Home > American Bank > Performance and Condition Ratios
American Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1859% | 1,699 |
| Cost of funding earning assets | 1.2143% | 2,764 |
| Net interest margin | 3.9715% | 1,249 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 2.5417% | 2,183 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.3147% | 1,407 |
| Return on assets (ROA) | 1.3147% | 1,370 |
| Pretax return on assets | 1.3147% | 1,832 |
| Return on Equity (ROE) | 22.2700% | 444 |
| Retained earnings to average equity (ytd only) | 9.3707% | 1,165 |
| Net charge-offs to loans | -0.0111% | 4,018 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 63.8547% | 2,625 |
| Assets per employee ($millions) | 7.7797% | 1,547 |
| Cash dividends to net income (ytd only)* | 57.9172% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6119% | 815 |
| Loan loss allowance to noncurrent loans | 482.8148% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.2169% | 2,141 |
| Noncurrent loans to loans | 0.3338% | 1,985 |
| Net loans and leases to total assets | 63.9300% | 2,466 |
| Net loans and leases to deposits | 72.9757% | 2,698 |
| Net loans and leases to core deposits | 75.4123% | 3,009 |
| Total domestic deposits to total assets | 87.6000% | 1,487 |
| Equity capital to assets | 6.5696% | 4,091 |
| Core capital (leverage) ratio | 8.9682% | 3,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4493% | 2,086 |
| Memoranda: | ||
| Average total assets | $624,500,800 | 1,429 |
| Average earning assets | $584,759,800 | 1,407 |
| Average equity | $36,870,400 | 1,988 |
| Average total loans | $388,033,200 | 1,507 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0206% | 1,790 |
| Cost of funding earning assets | 1.0413% | 2,921 |
| Net interest margin | 3.9792% | 1,254 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 2.5942% | 1,961 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.3392% | 1,447 |
| Return on assets (ROA) | 1.3392% | 1,431 |
| Pretax return on assets | 1.3392% | 1,933 |
| Return on Equity (ROE) | 23.3400% | 467 |
| Retained earnings to average equity (ytd only) | 10.1784% | 1,353 |
| Net charge-offs to loans | -0.0125% | 3,994 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 64.8967% | 2,402 |
| Assets per employee ($millions) | 7.6821% | 1,514 |
| Cash dividends to net income (ytd only)* | 56.3874% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5099% | 1,082 |
| Loan loss allowance to noncurrent loans | 445.4613% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.2178% | 2,175 |
| Noncurrent loans to loans | 0.3389% | 2,019 |
| Net loans and leases to total assets | 63.2800% | 2,529 |
| Net loans and leases to deposits | 69.1175% | 2,905 |
| Net loans and leases to core deposits | 70.1892% | 3,201 |
| Total domestic deposits to total assets | 91.5500% | 547 |
| Equity capital to assets | 5.5700% | 4,118 |
| Core capital (leverage) ratio | 8.9341% | 3,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3400% | 2,140 |
| Memoranda: | ||
| Average total assets | $625,031,500 | 1,424 |
| Average earning assets | $585,123,750 | 1,412 |
| Average equity | $35,866,000 | 2,015 |
| Average total loans | $383,947,750 | 1,514 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8600% | 1,860 |
| Cost of funding earning assets | 0.8600% | 3,047 |
| Net interest margin | 4.0000% | 1,241 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 2.5653% | 2,015 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.3662% | 1,410 |
| Return on assets (ROA) | 1.3662% | 1,392 |
| Pretax return on assets | 1.3662% | 1,898 |
| Return on Equity (ROE) | 23.5800% | 454 |
| Retained earnings to average equity (ytd only) | 9.4628% | 1,561 |
| Net charge-offs to loans | -0.0153% | 4,050 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 63.6969% | 2,523 |
| Assets per employee ($millions) | 8.2359% | 1,219 |
| Cash dividends to net income (ytd only)* | 59.8690% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5319% | 1,083 |
| Loan loss allowance to noncurrent loans | 459.8017% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.2095% | 2,147 |
| Noncurrent loans to loans | 0.3332% | 1,936 |
| Net loans and leases to total assets | 61.9000% | 2,582 |
| Net loans and leases to deposits | 70.0372% | 2,787 |
| Net loans and leases to core deposits | 70.9783% | 3,065 |
| Total domestic deposits to total assets | 88.3900% | 1,464 |
| Equity capital to assets | 5.9236% | 4,183 |
| Core capital (leverage) ratio | 8.7975% | 3,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2214% | 2,211 |
| Memoranda: | ||
| Average total assets | $625,959,000 | 1,423 |
| Average earning assets | $586,054,667 | 1,409 |
| Average equity | $36,268,333 | 2,006 |
| Average total loans | $378,673,000 | 1,513 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6968% | 1,860 |
| Cost of funding earning assets | 0.6089% | 3,352 |
| Net interest margin | 4.0878% | 1,115 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 2.5330% | 2,157 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6001% | 978 |
| Return on assets (ROA) | 1.6001% | 974 |
| Pretax return on assets | 1.6001% | 1,459 |
| Return on Equity (ROE) | 27.9300% | 292 |
| Retained earnings to average equity (ytd only) | 12.2017% | 1,229 |
| Net charge-offs to loans | -0.0129% | 3,936 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.2863% | 2,781 |
| Assets per employee ($millions) | 7.8306% | 1,447 |
| Cash dividends to net income (ytd only)* | 56.3099% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5104% | 1,225 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 58.7100% | 2,800 |
| Net loans and leases to deposits | 64.1155% | 3,075 |
| Net loans and leases to core deposits | 64.7254% | 3,303 |
| Total domestic deposits to total assets | 91.5700% | 633 |
| Equity capital to assets | 5.7470% | 4,275 |
| Core capital (leverage) ratio | 8.8334% | 3,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3566% | 2,238 |
| Memoranda: | ||
| Average total assets | $625,976,000 | 1,443 |
| Average earning assets | $585,931,500 | 1,429 |
| Average equity | $35,864,000 | 2,047 |
| Average total loans | $371,260,000 | 1,548 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8375% | 2,177 |
| Cost of funding earning assets | 0.1115% | 4,330 |
| Net interest margin | 3.7260% | 1,319 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 2.3453% | 2,597 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.3018% | 1,418 |
| Return on assets (ROA) | 1.3018% | 1,382 |
| Pretax return on assets | 1.3018% | 2,079 |
| Return on Equity (ROE) | 22.2500% | 325 |
| Retained earnings to average equity (ytd only) | 10.5083% | 1,000 |
| Net charge-offs to loans | 0.0044% | 2,285 |
| Credit loss provision to net charge-offs | 5,550.0000% | 127 |
| Earnings coverage of net charge-offs (x) | 595.5000% | 292 |
| Efficiency ratio | 62.0293% | 2,761 |
| Assets per employee ($millions) | 7.3533% | 1,718 |
| Cash dividends to net income (ytd only)* | 52.7778% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5642% | 1,038 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 58.0700% | 2,816 |
| Net loans and leases to deposits | 62.4101% | 3,164 |
| Net loans and leases to core deposits | 62.8814% | 3,339 |
| Total domestic deposits to total assets | 93.0500% | 393 |
| Equity capital to assets | 5.7111% | 4,178 |
| Core capital (leverage) ratio | 8.5450% | 4,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3866% | 2,204 |
| Memoranda: | ||
| Average total assets | $663,674,400 | 1,352 |
| Average earning assets | $622,455,800 | 1,346 |
| Average equity | $38,826,600 | 1,961 |
| Average total loans | $360,281,800 | 1,514 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6038% | 2,334 |
| Cost of funding earning assets | 0.0547% | 4,553 |
| Net interest margin | 3.5491% | 1,525 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 2.2662% | 2,729 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 1.1894% | 1,740 |
| Return on assets (ROA) | 1.1894% | 1,716 |
| Pretax return on assets | 1.1894% | 2,408 |
| Return on Equity (ROE) | 20.2200% | 414 |
| Retained earnings to average equity (ytd only) | 9.8971% | 1,379 |
| Net charge-offs to loans | 0.0041% | 2,059 |
| Credit loss provision to net charge-offs | 6,054.5455% | 89 |
| Earnings coverage of net charge-offs (x) | 608.0909% | 260 |
| Efficiency ratio | 63.1764% | 2,660 |
| Assets per employee ($millions) | 7.6933% | 1,491 |
| Cash dividends to net income (ytd only)* | 51.0543% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4619% | 1,418 |
| Loan loss allowance to noncurrent loans | 60,922.2222% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 4,023 |
| Noncurrent loans to loans | 0.0024% | 3,955 |
| Net loans and leases to total assets | 55.2200% | 2,981 |
| Net loans and leases to deposits | 58.7019% | 3,294 |
| Net loans and leases to core deposits | 59.2975% | 3,435 |
| Total domestic deposits to total assets | 94.0600% | 347 |
| Equity capital to assets | 4.8888% | 4,314 |
| Core capital (leverage) ratio | 8.1182% | 4,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8357% | 2,539 |
| Memoranda: | ||
| Average total assets | $675,173,750 | 1,347 |
| Average earning assets | $633,572,500 | 1,334 |
| Average equity | $39,714,250 | 1,953 |
| Average total loans | $359,249,500 | 1,509 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3633% | 2,532 |
| Cost of funding earning assets | 0.0286% | 4,695 |
| Net interest margin | 3.3347% | 1,806 |
| Noninterest income to average assets | 0.2159% | 3,913 |
| Noninterest expense to average assets | 2.2212% | 2,784 |
| Loan and lease loss provision to assets | 0.1311% | 735 |
| Net operating income to assets | 0.9986% | 2,160 |
| Return on assets (ROA) | 0.9986% | 2,134 |
| Pretax return on assets | 0.9986% | 2,744 |
| Return on Equity (ROE) | 16.0828% | 687 |
| Retained earnings to average equity (ytd only) | 7.7346% | 1,714 |
| Net charge-offs to loans | 0.0045% | 1,854 |
| Credit loss provision to net charge-offs | 5,550.0000% | 104 |
| Earnings coverage of net charge-offs (x) | 478.1250% | 269 |
| Efficiency ratio | 66.2847% | 2,474 |
| Assets per employee ($millions) | 7.8454% | 1,384 |
| Cash dividends to net income (ytd only)* | 51.9077% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4175% | 1,681 |
| Loan loss allowance to noncurrent loans | 6,192.9412% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0129% | 3,898 |
| Noncurrent loans to loans | 0.0229% | 3,789 |
| Net loans and leases to total assets | 55.5512% | 2,801 |
| Net loans and leases to deposits | 59.1479% | 3,121 |
| Net loans and leases to core deposits | 59.8233% | 3,281 |
| Total domestic deposits to total assets | 93.9191% | 295 |
| Equity capital to assets | 5.0808% | 4,455 |
| Core capital (leverage) ratio | 7.8711% | 4,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7555% | 2,583 |
| Memoranda: | ||
| Average total assets | $677,125,333 | 1,352 |
| Average earning assets | $636,579,000 | 1,343 |
| Average equity | $42,045,000 | 1,928 |
| Average total loans | $353,978,000 | 1,519 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1126% | 2,942 |
| Cost of funding earning assets | 0.0284% | 4,711 |
| Net interest margin | 3.0841% | 2,227 |
| Noninterest income to average assets | 0.1860% | 4,044 |
| Noninterest expense to average assets | 2.1464% | 2,993 |
| Loan and lease loss provision to assets | 0.1294% | 631 |
| Net operating income to assets | 0.8173% | 2,606 |
| Return on assets (ROA) | 0.8173% | 2,594 |
| Pretax return on assets | 0.8173% | 3,055 |
| Return on Equity (ROE) | 12.1055% | 1,275 |
| Retained earnings to average equity (ytd only) | 5.3706% | 2,454 |
| Net charge-offs to loans | 0.0035% | 1,653 |
| Credit loss provision to net charge-offs | 7,400.0000% | 63 |
| Earnings coverage of net charge-offs (x) | 541.3333% | 189 |
| Efficiency ratio | 69.3931% | 2,313 |
| Assets per employee ($millions) | 8.3070% | 1,209 |
| Cash dividends to net income (ytd only)* | 55.6348% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4451% | 1,733 |
| Loan loss allowance to noncurrent loans | 4,851.9231% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.0149% | 3,910 |
| Noncurrent loans to loans | 0.0298% | 3,781 |
| Net loans and leases to total assets | 49.3163% | 3,241 |
| Net loans and leases to deposits | 53.0757% | 3,488 |
| Net loans and leases to core deposits | 53.6300% | 3,623 |
| Total domestic deposits to total assets | 92.9171% | 292 |
| Equity capital to assets | 6.1528% | 4,550 |
| Core capital (leverage) ratio | 7.6405% | 4,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9134% | 2,639 |
| Memoranda: | ||
| Average total assets | $686,180,000 | 1,344 |
| Average earning assets | $646,799,500 | 1,332 |
| Average equity | $46,326,000 | 1,846 |
| Average total loans | $345,289,500 | 1,531 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4883% | 2,691 |
