3,165 |
| Average total loans | $131,918,200 | 2,859 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9168% | 3,695 |
| Cost of funding earning assets | 0.1933% | 5,438 |
| Net interest margin | 3.7235% | 2,670 |
| Noninterest income to average assets | 1.8506% | 400 |
| Noninterest expense to average assets | 4.5410% | 398 |
| Loan and lease loss provision to assets | 0.0914% | 2,343 |
| Net operating income to assets | 0.3922% | 5,191 |
| Return on assets (ROA) | 0.3922% | 5,283 |
| Pretax return on assets | 0.5623% | 5,061 |
| Return on Equity (ROE) | 3.7352% | 5,132 |
| Retained earnings to average equity (ytd only) | 3.7352% | 3,817 |
| Net charge-offs to loans | -0.2697% | 6,063 |
| Credit loss provision to net charge-offs | -49.8084% | 4,968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3765% | 903 |
| Assets per employee ($millions) | 2.4156% | 5,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5056% | 2,133 |
| Loan loss allowance to noncurrent loans | 56.7275% | 4,785 |
| Noncurrent assets plus other real estate owned to assets | 2.8910% | 545 |
| Noncurrent loans to loans | 2.6541% | 737 |
| Net loans and leases to total assets | 64.1578% | 3,285 |
| Net loans and leases to deposits | 76.3697% | 3,261 |
| Net loans and leases to core deposits | 77.3962% | 3,660 |
| Total domestic deposits to total assets | 84.0096% | 3,421 |
| Equity capital to assets | 9.9591% | 4,206 |
| Core capital (leverage) ratio | 9.7049% | 4,028 |
| Tier 1 risk-based capital ratio | 15.1053% | 3,244 |
| Total risk-based capital ratio | 16.3644% | 3,175 |
| Memoranda: | ||
| Average total assets | $189,704,000 | 3,081 |
| Average earning assets | $170,373,750 | 3,143 |
| Average equity | $19,918,250 | 3,207 |
| Average total loans | $129,007,750 | 2,921 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8662% | 3,812 |
| Cost of funding earning assets | 0.1999% | 5,433 |
| Net interest margin | 3.6663% | 2,853 |
| Noninterest income to average assets | 1.9762% | 378 |
| Noninterest expense to average assets | 4.4597% | 442 |
| Loan and lease loss provision to assets | 0.1122% | 1,960 |
| Net operating income to assets | 0.4749% | 4,870 |
| Return on assets (ROA) | 0.4749% | 4,967 |
| Pretax return on assets | 0.6908% | 4,681 |
| Return on Equity (ROE) | 4.4396% | 4,840 |
| Retained earnings to average equity (ytd only) | 4.4396% | 3,184 |
| Net charge-offs to loans | -0.1016% | 5,798 |
| Credit loss provision to net charge-offs | -160.0000% | 4,987 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7006% | 1,188 |
| Assets per employee ($millions) | 2.4440% | 6,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3609% | 2,926 |
| Loan loss allowance to noncurrent loans | 44.9213% | 5,142 |
| Noncurrent assets plus other real estate owned to assets | 3.2961% | 462 |
| Noncurrent loans to loans | 3.0294% | 653 |
| Net loans and leases to total assets | 66.4091% | 2,887 |
| Net loans and leases to deposits | 78.9219% | 2,916 |
| Net loans and leases to core deposits | 79.8996% | 3,396 |
| Total domestic deposits to total assets | 84.1453% | 3,500 |
| Equity capital to assets | 10.3916% | 3,570 |
| Core capital (leverage) ratio | 10.0999% | 3,461 |
| Tier 1 risk-based capital ratio | 14.8478% | 3,449 |
| Total risk-based capital ratio | 16.0998% | 3,380 |
| Memoranda: | ||
| Average total assets | $185,302,330 | 3,161 |
| Average earning assets | $166,107,670 | 3,218 |
| Average equity | $19,821,670 | 3,231 |
| Average total loans | $127,953,000 | 2,951 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8188% | 3,937 |
| Cost of funding earning assets | 0.2139% | 5,375 |
| Net interest margin | 3.6049% | 2,979 |
| Noninterest income to average assets | 1.8301% | 407 |
| Noninterest expense to average assets | 4.4958% | 429 |
| Loan and lease loss provision to assets | 0.1720% | 1,145 |
| Net operating income to assets | 0.2955% | 5,438 |
| Return on assets (ROA) | 0.2955% | 5,535 |
| Pretax return on assets | 0.3947% | 5,443 |
| Return on Equity (ROE) | 2.7207% | 5,466 |
| Retained earnings to average equity (ytd only) | 2.7207% | 4,318 |
| Net charge-offs to loans | -0.0315% | 5,285 |
| Credit loss provision to net charge-offs | -780.0000% | 4,928 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7631% | 958 |
| Assets per employee ($millions) | 2.3998% | 6,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2988% | 3,409 |
| Loan loss allowance to noncurrent loans | 36.0393% | 5,402 |
| Noncurrent assets plus other real estate owned to assets | 3.8347% | 403 |
| Noncurrent loans to loans | 3.6040% | 515 |
| Net loans and leases to total assets | 68.4877% | 2,368 |
| Net loans and leases to deposits | 82.2494% | 2,311 |
| Net loans and leases to core deposits | 83.3098% | 2,838 |
| Total domestic deposits to total assets | 83.2683% | 4,091 |
| Equity capital to assets | 10.5730% | 3,459 |
| Core capital (leverage) ratio | 10.2903% | 3,226 |
| Tier 1 risk-based capital ratio | 13.8467% | 4,120 |
| Total risk-based capital ratio | 15.0966% | 4,040 |
| Memoranda: | ||
| Average total assets | $181,414,000 | 3,219 |
| Average earning assets | $162,667,500 | 3,286 |
| Average equity | $19,700,500 | 3,263 |
| Average total loans | $126,934,000 | 2,964 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7313% | 4,702 |
| Cost of funding earning assets | 0.3011% | 4,783 |
| Net interest margin | 3.4303% | 4,064 |
| Noninterest income to average assets | 2.0485% | 327 |
| Noninterest expense to average assets | 4.7099% | 390 |
| Loan and lease loss provision to assets | 0.5767% | 247 |
| Net operating income to assets | -0.0441% | 6,119 |
| Return on assets (ROA) | -0.0441% | 6,128 |
| Pretax return on assets | -0.1361% | 6,158 |
| Return on Equity (ROE) | -0.3983% | 6,126 |
| Retained earnings to average equity (ytd only) | -0.3983% | 5,833 |
| Net charge-offs to loans | 1.0148% | 293 |
| Credit loss provision to net charge-offs | 87.4893% | 2,695 |
| Earnings coverage of net charge-offs (x) | 0.6684% | 4,593 |
| Efficiency ratio | 91.4245% | 745 |
| Assets per employee ($millions) | 2.3111% | 6,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2897% | 3,485 |
| Loan loss allowance to noncurrent loans | 28.0674% | 5,689 |
