Home > American Bank of the North > Performance and Condition Ratios
American Bank of the North, Performance and Condition Ratios
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5382% | 736 |
| Cost of funding earning assets | 0.1560% | 4,265 |
| Net interest margin | 4.3823% | 442 |
| Noninterest income to average assets | 0.7818% | 1,629 |
| Noninterest expense to average assets | 2.5558% | 2,004 |
| Loan and lease loss provision to assets | 0.1805% | 684 |
| Net operating income to assets | 1.6431% | 1,034 |
| Return on assets (ROA) | 1.6431% | 1,086 |
| Pretax return on assets | 2.2561% | 628 |
| Return on Equity (ROE) | 19.3024% | 589 |
| Retained earnings to average equity (ytd only) | 19.3024% | 298 |
| Net charge-offs to loans | -0.0040% | 3,310 |
| Credit loss provision to net charge-offs | -7,375.0000% | 3,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1804% | 4,329 |
| Assets per employee ($millions) | 5.5059% | 3,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1655% | 4,909 |
| Loan loss allowance to noncurrent loans | 30.4691% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 0.3223% | 2,533 |
| Noncurrent loans to loans | 0.5431% | 2,233 |
| Net loans and leases to total assets | 58.9150% | 2,688 |
| Net loans and leases to deposits | 65.0850% | 3,014 |
| Net loans and leases to core deposits | 65.6462% | 3,272 |
| Total domestic deposits to total assets | 90.5201% | 579 |
| Equity capital to assets | 8.4442% | 4,160 |
| Core capital (leverage) ratio | 7.6875% | 4,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9059% | 2,323 |
| Memoranda: | ||
| Average total assets | $653,879,000 | 1,345 |
| Average earning assets | $628,260,500 | 1,325 |
| Average equity | $55,661,500 | 1,616 |
| Average total loans | $402,224,500 | 1,404 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3765% | 4,954 |
| Cost of funding earning assets | 0.0581% | 4,929 |
| Net interest margin | 1.3184% | 4,933 |
| Noninterest income to average assets | 0.2541% | 3,962 |
| Noninterest expense to average assets | 0.9120% | 4,943 |
| Loan and lease loss provision to assets | 0.0317% | 3,999 |
| Net operating income to assets | 0.4227% | 4,203 |
| Return on assets (ROA) | 0.4227% | 4,280 |
| Pretax return on assets | 0.5742% | 4,137 |
| Return on Equity (ROE) | 4.3782% | 4,067 |
| Retained earnings to average equity (ytd only) | 4.3782% | 2,603 |
| Net charge-offs to loans | -0.0416% | 4,629 |
| Credit loss provision to net charge-offs | -108.7719% | 3,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4002% | 3,931 |
| Assets per employee ($millions) | 4.8553% | 3,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0875% | 4,942 |
| Loan loss allowance to noncurrent loans | 7.8101% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 0.7320% | 1,413 |
| Noncurrent loans to loans | 1.1202% | 1,266 |
| Net loans and leases to total assets | 64.0987% | 2,346 |
| Net loans and leases to deposits | 71.2521% | 2,759 |
| Net loans and leases to core deposits | 71.9045% | 3,084 |
| Total domestic deposits to total assets | 89.9604% | 581 |
| Equity capital to assets | 8.5847% | 4,385 |
| Core capital (leverage) ratio | 7.6677% | 4,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1296% | 2,578 |
| Memoranda: | ||
| Average total assets | $586,740,200 | 1,352 |
| Average earning assets | $562,421,800 | 1,316 |
| Average equity | $56,643,800 | 1,511 |
| Average total loans | $410,615,400 | 1,321 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4195% | 5,027 |
| Cost of funding earning assets | 0.0172% | 5,007 |
| Net interest margin | 0.4023% | 5,024 |
| Noninterest income to average assets | 0.0624% | 4,870 |
| Noninterest expense to average assets | 0.2648% | 5,026 |
| Loan and lease loss provision to assets | 0.0082% | 4,191 |
| Net operating income to assets | 0.1274% | 4,672 |
| Return on assets (ROA) | 0.1274% | 4,701 |
| Pretax return on assets | 0.1750% | 4,676 |
| Return on Equity (ROE) | 1.2807% | 4,664 |
| Retained earnings to average equity (ytd only) | 1.2807% | 4,157 |
| Net charge-offs to loans | -0.0013% | 3,839 |
| Credit loss provision to net charge-offs | -875.0000% | 3,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8705% | 4,055 |
| Assets per employee ($millions) | 4.7078% | 3,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0090% | 4,984 |
| Loan loss allowance to noncurrent loans | 0.8671% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 0.7756% | 1,490 |
| Noncurrent loans to loans | 1.0406% | 1,438 |
| Net loans and leases to total assets | 68.5159% | 2,171 |
| Net loans and leases to deposits | 77.3047% | 2,617 |
| Net loans and leases to core deposits | 78.0282% | 3,007 |
| Total domestic deposits to total assets | 88.6309% | 926 |
| Equity capital to assets | 8.3511% | 4,545 |
| Core capital (leverage) ratio | 7.3114% | 4,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4000% | 2,817 |
| Memoranda: | ||
| Average total assets | $574,415,000 | 1,359 |
| Average earning assets | $550,467,500 | 1,323 |
| Average equity | $57,154,250 | 1,492 |
| Average total loans | $411,256,500 | 1,313 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0680% | 3,134 |
| Cost of funding earning assets | 0.3178% | 4,404 |
| Net interest margin | 3.7502% | 1,991 |
| Noninterest income to average assets | 0.7027% | 1,728 |
| Noninterest expense to average assets | 2.6965% | 2,394 |
| Loan and lease loss provision to assets | 0.2520% | 1,669 |
| Net operating income to assets | 0.9995% | 2,332 |
| Return on assets (ROA) | 1.0018% | 2,445 |
| Pretax return on assets | 1.3502% | 1,865 |
| Return on Equity (ROE) | 9.4910% | 2,156 |
| Retained earnings to average equity (ytd only) | 9.4910% | 876 |
| Net charge-offs to loans | -0.0005% | 3,723 |
| Credit loss provision to net charge-offs | -70,000.0000% | 4,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7702% | 2,993 |
| Assets per employee ($millions) | 4.5820% | 3,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4685% | 1,359 |
| Loan loss allowance to noncurrent loans | 123.7898% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 1.0456% | 1,126 |
| Noncurrent loans to loans | 1.1863% | 1,320 |
| Net loans and leases to total assets | 71.2861% | 1,832 |
| Net loans and leases to deposits | 81.5828% | 2,249 |
| Net loans and leases to core deposits | 82.3713% | 2,749 |
| Total domestic deposits to total assets | 87.3789% | 1,458 |
| Equity capital to assets | 9.7568% | 3,418 |
| Core capital (leverage) ratio | 10.0520% | 2,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5898% | 1,342 |
| Memoranda: | ||
| Average total assets | $555,606,000 | 1,379 |
| Average earning assets | $532,347,000 | 1,342 |
| Average equity | $58,645,000 | 1,453 |
| Average total loans | $404,253,333 | 1,309 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1551% | 3,364 |
| Cost of funding earning assets | 0.3712% | 4,456 |
| Net interest margin | 3.7839% | 2,040 |
| Noninterest income to average assets | 0.5800% | 2,128 |
| Noninterest expense to average assets | 2.8047% | 2,418 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0568% | 1,984 |
| Return on assets (ROA) | 1.0616% | 2,067 |
| Pretax return on assets | 1.4302% | 1,482 |
| Return on Equity (ROE) | 9.6278% | 1,868 |
| Retained earnings to average equity (ytd only) | 9.6278% | 821 |
| Net charge-offs to loans | -0.0199% | 4,336 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3238% | 2,905 |
| Assets per employee ($millions) | 3.8745% | 4,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5122% | 1,299 |
| Loan loss allowance to noncurrent loans | 109.8266% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 1.2791% | 923 |
| Noncurrent loans to loans | 1.3769% | 1,169 |
| Net loans and leases to total assets | 73.8886% | 1,624 |
| Net loans and leases to deposits | 84.6602% | 2,145 |
| Net loans and leases to core deposits | 85.6830% | 2,707 |
| Total domestic deposits to total assets | 87.2767% | 1,435 |
