Home > American Bank and Trust Company > Performance and Condition Ratios
American Bank and Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3744% | 3,325 |
| Cost of funding earning assets | 1.4690% | 2,025 |
| Net interest margin | 2.9054% | 3,477 |
| Noninterest income to average assets | 0.7200% | 1,133 |
| Noninterest expense to average assets | 2.7008% | 1,734 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.4916% | 3,685 |
| Return on assets (ROA) | 0.5058% | 3,652 |
| Pretax return on assets | 0.6379% | 3,567 |
| Return on Equity (ROE) | 10.0300% | 2,490 |
| Retained earnings to average equity (ytd only) | 6.0190% | 2,230 |
| Net charge-offs to loans | 0.0138% | 2,138 |
| Credit loss provision to net charge-offs | 510.2041% | 658 |
| Earnings coverage of net charge-offs (x) | 71.1837% | 1,087 |
| Efficiency ratio | 80.1751% | 905 |
| Assets per employee ($millions) | 6.7812% | 2,223 |
| Cash dividends to net income (ytd only)* | 39.9697% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0569% | 3,036 |
| Loan loss allowance to noncurrent loans | 325.0209% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.2279% | 2,083 |
| Noncurrent loans to loans | 0.3252% | 2,017 |
| Net loans and leases to total assets | 67.8700% | 2,054 |
| Net loans and leases to deposits | 77.9860% | 2,263 |
| Net loans and leases to core deposits | 81.1748% | 2,641 |
| Total domestic deposits to total assets | 87.0300% | 1,671 |
| Equity capital to assets | 5.3663% | 4,360 |
| Core capital (leverage) ratio | 8.5081% | 4,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3642% | 2,115 |
| Memoranda: | ||
| Average total assets | $522,298,000 | 1,682 |
| Average earning assets | $476,455,800 | 1,696 |
| Average equity | $26,349,800 | 2,444 |
| Average total loans | $356,086,400 | 1,590 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3349% | 3,226 |
| Cost of funding earning assets | 1.4207% | 1,809 |
| Net interest margin | 2.9142% | 3,514 |
| Noninterest income to average assets | 0.7100% | 1,148 |
| Noninterest expense to average assets | 2.6582% | 1,776 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5615% | 3,640 |
| Return on assets (ROA) | 0.5642% | 3,624 |
| Pretax return on assets | 0.7076% | 3,534 |
| Return on Equity (ROE) | 11.3700% | 2,286 |
| Retained earnings to average equity (ytd only) | 8.3881% | 1,842 |
| Net charge-offs to loans | 0.0125% | 1,947 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 83.0606% | 1,027 |
| Efficiency ratio | 79.0556% | 922 |
| Assets per employee ($millions) | 6.6073% | 2,240 |
| Cash dividends to net income (ytd only)* | 26.2295% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0031% | 3,345 |
| Loan loss allowance to noncurrent loans | 228.1250% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 0.3854% | 1,494 |
| Noncurrent loans to loans | 0.4397% | 1,733 |
| Net loans and leases to total assets | 66.4900% | 2,202 |
| Net loans and leases to deposits | 79.9742% | 2,052 |
| Net loans and leases to core deposits | 83.1754% | 2,380 |
| Total domestic deposits to total assets | 83.1300% | 2,989 |
| Equity capital to assets | 4.9472% | 4,261 |
| Core capital (leverage) ratio | 8.5458% | 4,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2859% | 2,167 |
| Memoranda: | ||
| Average total assets | $518,943,000 | 1,687 |
| Average earning assets | $473,079,500 | 1,704 |
| Average equity | $25,750,250 | 2,463 |
| Average total loans | $353,237,500 | 1,600 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3103% | 3,080 |
| Cost of funding earning assets | 1.3878% | 1,479 |
| Net interest margin | 2.9225% | 3,604 |
| Noninterest income to average assets | 0.7000% | 1,120 |
| Noninterest expense to average assets | 2.6116% | 1,896 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5795% | 3,634 |
| Return on assets (ROA) | 0.5832% | 3,628 |
| Pretax return on assets | 0.7553% | 3,494 |
| Return on Equity (ROE) | 11.7400% | 2,236 |
| Retained earnings to average equity (ytd only) | 7.2050% | 2,224 |
| Net charge-offs to loans | 0.0051% | 2,084 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 213.2222% | 572 |
| Efficiency ratio | 77.6757% | 1,025 |
| Assets per employee ($millions) | 5.9738% | 2,728 |
| Cash dividends to net income (ytd only)* | 38.6318% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9937% | 3,451 |
| Loan loss allowance to noncurrent loans | 176.4649% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 0.4834% | 1,123 |
| Noncurrent loans to loans | 0.5631% | 1,328 |
| Net loans and leases to total assets | 68.8500% | 1,864 |
| Net loans and leases to deposits | 79.2232% | 2,033 |
| Net loans and leases to core deposits | 82.2862% | 2,313 |
| Total domestic deposits to total assets | 86.9100% | 1,955 |
| Equity capital to assets | 4.9952% | 4,381 |
| Core capital (leverage) ratio | 8.4299% | 4,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2633% | 2,189 |
| Memoranda: | ||
| Average total assets | $511,325,000 | 1,698 |
| Average earning assets | $465,348,000 | 1,725 |
| Average equity | $25,399,000 | 2,502 |
| Average total loans | $349,693,333 | 1,604 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2234% | 2,996 |
| Cost of funding earning assets | 1.2130% | 1,422 |
| Net interest margin | 3.0105% | 3,577 |
| Noninterest income to average assets | 0.6400% | 1,279 |
| Noninterest expense to average assets | 2.4384% | 2,408 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7245% | 3,408 |
| Return on assets (ROA) | 0.7327% | 3,352 |
| Pretax return on assets | 0.9474% | 3,132 |
| Return on Equity (ROE) | 14.7900% | 1,599 |
| Retained earnings to average equity (ytd only) | 5.5118% | 2,883 |
| Net charge-offs to loans | -0.0082% | 3,788 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.2393% | 1,520 |
| Assets per employee ($millions) | 5.7583% | 2,972 |
| Cash dividends to net income (ytd only)* | 62.7451% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0744% | 3,180 |
| Loan loss allowance to noncurrent loans | 42.5245% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 1.8083% | 150 |
| Noncurrent loans to loans | 2.5265% | 190 |
| Net loans and leases to total assets | 67.0300% | 1,943 |
| Net loans and leases to deposits | 76.0234% | 2,112 |
| Net loans and leases to core deposits | 78.9512% | 2,320 |
| Total domestic deposits to total assets | 88.1700% | 1,865 |
| Equity capital to assets | 5.0514% | 4,412 |
| Core capital (leverage) ratio | 8.6330% | 4,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7963% | 2,048 |
| Memoranda: | ||
| Average total assets | $501,153,500 | 1,738 |
| Average earning assets | $455,081,000 | 1,762 |
| Average equity | $24,819,500 | 2,558 |
| Average total loans | $339,668,500 | 1,651 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4716% | 3,150 |
| Cost of funding earning assets | 0.5100% | 1,318 |
| Net interest margin | 2.9615% | 3,542 |
| Noninterest income to average assets | 0.8100% | 982 |
| Noninterest expense to average assets | 2.8443% | 1,235 |
| Loan and lease loss provision to assets | -0.0300% | 4,361 |
| Net operating income to assets | 0.5515% | 3,986 |
| Return on assets (ROA) | 0.3703% | 4,250 |
| Pretax return on assets | 0.4654% | 4,215 |
| Return on Equity (ROE) | 5.5600% | 3,919 |
| Retained earnings to average equity (ytd only) | 3.1344% | 3,681 |
| Net charge-offs to loans | 0.0259% | 1,543 |
| Credit loss provision to net charge-offs | -185.1852% | 4,599 |
| Earnings coverage of net charge-offs (x) | 40.0123% | 1,507 |
| Efficiency ratio | 81.1361% | 643 |
| Assets per employee ($millions) | 5.4496% | 3,271 |
| Cash dividends to net income (ytd only)* | 43.6364% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0962% | 2,913 |
| Loan loss allowance to noncurrent loans | 88.1100% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 0.9311% | 467 |
| Noncurrent loans to loans | 1.2441% | 560 |
| Net loans and leases to total assets | 66.2800% | 2,006 |
| Net loans and leases to deposits | 74.1003% | 2,252 |
| Net loans and leases to core deposits | 76.4683% | 2,387 |
| Total domestic deposits to total assets | 89.4400% | 1,584 |
| Equity capital to assets | 5.9577% | 4,104 |
| Core capital (leverage) ratio | 8.3743% | 4,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8618% | 2,026 |
| Memoranda: | ||
| Average total assets | $490,098,400 | 1,743 |
| Average earning assets | $446,456,000 | 1,768 |
| Average equity | $32,638,000 | 2,213 |
| Average total loans | $312,493,800 | 1,665 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3111% | 3,149 |
| Cost of funding earning assets | 0.3526% | 1,679 |
| Net interest margin | 2.9585% | 3,331 |
| Noninterest income to average assets | 0.9000% | 820 |
| Noninterest expense to average assets | 3.0079% | 897 |
| Loan and lease loss provision to assets | -0.0400% | 4,466 |
| Net operating income to assets | 0.4954% | 4,085 |
| Return on assets (ROA) | 0.4898% | 4,047 |
| Pretax return on assets | 0.6167% | 3,956 |
| Return on Equity (ROE) | 7.1600% | 3,563 |
| Retained earnings to average equity (ytd only) | 4.9124% | 3,132 |
| Net charge-offs to loans | 0.0344% | 1,174 |
| Credit loss provision to net charge-offs | -189.8734% | 4,660 |
| Earnings coverage of net charge-offs (x) | 26.9620% | 1,574 |
| Efficiency ratio | 83.7690% | 559 |
| Assets per employee ($millions) | 5.1738% | 3,523 |
| Cash dividends to net income (ytd only)* | 31.3966% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1249% | 2,900 |
| Loan loss allowance to noncurrent loans | 116.1728% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 0.7556% | 668 |
| Noncurrent loans to loans | 0.9683% | 806 |
| Net loans and leases to total assets | 65.2100% | 1,958 |
| Net loans and leases to deposits | 71.6987% | 2,235 |
| Net loans and leases to core deposits | 74.3543% | 2,323 |
| Total domestic deposits to total assets | 90.9600% | 1,257 |
| Equity capital to assets | 5.6845% | 4,079 |
| Core capital (leverage) ratio | 8.5106% | 4,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9583% | 2,066 |
| Memoranda: | ||
| Average total assets | $487,281,250 | 1,761 |
| Average earning assets | $443,550,000 | 1,785 |
| Average equity | $33,330,000 | 2,217 |
| Average total loans | $306,622,250 | 1,682 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1759% | 3,124 |
| Cost of funding earning assets | 0.2398% | 2,398 |
| Net interest margin | 2.9362% | 3,070 |
| Noninterest income to average assets | 0.9373% | 776 |
| Noninterest expense to average assets | 3.0449% | 801 |
| Loan and lease loss provision to assets | -0.0620% | 4,542 |
| Net operating income to assets | 0.4978% | 3,896 |
| Return on assets (ROA) | 0.4978% | 3,851 |
| Pretax return on assets | 0.6254% | 3,766 |
| Return on Equity (ROE) | 6.8801% | 3,340 |
| Retained earnings to average equity (ytd only) | 5.2243% | 2,622 |
| Net charge-offs to loans | 0.0087% | 1,661 |
| Credit loss provision to net charge-offs | -1,153.8462% | 3,579 |
| Earnings coverage of net charge-offs (x) | 104.9231% | 793 |
| Efficiency ratio | 84.3847% | 660 |
| Assets per employee ($millions) | 5.2016% | 3,511 |
| Cash dividends to net income (ytd only)* | 24.0664% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1856% | 2,764 |
| Loan loss allowance to noncurrent loans | 90.7331% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 0.9540% | 504 |
| Noncurrent loans to loans | 1.3067% | 603 |
| Net loans and leases to total assets | 63.2499% | 1,987 |
| Net loans and leases to deposits | 72.4518% | 1,994 |
| Net loans and leases to core deposits | 75.1679% | 2,077 |
| Total domestic deposits to total assets | 87.2993% | 2,825 |
| Equity capital to assets | 5.6808% | 4,307 |
| Core capital (leverage) ratio | 9.0512% | 3,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1703% | 1,987 |
| Memoranda: | ||
| Average total assets | $484,146,667 | 1,780 |
| Average earning assets | $440,436,000 | 1,813 |
| Average equity | $35,028,667 | 2,196 |
| Average total loans | $299,632,667 | 1,704 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0555% | 3,096 |
| Cost of funding earning assets | 0.2095% | 2,674 |
| Net interest margin | 2.8460% | 2,994 |
| Noninterest income to average assets | 1.0803% | 583 |
| Noninterest expense to average assets | 3.0363% | 777 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5034% | 3,707 |
| Return on assets (ROA) | 0.5034% | 3,672 |
| Pretax return on assets | 0.6528% | 3,511 |
| Return on Equity (ROE) | 6.2638% | 3,265 |
| Retained earnings to average equity (ytd only) | 5.0173% | 2,591 |
| Net charge-offs to loans | 0.0124% | 1,314 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 86.8889% | 717 |
| Efficiency ratio | 82.3037% | 960 |
| Assets per employee ($millions) | 5.1488% | 3,625 |
| Cash dividends to net income (ytd only)* | 19.9005% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2900% | 2,413 |
| Loan loss allowance to noncurrent loans | 137.4032% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 0.6998% | 810 |
| Noncurrent loans to loans | 0.9388% | 971 |
| Net loans and leases to total assets | 61.0883% | 1,953 |