| Noncurrent assets plus other real estate owned to assets | 3.8339% | 456 |
| Noncurrent loans to loans | 4.5950% | 355 |
| Net loans and leases to total assets | 69.6773% | 2,282 |
| Net loans and leases to deposits | 83.8631% | 2,230 |
| Net loans and leases to core deposits | 85.5988% | 2,726 |
| Total domestic deposits to total assets | 83.0845% | 4,045 |
| Equity capital to assets | 11.1646% | 2,737 |
| Core capital (leverage) ratio | 10.0545% | 3,493 |
| Tier 1 risk-based capital ratio | 14.6208% | 3,710 |
| Total risk-based capital ratio | 15.8721% | 3,638 |
| Memoranda: | ||
| Average total assets | $177,053,600 | 3,241 |
| Average earning assets | $160,104,400 | 3,279 |
| Average equity | $19,581,000 | 3,203 |
| Average total loans | $115,001,600 | 3,123 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6652% | 4,957 |
| Cost of funding earning assets | 0.3231% | 4,639 |
| Net interest margin | 3.3420% | 4,460 |
| Noninterest income to average assets | 2.0630% | 328 |
| Noninterest expense to average assets | 4.6656% | 396 |
| Loan and lease loss provision to assets | 0.6283% | 214 |
| Net operating income to assets | -0.0534% | 6,185 |
| Return on assets (ROA) | -0.0534% | 6,193 |
| Pretax return on assets | -0.2074% | 6,255 |
| Return on Equity (ROE) | -0.4836% | 6,190 |
| Retained earnings to average equity (ytd only) | -0.4836% | 5,873 |
| Net charge-offs to loans | 1.3019% | 202 |
| Credit loss provision to net charge-offs | 75.9310% | 2,674 |
| Earnings coverage of net charge-offs (x) | 0.5086% | 4,368 |
| Efficiency ratio | 91.7258% | 727 |
| Assets per employee ($millions) | 2.3634% | 6,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2718% | 3,795 |
| Loan loss allowance to noncurrent loans | 24.1082% | 5,865 |
| Noncurrent assets plus other real estate owned to assets | 4.1142% | 461 |
| Noncurrent loans to loans | 5.2753% | 316 |
| Net loans and leases to total assets | 63.9645% | 3,177 |
| Net loans and leases to deposits | 77.0809% | 3,062 |
| Net loans and leases to core deposits | 78.6405% | 3,478 |
| Total domestic deposits to total assets | 82.9835% | 4,157 |
| Equity capital to assets | 10.9136% | 3,056 |
| Core capital (leverage) ratio | 9.7829% | 3,952 |
| Tier 1 risk-based capital ratio | 15.4925% | 3,328 |
| Total risk-based capital ratio | 16.7436% | 3,265 |
| Memoranda: | ||
| Average total assets | $177,406,000 | 3,269 |
| Average earning assets | $160,498,250 | 3,297 |
| Average equity | $19,573,750 | 3,214 |
| Average total loans | $112,756,250 | 3,185 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6055% | 5,135 |
| Cost of funding earning assets | 0.3203% | 4,754 |
| Net interest margin | 3.2853% | 4,647 |
| Noninterest income to average assets | 2.1170% | 321 |
| Noninterest expense to average assets | 4.7660% | 363 |
| Loan and lease loss provision to assets | 0.9011% | 128 |
| Net operating income to assets | -0.3102% | 6,375 |
| Return on assets (ROA) | -0.3102% | 6,383 |
| Pretax return on assets | -0.5774% | 6,440 |
| Return on Equity (ROE) | -2.8011% | 6,368 |
| Retained earnings to average equity (ytd only) | -2.8011% | 6,078 |
| Net charge-offs to loans | 1.7804% | 137 |
| Credit loss provision to net charge-offs | 80.1611% | 2,330 |
| Earnings coverage of net charge-offs (x) | 0.2880% | 4,076 |
| Efficiency ratio | 93.6388% | 660 |
| Assets per employee ($millions) | 2.3071% | 6,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3786% | 3,459 |
| Loan loss allowance to noncurrent loans | 25.8172% | 5,882 |
| Noncurrent assets plus other real estate owned to assets | 4.0953% | 509 |
| Noncurrent loans to loans | 5.3398% | 352 |
| Net loans and leases to total assets | 62.3385% | 3,351 |
| Net loans and leases to deposits | 76.0812% | 3,047 |
| Net loans and leases to core deposits | 77.9321% | 3,449 |
| Total domestic deposits to total assets | 81.9368% | 4,667 |
| Equity capital to assets | 10.9377% | 2,939 |
| Core capital (leverage) ratio | 9.9118% | 3,728 |
| Tier 1 risk-based capital ratio | 16.3192% | 2,925 |
| Total risk-based capital ratio | 17.5718% | 2,870 |
| Memoranda: | ||
| Average total assets | $176,668,000 | 3,285 |
| Average earning assets | $159,865,670 | 3,324 |
| Average equity | $19,564,000 | 3,216 |
| Average total loans | $111,550,670 | 3,209 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6345% | 5,054 |
| Cost of funding earning assets | 0.3368% | 4,674 |
| Net interest margin | 3.2977% | 4,545 |
| Noninterest income to average assets | 1.8958% | 368 |
| Noninterest expense to average assets | 4.6089% | 408 |
| Loan and lease loss provision to assets | 0.1476% | 1,648 |
| Net operating income to assets | 0.1294% | 5,969 |
| Return on assets (ROA) | 0.1294% | 6,003 |
| Pretax return on assets | 0.1181% | 6,044 |
| Return on Equity (ROE) | 1.1614% | 6,000 |
| Retained earnings to average equity (ytd only) | 1.1614% | 5,139 |
| Net charge-offs to loans | 0.3166% | 1,119 |
| Credit loss provision to net charge-offs | 73.8636% | 1,962 |
| Earnings coverage of net charge-offs (x) | 1.3295% | 3,122 |
| Efficiency ratio | 94.5505% | 721 |
| Assets per employee ($millions) | 2.2695% | 6,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5662% | 2,853 |
| Loan loss allowance to noncurrent loans | 22.5688% | 6,027 |
| Noncurrent assets plus other real estate owned to assets | 5.0660% | 397 |
| Noncurrent loans to loans | 6.9395% | 226 |
| Net loans and leases to total assets | 60.3640% | 3,497 |
| Net loans and leases to deposits | 74.5107% | 3,004 |
| Net loans and leases to core deposits | 76.3235% | 3,376 |
| Total domestic deposits to total assets | 81.0139% | 5,232 |
| Equity capital to assets | 10.9842% | 2,726 |
| Core capital (leverage) ratio | 10.2702% | 3,199 |
| Tier 1 risk-based capital ratio | 16.7914% | 2,778 |
| Total risk-based capital ratio | 18.0461% | 2,739 |
| Memoranda: | ||
| Average total assets | $176,180,500 | 3,317 |
| Average earning assets | $159,140,000 | 3,355 |
| Average equity | $19,631,000 | 3,210 |
| Average total loans | $111,182,000 | 3,239 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2409% | 3,187 |
| Cost of funding earning assets | 0.4055% | 4,586 |