| Cost of funding earning assets | 0.0409% | 4,724 |
| Net interest margin | 3.4474% | 1,883 |
| Noninterest income to average assets | 0.2184% | 4,057 |
| Noninterest expense to average assets | 2.2584% | 2,920 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1845% | 1,971 |
| Return on assets (ROA) | 1.1845% | 2,040 |
| Pretax return on assets | 1.1845% | 2,717 |
| Return on Equity (ROE) | 15.1481% | 922 |
| Retained earnings to average equity (ytd only) | 7.8816% | 1,588 |
| Net charge-offs to loans | 0.0707% | 1,084 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 30.9620% | 1,588 |
| Efficiency ratio | 65.5961% | 2,320 |
| Assets per employee ($millions) | 7.6656% | 1,520 |
| Cash dividends to net income (ytd only)* | 47.9695% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4141% | 1,871 |
| Loan loss allowance to noncurrent loans | 4,023.3333% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.0178% | 3,964 |
| Noncurrent loans to loans | 0.0351% | 3,825 |
| Net loans and leases to total assets | 49.8956% | 3,290 |
| Net loans and leases to deposits | 54.4956% | 3,558 |
| Net loans and leases to core deposits | 55.0925% | 3,685 |
| Total domestic deposits to total assets | 91.5589% | 296 |
| Equity capital to assets | 7.3703% | 4,630 |
| Core capital (leverage) ratio | 7.4383% | 4,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0379% | 2,619 |
| Memoranda: | ||
| Average total assets | $619,505,200 | 1,413 |
| Average earning assets | $579,454,200 | 1,416 |
| Average equity | $48,441,800 | 1,807 |
| Average total loans | $335,307,400 | 1,571 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5338% | 2,733 |
| Cost of funding earning assets | 0.0439% | 4,801 |
| Net interest margin | 3.4899% | 1,890 |
| Noninterest income to average assets | 0.1902% | 4,256 |
| Noninterest expense to average assets | 2.2097% | 3,040 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2364% | 2,034 |
| Return on assets (ROA) | 1.2364% | 2,097 |
| Pretax return on assets | 1.2364% | 2,815 |
| Return on Equity (ROE) | 15.5626% | 1,029 |
| Retained earnings to average equity (ytd only) | 6.8490% | 2,476 |
| Net charge-offs to loans | 0.0044% | 2,183 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 510.6364% | 295 |
| Efficiency ratio | 64.1224% | 2,368 |
| Assets per employee ($millions) | 7.9711% | 1,284 |
| Cash dividends to net income (ytd only)* | 55.9907% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5022% | 1,625 |
| Loan loss allowance to noncurrent loans | 891.3580% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.0847% | 3,534 |
| Noncurrent loans to loans | 0.1685% | 3,276 |
| Net loans and leases to total assets | 49.4935% | 3,468 |
| Net loans and leases to deposits | 54.0288% | 3,735 |
| Net loans and leases to core deposits | 54.5229% | 3,882 |
| Total domestic deposits to total assets | 91.6058% | 210 |
| Equity capital to assets | 7.4003% | 4,732 |
| Core capital (leverage) ratio | 7.9119% | 4,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2480% | 2,631 |
| Memoranda: | ||
| Average total assets | $605,739,250 | 1,453 |
| Average earning assets | $565,123,500 | 1,458 |
| Average equity | $48,122,750 | 1,837 |
| Average total loans | $333,782,250 | 1,608 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6497% | 2,470 |
| Cost of funding earning assets | 0.0478% | 4,834 |
| Net interest margin | 3.6019% | 1,591 |
| Noninterest income to average assets | 0.1519% | 4,443 |
| Noninterest expense to average assets | 2.1948% | 3,104 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3075% | 1,845 |
| Return on assets (ROA) | 1.3075% | 1,917 |
| Pretax return on assets | 1.3075% | 2,614 |
| Return on Equity (ROE) | 16.0388% | 949 |
| Retained earnings to average equity (ytd only) | 6.3005% | 2,695 |
| Net charge-offs to loans | 0.0084% | 1,827 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 272.9286% | 398 |
| Efficiency ratio | 62.6673% | 2,635 |
| Assets per employee ($millions) | 7.4219% | 1,527 |
| Cash dividends to net income (ytd only)* | 60.7171% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5284% | 1,500 |
| Loan loss allowance to noncurrent loans | 875.3899% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.0948% | 3,580 |
| Noncurrent loans to loans | 0.1746% | 3,344 |
| Net loans and leases to total assets | 53.4714% | 3,199 |
| Net loans and leases to deposits | 58.7501% | 3,476 |
| Net loans and leases to core deposits | 59.3740% | 3,668 |
| Total domestic deposits to total assets | 91.0149% | 371 |
| Equity capital to assets | 7.9595% | 4,558 |
| Core capital (leverage) ratio | 8.1790% | 4,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $584,462,667 | 1,494 |
| Average earning assets | $543,655,333 | 1,498 |
| Average equity | $47,647,000 | 1,843 |
| Average total loans | $332,894,000 | 1,616 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6927% | 2,378 |
| Cost of funding earning assets | 0.0520% | 4,861 |
| Net interest margin | 3.6407% | 1,473 |
| Noninterest income to average assets | 0.0615% | 4,820 |
| Noninterest expense to average assets | 2.2509% | 2,940 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1845% | 2,214 |
| Return on assets (ROA) | 1.1845% | 2,283 |
| Pretax return on assets | 1.1845% | 2,888 |
| Return on Equity (ROE) | 14.3492% | 1,364 |
| Retained earnings to average equity (ytd only) | 3.6825% | 3,598 |
| Net charge-offs to loans | 0.0180% | 1,387 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 113.0000% | 567 |
| Efficiency ratio | 65.5207% | 2,299 |
| Assets per employee ($millions) | 7.4447% | 1,488 |
| Cash dividends to net income (ytd only)* | 74.3363% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5259% | 1,519 |
| Loan loss allowance to noncurrent loans | 864.7260% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.0993% | 3,692 |
| Noncurrent loans to loans | 0.1765% | 3,475 |
| Net loans and leases to total assets | 55.4125% | 3,107 |
| Net loans and leases to deposits | 60.9398% | 3,416 |
| Net loans and leases to core deposits | 61.3952% | 3,617 |
| Total domestic deposits to total assets | 90.9298% | 427 |
| Equity capital to assets | 8.0098% | 4,477 |
| Core capital (leverage) ratio | 8.3564% | 4,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $572,396,500 | 1,506 |
| Average earning assets | $530,452,500 | 1,513 |
| Average equity | $47,250,000 | 1,849 |
| Average total loans | $334,103,500 | 1,614 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2129% | 2,097 |
| Cost of funding earning assets | 0.1764% | 4,658 |
| Net interest margin | 4.0366% | 903 |
| Noninterest income to average assets | 0.5070% | 2,601 |
| Noninterest expense to average assets | 2.6312% | 2,449 |
| Loan and lease loss provision to assets | 0.3971% | 798 |
| Net operating income to assets | 1.1836% | 1,604 |
| Return on assets (ROA) | 1.1836% | 1,715 |
| Pretax return on assets | 1.1836% | 2,389 |
| Return on Equity (ROE) | 12.5847% | 1,154 |
| Retained earnings to average equity (ytd only) | 4.1523% | 2,736 |
| Net charge-offs to loans | 0.1708% | 971 |
| Credit loss provision to net charge-offs | 363.1285% | 1,550 |
| Earnings coverage of net charge-offs (x) | 14.4562% | 2,212 |
| Efficiency ratio | 62.4704% | 3,048 |
| Assets per employee ($millions) | 7.3245% | 1,384 |
| Cash dividends to net income (ytd only)* | 67.0050% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5018% | 1,581 |
| Loan loss allowance to noncurrent loans | 859.9321% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.1462% | 3,557 |
| Noncurrent loans to loans | 0.1746% | 3,586 |
| Net loans and leases to total assets | 59.6761% | 2,906 |
| Net loans and leases to deposits | 66.1008% | 3,264 |
| Net loans and leases to core deposits | 66.6386% | 3,492 |
| Total domestic deposits to total assets | 90.2804% | 456 |
| Equity capital to assets | 8.5136% | 4,432 |
| Core capital (leverage) ratio | 8.6940% | 4,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $491,114,200 | 1,577 |
| Average earning assets | $450,756,200 | 1,594 |
| Average equity | $46,191,000 | 1,807 |
| Average total loans | $314,405,400 | 1,635 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2826% | 2,153 |
| Cost of funding earning assets | 0.2217% | 4,599 |
| Net interest margin | 4.0608% | 975 |
| Noninterest income to average assets | 0.2609% | 3,911 |
| Noninterest expense to average assets | 2.6962% | 2,273 |
| Loan and lease loss provision to assets | 0.3792% | 969 |
| Net operating income to assets | 0.9044% | 2,689 |
| Return on assets (ROA) | 0.9044% | 2,816 |
| Pretax return on assets | 0.9044% | 3,371 |
| Return on Equity (ROE) | 9.3553% | 2,256 |
| Retained earnings to average equity (ytd only) | 1.5253% | 4,077 |
| Net charge-offs to loans | 0.1693% | 869 |
| Credit loss provision to net charge-offs | 344.3878% | 1,628 |
| Earnings coverage of net charge-offs (x) | 11.6582% | 2,291 |
| Efficiency ratio | 67.7488% | 2,226 |
| Assets per employee ($millions) | 7.0827% | 1,444 |
| Cash dividends to net income (ytd only)* | 83.6957% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3813% | 1,811 |
| Loan loss allowance to noncurrent loans | 1,454.2587% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.1988% | 3,443 |
| Noncurrent loans to loans | 0.0950% | 3,985 |
| Net loans and leases to total assets | 62.7955% | 2,906 |
| Net loans and leases to deposits | 69.7912% | 3,328 |
| Net loans and leases to core deposits | 70.3360% | 3,605 |
| Total domestic deposits to total assets | 89.9763% | 430 |
| Equity capital to assets | 8.8051% | 4,250 |
| Core capital (leverage) ratio | 8.9281% | 3,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $474,727,750 | 1,606 |
| Average earning assets | $434,744,000 | 1,626 |
| Average equity | $45,890,750 | 1,809 |
| Average total loans | $308,692,250 | 1,650 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4400% | 2,099 |
| Cost of funding earning assets | 0.2965% | 4,493 |
| Net interest margin | 4.1435% | 1,031 |
| Noninterest income to average assets | 0.2623% | 3,901 |
| Noninterest expense to average assets | 2.7700% | 2,164 |
| Loan and lease loss provision to assets | 0.3273% | 1,306 |
| Net operating income to assets | 0.9462% | 2,514 |
| Return on assets (ROA) | 0.9462% | 2,643 |
| Pretax return on assets | 0.9462% | 3,192 |
| Return on Equity (ROE) | 9.4663% | 2,168 |
| Retained earnings to average equity (ytd only) | 1.9561% | 3,778 |
| Net charge-offs to loans | 0.0007% | 3,017 |
| Credit loss provision to net charge-offs | 75,000.0000% | 10 |
| Earnings coverage of net charge-offs (x) | 2,918.0000% | 26 |
| Efficiency ratio | 68.5051% | 2,168 |
| Assets per employee ($millions) | 6.8977% | 1,505 |
| Cash dividends to net income (ytd only)* | 79.3358% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3562% | 1,742 |
| Loan loss allowance to noncurrent loans | 607.8729% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.2918% | 3,148 |
| Noncurrent loans to loans | 0.2231% | 3,579 |
| Net loans and leases to total assets | 64.4575% | 2,824 |
| Net loans and leases to deposits | 72.0389% | 3,258 |
| Net loans and leases to core deposits | 72.5501% | 3,556 |
| Total domestic deposits to total assets | 89.4760% | 582 |
| Equity capital to assets | 9.2907% | 3,840 |
| Core capital (leverage) ratio | 9.8034% | 3,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $458,264,667 | 1,632 |
| Average earning assets | $418,195,000 | 1,654 |
| Average equity | $45,804,667 | 1,797 |
| Average total loans | $300,345,667 | 1,662 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7571% | 1,538 |
| Cost of funding earning assets | 0.4678% | 4,079 |
| Net interest margin | 4.2893% | 773 |
| Noninterest income to average assets | 0.2861% | 3,812 |
| Noninterest expense to average assets | 2.7886% | 2,463 |
| Loan and lease loss provision to assets | 0.1366% | 2,015 |
| Net operating income to assets | 1.2535% | 1,369 |
| Return on assets (ROA) | 1.2535% | 1,473 |
| Pretax return on assets | 1.2535% | 2,024 |
| Return on Equity (ROE) | 12.0605% | 1,089 |
| Retained earnings to average equity (ytd only) | 4.1721% | 2,615 |
| Net charge-offs to loans | 0.0014% | 2,547 |
| Credit loss provision to net charge-offs | 15,000.0000% | 51 |
| Earnings coverage of net charge-offs (x) | 1,526.0000% | 26 |
| Efficiency ratio | 66.7321% | 2,855 |
| Assets per employee ($millions) | 5.7579% | 1,886 |
| Cash dividends to net income (ytd only)* | 65.4070% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3323% | 1,992 |
| Loan loss allowance to noncurrent loans | 525.0000% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.3311% | 3,119 |
| Noncurrent loans to loans | 0.2538% | 3,583 |
| Net loans and leases to total assets | 64.3255% | 3,029 |
| Net loans and leases to deposits | 72.9664% | 3,361 |