| Equity capital to assets | 11.3618% | 2,546 |
| Core capital (leverage) ratio | 11.1926% | 2,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3490% | 1,517 |
| Memoranda: | ||
| Average total assets | $524,121,000 | 1,408 |
| Average earning assets | $505,407,500 | 1,364 |
| Average equity | $57,791,000 | 1,459 |
| Average total loans | $382,614,500 | 1,349 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4736% | 3,030 |
| Cost of funding earning assets | 0.3782% | 4,515 |
| Net interest margin | 4.0955% | 1,555 |
| Noninterest income to average assets | 0.5710% | 2,366 |
| Noninterest expense to average assets | 2.9722% | 2,089 |
| Loan and lease loss provision to assets | -0.5014% | 5,166 |
| Net operating income to assets | 1.4913% | 1,078 |
| Return on assets (ROA) | 1.4959% | 1,127 |
| Pretax return on assets | 2.0338% | 559 |
| Return on Equity (ROE) | 13.9623% | 901 |
| Retained earnings to average equity (ytd only) | -1.5769% | 4,852 |
| Net charge-offs to loans | -0.2311% | 5,068 |
| Credit loss provision to net charge-offs | 293.4662% | 961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0120% | 2,767 |
| Assets per employee ($millions) | 3.8902% | 4,038 |
| Cash dividends to net income (ytd only)* | 111.2938% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5626% | 1,061 |
| Loan loss allowance to noncurrent loans | 103.9115% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 1.3237% | 826 |
| Noncurrent loans to loans | 1.5038% | 959 |
| Net loans and leases to total assets | 69.9073% | 2,409 |
| Net loans and leases to deposits | 81.1750% | 2,646 |
| Net loans and leases to core deposits | 82.1947% | 3,105 |
| Total domestic deposits to total assets | 86.1192% | 2,024 |
| Equity capital to assets | 10.6970% | 3,263 |
| Core capital (leverage) ratio | 10.9016% | 2,590 |
| Tier 1 risk-based capital ratio | 14.7493% | 2,886 |
| Total risk-based capital ratio | 16.0029% | 2,809 |
| Memoranda: | ||
| Average total assets | $528,566,400 | 1,358 |
| Average earning assets | $506,924,600 | 1,315 |
| Average equity | $56,631,200 | 1,432 |
| Average total loans | $390,770,200 | 1,291 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3520% | 3,507 |
| Cost of funding earning assets | 0.3789% | 4,568 |
| Net interest margin | 3.9732% | 2,044 |
| Noninterest income to average assets | 0.5609% | 2,408 |
| Noninterest expense to average assets | 2.9212% | 2,193 |
| Loan and lease loss provision to assets | -0.5425% | 5,247 |
| Net operating income to assets | 1.4614% | 1,299 |
| Return on assets (ROA) | 1.4672% | 1,338 |
| Pretax return on assets | 1.9945% | 696 |
| Return on Equity (ROE) | 13.6883% | 1,054 |
| Retained earnings to average equity (ytd only) | -7.0266% | 5,108 |
| Net charge-offs to loans | -0.3312% | 5,164 |
| Credit loss provision to net charge-offs | 219.3878% | 1,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8343% | 2,612 |
| Assets per employee ($millions) | 3.8717% | 4,065 |
| Cash dividends to net income (ytd only)* | 151.3328% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6799% | 853 |
| Loan loss allowance to noncurrent loans | 66.3648% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 2.1635% | 377 |
| Noncurrent loans to loans | 2.5313% | 456 |
| Net loans and leases to total assets | 71.6701% | 2,228 |
| Net loans and leases to deposits | 81.4811% | 2,750 |
| Net loans and leases to core deposits | 82.3062% | 3,229 |
| Total domestic deposits to total assets | 87.9593% | 1,054 |
| Equity capital to assets | 10.3807% | 3,655 |
| Core capital (leverage) ratio | 10.3443% | 3,267 |
| Tier 1 risk-based capital ratio | 13.8111% | 3,420 |
| Total risk-based capital ratio | 15.0660% | 3,330 |
| Memoranda: | ||
| Average total assets | $528,442,500 | 1,361 |
| Average earning assets | $506,080,500 | 1,324 |
| Average equity | $56,640,500 | 1,429 |
| Average total loans | $394,531,750 | 1,290 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2587% | 3,765 |
| Cost of funding earning assets | 0.3700% | 4,619 |
| Net interest margin | 3.8886% | 2,273 |
| Noninterest income to average assets | 0.5058% | 2,642 |
| Noninterest expense to average assets | 2.9455% | 2,154 |
| Loan and lease loss provision to assets | -0.5292% | 5,293 |
| Net operating income to assets | 1.3320% | 1,650 |
| Return on assets (ROA) | 1.3329% | 1,711 |
| Pretax return on assets | 1.8088% | 1,009 |
| Return on Equity (ROE) | 12.3070% | 1,471 |
| Retained earnings to average equity (ytd only) | 3.9301% | 3,282 |
| Net charge-offs to loans | -0.0794% | 4,956 |
| Credit loss provision to net charge-offs | 886.0759% | 383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6170% | 2,289 |
| Assets per employee ($millions) | 3.7664% | 4,164 |
| Cash dividends to net income (ytd only)* | 68.0658% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6356% | 954 |
| Loan loss allowance to noncurrent loans | 55.8123% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 2.5873% | 279 |
| Noncurrent loans to loans | 2.9306% | 357 |
| Net loans and leases to total assets | 74.8570% | 1,746 |
| Net loans and leases to deposits | 86.1847% | 2,237 |
| Net loans and leases to core deposits | 87.0926% | 2,879 |
| Total domestic deposits to total assets | 86.8565% | 1,660 |
| Equity capital to assets | 11.4355% | 2,664 |
| Core capital (leverage) ratio | 11.0110% | 2,590 |
| Tier 1 risk-based capital ratio | 14.5213% | 3,060 |
| Total risk-based capital ratio | 15.7756% | 2,979 |
| Memoranda: | ||
| Average total assets | $529,072,000 | 1,356 |
| Average earning assets | $505,884,670 | 1,325 |
| Average equity | $57,300,670 | 1,413 |
| Average total loans | $398,099,000 | 1,279 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1752% | 3,945 |
| Cost of funding earning assets | 0.3561% | 4,659 |
| Net interest margin | 3.8191% | 2,455 |
| Noninterest income to average assets | 0.3848% | 3,297 |
| Noninterest expense to average assets | 2.7580% | 2,712 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9523% | 3,041 |
| Return on assets (ROA) | 0.9541% | 3,075 |
| Pretax return on assets | 1.2763% | 2,543 |
| Return on Equity (ROE) | 9.0501% | 2,786 |
| Retained earnings to average equity (ytd only) | 9.0501% | 1,304 |
| Net charge-offs to loans | 0.0855% | 1,247 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 19.9070% | 1,579 |
| Efficiency ratio | 68.2171% | 2,611 |
| Assets per employee ($millions) | 3.8737% | 4,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8822% | 606 |
| Loan loss allowance to noncurrent loans | 64.4973% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 2.6878% | 263 |
| Noncurrent loans to loans | 2.9183% | 386 |
| Net loans and leases to total assets | 73.4474% | 1,906 |
| Net loans and leases to deposits | 84.5922% | 2,319 |
| Net loans and leases to core deposits | 87.0592% | 2,773 |
| Total domestic deposits to total assets | 86.8252% | 1,896 |
| Equity capital to assets | 10.8118% | 3,036 |
| Core capital (leverage) ratio | 10.7841% | 2,777 |
| Tier 1 risk-based capital ratio | 14.3424% | 3,175 |
| Total risk-based capital ratio | 15.6002% | 3,100 |
| Memoranda: | ||
| Average total assets | $537,489,500 | 1,344 |
| Average earning assets | $513,313,000 | 1,307 |
| Average equity | $56,662,500 | 1,423 |
| Average total loans | $402,238,000 | 1,275 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1266% | 3,659 |
| Cost of funding earning assets | 0.3466% | 4,303 |
| Net interest margin | 3.7800% | 2,744 |
| Noninterest income to average assets | 0.8240% | 1,389 |
| Noninterest expense to average assets | 3.0662% | 1,877 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0096% | 2,962 |
| Return on assets (ROA) | 1.0096% | 2,949 |
| Pretax return on assets | 1.3526% | 2,306 |
| Return on Equity (ROE) | 10.4976% | 2,287 |
| Retained earnings to average equity (ytd only) | 10.4976% | 526 |
| Net charge-offs to loans | -0.0737% | 5,077 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2269% | 2,339 |