| Net interest margin | 3.8354% | 2,518 |
| Noninterest income to average assets | 1.8590% | 438 |
| Noninterest expense to average assets | 4.7894% | 412 |
| Loan and lease loss provision to assets | 0.2029% | 1,834 |
| Net operating income to assets | 0.2935% | 5,546 |
| Return on assets (ROA) | 0.2935% | 5,639 |
| Pretax return on assets | 0.3163% | 5,686 |
| Return on Equity (ROE) | 2.6560% | 5,628 |
| Retained earnings to average equity (ytd only) | 2.6560% | 4,358 |
| Net charge-offs to loans | 0.3062% | 2,154 |
| Credit loss provision to net charge-offs | 101.7143% | 2,376 |
| Earnings coverage of net charge-offs (x) | 2.6029% | 4,132 |
| Efficiency ratio | 90.1127% | 1,014 |
| Assets per employee ($millions) | 2.2188% | 6,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5523% | 2,953 |
| Loan loss allowance to noncurrent loans | 17.1786% | 6,212 |
| Noncurrent assets plus other real estate owned to assets | 6.8661% | 247 |
| Noncurrent loans to loans | 9.0363% | 140 |
| Net loans and leases to total assets | 63.9452% | 3,052 |
| Net loans and leases to deposits | 78.4991% | 2,657 |
| Net loans and leases to core deposits | 81.3388% | 2,969 |
| Total domestic deposits to total assets | 81.4598% | 5,052 |
| Equity capital to assets | 11.3066% | 2,332 |
| Core capital (leverage) ratio | 10.2531% | 3,212 |
| Tier 1 risk-based capital ratio | 16.4764% | 2,867 |
| Total risk-based capital ratio | 17.7323% | 2,824 |
| Memoranda: | ||
| Average total assets | $175,470,400 | 3,329 |
| Average earning assets | $157,820,400 | 3,381 |
| Average equity | $19,390,200 | 3,232 |
| Average total loans | $114,307,800 | 3,168 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3115% | 2,937 |
| Cost of funding earning assets | 0.4167% | 4,659 |
| Net interest margin | 3.8948% | 2,293 |
| Noninterest income to average assets | 1.7727% | 494 |
| Noninterest expense to average assets | 4.7427% | 423 |
| Loan and lease loss provision to assets | 0.1825% | 1,994 |
| Net operating income to assets | 0.2719% | 5,704 |
| Return on assets (ROA) | 0.2719% | 5,808 |
| Pretax return on assets | 0.3514% | 5,743 |
| Return on Equity (ROE) | 2.4742% | 5,795 |
| Retained earnings to average equity (ytd only) | 2.4742% | 4,842 |
| Net charge-offs to loans | 0.4193% | 1,526 |
| Credit loss provision to net charge-offs | 66.7590% | 3,138 |
| Earnings coverage of net charge-offs (x) | 1.9529% | 4,173 |
| Efficiency ratio | 89.7819% | 1,012 |
| Assets per employee ($millions) | 2.2797% | 6,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4137% | 3,836 |
| Loan loss allowance to noncurrent loans | 25.0930% | 6,132 |
| Noncurrent assets plus other real estate owned to assets | 4.5839% | 649 |
| Noncurrent loans to loans | 5.6337% | 473 |
| Net loans and leases to total assets | 63.4955% | 3,083 |
| Net loans and leases to deposits | 80.2483% | 2,374 |
| Net loans and leases to core deposits | 83.1580% | 2,748 |
| Total domestic deposits to total assets | 79.1237% | 5,722 |
| Equity capital to assets | 10.9409% | 2,815 |
| Core capital (leverage) ratio | 10.1941% | 3,412 |
| Tier 1 risk-based capital ratio | 16.1104% | 3,127 |
| Total risk-based capital ratio | 17.3637% | 3,090 |
| Memoranda: | ||
| Average total assets | $176,071,250 | 3,348 |
| Average earning assets | $158,393,750 | 3,405 |
| Average equity | $19,345,750 | 3,268 |
| Average total loans | $114,781,500 | 3,169 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3501% | 2,763 |
| Cost of funding earning assets | 0.4313% | 4,646 |
| Net interest margin | 3.9188% | 2,152 |
| Noninterest income to average assets | 1.7779% | 534 |
| Noninterest expense to average assets | 4.8151% | 409 |
| Loan and lease loss provision to assets | 0.2576% | 1,438 |
| Net operating income to assets | 0.2165% | 5,848 |
| Return on assets (ROA) | 0.2165% | 5,981 |
| Pretax return on assets | 0.2257% | 6,037 |
| Return on Equity (ROE) | 1.9680% | 5,968 |
| Retained earnings to average equity (ytd only) | 1.9680% | 5,021 |
| Net charge-offs to loans | 0.6477% | 1,015 |
| Credit loss provision to net charge-offs | 60.7527% | 3,001 |
| Earnings coverage of net charge-offs (x) | 1.1398% | 4,157 |
| Efficiency ratio | 90.7722% | 1,002 |
| Assets per employee ($millions) | 2.1542% | 6,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3658% | 4,186 |
| Loan loss allowance to noncurrent loans | 23.3612% | 6,225 |
| Noncurrent assets plus other real estate owned to assets | 5.0681% | 607 |
| Noncurrent loans to loans | 5.8464% | 505 |
| Net loans and leases to total assets | 66.7566% | 2,458 |
| Net loans and leases to deposits | 83.6530% | 1,846 |
| Net loans and leases to core deposits | 86.9246% | 2,238 |
| Total domestic deposits to total assets | 79.8018% | 5,650 |
| Equity capital to assets | 11.1778% | 2,577 |
| Core capital (leverage) ratio | 10.1056% | 3,362 |
| Tier 1 risk-based capital ratio | 15.6518% | 3,395 |
| Total risk-based capital ratio | 16.9041% | 3,342 |
| Memoranda: | ||
| Average total assets | $175,488,670 | 3,368 |
| Average earning assets | $157,650,330 | 3,438 |
| Average equity | $19,309,330 | 3,293 |
| Average total loans | $114,866,670 | 3,170 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4601% | 2,315 |
| Cost of funding earning assets | 0.4480% | 4,618 |
| Net interest margin | 4.0121% | 1,741 |
| Noninterest income to average assets | 1.8208% | 494 |
| Noninterest expense to average assets | 4.8366% | 409 |
| Loan and lease loss provision to assets | 0.3389% | 986 |
| Net operating income to assets | 0.2214% | 5,815 |
| Return on assets (ROA) | 0.2214% | 5,940 |
| Pretax return on assets | 0.2462% | 5,973 |
| Return on Equity (ROE) | 2.0277% | 5,930 |
| Retained earnings to average equity (ytd only) | 2.0277% | 4,985 |
| Net charge-offs to loans | 0.2071% | 2,180 |
| Credit loss provision to net charge-offs | 254.2373% | 914 |
| Earnings coverage of net charge-offs (x) | 4.3898% | 2,570 |
| Efficiency ratio | 89.1250% | 1,219 |
| Assets per employee ($millions) | 2.1595% | 6,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5936% | 3,422 |
| Loan loss allowance to noncurrent loans | 30.3533% | 6,012 |
| Noncurrent assets plus other real estate owned to assets | 4.5233% | 825 |