| Net loans and leases to core deposits | 73.6109% | 3,660 |
| Total domestic deposits to total assets | 88.1577% | 1,036 |
| Equity capital to assets | 10.5253% | 3,296 |
| Core capital (leverage) ratio | 10.4792% | 2,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $439,078,500 | 1,652 |
| Average earning assets | $398,481,500 | 1,675 |
| Average equity | $45,636,500 | 1,798 |
| Average total loans | $288,258,000 | 1,684 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1673% | 1,071 |
| Cost of funding earning assets | 0.6597% | 3,365 |
| Net interest margin | 4.5076% | 707 |
| Noninterest income to average assets | 0.2568% | 4,140 |
| Noninterest expense to average assets | 2.5874% | 3,213 |
| Loan and lease loss provision to assets | 0.1823% | 1,130 |
| Net operating income to assets | 1.5839% | 867 |
| Return on assets (ROA) | 1.5839% | 923 |
| Pretax return on assets | 1.5839% | 1,529 |
| Return on Equity (ROE) | 15.6511% | 582 |
| Retained earnings to average equity (ytd only) | 2.4546% | 3,802 |
| Net charge-offs to loans | 0.0924% | 1,806 |
| Credit loss provision to net charge-offs | 301.8868% | 919 |
| Earnings coverage of net charge-offs (x) | 29.2453% | 1,607 |
| Efficiency ratio | 59.4305% | 3,772 |
| Assets per employee ($millions) | 5.6482% | 1,927 |
| Cash dividends to net income (ytd only)* | 84.3165% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2540% | 2,151 |
| Loan loss allowance to noncurrent loans | 504.4199% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.3289% | 3,103 |
| Noncurrent loans to loans | 0.2486% | 3,558 |
| Net loans and leases to total assets | 65.2752% | 3,041 |
| Net loans and leases to deposits | 73.9031% | 3,364 |
| Net loans and leases to core deposits | 74.5474% | 3,674 |
| Total domestic deposits to total assets | 88.3254% | 970 |
| Equity capital to assets | 10.2629% | 3,662 |
| Core capital (leverage) ratio | 10.2026% | 3,295 |
| Tier 1 risk-based capital ratio | 13.4630% | 3,543 |
| Total risk-based capital ratio | 14.6473% | 3,465 |
| Memoranda: | ||
| Average total assets | $438,785,600 | 1,602 |
| Average earning assets | $398,797,400 | 1,637 |
| Average equity | $44,405,800 | 1,774 |
| Average total loans | $286,798,000 | 1,661 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1582% | 1,132 |
| Cost of funding earning assets | 0.6976% | 3,235 |
| Net interest margin | 4.4606% | 839 |
| Noninterest income to average assets | 0.2674% | 4,140 |
| Noninterest expense to average assets | 2.5447% | 3,314 |
| Loan and lease loss provision to assets | 0.1886% | 950 |
| Net operating income to assets | 1.5911% | 952 |
| Return on assets (ROA) | 1.5911% | 996 |
| Pretax return on assets | 1.5911% | 1,668 |
| Return on Equity (ROE) | 15.7781% | 643 |
| Retained earnings to average equity (ytd only) | 3.5320% | 3,641 |
| Net charge-offs to loans | 0.0653% | 1,887 |
| Credit loss provision to net charge-offs | 442.8571% | 700 |
| Earnings coverage of net charge-offs (x) | 41.7933% | 1,332 |
| Efficiency ratio | 58.8450% | 3,817 |
| Assets per employee ($millions) | 5.9020% | 1,670 |
| Cash dividends to net income (ytd only)* | 77.6143% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2794% | 2,067 |
| Loan loss allowance to noncurrent loans | 430.7784% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.3653% | 3,038 |
| Noncurrent loans to loans | 0.2970% | 3,475 |
| Net loans and leases to total assets | 61.0735% | 3,581 |
| Net loans and leases to deposits | 68.8446% | 3,853 |
| Net loans and leases to core deposits | 69.4258% | 4,082 |
| Total domestic deposits to total assets | 88.7120% | 737 |
| Equity capital to assets | 9.9583% | 4,060 |
| Core capital (leverage) ratio | 10.3917% | 3,213 |
| Tier 1 risk-based capital ratio | 13.5746% | 3,528 |
| Total risk-based capital ratio | 14.7501% | 3,479 |
| Memoranda: | ||
| Average total assets | $438,343,000 | 1,608 |
| Average earning assets | $398,684,750 | 1,638 |
| Average equity | $44,203,750 | 1,791 |
| Average total loans | $285,691,000 | 1,676 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1647% | 1,057 |
| Cost of funding earning assets | 0.7364% | 2,967 |
| Net interest margin | 4.4282% | 893 |
| Noninterest income to average assets | 0.2476% | 4,266 |
| Noninterest expense to average assets | 2.5900% | 3,213 |
| Loan and lease loss provision to assets | 0.2032% | 833 |
| Net operating income to assets | 1.4846% | 1,188 |
| Return on assets (ROA) | 1.4846% | 1,238 |
| Pretax return on assets | 1.4846% | 1,907 |
| Return on Equity (ROE) | 14.6581% | 838 |
| Retained earnings to average equity (ytd only) | 1.6145% | 4,242 |
| Net charge-offs to loans | 0.0989% | 1,382 |
| Credit loss provision to net charge-offs | 309.8592% | 877 |
| Earnings coverage of net charge-offs (x) | 25.7324% | 1,586 |
| Efficiency ratio | 60.5442% | 3,649 |
| Assets per employee ($millions) | 5.5632% | 1,913 |
| Cash dividends to net income (ytd only)* | 88.9857% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1737% | 2,656 |
| Loan loss allowance to noncurrent loans | 407.5179% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.3832% | 2,972 |
| Noncurrent loans to loans | 0.2880% | 3,498 |
| Net loans and leases to total assets | 66.2654% | 3,075 |
| Net loans and leases to deposits | 74.9134% | 3,434 |
| Net loans and leases to core deposits | 75.6985% | 3,757 |
| Total domestic deposits to total assets | 88.4561% | 895 |
| Equity capital to assets | 10.2441% | 3,752 |
| Core capital (leverage) ratio | 10.5085% | 3,079 |
| Tier 1 risk-based capital ratio | 13.0665% | 3,804 |
| Total risk-based capital ratio | 14.1653% | 3,783 |
| Memoranda: | ||
| Average total assets | $432,972,000 | 1,623 |
| Average earning assets | $394,061,000 | 1,657 |
| Average equity | $43,853,000 | 1,799 |
| Average total loans | $287,205,000 | 1,676 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0485% | 1,218 |
| Cost of funding earning assets | 0.7482% | 2,798 |
| Net interest margin | 4.3003% | 1,092 |
| Noninterest income to average assets | 0.2728% | 4,055 |
| Noninterest expense to average assets | 2.5813% | 3,268 |
| Loan and lease loss provision to assets | 0.1665% | 1,009 |
| Net operating income to assets | 1.4428% | 1,259 |
| Return on assets (ROA) | 1.4428% | 1,286 |
| Pretax return on assets | 1.4428% | 1,952 |
| Return on Equity (ROE) | 14.3272% | 895 |
| Retained earnings to average equity (ytd only) | 2.2960% | 3,982 |
| Net charge-offs to loans | 0.0028% | 2,647 |
| Credit loss provision to net charge-offs | 9,000.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 870.0000% | 65 |
| Efficiency ratio | 61.5979% | 3,593 |
| Assets per employee ($millions) | 5.5911% | 1,893 |
| Cash dividends to net income (ytd only)* | 83.9744% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1506% | 2,848 |
| Loan loss allowance to noncurrent loans | 236.8799% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.5345% | 2,500 |
| Noncurrent loans to loans | 0.4857% | 2,854 |
| Net loans and leases to total assets | 65.7552% | 3,091 |
| Net loans and leases to deposits | 74.2732% | 3,430 |
| Net loans and leases to core deposits | 75.2697% | 3,711 |
| Total domestic deposits to total assets | 88.5315% | 1,072 |
| Equity capital to assets | 10.1912% | 3,632 |
| Core capital (leverage) ratio | 10.5038% | 3,047 |
| Tier 1 risk-based capital ratio | 13.2540% | 3,737 |
| Total risk-based capital ratio | 14.3233% | 3,751 |
| Memoranda: | ||
| Average total assets | $432,495,000 | 1,624 |
| Average earning assets | $394,016,500 | 1,663 |
| Average equity | $43,553,500 | 1,796 |
| Average total loans | $285,328,500 | 1,692 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7830% | 1,582 |
| Cost of funding earning assets | 0.5960% | 2,751 |
| Net interest margin | 4.1870% | 1,427 |
| Noninterest income to average assets | 0.3130% | 4,027 |
| Noninterest expense to average assets | 2.4450% | 3,756 |
| Loan and lease loss provision to assets | 0.0239% | 3,693 |
| Net operating income to assets | 1.6570% | 761 |
| Return on assets (ROA) | 1.6570% | 758 |
| Pretax return on assets | 1.6570% | 1,290 |
| Return on Equity (ROE) | 16.2955% | 565 |
| Retained earnings to average equity (ytd only) | 1.2318% | 4,639 |
| Net charge-offs to loans | 0.0919% | 1,854 |
| Credit loss provision to net charge-offs | 39.6825% | 3,290 |
| Earnings coverage of net charge-offs (x) | 27.9563% | 1,669 |
| Efficiency ratio | 59.2610% | 3,975 |
| Assets per employee ($millions) | 5.7167% | 1,756 |
| Cash dividends to net income (ytd only)* | 92.4406% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0965% | 3,121 |
| Loan loss allowance to noncurrent loans | 172.0199% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 0.6265% | 2,166 |
| Noncurrent loans to loans | 0.6374% | 2,392 |
| Net loans and leases to total assets | 64.7123% | 3,278 |
| Net loans and leases to deposits | 72.9810% | 3,589 |
| Net loans and leases to core deposits | 73.9313% | 3,860 |
| Total domestic deposits to total assets | 88.6702% | 993 |
| Equity capital to assets | 9.9505% | 3,728 |
| Core capital (leverage) ratio | 10.3102% | 3,240 |
| Tier 1 risk-based capital ratio | 13.4639% | 3,567 |
| Total risk-based capital ratio | 14.5019% | 3,575 |
| Memoranda: | ||
| Average total assets | $419,136,000 | 1,632 |
| Average earning assets | $381,681,400 | 1,664 |
| Average equity | $42,619,200 | 1,752 |
| Average total loans | $274,252,600 | 1,705 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6761% | 1,746 |
| Cost of funding earning assets | 0.5558% | 2,828 |
| Net interest margin | 4.1203% | 1,570 |
| Noninterest income to average assets | 0.3130% | 4,057 |
| Noninterest expense to average assets | 2.4037% | 3,848 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6604% | 816 |
| Return on assets (ROA) | 1.6604% | 824 |
| Pretax return on assets | 1.6604% | 1,381 |
| Return on Equity (ROE) | 16.2385% | 658 |
| Retained earnings to average equity (ytd only) | 0.7912% | 4,902 |
| Net charge-offs to loans | 0.0034% | 3,347 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 739.1029% | 116 |
| Efficiency ratio | 59.1437% | 3,945 |
| Assets per employee ($millions) | 6.0402% | 1,460 |
| Cash dividends to net income (ytd only)* | 95.1276% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1625% | 2,834 |
| Loan loss allowance to noncurrent loans | 117.8894% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 0.9145% | 1,615 |
| Noncurrent loans to loans | 0.9861% | 1,727 |
| Net loans and leases to total assets | 63.7703% | 3,456 |
| Net loans and leases to deposits | 71.7806% | 3,790 |
| Net loans and leases to core deposits | 72.7699% | 4,025 |
| Total domestic deposits to total assets | 88.8406% | 899 |
| Equity capital to assets | 9.8373% | 3,792 |
| Core capital (leverage) ratio | 10.5863% | 2,991 |
| Tier 1 risk-based capital ratio | 13.2392% | 3,767 |
| Total risk-based capital ratio | 14.3101% | 3,784 |
| Memoranda: | ||
| Average total assets | $415,302,000 | 1,653 |
| Average earning assets | $378,086,500 | 1,690 |
| Average equity | $42,466,000 | 1,765 |
| Average total loans | $271,747,250 | 1,718 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6248% | 1,712 |
| Cost of funding earning assets | 0.5267% | 2,786 |
| Net interest margin | 4.0981% | 1,569 |
| Noninterest income to average assets | 0.3073% | 4,116 |
| Noninterest expense to average assets | 2.4199% | 3,847 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6141% | 894 |
| Return on assets (ROA) | 1.6141% | 900 |
| Pretax return on assets | 1.6141% | 1,456 |
| Return on Equity (ROE) | 15.5758% | 743 |
| Retained earnings to average equity (ytd only) | -3.8762% | 5,248 |
| Net charge-offs to loans | 0.0052% | 2,980 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 471.2857% | 189 |
| Efficiency ratio | 59.9879% | 3,936 |
| Assets per employee ($millions) | 5.7545% | 1,676 |
| Cash dividends to net income (ytd only)* | 124.8863% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1936% | 2,769 |
| Loan loss allowance to noncurrent loans | 115.0617% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 1.0042% | 1,497 |
| Noncurrent loans to loans | 1.0374% | 1,692 |
| Net loans and leases to total assets | 67.0352% | 3,007 |
| Net loans and leases to deposits | 75.9441% | 3,342 |
| Net loans and leases to core deposits | 77.0811% | 3,656 |
| Total domestic deposits to total assets | 88.2691% | 1,238 |
| Equity capital to assets | 10.3762% | 3,244 |
| Core capital (leverage) ratio | 10.6041% | 2,920 |
| Tier 1 risk-based capital ratio | 13.1848% | 3,799 |
| Total risk-based capital ratio | 14.2781% | 3,796 |
| Memoranda: | ||
| Average total assets | $408,770,330 | 1,685 |
| Average earning assets | $371,736,330 | 1,723 |
| Average equity | $42,360,670 | 1,773 |
| Average total loans | $268,797,330 | 1,740 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5024% | 1,857 |