| Net loans and leases to deposits | 71.7554% | 1,802 |
| Net loans and leases to core deposits | 74.7321% | 1,877 |
| Total domestic deposits to total assets | 85.1341% | 3,511 |
| Equity capital to assets | 6.9950% | 4,218 |
| Core capital (leverage) ratio | 8.9309% | 3,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0413% | 2,185 |
| Memoranda: | ||
| Average total assets | $479,143,000 | 1,799 |
| Average earning assets | $439,215,000 | 1,829 |
| Average equity | $38,507,000 | 2,110 |
| Average total loans | $291,298,000 | 1,733 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9069% | 4,041 |
| Cost of funding earning assets | 0.2420% | 3,030 |
| Net interest margin | 2.6648% | 3,934 |
| Noninterest income to average assets | 1.3377% | 603 |
| Noninterest expense to average assets | 3.1478% | 788 |
| Loan and lease loss provision to assets | -0.1503% | 4,629 |
| Net operating income to assets | 0.7703% | 3,419 |
| Return on assets (ROA) | 0.8202% | 3,345 |
| Pretax return on assets | 0.8509% | 3,622 |
| Return on Equity (ROE) | 9.1050% | 2,872 |
| Retained earnings to average equity (ytd only) | 6.4832% | 2,137 |
| Net charge-offs to loans | -0.0161% | 3,903 |
| Credit loss provision to net charge-offs | 1,627.9070% | 363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9139% | 627 |
| Assets per employee ($millions) | 4.9384% | 3,790 |
| Cash dividends to net income (ytd only)* | 28.7958% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3981% | 1,928 |
| Loan loss allowance to noncurrent loans | 94.7228% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 1.0142% | 545 |
| Noncurrent loans to loans | 1.4760% | 618 |
| Net loans and leases to total assets | 58.8241% | 2,293 |
| Net loans and leases to deposits | 68.1184% | 2,304 |
| Net loans and leases to core deposits | 71.3772% | 2,312 |
| Total domestic deposits to total assets | 86.3557% | 2,777 |
| Equity capital to assets | 9.1227% | 3,488 |
| Core capital (leverage) ratio | 8.8891% | 3,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3523% | 2,100 |
| Memoranda: | ||
| Average total assets | $465,724,400 | 1,790 |
| Average earning assets | $429,706,400 | 1,804 |
| Average equity | $41,954,800 | 2,013 |
| Average total loans | $266,788,800 | 1,851 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8727% | 4,209 |
| Cost of funding earning assets | 0.2490% | 3,136 |
| Net interest margin | 2.6237% | 4,099 |
| Noninterest income to average assets | 1.4504% | 573 |
| Noninterest expense to average assets | 3.1417% | 772 |
| Loan and lease loss provision to assets | -0.1291% | 4,661 |
| Net operating income to assets | 0.6888% | 3,793 |
| Return on assets (ROA) | 0.7434% | 3,728 |
| Pretax return on assets | 0.9270% | 3,636 |
| Return on Equity (ROE) | 8.2789% | 3,324 |
| Retained earnings to average equity (ytd only) | 5.9792% | 2,828 |
| Net charge-offs to loans | -0.0056% | 3,467 |
| Credit loss provision to net charge-offs | 4,090.9091% | 192 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1528% | 693 |
| Assets per employee ($millions) | 4.8735% | 3,820 |
| Cash dividends to net income (ytd only)* | 27.7778% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5205% | 1,551 |
| Loan loss allowance to noncurrent loans | 101.1508% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 1.0485% | 617 |
| Noncurrent loans to loans | 1.5032% | 700 |
| Net loans and leases to total assets | 55.4556% | 2,796 |
| Net loans and leases to deposits | 62.6999% | 2,978 |
| Net loans and leases to core deposits | 65.6049% | 2,991 |
| Total domestic deposits to total assets | 88.4461% | 1,601 |
| Equity capital to assets | 8.7401% | 4,040 |
| Core capital (leverage) ratio | 8.7891% | 3,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4976% | 2,167 |
| Memoranda: | ||
| Average total assets | $464,868,500 | 1,812 |
| Average earning assets | $428,944,500 | 1,825 |
| Average equity | $41,743,750 | 2,052 |
| Average total loans | $263,514,750 | 1,894 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9077% | 4,215 |
| Cost of funding earning assets | 0.2660% | 3,125 |
| Net interest margin | 2.6417% | 4,100 |
| Noninterest income to average assets | 1.5072% | 540 |
| Noninterest expense to average assets | 3.1760% | 751 |
| Loan and lease loss provision to assets | -0.1089% | 4,641 |
| Net operating income to assets | 0.6992% | 3,766 |
| Return on assets (ROA) | 0.7142% | 3,794 |
| Pretax return on assets | 0.8950% | 3,674 |
| Return on Equity (ROE) | 7.8794% | 3,438 |
| Retained earnings to average equity (ytd only) | 4.9469% | 3,205 |
| Net charge-offs to loans | 0.0015% | 2,164 |
| Credit loss provision to net charge-offs | -12,500.0000% | 4,068 |
| Earnings coverage of net charge-offs (x) | 880.5000% | 154 |
| Efficiency ratio | 80.5414% | 752 |
| Assets per employee ($millions) | 5.0047% | 3,654 |
| Cash dividends to net income (ytd only)* | 37.2178% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5975% | 1,276 |
| Loan loss allowance to noncurrent loans | 152.2751% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.7848% | 1,036 |
| Noncurrent loans to loans | 1.0491% | 1,169 |
| Net loans and leases to total assets | 54.7769% | 3,042 |
| Net loans and leases to deposits | 62.2561% | 3,174 |
| Net loans and leases to core deposits | 64.6269% | 3,231 |
| Total domestic deposits to total assets | 87.9863% | 1,828 |
| Equity capital to assets | 8.6517% | 4,085 |
| Core capital (leverage) ratio | 8.8079% | 3,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9084% | 1,999 |
| Memoranda: | ||
| Average total assets | $458,998,667 | 1,823 |
| Average earning assets | $423,288,333 | 1,833 |
| Average equity | $41,602,000 | 2,048 |
| Average total loans | $260,789,000 | 1,909 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7165% | 4,459 |
| Cost of funding earning assets | 0.2903% | 3,097 |
| Net interest margin | 2.4262% | 4,386 |
| Noninterest income to average assets | 1.7875% | 448 |
| Noninterest expense to average assets | 3.2286% | 686 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6165% | 3,899 |
| Return on assets (ROA) | 0.6165% | 3,962 |
| Pretax return on assets | 0.8013% | 3,810 |
| Return on Equity (ROE) | 6.6372% | 3,693 |
| Retained earnings to average equity (ytd only) | 1.8066% | 4,052 |
| Net charge-offs to loans | 0.0391% | 1,081 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 35.7200% | 1,020 |
| Efficiency ratio | 80.1158% | 816 |
| Assets per employee ($millions) | 4.9856% | 3,676 |
| Cash dividends to net income (ytd only)* | 72.7802% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8226% | 839 |
| Loan loss allowance to noncurrent loans | 132.3915% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 0.9145% | 937 |
| Noncurrent loans to loans | 1.3766% | 919 |
| Net loans and leases to total assets | 53.9635% | 3,248 |
| Net loans and leases to deposits | 61.9113% | 3,325 |
| Net loans and leases to core deposits | 64.6401% | 3,351 |
| Total domestic deposits to total assets | 87.1625% | 2,247 |
| Equity capital to assets | 9.0268% | 3,653 |
| Core capital (leverage) ratio | 9.3119% | 3,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2601% | 1,489 |
| Memoranda: | ||
| Average total assets | $445,770,500 | 1,857 |
| Average earning assets | $411,997,500 | 1,865 |
| Average equity | $41,403,000 | 2,040 |
| Average total loans | $256,066,500 | 1,934 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5154% | 4,001 |
| Cost of funding earning assets | 0.4384% | 3,356 |
| Net interest margin | 3.0770% | 3,686 |
| Noninterest income to average assets | 2.0044% | 330 |
| Noninterest expense to average assets | 3.8898% | 418 |
| Loan and lease loss provision to assets | 0.1230% | 2,829 |
| Net operating income to assets | 0.7626% | 3,231 |
| Return on assets (ROA) | 0.7904% | 3,248 |
| Pretax return on assets | 0.8717% | 3,444 |
| Return on Equity (ROE) | 7.9374% | 2,844 |
| Retained earnings to average equity (ytd only) | 0.6520% | 4,328 |
| Net charge-offs to loans | -0.0205% | 4,435 |
| Credit loss provision to net charge-offs | -877.1930% | 4,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1358% | 885 |
| Assets per employee ($millions) | 4.6579% | 3,754 |
| Cash dividends to net income (ytd only)* | 91.7859% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7392% | 965 |
| Loan loss allowance to noncurrent loans | 248.5046% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.5906% | 1,783 |
| Noncurrent loans to loans | 0.6999% | 1,944 |
| Net loans and leases to total assets | 58.9679% | 2,985 |
| Net loans and leases to deposits | 68.2291% | 3,055 |
| Net loans and leases to core deposits | 71.3103% | 3,149 |
| Total domestic deposits to total assets | 86.4263% | 2,180 |
| Equity capital to assets | 9.5586% | 3,555 |
| Core capital (leverage) ratio | 9.3581% | 3,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3076% | 1,441 |
| Memoranda: | ||
| Average total assets | $406,654,800 | 1,839 |
| Average earning assets | $376,598,000 | 1,847 |
| Average equity | $40,491,800 | 2,003 |
| Average total loans | $277,577,800 | 1,783 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6022% | 4,006 |
| Cost of funding earning assets | 0.4655% | 3,442 |
| Net interest margin | 3.1366% | 3,653 |
| Noninterest income to average assets | 2.0374% | 312 |
| Noninterest expense to average assets | 3.9011% | 411 |
| Loan and lease loss provision to assets | 0.1672% | 2,324 |
| Net operating income to assets | 0.6746% | 3,543 |
| Return on assets (ROA) | 0.7073% | 3,537 |
| Pretax return on assets | 0.9163% | 3,338 |
| Return on Equity (ROE) | 7.0265% | 3,185 |
| Retained earnings to average equity (ytd only) | -2.6034% | 4,745 |
| Net charge-offs to loans | -0.0289% | 4,519 |
| Credit loss provision to net charge-offs | -819.6721% | 3,887 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9207% | 949 |
| Assets per employee ($millions) | 4.4759% | 3,874 |
| Cash dividends to net income (ytd only)* | 137.0510% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6100% | 1,074 |
| Loan loss allowance to noncurrent loans | 128.1872% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 0.9942% | 1,124 |
| Noncurrent loans to loans | 1.2559% | 1,198 |
| Net loans and leases to total assets | 65.0700% | 2,634 |
| Net loans and leases to deposits | 75.4489% | 2,803 |
| Net loans and leases to core deposits | 80.4413% | 2,808 |
| Total domestic deposits to total assets | 86.2438% | 1,961 |
| Equity capital to assets | 9.4872% | 3,695 |
| Core capital (leverage) ratio | 9.2548% | 3,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2546% | 1,746 |
| Memoranda: | ||
| Average total assets | $398,856,750 | 1,843 |
| Average earning assets | $369,473,750 | 1,844 |
| Average equity | $40,151,750 | 2,011 |
| Average total loans | $281,282,500 | 1,755 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8566% | 3,727 |
| Cost of funding earning assets | 0.5048% | 3,505 |
| Net interest margin | 3.3518% | 3,243 |
| Noninterest income to average assets | 1.8961% | 313 |
| Noninterest expense to average assets | 3.9534% | 429 |
| Loan and lease loss provision to assets | 0.2059% | 1,994 |
| Net operating income to assets | 0.6516% | 3,574 |
| Return on assets (ROA) | 0.7020% | 3,494 |
| Pretax return on assets | 0.9105% | 3,283 |
| Return on Equity (ROE) | 6.8290% | 3,196 |
| Retained earnings to average equity (ytd only) | -7.6901% | 4,868 |
| Net charge-offs to loans | -0.0235% | 4,460 |
| Credit loss provision to net charge-offs | -1,212.1212% | 3,787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9739% | 966 |
| Assets per employee ($millions) | 4.3731% | 3,936 |
| Cash dividends to net income (ytd only)* | 212.6100% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5975% | 1,015 |
| Loan loss allowance to noncurrent loans | 138.8941% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 0.9048% | 1,355 |
| Noncurrent loans to loans | 1.1502% | 1,371 |
| Net loans and leases to total assets | 63.2566% | 2,968 |
| Net loans and leases to deposits | 72.9678% | 3,165 |
| Net loans and leases to core deposits | 77.7519% | 3,132 |
| Total domestic deposits to total assets | 86.6911% | 1,734 |
| Equity capital to assets | 9.2224% | 3,906 |
| Core capital (leverage) ratio | 9.5676% | 3,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5248% | 1,628 |
| Memoranda: | ||
| Average total assets | $388,581,667 | 1,854 |
| Average earning assets | $360,526,000 | 1,855 |
| Average equity | $39,947,333 | 2,003 |
| Average total loans | $280,320,333 | 1,746 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1054% | 3,512 |
| Cost of funding earning assets | 0.6019% | 3,427 |
| Net interest margin | 3.5036% | 2,964 |
| Noninterest income to average assets | 1.5142% | 389 |
| Noninterest expense to average assets | 3.8973% | 557 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6540% | 3,441 |
| Return on assets (ROA) | 0.7609% | 3,130 |
| Pretax return on assets | 0.9869% | 2,879 |
| Return on Equity (ROE) | 6.9774% | 2,959 |
| Retained earnings to average equity (ytd only) | -22.0534% | 4,987 |