| Assets per employee ($millions) | 3.6269% | 4,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8842% | 590 |
| Loan loss allowance to noncurrent loans | 59.9041% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 3.0329% | 205 |
| Noncurrent loans to loans | 3.1453% | 312 |
| Net loans and leases to total assets | 73.4071% | 2,027 |
| Net loans and leases to deposits | 85.0591% | 2,397 |
| Net loans and leases to core deposits | 87.5664% | 2,786 |
| Total domestic deposits to total assets | 86.3013% | 2,088 |
| Equity capital to assets | 10.2752% | 3,405 |
| Core capital (leverage) ratio | 10.2776% | 3,276 |
| Tier 1 risk-based capital ratio | 13.7780% | 3,399 |
| Total risk-based capital ratio | 15.0357% | 3,326 |
| Memoranda: | ||
| Average total assets | $543,901,800 | 1,308 |
| Average earning assets | $517,252,200 | 1,272 |
| Average equity | $52,307,200 | 1,457 |
| Average total loans | $423,456,600 | 1,198 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0947% | 3,650 |
| Cost of funding earning assets | 0.3427% | 4,233 |
| Net interest margin | 3.7520% | 2,818 |
| Noninterest income to average assets | 0.8304% | 1,380 |
| Noninterest expense to average assets | 3.0980% | 1,772 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9702% | 3,217 |
| Return on assets (ROA) | 0.9702% | 3,234 |
| Pretax return on assets | 1.2986% | 2,637 |
| Return on Equity (ROE) | 10.2621% | 2,499 |
| Retained earnings to average equity (ytd only) | 10.2621% | 837 |
| Net charge-offs to loans | -0.1055% | 5,177 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3017% | 2,149 |
| Assets per employee ($millions) | 3.6195% | 4,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8738% | 631 |
| Loan loss allowance to noncurrent loans | 60.9260% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 2.9708% | 249 |
| Noncurrent loans to loans | 3.0755% | 350 |
| Net loans and leases to total assets | 73.2501% | 2,123 |
| Net loans and leases to deposits | 84.1821% | 2,582 |
| Net loans and leases to core deposits | 85.0181% | 3,082 |
| Total domestic deposits to total assets | 87.0139% | 1,722 |
| Equity capital to assets | 9.6690% | 3,939 |
| Core capital (leverage) ratio | 9.7687% | 3,880 |
| Tier 1 risk-based capital ratio | 13.1478% | 3,814 |
| Total risk-based capital ratio | 14.4064% | 3,722 |
| Memoranda: | ||
| Average total assets | $544,775,500 | 1,302 |
| Average earning assets | $517,794,750 | 1,277 |
| Average equity | $51,502,000 | 1,473 |
| Average total loans | $428,242,000 | 1,188 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0331% | 3,675 |
| Cost of funding earning assets | 0.3433% | 4,116 |
| Net interest margin | 3.6899% | 2,968 |
| Noninterest income to average assets | 0.8490% | 1,323 |
| Noninterest expense to average assets | 3.1129% | 1,749 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9284% | 3,328 |
| Return on assets (ROA) | 0.9284% | 3,329 |
| Pretax return on assets | 1.2404% | 2,771 |
| Return on Equity (ROE) | 9.8954% | 2,615 |
| Retained earnings to average equity (ytd only) | 9.8954% | 955 |
| Net charge-offs to loans | -0.1352% | 5,248 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3466% | 2,107 |
| Assets per employee ($millions) | 3.5234% | 4,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7663% | 800 |
| Loan loss allowance to noncurrent loans | 52.1441% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 3.4226% | 190 |
| Noncurrent loans to loans | 3.3874% | 297 |
| Net loans and leases to total assets | 77.8969% | 1,335 |
| Net loans and leases to deposits | 89.2874% | 1,938 |
| Net loans and leases to core deposits | 90.1788% | 2,555 |
| Total domestic deposits to total assets | 87.2428% | 1,743 |
| Equity capital to assets | 9.5607% | 4,040 |
| Core capital (leverage) ratio | 9.6283% | 3,966 |
| Tier 1 risk-based capital ratio | 12.1163% | 4,425 |
| Total risk-based capital ratio | 13.3740% | 4,298 |
| Memoranda: | ||
| Average total assets | $544,183,330 | 1,303 |
| Average earning assets | $516,819,670 | 1,281 |
| Average equity | $51,054,000 | 1,487 |
| Average total loans | $434,991,000 | 1,176 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9836% | 3,670 |
| Cost of funding earning assets | 0.3404% | 4,060 |
| Net interest margin | 3.6432% | 3,013 |
| Noninterest income to average assets | 0.9087% | 1,126 |
| Noninterest expense to average assets | 3.2266% | 1,513 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8507% | 3,500 |
| Return on assets (ROA) | 0.8507% | 3,517 |
| Pretax return on assets | 1.1384% | 3,013 |
| Return on Equity (ROE) | 9.1543% | 2,828 |
| Retained earnings to average equity (ytd only) | 9.1543% | 1,408 |
| Net charge-offs to loans | 0.7619% | 187 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 1.8619% | 2,512 |
| Efficiency ratio | 73.7515% | 1,929 |
| Assets per employee ($millions) | 3.4857% | 4,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4920% | 1,490 |
| Loan loss allowance to noncurrent loans | 32.6837% | 4,761 |
| Noncurrent assets plus other real estate owned to assets | 4.6595% | 106 |
| Noncurrent loans to loans | 4.5650% | 187 |
| Net loans and leases to total assets | 79.1022% | 1,062 |
| Net loans and leases to deposits | 90.4183% | 1,640 |
| Net loans and leases to core deposits | 91.3225% | 2,349 |
| Total domestic deposits to total assets | 87.4848% | 1,907 |
| Equity capital to assets | 9.4044% | 4,178 |
| Core capital (leverage) ratio | 9.2243% | 4,402 |
| Tier 1 risk-based capital ratio | 11.4414% | 4,888 |
| Total risk-based capital ratio | 12.6958% | 4,785 |
| Memoranda: | ||
| Average total assets | $544,976,500 | 1,317 |
| Average earning assets | $517,017,500 | 1,290 |
| Average equity | $50,643,000 | 1,510 |
| Average total loans | $437,353,500 | 1,174 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0145% | 3,351 |
| Cost of funding earning assets | 0.3505% | 3,715 |
| Net interest margin | 3.6639% | 2,939 |
| Noninterest income to average assets | 0.5670% | 2,614 |
| Noninterest expense to average assets | 3.1694% | 1,683 |
| Loan and lease loss provision to assets | 0.0536% | 3,165 |
| Net operating income to assets | 0.0560% | 5,300 |
| Return on assets (ROA) | 0.0596% | 5,301 |
| Pretax return on assets | 0.8009% | 4,238 |
| Return on Equity (ROE) | 0.6474% | 5,291 |
| Retained earnings to average equity (ytd only) | 0.6474% | 4,782 |
| Net charge-offs to loans | 0.1860% | 1,357 |
| Credit loss provision to net charge-offs | 36.0577% | 3,480 |
| Earnings coverage of net charge-offs (x) | 5.7127% | 3,283 |
| Efficiency ratio | 78.7086% | 1,252 |
| Assets per employee ($millions) | 3.4355% | 4,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6572% | 1,019 |
| Loan loss allowance to noncurrent loans | 34.7442% | 4,781 |
| Noncurrent assets plus other real estate owned to assets | 4.8338% | 105 |
| Noncurrent loans to loans | 4.7697% | 152 |
| Net loans and leases to total assets | 78.8750% | 1,144 |
| Net loans and leases to deposits | 91.5218% | 1,588 |
| Net loans and leases to core deposits | 92.4338% | 2,332 |
| Total domestic deposits to total assets | 86.1817% | 2,359 |
| Equity capital to assets | 9.1829% | 4,547 |
| Core capital (leverage) ratio | 8.8150% | 4,847 |
| Tier 1 risk-based capital ratio | 11.0249% | 5,135 |
| Total risk-based capital ratio | 12.2812% | 5,013 |
| Memoranda: | ||
| Average total assets | $560,003,800 | 1,264 |
| Average earning assets | $527,491,000 | 1,242 |
| Average equity | $51,594,400 | 1,485 |
| Average total loans | $447,364,600 | 1,134 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0143% | 3,298 |
| Cost of funding earning assets | 0.3511% | 3,656 |
| Net interest margin | 3.6632% | 2,901 |
| Noninterest income to average assets | 0.5427% | 2,762 |
| Noninterest expense to average assets | 3.0949% | 1,815 |
| Loan and lease loss provision to assets | 0.0711% | 2,656 |