| Cost of funding earning assets | 0.4854% | 2,904 |
| Net interest margin | 4.0169% | 1,670 |
| Noninterest income to average assets | 0.3050% | 4,123 |
| Noninterest expense to average assets | 2.4258% | 3,876 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5369% | 988 |
| Return on assets (ROA) | 1.5369% | 996 |
| Pretax return on assets | 1.5369% | 1,576 |
| Return on Equity (ROE) | 14.8397% | 828 |
| Retained earnings to average equity (ytd only) | -3.9210% | 5,134 |
| Net charge-offs to loans | 0.0015% | 2,677 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 1,582.0000% | 36 |
| Efficiency ratio | 61.2160% | 3,913 |
| Assets per employee ($millions) | 5.9544% | 1,549 |
| Cash dividends to net income (ytd only)* | 126.4223% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2361% | 2,599 |
| Loan loss allowance to noncurrent loans | 198.6626% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.6850% | 2,277 |
| Noncurrent loans to loans | 0.6222% | 2,673 |
| Net loans and leases to total assets | 62.6443% | 3,468 |
| Net loans and leases to deposits | 70.7375% | 3,727 |
| Net loans and leases to core deposits | 71.8118% | 3,979 |
| Total domestic deposits to total assets | 88.5588% | 1,327 |
| Equity capital to assets | 10.1411% | 3,461 |
| Core capital (leverage) ratio | 10.6275% | 2,821 |
| Tier 1 risk-based capital ratio | 13.7206% | 3,534 |
| Total risk-based capital ratio | 14.8496% | 3,511 |
| Memoranda: | ||
| Average total assets | $411,747,000 | 1,678 |
| Average earning assets | $374,912,500 | 1,723 |
| Average equity | $42,642,500 | 1,767 |
| Average total loans | $266,550,500 | 1,764 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4423% | 1,912 |
| Cost of funding earning assets | 0.3268% | 3,904 |
| Net interest margin | 4.1155% | 1,385 |
| Noninterest income to average assets | 0.3183% | 4,184 |
| Noninterest expense to average assets | 2.4804% | 3,849 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.5527% | 718 |
| Return on assets (ROA) | 1.5527% | 731 |
| Pretax return on assets | 1.5527% | 1,445 |
| Return on Equity (ROE) | 14.9175% | 617 |
| Retained earnings to average equity (ytd only) | 12.0568% | 176 |
| Net charge-offs to loans | -0.0061% | 4,676 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5008% | 4,014 |
| Assets per employee ($millions) | 5.8098% | 1,647 |
| Cash dividends to net income (ytd only)* | 19.1767% | 3,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2165% | 2,681 |
| Loan loss allowance to noncurrent loans | 195.5144% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.7087% | 2,202 |
| Noncurrent loans to loans | 0.6222% | 2,670 |
| Net loans and leases to total assets | 65.2734% | 3,190 |
| Net loans and leases to deposits | 74.1827% | 3,507 |
| Net loans and leases to core deposits | 75.4426% | 3,782 |
| Total domestic deposits to total assets | 87.9900% | 1,508 |
| Equity capital to assets | 10.5772% | 3,079 |
| Core capital (leverage) ratio | 10.6616% | 2,686 |
| Tier 1 risk-based capital ratio | 14.2016% | 3,251 |
| Total risk-based capital ratio | 15.3593% | 3,203 |
| Memoranda: | ||
| Average total assets | $389,567,600 | 1,754 |
| Average earning assets | $351,642,000 | 1,793 |
| Average equity | $40,549,800 | 1,840 |
| Average total loans | $263,638,000 | 1,742 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3950% | 1,973 |
| Cost of funding earning assets | 0.2985% | 4,146 |
| Net interest margin | 4.0965% | 1,400 |
| Noninterest income to average assets | 0.3263% | 4,202 |
| Noninterest expense to average assets | 2.4909% | 3,771 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.5251% | 851 |
| Return on assets (ROA) | 1.5251% | 873 |
| Pretax return on assets | 1.5251% | 1,687 |
| Return on Equity (ROE) | 14.7142% | 698 |
| Retained earnings to average equity (ytd only) | 11.6759% | 323 |
| Net charge-offs to loans | -0.0081% | 4,574 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0250% | 3,879 |
| Assets per employee ($millions) | 5.8357% | 1,621 |
| Cash dividends to net income (ytd only)* | 20.6489% | 3,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2089% | 2,882 |
| Loan loss allowance to noncurrent loans | 160.0881% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.8076% | 2,129 |
| Noncurrent loans to loans | 0.7551% | 2,474 |
| Net loans and leases to total assets | 66.3462% | 3,062 |
| Net loans and leases to deposits | 75.2091% | 3,449 |
| Net loans and leases to core deposits | 76.8784% | 3,734 |
| Total domestic deposits to total assets | 88.2157% | 1,248 |
| Equity capital to assets | 10.3841% | 3,497 |
| Core capital (leverage) ratio | 10.5838% | 2,899 |
| Tier 1 risk-based capital ratio | 13.4458% | 3,736 |
| Total risk-based capital ratio | 14.5650% | 3,725 |
| Memoranda: | ||
| Average total assets | $385,288,250 | 1,784 |
| Average earning assets | $347,020,750 | 1,825 |
| Average equity | $39,933,250 | 1,876 |
| Average total loans | $262,366,000 | 1,760 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3602% | 1,941 |
| Cost of funding earning assets | 0.2596% | 4,466 |
| Net interest margin | 4.1006% | 1,323 |
| Noninterest income to average assets | 0.3315% | 4,171 |
| Noninterest expense to average assets | 2.5291% | 3,666 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4899% | 887 |
| Return on assets (ROA) | 1.4899% | 908 |
| Pretax return on assets | 1.4899% | 1,691 |
| Return on Equity (ROE) | 14.3843% | 760 |
| Retained earnings to average equity (ytd only) | 9.7541% | 630 |
| Net charge-offs to loans | -0.0062% | 4,382 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9295% | 3,832 |
| Assets per employee ($millions) | 5.5548% | 1,825 |
| Cash dividends to net income (ytd only)* | 32.1896% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2507% | 2,684 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3157% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 67.1758% | 2,925 |
| Net loans and leases to deposits | 76.2801% | 3,311 |
| Net loans and leases to core deposits | 78.1421% | 3,580 |
| Total domestic deposits to total assets | 88.0646% | 1,424 |
| Equity capital to assets | 10.5244% | 3,306 |
| Core capital (leverage) ratio | 10.8846% | 2,522 |
| Tier 1 risk-based capital ratio | 13.4449% | 3,723 |
| Total risk-based capital ratio | 14.5984% | 3,698 |
| Memoranda: | ||
| Average total assets | $379,497,000 | 1,808 |
| Average earning assets | $341,265,000 | 1,850 |
| Average equity | $39,306,670 | 1,903 |
| Average total loans | $259,681,330 | 1,767 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3391% | 1,850 |
| Cost of funding earning assets | 0.2247% | 4,759 |
| Net interest margin | 4.1144% | 1,184 |
| Noninterest income to average assets | 0.4258% | 3,471 |
| Noninterest expense to average assets | 2.6610% | 3,276 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4703% | 861 |
| Return on assets (ROA) | 1.4703% | 886 |
| Pretax return on assets | 1.4703% | 1,635 |
| Return on Equity (ROE) | 14.3126% | 749 |
| Retained earnings to average equity (ytd only) | 11.2191% | 568 |
| Net charge-offs to loans | -0.0123% | 4,511 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4103% | 3,768 |
| Assets per employee ($millions) | 5.7727% | 1,672 |
| Cash dividends to net income (ytd only)* | 21.6138% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2894% | 2,590 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3176% | 3,924 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 65.5258% | 3,043 |
| Net loans and leases to deposits | 74.2389% | 3,376 |
| Net loans and leases to core deposits | 76.0575% | 3,645 |
| Total domestic deposits to total assets | 88.2635% | 1,552 |
| Equity capital to assets | 10.3337% | 3,372 |
| Core capital (leverage) ratio | 10.7859% | 2,611 |
| Tier 1 risk-based capital ratio | 13.4919% | 3,781 |
| Total risk-based capital ratio | 14.6684% | 3,741 |
| Memoranda: | ||
| Average total assets | $377,605,000 | 1,827 |
| Average earning assets | $340,074,000 | 1,870 |
| Average equity | $38,791,000 | 1,934 |
| Average total loans | $259,155,500 | 1,779 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4007% | 1,820 |
| Cost of funding earning assets | 0.2391% | 4,662 |
| Net interest margin | 4.1615% | 1,206 |
| Noninterest income to average assets | 1.5263% | 517 |
| Noninterest expense to average assets | 2.8613% | 2,809 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.3612% | 179 |
| Return on assets (ROA) | 2.3612% | 184 |
| Pretax return on assets | 2.3612% | 248 |
| Return on Equity (ROE) | 23.4442% | 110 |
| Retained earnings to average equity (ytd only) | 16.7778% | 76 |
| Net charge-offs to loans | -0.0027% | 4,739 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7884% | 5,173 |
| Assets per employee ($millions) | 5.6699% | 1,720 |
| Cash dividends to net income (ytd only)* | 28.4352% | 3,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2257% | 2,966 |
| Loan loss allowance to noncurrent loans | 2,391.9118% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.3864% | 3,725 |
| Noncurrent loans to loans | 0.0512% | 5,040 |
| Net loans and leases to total assets | 70.0525% | 2,460 |
| Net loans and leases to deposits | 79.3227% | 2,963 |
| Net loans and leases to core deposits | 81.6575% | 3,237 |
| Total domestic deposits to total assets | 88.3133% | 1,481 |
| Equity capital to assets | 10.2111% | 3,480 |
| Core capital (leverage) ratio | 10.6000% | 2,772 |
| Tier 1 risk-based capital ratio | 12.9054% | 4,128 |
| Total risk-based capital ratio | 14.0598% | 4,091 |
| Memoranda: | ||
| Average total assets | $359,696,000 | 1,854 |
| Average earning assets | $319,473,800 | 1,922 |
| Average equity | $36,226,400 | 2,013 |
| Average total loans | $259,804,800 | 1,735 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4386% | 1,731 |
| Cost of funding earning assets | 0.2522% | 4,584 |
| Net interest margin | 4.1864% | 1,156 |
| Noninterest income to average assets | 1.9498% | 361 |
| Noninterest expense to average assets | 2.9548% | 2,445 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.6991% | 120 |
| Return on assets (ROA) | 2.6991% | 122 |
| Pretax return on assets | 2.6991% | 166 |
| Return on Equity (ROE) | 26.8972% | 60 |
| Retained earnings to average equity (ytd only) | 24.9008% | 30 |
| Net charge-offs to loans | -0.0031% | 4,534 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2617% | 5,368 |
| Assets per employee ($millions) | 5.4087% | 1,943 |
| Cash dividends to net income (ytd only)* | 7.4224% | 3,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2162% | 3,137 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3615% | 3,971 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 72.8922% | 2,036 |
| Net loans and leases to deposits | 83.8965% | 2,497 |
| Net loans and leases to core deposits | 86.1220% | 2,939 |
| Total domestic deposits to total assets | 86.8835% | 1,940 |
| Equity capital to assets | 10.8002% | 3,243 |
| Core capital (leverage) ratio | 10.9756% | 2,474 |
| Tier 1 risk-based capital ratio | 13.1115% | 4,094 |
| Total risk-based capital ratio | 14.2663% | 4,067 |
| Memoranda: | ||
| Average total assets | $356,067,000 | 1,882 |
| Average earning assets | $315,047,000 | 1,947 |
| Average equity | $35,730,250 | 2,046 |
| Average total loans | $258,406,500 | 1,746 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4334% | 1,728 |
| Cost of funding earning assets | 0.2765% | 4,382 |
| Net interest margin | 4.1569% | 1,211 |
| Noninterest income to average assets | 2.7845% | 224 |
| Noninterest expense to average assets | 3.1342% | 1,964 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 3.3201% | 79 |
| Return on assets (ROA) | 3.3201% | 79 |
| Pretax return on assets | 3.3201% | 102 |
| Return on Equity (ROE) | 33.9709% | 32 |
| Retained earnings to average equity (ytd only) | 31.6584% | 17 |
| Net charge-offs to loans | -0.0047% | 4,509 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5599% | 5,645 |
| Assets per employee ($millions) | 5.3560% | 1,931 |
| Cash dividends to net income (ytd only)* | 6.8074% | 3,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2454% | 3,100 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3763% | 3,981 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 74.0726% | 1,827 |
| Net loans and leases to deposits | 85.3773% | 2,315 |
| Net loans and leases to core deposits | 87.7085% | 2,759 |
| Total domestic deposits to total assets | 86.7591% | 2,032 |
| Equity capital to assets | 10.9045% | 3,162 |
| Core capital (leverage) ratio | 10.8587% | 2,583 |
| Tier 1 risk-based capital ratio | 13.1732% | 4,089 |
| Total risk-based capital ratio | 14.3699% | 4,049 |
| Memoranda: | ||
| Average total assets | $353,961,670 | 1,888 |
| Average earning assets | $312,492,670 | 1,974 |
| Average equity | $34,594,330 | 2,112 |
| Average total loans | $255,408,330 | 1,766 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3506% | 1,960 |