| Noncurrent loans to loans | 5.2501% | 713 |
| Net loans and leases to total assets | 63.8147% | 2,745 |
| Net loans and leases to deposits | 79.2445% | 2,179 |
| Net loans and leases to core deposits | 82.2291% | 2,541 |
| Total domestic deposits to total assets | 80.5289% | 5,618 |
| Equity capital to assets | 10.9406% | 3,031 |
| Core capital (leverage) ratio | 10.2249% | 3,114 |
| Tier 1 risk-based capital ratio | 15.9139% | 3,317 |
| Total risk-based capital ratio | 17.1691% | 3,280 |
| Memoranda: | ||
| Average total assets | $177,067,000 | 3,388 |
| Average earning assets | $158,919,000 | 3,452 |
| Average equity | $19,332,500 | 3,332 |
| Average total loans | $113,982,000 | 3,205 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7328% | 2,458 |
| Cost of funding earning assets | 0.5988% | 4,363 |
| Net interest margin | 4.1340% | 1,874 |
| Noninterest income to average assets | 1.2715% | 956 |
| Noninterest expense to average assets | 4.4988% | 583 |
| Loan and lease loss provision to assets | 0.4882% | 1,244 |
| Net operating income to assets | 0.1030% | 6,008 |
| Return on assets (ROA) | 0.1030% | 6,148 |
| Pretax return on assets | 0.0047% | 6,275 |
| Return on Equity (ROE) | 1.0304% | 6,126 |
| Retained earnings to average equity (ytd only) | 1.0304% | 5,358 |
| Net charge-offs to loans | 1.5440% | 569 |
| Credit loss provision to net charge-offs | 46.6370% | 4,768 |
| Earnings coverage of net charge-offs (x) | 0.4708% | 5,253 |
| Efficiency ratio | 90.0093% | 1,071 |
| Assets per employee ($millions) | 2.1858% | 6,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5372% | 3,582 |
| Loan loss allowance to noncurrent loans | 21.3820% | 6,351 |
| Noncurrent assets plus other real estate owned to assets | 5.7503% | 628 |
| Noncurrent loans to loans | 7.1891% | 435 |
| Net loans and leases to total assets | 62.9141% | 3,072 |
| Net loans and leases to deposits | 78.0747% | 2,521 |
| Net loans and leases to core deposits | 81.9961% | 2,775 |
| Total domestic deposits to total assets | 80.5819% | 5,516 |
| Equity capital to assets | 10.8957% | 3,074 |
| Core capital (leverage) ratio | 10.1593% | 3,184 |
| Tier 1 risk-based capital ratio | 15.4675% | 3,443 |
| Total risk-based capital ratio | 16.7214% | 3,407 |
| Memoranda: | ||
| Average total assets | $171,846,000 | 3,427 |
| Average earning assets | $154,643,000 | 3,474 |
| Average equity | $17,177,800 | 3,592 |
| Average total loans | $116,514,600 | 3,151 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7483% | 2,584 |
| Cost of funding earning assets | 0.6318% | 4,347 |
| Net interest margin | 4.1164% | 2,031 |
| Noninterest income to average assets | 1.1696% | 1,111 |
| Noninterest expense to average assets | 4.4445% | 574 |
| Loan and lease loss provision to assets | 0.6192% | 865 |
| Net operating income to assets | -0.0547% | 6,345 |
| Return on assets (ROA) | -0.0547% | 6,461 |
| Pretax return on assets | -0.1861% | 6,536 |
| Return on Equity (ROE) | -0.5606% | 6,468 |
| Retained earnings to average equity (ytd only) | -0.5606% | 6,191 |
| Net charge-offs to loans | 1.4099% | 636 |
| Credit loss provision to net charge-offs | 63.8195% | 4,057 |
| Earnings coverage of net charge-offs (x) | 0.4464% | 5,097 |
| Efficiency ratio | 91.0082% | 962 |
| Assets per employee ($millions) | 2.3371% | 6,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9767% | 2,237 |
| Loan loss allowance to noncurrent loans | 42.7757% | 5,509 |
| Noncurrent assets plus other real estate owned to assets | 4.2274% | 1,124 |
| Noncurrent loans to loans | 4.6210% | 1,011 |
| Net loans and leases to total assets | 64.5176% | 2,927 |
| Net loans and leases to deposits | 78.9413% | 2,539 |
| Net loans and leases to core deposits | 83.4035% | 2,763 |
| Total domestic deposits to total assets | 81.7286% | 5,114 |
| Equity capital to assets | 10.2358% | 4,153 |
| Core capital (leverage) ratio | 9.4788% | 4,302 |
| Tier 1 risk-based capital ratio | 14.1079% | 4,453 |
| Total risk-based capital ratio | 15.3677% | 4,405 |
| Memoranda: | ||
| Average total assets | $170,544,750 | 3,477 |
| Average earning assets | $153,624,250 | 3,522 |
| Average equity | $16,649,500 | 3,710 |
| Average total loans | $117,361,000 | 3,176 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7768% | 2,596 |
| Cost of funding earning assets | 0.6723% | 4,248 |
| Net interest margin | 4.1045% | 2,074 |
| Noninterest income to average assets | 1.1394% | 1,098 |
| Noninterest expense to average assets | 4.5433% | 535 |
| Loan and lease loss provision to assets | 0.8801% | 539 |
| Net operating income to assets | -0.3181% | 6,631 |
| Return on assets (ROA) | -0.3181% | 6,688 |
| Pretax return on assets | -0.5868% | 6,767 |
| Return on Equity (ROE) | -3.3132% | 6,694 |
| Retained earnings to average equity (ytd only) | -3.3132% | 6,500 |
| Net charge-offs to loans | 2.0955% | 385 |
| Credit loss provision to net charge-offs | 60.1449% | 3,791 |
| Earnings coverage of net charge-offs (x) | 0.2005% | 4,974 |
| Efficiency ratio | 93.8124% | 813 |
| Assets per employee ($millions) | 2.2659% | 6,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9043% | 2,547 |
| Loan loss allowance to noncurrent loans | 39.1962% | 5,695 |
| Noncurrent assets plus other real estate owned to assets | 4.5607% | 1,078 |
| Noncurrent loans to loans | 4.8585% | 1,040 |
| Net loans and leases to total assets | 67.7104% | 2,324 |
| Net loans and leases to deposits | 82.2267% | 2,087 |
| Net loans and leases to core deposits | 86.8201% | 2,325 |
| Total domestic deposits to total assets | 82.3460% | 4,997 |
| Equity capital to assets | 10.3308% | 3,904 |
| Core capital (leverage) ratio | 9.4213% | 4,267 |
| Tier 1 risk-based capital ratio | 13.4322% | 4,881 |
| Total risk-based capital ratio | 14.6903% | 4,830 |
| Memoranda: | ||
| Average total assets | $169,745,670 | 3,500 |
| Average earning assets | $152,904,330 | 3,550 |
| Average equity | $16,298,670 | 3,758 |
| Average total loans | $118,538,670 | 3,169 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7308% | 2,927 |
| Cost of funding earning assets | 0.7330% | 4,003 |
| Net interest margin | 3.9978% | 2,520 |