| Net operating income to assets | 0.5490% | 4,578 |
| Return on assets (ROA) | 0.5541% | 4,599 |
| Pretax return on assets | 0.8285% | 4,274 |
| Return on Equity (ROE) | 6.0093% | 4,122 |
| Retained earnings to average equity (ytd only) | 6.0093% | 2,233 |
| Net charge-offs to loans | 0.1048% | 1,742 |
| Credit loss provision to net charge-offs | 84.9858% | 2,519 |
| Earnings coverage of net charge-offs (x) | 10.6630% | 2,573 |
| Efficiency ratio | 77.4535% | 1,401 |
| Assets per employee ($millions) | 3.5266% | 4,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7785% | 886 |
| Loan loss allowance to noncurrent loans | 34.3830% | 4,872 |
| Noncurrent assets plus other real estate owned to assets | 5.0807% | 100 |
| Noncurrent loans to loans | 5.1726% | 150 |
| Net loans and leases to total assets | 76.1973% | 1,556 |
| Net loans and leases to deposits | 87.9474% | 2,073 |
| Net loans and leases to core deposits | 88.7978% | 2,703 |
| Total domestic deposits to total assets | 86.6396% | 2,024 |
| Equity capital to assets | 9.3971% | 4,546 |
| Core capital (leverage) ratio | 8.8987% | 4,870 |
| Tier 1 risk-based capital ratio | 11.1996% | 5,130 |
| Total risk-based capital ratio | 12.4580% | 5,029 |
| Memoranda: | ||
| Average total assets | $562,585,750 | 1,271 |
| Average earning assets | $528,957,750 | 1,253 |
| Average equity | $51,874,000 | 1,493 |
| Average total loans | $448,990,000 | 1,135 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0098% | 3,172 |
| Cost of funding earning assets | 0.3556% | 3,523 |
| Net interest margin | 3.6542% | 2,819 |
| Noninterest income to average assets | 0.7163% | 1,920 |
| Noninterest expense to average assets | 3.1511% | 1,700 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6480% | 4,094 |
| Return on assets (ROA) | 0.6526% | 4,122 |
| Pretax return on assets | 1.0024% | 3,564 |
| Return on Equity (ROE) | 7.1236% | 3,486 |
| Retained earnings to average equity (ytd only) | 7.1236% | 1,531 |
| Net charge-offs to loans | 0.2218% | 918 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 5.5717% | 2,812 |
| Efficiency ratio | 75.8325% | 1,745 |
| Assets per employee ($millions) | 3.5498% | 4,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6147% | 1,229 |
| Loan loss allowance to noncurrent loans | 43.8625% | 4,717 |
| Noncurrent assets plus other real estate owned to assets | 4.1370% | 160 |
| Noncurrent loans to loans | 3.6813% | 289 |
| Net loans and leases to total assets | 79.1946% | 1,068 |
| Net loans and leases to deposits | 91.1087% | 1,594 |
| Net loans and leases to core deposits | 92.0938% | 2,328 |
| Total domestic deposits to total assets | 86.9232% | 1,982 |
| Equity capital to assets | 9.3113% | 4,610 |
| Core capital (leverage) ratio | 8.7817% | 4,968 |
| Tier 1 risk-based capital ratio | 10.7006% | 5,376 |
| Total risk-based capital ratio | 11.9571% | 5,308 |
| Memoranda: | ||
| Average total assets | $562,031,000 | 1,283 |
| Average earning assets | $527,554,330 | 1,257 |
| Average equity | $51,491,000 | 1,503 |
| Average total loans | $452,744,000 | 1,127 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0021% | 3,035 |
| Cost of funding earning assets | 0.3555% | 3,470 |
| Net interest margin | 3.6466% | 2,710 |
| Noninterest income to average assets | 0.6027% | 2,399 |
| Noninterest expense to average assets | 3.0483% | 2,022 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6269% | 4,031 |
| Return on assets (ROA) | 0.6269% | 4,081 |
| Pretax return on assets | 0.9707% | 3,491 |
| Return on Equity (ROE) | 6.8997% | 3,446 |
| Retained earnings to average equity (ytd only) | 6.8997% | 1,887 |
| Net charge-offs to loans | 0.1354% | 1,118 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 8.8954% | 2,031 |
| Efficiency ratio | 75.6699% | 1,958 |
| Assets per employee ($millions) | 3.5121% | 4,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6889% | 1,165 |
| Loan loss allowance to noncurrent loans | 44.0856% | 4,772 |
| Noncurrent assets plus other real estate owned to assets | 4.6809% | 134 |
| Noncurrent loans to loans | 3.8310% | 281 |
| Net loans and leases to total assets | 80.6140% | 748 |
| Net loans and leases to deposits | 92.5216% | 1,268 |
| Net loans and leases to core deposits | 93.5523% | 2,020 |
| Total domestic deposits to total assets | 87.1300% | 2,145 |
| Equity capital to assets | 9.2682% | 4,543 |
| Core capital (leverage) ratio | 8.6127% | 5,141 |
| Tier 1 risk-based capital ratio | 10.3466% | 5,609 |
| Total risk-based capital ratio | 11.6048% | 5,535 |
| Memoranda: | ||
| Average total assets | $560,836,500 | 1,283 |
| Average earning assets | $525,427,000 | 1,261 |
| Average equity | $50,959,000 | 1,519 |
| Average total loans | $451,953,000 | 1,125 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0286% | 3,099 |
| Cost of funding earning assets | 0.3650% | 3,369 |
| Net interest margin | 3.6636% | 2,848 |
| Noninterest income to average assets | 0.6656% | 2,341 |
| Noninterest expense to average assets | 3.0953% | 2,053 |
| Loan and lease loss provision to assets | 0.1405% | 1,776 |
| Net operating income to assets | 0.5569% | 4,406 |
| Return on assets (ROA) | 0.5871% | 4,372 |
| Pretax return on assets | 0.8958% | 3,862 |
| Return on Equity (ROE) | 6.6709% | 3,654 |
| Retained earnings to average equity (ytd only) | 6.6709% | 1,371 |
| Net charge-offs to loans | 0.2918% | 951 |
| Credit loss provision to net charge-offs | 60.1052% | 3,244 |
| Earnings coverage of net charge-offs (x) | 4.2382% | 3,531 |
| Efficiency ratio | 75.5919% | 2,044 |
| Assets per employee ($millions) | 3.4142% | 4,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7461% | 1,047 |
| Loan loss allowance to noncurrent loans | 42.5423% | 4,836 |
| Noncurrent assets plus other real estate owned to assets | 4.7991% | 133 |
| Noncurrent loans to loans | 4.1044% | 244 |
| Net loans and leases to total assets | 77.8187% | 1,222 |
| Net loans and leases to deposits | 89.8375% | 1,706 |
| Net loans and leases to core deposits | 90.8211% | 2,423 |
| Total domestic deposits to total assets | 86.6216% | 2,321 |
| Equity capital to assets | 8.9081% | 4,901 |
| Core capital (leverage) ratio | 8.3841% | 5,383 |
| Tier 1 risk-based capital ratio | 10.2398% | 5,674 |
| Total risk-based capital ratio | 11.5013% | 5,619 |
| Memoranda: | ||
| Average total assets | $569,568,800 | 1,223 |
| Average earning assets | $531,722,800 | 1,205 |
| Average equity | $50,128,200 | 1,516 |
| Average total loans | $456,206,600 | 1,076 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0527% | 3,026 |
| Cost of funding earning assets | 0.3675% | 3,359 |
| Net interest margin | 3.6853% | 2,775 |
| Noninterest income to average assets | 0.6542% | 2,397 |
| Noninterest expense to average assets | 3.0693% | 2,101 |
| Loan and lease loss provision to assets | 0.1403% | 1,673 |
| Net operating income to assets | 0.5722% | 4,404 |
| Return on assets (ROA) | 0.6119% | 4,356 |
| Pretax return on assets | 0.9432% | 3,835 |
| Return on Equity (ROE) | 6.9731% | 3,573 |
| Retained earnings to average equity (ytd only) | 6.9731% | 1,640 |
| Net charge-offs to loans | -0.0309% | 5,174 |
| Credit loss provision to net charge-offs | -566.0377% | 5,101 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8472% | 2,132 |
| Assets per employee ($millions) | 3.3789% | 4,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0023% | 724 |
| Loan loss allowance to noncurrent loans | 36.7112% | 5,040 |
| Noncurrent assets plus other real estate owned to assets | 6.2510% | 97 |
| Noncurrent loans to loans | 5.4541% | 141 |
| Net loans and leases to total assets | 77.7825% | 1,234 |
| Net loans and leases to deposits | 90.8667% | 1,648 |
| Net loans and leases to core deposits | 92.0133% | 2,376 |
| Total domestic deposits to total assets | 85.6006% | 2,556 |
| Equity capital to assets | 8.9718% | 5,205 |
| Core capital (leverage) ratio | 8.2056% | 5,572 |
| Tier 1 risk-based capital ratio | 9.9597% | 5,804 |