| Net charge-offs to loans | -0.0028% | 3,713 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0690% | 969 |
| Assets per employee ($millions) | 3.6615% | 4,322 |
| Cash dividends to net income (ytd only)* | 416.0689% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4290% | 1,592 |
| Loan loss allowance to noncurrent loans | 172.3916% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.8185% | 1,651 |
| Noncurrent loans to loans | 0.8289% | 1,950 |
| Net loans and leases to total assets | 74.1559% | 1,577 |
| Net loans and leases to deposits | 88.6027% | 1,680 |
| Net loans and leases to core deposits | 94.6645% | 1,910 |
| Total domestic deposits to total assets | 83.6949% | 2,887 |
| Equity capital to assets | 10.4890% | 3,333 |
| Core capital (leverage) ratio | 10.6127% | 2,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2121% | 1,838 |
| Memoranda: | ||
| Average total assets | $366,405,000 | 1,900 |
| Average earning assets | $338,283,000 | 1,900 |
| Average equity | $39,957,500 | 1,985 |
| Average total loans | $281,327,500 | 1,707 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4001% | 3,249 |
| Cost of funding earning assets | 0.6901% | 3,208 |
| Net interest margin | 3.7100% | 2,789 |
| Noninterest income to average assets | 1.5518% | 387 |
| Noninterest expense to average assets | 5.4576% | 163 |
| Loan and lease loss provision to assets | -0.0821% | 5,056 |
| Net operating income to assets | -0.3220% | 5,033 |
| Return on assets (ROA) | -0.3187% | 5,041 |
| Pretax return on assets | -0.4005% | 5,048 |
| Return on Equity (ROE) | -2.7830% | 5,043 |
| Retained earnings to average equity (ytd only) | -2.9741% | 4,910 |
| Net charge-offs to loans | -0.0247% | 4,672 |
| Credit loss provision to net charge-offs | 428.5714% | 663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.7892% | 106 |
| Assets per employee ($millions) | 3.3899% | 4,572 |
| Cash dividends to net income (ytd only)* | -6.8670% | 5,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4246% | 1,438 |
| Loan loss allowance to noncurrent loans | 163.1964% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.8894% | 1,431 |
| Noncurrent loans to loans | 0.8730% | 1,756 |
| Net loans and leases to total assets | 77.2742% | 1,210 |
| Net loans and leases to deposits | 91.7702% | 1,395 |
| Net loans and leases to core deposits | 95.7331% | 1,924 |
| Total domestic deposits to total assets | 84.2040% | 2,786 |
| Equity capital to assets | 11.3380% | 2,665 |
| Core capital (leverage) ratio | 11.1166% | 2,404 |
| Tier 1 risk-based capital ratio | 14.4979% | 3,020 |
| Total risk-based capital ratio | 15.7508% | 2,920 |
| Memoranda: | ||
| Average total assets | $365,582,400 | 1,859 |
| Average earning assets | $336,922,800 | 1,856 |
| Average equity | $41,861,800 | 1,855 |
| Average total loans | $283,913,600 | 1,672 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3475% | 3,518 |
| Cost of funding earning assets | 0.6925% | 3,250 |
| Net interest margin | 3.6550% | 3,072 |
| Noninterest income to average assets | 1.5688% | 372 |
| Noninterest expense to average assets | 4.1570% | 437 |
| Loan and lease loss provision to assets | -0.1089% | 5,170 |
| Net operating income to assets | 0.6839% | 4,061 |
| Return on assets (ROA) | 0.6882% | 4,107 |
| Pretax return on assets | 0.8941% | 3,888 |
| Return on Equity (ROE) | 5.9954% | 4,048 |
| Retained earnings to average equity (ytd only) | 5.9954% | 2,374 |
| Net charge-offs to loans | -0.0145% | 4,490 |
| Credit loss provision to net charge-offs | 967.7419% | 368 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2063% | 602 |
| Assets per employee ($millions) | 3.4758% | 4,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3724% | 1,676 |
| Loan loss allowance to noncurrent loans | 155.2950% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 0.8978% | 1,511 |
| Noncurrent loans to loans | 0.8838% | 1,816 |
| Net loans and leases to total assets | 77.5126% | 1,226 |
| Net loans and leases to deposits | 95.7513% | 1,047 |
| Net loans and leases to core deposits | 99.7447% | 1,680 |
| Total domestic deposits to total assets | 80.9520% | 3,771 |
| Equity capital to assets | 11.9103% | 2,319 |
| Core capital (leverage) ratio | 11.6824% | 2,094 |
| Tier 1 risk-based capital ratio | 15.0890% | 2,807 |
| Total risk-based capital ratio | 16.3409% | 2,737 |
| Memoranda: | ||
| Average total assets | $367,145,000 | 1,870 |
| Average earning assets | $338,302,500 | 1,865 |
| Average equity | $42,142,000 | 1,855 |
| Average total loans | $284,471,000 | 1,684 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2604% | 3,762 |
| Cost of funding earning assets | 0.6514% | 3,401 |
| Net interest margin | 3.6090% | 3,226 |
| Noninterest income to average assets | 1.4207% | 434 |
| Noninterest expense to average assets | 4.0958% | 475 |
| Loan and lease loss provision to assets | -0.1091% | 5,216 |
| Net operating income to assets | 0.5877% | 4,339 |
| Return on assets (ROA) | 0.5868% | 4,379 |
| Pretax return on assets | 0.7630% | 4,188 |
| Return on Equity (ROE) | 5.1778% | 4,299 |
| Retained earnings to average equity (ytd only) | 5.1778% | 2,680 |
| Net charge-offs to loans | -0.0163% | 4,482 |
| Credit loss provision to net charge-offs | 869.5652% | 391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2128% | 541 |
| Assets per employee ($millions) | 3.7395% | 4,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3780% | 1,704 |
| Loan loss allowance to noncurrent loans | 426.6527% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.5081% | 2,513 |
| Noncurrent loans to loans | 0.3230% | 3,375 |
| Net loans and leases to total assets | 75.5505% | 1,619 |
| Net loans and leases to deposits | 94.4326% | 1,212 |
| Net loans and leases to core deposits | 100.3618% | 1,688 |
| Total domestic deposits to total assets | 80.0047% | 4,037 |
| Equity capital to assets | 11.0921% | 2,955 |
| Core capital (leverage) ratio | 11.5378% | 2,127 |
| Tier 1 risk-based capital ratio | 14.5578% | 3,038 |
| Total risk-based capital ratio | 15.8096% | 2,959 |
| Memoranda: | ||
| Average total assets | $366,714,000 | 1,882 |
| Average earning assets | $338,371,670 | 1,876 |
| Average equity | $41,562,000 | 1,872 |
| Average total loans | $282,774,670 | 1,702 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2512% | 3,708 |
| Cost of funding earning assets | 0.6267% | 3,429 |
| Net interest margin | 3.6245% | 3,159 |
| Noninterest income to average assets | 1.2028% | 560 |
| Noninterest expense to average assets | 3.9923% | 548 |
| Loan and lease loss provision to assets | -0.1119% | 5,296 |
| Net operating income to assets | 0.5158% | 4,476 |
| Return on assets (ROA) | 0.5158% | 4,497 |
| Pretax return on assets | 0.6680% | 4,377 |
| Return on Equity (ROE) | 4.4996% | 4,468 |
| Retained earnings to average equity (ytd only) | 4.4996% | 3,123 |
| Net charge-offs to loans | -0.0260% | 4,596 |
| Credit loss provision to net charge-offs | 555.5556% | 575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7737% | 498 |
| Assets per employee ($millions) | 3.5550% | 4,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4752% | 1,410 |
| Loan loss allowance to noncurrent loans | 610.1173% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.4648% | 2,751 |
| Noncurrent loans to loans | 0.2418% | 3,703 |
| Net loans and leases to total assets | 75.8933% | 1,501 |
| Net loans and leases to deposits | 88.5848% | 1,795 |
| Net loans and leases to core deposits | 101.8763% | 1,476 |
| Total domestic deposits to total assets | 85.6731% | 2,412 |
| Equity capital to assets | 11.3373% | 2,533 |
| Core capital (leverage) ratio | 11.7797% | 1,920 |
| Tier 1 risk-based capital ratio | 15.1069% | 2,835 |
| Total risk-based capital ratio | 16.3603% | 2,746 |
| Memoranda: | ||
| Average total assets | $357,488,000 | 1,924 |
| Average earning assets | $329,977,000 | 1,922 |
| Average equity | $40,981,500 | 1,891 |
| Average total loans | $276,631,500 | 1,733 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2099% | 3,411 |
| Cost of funding earning assets | 0.4713% | 3,544 |
| Net interest margin | 3.7385% | 2,904 |
| Noninterest income to average assets | 1.6840% | 339 |
| Noninterest expense to average assets | 4.2117% | 395 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9351% | 3,306 |
| Return on assets (ROA) | 0.9351% | 3,299 |
| Pretax return on assets | 0.9351% | 3,801 |
| Return on Equity (ROE) | 8.7712% | 3,109 |
| Retained earnings to average equity (ytd only) | 8.7712% | 946 |
| Net charge-offs to loans | -0.1066% | 5,166 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8316% | 817 |
| Assets per employee ($millions) | 3.4649% | 4,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5645% | 1,109 |
| Loan loss allowance to noncurrent loans | 511.8215% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.5380% | 2,442 |
| Noncurrent loans to loans | 0.3057% | 3,454 |
| Net loans and leases to total assets | 77.0495% | 1,433 |
| Net loans and leases to deposits | 89.5339% | 1,859 |
| Net loans and leases to core deposits | 91.8141% | 2,420 |
| Total domestic deposits to total assets | 86.0563% | 2,201 |
| Equity capital to assets | 11.0028% | 2,686 |
| Core capital (leverage) ratio | 11.5195% | 2,089 |
| Tier 1 risk-based capital ratio | 14.9410% | 2,852 |
| Total risk-based capital ratio | 16.1951% | 2,780 |
| Memoranda: | ||
| Average total assets | $342,211,800 | 1,942 |
| Average earning assets | $316,968,600 | 1,941 |
| Average equity | $36,483,200 | 2,009 |
| Average total loans | $260,838,800 | 1,772 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2050% | 3,302 |
| Cost of funding earning assets | 0.4405% | 3,597 |
| Net interest margin | 3.7645% | 2,774 |
| Noninterest income to average assets | 1.7548% | 337 |
| Noninterest expense to average assets | 4.2683% | 365 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9736% | 3,199 |
| Return on assets (ROA) | 0.9736% | 3,211 |
| Pretax return on assets | 0.9736% | 3,808 |
| Return on Equity (ROE) | 9.2070% | 3,001 |
| Retained earnings to average equity (ytd only) | 9.2070% | 1,151 |
| Net charge-offs to loans | -0.1425% | 5,237 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4271% | 818 |
| Assets per employee ($millions) | 3.2299% | 4,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6098% | 1,059 |
| Loan loss allowance to noncurrent loans | 594.8107% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.5201% | 2,660 |
| Noncurrent loans to loans | 0.2706% | 3,719 |
| Net loans and leases to total assets | 76.4333% | 1,595 |
| Net loans and leases to deposits | 87.3559% | 2,228 |
| Net loans and leases to core deposits | 89.5898% | 2,692 |
| Total domestic deposits to total assets | 87.4965% | 1,490 |
| Equity capital to assets | 10.8971% | 2,757 |
| Core capital (leverage) ratio | 11.3222% | 2,318 |
| Tier 1 risk-based capital ratio | 15.0043% | 2,881 |
| Total risk-based capital ratio | 16.2590% | 2,801 |
| Memoranda: | ||
| Average total assets | $341,143,500 | 1,958 |
| Average earning assets | $315,995,500 | 1,953 |
| Average equity | $36,073,250 | 2,030 |
| Average total loans | $258,246,500 | 1,795 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1761% | 3,183 |
| Cost of funding earning assets | 0.4102% | 3,650 |
| Net interest margin | 3.7659% | 2,695 |
| Noninterest income to average assets | 1.7167% | 349 |
| Noninterest expense to average assets | 4.2825% | 372 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9204% | 3,370 |
| Return on assets (ROA) | 0.9204% | 3,372 |
| Pretax return on assets | 0.9204% | 3,905 |
| Return on Equity (ROE) | 8.7929% | 3,121 |
| Retained earnings to average equity (ytd only) | 8.7929% | 1,280 |
| Net charge-offs to loans | -0.0725% | 5,053 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3099% | 810 |
| Assets per employee ($millions) | 3.3667% | 4,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5777% | 1,164 |
| Loan loss allowance to noncurrent loans | 190.2485% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 0.9136% | 1,647 |
| Noncurrent loans to loans | 0.8293% | 2,068 |
| Net loans and leases to total assets | 72.3023% | 2,228 |
| Net loans and leases to deposits | 81.6954% | 2,797 |
| Net loans and leases to core deposits | 83.8002% | 3,098 |
| Total domestic deposits to total assets | 88.5022% | 1,142 |
| Equity capital to assets | 10.3617% | 3,265 |
| Core capital (leverage) ratio | 10.9794% | 2,545 |
| Tier 1 risk-based capital ratio | 14.9376% | 2,903 |
| Total risk-based capital ratio | 16.1916% | 2,825 |
| Memoranda: | ||
| Average total assets | $341,812,670 | 1,963 |
| Average earning assets | $316,416,670 | 1,961 |
| Average equity | $35,779,000 | 2,048 |
| Average total loans | $256,510,670 | 1,814 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9098% | 3,902 |
| Cost of funding earning assets | 0.3883% | 3,674 |
| Net interest margin | 3.5215% | 3,455 |
| Noninterest income to average assets | 1.6111% | 381 |
| Noninterest expense to average assets | 4.2292% | 392 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6480% | 4,283 |