| Noninterest income to average assets | 1.2062% | 988 |
| Noninterest expense to average assets | 4.3705% | 618 |
| Loan and lease loss provision to assets | 0.3420% | 1,832 |
| Net operating income to assets | 0.1335% | 6,166 |
| Return on assets (ROA) | 0.1335% | 6,290 |
| Pretax return on assets | 0.0960% | 6,389 |
| Return on Equity (ROE) | 1.4442% | 6,238 |
| Retained earnings to average equity (ytd only) | 1.4442% | 5,513 |
| Net charge-offs to loans | 1.7442% | 551 |
| Credit loss provision to net charge-offs | 27.9159% | 3,656 |
| Earnings coverage of net charge-offs (x) | 0.3576% | 4,183 |
| Efficiency ratio | 90.7940% | 1,032 |
| Assets per employee ($millions) | 2.2337% | 7,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9173% | 2,629 |
| Loan loss allowance to noncurrent loans | 33.6181% | 5,989 |
| Noncurrent assets plus other real estate owned to assets | 5.3878% | 932 |
| Noncurrent loans to loans | 5.7033% | 916 |
| Net loans and leases to total assets | 70.9038% | 1,592 |
| Net loans and leases to deposits | 86.1796% | 1,399 |
| Net loans and leases to core deposits | 91.4158% | 1,710 |
| Total domestic deposits to total assets | 82.2745% | 5,208 |
| Equity capital to assets | 9.4361% | 4,890 |
| Core capital (leverage) ratio | 8.3075% | 5,863 |
| Tier 1 risk-based capital ratio | 11.5741% | 6,239 |
| Total risk-based capital ratio | 12.8323% | 6,212 |
| Memoranda: | ||
| Average total assets | $170,782,000 | 3,506 |
| Average earning assets | $153,886,500 | 3,552 |
| Average equity | $15,787,000 | 3,847 |
| Average total loans | $119,940,000 | 3,158 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2058% | 2,036 |
| Cost of funding earning assets | 0.8404% | 4,544 |
| Net interest margin | 4.3654% | 1,494 |
| Noninterest income to average assets | 1.1502% | 988 |
| Noninterest expense to average assets | 4.4421% | 615 |
| Loan and lease loss provision to assets | 0.7048% | 1,449 |
| Net operating income to assets | 0.0119% | 6,013 |
| Return on assets (ROA) | 0.0119% | 6,134 |
| Pretax return on assets | -0.0572% | 6,179 |
| Return on Equity (ROE) | 0.1268% | 6,131 |
| Retained earnings to average equity (ytd only) | 0.1268% | 5,775 |
| Net charge-offs to loans | 1.8784% | 765 |
| Credit loss provision to net charge-offs | 52.6035% | 5,360 |
| Earnings coverage of net charge-offs (x) | 0.4833% | 5,466 |
| Efficiency ratio | 87.1603% | 1,423 |
| Assets per employee ($millions) | 2.3519% | 6,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2715% | 1,672 |
| Loan loss allowance to noncurrent loans | 55.3663% | 4,741 |
| Noncurrent assets plus other real estate owned to assets | 3.6739% | 1,599 |
| Noncurrent loans to loans | 4.1027% | 1,512 |
| Net loans and leases to total assets | 66.6967% | 2,644 |
| Net loans and leases to deposits | 81.1228% | 2,335 |
| Net loans and leases to core deposits | 86.6660% | 2,550 |
| Total domestic deposits to total assets | 82.2170% | 5,055 |
| Equity capital to assets | 9.0590% | 5,485 |
| Core capital (leverage) ratio | 8.1859% | 6,026 |
| Tier 1 risk-based capital ratio | 11.5751% | 6,117 |
| Total risk-based capital ratio | 12.8369% | 6,091 |
| Memoranda: | ||
| Average total assets | $167,714,600 | 3,523 |
| Average earning assets | $151,349,600 | 3,566 |
| Average equity | $15,776,400 | 3,760 |
| Average total loans | $119,622,800 | 3,176 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2027% | 2,196 |
| Cost of funding earning assets | 0.8615% | 4,694 |
| Net interest margin | 4.3412% | 1,581 |
| Noninterest income to average assets | 1.1236% | 1,044 |
| Noninterest expense to average assets | 4.4967% | 579 |
| Loan and lease loss provision to assets | 0.4350% | 2,300 |
| Net operating income to assets | 0.1204% | 5,916 |
| Return on assets (ROA) | 0.1204% | 6,027 |
| Pretax return on assets | 0.1108% | 6,074 |
| Return on Equity (ROE) | 1.2675% | 6,008 |
| Retained earnings to average equity (ytd only) | 1.2675% | 5,501 |
| Net charge-offs to loans | 1.6378% | 853 |
| Credit loss provision to net charge-offs | 36.8207% | 5,305 |
| Earnings coverage of net charge-offs (x) | 0.4620% | 5,280 |
| Efficiency ratio | 89.0657% | 1,241 |
| Assets per employee ($millions) | 2.3384% | 7,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3839% | 1,563 |
| Loan loss allowance to noncurrent loans | 39.0197% | 5,681 |
| Noncurrent assets plus other real estate owned to assets | 4.6630% | 1,274 |
| Noncurrent loans to loans | 6.1095% | 900 |
| Net loans and leases to total assets | 66.1679% | 2,864 |
| Net loans and leases to deposits | 81.2005% | 2,496 |
| Net loans and leases to core deposits | 85.7903% | 2,807 |
| Total domestic deposits to total assets | 81.4872% | 5,260 |
| Equity capital to assets | 9.0586% | 5,678 |
| Core capital (leverage) ratio | 8.4367% | 5,795 |
| Tier 1 risk-based capital ratio | 11.9364% | 5,940 |
| Total risk-based capital ratio | 13.1998% | 5,913 |
| Memoranda: | ||
| Average total assets | $166,134,000 | 3,573 |
| Average earning assets | $149,969,000 | 3,602 |
| Average equity | $15,779,000 | 3,777 |
| Average total loans | $119,834,750 | 3,202 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4037% | 1,549 |
| Cost of funding earning assets | 0.8891% | 4,762 |
| Net interest margin | 4.5147% | 1,099 |
| Noninterest income to average assets | 1.1248% | 1,020 |
| Noninterest expense to average assets | 4.6685% | 503 |
| Loan and lease loss provision to assets | 0.5005% | 1,962 |
| Net operating income to assets | 0.0724% | 6,076 |
| Return on assets (ROA) | 0.0724% | 6,156 |
| Pretax return on assets | 0.0233% | 6,236 |
| Return on Equity (ROE) | 0.7495% | 6,137 |
| Retained earnings to average equity (ytd only) | 0.7495% | 5,559 |
| Net charge-offs to loans | 1.2501% | 1,247 |
| Credit loss provision to net charge-offs | 54.3276% | 4,478 |
| Earnings coverage of net charge-offs (x) | 0.5686% | 4,877 |
| Efficiency ratio | 89.7945% | 1,255 |
| Assets per employee ($millions) | 2.1419% | 7,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8666% | 1,020 |
| Loan loss allowance to noncurrent loans | 40.6439% | 5,612 |
| Noncurrent assets plus other real estate owned to assets | 6.0103% | 935 |
| Noncurrent loans to loans | 7.0528% | 728 |