| Total risk-based capital ratio | 11.2252% | 5,759 |
| Memoranda: | ||
| Average total assets | $570,272,000 | 1,224 |
| Average earning assets | $531,939,250 | 1,206 |
| Average equity | $50,038,500 | 1,525 |
| Average total loans | $458,038,250 | 1,063 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1168% | 2,794 |
| Cost of funding earning assets | 0.3694% | 3,360 |
| Net interest margin | 3.7474% | 2,526 |
| Noninterest income to average assets | 0.5993% | 2,623 |
| Noninterest expense to average assets | 3.1459% | 1,940 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6097% | 4,227 |
| Return on assets (ROA) | 0.6421% | 4,221 |
| Pretax return on assets | 0.9961% | 3,601 |
| Return on Equity (ROE) | 7.3730% | 3,330 |
| Retained earnings to average equity (ytd only) | 7.3730% | 1,444 |
| Net charge-offs to loans | -0.0583% | 5,431 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7258% | 1,975 |
| Assets per employee ($millions) | 3.2445% | 5,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8464% | 988 |
| Loan loss allowance to noncurrent loans | 54.7733% | 4,699 |
| Noncurrent assets plus other real estate owned to assets | 4.8719% | 158 |
| Noncurrent loans to loans | 3.3709% | 399 |
| Net loans and leases to total assets | 80.9995% | 753 |
| Net loans and leases to deposits | 94.2182% | 1,271 |
| Net loans and leases to core deposits | 95.4276% | 2,029 |
| Total domestic deposits to total assets | 85.9701% | 2,434 |
| Equity capital to assets | 9.0868% | 5,175 |
| Core capital (leverage) ratio | 7.9915% | 5,733 |
| Tier 1 risk-based capital ratio | 9.6349% | 5,927 |
| Total risk-based capital ratio | 10.8993% | 5,897 |
| Memoranda: | ||
| Average total assets | $570,018,670 | 1,230 |
| Average earning assets | $531,194,670 | 1,216 |
| Average equity | $49,640,670 | 1,534 |
| Average total loans | $459,638,330 | 1,059 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1129% | 2,804 |
| Cost of funding earning assets | 0.3723% | 3,371 |
| Net interest margin | 3.7406% | 2,520 |
| Noninterest income to average assets | 0.7563% | 1,799 |
| Noninterest expense to average assets | 3.1563% | 1,940 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6912% | 3,756 |
| Return on assets (ROA) | 0.7125% | 3,774 |
| Pretax return on assets | 1.1215% | 3,007 |
| Return on Equity (ROE) | 8.3574% | 2,735 |
| Retained earnings to average equity (ytd only) | 8.3574% | 1,319 |
| Net charge-offs to loans | 0.0096% | 2,806 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 142.4545% | 420 |
| Efficiency ratio | 74.1983% | 2,443 |
| Assets per employee ($millions) | 3.2574% | 5,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8199% | 1,116 |
| Loan loss allowance to noncurrent loans | 46.7999% | 4,908 |
| Noncurrent assets plus other real estate owned to assets | 5.1336% | 158 |
| Noncurrent loans to loans | 3.8887% | 320 |
| Net loans and leases to total assets | 78.6486% | 1,003 |
| Net loans and leases to deposits | 90.8205% | 1,482 |
| Net loans and leases to core deposits | 91.8043% | 2,203 |
| Total domestic deposits to total assets | 86.5978% | 2,412 |
| Equity capital to assets | 8.6939% | 5,427 |
| Core capital (leverage) ratio | 7.6016% | 5,904 |
| Tier 1 risk-based capital ratio | 9.5021% | 6,006 |
| Total risk-based capital ratio | 10.7670% | 5,984 |
| Memoranda: | ||
| Average total assets | $575,998,000 | 1,216 |
| Average earning assets | $537,135,500 | 1,205 |
| Average equity | $49,106,000 | 1,545 |
| Average total loans | $459,193,000 | 1,051 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0693% | 3,035 |
| Cost of funding earning assets | 0.3586% | 3,606 |
| Net interest margin | 3.7107% | 2,711 |
| Noninterest income to average assets | 0.5401% | 3,075 |
| Noninterest expense to average assets | 3.2891% | 1,742 |
| Loan and lease loss provision to assets | 0.0176% | 4,054 |
| Net operating income to assets | 2.6303% | 129 |
| Return on assets (ROA) | 2.6394% | 128 |
| Pretax return on assets | 0.7071% | 4,517 |
| Return on Equity (ROE) | 33.8649% | 40 |
| Retained earnings to average equity (ytd only) | 33.8649% | 22 |
| Net charge-offs to loans | 0.5114% | 504 |
| Credit loss provision to net charge-offs | 4.3066% | 3,867 |
| Earnings coverage of net charge-offs (x) | 1.7532% | 4,036 |
| Efficiency ratio | 82.1322% | 1,393 |
| Assets per employee ($millions) | 3.2941% | 5,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4307% | 2,290 |
| Loan loss allowance to noncurrent loans | 36.3511% | 5,198 |
| Noncurrent assets plus other real estate owned to assets | 5.0765% | 169 |
| Noncurrent loans to loans | 3.9359% | 313 |
| Net loans and leases to total assets | 78.0598% | 1,110 |
| Net loans and leases to deposits | 90.3702% | 1,568 |
| Net loans and leases to core deposits | 91.6172% | 2,262 |
| Total domestic deposits to total assets | 86.3778% | 2,444 |
| Equity capital to assets | 8.5281% | 5,540 |
| Core capital (leverage) ratio | 7.5537% | 5,965 |
| Tier 1 risk-based capital ratio | 9.3673% | 6,064 |
| Total risk-based capital ratio | 10.6294% | 6,050 |
| Memoranda: | ||
| Average total assets | $568,944,600 | 1,203 |
| Average earning assets | $531,192,400 | 1,187 |
| Average equity | $44,343,800 | 1,664 |
| Average total loans | $454,074,800 | 1,017 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0559% | 3,116 |
| Cost of funding earning assets | 0.3543% | 3,707 |
| Net interest margin | 3.7016% | 2,764 |
| Noninterest income to average assets | 0.5220% | 3,215 |
| Noninterest expense to average assets | 3.2539% | 1,812 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 3.3719% | 70 |
| Return on assets (ROA) | 3.3841% | 69 |
| Pretax return on assets | 0.7368% | 4,546 |
| Return on Equity (ROE) | 44.4918% | 21 |
| Retained earnings to average equity (ytd only) | 44.4918% | 8 |
| Net charge-offs to loans | 0.6077% | 370 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 1.4908% | 3,824 |
| Efficiency ratio | 81.7886% | 1,423 |
| Assets per employee ($millions) | 3.3088% | 5,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4953% | 2,179 |
| Loan loss allowance to noncurrent loans | 33.3449% | 5,372 |
| Noncurrent assets plus other real estate owned to assets | 5.5521% | 157 |
| Noncurrent loans to loans | 4.4843% | 245 |
| Net loans and leases to total assets | 76.5319% | 1,313 |
| Net loans and leases to deposits | 88.1469% | 1,883 |
| Net loans and leases to core deposits | 89.1316% | 2,544 |
| Total domestic deposits to total assets | 86.8232% | 2,127 |
| Equity capital to assets | 8.5033% | 5,709 |
| Core capital (leverage) ratio | 7.4561% | 6,065 |
| Tier 1 risk-based capital ratio | 9.3669% | 6,161 |
| Total risk-based capital ratio | 10.6301% | 6,141 |
| Memoranda: | ||
| Average total assets | $566,238,750 | 1,212 |
| Average earning assets | $528,732,250 | 1,199 |
| Average equity | $43,069,000 | 1,714 |
| Average total loans | $452,809,750 | 1,022 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0668% | 3,021 |
| Cost of funding earning assets | 0.3457% | 3,862 |
| Net interest margin | 3.7212% | 2,620 |
| Noninterest income to average assets | 0.5997% | 2,743 |
| Noninterest expense to average assets | 3.3532% | 1,571 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 4.8447% | 49 |
| Return on assets (ROA) | 4.8633% | 49 |
| Pretax return on assets | 0.7435% | 4,515 |
| Return on Equity (ROE) | 66.6379% | 14 |
| Retained earnings to average equity (ytd only) | 66.6379% | 6 |
| Net charge-offs to loans | 0.2473% | 1,049 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 3.6310% | 3,164 |
| Efficiency ratio | 82.2236% | 1,461 |
| Assets per employee ($millions) | 3.3175% | 5,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7794% | 1,414 |
| Loan loss allowance to noncurrent loans | 37.7679% | 5,310 |
| Noncurrent assets plus other real estate owned to assets | 6.0209% | 159 |
| Noncurrent loans to loans | 4.7114% | 272 |
| Net loans and leases to total assets | 78.7003% | 981 |