| Return on assets (ROA) | 0.6480% | 4,291 |
| Pretax return on assets | 0.6480% | 4,571 |
| Return on Equity (ROE) | 6.1584% | 4,104 |
| Retained earnings to average equity (ytd only) | 6.1584% | 2,640 |
| Net charge-offs to loans | -0.0484% | 4,955 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7136% | 592 |
| Assets per employee ($millions) | 2.9959% | 5,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5520% | 1,282 |
| Loan loss allowance to noncurrent loans | 112.0549% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 1.3727% | 1,065 |
| Noncurrent loans to loans | 1.3850% | 1,288 |
| Net loans and leases to total assets | 74.8942% | 1,725 |
| Net loans and leases to deposits | 85.1220% | 2,281 |
| Net loans and leases to core deposits | 87.5251% | 2,678 |
| Total domestic deposits to total assets | 87.9846% | 1,629 |
| Equity capital to assets | 10.4637% | 3,114 |
| Core capital (leverage) ratio | 10.9197% | 2,522 |
| Tier 1 risk-based capital ratio | 14.5409% | 3,101 |
| Total risk-based capital ratio | 15.7950% | 3,001 |
| Memoranda: | ||
| Average total assets | $337,650,500 | 1,988 |
| Average earning assets | $313,164,500 | 1,986 |
| Average equity | $35,528,500 | 2,071 |
| Average total loans | $256,158,500 | 1,822 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9885% | 3,441 |
| Cost of funding earning assets | 0.3403% | 3,797 |
| Net interest margin | 3.6482% | 2,992 |
| Noninterest income to average assets | 1.6222% | 397 |
| Noninterest expense to average assets | 4.4816% | 319 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5045% | 4,362 |
| Return on assets (ROA) | 0.5048% | 4,396 |
| Pretax return on assets | 0.5048% | 4,923 |
| Return on Equity (ROE) | 4.8387% | 4,227 |
| Retained earnings to average equity (ytd only) | 4.8387% | 2,229 |
| Net charge-offs to loans | 0.0591% | 2,624 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 11.1060% | 2,603 |
| Efficiency ratio | 89.8811% | 437 |
| Assets per employee ($millions) | 2.8784% | 5,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5563% | 1,255 |
| Loan loss allowance to noncurrent loans | 105.1445% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 1.4440% | 971 |
| Noncurrent loans to loans | 1.4801% | 1,155 |
| Net loans and leases to total assets | 74.4766% | 1,840 |
| Net loans and leases to deposits | 84.7754% | 2,404 |
| Net loans and leases to core deposits | 86.8653% | 2,838 |
| Total domestic deposits to total assets | 87.8516% | 1,582 |
| Equity capital to assets | 10.5811% | 3,077 |
| Core capital (leverage) ratio | 10.8687% | 2,459 |
| Tier 1 risk-based capital ratio | 14.4804% | 3,097 |
| Total risk-based capital ratio | 15.7344% | 3,017 |
| Memoranda: | ||
| Average total assets | $332,379,400 | 1,993 |
| Average earning assets | $306,480,400 | 2,010 |
| Average equity | $34,678,400 | 2,101 |
| Average total loans | $255,581,000 | 1,786 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8061% | 3,991 |
| Cost of funding earning assets | 0.3277% | 3,866 |
| Net interest margin | 3.4784% | 3,574 |
| Noninterest income to average assets | 1.7334% | 386 |
| Noninterest expense to average assets | 4.5189% | 312 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4230% | 4,948 |
| Return on assets (ROA) | 0.4234% | 4,978 |
| Pretax return on assets | 0.4234% | 5,151 |
| Return on Equity (ROE) | 4.0727% | 4,835 |
| Retained earnings to average equity (ytd only) | 4.0727% | 3,497 |
| Net charge-offs to loans | -0.0646% | 5,246 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4407% | 357 |
| Assets per employee ($millions) | 2.8054% | 5,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5951% | 1,255 |
| Loan loss allowance to noncurrent loans | 89.7734% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 1.7832% | 784 |
| Noncurrent loans to loans | 1.7768% | 1,014 |
| Net loans and leases to total assets | 77.6993% | 1,314 |
| Net loans and leases to deposits | 90.9515% | 1,696 |
| Net loans and leases to core deposits | 93.3586% | 2,315 |
| Total domestic deposits to total assets | 85.4293% | 2,546 |
| Equity capital to assets | 10.5371% | 3,336 |
| Core capital (leverage) ratio | 10.5542% | 2,928 |
| Tier 1 risk-based capital ratio | 13.6798% | 3,595 |
| Total risk-based capital ratio | 14.9343% | 3,519 |
| Memoranda: | ||
| Average total assets | $331,282,000 | 2,013 |
| Average earning assets | $305,572,250 | 2,028 |
| Average equity | $34,439,500 | 2,127 |
| Average total loans | $255,781,500 | 1,794 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7433% | 4,095 |
| Cost of funding earning assets | 0.3097% | 3,976 |
| Net interest margin | 3.4336% | 3,654 |
| Noninterest income to average assets | 1.6862% | 405 |
| Noninterest expense to average assets | 4.4978% | 323 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3508% | 5,094 |
| Return on assets (ROA) | 0.3514% | 5,116 |
| Pretax return on assets | 0.3514% | 5,267 |
| Return on Equity (ROE) | 3.3964% | 5,000 |
| Retained earnings to average equity (ytd only) | 3.3964% | 3,691 |
| Net charge-offs to loans | -0.0872% | 5,375 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7641% | 335 |
| Assets per employee ($millions) | 2.7892% | 5,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5683% | 1,338 |
| Loan loss allowance to noncurrent loans | 82.5875% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 2.0334% | 621 |
| Noncurrent loans to loans | 1.8989% | 915 |
| Net loans and leases to total assets | 77.3129% | 1,346 |
| Net loans and leases to deposits | 90.4065% | 1,679 |
| Net loans and leases to core deposits | 93.3125% | 2,214 |
| Total domestic deposits to total assets | 85.5170% | 2,607 |
| Equity capital to assets | 10.2212% | 3,653 |
| Core capital (leverage) ratio | 10.6090% | 2,803 |
| Tier 1 risk-based capital ratio | 13.3565% | 3,771 |
| Total risk-based capital ratio | 14.6108% | 3,692 |
| Memoranda: | ||
| Average total assets | $329,493,330 | 2,026 |
| Average earning assets | $303,473,330 | 2,035 |
| Average equity | $34,095,000 | 2,139 |
| Average total loans | $252,437,670 | 1,809 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6769% | 4,180 |
| Cost of funding earning assets | 0.2955% | 4,094 |
| Net interest margin | 3.3814% | 3,706 |
| Noninterest income to average assets | 1.4143% | 535 |
| Noninterest expense to average assets | 4.4821% | 339 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0384% | 5,582 |
| Return on assets (ROA) | 0.0384% | 5,587 |
| Pretax return on assets | 0.0384% | 5,579 |
| Return on Equity (ROE) | 0.3689% | 5,581 |
| Retained earnings to average equity (ytd only) | 0.3689% | 4,834 |
| Net charge-offs to loans | -0.0361% | 5,025 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1500% | 235 |
| Assets per employee ($millions) | 2.5781% | 5,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7001% | 1,141 |
| Loan loss allowance to noncurrent loans | 61.6967% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 2.8015% | 376 |
| Noncurrent loans to loans | 2.7556% | 531 |
| Net loans and leases to total assets | 74.2432% | 1,697 |
| Net loans and leases to deposits | 83.2748% | 2,365 |
| Net loans and leases to core deposits | 86.2999% | 2,687 |
| Total domestic deposits to total assets | 89.1544% | 1,075 |
| Equity capital to assets | 10.5365% | 3,146 |
| Core capital (leverage) ratio | 10.7531% | 2,639 |
| Tier 1 risk-based capital ratio | 14.2527% | 3,336 |
| Total risk-based capital ratio | 15.5081% | 3,248 |
| Memoranda: | ||
| Average total assets | $322,704,000 | 2,082 |
| Average earning assets | $296,445,500 | 2,093 |
| Average equity | $33,609,500 | 2,168 |
| Average total loans | $243,924,000 | 1,873 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6582% | 4,343 |
| Cost of funding earning assets | 0.2833% | 4,231 |
| Net interest margin | 3.3749% | 3,909 |
| Noninterest income to average assets | 1.5845% | 488 |
| Noninterest expense to average assets | 4.9575% | 263 |
| Loan and lease loss provision to assets | 0.0495% | 3,411 |
| Net operating income to assets | -0.3234% | 5,747 |
| Return on assets (ROA) | -0.2849% | 5,748 |
| Pretax return on assets | -0.2849% | 5,735 |
| Return on Equity (ROE) | -2.6653% | 5,747 |
| Retained earnings to average equity (ytd only) | -2.6653% | 5,570 |
| Net charge-offs to loans | -0.1214% | 5,640 |
| Credit loss provision to net charge-offs | -58.0645% | 4,831 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.8482% | 159 |
| Assets per employee ($millions) | 2.5445% | 5,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6838% | 1,177 |
| Loan loss allowance to noncurrent loans | 62.6484% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 2.8263% | 383 |
| Noncurrent loans to loans | 2.6876% | 558 |
| Net loans and leases to total assets | 74.3740% | 1,784 |
| Net loans and leases to deposits | 83.3286% | 2,498 |
| Net loans and leases to core deposits | 85.6454% | 2,874 |
| Total domestic deposits to total assets | 89.2538% | 982 |
| Equity capital to assets | 10.2937% | 3,393 |
| Core capital (leverage) ratio | 10.4228% | 2,955 |
| Tier 1 risk-based capital ratio | 14.0237% | 3,453 |
| Total risk-based capital ratio | 15.2789% | 3,360 |
| Memoranda: | ||
| Average total assets | $327,482,000 | 2,017 |
| Average earning assets | $300,719,400 | 2,038 |
| Average equity | $35,005,000 | 2,074 |
| Average total loans | $229,824,600 | 1,905 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6102% | 4,524 |
| Cost of funding earning assets | 0.2767% | 4,323 |
| Net interest margin | 3.3336% | 4,083 |
| Noninterest income to average assets | 1.5347% | 519 |
| Noninterest expense to average assets | 4.8630% | 292 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.2674% | 5,813 |
| Return on assets (ROA) | -0.2467% | 5,820 |
| Pretax return on assets | -0.2467% | 5,806 |
| Return on Equity (ROE) | -2.2874% | 5,818 |
| Retained earnings to average equity (ytd only) | -2.2874% | 5,611 |
| Net charge-offs to loans | -0.2340% | 5,797 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.8190% | 158 |
| Assets per employee ($millions) | 2.8697% | 5,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7466% | 1,112 |
| Loan loss allowance to noncurrent loans | 56.7684% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 3.0422% | 374 |
| Noncurrent loans to loans | 3.0767% | 476 |
| Net loans and leases to total assets | 68.8115% | 2,682 |
| Net loans and leases to deposits | 77.5247% | 3,240 |
| Net loans and leases to core deposits | 79.6787% | 3,480 |
| Total domestic deposits to total assets | 88.7608% | 1,023 |
| Equity capital to assets | 10.6441% | 3,414 |
| Core capital (leverage) ratio | 10.4448% | 3,050 |
| Tier 1 risk-based capital ratio | 14.3375% | 3,375 |
| Total risk-based capital ratio | 15.5928% | 3,308 |
| Memoranda: | ||
| Average total assets | $328,565,500 | 2,018 |
| Average earning assets | $301,689,750 | 2,037 |
| Average equity | $35,440,250 | 2,066 |
| Average total loans | $226,167,250 | 1,939 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6346% | 4,491 |
| Cost of funding earning assets | 0.2686% | 4,457 |
| Net interest margin | 3.3660% | 4,005 |
| Noninterest income to average assets | 1.5242% | 518 |
| Noninterest expense to average assets | 4.5634% | 363 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.0489% | 5,725 |
| Return on assets (ROA) | 0.0801% | 5,732 |
| Pretax return on assets | 0.0801% | 5,741 |
| Return on Equity (ROE) | 0.7392% | 5,721 |
| Retained earnings to average equity (ytd only) | 0.7392% | 5,079 |
| Net charge-offs to loans | -0.3494% | 5,905 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9396% | 263 |
| Assets per employee ($millions) | 2.8659% | 5,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7756% | 1,125 |
| Loan loss allowance to noncurrent loans | 78.6004% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 2.6371% | 501 |
| Noncurrent loans to loans | 2.2590% | 823 |
| Net loans and leases to total assets | 67.6570% | 2,834 |
| Net loans and leases to deposits | 76.1959% | 3,361 |
| Net loans and leases to core deposits | 78.3053% | 3,621 |
| Total domestic deposits to total assets | 88.7935% | 1,014 |
| Equity capital to assets | 10.8519% | 3,234 |
| Core capital (leverage) ratio | 10.9675% | 2,468 |
| Tier 1 risk-based capital ratio | 15.0346% | 3,063 |
| Total risk-based capital ratio | 16.2904% | 3,000 |
| Memoranda: | ||
| Average total assets | $327,124,330 | 2,033 |
| Average earning assets | $300,116,670 | 2,055 |
| Average equity | $35,442,670 | 2,064 |
| Average total loans | $223,843,670 | 1,959 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6903% | 4,357 |
| Cost of funding earning assets | 0.2679% | 4,525 |
| Net interest margin | 3.4224% | 3,792 |
| Noninterest income to average assets | 1.3499% | 609 |
| Noninterest expense to average assets | 4.7217% | 337 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.2379% | 5,894 |
| Return on assets (ROA) | -0.2379% | 5,903 |
| Pretax return on assets | -0.2379% | 5,898 |
| Return on Equity (ROE) | -2.1978% | 5,912 |