| Net loans and leases to total assets | 71.2102% | 1,957 |
| Net loans and leases to deposits | 86.5224% | 1,712 |
| Net loans and leases to core deposits | 93.1227% | 2,004 |
| Total domestic deposits to total assets | 82.3026% | 5,061 |
| Equity capital to assets | 9.6998% | 4,538 |
| Core capital (leverage) ratio | 8.7230% | 5,186 |
| Tier 1 risk-based capital ratio | 11.8575% | 5,892 |
| Total risk-based capital ratio | 13.1273% | 5,857 |
| Memoranda: | ||
| Average total assets | $163,051,670 | 3,630 |
| Average earning assets | $146,898,330 | 3,668 |
| Average equity | $15,743,000 | 3,777 |
| Average total loans | $120,153,000 | 3,228 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6432% | 987 |
| Cost of funding earning assets | 0.9006% | 4,920 |
| Net interest margin | 4.7425% | 649 |
| Noninterest income to average assets | 0.9584% | 1,436 |
| Noninterest expense to average assets | 4.6696% | 502 |
| Loan and lease loss provision to assets | 0.4902% | 1,792 |
| Net operating income to assets | 0.0980% | 6,100 |
| Return on assets (ROA) | 0.0980% | 6,154 |
| Pretax return on assets | 0.0711% | 6,235 |
| Return on Equity (ROE) | 1.0178% | 6,128 |
| Retained earnings to average equity (ytd only) | 1.0178% | 5,422 |
| Net charge-offs to loans | 1.3703% | 1,004 |
| Credit loss provision to net charge-offs | 48.4262% | 3,787 |
| Earnings coverage of net charge-offs (x) | 0.5545% | 4,205 |
| Efficiency ratio | 89.1753% | 1,401 |
| Assets per employee ($millions) | 2.0087% | 7,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9264% | 978 |
| Loan loss allowance to noncurrent loans | 43.8071% | 5,378 |
| Noncurrent assets plus other real estate owned to assets | 5.7502% | 1,029 |
| Noncurrent loans to loans | 6.6802% | 867 |
| Net loans and leases to total assets | 72.3947% | 1,635 |
| Net loans and leases to deposits | 88.9043% | 1,364 |
| Net loans and leases to core deposits | 95.4887% | 1,714 |
| Total domestic deposits to total assets | 81.4299% | 5,524 |
| Equity capital to assets | 9.6676% | 4,224 |
| Core capital (leverage) ratio | 8.6851% | 5,111 |
| Tier 1 risk-based capital ratio | 11.4659% | 6,128 |
| Total risk-based capital ratio | 12.7367% | 6,094 |
| Memoranda: | ||
| Average total assets | $163,184,000 | 3,651 |
| Average earning assets | $147,010,000 | 3,698 |
| Average equity | $15,719,500 | 3,774 |
| Average total loans | $120,558,500 | 3,248 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8340% | 1,188 |
| Cost of funding earning assets | 1.0540% | 5,405 |
| Net interest margin | 4.7800% | 689 |
| Noninterest income to average assets | 0.6700% | 3,019 |
| Noninterest expense to average assets | 4.1926% | 910 |
| Loan and lease loss provision to assets | 0.6325% | 2,601 |
| Net operating income to assets | 0.1259% | 5,523 |
| Return on assets (ROA) | 0.1253% | 5,665 |
| Pretax return on assets | 0.1071% | 5,689 |
| Return on Equity (ROE) | 1.3215% | 5,614 |
| Retained earnings to average equity (ytd only) | 1.1172% | 4,987 |
| Net charge-offs to loans | 0.2438% | 4,825 |
| Credit loss provision to net charge-offs | 348.3333% | 741 |
| Earnings coverage of net charge-offs (x) | 4.0767% | 3,078 |
| Efficiency ratio | 83.8650% | 1,934 |
| Assets per employee ($millions) | 2.0982% | 7,370 |
| Cash dividends to net income (ytd only)* | 15.4589% | 3,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1426% | 771 |
| Loan loss allowance to noncurrent loans | 67.2023% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 4.6438% | 1,428 |
| Noncurrent loans to loans | 4.6763% | 1,492 |
| Net loans and leases to total assets | 70.8848% | 2,335 |
| Net loans and leases to deposits | 86.9692% | 1,944 |
| Net loans and leases to core deposits | 93.9489% | 2,260 |
| Total domestic deposits to total assets | 81.5056% | 5,353 |
| Equity capital to assets | 9.5986% | 4,273 |
| Core capital (leverage) ratio | 8.3576% | 5,601 |
| Tier 1 risk-based capital ratio | 11.0238% | 6,306 |
| Total risk-based capital ratio | 12.2958% | 6,266 |
| Memoranda: | ||
| Average total assets | $165,221,400 | 3,612 |
| Average earning assets | $147,342,600 | 3,676 |
| Average equity | $15,663,600 | 3,827 |
| Average total loans | $123,065,600 | 3,253 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9500% | 1,033 |
| Cost of funding earning assets | 1.0719% | 5,584 |
| Net interest margin | 4.8781% | 576 |
| Noninterest income to average assets | 0.7189% | 2,711 |
| Noninterest expense to average assets | 4.3611% | 696 |
| Loan and lease loss provision to assets | 0.6682% | 2,292 |
| Net operating income to assets | 0.0765% | 5,827 |
| Return on assets (ROA) | 0.0773% | 5,969 |
| Pretax return on assets | 0.0322% | 6,038 |
| Return on Equity (ROE) | 0.8178% | 5,943 |
| Retained earnings to average equity (ytd only) | 0.5452% | 5,581 |
| Net charge-offs to loans | 0.3229% | 4,050 |
| Credit loss provision to net charge-offs | 276.6667% | 1,182 |
| Earnings coverage of net charge-offs (x) | 2.8967% | 3,682 |
| Efficiency ratio | 85.0780% | 1,722 |
| Assets per employee ($millions) | 2.1049% | 7,457 |
| Cash dividends to net income (ytd only)* | 33.3359% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9745% | 840 |
| Loan loss allowance to noncurrent loans | 116.7050% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 3.1867% | 2,253 |
| Noncurrent loans to loans | 2.5487% | 3,074 |
| Net loans and leases to total assets | 69.6180% | 2,826 |
| Net loans and leases to deposits | 86.3750% | 2,263 |
| Net loans and leases to core deposits | 99.7871% | 1,867 |
| Total domestic deposits to total assets | 80.5997% | 5,515 |
| Equity capital to assets | 9.4313% | 4,938 |
| Core capital (leverage) ratio | 8.7088% | 5,167 |
| Tier 1 risk-based capital ratio | 11.6391% | 5,798 |
| Total risk-based capital ratio | 12.9094% | 5,756 |
| Memoranda: | ||
| Average total assets | $165,611,750 | 3,660 |
| Average earning assets | $147,402,000 | 3,727 |
| Average equity | $15,652,250 | 3,867 |
| Average total loans | $123,888,500 | 3,284 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0715% | 802 |
| Cost of funding earning assets | 1.0908% | 5,724 |
| Net interest margin | 4.9807% | 438 |