| Net loans and leases to deposits | 92.0271% | 1,372 |
| Net loans and leases to core deposits | 93.0724% | 2,055 |
| Total domestic deposits to total assets | 85.5186% | 2,911 |
| Equity capital to assets | 8.3533% | 5,794 |
| Core capital (leverage) ratio | 7.3952% | 6,124 |
| Tier 1 risk-based capital ratio | 8.8979% | 6,264 |
| Total risk-based capital ratio | 10.1658% | 6,253 |
| Memoranda: | ||
| Average total assets | $561,969,670 | 1,226 |
| Average earning assets | $525,321,000 | 1,212 |
| Average equity | $41,012,670 | 1,784 |
| Average total loans | $453,785,670 | 1,021 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0608% | 2,992 |
| Cost of funding earning assets | 0.3343% | 4,052 |
| Net interest margin | 3.7265% | 2,525 |
| Noninterest income to average assets | 0.4943% | 3,320 |
| Noninterest expense to average assets | 3.3676% | 1,556 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 3.4441% | 73 |
| Return on assets (ROA) | 3.4701% | 76 |
| Pretax return on assets | 0.6516% | 4,757 |
| Return on Equity (ROE) | 51.4201% | 20 |
| Retained earnings to average equity (ytd only) | 51.4201% | 10 |
| Net charge-offs to loans | 0.1086% | 1,656 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 7.1066% | 2,205 |
| Efficiency ratio | 84.3332% | 1,339 |
| Assets per employee ($millions) | 3.2253% | 5,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9245% | 1,235 |
| Loan loss allowance to noncurrent loans | 34.6663% | 5,434 |
| Noncurrent assets plus other real estate owned to assets | 7.0079% | 133 |
| Noncurrent loans to loans | 5.5514% | 211 |
| Net loans and leases to total assets | 79.1766% | 780 |
| Net loans and leases to deposits | 89.7285% | 1,418 |
| Net loans and leases to core deposits | 90.6554% | 2,069 |
| Total domestic deposits to total assets | 88.2401% | 1,693 |
| Equity capital to assets | 7.1811% | 6,242 |
| Core capital (leverage) ratio | 7.0901% | 6,228 |
| Tier 1 risk-based capital ratio | 8.6744% | 6,332 |
| Total risk-based capital ratio | 9.9325% | 6,332 |
| Memoranda: | ||
| Average total assets | $554,333,500 | 1,243 |
| Average earning assets | $520,494,500 | 1,225 |
| Average equity | $37,409,500 | 1,944 |
| Average total loans | $449,418,000 | 1,036 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0864% | 3,378 |
| Cost of funding earning assets | 0.3415% | 4,347 |
| Net interest margin | 3.7449% | 2,825 |
| Noninterest income to average assets | 0.4756% | 3,669 |
| Noninterest expense to average assets | 3.3842% | 1,731 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6095% | 4,324 |
| Return on assets (ROA) | 0.6304% | 4,341 |
| Pretax return on assets | 0.6320% | 4,834 |
| Return on Equity (ROE) | 10.5215% | 1,900 |
| Retained earnings to average equity (ytd only) | 10.5215% | 440 |
| Net charge-offs to loans | 0.9447% | 332 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 0.8033% | 4,563 |
| Efficiency ratio | 84.7044% | 1,321 |
| Assets per employee ($millions) | 3.2017% | 5,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9606% | 1,181 |
| Loan loss allowance to noncurrent loans | 35.7852% | 5,497 |
| Noncurrent assets plus other real estate owned to assets | 7.1611% | 142 |
| Noncurrent loans to loans | 5.4789% | 239 |
| Net loans and leases to total assets | 79.8251% | 758 |
| Net loans and leases to deposits | 92.5742% | 1,233 |
| Net loans and leases to core deposits | 93.4804% | 1,953 |
| Total domestic deposits to total assets | 86.2282% | 2,707 |
| Equity capital to assets | 6.3103% | 6,391 |
| Core capital (leverage) ratio | 6.3282% | 6,384 |
| Tier 1 risk-based capital ratio | 8.1330% | 6,441 |
| Total risk-based capital ratio | 9.3933% | 6,442 |
| Memoranda: | ||
| Average total assets | $545,242,200 | 1,225 |
| Average earning assets | $512,452,400 | 1,194 |
| Average equity | $32,666,400 | 2,132 |
| Average total loans | $439,076,400 | 1,002 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0782% | 3,464 |
| Cost of funding earning assets | 0.3447% | 4,398 |
| Net interest margin | 3.7335% | 2,882 |
| Noninterest income to average assets | 0.5717% | 3,056 |
| Noninterest expense to average assets | 3.3176% | 1,865 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7600% | 3,625 |
| Return on assets (ROA) | 0.7742% | 3,649 |
| Pretax return on assets | 0.7764% | 4,443 |
| Return on Equity (ROE) | 13.0984% | 1,202 |
| Retained earnings to average equity (ytd only) | 13.0984% | 325 |
| Net charge-offs to loans | 0.9399% | 342 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1.0097% | 4,260 |
| Efficiency ratio | 81.3184% | 1,707 |
| Assets per employee ($millions) | 3.2128% | 5,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2219% | 913 |
| Loan loss allowance to noncurrent loans | 36.9704% | 5,535 |
| Noncurrent assets plus other real estate owned to assets | 7.5920% | 146 |
| Noncurrent loans to loans | 6.0099% | 235 |
| Net loans and leases to total assets | 79.4456% | 779 |
| Net loans and leases to deposits | 89.3963% | 1,490 |
| Net loans and leases to core deposits | 90.2338% | 2,202 |
| Total domestic deposits to total assets | 88.8690% | 1,320 |
| Equity capital to assets | 6.2228% | 6,467 |
| Core capital (leverage) ratio | 6.2268% | 6,463 |
| Tier 1 risk-based capital ratio | 8.1940% | 6,507 |
| Total risk-based capital ratio | 9.4578% | 6,508 |
| Memoranda: | ||
| Average total assets | $543,881,500 | 1,236 |
| Average earning assets | $511,031,500 | 1,206 |
| Average equity | $32,145,500 | 2,164 |
| Average total loans | $436,751,500 | 1,011 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0282% | 3,622 |
| Cost of funding earning assets | 0.3479% | 4,457 |
| Net interest margin | 3.6803% | 3,030 |
| Noninterest income to average assets | 0.6013% | 2,810 |
| Noninterest expense to average assets | 3.3098% | 1,898 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7439% | 3,599 |
| Return on assets (ROA) | 0.7682% | 3,576 |
| Pretax return on assets | 0.7715% | 4,379 |
| Return on Equity (ROE) | 13.2311% | 1,117 |
| Retained earnings to average equity (ytd only) | 13.2311% | 321 |
| Net charge-offs to loans | 1.2467% | 246 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.7493% | 3,982 |
| Efficiency ratio | 81.5830% | 1,797 |
| Assets per employee ($millions) | 3.2525% | 5,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2886% | 915 |
| Loan loss allowance to noncurrent loans | 38.5174% | 5,545 |
| Noncurrent assets plus other real estate owned to assets | 7.5568% | 153 |
| Noncurrent loans to loans | 5.9417% | 268 |
| Net loans and leases to total assets | 79.4666% | 746 |
| Net loans and leases to deposits | 91.6111% | 1,200 |
| Net loans and leases to core deposits | 92.2907% | 1,921 |
| Total domestic deposits to total assets | 86.7434% | 2,609 |
| Equity capital to assets | 6.0422% | 6,528 |
| Core capital (leverage) ratio | 6.1068% | 6,526 |
| Tier 1 risk-based capital ratio | 7.8925% | 6,572 |
| Total risk-based capital ratio | 9.1572% | 6,574 |
| Memoranda: | ||
| Average total assets | $543,118,670 | 1,240 |
| Average earning assets | $509,952,000 | 1,203 |
| Average equity | $31,531,670 | 2,188 |
| Average total loans | $434,412,670 | 1,016 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9430% | 3,918 |
| Cost of funding earning assets | 0.3554% | 4,486 |
| Net interest margin | 3.5875% | 3,303 |
| Noninterest income to average assets | 0.6098% | 2,679 |
| Noninterest expense to average assets | 3.1543% | 2,365 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8147% | 3,086 |
| Return on assets (ROA) | 0.8484% | 2,975 |
| Pretax return on assets | 0.8551% | 3,882 |
| Return on Equity (ROE) | 14.9229% | 784 |
| Retained earnings to average equity (ytd only) | 14.9229% | 324 |
| Net charge-offs to loans | 0.7951% | 437 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.3020% | 3,125 |
| Efficiency ratio | 79.3476% | 2,291 |