| Retained earnings to average equity (ytd only) | -2.1978% | 5,402 |
| Net charge-offs to loans | -0.4863% | 5,990 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.3066% | 201 |
| Assets per employee ($millions) | 2.6045% | 5,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7739% | 1,204 |
| Loan loss allowance to noncurrent loans | 72.5934% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 2.8456% | 467 |
| Noncurrent loans to loans | 2.4436% | 784 |
| Net loans and leases to total assets | 68.1731% | 2,625 |
| Net loans and leases to deposits | 77.0019% | 3,108 |
| Net loans and leases to core deposits | 79.3394% | 3,378 |
| Total domestic deposits to total assets | 88.5344% | 1,341 |
| Equity capital to assets | 11.0486% | 2,888 |
| Core capital (leverage) ratio | 10.9095% | 2,489 |
| Tier 1 risk-based capital ratio | 15.2185% | 3,051 |
| Total risk-based capital ratio | 16.4742% | 2,988 |
| Memoranda: | ||
| Average total assets | $324,462,000 | 2,060 |
| Average earning assets | $297,103,000 | 2,074 |
| Average equity | $35,125,500 | 2,076 |
| Average total loans | $221,270,000 | 1,973 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4661% | 5,012 |
| Cost of funding earning assets | 0.2824% | 4,460 |
| Net interest margin | 3.1837% | 4,676 |
| Noninterest income to average assets | 1.9511% | 373 |
| Noninterest expense to average assets | 5.0032% | 279 |
| Loan and lease loss provision to assets | 0.1959% | 1,109 |
| Net operating income to assets | -0.3286% | 5,995 |
| Return on assets (ROA) | -0.2961% | 5,996 |
| Pretax return on assets | -0.2961% | 5,984 |
| Return on Equity (ROE) | -2.6815% | 6,000 |
| Retained earnings to average equity (ytd only) | -2.6815% | 5,794 |
| Net charge-offs to loans | 0.5197% | 491 |
| Credit loss provision to net charge-offs | 60.7014% | 3,264 |
| Earnings coverage of net charge-offs (x) | -0.4110% | 4,300 |
| Efficiency ratio | 102.7235% | 238 |
| Assets per employee ($millions) | 2.7822% | 5,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6689% | 1,421 |
| Loan loss allowance to noncurrent loans | 69.2743% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 3.6031% | 320 |
| Noncurrent loans to loans | 2.4091% | 782 |
| Net loans and leases to total assets | 65.4010% | 3,069 |
| Net loans and leases to deposits | 75.8675% | 3,268 |
| Net loans and leases to core deposits | 77.8405% | 3,563 |
| Total domestic deposits to total assets | 86.2042% | 2,536 |
| Equity capital to assets | 11.2846% | 2,553 |
| Core capital (leverage) ratio | 11.3352% | 2,098 |
| Tier 1 risk-based capital ratio | 15.9477% | 2,712 |
| Total risk-based capital ratio | 17.2012% | 2,644 |
| Memoranda: | ||
| Average total assets | $344,518,200 | 1,893 |
| Average earning assets | $315,919,200 | 1,915 |
| Average equity | $38,038,600 | 1,884 |
| Average total loans | $213,987,600 | 1,963 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4071% | 5,189 |
| Cost of funding earning assets | 0.2838% | 4,519 |
| Net interest margin | 3.1232% | 4,904 |
| Noninterest income to average assets | 2.1402% | 326 |
| Noninterest expense to average assets | 5.0794% | 268 |
| Loan and lease loss provision to assets | 0.1418% | 1,563 |
| Net operating income to assets | -0.2089% | 6,050 |
| Return on assets (ROA) | -0.1660% | 6,049 |
| Pretax return on assets | -0.1660% | 6,038 |
| Return on Equity (ROE) | -1.5110% | 6,044 |
| Retained earnings to average equity (ytd only) | -1.5110% | 5,807 |
| Net charge-offs to loans | 0.5887% | 379 |
| Credit loss provision to net charge-offs | 39.4456% | 3,167 |
| Earnings coverage of net charge-offs (x) | -0.1866% | 4,007 |
| Efficiency ratio | 101.3381% | 275 |
| Assets per employee ($millions) | 2.6933% | 5,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6150% | 1,734 |
| Loan loss allowance to noncurrent loans | 42.7555% | 5,151 |
| Noncurrent assets plus other real estate owned to assets | 4.3799% | 254 |
| Noncurrent loans to loans | 3.7773% | 376 |
| Net loans and leases to total assets | 62.6275% | 3,518 |
| Net loans and leases to deposits | 72.2576% | 3,736 |
| Net loans and leases to core deposits | 74.1886% | 3,999 |
| Total domestic deposits to total assets | 86.6724% | 2,198 |
| Equity capital to assets | 11.0783% | 2,927 |
| Core capital (leverage) ratio | 11.1137% | 2,381 |
| Tier 1 risk-based capital ratio | 16.3967% | 2,627 |
| Total risk-based capital ratio | 17.6499% | 2,571 |
| Memoranda: | ||
| Average total assets | $347,878,000 | 1,894 |
| Average earning assets | $319,916,500 | 1,902 |
| Average equity | $38,208,000 | 1,891 |
| Average total loans | $212,433,500 | 1,987 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3497% | 5,340 |
| Cost of funding earning assets | 0.2799% | 4,617 |
| Net interest margin | 3.0698% | 5,045 |
| Noninterest income to average assets | 2.1598% | 333 |
| Noninterest expense to average assets | 5.0274% | 286 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.0321% | 6,015 |
| Return on assets (ROA) | 0.0143% | 6,012 |
| Pretax return on assets | 0.0143% | 6,005 |
| Return on Equity (ROE) | 0.1308% | 6,010 |
| Retained earnings to average equity (ytd only) | 0.1308% | 5,464 |
| Net charge-offs to loans | 0.5607% | 433 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -0.0951% | 3,721 |
| Efficiency ratio | 100.6426% | 307 |
| Assets per employee ($millions) | 2.5996% | 5,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6207% | 1,842 |
| Loan loss allowance to noncurrent loans | 39.0967% | 5,276 |
| Noncurrent assets plus other real estate owned to assets | 3.7093% | 374 |
| Noncurrent loans to loans | 4.1453% | 352 |
| Net loans and leases to total assets | 61.3918% | 3,637 |
| Net loans and leases to deposits | 70.9479% | 3,830 |
| Net loans and leases to core deposits | 72.4070% | 4,094 |
| Total domestic deposits to total assets | 86.5308% | 2,413 |
| Equity capital to assets | 10.9246% | 2,968 |
| Core capital (leverage) ratio | 11.2716% | 2,187 |
| Tier 1 risk-based capital ratio | 16.7929% | 2,489 |
| Total risk-based capital ratio | 18.0462% | 2,443 |
| Memoranda: | ||
| Average total assets | $348,925,000 | 1,903 |
| Average earning assets | $322,300,000 | 1,904 |
| Average equity | $38,213,670 | 1,903 |
| Average total loans | $210,096,670 | 2,012 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4495% | 5,092 |
| Cost of funding earning assets | 0.3048% | 4,390 |
| Net interest margin | 3.1447% | 4,801 |
| Noninterest income to average assets | 2.1591% | 328 |
| Noninterest expense to average assets | 5.2289% | 255 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.1741% | 6,135 |
| Return on assets (ROA) | -0.1420% | 6,146 |
| Pretax return on assets | -0.1420% | 6,138 |
| Return on Equity (ROE) | -1.2953% | 6,140 |
| Retained earnings to average equity (ytd only) | -1.2953% | 5,587 |
| Net charge-offs to loans | 0.6955% | 346 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -0.4234% | 3,143 |
| Efficiency ratio | 103.4444% | 278 |
| Assets per employee ($millions) | 2.5745% | 6,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8555% | 1,385 |
| Loan loss allowance to noncurrent loans | 40.7757% | 5,276 |
| Noncurrent assets plus other real estate owned to assets | 4.1649% | 353 |
| Noncurrent loans to loans | 4.5504% | 337 |
| Net loans and leases to total assets | 57.5435% | 4,018 |
| Net loans and leases to deposits | 66.8636% | 4,063 |
| Net loans and leases to core deposits | 68.3412% | 4,301 |
| Total domestic deposits to total assets | 86.0610% | 2,908 |
| Equity capital to assets | 11.2026% | 2,752 |
| Core capital (leverage) ratio | 11.3758% | 2,100 |
| Tier 1 risk-based capital ratio | 17.4080% | 2,336 |
| Total risk-based capital ratio | 18.6630% | 2,285 |
| Memoranda: | ||
| Average total assets | $349,216,000 | 1,902 |
| Average earning assets | $321,557,000 | 1,912 |
| Average equity | $38,293,000 | 1,912 |
| Average total loans | $206,456,500 | 2,037 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7943% | 4,510 |
| Cost of funding earning assets | 0.3032% | 4,762 |
| Net interest margin | 3.4911% | 3,830 |
| Noninterest income to average assets | 1.9393% | 358 |
| Noninterest expense to average assets | 5.1461% | 282 |
| Loan and lease loss provision to assets | -0.4156% | 6,423 |
| Net operating income to assets | 0.4217% | 5,144 |
| Return on assets (ROA) | 0.5893% | 4,505 |
| Pretax return on assets | 0.5893% | 4,978 |
| Return on Equity (ROE) | 5.8880% | 4,205 |
| Retained earnings to average equity (ytd only) | 5.8880% | 1,993 |
| Net charge-offs to loans | 0.0828% | 3,314 |
| Credit loss provision to net charge-offs | -892.8571% | 5,881 |
| Earnings coverage of net charge-offs (x) | 0.1310% | 4,693 |
| Efficiency ratio | 99.8817% | 367 |
| Assets per employee ($millions) | 2.5612% | 6,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9521% | 1,193 |
| Loan loss allowance to noncurrent loans | 33.5509% | 5,556 |
| Noncurrent assets plus other real estate owned to assets | 4.6442% | 320 |
| Noncurrent loans to loans | 5.8183% | 207 |
| Net loans and leases to total assets | 58.4336% | 4,000 |
| Net loans and leases to deposits | 67.7281% | 4,152 |
| Net loans and leases to core deposits | 69.0257% | 4,408 |
| Total domestic deposits to total assets | 86.2767% | 2,690 |
| Equity capital to assets | 10.7339% | 3,198 |
| Core capital (leverage) ratio | 11.0759% | 2,336 |
| Tier 1 risk-based capital ratio | 17.8280% | 2,191 |
| Total risk-based capital ratio | 19.0857% | 2,159 |
| Memoranda: | ||
| Average total assets | $360,911,400 | 1,805 |
| Average earning assets | $332,155,600 | 1,807 |
| Average equity | $36,124,400 | 1,946 |
| Average total loans | $203,007,200 | 2,014 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0018% | 3,751 |
| Cost of funding earning assets | 0.3071% | 4,818 |
| Net interest margin | 3.6947% | 3,042 |
| Noninterest income to average assets | 1.9541% | 357 |
| Noninterest expense to average assets | 5.0476% | 297 |
| Loan and lease loss provision to assets | -0.5513% | 6,538 |
| Net operating income to assets | 0.8534% | 3,159 |
| Return on assets (ROA) | 0.9644% | 2,694 |
| Pretax return on assets | 0.9644% | 3,741 |
| Return on Equity (ROE) | 9.8080% | 2,303 |
| Retained earnings to average equity (ytd only) | 9.8080% | 754 |
| Net charge-offs to loans | 0.1578% | 2,230 |
| Credit loss provision to net charge-offs | -630.2521% | 5,797 |
| Earnings coverage of net charge-offs (x) | 3.4537% | 3,658 |
| Efficiency ratio | 94.3528% | 577 |
| Assets per employee ($millions) | 2.5168% | 6,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0130% | 1,234 |
| Loan loss allowance to noncurrent loans | 33.3636% | 5,636 |
| Noncurrent assets plus other real estate owned to assets | 4.8211% | 366 |
| Noncurrent loans to loans | 6.0335% | 232 |
| Net loans and leases to total assets | 55.0542% | 4,453 |
| Net loans and leases to deposits | 64.2344% | 4,510 |
| Net loans and leases to core deposits | 65.6379% | 4,744 |
| Total domestic deposits to total assets | 85.7084% | 3,010 |
| Equity capital to assets | 10.5682% | 3,472 |
| Core capital (leverage) ratio | 10.9661% | 2,522 |
| Tier 1 risk-based capital ratio | 17.5090% | 2,393 |
| Total risk-based capital ratio | 18.7658% | 2,352 |
| Memoranda: | ||
| Average total assets | $362,776,500 | 1,806 |
| Average earning assets | $333,406,500 | 1,814 |
| Average equity | $35,670,750 | 1,974 |
| Average total loans | $201,097,500 | 2,046 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3074% | 2,557 |
| Cost of funding earning assets | 0.3099% | 4,880 |
| Net interest margin | 3.9975% | 1,810 |
| Noninterest income to average assets | 1.9327% | 364 |
| Noninterest expense to average assets | 5.0250% | 310 |
| Loan and lease loss provision to assets | -0.8229% | 6,623 |
| Net operating income to assets | 1.4027% | 1,058 |
| Return on assets (ROA) | 1.4005% | 1,100 |
| Pretax return on assets | 1.4005% | 1,886 |
| Return on Equity (ROE) | 14.6005% | 857 |
| Retained earnings to average equity (ytd only) | 14.6005% | 233 |
| Net charge-offs to loans | 0.0686% | 3,017 |
| Credit loss provision to net charge-offs | -2,173.9130% | 5,831 |
| Earnings coverage of net charge-offs (x) | 15.3188% | 1,857 |
| Efficiency ratio | 89.6545% | 946 |
| Assets per employee ($millions) | 2.5257% | 6,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1128% | 1,155 |
| Loan loss allowance to noncurrent loans | 41.4509% | 5,456 |
| Noncurrent assets plus other real estate owned to assets | 4.1054% | 505 |
| Noncurrent loans to loans | 5.0971% | 381 |
| Net loans and leases to total assets | 53.6436% | 4,580 |
| Net loans and leases to deposits | 62.0763% | 4,687 |
| Net loans and leases to core deposits | 63.4960% | 4,860 |
| Total domestic deposits to total assets | 86.4155% | 2,809 |
| Equity capital to assets | 10.4321% | 3,528 |
| Core capital (leverage) ratio | 10.7846% | 2,639 |
| Tier 1 risk-based capital ratio | 17.3380% | 2,479 |
| Total risk-based capital ratio | 18.5954% | 2,437 |
| Memoranda: | ||
| Average total assets | $364,574,000 | 1,795 |
| Average earning assets | $334,913,330 | 1,798 |