| Noninterest income to average assets | 1.0218% | 1,311 |
| Noninterest expense to average assets | 4.2797% | 740 |
| Loan and lease loss provision to assets | 0.7993% | 1,808 |
| Net operating income to assets | 0.2963% | 5,196 |
| Return on assets (ROA) | 0.2963% | 5,345 |
| Pretax return on assets | 0.3713% | 5,303 |
| Return on Equity (ROE) | 3.1326% | 5,162 |
| Retained earnings to average equity (ytd only) | 2.7234% | 4,397 |
| Net charge-offs to loans | 0.5518% | 2,877 |
| Credit loss provision to net charge-offs | 191.0405% | 2,065 |
| Earnings coverage of net charge-offs (x) | 2.7977% | 3,591 |
| Efficiency ratio | 77.5017% | 2,810 |
| Assets per employee ($millions) | 2.1192% | 7,498 |
| Cash dividends to net income (ytd only)* | 13.0612% | 3,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6818% | 1,110 |
| Loan loss allowance to noncurrent loans | 98.4934% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 3.6120% | 1,942 |
| Noncurrent loans to loans | 2.7228% | 2,929 |
| Net loans and leases to total assets | 72.2673% | 2,332 |
| Net loans and leases to deposits | 89.2544% | 1,971 |
| Net loans and leases to core deposits | 97.9065% | 2,241 |
| Total domestic deposits to total assets | 80.9678% | 5,410 |
| Equity capital to assets | 9.4417% | 4,798 |
| Core capital (leverage) ratio | 8.8910% | 4,761 |
| Tier 1 risk-based capital ratio | 11.2970% | 5,942 |
| Total risk-based capital ratio | 12.5642% | 5,914 |
| Memoranda: | ||
| Average total assets | $165,387,000 | 3,684 |
| Average earning assets | $147,048,670 | 3,763 |
| Average equity | $15,642,000 | 3,860 |
| Average total loans | $125,413,330 | 3,295 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9789% | 1,018 |
| Cost of funding earning assets | 1.1645% | 5,578 |
| Net interest margin | 4.8144% | 625 |
| Noninterest income to average assets | 1.1656% | 906 |
| Noninterest expense to average assets | 4.3268% | 701 |
| Loan and lease loss provision to assets | 0.7300% | 1,745 |
| Net operating income to assets | 0.2969% | 5,313 |
| Return on assets (ROA) | 0.2969% | 5,443 |
| Pretax return on assets | 0.3748% | 5,361 |
| Return on Equity (ROE) | 3.1363% | 5,279 |
| Retained earnings to average equity (ytd only) | 2.3137% | 4,746 |
| Net charge-offs to loans | 0.3366% | 3,062 |
| Credit loss provision to net charge-offs | 283.0189% | 1,394 |
| Earnings coverage of net charge-offs (x) | 4.2830% | 2,663 |
| Efficiency ratio | 78.6290% | 2,788 |
| Assets per employee ($millions) | 2.1328% | 7,591 |
| Cash dividends to net income (ytd only)* | 26.2295% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5383% | 1,247 |
| Loan loss allowance to noncurrent loans | 82.7879% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 4.0134% | 1,710 |
| Noncurrent loans to loans | 3.0661% | 2,610 |
| Net loans and leases to total assets | 75.1206% | 1,712 |
| Net loans and leases to deposits | 93.0657% | 1,467 |
| Net loans and leases to core deposits | 102.3207% | 1,867 |
| Total domestic deposits to total assets | 80.7178% | 5,555 |
| Equity capital to assets | 9.5090% | 4,521 |
| Core capital (leverage) ratio | 9.0009% | 4,569 |
| Tier 1 risk-based capital ratio | 10.8116% | 6,334 |
| Total risk-based capital ratio | 12.0777% | 6,295 |
| Memoranda: | ||
| Average total assets | $164,372,500 | 3,761 |
| Average earning assets | $145,646,500 | 3,841 |
| Average equity | $15,559,500 | 3,902 |
| Average total loans | $125,959,500 | 3,348 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5560% | 597 |
| Cost of funding earning assets | 1.3763% | 6,029 |
| Net interest margin | 5.1797% | 307 |
| Noninterest income to average assets | 1.1020% | 1,264 |
| Noninterest expense to average assets | 4.7516% | 633 |
| Loan and lease loss provision to assets | 2.7713% | 661 |
| Net operating income to assets | -1.0178% | 6,583 |
| Return on assets (ROA) | -1.0178% | 6,586 |
| Pretax return on assets | -1.8031% | 6,859 |
| Return on Equity (ROE) | -9.6660% | 6,596 |
| Retained earnings to average equity (ytd only) | -10.8832% | 6,590 |
| Net charge-offs to loans | 2.3129% | 1,007 |
| Credit loss provision to net charge-offs | 149.8302% | 3,105 |
| Earnings coverage of net charge-offs (x) | 0.5234% | 5,594 |
| Efficiency ratio | 82.0518% | 2,592 |
| Assets per employee ($millions) | 2.0565% | 7,698 |
| Cash dividends to net income (ytd only)* | -12.5926% | 7,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4086% | 1,341 |
| Loan loss allowance to noncurrent loans | 479.9682% | 688 |
| Noncurrent assets plus other real estate owned to assets | 2.1517% | 3,198 |
| Noncurrent loans to loans | 0.5018% | 6,248 |
| Net loans and leases to total assets | 74.3498% | 2,179 |
| Net loans and leases to deposits | 94.4965% | 1,530 |
| Net loans and leases to core deposits | 117.3287% | 2,195 |
| Total domestic deposits to total assets | 78.6799% | 6,073 |
| Equity capital to assets | 9.4231% | 4,519 |
| Core capital (leverage) ratio | 9.1716% | 4,165 |
| Tier 1 risk-based capital ratio | 10.9096% | 5,999 |
| Total risk-based capital ratio | 12.1733% | 5,963 |
| Memoranda: | ||
| Average total assets | $159,168,000 | 3,785 |
| Average earning assets | $141,901,000 | 3,859 |
| Average equity | $16,759,800 | 3,720 |
| Average total loans | $127,286,800 | 3,321 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6192% | 596 |
| Cost of funding earning assets | 1.4312% | 6,117 |
| Net interest margin | 5.1879% | 307 |
| Noninterest income to average assets | 1.2182% | 1,037 |
| Noninterest expense to average assets | 4.8388% | 548 |
| Loan and lease loss provision to assets | 1.6169% | 1,165 |
| Net operating income to assets | -0.3050% | 6,207 |
| Return on assets (ROA) | -0.3050% | 6,222 |
| Pretax return on assets | -0.6015% | 6,391 |
| Return on Equity (ROE) | -2.8190% | 6,220 |
| Retained earnings to average equity (ytd only) | -4.0919% | 6,123 |
| Net charge-offs to loans | 1.0873% | 1,830 |
| Credit loss provision to net charge-offs | 183.6852% | 2,486 |
| Earnings coverage of net charge-offs (x) | 1.1536% | 4,912 |
| Efficiency ratio | 81.6450% | 2,631 |
| Assets per employee ($millions) | 2.0894% | 7,726 |