| Cost of funding earning assets | 0.3263% | 3,886 |
| Net interest margin | 4.0244% | 1,544 |
| Noninterest income to average assets | 0.3732% | 4,050 |
| Noninterest expense to average assets | 2.6250% | 3,674 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3013% | 1,247 |
| Return on assets (ROA) | 1.3013% | 1,335 |
| Pretax return on assets | 1.3013% | 2,297 |
| Return on Equity (ROE) | 14.1112% | 814 |
| Retained earnings to average equity (ytd only) | 14.1112% | 313 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8570% | 3,657 |
| Assets per employee ($millions) | 5.6022% | 1,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2394% | 3,258 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7143% | 2,927 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 71.0336% | 2,186 |
| Net loans and leases to deposits | 83.9837% | 2,306 |
| Net loans and leases to core deposits | 86.2979% | 2,723 |
| Total domestic deposits to total assets | 84.5802% | 3,285 |
| Equity capital to assets | 9.2217% | 4,971 |
| Core capital (leverage) ratio | 9.3944% | 4,354 |
| Tier 1 risk-based capital ratio | 11.5332% | 5,221 |
| Total risk-based capital ratio | 17.8382% | 2,392 |
| Memoranda: | ||
| Average total assets | $356,871,500 | 1,877 |
| Average earning assets | $315,081,500 | 1,972 |
| Average equity | $32,910,000 | 2,201 |
| Average total loans | $252,547,500 | 1,780 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3700% | 1,998 |
| Cost of funding earning assets | 0.3028% | 4,212 |
| Net interest margin | 4.0671% | 1,495 |
| Noninterest income to average assets | 0.3330% | 4,519 |
| Noninterest expense to average assets | 3.0216% | 2,474 |
| Loan and lease loss provision to assets | -0.0903% | 5,839 |
| Net operating income to assets | 0.8877% | 2,943 |
| Return on assets (ROA) | 0.8877% | 3,023 |
| Pretax return on assets | 0.8877% | 3,894 |
| Return on Equity (ROE) | 9.3029% | 2,320 |
| Retained earnings to average equity (ytd only) | 5.3457% | 2,174 |
| Net charge-offs to loans | -0.0099% | 5,110 |
| Credit loss provision to net charge-offs | 1,304.3478% | 259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1217% | 1,799 |
| Assets per employee ($millions) | 5.2970% | 2,014 |
| Cash dividends to net income (ytd only)* | 42.5373% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3348% | 2,733 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7440% | 2,828 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 68.6324% | 2,606 |
| Net loans and leases to deposits | 81.4371% | 2,657 |
| Net loans and leases to core deposits | 83.9344% | 2,971 |
| Total domestic deposits to total assets | 84.2766% | 3,375 |
| Equity capital to assets | 9.2220% | 4,878 |
| Core capital (leverage) ratio | 9.4012% | 4,317 |
| Tier 1 risk-based capital ratio | 11.4441% | 5,292 |
| Total risk-based capital ratio | 17.9091% | 2,365 |
| Memoranda: | ||
| Average total assets | $332,106,400 | 1,981 |
| Average earning assets | $284,647,200 | 2,105 |
| Average equity | $31,689,200 | 2,215 |
| Average total loans | $231,679,600 | 1,853 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4159% | 1,879 |
| Cost of funding earning assets | 0.3054% | 4,273 |
| Net interest margin | 4.1105% | 1,386 |
| Noninterest income to average assets | 0.3609% | 4,350 |
| Noninterest expense to average assets | 3.0679% | 2,311 |
| Loan and lease loss provision to assets | -0.1220% | 6,032 |
| Net operating income to assets | 0.9194% | 2,863 |
| Return on assets (ROA) | 0.9194% | 2,953 |
| Pretax return on assets | 0.9194% | 3,916 |
| Return on Equity (ROE) | 9.5503% | 2,294 |
| Retained earnings to average equity (ytd only) | 5.9415% | 2,284 |
| Net charge-offs to loans | -0.0087% | 4,946 |
| Credit loss provision to net charge-offs | 2,000.0000% | 187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3706% | 1,747 |
| Assets per employee ($millions) | 5.1737% | 2,095 |
| Cash dividends to net income (ytd only)* | 37.7876% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4040% | 2,579 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8329% | 2,788 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 67.6162% | 2,751 |
| Net loans and leases to deposits | 80.7759% | 2,790 |
| Net loans and leases to core deposits | 83.4067% | 3,111 |
| Total domestic deposits to total assets | 83.7083% | 3,534 |
| Equity capital to assets | 9.5338% | 4,713 |
| Core capital (leverage) ratio | 9.5568% | 4,225 |
| Tier 1 risk-based capital ratio | 11.6394% | 5,300 |
| Total risk-based capital ratio | 18.2705% | 2,317 |
| Memoranda: | ||
| Average total assets | $327,733,000 | 2,019 |
| Average earning assets | $279,409,500 | 2,153 |
| Average equity | $31,551,500 | 2,238 |
| Average total loans | $228,803,250 | 1,882 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4881% | 1,576 |
| Cost of funding earning assets | 0.3062% | 4,330 |
| Net interest margin | 4.1818% | 1,144 |
| Noninterest income to average assets | 0.4439% | 3,752 |
| Noninterest expense to average assets | 3.1772% | 2,043 |
| Loan and lease loss provision to assets | -0.1847% | 6,171 |
| Net operating income to assets | 0.9905% | 2,435 |
| Return on assets (ROA) | 0.9905% | 2,547 |
| Pretax return on assets | 0.9905% | 3,621 |
| Return on Equity (ROE) | 10.2544% | 1,957 |
| Retained earnings to average equity (ytd only) | 9.5916% | 757 |
| Net charge-offs to loans | -0.0140% | 5,036 |
| Credit loss provision to net charge-offs | 1,875.0000% | 205 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7682% | 1,795 |
| Assets per employee ($millions) | 5.0366% | 2,232 |
| Cash dividends to net income (ytd only)* | 6.4636% | 3,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3734% | 2,884 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7402% | 1,351 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 71.0468% | 2,155 |
| Net loans and leases to deposits | 85.3440% | 2,127 |
| Net loans and leases to core deposits | 89.0837% | 2,442 |
| Total domestic deposits to total assets | 83.2476% | 3,852 |
| Equity capital to assets | 9.8176% | 4,256 |
| Core capital (leverage) ratio | 9.9768% | 3,637 |
| Tier 1 risk-based capital ratio | 11.4566% | 5,492 |
| Total risk-based capital ratio | 17.9053% | 2,486 |
| Memoranda: | ||
| Average total assets | $324,881,330 | 2,048 |
| Average earning assets | $274,951,000 | 2,198 |
| Average equity | $31,381,670 | 2,253 |
| Average total loans | $228,196,670 | 1,897 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2145% | 2,396 |
| Cost of funding earning assets | 0.3058% | 4,377 |
| Net interest margin | 3.9087% | 1,865 |
| Noninterest income to average assets | 0.3955% | 4,041 |
| Noninterest expense to average assets | 2.8551% | 3,050 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8269% | 3,133 |
| Return on assets (ROA) | 0.8269% | 3,256 |
| Pretax return on assets | 0.8269% | 4,144 |
| Return on Equity (ROE) | 8.6317% | 2,631 |
| Retained earnings to average equity (ytd only) | 7.2899% | 1,865 |
| Net charge-offs to loans | 0.0018% | 3,250 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 669.0000% | 74 |
| Efficiency ratio | 77.5428% | 2,259 |
| Assets per employee ($millions) | 5.0105% | 2,343 |
| Cash dividends to net income (ytd only)* | 15.5456% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5528% | 2,226 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.0938% | 1,107 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 68.5619% | 2,356 |
| Net loans and leases to deposits | 82.1570% | 2,326 |
| Net loans and leases to core deposits | 85.6122% | 2,592 |
| Total domestic deposits to total assets | 83.4522% | 4,027 |
| Equity capital to assets | 9.6171% | 4,615 |
| Core capital (leverage) ratio | 9.9270% | 3,703 |
| Tier 1 risk-based capital ratio | 11.4366% | 5,590 |
| Total risk-based capital ratio | 18.1398% | 2,476 |
| Memoranda: | ||
| Average total assets | $323,632,000 | 2,059 |
| Average earning assets | $272,109,000 | 2,234 |
| Average equity | $31,002,000 | 2,294 |
| Average total loans | $224,379,000 | 1,918 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0802% | 3,398 |
| Cost of funding earning assets | 0.3164% | 4,618 |
| Net interest margin | 3.7638% | 2,757 |
| Noninterest income to average assets | 0.9303% | 1,412 |
| Noninterest expense to average assets | 3.1638% | 2,316 |
| Loan and lease loss provision to assets | -0.8273% | 6,481 |
| Net operating income to assets | 1.7430% | 526 |
| Return on assets (ROA) | 1.7430% | 538 |
| Pretax return on assets | 1.7430% | 903 |
| Return on Equity (ROE) | 17.5149% | 442 |
| Retained earnings to average equity (ytd only) | 17.5149% | 95 |
| Net charge-offs to loans | 0.0137% | 4,612 |
| Credit loss provision to net charge-offs | -8,833.3333% | 6,087 |
| Earnings coverage of net charge-offs (x) | 97.7667% | 536 |
| Efficiency ratio | 77.5541% | 2,269 |
| Assets per employee ($millions) | 4.9474% | 2,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5873% | 2,136 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.1204% | 1,163 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 67.9203% | 2,569 |
| Net loans and leases to deposits | 81.4793% | 2,545 |
| Net loans and leases to core deposits | 84.7871% | 2,807 |
| Total domestic deposits to total assets | 83.3589% | 3,959 |
| Equity capital to assets | 9.5412% | 4,668 |
| Core capital (leverage) ratio | 9.6503% | 4,033 |
| Tier 1 risk-based capital ratio | 11.5323% | 5,643 |
| Total risk-based capital ratio | 18.3824% | 2,422 |
| Memoranda: | ||
| Average total assets | $320,311,600 | 2,028 |
| Average earning assets | $268,002,600 | 2,211 |
| Average equity | $31,875,800 | 2,171 |
| Average total loans | $219,421,000 | 1,905 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0331% | 3,629 |
| Cost of funding earning assets | 0.3174% | 4,700 |
| Net interest margin | 3.7156% | 2,958 |
| Noninterest income to average assets | 1.0504% | 1,112 |
| Noninterest expense to average assets | 3.0854% | 2,510 |
| Loan and lease loss provision to assets | -0.8333% | 6,562 |
| Net operating income to assets | 1.9050% | 415 |
| Return on assets (ROA) | 1.9050% | 431 |
| Pretax return on assets | 1.9050% | 715 |
| Return on Equity (ROE) | 18.9465% | 354 |
| Retained earnings to average equity (ytd only) | 18.9465% | 86 |
| Net charge-offs to loans | 0.0353% | 3,781 |
| Credit loss provision to net charge-offs | -3,448.2759% | 6,015 |
| Earnings coverage of net charge-offs (x) | 44.3457% | 1,057 |
| Efficiency ratio | 74.2207% | 2,785 |
| Assets per employee ($millions) | 4.9448% | 2,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8173% | 1,657 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.4850% | 1,071 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 69.6729% | 2,247 |
| Net loans and leases to deposits | 83.7312% | 2,190 |
| Net loans and leases to core deposits | 87.0225% | 2,541 |
| Total domestic deposits to total assets | 83.2102% | 4,062 |
| Equity capital to assets | 9.6541% | 4,604 |
| Core capital (leverage) ratio | 9.8327% | 3,899 |
| Tier 1 risk-based capital ratio | 11.7785% | 5,624 |
| Total risk-based capital ratio | 18.6618% | 2,388 |
| Memoranda: | ||
| Average total assets | $319,993,750 | 2,045 |
| Average earning assets | $267,547,000 | 2,225 |
| Average equity | $32,174,000 | 2,162 |
| Average total loans | $218,790,500 | 1,924 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8786% | 4,226 |
| Cost of funding earning assets | 0.3180% | 4,783 |
| Net interest margin | 3.5606% | 3,527 |
| Noninterest income to average assets | 1.3871% | 628 |
| Noninterest expense to average assets | 3.1823% | 2,245 |
| Loan and lease loss provision to assets | -1.2519% | 6,643 |
| Net operating income to assets | 2.4349% | 157 |
| Return on assets (ROA) | 2.4349% | 163 |
| Pretax return on assets | 2.4349% | 240 |
| Return on Equity (ROE) | 23.8975% | 143 |
| Retained earnings to average equity (ytd only) | 23.8975% | 52 |
| Net charge-offs to loans | 0.0788% | 2,906 |
| Credit loss provision to net charge-offs | -2,352.9412% | 5,835 |
| Earnings coverage of net charge-offs (x) | 22.2353% | 1,512 |
| Efficiency ratio | 72.8993% | 3,174 |
| Assets per employee ($millions) | 4.9677% | 2,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8277% | 1,769 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.6108% | 1,037 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 70.6762% | 1,969 |
| Net loans and leases to deposits | 85.7024% | 1,853 |
| Net loans and leases to core deposits | 89.1392% | 2,199 |
| Total domestic deposits to total assets | 82.4670% | 4,483 |
| Equity capital to assets | 10.9533% | 2,922 |
| Core capital (leverage) ratio | 11.0294% | 2,395 |
| Tier 1 risk-based capital ratio | 12.9713% | 4,929 |
| Total risk-based capital ratio | 19.8419% | 1,992 |
| Memoranda: | ||