| Average equity | $34,971,330 | 1,995 |
| Average total loans | $201,197,670 | 2,038 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6451% | 5,027 |
| Cost of funding earning assets | 0.3107% | 4,960 |
| Net interest margin | 3.3344% | 4,400 |
| Noninterest income to average assets | 2.0602% | 323 |
| Noninterest expense to average assets | 5.1516% | 289 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.0219% | 6,228 |
| Return on assets (ROA) | -0.0800% | 6,279 |
| Pretax return on assets | -0.0800% | 6,272 |
| Return on Equity (ROE) | -0.8720% | 6,284 |
| Retained earnings to average equity (ytd only) | -0.8720% | 5,706 |
| Net charge-offs to loans | 0.0792% | 2,361 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -0.5000% | 3,478 |
| Efficiency ratio | 100.4273% | 455 |
| Assets per employee ($millions) | 2.3792% | 6,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8807% | 494 |
| Loan loss allowance to noncurrent loans | 32.8657% | 5,777 |
| Noncurrent assets plus other real estate owned to assets | 6.0845% | 275 |
| Noncurrent loans to loans | 8.7651% | 139 |
| Net loans and leases to total assets | 53.5104% | 4,490 |
| Net loans and leases to deposits | 61.2350% | 4,636 |
| Net loans and leases to core deposits | 63.5268% | 4,732 |
| Total domestic deposits to total assets | 87.3853% | 2,576 |
| Equity capital to assets | 9.4159% | 4,604 |
| Core capital (leverage) ratio | 10.1071% | 3,419 |
| Tier 1 risk-based capital ratio | 15.9025% | 3,217 |
| Total risk-based capital ratio | 17.1676% | 3,164 |
| Memoranda: | ||
| Average total assets | $365,013,500 | 1,798 |
| Average earning assets | $336,012,000 | 1,800 |
| Average equity | $33,486,500 | 2,058 |
| Average total loans | $202,141,500 | 2,032 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5277% | 5,585 |
| Cost of funding earning assets | 0.3756% | 4,886 |
| Net interest margin | 3.1521% | 5,154 |
| Noninterest income to average assets | 2.5014% | 283 |
| Noninterest expense to average assets | 6.0065% | 199 |
| Loan and lease loss provision to assets | -0.2128% | 6,608 |
| Net operating income to assets | -0.3840% | 6,452 |
| Return on assets (ROA) | -0.4292% | 6,477 |
| Pretax return on assets | -0.4292% | 6,463 |
| Return on Equity (ROE) | -4.4430% | 6,470 |
| Retained earnings to average equity (ytd only) | -4.4430% | 6,339 |
| Net charge-offs to loans | 0.3722% | 1,817 |
| Credit loss provision to net charge-offs | -104.0312% | 5,890 |
| Earnings coverage of net charge-offs (x) | -2.9181% | 5,353 |
| Efficiency ratio | 111.0314% | 256 |
| Assets per employee ($millions) | 2.3316% | 6,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8191% | 580 |
| Loan loss allowance to noncurrent loans | 39.5972% | 5,645 |
| Noncurrent assets plus other real estate owned to assets | 5.5472% | 381 |
| Noncurrent loans to loans | 7.1196% | 231 |
| Net loans and leases to total assets | 54.0866% | 4,573 |
| Net loans and leases to deposits | 61.9126% | 4,736 |
| Net loans and leases to core deposits | 63.2275% | 4,947 |
| Total domestic deposits to total assets | 87.3597% | 2,546 |
| Equity capital to assets | 8.9366% | 5,113 |
| Core capital (leverage) ratio | 10.0021% | 3,577 |
| Tier 1 risk-based capital ratio | 15.4734% | 3,390 |
| Total risk-based capital ratio | 16.7378% | 3,333 |
| Memoranda: | ||
| Average total assets | $376,027,600 | 1,738 |
| Average earning assets | $346,940,200 | 1,726 |
| Average equity | $36,327,200 | 1,903 |
| Average total loans | $206,581,600 | 1,952 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4752% | 5,745 |
| Cost of funding earning assets | 0.3800% | 4,996 |
| Net interest margin | 3.0951% | 5,329 |
| Noninterest income to average assets | 2.6473% | 272 |
| Noninterest expense to average assets | 6.0622% | 199 |
| Loan and lease loss provision to assets | -0.2822% | 6,766 |
| Net operating income to assets | -0.2766% | 6,512 |
| Return on assets (ROA) | -0.3242% | 6,549 |
| Pretax return on assets | -0.3242% | 6,531 |
| Return on Equity (ROE) | -3.2957% | 6,537 |
| Retained earnings to average equity (ytd only) | -3.2957% | 6,383 |
| Net charge-offs to loans | 0.6165% | 1,005 |
| Credit loss provision to net charge-offs | -83.5946% | 5,756 |
| Earnings coverage of net charge-offs (x) | -1.6552% | 5,064 |
| Efficiency ratio | 110.1538% | 264 |
| Assets per employee ($millions) | 2.1597% | 6,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9116% | 610 |
| Loan loss allowance to noncurrent loans | 33.3393% | 5,869 |
| Noncurrent assets plus other real estate owned to assets | 5.8795% | 418 |
| Noncurrent loans to loans | 8.7333% | 191 |
| Net loans and leases to total assets | 51.6986% | 4,909 |
| Net loans and leases to deposits | 58.3730% | 5,150 |
| Net loans and leases to core deposits | 59.3050% | 5,349 |
| Total domestic deposits to total assets | 88.5659% | 1,801 |
| Equity capital to assets | 9.2265% | 4,903 |
| Core capital (leverage) ratio | 10.1972% | 3,405 |
| Tier 1 risk-based capital ratio | 16.4734% | 2,944 |
| Total risk-based capital ratio | 17.7382% | 2,905 |
| Memoranda: | ||
| Average total assets | $377,938,250 | 1,742 |
| Average earning assets | $348,753,250 | 1,732 |
| Average equity | $37,178,750 | 1,874 |
| Average total loans | $206,970,250 | 1,956 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5129% | 5,665 |
| Cost of funding earning assets | 0.3795% | 5,143 |
| Net interest margin | 3.1333% | 5,178 |
| Noninterest income to average assets | 2.7939% | 279 |
| Noninterest expense to average assets | 5.9704% | 209 |
| Loan and lease loss provision to assets | -0.4170% | 6,860 |
| Net operating income to assets | 0.1366% | 6,050 |
| Return on assets (ROA) | 0.0563% | 6,307 |
| Pretax return on assets | 0.0563% | 6,299 |
| Return on Equity (ROE) | 0.5613% | 6,299 |
| Retained earnings to average equity (ytd only) | 0.5613% | 5,679 |
| Net charge-offs to loans | 0.7417% | 873 |
| Credit loss provision to net charge-offs | -101.7812% | 5,626 |
| Earnings coverage of net charge-offs (x) | -0.6845% | 4,683 |
| Efficiency ratio | 104.9285% | 368 |
| Assets per employee ($millions) | 2.1390% | 6,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9003% | 642 |
| Loan loss allowance to noncurrent loans | 37.0373% | 5,751 |
| Noncurrent assets plus other real estate owned to assets | 5.7902% | 484 |
| Noncurrent loans to loans | 7.8308% | 266 |
| Net loans and leases to total assets | 52.1398% | 4,843 |
| Net loans and leases to deposits | 59.2277% | 5,048 |
| Net loans and leases to core deposits | 60.8000% | 5,191 |
| Total domestic deposits to total assets | 88.0327% | 2,222 |
| Equity capital to assets | 9.7135% | 4,288 |
| Core capital (leverage) ratio | 10.1117% | 3,350 |
| Tier 1 risk-based capital ratio | 16.5050% | 2,938 |
| Total risk-based capital ratio | 17.7701% | 2,885 |
| Memoranda: | ||
| Average total assets | $383,692,000 | 1,726 |
| Average earning assets | $354,637,330 | 1,709 |
| Average equity | $38,479,000 | 1,821 |
| Average total loans | $211,941,330 | 1,919 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4306% | 5,874 |
| Cost of funding earning assets | 0.3836% | 5,250 |
| Net interest margin | 3.0470% | 5,445 |
| Noninterest income to average assets | 2.8782% | 267 |
| Noninterest expense to average assets | 6.3475% | 185 |
| Loan and lease loss provision to assets | -0.8194% | 6,990 |
| Net operating income to assets | 0.1731% | 5,973 |
| Return on assets (ROA) | 0.1731% | 6,073 |
| Pretax return on assets | 0.1731% | 6,129 |
| Return on Equity (ROE) | 1.7008% | 6,028 |
| Retained earnings to average equity (ytd only) | 1.7008% | 5,131 |
| Net charge-offs to loans | 0.7815% | 783 |
| Credit loss provision to net charge-offs | -187.3536% | 5,242 |
| Earnings coverage of net charge-offs (x) | -1.4778% | 3,997 |
| Efficiency ratio | 111.3367% | 313 |
| Assets per employee ($millions) | 2.1691% | 6,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9319% | 708 |
| Loan loss allowance to noncurrent loans | 38.3752% | 5,676 |
| Noncurrent assets plus other real estate owned to assets | 5.7967% | 569 |
| Noncurrent loans to loans | 7.6401% | 361 |
| Net loans and leases to total assets | 53.0926% | 4,541 |
| Net loans and leases to deposits | 60.7707% | 4,710 |
| Net loans and leases to core deposits | 62.3444% | 4,920 |
| Total domestic deposits to total assets | 87.3654% | 2,715 |
| Equity capital to assets | 10.4578% | 3,585 |
| Core capital (leverage) ratio | 10.1653% | 3,189 |
| Tier 1 risk-based capital ratio | 15.9692% | 3,289 |
| Total risk-based capital ratio | 17.2351% | 3,238 |
| Memoranda: | ||
| Average total assets | $390,517,000 | 1,709 |
| Average earning assets | $361,798,500 | 1,690 |
| Average equity | $39,746,500 | 1,792 |
| Average total loans | $218,561,000 | 1,878 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2361% | 4,448 |
| Cost of funding earning assets | 0.6546% | 3,876 |
| Net interest margin | 3.5815% | 4,174 |
| Noninterest income to average assets | 2.9368% | 266 |
| Noninterest expense to average assets | 6.5519% | 177 |
| Loan and lease loss provision to assets | 0.2354% | 2,778 |
| Net operating income to assets | -0.5207% | 6,577 |
| Return on assets (ROA) | 0.2465% | 5,846 |
| Pretax return on assets | 0.2465% | 5,916 |
| Return on Equity (ROE) | 2.6037% | 5,708 |
| Retained earnings to average equity (ytd only) | 2.6037% | 4,397 |
| Net charge-offs to loans | 1.1670% | 879 |
| Credit loss provision to net charge-offs | 32.9056% | 5,063 |
| Earnings coverage of net charge-offs (x) | -0.3988% | 5,645 |
| Efficiency ratio | 104.5531% | 434 |
| Assets per employee ($millions) | 2.1352% | 6,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2188% | 540 |
| Loan loss allowance to noncurrent loans | 36.8759% | 5,780 |
| Noncurrent assets plus other real estate owned to assets | 5.8034% | 612 |
| Noncurrent loans to loans | 8.7287% | 312 |
| Net loans and leases to total assets | 55.3416% | 4,402 |
| Net loans and leases to deposits | 62.9425% | 4,666 |
| Net loans and leases to core deposits | 64.7700% | 4,870 |
| Total domestic deposits to total assets | 87.9240% | 2,284 |
| Equity capital to assets | 9.9103% | 4,295 |
| Core capital (leverage) ratio | 9.5762% | 4,000 |
| Tier 1 risk-based capital ratio | 15.6602% | 3,341 |
| Total risk-based capital ratio | 16.9318% | 3,284 |
| Memoranda: | ||
| Average total assets | $424,776,800 | 1,544 |
| Average earning assets | $394,913,200 | 1,526 |
| Average equity | $40,211,600 | 1,730 |
| Average total loans | $260,410,400 | 1,587 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3928% | 4,082 |
| Cost of funding earning assets | 0.7146% | 3,644 |
| Net interest margin | 3.6783% | 3,887 |
| Noninterest income to average assets | 2.6041% | 303 |
| Noninterest expense to average assets | 6.2059% | 198 |
| Loan and lease loss provision to assets | 0.3092% | 2,136 |
| Net operating income to assets | -0.4917% | 6,697 |
| Return on assets (ROA) | 0.3516% | 5,632 |
| Pretax return on assets | 0.3516% | 5,834 |
| Return on Equity (ROE) | 3.7550% | 5,382 |
| Retained earnings to average equity (ytd only) | 3.7550% | 4,249 |
| Net charge-offs to loans | 1.3565% | 680 |
| Credit loss provision to net charge-offs | 36.6166% | 4,690 |
| Earnings coverage of net charge-offs (x) | -0.2160% | 5,412 |
| Efficiency ratio | 103.0291% | 447 |
| Assets per employee ($millions) | 2.2059% | 6,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2409% | 583 |
| Loan loss allowance to noncurrent loans | 31.4921% | 6,066 |
| Noncurrent assets plus other real estate owned to assets | 6.8716% | 529 |
| Noncurrent loans to loans | 10.2913% | 233 |
| Net loans and leases to total assets | 56.9396% | 4,306 |
| Net loans and leases to deposits | 65.5916% | 4,520 |
| Net loans and leases to core deposits | 68.1514% | 4,712 |
| Total domestic deposits to total assets | 86.8093% | 2,793 |
| Equity capital to assets | 10.1303% | 4,312 |
| Core capital (leverage) ratio | 9.2849% | 4,610 |
| Tier 1 risk-based capital ratio | 15.0440% | 3,819 |
| Total risk-based capital ratio | 16.3097% | 3,757 |
| Memoranda: | ||
| Average total assets | $431,151,000 | 1,544 |
| Average earning assets | $400,794,500 | 1,521 |
| Average equity | $40,372,000 | 1,743 |
| Average total loans | $268,433,750 | 1,553 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5084% | 3,729 |
| Cost of funding earning assets | 0.7768% | 3,389 |
| Net interest margin | 3.7316% | 3,678 |
| Noninterest income to average assets | 2.5948% | 285 |
| Noninterest expense to average assets | 5.9709% | 220 |
| Loan and lease loss provision to assets | 0.4535% | 1,410 |
| Net operating income to assets | -0.3660% | 6,657 |
| Return on assets (ROA) | 0.0063% | 6,448 |
| Pretax return on assets | 0.0063% | 6,438 |
| Return on Equity (ROE) | 0.0695% | 6,448 |
| Retained earnings to average equity (ytd only) | 0.0695% | 6,017 |
| Net charge-offs to loans | 1.3727% | 749 |
| Credit loss provision to net charge-offs | 52.1921% | 3,989 |
| Earnings coverage of net charge-offs (x) | 0.1007% | 5,031 |