| Assets per employee ($millions) | 3.2753% | 5,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8054% | 538 |
| Loan loss allowance to noncurrent loans | 39.4272% | 5,591 |
| Noncurrent assets plus other real estate owned to assets | 8.6436% | 143 |
| Noncurrent loans to loans | 7.1154% | 214 |
| Net loans and leases to total assets | 77.4935% | 818 |
| Net loans and leases to deposits | 85.9489% | 1,610 |
| Net loans and leases to core deposits | 88.3996% | 2,051 |
| Total domestic deposits to total assets | 90.1623% | 989 |
| Equity capital to assets | 5.8484% | 6,582 |
| Core capital (leverage) ratio | 5.9594% | 6,594 |
| Tier 1 risk-based capital ratio | 7.9866% | 6,627 |
| Total risk-based capital ratio | 9.2583% | 6,629 |
| Memoranda: | ||
| Average total assets | $539,838,000 | 1,250 |
| Average earning assets | $506,419,500 | 1,218 |
| Average equity | $30,691,000 | 2,227 |
| Average total loans | $428,097,500 | 1,033 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0283% | 3,988 |
| Cost of funding earning assets | 0.4020% | 4,632 |
| Net interest margin | 3.6263% | 3,352 |
| Noninterest income to average assets | 0.0407% | 6,574 |
| Noninterest expense to average assets | 3.1962% | 2,433 |
| Loan and lease loss provision to assets | 0.0917% | 3,274 |
| Net operating income to assets | 0.1348% | 5,969 |
| Return on assets (ROA) | 0.1802% | 5,939 |
| Pretax return on assets | 0.1819% | 5,975 |
| Return on Equity (ROE) | 3.1821% | 5,438 |
| Retained earnings to average equity (ytd only) | 3.1821% | 3,971 |
| Net charge-offs to loans | 0.4300% | 1,549 |
| Credit loss provision to net charge-offs | 26.8562% | 4,315 |
| Earnings coverage of net charge-offs (x) | 0.6667% | 4,864 |
| Efficiency ratio | 93.3487% | 783 |
| Assets per employee ($millions) | 3.0992% | 5,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0422% | 445 |
| Loan loss allowance to noncurrent loans | 38.1097% | 5,697 |
| Noncurrent assets plus other real estate owned to assets | 9.4254% | 141 |
| Noncurrent loans to loans | 7.9828% | 188 |
| Net loans and leases to total assets | 76.4716% | 1,007 |
| Net loans and leases to deposits | 86.0174% | 1,683 |
| Net loans and leases to core deposits | 88.8529% | 2,149 |
| Total domestic deposits to total assets | 88.9024% | 1,694 |
| Equity capital to assets | 5.5217% | 6,651 |
| Core capital (leverage) ratio | 5.7217% | 6,671 |
| Tier 1 risk-based capital ratio | 7.7598% | 6,700 |
| Total risk-based capital ratio | 9.0344% | 6,702 |
| Memoranda: | ||
| Average total assets | $555,913,800 | 1,191 |
| Average earning assets | $518,651,400 | 1,170 |
| Average equity | $31,489,000 | 2,153 |
| Average total loans | $441,604,400 | 965 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0319% | 4,008 |
| Cost of funding earning assets | 0.4102% | 4,732 |
| Net interest margin | 3.6217% | 3,353 |
| Noninterest income to average assets | 0.3309% | 5,037 |
| Noninterest expense to average assets | 3.1340% | 2,554 |
| Loan and lease loss provision to assets | 0.1214% | 2,777 |
| Net operating income to assets | 0.4492% | 5,028 |
| Return on assets (ROA) | 0.5068% | 4,927 |
| Pretax return on assets | 0.5090% | 5,331 |
| Return on Equity (ROE) | 8.8936% | 2,689 |
| Retained earnings to average equity (ytd only) | 8.8936% | 1,090 |
| Net charge-offs to loans | 0.2767% | 2,167 |
| Credit loss provision to net charge-offs | 55.1351% | 3,396 |
| Earnings coverage of net charge-offs (x) | 2.6011% | 3,973 |
| Efficiency ratio | 84.5482% | 1,529 |
| Assets per employee ($millions) | 3.1274% | 5,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2272% | 438 |
| Loan loss allowance to noncurrent loans | 39.6212% | 5,641 |
| Noncurrent assets plus other real estate owned to assets | 9.7614% | 142 |
| Noncurrent loans to loans | 8.1451% | 213 |
| Net loans and leases to total assets | 76.2308% | 975 |
| Net loans and leases to deposits | 84.7610% | 1,769 |
| Net loans and leases to core deposits | 87.4931% | 2,233 |
| Total domestic deposits to total assets | 89.9362% | 1,039 |
| Equity capital to assets | 5.8602% | 6,710 |
| Core capital (leverage) ratio | 5.8438% | 6,731 |
| Tier 1 risk-based capital ratio | 7.8333% | 6,772 |
| Total risk-based capital ratio | 9.1099% | 6,773 |
| Memoranda: | ||
| Average total assets | $560,078,750 | 1,194 |
| Average earning assets | $522,062,250 | 1,173 |
| Average equity | $31,917,250 | 2,153 |
| Average total loans | $445,676,750 | 963 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0370% | 3,977 |
| Cost of funding earning assets | 0.4137% | 4,818 |
| Net interest margin | 3.6233% | 3,269 |
| Noninterest income to average assets | 0.3785% | 4,682 |
| Noninterest expense to average assets | 3.1772% | 2,415 |
| Loan and lease loss provision to assets | 0.1807% | 2,101 |
| Net operating income to assets | 0.3925% | 5,244 |
| Return on assets (ROA) | 0.4774% | 5,074 |
| Pretax return on assets | 0.4806% | 5,438 |
| Return on Equity (ROE) | 8.4542% | 2,874 |
| Retained earnings to average equity (ytd only) | 8.4542% | 1,311 |
| Net charge-offs to loans | 0.0138% | 4,573 |
| Credit loss provision to net charge-offs | 1,645.1613% | 194 |
| Earnings coverage of net charge-offs (x) | 52.3871% | 779 |
| Efficiency ratio | 84.6633% | 1,561 |
| Assets per employee ($millions) | 3.0619% | 5,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3317% | 424 |
| Loan loss allowance to noncurrent loans | 37.6185% | 5,728 |
| Noncurrent assets plus other real estate owned to assets | 10.7273% | 133 |
| Noncurrent loans to loans | 8.8566% | 209 |
| Net loans and leases to total assets | 79.2717% | 608 |
| Net loans and leases to deposits | 88.8834% | 1,242 |
| Net loans and leases to core deposits | 92.0114% | 1,707 |
| Total domestic deposits to total assets | 89.1862% | 1,515 |
| Equity capital to assets | 5.7586% | 6,761 |
| Core capital (leverage) ratio | 5.7413% | 6,775 |
| Tier 1 risk-based capital ratio | 7.5688% | 6,821 |
| Total risk-based capital ratio | 8.8476% | 6,818 |
| Memoranda: | ||
| Average total assets | $564,342,000 | 1,187 |
| Average earning assets | $525,536,670 | 1,163 |
| Average equity | $31,865,670 | 2,160 |
| Average total loans | $450,530,330 | 948 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0070% | 4,094 |
| Cost of funding earning assets | 0.4204% | 4,906 |
| Net interest margin | 3.5866% | 3,313 |
| Noninterest income to average assets | 0.3823% | 4,604 |
| Noninterest expense to average assets | 3.0629% | 2,800 |
| Loan and lease loss provision to assets | 0.3545% | 917 |
| Net operating income to assets | 0.3000% | 5,564 |
| Return on assets (ROA) | 0.3475% | 5,505 |
| Pretax return on assets | 0.3510% | 5,712 |
| Return on Equity (ROE) | 6.2123% | 3,932 |
| Retained earnings to average equity (ytd only) | 6.2123% | 2,559 |
| Net charge-offs to loans | 0.6640% | 920 |
| Credit loss provision to net charge-offs | 67.7291% | 2,326 |
| Earnings coverage of net charge-offs (x) | 1.2563% | 3,407 |
| Efficiency ratio | 82.3277% | 1,994 |
| Assets per employee ($millions) | 3.1282% | 5,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1691% | 564 |
| Loan loss allowance to noncurrent loans | 33.6615% | 5,889 |
| Noncurrent assets plus other real estate owned to assets | 11.1823% | 148 |
| Noncurrent loans to loans | 9.4145% | 242 |
| Net loans and leases to total assets | 76.8592% | 735 |
| Net loans and leases to deposits | 86.8180% | 1,266 |
| Net loans and leases to core deposits | 89.7451% | 1,722 |
| Total domestic deposits to total assets | 88.5291% | 1,985 |
| Equity capital to assets | 5.7699% | 6,841 |
| Core capital (leverage) ratio | 5.3481% | 6,858 |
| Tier 1 risk-based capital ratio | 7.2443% | 6,886 |
| Total risk-based capital ratio | 8.5204% | 6,887 |
| Memoranda: | ||
| Average total assets | $575,535,000 | 1,176 |
| Average earning assets | $535,667,000 | 1,152 |
| Average equity | $32,194,000 | 2,169 |
| Average total loans | $453,583,000 | 937 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2350% | 4,451 |