| Average total assets | $319,522,000 | 2,046 |
| Average earning assets | $267,261,000 | 2,228 |
| Average equity | $32,555,670 | 2,125 |
| Average total loans | $215,694,000 | 1,933 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6287% | 5,072 |
| Cost of funding earning assets | 0.3229% | 4,821 |
| Net interest margin | 3.3058% | 4,509 |
| Noninterest income to average assets | 1.6159% | 471 |
| Noninterest expense to average assets | 3.2788% | 1,993 |
| Loan and lease loss provision to assets | -2.4783% | 6,724 |
| Net operating income to assets | 3.5812% | 70 |
| Return on assets (ROA) | 3.5812% | 74 |
| Pretax return on assets | 3.5812% | 101 |
| Return on Equity (ROE) | 36.4744% | 42 |
| Retained earnings to average equity (ytd only) | 36.4744% | 26 |
| Net charge-offs to loans | 0.2105% | 1,489 |
| Credit loss provision to net charge-offs | -1,801.8018% | 5,452 |
| Earnings coverage of net charge-offs (x) | 8.0180% | 2,065 |
| Efficiency ratio | 74.8303% | 2,994 |
| Assets per employee ($millions) | 5.1619% | 2,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9415% | 1,643 |
| Loan loss allowance to noncurrent loans | 39.5362% | 5,585 |
| Noncurrent assets plus other real estate owned to assets | 6.0707% | 276 |
| Noncurrent loans to loans | 4.9108% | 459 |
| Net loans and leases to total assets | 63.5510% | 2,973 |
| Net loans and leases to deposits | 76.1525% | 2,797 |
| Net loans and leases to core deposits | 78.8394% | 3,109 |
| Total domestic deposits to total assets | 83.4523% | 4,463 |
| Equity capital to assets | 10.2008% | 3,599 |
| Core capital (leverage) ratio | 10.3443% | 3,124 |
| Tier 1 risk-based capital ratio | 13.2164% | 4,884 |
| Total risk-based capital ratio | 20.3642% | 1,897 |
| Memoranda: | ||
| Average total assets | $322,801,000 | 2,024 |
| Average earning assets | $270,072,500 | 2,216 |
| Average equity | $31,693,500 | 2,171 |
| Average total loans | $210,886,500 | 1,970 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9210% | 4,382 |
| Cost of funding earning assets | 0.4322% | 4,296 |
| Net interest margin | 3.4887% | 3,951 |
| Noninterest income to average assets | 0.8818% | 1,745 |
| Noninterest expense to average assets | 3.7327% | 1,235 |
| Loan and lease loss provision to assets | -0.5428% | 6,753 |
| Net operating income to assets | 0.4828% | 4,805 |
| Return on assets (ROA) | 0.4828% | 4,946 |
| Pretax return on assets | 0.4828% | 5,251 |
| Return on Equity (ROE) | 5.1138% | 4,571 |
| Retained earnings to average equity (ytd only) | 5.1138% | 2,517 |
| Net charge-offs to loans | -0.0304% | 6,231 |
| Credit loss provision to net charge-offs | 2,698.4127% | 86 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.6344% | 432 |
| Assets per employee ($millions) | 4.9293% | 2,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9396% | 508 |
| Loan loss allowance to noncurrent loans | 35.1246% | 5,788 |
| Noncurrent assets plus other real estate owned to assets | 9.0346% | 152 |
| Noncurrent loans to loans | 8.3692% | 176 |
| Net loans and leases to total assets | 63.9228% | 3,055 |
| Net loans and leases to deposits | 76.0262% | 2,965 |
| Net loans and leases to core deposits | 78.7897% | 3,269 |
| Total domestic deposits to total assets | 84.0800% | 4,132 |
| Equity capital to assets | 9.4300% | 4,517 |
| Core capital (leverage) ratio | 9.8661% | 3,748 |
| Tier 1 risk-based capital ratio | 12.1167% | 5,548 |
| Total risk-based capital ratio | 19.2915% | 2,200 |
| Memoranda: | ||
| Average total assets | $313,205,400 | 2,054 |
| Average earning assets | $250,551,000 | 2,318 |
| Average equity | $29,567,000 | 2,280 |
| Average total loans | $207,150,000 | 1,948 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9723% | 4,231 |
| Cost of funding earning assets | 0.4650% | 4,116 |
| Net interest margin | 3.5073% | 3,850 |
| Noninterest income to average assets | 0.7947% | 2,176 |
| Noninterest expense to average assets | 3.7690% | 1,125 |
| Loan and lease loss provision to assets | -0.4924% | 6,831 |
| Net operating income to assets | 0.2954% | 5,633 |
| Return on assets (ROA) | 0.2954% | 5,747 |
| Pretax return on assets | 0.2954% | 5,891 |
| Return on Equity (ROE) | 3.1286% | 5,560 |
| Retained earnings to average equity (ytd only) | 3.1286% | 4,445 |
| Net charge-offs to loans | -0.4093% | 6,762 |
| Credit loss provision to net charge-offs | 181.6746% | 1,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.5136% | 337 |
| Assets per employee ($millions) | 4.6793% | 2,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5161% | 334 |
| Loan loss allowance to noncurrent loans | 39.2675% | 5,658 |
| Noncurrent assets plus other real estate owned to assets | 11.2602% | 109 |
| Noncurrent loans to loans | 8.9542% | 177 |
| Net loans and leases to total assets | 65.0674% | 2,789 |
| Net loans and leases to deposits | 77.8432% | 2,695 |
| Net loans and leases to core deposits | 81.4614% | 2,939 |
| Total domestic deposits to total assets | 83.5878% | 4,353 |
| Equity capital to assets | 9.5644% | 4,469 |
| Core capital (leverage) ratio | 9.8370% | 3,907 |
| Tier 1 risk-based capital ratio | 11.8972% | 5,839 |
| Total risk-based capital ratio | 19.1168% | 2,335 |
| Memoranda: | ||
| Average total assets | $311,406,250 | 2,075 |
| Average earning assets | $246,600,750 | 2,375 |
| Average equity | $29,405,250 | 2,312 |
| Average total loans | $206,184,250 | 1,963 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9605% | 4,260 |
| Cost of funding earning assets | 0.5005% | 3,893 |
| Net interest margin | 3.4600% | 3,957 |
| Noninterest income to average assets | 0.9159% | 1,760 |
| Noninterest expense to average assets | 3.9960% | 869 |
| Loan and lease loss provision to assets | -0.7366% | 6,902 |
| Net operating income to assets | 0.3753% | 5,306 |
| Return on assets (ROA) | 0.3753% | 5,475 |
| Pretax return on assets | 0.3753% | 5,692 |
| Return on Equity (ROE) | 3.9917% | 5,221 |
| Retained earnings to average equity (ytd only) | 3.9917% | 3,752 |
| Net charge-offs to loans | -0.6103% | 6,840 |
| Credit loss provision to net charge-offs | 183.4131% | 1,299 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.9383% | 277 |
| Assets per employee ($millions) | 4.6700% | 2,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4715% | 380 |
| Loan loss allowance to noncurrent loans | 38.8933% | 5,676 |
| Noncurrent assets plus other real estate owned to assets | 11.8433% | 106 |
| Noncurrent loans to loans | 8.9258% | 203 |
| Net loans and leases to total assets | 66.0103% | 2,592 |
| Net loans and leases to deposits | 79.0651% | 2,449 |
| Net loans and leases to core deposits | 83.8589% | 2,579 |
| Total domestic deposits to total assets | 83.4886% | 4,511 |
| Equity capital to assets | 9.6604% | 4,369 |
| Core capital (leverage) ratio | 9.8145% | 3,775 |
| Tier 1 risk-based capital ratio | 11.7158% | 5,981 |
| Total risk-based capital ratio | 18.8444% | 2,446 |
| Memoranda: | ||
| Average total assets | $312,264,330 | 2,079 |
| Average earning assets | $245,375,000 | 2,395 |
| Average equity | $29,361,000 | 2,313 |
| Average total loans | $205,488,330 | 1,972 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9486% | 4,301 |
| Cost of funding earning assets | 0.5547% | 3,524 |
| Net interest margin | 3.3940% | 4,140 |
| Noninterest income to average assets | 0.9533% | 1,603 |
| Noninterest expense to average assets | 3.9467% | 946 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.3691% | 6,614 |
| Return on assets (ROA) | -0.3691% | 6,646 |
| Pretax return on assets | -0.3691% | 6,621 |
| Return on Equity (ROE) | -3.9789% | 6,647 |
| Retained earnings to average equity (ytd only) | -3.9789% | 6,272 |
| Net charge-offs to loans | -0.4910% | 6,853 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.3166% | 324 |
| Assets per employee ($millions) | 4.5540% | 2,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0238% | 282 |
| Loan loss allowance to noncurrent loans | 41.2894% | 5,550 |
| Noncurrent assets plus other real estate owned to assets | 15.3291% | 70 |
| Noncurrent loans to loans | 9.7455% | 222 |
| Net loans and leases to total assets | 63.2335% | 2,844 |
| Net loans and leases to deposits | 75.6246% | 2,696 |
| Net loans and leases to core deposits | 80.1577% | 2,785 |
| Total domestic deposits to total assets | 83.6150% | 4,626 |
| Equity capital to assets | 9.5009% | 4,849 |
| Core capital (leverage) ratio | 9.2345% | 4,505 |
| Tier 1 risk-based capital ratio | 11.4798% | 6,196 |
| Total risk-based capital ratio | 18.4943% | 2,631 |
| Memoranda: | ||
| Average total assets | $314,288,000 | 2,086 |
| Average earning assets | $243,020,500 | 2,446 |
| Average equity | $29,154,000 | 2,361 |
| Average total loans | $202,846,500 | 2,009 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6017% | 2,995 |
| Cost of funding earning assets | 0.7810% | 2,823 |
| Net interest margin | 3.8207% | 3,141 |
| Noninterest income to average assets | 0.6954% | 2,747 |
| Noninterest expense to average assets | 3.8921% | 1,107 |
| Loan and lease loss provision to assets | 0.3427% | 1,958 |
| Net operating income to assets | -0.6191% | 6,618 |
| Return on assets (ROA) | -0.6191% | 6,650 |
| Pretax return on assets | -0.6191% | 6,623 |
| Return on Equity (ROE) | -6.8127% | 6,649 |
| Retained earnings to average equity (ytd only) | -6.8127% | 6,519 |
| Net charge-offs to loans | 1.4674% | 617 |
| Credit loss provision to net charge-offs | 35.0095% | 5,022 |
| Earnings coverage of net charge-offs (x) | -0.2823% | 5,610 |
| Efficiency ratio | 107.6433% | 379 |
| Assets per employee ($millions) | 4.8277% | 2,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8306% | 320 |
| Loan loss allowance to noncurrent loans | 39.5920% | 5,647 |
| Noncurrent assets plus other real estate owned to assets | 16.2291% | 64 |
| Noncurrent loans to loans | 9.6753% | 252 |
| Net loans and leases to total assets | 60.8509% | 3,444 |
| Net loans and leases to deposits | 72.1955% | 3,381 |
| Net loans and leases to core deposits | 78.6084% | 3,186 |
| Total domestic deposits to total assets | 84.2863% | 4,188 |
| Equity capital to assets | 9.0643% | 5,449 |
| Core capital (leverage) ratio | 9.2309% | 4,522 |
| Tier 1 risk-based capital ratio | 11.2173% | 6,265 |
| Total risk-based capital ratio | 18.0985% | 2,691 |
| Memoranda: | ||
| Average total assets | $320,960,800 | 2,003 |
| Average earning assets | $245,323,400 | 2,365 |
| Average equity | $29,166,000 | 2,307 |
| Average total loans | $214,117,400 | 1,890 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7839% | 2,447 |
| Cost of funding earning assets | 0.8259% | 2,735 |
| Net interest margin | 3.9579% | 2,677 |
| Noninterest income to average assets | 0.8949% | 1,848 |
| Noninterest expense to average assets | 3.8812% | 1,087 |
| Loan and lease loss provision to assets | 1.1030% | 351 |
| Net operating income to assets | -1.0655% | 6,879 |
| Return on assets (ROA) | -1.0655% | 6,902 |
| Pretax return on assets | -1.0655% | 6,882 |
| Return on Equity (ROE) | -11.7182% | 6,890 |
| Retained earnings to average equity (ytd only) | -11.7182% | 6,854 |
| Net charge-offs to loans | 2.6114% | 235 |
| Credit loss provision to net charge-offs | 62.5000% | 4,084 |
| Earnings coverage of net charge-offs (x) | 0.0212% | 5,321 |
| Efficiency ratio | 99.0441% | 567 |
| Assets per employee ($millions) | 4.6297% | 2,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0080% | 304 |
| Loan loss allowance to noncurrent loans | 579.4549% | 671 |
| Noncurrent assets plus other real estate owned to assets | 12.9950% | 130 |
| Noncurrent loans to loans | 0.6917% | 5,054 |
| Net loans and leases to total assets | 63.0824% | 3,192 |
| Net loans and leases to deposits | 75.0367% | 3,140 |
| Net loans and leases to core deposits | 81.8362% | 2,985 |
| Total domestic deposits to total assets | 84.0687% | 4,181 |
| Equity capital to assets | 9.1135% | 5,695 |
| Core capital (leverage) ratio | 9.1224% | 4,876 |
| Tier 1 risk-based capital ratio | 10.6667% | 6,607 |
| Total risk-based capital ratio | 17.2732% | 3,217 |
| Memoranda: | ||
| Average total assets | $320,337,000 | 2,028 |
| Average earning assets | $244,733,500 | 2,405 |
| Average equity | $29,127,750 | 2,328 |
| Average total loans | $216,480,250 | 1,881 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8498% | 2,305 |
| Cost of funding earning assets | 0.8723% | 2,642 |
| Net interest margin | 3.9775% | 2,603 |
| Noninterest income to average assets | 0.8678% | 1,896 |
| Noninterest expense to average assets | 4.0121% | 927 |
| Loan and lease loss provision to assets | 1.6451% | 208 |
| Net operating income to assets | -1.7264% | 7,043 |
| Return on assets (ROA) | -1.7264% | 7,058 |
| Pretax return on assets | -1.7264% | 7,036 |
| Return on Equity (ROE) | -19.0002% | 7,027 |
| Retained earnings to average equity (ytd only) | -19.0002% | 7,000 |