| Efficiency ratio | 98.5554% | 606 |
| Assets per employee ($millions) | 2.1434% | 7,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3172% | 580 |
| Loan loss allowance to noncurrent loans | 37.2822% | 5,795 |
| Noncurrent assets plus other real estate owned to assets | 6.1404% | 686 |
| Noncurrent loans to loans | 8.8975% | 350 |
| Net loans and leases to total assets | 58.7757% | 4,025 |
| Net loans and leases to deposits | 67.1438% | 4,337 |
| Net loans and leases to core deposits | 70.6990% | 4,450 |
| Total domestic deposits to total assets | 87.5370% | 2,443 |
| Equity capital to assets | 9.7430% | 4,701 |
| Core capital (leverage) ratio | 8.6668% | 5,421 |
| Tier 1 risk-based capital ratio | 13.7865% | 4,605 |
| Total risk-based capital ratio | 15.0588% | 4,564 |
| Memoranda: | ||
| Average total assets | $441,041,330 | 1,507 |
| Average earning assets | $409,365,670 | 1,488 |
| Average equity | $40,272,330 | 1,736 |
| Average total loans | $279,159,000 | 1,507 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7170% | 2,990 |
| Cost of funding earning assets | 0.8462% | 3,093 |
| Net interest margin | 3.8708% | 3,051 |
| Noninterest income to average assets | 2.2130% | 348 |
| Noninterest expense to average assets | 5.7683% | 229 |
| Loan and lease loss provision to assets | 0.6644% | 809 |
| Net operating income to assets | -0.6334% | 6,888 |
| Return on assets (ROA) | -0.3535% | 6,777 |
| Pretax return on assets | -0.3535% | 6,756 |
| Return on Equity (ROE) | -3.9957% | 6,810 |
| Retained earnings to average equity (ytd only) | -3.9957% | 6,495 |
| Net charge-offs to loans | 3.8002% | 160 |
| Credit loss provision to net charge-offs | 27.1248% | 3,669 |
| Earnings coverage of net charge-offs (x) | 0.0127% | 4,363 |
| Efficiency ratio | 99.4653% | 571 |
| Assets per employee ($millions) | 2.2092% | 7,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7407% | 1,068 |
| Loan loss allowance to noncurrent loans | 33.7994% | 5,979 |
| Noncurrent assets plus other real estate owned to assets | 5.8439% | 817 |
| Noncurrent loans to loans | 8.1088% | 475 |
| Net loans and leases to total assets | 59.8152% | 3,713 |
| Net loans and leases to deposits | 67.7113% | 4,112 |
| Net loans and leases to core deposits | 71.6417% | 4,204 |
| Total domestic deposits to total assets | 88.3386% | 2,102 |
| Equity capital to assets | 9.0291% | 5,448 |
| Core capital (leverage) ratio | 8.3034% | 5,866 |
| Tier 1 risk-based capital ratio | 12.8159% | 5,349 |
| Total risk-based capital ratio | 14.0820% | 5,314 |
| Memoranda: | ||
| Average total assets | $451,504,000 | 1,478 |
| Average earning assets | $418,316,500 | 1,456 |
| Average equity | $39,942,500 | 1,741 |
| Average total loans | $291,039,500 | 1,461 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9972% | 2,896 |
| Cost of funding earning assets | 1.1535% | 2,331 |
| Net interest margin | 3.8437% | 3,603 |
| Noninterest income to average assets | 2.3905% | 285 |
| Noninterest expense to average assets | 5.7295% | 240 |
| Loan and lease loss provision to assets | 1.1099% | 814 |
| Net operating income to assets | -0.9082% | 6,702 |
| Return on assets (ROA) | -0.8013% | 6,686 |
| Pretax return on assets | -0.8013% | 6,645 |
| Return on Equity (ROE) | -9.8007% | 6,731 |
| Retained earnings to average equity (ytd only) | -9.8007% | 6,693 |
| Net charge-offs to loans | 1.0097% | 1,723 |
| Credit loss provision to net charge-offs | 156.3365% | 1,796 |
| Earnings coverage of net charge-offs (x) | 0.2842% | 5,614 |
| Efficiency ratio | 96.5985% | 792 |
| Assets per employee ($millions) | 2.3755% | 6,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9987% | 816 |
| Loan loss allowance to noncurrent loans | 36.0025% | 5,838 |
| Noncurrent assets plus other real estate owned to assets | 6.6268% | 706 |
| Noncurrent loans to loans | 8.3293% | 465 |
| Net loans and leases to total assets | 65.2238% | 2,935 |
| Net loans and leases to deposits | 73.5888% | 3,565 |
| Net loans and leases to core deposits | 78.0929% | 3,674 |
| Total domestic deposits to total assets | 88.6327% | 1,765 |
| Equity capital to assets | 8.6750% | 5,926 |
| Core capital (leverage) ratio | 7.8555% | 6,393 |
| Tier 1 risk-based capital ratio | 11.5317% | 6,145 |
| Total risk-based capital ratio | 12.8021% | 6,112 |
| Memoranda: | ||
| Average total assets | $509,050,200 | 1,312 |
| Average earning assets | $468,926,200 | 1,308 |
| Average equity | $41,619,600 | 1,615 |
| Average total loans | $357,924,000 | 1,184 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0867% | 2,674 |
| Cost of funding earning assets | 1.2022% | 2,304 |
| Net interest margin | 3.8845% | 3,460 |
| Noninterest income to average assets | 2.4344% | 274 |
| Noninterest expense to average assets | 5.6826% | 237 |
| Loan and lease loss provision to assets | 1.0386% | 812 |
| Net operating income to assets | -0.7080% | 6,758 |
| Return on assets (ROA) | -0.5519% | 6,709 |
| Pretax return on assets | -0.5519% | 6,653 |
| Return on Equity (ROE) | -6.8435% | 6,759 |
| Retained earnings to average equity (ytd only) | -6.8435% | 6,693 |
| Net charge-offs to loans | 1.0305% | 1,553 |
| Credit loss provision to net charge-offs | 141.9558% | 2,242 |
| Earnings coverage of net charge-offs (x) | 0.4518% | 5,286 |
| Efficiency ratio | 94.5027% | 890 |
| Assets per employee ($millions) | 2.3501% | 7,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5657% | 1,312 |
| Loan loss allowance to noncurrent loans | 42.8693% | 5,448 |
| Noncurrent assets plus other real estate owned to assets | 5.5211% | 1,011 |
| Noncurrent loans to loans | 5.9849% | 933 |
| Net loans and leases to total assets | 66.7360% | 2,731 |
| Net loans and leases to deposits | 75.4124% | 3,430 |
| Net loans and leases to core deposits | 81.6027% | 3,389 |
| Total domestic deposits to total assets | 88.4948% | 1,766 |
| Equity capital to assets | 8.7180% | 6,065 |
| Core capital (leverage) ratio | 7.8983% | 6,485 |
| Tier 1 risk-based capital ratio | 11.2823% | 6,377 |
| Total risk-based capital ratio | 12.5485% | 6,356 |
| Memoranda: | ||
| Average total assets | $519,915,000 | 1,291 |
| Average earning assets | $478,989,750 | 1,277 |
| Average equity | $41,927,000 | 1,608 |
| Average total loans | $369,139,000 | 1,157 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1015% | 2,675 |
| Cost of funding earning assets | 1.2407% | 2,317 |
| Net interest margin | 3.8608% | 3,487 |
| Noninterest income to average assets | 2.6374% | 249 |
| Noninterest expense to average assets | 5.7575% | 231 |
| Loan and lease loss provision to assets | 0.5272% | 1,852 |
| Net operating income to assets | -0.0847% | 6,331 |
| Return on assets (ROA) | -0.0343% | 6,335 |
| Pretax return on assets | -0.0343% | 6,296 |
| Return on Equity (ROE) | -0.4358% | 6,350 |
| Retained earnings to average equity (ytd only) | -0.4358% | 5,939 |
| Net charge-offs to loans | 0.9441% | 1,656 |
| Credit loss provision to net charge-offs | 77.8210% | 3,833 |
| Earnings coverage of net charge-offs (x) | 0.6531% | 4,805 |
| Efficiency ratio | 92.8628% | 1,045 |
| Assets per employee ($millions) | 2.3753% | 7,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0304% | 2,286 |
| Loan loss allowance to noncurrent loans | 56.6528% | 4,635 |
| Noncurrent assets plus other real estate owned to assets | 3.7758% | 1,723 |
| Noncurrent loans to loans | 3.5839% | 1,971 |
| Net loans and leases to total assets | 66.0012% | 3,029 |
| Net loans and leases to deposits | 75.0914% | 3,633 |
| Net loans and leases to core deposits | 81.2657% | 3,614 |
| Total domestic deposits to total assets | 87.8945% | 2,214 |
| Equity capital to assets | 8.4181% | 6,283 |
| Core capital (leverage) ratio | 7.8806% | 6,432 |
| Tier 1 risk-based capital ratio | 11.3913% | 6,259 |
| Total risk-based capital ratio | 12.6519% | 6,233 |
| Memoranda: | ||
| Average total assets | $531,061,670 | 1,259 |
| Average earning assets | $490,050,670 | 1,249 |
| Average equity | $41,765,670 | 1,604 |
| Average total loans | $381,117,670 | 1,147 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8646% | 3,750 |
| Cost of funding earning assets | 1.2761% | 2,332 |
| Net interest margin | 3.5885% | 4,621 |
| Noninterest income to average assets | 2.3384% | 297 |
| Noninterest expense to average assets | 5.5262% | 253 |
| Loan and lease loss provision to assets | 0.8112% | 1,037 |
| Net operating income to assets | -0.6792% | 6,905 |
| Return on assets (ROA) | -0.6792% | 6,911 |
| Pretax return on assets | -0.6792% | 6,863 |
| Return on Equity (ROE) | -8.9303% | 6,995 |
| Retained earnings to average equity (ytd only) | -8.9303% | 6,816 |
| Net charge-offs to loans | 0.8460% | 1,559 |
| Credit loss provision to net charge-offs | 129.8701% | 2,130 |
| Earnings coverage of net charge-offs (x) | 0.2113% | 4,454 |
| Efficiency ratio | 97.6671% | 853 |
| Assets per employee ($millions) | 2.3341% | 7,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0097% | 2,393 |
| Loan loss allowance to noncurrent loans | 30.8207% | 6,248 |
| Noncurrent assets plus other real estate owned to assets | 5.6486% | 1,055 |
| Noncurrent loans to loans | 6.5205% | 910 |
| Net loans and leases to total assets | 69.9858% | 2,133 |
| Net loans and leases to deposits | 78.5917% | 2,960 |
| Net loans and leases to core deposits | 85.4267% | 2,969 |
| Total domestic deposits to total assets | 89.0498% | 1,742 |
| Equity capital to assets | 7.7492% | 6,713 |
| Core capital (leverage) ratio | 7.5738% | 6,681 |
| Tier 1 risk-based capital ratio | 10.1732% | 6,938 |
| Total risk-based capital ratio | 11.4336% | 6,938 |
| Memoranda: | ||
| Average total assets | $542,432,000 | 1,239 |
| Average earning assets | $501,827,000 | 1,226 |
| Average equity | $41,253,000 | 1,617 |
| Average total loans | $400,451,000 | 1,089 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3327% | 2,968 |
| Cost of funding earning assets | 1.5341% | 2,450 |
| Net interest margin | 3.7986% | 3,951 |
| Noninterest income to average assets | 3.2059% | 214 |
| Noninterest expense to average assets | 6.2157% | 207 |
| Loan and lease loss provision to assets | 2.5011% | 444 |
| Net operating income to assets | -1.9965% | 7,055 |
| Return on assets (ROA) | -1.9576% | 7,058 |
| Pretax return on assets | -1.9686% | 7,015 |
| Return on Equity (ROE) | -22.6995% | 7,087 |
| Retained earnings to average equity (ytd only) | -25.1891% | 7,120 |
| Net charge-offs to loans | 4.0774% | 306 |
| Credit loss provision to net charge-offs | 78.2384% | 5,625 |
| Earnings coverage of net charge-offs (x) | 0.1543% | 5,957 |
| Efficiency ratio | 86.7992% | 1,588 |
| Assets per employee ($millions) | 2.4027% | 7,128 |
| Cash dividends to net income (ytd only)* | -10.9677% | 7,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7402% | 3,076 |
| Loan loss allowance to noncurrent loans | 25.7171% | 6,558 |
| Noncurrent assets plus other real estate owned to assets | 5.8973% | 1,019 |
| Noncurrent loans to loans | 6.7667% | 853 |
| Net loans and leases to total assets | 74.7955% | 1,518 |
| Net loans and leases to deposits | 85.2122% | 2,237 |
| Net loans and leases to core deposits | 95.0753% | 2,120 |
| Total domestic deposits to total assets | 87.7756% | 2,376 |
| Equity capital to assets | 7.4677% | 6,897 |
| Core capital (leverage) ratio | 7.2341% | 6,889 |
| Tier 1 risk-based capital ratio | 9.6379% | 7,095 |
| Total risk-based capital ratio | 10.8955% | 7,097 |
| Memoranda: | ||
| Average total assets | $581,740,200 | 1,157 |
| Average earning assets | $536,462,800 | 1,136 |
| Average equity | $50,168,600 | 1,331 |
| Average total loans | $456,096,800 | 987 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3497% | 3,120 |
| Cost of funding earning assets | 1.5869% | 2,461 |
| Net interest margin | 3.7628% | 4,124 |
| Noninterest income to average assets | 2.8063% | 234 |
| Noninterest expense to average assets | 5.3212% | 303 |
| Loan and lease loss provision to assets | 1.6881% | 758 |
| Net operating income to assets | -0.7231% | 6,742 |
| Return on assets (ROA) | -0.6725% | 6,761 |
| Pretax return on assets | -0.6870% | 6,674 |
| Return on Equity (ROE) | -7.5593% | 6,813 |
| Retained earnings to average equity (ytd only) | -10.3788% | 6,900 |
| Net charge-offs to loans | 2.9818% | 521 |
| Credit loss provision to net charge-offs | 71.7174% | 5,371 |
| Earnings coverage of net charge-offs (x) | 0.4034% | 5,623 |
| Efficiency ratio | 84.8594% | 1,745 |
| Assets per employee ($millions) | 2.4003% | 7,199 |
| Cash dividends to net income (ytd only)* | -37.2978% | 7,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8265% | 2,698 |
| Loan loss allowance to noncurrent loans | 24.8312% | 6,661 |
| Noncurrent assets plus other real estate owned to assets | 6.5472% | 865 |
| Noncurrent loans to loans | 7.3558% | 738 |
| Net loans and leases to total assets | 79.2713% | 855 |
| Net loans and leases to deposits | 92.8668% | 1,349 |
| Net loans and leases to core deposits | 104.0010% | 1,487 |
| Total domestic deposits to total assets | 85.3602% | 3,426 |
| Equity capital to assets | 8.8462% | 5,786 |
| Core capital (leverage) ratio | 8.3737% | 5,748 |