| Cash dividends to net income (ytd only)* | -45.1529% | 7,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9000% | 2,033 |
| Loan loss allowance to noncurrent loans | 93.9171% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 2.6136% | 2,664 |
| Noncurrent loans to loans | 2.0230% | 3,607 |
| Net loans and leases to total assets | 77.7912% | 1,613 |
| Net loans and leases to deposits | 100.2242% | 1,084 |
| Net loans and leases to core deposits | 120.7335% | 2,180 |
| Total domestic deposits to total assets | 77.6172% | 6,186 |
| Equity capital to assets | 10.5049% | 3,507 |
| Core capital (leverage) ratio | 10.3232% | 2,952 |
| Tier 1 risk-based capital ratio | 12.1046% | 4,872 |
| Total risk-based capital ratio | 13.3624% | 4,816 |
| Memoranda: | ||
| Average total assets | $157,829,750 | 3,832 |
| Average earning assets | $141,041,750 | 3,908 |
| Average equity | $17,074,000 | 3,687 |
| Average total loans | $127,773,500 | 3,342 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7464% | 496 |
| Cost of funding earning assets | 1.4959% | 6,157 |
| Net interest margin | 5.2506% | 267 |
| Noninterest income to average assets | 1.2423% | 996 |
| Noninterest expense to average assets | 4.9231% | 544 |
| Loan and lease loss provision to assets | 1.8545% | 882 |
| Net operating income to assets | -0.4643% | 6,513 |
| Return on assets (ROA) | -0.4643% | 6,519 |
| Pretax return on assets | -0.8482% | 6,713 |
| Return on Equity (ROE) | -4.2494% | 6,512 |
| Retained earnings to average equity (ytd only) | -5.9189% | 6,438 |
| Net charge-offs to loans | 0.3192% | 3,587 |
| Credit loss provision to net charge-offs | 712.7451% | 669 |
| Earnings coverage of net charge-offs (x) | 3.8676% | 3,288 |
| Efficiency ratio | 82.0391% | 2,718 |
| Assets per employee ($millions) | 2.0427% | 7,826 |
| Cash dividends to net income (ytd only)* | -39.2857% | 7,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2157% | 1,216 |
| Loan loss allowance to noncurrent loans | 70.1728% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 3.5950% | 1,723 |
| Noncurrent loans to loans | 3.1575% | 2,262 |
| Net loans and leases to total assets | 77.6092% | 1,838 |
| Net loans and leases to deposits | 100.3677% | 1,250 |
| Net loans and leases to core deposits | 122.3721% | 2,172 |
| Total domestic deposits to total assets | 77.3248% | 6,249 |
| Equity capital to assets | 10.5396% | 3,353 |
| Core capital (leverage) ratio | 10.4813% | 2,827 |
| Tier 1 risk-based capital ratio | 12.2963% | 4,676 |
| Total risk-based capital ratio | 13.5574% | 4,590 |
| Memoranda: | ||
| Average total assets | $156,810,670 | 3,881 |
| Average earning assets | $139,985,000 | 3,948 |
| Average equity | $17,131,670 | 3,683 |
| Average total loans | $127,838,000 | 3,384 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1301% | 274 |
| Cost of funding earning assets | 1.5685% | 6,166 |
| Net interest margin | 5.5617% | 163 |
| Noninterest income to average assets | 1.2755% | 881 |
| Noninterest expense to average assets | 4.9322% | 508 |
| Loan and lease loss provision to assets | 1.2318% | 1,051 |
| Net operating income to assets | 0.0926% | 6,002 |
| Return on assets (ROA) | 0.0926% | 6,162 |
| Pretax return on assets | 0.0720% | 6,226 |
| Return on Equity (ROE) | 0.8323% | 6,179 |
| Retained earnings to average equity (ytd only) | -0.9710% | 5,881 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1443% | 3,140 |
| Assets per employee ($millions) | 1.8229% | 8,007 |
| Cash dividends to net income (ytd only)* | 216.6667% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5944% | 2,540 |
| Loan loss allowance to noncurrent loans | 546.2366% | 647 |
| Noncurrent assets plus other real estate owned to assets | 1.2559% | 4,161 |
| Noncurrent loans to loans | 0.2919% | 6,711 |
| Net loans and leases to total assets | 80.9399% | 1,213 |
| Net loans and leases to deposits | 104.9472% | 946 |
| Net loans and leases to core deposits | 127.4584% | 1,829 |
| Total domestic deposits to total assets | 77.1244% | 6,244 |
| Equity capital to assets | 11.1457% | 2,855 |
| Core capital (leverage) ratio | 10.9100% | 2,572 |
| Tier 1 risk-based capital ratio | 12.7114% | 4,379 |
| Total risk-based capital ratio | 13.9655% | 4,297 |
| Memoranda: | ||
| Average total assets | $155,549,500 | 3,918 |
| Average earning assets | $138,735,500 | 3,980 |
| Average equity | $17,301,000 | 3,675 |
| Average total loans | $128,527,500 | 3,400 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6041% | 337 |
| Cost of funding earning assets | 2.0351% | 6,300 |
| Net interest margin | 5.5690% | 188 |
| Noninterest income to average assets | 1.5369% | 594 |
| Noninterest expense to average assets | 5.1818% | 581 |
| Loan and lease loss provision to assets | 0.2095% | 4,799 |
| Net operating income to assets | 0.7481% | 3,682 |
| Return on assets (ROA) | 0.7485% | 3,519 |
| Pretax return on assets | 1.1096% | 2,994 |
| Return on Equity (ROE) | 6.7651% | 3,638 |
| Retained earnings to average equity (ytd only) | -0.3658% | 5,390 |
| Net charge-offs to loans | 0.5752% | 2,091 |
| Credit loss provision to net charge-offs | 44.1137% | 6,416 |
| Earnings coverage of net charge-offs (x) | 2.7767% | 4,702 |
| Efficiency ratio | 78.8969% | 2,776 |
| Assets per employee ($millions) | 1.7949% | 8,045 |
| Cash dividends to net income (ytd only)* | 105.4077% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1974% | 4,553 |
| Loan loss allowance to noncurrent loans | 705.4545% | 648 |
| Noncurrent assets plus other real estate owned to assets | 1.1867% | 3,883 |
| Noncurrent loans to loans | 0.1697% | 6,882 |
| Net loans and leases to total assets | 82.0079% | 1,229 |
| Net loans and leases to deposits | 108.5256% | 939 |
| Net loans and leases to core deposits | 128.9286% | 1,936 |
| Total domestic deposits to total assets | 75.5655% | 6,329 |
| Equity capital to assets | 11.0994% | 2,963 |
| Core capital (leverage) ratio | 10.8696% | 2,692 |
| Tier 1 risk-based capital ratio | 12.7192% | 4,278 |
| Total risk-based capital ratio | 13.9691% | 4,192 |
| Memoranda: | ||
| Average total assets | $155,641,600 | 3,793 |
| Average earning assets | $138,715,200 | 3,873 |
| Average equity | $17,220,800 | 3,697 |
| Average total loans | $128,467,800 | 3,294 |