| Net charge-offs to loans | 2.8806% | 209 |
| Credit loss provision to net charge-offs | 83.7547% | 3,217 |
| Earnings coverage of net charge-offs (x) | -0.0414% | 5,104 |
| Efficiency ratio | 102.0689% | 494 |
| Assets per employee ($millions) | 4.4503% | 3,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3995% | 252 |
| Loan loss allowance to noncurrent loans | 115.6972% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 12.6502% | 156 |
| Noncurrent loans to loans | 3.8026% | 1,476 |
| Net loans and leases to total assets | 65.3462% | 2,798 |
| Net loans and leases to deposits | 77.7837% | 2,707 |
| Net loans and leases to core deposits | 86.3820% | 2,377 |
| Total domestic deposits to total assets | 84.0101% | 4,313 |
| Equity capital to assets | 9.1243% | 5,555 |
| Core capital (leverage) ratio | 8.9729% | 4,950 |
| Tier 1 risk-based capital ratio | 10.7350% | 6,600 |
| Total risk-based capital ratio | 17.3815% | 3,067 |
| Memoranda: | ||
| Average total assets | $322,176,000 | 2,013 |
| Average earning assets | $248,092,670 | 2,371 |
| Average equity | $29,273,330 | 2,303 |
| Average total loans | $219,677,670 | 1,859 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8466% | 2,456 |
| Cost of funding earning assets | 0.9347% | 2,407 |
| Net interest margin | 3.9119% | 2,873 |
| Noninterest income to average assets | 0.4812% | 4,050 |
| Noninterest expense to average assets | 3.9096% | 1,055 |
| Loan and lease loss provision to assets | 3.2366% | 62 |
| Net operating income to assets | -3.6592% | 7,247 |
| Return on assets (ROA) | -3.6592% | 7,248 |
| Pretax return on assets | -3.6592% | 7,236 |
| Return on Equity (ROE) | -40.3529% | 7,201 |
| Retained earnings to average equity (ytd only) | -40.3529% | 7,186 |
| Net charge-offs to loans | 5.6382% | 75 |
| Credit loss provision to net charge-offs | 84.2875% | 2,659 |
| Earnings coverage of net charge-offs (x) | -0.1101% | 4,410 |
| Efficiency ratio | 112.1191% | 312 |
| Assets per employee ($millions) | 4.6106% | 2,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4292% | 261 |
| Loan loss allowance to noncurrent loans | 137.7145% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 14.2478% | 125 |
| Noncurrent loans to loans | 3.2162% | 1,997 |
| Net loans and leases to total assets | 62.7652% | 3,106 |
| Net loans and leases to deposits | 74.1519% | 3,104 |
| Net loans and leases to core deposits | 83.6932% | 2,584 |
| Total domestic deposits to total assets | 84.6442% | 4,190 |
| Equity capital to assets | 8.7366% | 5,828 |
| Core capital (leverage) ratio | 8.5781% | 5,468 |
| Tier 1 risk-based capital ratio | 10.4604% | 6,752 |
| Total risk-based capital ratio | 16.9688% | 3,298 |
| Memoranda: | ||
| Average total assets | $327,503,500 | 1,987 |
| Average earning assets | $251,639,500 | 2,351 |
| Average equity | $29,698,000 | 2,283 |
| Average total loans | $223,049,000 | 1,834 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7829% | 3,886 |
| Cost of funding earning assets | 1.1041% | 2,643 |
| Net interest margin | 3.6788% | 4,399 |
| Noninterest income to average assets | 0.9774% | 1,432 |
| Noninterest expense to average assets | 3.6908% | 1,554 |
| Loan and lease loss provision to assets | 0.3342% | 3,019 |
| Net operating income to assets | -0.1014% | 6,165 |
| Return on assets (ROA) | -0.1014% | 6,239 |
| Pretax return on assets | -0.1014% | 6,212 |
| Return on Equity (ROE) | -1.1330% | 6,256 |
| Retained earnings to average equity (ytd only) | -1.1330% | 6,027 |
| Net charge-offs to loans | 1.7288% | 875 |
| Credit loss provision to net charge-offs | 27.2664% | 5,828 |
| Earnings coverage of net charge-offs (x) | 0.1899% | 5,691 |
| Efficiency ratio | 94.0681% | 921 |
| Assets per employee ($millions) | 4.6798% | 2,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2206% | 321 |
| Loan loss allowance to noncurrent loans | 164.6726% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 11.3212% | 250 |
| Noncurrent loans to loans | 2.5630% | 2,563 |
| Net loans and leases to total assets | 67.4938% | 2,495 |
| Net loans and leases to deposits | 81.0678% | 2,347 |
| Net loans and leases to core deposits | 90.7703% | 2,013 |
| Total domestic deposits to total assets | 83.2560% | 4,639 |
| Equity capital to assets | 9.3899% | 5,035 |
| Core capital (leverage) ratio | 9.2538% | 4,387 |
| Tier 1 risk-based capital ratio | 11.2377% | 6,325 |
| Total risk-based capital ratio | 17.9145% | 2,707 |
| Memoranda: | ||
| Average total assets | $351,033,400 | 1,849 |
| Average earning assets | $281,124,000 | 2,086 |
| Average equity | $31,421,600 | 2,106 |
| Average total loans | $248,850,200 | 1,681 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7418% | 4,270 |
| Cost of funding earning assets | 1.1324% | 2,755 |
| Net interest margin | 3.6094% | 4,731 |
| Noninterest income to average assets | 1.1368% | 1,022 |
| Noninterest expense to average assets | 3.6769% | 1,546 |
| Loan and lease loss provision to assets | 0.4397% | 2,277 |
| Net operating income to assets | -0.0731% | 6,251 |
| Return on assets (ROA) | -0.0731% | 6,341 |
| Pretax return on assets | -0.0731% | 6,306 |
| Return on Equity (ROE) | -0.8260% | 6,354 |
| Retained earnings to average equity (ytd only) | -0.8260% | 6,121 |
| Net charge-offs to loans | 2.6938% | 386 |
| Credit loss provision to net charge-offs | 22.9910% | 5,521 |
| Earnings coverage of net charge-offs (x) | 0.1917% | 5,452 |
| Efficiency ratio | 90.9344% | 1,114 |
| Assets per employee ($millions) | 4.6225% | 2,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7013% | 488 |
| Loan loss allowance to noncurrent loans | 109.9649% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 10.7413% | 310 |
| Noncurrent loans to loans | 3.3659% | 2,050 |
| Net loans and leases to total assets | 70.0242% | 2,078 |
| Net loans and leases to deposits | 84.8346% | 1,871 |
| Net loans and leases to core deposits | 98.7067% | 1,367 |
| Total domestic deposits to total assets | 82.5421% | 4,859 |
| Equity capital to assets | 9.2969% | 5,387 |
| Core capital (leverage) ratio | 9.2657% | 4,515 |
| Tier 1 risk-based capital ratio | 10.9783% | 6,551 |
| Total risk-based capital ratio | 17.4987% | 2,957 |
| Memoranda: | ||
| Average total assets | $355,726,000 | 1,830 |
| Average earning assets | $286,464,250 | 2,057 |
| Average equity | $31,477,250 | 2,108 |
| Average total loans | $252,528,000 | 1,672 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6725% | 4,646 |
| Cost of funding earning assets | 1.1661% | 2,797 |
| Net interest margin | 3.5064% | 5,134 |
| Noninterest income to average assets | 1.2172% | 857 |
| Noninterest expense to average assets | 3.4830% | 2,026 |
| Loan and lease loss provision to assets | 0.6484% | 1,480 |
| Net operating income to assets | -0.0785% | 6,324 |
| Return on assets (ROA) | -0.0785% | 6,380 |
| Pretax return on assets | -0.0785% | 6,342 |
| Return on Equity (ROE) | -0.9012% | 6,391 |
| Retained earnings to average equity (ytd only) | -0.9012% | 6,031 |
| Net charge-offs to loans | 3.4106% | 266 |
| Credit loss provision to net charge-offs | 26.9841% | 5,032 |
| Earnings coverage of net charge-offs (x) | 0.2372% | 5,131 |
| Efficiency ratio | 85.9384% | 1,605 |
| Assets per employee ($millions) | 4.7790% | 2,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9504% | 431 |
| Loan loss allowance to noncurrent loans | 119.2508% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 12.3994% | 238 |
| Noncurrent loans to loans | 3.3127% | 2,157 |
| Net loans and leases to total assets | 69.5104% | 2,315 |
| Net loans and leases to deposits | 84.6099% | 2,014 |
| Net loans and leases to core deposits | 101.6011% | 1,203 |
| Total domestic deposits to total assets | 82.1540% | 5,112 |
| Equity capital to assets | 9.1244% | 5,388 |
| Core capital (leverage) ratio | 8.9631% | 4,781 |
| Tier 1 risk-based capital ratio | 10.7077% | 6,710 |
| Total risk-based capital ratio | 17.0920% | 3,034 |
| Memoranda: | ||
| Average total assets | $361,819,330 | 1,811 |
| Average earning assets | $292,606,000 | 2,019 |
| Average equity | $31,512,330 | 2,094 |
| Average total loans | $254,912,000 | 1,684 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4728% | 5,434 |
| Cost of funding earning assets | 1.2003% | 2,813 |
| Net interest margin | 3.2725% | 5,871 |
| Noninterest income to average assets | 1.8949% | 391 |
| Noninterest expense to average assets | 3.2783% | 2,629 |
| Loan and lease loss provision to assets | 1.2658% | 549 |
| Net operating income to assets | 0.0399% | 6,255 |
| Return on assets (ROA) | 0.0399% | 6,292 |
| Pretax return on assets | 0.0399% | 6,283 |
| Return on Equity (ROE) | 0.4688% | 6,267 |
| Retained earnings to average equity (ytd only) | 0.4688% | 5,633 |
| Net charge-offs to loans | 4.6273% | 176 |
| Credit loss provision to net charge-offs | 39.3228% | 3,965 |
| Earnings coverage of net charge-offs (x) | 0.4056% | 4,317 |
| Efficiency ratio | 71.5160% | 3,957 |
| Assets per employee ($millions) | 4.9815% | 2,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3992% | 309 |
| Loan loss allowance to noncurrent loans | 72.9469% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 12.2293% | 255 |
| Noncurrent loans to loans | 6.0306% | 1,047 |
| Net loans and leases to total assets | 66.9369% | 2,774 |
| Net loans and leases to deposits | 82.3562% | 2,300 |
| Net loans and leases to core deposits | 107.5335% | 865 |
| Total domestic deposits to total assets | 81.2773% | 5,579 |
| Equity capital to assets | 8.6803% | 5,681 |
| Core capital (leverage) ratio | 8.6080% | 5,256 |
| Tier 1 risk-based capital ratio | 10.9152% | 6,561 |
| Total risk-based capital ratio | 17.3756% | 2,816 |
| Memoranda: | ||
| Average total assets | $370,685,000 | 1,781 |
| Average earning assets | $304,598,000 | 1,957 |
| Average equity | $31,570,500 | 2,075 |
| Average total loans | $257,861,000 | 1,678 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6416% | 5,983 |
| Cost of funding earning assets | 1.4129% | 3,183 |
| Net interest margin | 3.2286% | 6,196 |
| Noninterest income to average assets | 0.1294% | 6,750 |
| Noninterest expense to average assets | 4.5056% | 646 |
| Loan and lease loss provision to assets | 2.4787% | 452 |
| Net operating income to assets | -4.1488% | 7,454 |
| Return on assets (ROA) | -4.1488% | 7,462 |
| Pretax return on assets | -4.1488% | 7,456 |
| Return on Equity (ROE) | -40.8250% | 7,358 |
| Retained earnings to average equity (ytd only) | -40.8250% | 7,351 |
| Net charge-offs to loans | 1.9543% | 1,042 |
| Credit loss provision to net charge-offs | 170.5830% | 1,986 |
| Earnings coverage of net charge-offs (x) | -1.1493% | 6,633 |
| Efficiency ratio | 158.8954% | 171 |
| Assets per employee ($millions) | 5.1742% | 1,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9831% | 195 |
| Loan loss allowance to noncurrent loans | 60.7877% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 13.2559% | 218 |
| Noncurrent loans to loans | 8.1975% | 619 |
| Net loans and leases to total assets | 65.6820% | 3,527 |
| Net loans and leases to deposits | 81.2845% | 2,933 |
| Net loans and leases to core deposits | 108.0827% | 1,041 |
| Total domestic deposits to total assets | 80.8051% | 5,589 |
| Equity capital to assets | 8.3594% | 6,059 |
| Core capital (leverage) ratio | 8.2023% | 5,817 |
| Tier 1 risk-based capital ratio | 10.7131% | 6,560 |
| Total risk-based capital ratio | 17.0906% | 2,783 |
| Memoranda: | ||
| Average total assets | $389,513,200 | 1,691 |
| Average earning assets | $326,483,800 | 1,826 |
| Average equity | $39,583,600 | 1,669 |
| Average total loans | $289,619,000 | 1,543 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6987% | 6,023 |
| Cost of funding earning assets | 1.4445% | 3,302 |
| Net interest margin | 3.2543% | 6,156 |
| Noninterest income to average assets | 0.1451% | 6,819 |
| Noninterest expense to average assets | 4.4582% | 627 |
| Loan and lease loss provision to assets | 2.8744% | 320 |
| Net operating income to assets | -4.4521% | 7,605 |
| Return on assets (ROA) | -4.4521% | 7,617 |
| Pretax return on assets | -4.4521% | 7,600 |
| Return on Equity (ROE) | -42.0166% | 7,514 |
| Retained earnings to average equity (ytd only) | -42.0166% | 7,512 |
| Net charge-offs to loans | 1.8934% | 1,011 |
| Credit loss provision to net charge-offs | 200.7831% | 1,775 |
| Earnings coverage of net charge-offs (x) | -1.1020% | 6,457 |
| Efficiency ratio | 154.7706% | 185 |
| Assets per employee ($millions) | 5.1998% | 1,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9405% | 181 |
| Loan loss allowance to noncurrent loans | 61.0832% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 15.7277% | 132 |
| Noncurrent loans to loans | 8.0881% | 633 |
| Net loans and leases to total assets | 66.3206% | 3,616 |
| Net loans and leases to deposits | 82.5437% | 3,003 |
| Net loans and leases to core deposits | 110.9424% | 987 |