| Tier 1 risk-based capital ratio | 10.2594% | 6,925 |
| Total risk-based capital ratio | 11.5187% | 6,906 |
| Memoranda: | ||
| Average total assets | $588,420,500 | 1,148 |
| Average earning assets | $541,752,500 | 1,134 |
| Average equity | $52,349,000 | 1,279 |
| Average total loans | $464,500,750 | 980 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3869% | 3,027 |
| Cost of funding earning assets | 1.7051% | 2,098 |
| Net interest margin | 3.6819% | 4,441 |
| Noninterest income to average assets | 2.0939% | 332 |
| Noninterest expense to average assets | 4.8549% | 415 |
| Loan and lease loss provision to assets | 1.9888% | 618 |
| Net operating income to assets | -1.3336% | 7,090 |
| Return on assets (ROA) | -1.2742% | 7,073 |
| Pretax return on assets | -1.2957% | 7,006 |
| Return on Equity (ROE) | -14.2959% | 7,120 |
| Retained earnings to average equity (ytd only) | -17.2723% | 7,179 |
| Net charge-offs to loans | 2.5509% | 666 |
| Credit loss provision to net charge-offs | 99.4941% | 4,128 |
| Earnings coverage of net charge-offs (x) | 0.3164% | 5,410 |
| Efficiency ratio | 88.4760% | 1,462 |
| Assets per employee ($millions) | 2.4026% | 7,227 |
| Cash dividends to net income (ytd only)* | -20.8201% | 7,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5666% | 1,227 |
| Loan loss allowance to noncurrent loans | 38.2949% | 5,799 |
| Noncurrent assets plus other real estate owned to assets | 6.0546% | 966 |
| Noncurrent loans to loans | 6.7021% | 878 |
| Net loans and leases to total assets | 77.0978% | 1,276 |
| Net loans and leases to deposits | 89.1389% | 1,982 |
| Net loans and leases to core deposits | 100.4852% | 1,964 |
| Total domestic deposits to total assets | 86.4917% | 2,825 |
| Equity capital to assets | 8.9288% | 5,561 |
| Core capital (leverage) ratio | 7.9124% | 6,371 |
| Tier 1 risk-based capital ratio | 10.2349% | 6,890 |
| Total risk-based capital ratio | 11.5023% | 6,855 |
| Memoranda: | ||
| Average total assets | $593,333,000 | 1,143 |
| Average earning assets | $546,842,330 | 1,114 |
| Average equity | $52,882,330 | 1,258 |
| Average total loans | $464,925,330 | 986 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3153% | 3,469 |
| Cost of funding earning assets | 1.7680% | 2,024 |
| Net interest margin | 3.5473% | 4,957 |
| Noninterest income to average assets | 1.9951% | 342 |
| Noninterest expense to average assets | 4.5665% | 537 |
| Loan and lease loss provision to assets | 0.4917% | 2,534 |
| Net operating income to assets | 0.2531% | 5,481 |
| Return on assets (ROA) | 0.2505% | 5,616 |
| Pretax return on assets | 0.2085% | 5,854 |
| Return on Equity (ROE) | 2.8124% | 5,426 |
| Retained earnings to average equity (ytd only) | 1.5166% | 5,185 |
| Net charge-offs to loans | 0.5245% | 2,495 |
| Credit loss provision to net charge-offs | 120.1923% | 2,898 |
| Earnings coverage of net charge-offs (x) | 1.7179% | 3,701 |
| Efficiency ratio | 86.6617% | 1,724 |
| Assets per employee ($millions) | 2.4156% | 7,316 |
| Cash dividends to net income (ytd only)* | 46.0733% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4346% | 1,384 |
| Loan loss allowance to noncurrent loans | 47.2394% | 5,192 |
| Noncurrent assets plus other real estate owned to assets | 4.7263% | 1,400 |
| Noncurrent loans to loans | 5.1537% | 1,393 |
| Net loans and leases to total assets | 75.8739% | 1,571 |
| Net loans and leases to deposits | 86.8058% | 2,450 |
| Net loans and leases to core deposits | 98.8498% | 2,254 |
| Total domestic deposits to total assets | 87.4065% | 2,408 |
| Equity capital to assets | 8.9913% | 5,292 |
| Core capital (leverage) ratio | 8.5875% | 5,226 |
| Tier 1 risk-based capital ratio | 10.7964% | 6,348 |
| Total risk-based capital ratio | 12.0632% | 6,314 |
| Memoranda: | ||
| Average total assets | $610,096,500 | 1,128 |
| Average earning assets | $563,128,500 | 1,111 |
| Average equity | $54,331,500 | 1,229 |
| Average total loans | $475,904,500 | 991 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6223% | 3,488 |
| Cost of funding earning assets | 2.2495% | 1,840 |
| Net interest margin | 3.3728% | 5,482 |
| Noninterest income to average assets | 2.5540% | 264 |
| Noninterest expense to average assets | 4.6822% | 661 |
| Loan and lease loss provision to assets | 1.5254% | 1,509 |
| Net operating income to assets | -0.4932% | 6,170 |
| Return on assets (ROA) | -0.3730% | 6,039 |
| Pretax return on assets | -0.3979% | 5,913 |
| Return on Equity (ROE) | -4.4805% | 6,159 |
| Retained earnings to average equity (ytd only) | -5.7562% | 6,114 |
| Net charge-offs to loans | 1.3761% | 1,823 |
| Credit loss provision to net charge-offs | 139.9641% | 3,487 |
| Earnings coverage of net charge-offs (x) | 0.9172% | 5,197 |
| Efficiency ratio | 82.4071% | 2,556 |
| Assets per employee ($millions) | 2.4656% | 7,258 |
| Cash dividends to net income (ytd only)* | -28.4733% | 7,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3826% | 1,372 |
| Loan loss allowance to noncurrent loans | 50.1849% | 5,030 |
| Noncurrent assets plus other real estate owned to assets | 4.5145% | 1,426 |
| Noncurrent loans to loans | 4.7477% | 1,463 |
| Net loans and leases to total assets | 76.3771% | 1,718 |
| Net loans and leases to deposits | 87.2903% | 2,684 |
| Net loans and leases to core deposits | 117.9350% | 2,140 |
| Total domestic deposits to total assets | 87.4978% | 2,221 |
| Equity capital to assets | 8.8198% | 5,399 |
| Core capital (leverage) ratio | 8.2251% | 5,768 |
| Tier 1 risk-based capital ratio | 10.4228% | 6,476 |
| Total risk-based capital ratio | 11.6883% | 6,428 |
| Memoranda: | ||
| Average total assets | $663,773,800 | 1,044 |
| Average earning assets | $615,550,200 | 1,012 |
| Average equity | $55,262,000 | 1,188 |
| Average total loans | $525,675,800 | 909 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6175% | 3,757 |
| Cost of funding earning assets | 2.3201% | 1,906 |
| Net interest margin | 3.2974% | 5,653 |
| Noninterest income to average assets | 2.5589% | 261 |
| Noninterest expense to average assets | 4.6243% | 647 |
| Loan and lease loss provision to assets | 0.8815% | 2,183 |
| Net operating income to assets | 0.1470% | 5,331 |
| Return on assets (ROA) | 0.2364% | 5,113 |
| Pretax return on assets | 0.2039% | 5,296 |
| Return on Equity (ROE) | 2.8779% | 4,846 |
| Retained earnings to average equity (ytd only) | 1.2951% | 4,599 |
| Net charge-offs to loans | 1.1106% | 1,800 |
| Credit loss provision to net charge-offs | 99.9553% | 5,125 |
| Earnings coverage of net charge-offs (x) | 1.1293% | 4,928 |
| Efficiency ratio | 82.2789% | 2,547 |
| Assets per employee ($millions) | 2.5306% | 7,183 |
| Cash dividends to net income (ytd only)* | 55.0001% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6793% | 2,700 |
| Loan loss allowance to noncurrent loans | 40.2823% | 5,651 |
| Noncurrent assets plus other real estate owned to assets | 4.0628% | 1,564 |
| Noncurrent loans to loans | 4.1689% | 1,738 |
| Net loans and leases to total assets | 78.0929% | 1,549 |
| Net loans and leases to deposits | 90.2971% | 2,517 |
| Net loans and leases to core deposits | 121.3011% | 2,136 |
| Total domestic deposits to total assets | 86.4844% | 2,432 |
| Equity capital to assets | 8.7633% | 5,861 |
| Core capital (leverage) ratio | 8.1168% | 6,158 |
| Tier 1 risk-based capital ratio | 10.0827% | 6,896 |
| Total risk-based capital ratio | 11.3374% | 6,840 |
| Memoranda: | ||
| Average total assets | $676,848,750 | 1,023 |
| Average earning assets | $628,406,500 | 1,009 |
| Average equity | $55,594,750 | 1,197 |
| Average total loans | $537,488,500 | 903 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5865% | 4,140 |
| Cost of funding earning assets | 2.3717% | 2,072 |
| Net interest margin | 3.2147% | 5,861 |
| Noninterest income to average assets | 2.6978% | 238 |
| Noninterest expense to average assets | 4.7007% | 641 |
| Loan and lease loss provision to assets | 0.6885% | 2,364 |
| Net operating income to assets | 0.3424% | 4,712 |
| Return on assets (ROA) | 0.4435% | 4,425 |
| Pretax return on assets | 0.3957% | 4,946 |
| Return on Equity (ROE) | 5.5137% | 3,858 |
| Retained earnings to average equity (ytd only) | 4.2163% | 2,957 |
| Net charge-offs to loans | 0.9927% | 1,772 |
| Credit loss provision to net charge-offs | 87.3483% | 5,000 |
| Earnings coverage of net charge-offs (x) | 1.2471% | 4,599 |
| Efficiency ratio | 82.7043% | 2,639 |
| Assets per employee ($millions) | 2.7517% | 6,733 |
| Cash dividends to net income (ytd only)* | 23.5294% | 3,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5295% | 3,036 |
| Loan loss allowance to noncurrent loans | 41.0912% | 5,625 |
| Noncurrent assets plus other real estate owned to assets | 3.4818% | 1,787 |
| Noncurrent loans to loans | 3.7222% | 1,868 |
| Net loans and leases to total assets | 76.1006% | 2,161 |
| Net loans and leases to deposits | 86.9586% | 3,365 |
| Net loans and leases to core deposits | 115.3563% | 2,776 |
| Total domestic deposits to total assets | 87.5136% | 2,009 |
| Equity capital to assets | 8.0358% | 6,711 |
| Core capital (leverage) ratio | 7.7876% | 6,629 |
| Tier 1 risk-based capital ratio | 9.9546% | 6,981 |
| Total risk-based capital ratio | 11.2078% | 6,904 |
| Memoranda: | ||
| Average total assets | $689,896,330 | 1,024 |
| Average earning assets | $640,797,670 | 1,001 |
| Average equity | $55,498,330 | 1,215 |
| Average total loans | $547,815,000 | 912 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5510% | 4,636 |
| Cost of funding earning assets | 2.4852% | 1,970 |
| Net interest margin | 3.0658% | 6,290 |
| Noninterest income to average assets | 2.5850% | 239 |
| Noninterest expense to average assets | 4.5145% | 699 |
| Loan and lease loss provision to assets | 0.4061% | 2,890 |
| Net operating income to assets | 0.5134% | 4,361 |
| Return on assets (ROA) | 0.6370% | 4,037 |
| Pretax return on assets | 0.6370% | 4,631 |
| Return on Equity (ROE) | 7.9139% | 3,183 |
| Retained earnings to average equity (ytd only) | 6.5445% | 2,402 |
| Net charge-offs to loans | 0.0223% | 5,247 |
| Credit loss provision to net charge-offs | 2,258.0645% | 287 |
| Earnings coverage of net charge-offs (x) | 51.1290% | 712 |
| Efficiency ratio | 83.0789% | 2,402 |
| Assets per employee ($millions) | 2.9424% | 6,311 |
| Cash dividends to net income (ytd only)* | 17.3042% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6378% | 2,367 |
| Loan loss allowance to noncurrent loans | 43.7187% | 5,609 |
| Noncurrent assets plus other real estate owned to assets | 3.8674% | 1,359 |
| Noncurrent loans to loans | 3.7461% | 1,655 |
| Net loans and leases to total assets | 78.7044% | 1,644 |
| Net loans and leases to deposits | 91.6203% | 2,669 |
| Net loans and leases to core deposits | 116.3938% | 2,761 |
| Total domestic deposits to total assets | 85.9028% | 2,773 |
| Equity capital to assets | 7.9818% | 6,843 |
| Core capital (leverage) ratio | 7.6761% | 6,920 |
| Tier 1 risk-based capital ratio | 9.3852% | 7,519 |
| Total risk-based capital ratio | 10.6397% | 7,477 |
| Memoranda: | ||
| Average total assets | $689,509,000 | 1,024 |
| Average earning assets | $640,744,000 | 1,001 |
| Average equity | $55,497,000 | 1,226 |
| Average total loans | $554,838,000 | 907 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1709% | 4,663 |
| Cost of funding earning assets | 3.0444% | 1,701 |
| Net interest margin | 3.1265% | 6,571 |
| Noninterest income to average assets | 1.4997% | 622 |
| Noninterest expense to average assets | 3.5970% | 2,153 |
| Loan and lease loss provision to assets | 0.9554% | 1,543 |
| Net operating income to assets | -0.1538% | 6,564 |
| Return on assets (ROA) | -0.6164% | 6,911 |
| Pretax return on assets | -0.6172% | 6,754 |
| Return on Equity (ROE) | -7.2105% | 7,062 |
| Retained earnings to average equity (ytd only) | -10.1499% | 7,082 |
| Net charge-offs to loans | 0.3368% | 3,147 |
| Credit loss provision to net charge-offs | 364.5272% | 1,212 |
| Earnings coverage of net charge-offs (x) | 3.0556% | 4,558 |
| Efficiency ratio | 81.7896% | 2,329 |
| Assets per employee ($millions) | 2.8163% | 6,522 |
| Cash dividends to net income (ytd only)* | -40.7651% | 8,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5488% | 2,458 |
| Loan loss allowance to noncurrent loans | 65.6532% | 4,728 |
| Noncurrent assets plus other real estate owned to assets | 2.3985% | 2,025 |
| Noncurrent loans to loans | 2.3590% | 2,331 |
| Net loans and leases to total assets | 79.6832% | 1,727 |
| Net loans and leases to deposits | 91.8707% | 3,167 |
| Net loans and leases to core deposits | 116.0620% | 3,112 |
| Total domestic deposits to total assets | 86.7341% | 2,076 |
| Equity capital to assets | 8.1179% | 6,671 |
| Core capital (leverage) ratio | 7.7849% | 6,826 |
| Tier 1 risk-based capital ratio | 9.4270% | 7,385 |
| Total risk-based capital ratio | 10.6806% | 7,299 |
| Memoranda: | ||
| Average total assets | $665,781,000 | 1,005 |
| Average earning assets | $617,141,200 | 977 |
| Average equity | $56,917,000 | 1,178 |
| Average total loans | $518,116,200 | 915 |