| Total domestic deposits to total assets | 80.3460% | 5,595 |
| Equity capital to assets | 9.0065% | 5,572 |
| Core capital (leverage) ratio | 8.8052% | 4,999 |
| Tier 1 risk-based capital ratio | 11.0374% | 6,339 |
| Total risk-based capital ratio | 17.1042% | 2,782 |
| Memoranda: | ||
| Average total assets | $392,461,500 | 1,703 |
| Average earning assets | $329,897,000 | 1,836 |
| Average equity | $41,585,750 | 1,596 |
| Average total loans | $296,747,500 | 1,524 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6289% | 6,375 |
| Cost of funding earning assets | 1.4382% | 3,625 |
| Net interest margin | 3.1907% | 6,345 |
| Noninterest income to average assets | 0.4415% | 4,593 |
| Noninterest expense to average assets | 4.3350% | 696 |
| Loan and lease loss provision to assets | 1.1944% | 1,173 |
| Net operating income to assets | -2.3695% | 7,390 |
| Return on assets (ROA) | -2.3695% | 7,403 |
| Pretax return on assets | -2.3695% | 7,338 |
| Return on Equity (ROE) | -21.3233% | 7,300 |
| Retained earnings to average equity (ytd only) | -21.3233% | 7,285 |
| Net charge-offs to loans | 1.9152% | 967 |
| Credit loss provision to net charge-offs | 80.4570% | 4,697 |
| Earnings coverage of net charge-offs (x) | -0.7916% | 6,090 |
| Efficiency ratio | 137.1896% | 267 |
| Assets per employee ($millions) | 5.2530% | 1,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9186% | 895 |
| Loan loss allowance to noncurrent loans | 27.7977% | 6,505 |
| Noncurrent assets plus other real estate owned to assets | 16.4072% | 108 |
| Noncurrent loans to loans | 10.4996% | 407 |
| Net loans and leases to total assets | 72.2465% | 2,335 |
| Net loans and leases to deposits | 94.7637% | 1,182 |
| Net loans and leases to core deposits | 129.8742% | 423 |
| Total domestic deposits to total assets | 76.2386% | 6,638 |
| Equity capital to assets | 10.9251% | 2,945 |
| Core capital (leverage) ratio | 10.8480% | 2,369 |
| Tier 1 risk-based capital ratio | 12.5066% | 4,857 |
| Total risk-based capital ratio | 18.1908% | 2,257 |
| Memoranda: | ||
| Average total assets | $395,019,670 | 1,706 |
| Average earning assets | $336,537,330 | 1,818 |
| Average equity | $43,895,670 | 1,515 |
| Average total loans | $306,178,000 | 1,497 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5689% | 6,640 |
| Cost of funding earning assets | 1.4317% | 3,979 |
| Net interest margin | 3.1372% | 6,498 |
| Noninterest income to average assets | 0.4109% | 4,812 |
| Noninterest expense to average assets | 3.4568% | 2,083 |
| Loan and lease loss provision to assets | 0.9112% | 1,396 |
| Net operating income to assets | -1.2407% | 7,234 |
| Return on assets (ROA) | -1.2407% | 7,252 |
| Pretax return on assets | -1.2407% | 7,165 |
| Return on Equity (ROE) | -11.0739% | 7,172 |
| Retained earnings to average equity (ytd only) | -11.0739% | 7,019 |
| Net charge-offs to loans | 0.9599% | 1,695 |
| Credit loss provision to net charge-offs | 120.1325% | 2,901 |
| Earnings coverage of net charge-offs (x) | -0.4344% | 5,258 |
| Efficiency ratio | 110.5365% | 586 |
| Assets per employee ($millions) | 5.1515% | 2,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9710% | 848 |
| Loan loss allowance to noncurrent loans | 18.6858% | 7,077 |
| Noncurrent assets plus other real estate owned to assets | 17.6357% | 92 |
| Noncurrent loans to loans | 15.8998% | 154 |
| Net loans and leases to total assets | 76.4766% | 1,440 |
| Net loans and leases to deposits | 100.8607% | 707 |
| Net loans and leases to core deposits | 140.4643% | 323 |
| Total domestic deposits to total assets | 75.8240% | 6,789 |
| Equity capital to assets | 11.3519% | 2,465 |
| Core capital (leverage) ratio | 11.1982% | 2,095 |
| Tier 1 risk-based capital ratio | 12.8629% | 4,428 |
| Total risk-based capital ratio | 18.4713% | 2,141 |
| Memoranda: | ||
| Average total assets | $398,170,000 | 1,734 |
| Average earning assets | $344,764,000 | 1,817 |
| Average equity | $44,609,500 | 1,507 |
| Average total loans | $314,627,500 | 1,498 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0970% | 6,098 |
| Cost of funding earning assets | 1.6164% | 4,959 |
| Net interest margin | 3.4806% | 5,037 |
| Noninterest income to average assets | 1.0376% | 1,445 |
| Noninterest expense to average assets | 3.0378% | 3,996 |
| Loan and lease loss provision to assets | 1.6738% | 1,370 |
| Net operating income to assets | -0.5497% | 6,231 |
| Return on assets (ROA) | -0.5497% | 6,225 |
| Pretax return on assets | -0.5497% | 6,055 |
| Return on Equity (ROE) | -5.4674% | 6,262 |
| Retained earnings to average equity (ytd only) | -5.4674% | 6,085 |
| Net charge-offs to loans | 2.0173% | 1,216 |
| Credit loss provision to net charge-offs | 98.8843% | 5,633 |
| Earnings coverage of net charge-offs (x) | 0.6641% | 5,427 |
| Efficiency ratio | 72.9905% | 4,098 |
| Assets per employee ($millions) | 5.2575% | 1,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8116% | 922 |
| Loan loss allowance to noncurrent loans | 22.3124% | 6,945 |
| Noncurrent assets plus other real estate owned to assets | 13.8906% | 172 |
| Noncurrent loans to loans | 12.6010% | 257 |
| Net loans and leases to total assets | 76.9848% | 1,589 |
| Net loans and leases to deposits | 103.9255% | 652 |
| Net loans and leases to core deposits | 120.6874% | 1,901 |
| Total domestic deposits to total assets | 74.0769% | 7,003 |
| Equity capital to assets | 11.0603% | 2,663 |
| Core capital (leverage) ratio | 10.5233% | 2,583 |
| Tier 1 risk-based capital ratio | 12.6951% | 4,369 |
| Total risk-based capital ratio | 18.2142% | 2,127 |
| Memoranda: | ||
| Average total assets | $444,796,800 | 1,563 |
| Average earning assets | $399,272,600 | 1,594 |
| Average equity | $44,720,000 | 1,500 |
| Average total loans | $373,214,400 | 1,285 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1319% | 6,165 |
| Cost of funding earning assets | 1.6454% | 5,183 |
| Net interest margin | 3.4866% | 4,917 |
| Noninterest income to average assets | 1.2234% | 1,026 |
| Noninterest expense to average assets | 2.8848% | 4,521 |
| Loan and lease loss provision to assets | 1.2747% | 1,512 |
| Net operating income to assets | 0.2123% | 5,109 |
| Return on assets (ROA) | 0.2123% | 5,193 |
| Pretax return on assets | 0.2123% | 5,268 |
| Return on Equity (ROE) | 2.1592% | 5,108 |
| Retained earnings to average equity (ytd only) | 2.1592% | 4,118 |
| Net charge-offs to loans | 0.8396% | 2,282 |
| Credit loss provision to net charge-offs | 178.7094% | 2,573 |
| Earnings coverage of net charge-offs (x) | 2.0847% | 4,260 |
| Efficiency ratio | 65.9871% | 5,362 |
| Assets per employee ($millions) | 5.7121% | 1,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1121% | 607 |
| Loan loss allowance to noncurrent loans | 31.3594% | 6,357 |
| Noncurrent assets plus other real estate owned to assets | 10.4914% | 312 |
| Noncurrent loans to loans | 9.9239% | 404 |
| Net loans and leases to total assets | 77.9674% | 1,578 |
| Net loans and leases to deposits | 103.6002% | 802 |
| Net loans and leases to core deposits | 122.1267% | 2,059 |
| Total domestic deposits to total assets | 75.2580% | 6,729 |
| Equity capital to assets | 10.4009% | 3,616 |
| Core capital (leverage) ratio | 10.3345% | 2,941 |
| Tier 1 risk-based capital ratio | 12.5277% | 4,518 |
| Total risk-based capital ratio | 17.9093% | 2,322 |
| Memoranda: | ||
| Average total assets | $454,789,000 | 1,539 |
| Average earning assets | $410,672,000 | 1,556 |
| Average equity | $44,706,250 | 1,522 |
| Average total loans | $386,350,000 | 1,263 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2835% | 5,733 |
| Cost of funding earning assets | 1.6815% | 5,357 |
| Net interest margin | 3.6020% | 4,351 |
| Noninterest income to average assets | 1.6247% | 562 |
| Noninterest expense to average assets | 2.7892% | 5,001 |
| Loan and lease loss provision to assets | 1.0605% | 1,608 |
| Net operating income to assets | 1.0327% | 1,999 |
| Return on assets (ROA) | 1.0327% | 2,076 |
| Pretax return on assets | 1.0327% | 2,872 |
| Return on Equity (ROE) | 10.7035% | 1,792 |
| Retained earnings to average equity (ytd only) | 10.7035% | 611 |
| Net charge-offs to loans | 0.0635% | 5,610 |
| Credit loss provision to net charge-offs | 1,934.9206% | 275 |
| Earnings coverage of net charge-offs (x) | 38.1905% | 838 |
| Efficiency ratio | 57.1276% | 6,974 |
| Assets per employee ($millions) | 5.7767% | 1,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0376% | 554 |
| Loan loss allowance to noncurrent loans | 29.3292% | 6,539 |
| Noncurrent assets plus other real estate owned to assets | 11.2251% | 224 |
| Noncurrent loans to loans | 10.3570% | 329 |
| Net loans and leases to total assets | 81.8953% | 976 |
| Net loans and leases to deposits | 112.7591% | 455 |
| Net loans and leases to core deposits | 132.9510% | 1,375 |
| Total domestic deposits to total assets | 72.6285% | 7,166 |
| Equity capital to assets | 10.2245% | 3,696 |
| Core capital (leverage) ratio | 10.0587% | 3,231 |
| Tier 1 risk-based capital ratio | 11.5067% | 5,374 |
| Total risk-based capital ratio | 16.5734% | 2,815 |
| Memoranda: | ||
| Average total assets | $459,773,670 | 1,542 |
| Average earning assets | $415,824,330 | 1,561 |
| Average equity | $44,359,330 | 1,538 |
| Average total loans | $397,152,330 | 1,249 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1367% | 6,537 |
| Cost of funding earning assets | 1.7088% | 5,564 |
| Net interest margin | 3.4279% | 5,021 |
| Noninterest income to average assets | 2.2129% | 305 |
| Noninterest expense to average assets | 2.6940% | 5,039 |
| Loan and lease loss provision to assets | 1.4433% | 879 |
| Net operating income to assets | 1.1959% | 1,665 |
| Return on assets (ROA) | 1.1959% | 1,780 |
| Pretax return on assets | 1.1959% | 2,642 |
| Return on Equity (ROE) | 12.7581% | 1,448 |
| Retained earnings to average equity (ytd only) | 12.7581% | 673 |
| Net charge-offs to loans | 0.1275% | 3,944 |
| Credit loss provision to net charge-offs | 1,296.9231% | 488 |
| Earnings coverage of net charge-offs (x) | 23.7154% | 1,268 |
| Efficiency ratio | 50.5136% | 7,551 |
| Assets per employee ($millions) | 5.8248% | 1,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6793% | 639 |
| Loan loss allowance to noncurrent loans | 26.8096% | 6,780 |
| Noncurrent assets plus other real estate owned to assets | 10.5048% | 203 |
| Noncurrent loans to loans | 9.9939% | 294 |
| Net loans and leases to total assets | 85.1916% | 528 |
| Net loans and leases to deposits | 119.8556% | 292 |
| Net loans and leases to core deposits | 138.2905% | 1,187 |
| Total domestic deposits to total assets | 71.0785% | 7,321 |
| Equity capital to assets | 9.7932% | 4,249 |
| Core capital (leverage) ratio | 9.7035% | 3,753 |
| Tier 1 risk-based capital ratio | 10.7296% | 6,158 |
| Total risk-based capital ratio | 15.6136% | 3,310 |
| Memoranda: | ||
| Average total assets | $467,257,500 | 1,532 |
| Average earning assets | $425,328,500 | 1,531 |
| Average equity | $43,799,500 | 1,553 |
| Average total loans | $407,885,000 | 1,235 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9322% | 1,302 |
| Cost of funding earning assets | 2.2401% | 5,420 |
| Net interest margin | 4.6921% | 989 |
| Noninterest income to average assets | 1.3292% | 822 |
| Noninterest expense to average assets | 2.7036% | 5,253 |
| Loan and lease loss provision to assets | 0.9974% | 1,477 |
| Net operating income to assets | 1.9049% | 425 |
| Return on assets (ROA) | 1.9049% | 413 |
| Pretax return on assets | 1.9049% | 756 |
| Return on Equity (ROE) | 20.2465% | 354 |
| Retained earnings to average equity (ytd only) | -2.3803% | 5,974 |
| Net charge-offs to loans | 0.0022% | 6,993 |
| Credit loss provision to net charge-offs | 52,055.5556% | 4 |
| Earnings coverage of net charge-offs (x) | 1,514.7778% | 24 |
| Efficiency ratio | 48.2285% | 7,787 |
| Assets per employee ($millions) | 6.0022% | 1,138 |
| Cash dividends to net income (ytd only)* | 111.7568% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1767% | 973 |
| Loan loss allowance to noncurrent loans | 44.0593% | 5,809 |
| Noncurrent assets plus other real estate owned to assets | 4.3013% | 908 |
| Noncurrent loans to loans | 4.9405% | 904 |
| Net loans and leases to total assets | 85.1678% | 710 |
| Net loans and leases to deposits | 123.1564% | 317 |
| Net loans and leases to core deposits | 138.4704% | 1,346 |
| Total domestic deposits to total assets | 69.1541% | 7,364 |
| Equity capital to assets | 8.9769% | 5,398 |
| Core capital (leverage) ratio | 9.0887% | 4,608 |
| Tier 1 risk-based capital ratio | 10.1673% | 6,558 |
| Total risk-based capital ratio | 14.9678% | 3,606 |
| Memoranda: | ||
| Average total assets | $469,740,600 | 1,470 |
| Average earning assets | $428,148,000 | 1,458 |
| Average equity | $44,195,400 | 1,526 |
| Average total loans | $412,747,400 | 1,166 |