| Cost of funding earning assets | 0.6228% | 4,154 |
| Net interest margin | 3.6122% | 4,035 |
| Noninterest income to average assets | -0.2062% | 6,964 |
| Noninterest expense to average assets | 2.9988% | 3,277 |
| Loan and lease loss provision to assets | 1.4966% | 216 |
| Net operating income to assets | -1.3361% | 6,828 |
| Return on assets (ROA) | -0.9284% | 6,739 |
| Pretax return on assets | -0.9276% | 6,713 |
| Return on Equity (ROE) | -15.4918% | 6,830 |
| Retained earnings to average equity (ytd only) | -15.4918% | 6,780 |
| Net charge-offs to loans | 3.2370% | 137 |
| Credit loss provision to net charge-offs | 59.4577% | 4,463 |
| Earnings coverage of net charge-offs (x) | 0.0641% | 5,460 |
| Efficiency ratio | 94.8686% | 758 |
| Assets per employee ($millions) | 3.1611% | 5,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0965% | 606 |
| Loan loss allowance to noncurrent loans | 31.8075% | 5,991 |
| Noncurrent assets plus other real estate owned to assets | 11.0750% | 181 |
| Noncurrent loans to loans | 9.7352% | 248 |
| Net loans and leases to total assets | 75.8527% | 936 |
| Net loans and leases to deposits | 84.4363% | 1,708 |
| Net loans and leases to core deposits | 87.1464% | 2,177 |
| Total domestic deposits to total assets | 89.8341% | 1,048 |
| Equity capital to assets | 5.4269% | 6,925 |
| Core capital (leverage) ratio | 5.1022% | 6,929 |
| Tier 1 risk-based capital ratio | 6.8928% | 6,959 |
| Total risk-based capital ratio | 8.1682% | 6,959 |
| Memoranda: | ||
| Average total assets | $608,048,600 | 1,089 |
| Average earning assets | $566,663,200 | 1,066 |
| Average equity | $36,438,600 | 1,904 |
| Average total loans | $472,814,200 | 865 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2525% | 4,639 |
| Cost of funding earning assets | 0.6806% | 3,935 |
| Net interest margin | 3.5720% | 4,346 |
| Noninterest income to average assets | -0.2622% | 7,088 |
| Noninterest expense to average assets | 2.9149% | 3,536 |
| Loan and lease loss provision to assets | 1.6114% | 187 |
| Net operating income to assets | -1.4603% | 6,958 |
| Return on assets (ROA) | -0.9560% | 6,875 |
| Pretax return on assets | -0.9549% | 6,850 |
| Return on Equity (ROE) | -15.5968% | 6,939 |
| Retained earnings to average equity (ytd only) | -15.5968% | 6,917 |
| Net charge-offs to loans | 2.8608% | 197 |
| Credit loss provision to net charge-offs | 72.5561% | 3,836 |
| Earnings coverage of net charge-offs (x) | 0.0685% | 5,301 |
| Efficiency ratio | 95.0089% | 712 |
| Assets per employee ($millions) | 3.1615% | 5,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8710% | 344 |
| Loan loss allowance to noncurrent loans | 30.2669% | 6,116 |
| Noncurrent assets plus other real estate owned to assets | 13.1615% | 125 |
| Noncurrent loans to loans | 12.7896% | 147 |
| Net loans and leases to total assets | 73.7019% | 1,289 |
| Net loans and leases to deposits | 79.7868% | 2,421 |
| Net loans and leases to core deposits | 82.5568% | 2,887 |
| Total domestic deposits to total assets | 92.3735% | 163 |
| Equity capital to assets | 5.6662% | 7,006 |
| Core capital (leverage) ratio | 5.1049% | 7,018 |
| Tier 1 risk-based capital ratio | 7.3015% | 7,031 |
| Total risk-based capital ratio | 8.5875% | 7,031 |
| Memoranda: | ||
| Average total assets | $612,279,500 | 1,089 |
| Average earning assets | $570,689,500 | 1,063 |
| Average equity | $37,528,250 | 1,873 |
| Average total loans | $475,339,750 | 870 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2689% | 4,692 |
| Cost of funding earning assets | 0.7453% | 3,638 |
| Net interest margin | 3.5237% | 4,579 |
| Noninterest income to average assets | 0.0321% | 6,915 |
| Noninterest expense to average assets | 3.0859% | 2,970 |
| Loan and lease loss provision to assets | 0.6157% | 952 |
| Net operating income to assets | -0.3853% | 6,672 |
| Return on assets (ROA) | 0.3218% | 5,739 |
| Pretax return on assets | 0.3224% | 5,917 |
| Return on Equity (ROE) | 5.1249% | 4,747 |
| Retained earnings to average equity (ytd only) | 5.1249% | 3,205 |
| Net charge-offs to loans | 1.6866% | 543 |
| Credit loss provision to net charge-offs | 46.8326% | 4,108 |
| Earnings coverage of net charge-offs (x) | 0.1757% | 4,985 |
| Efficiency ratio | 93.0051% | 865 |
| Assets per employee ($millions) | 3.3092% | 5,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8649% | 377 |
| Loan loss allowance to noncurrent loans | 29.0438% | 6,194 |
| Noncurrent assets plus other real estate owned to assets | 13.9213% | 124 |
| Noncurrent loans to loans | 13.3073% | 132 |
| Net loans and leases to total assets | 75.4782% | 1,036 |
| Net loans and leases to deposits | 82.5767% | 2,036 |
| Net loans and leases to core deposits | 85.7909% | 2,456 |
| Total domestic deposits to total assets | 91.4037% | 329 |
| Equity capital to assets | 6.4091% | 6,995 |
| Core capital (leverage) ratio | 5.9653% | 6,993 |
| Tier 1 risk-based capital ratio | 8.2249% | 7,030 |
| Total risk-based capital ratio | 9.5104% | 7,031 |
| Memoranda: | ||
| Average total assets | $617,197,670 | 1,080 |
| Average earning assets | $575,364,670 | 1,052 |
| Average equity | $38,752,000 | 1,795 |
| Average total loans | $481,079,330 | 858 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3031% | 4,722 |
| Cost of funding earning assets | 0.7688% | 3,706 |
| Net interest margin | 3.5343% | 4,549 |
| Noninterest income to average assets | 0.4603% | 4,222 |
| Noninterest expense to average assets | 2.9765% | 3,348 |
| Loan and lease loss provision to assets | 0.0642% | 4,623 |
| Net operating income to assets | 0.7191% | 3,786 |
| Return on assets (ROA) | 2.1200% | 393 |
| Pretax return on assets | 2.1207% | 613 |
| Return on Equity (ROE) | 34.1098% | 70 |
| Retained earnings to average equity (ytd only) | 34.1098% | 45 |
| Net charge-offs to loans | 0.2637% | 2,613 |
| Credit loss provision to net charge-offs | 31.3480% | 3,604 |
| Earnings coverage of net charge-offs (x) | 3.8276% | 2,735 |
| Efficiency ratio | 79.1361% | 2,325 |
| Assets per employee ($millions) | 3.4085% | 5,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2909% | 292 |
| Loan loss allowance to noncurrent loans | 30.1033% | 6,172 |
| Noncurrent assets plus other real estate owned to assets | 14.3459% | 119 |
| Noncurrent loans to loans | 14.2540% | 139 |
| Net loans and leases to total assets | 72.2467% | 1,357 |
| Net loans and leases to deposits | 79.7161% | 2,242 |
| Net loans and leases to core deposits | 83.2324% | 2,649 |
| Total domestic deposits to total assets | 90.6300% | 732 |
| Equity capital to assets | 6.2065% | 7,050 |
| Core capital (leverage) ratio | 6.3015% | 6,996 |
| Tier 1 risk-based capital ratio | 8.7934% | 7,049 |
| Total risk-based capital ratio | 10.0847% | 7,051 |
| Memoranda: | ||
| Average total assets | $623,009,000 | 1,067 |
| Average earning assets | $581,720,000 | 1,037 |
| Average equity | $38,722,000 | 1,795 |
| Average total loans | $483,892,500 | 852 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8623% | 3,533 |
| Cost of funding earning assets | 0.8267% | 4,655 |
| Net interest margin | 4.0356% | 2,703 |
| Noninterest income to average assets | -0.4487% | 7,251 |
| Noninterest expense to average assets | 2.7473% | 4,563 |
| Loan and lease loss provision to assets | 2.9027% | 133 |
| Net operating income to assets | -2.3248% | 7,084 |
| Return on assets (ROA) | -1.9681% | 7,030 |
| Pretax return on assets | -1.9673% | 7,015 |
| Return on Equity (ROE) | -26.6575% | 7,065 |
| Retained earnings to average equity (ytd only) | -26.6575% | 7,055 |
| Net charge-offs to loans | 2.1582% | 604 |
| Credit loss provision to net charge-offs | 162.1551% | 1,695 |
| Earnings coverage of net charge-offs (x) | 0.3233% | 5,584 |
| Efficiency ratio | 82.5782% | 1,942 |
| Assets per employee ($millions) | 3.4767% | 5,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1534% | 342 |
| Loan loss allowance to noncurrent loans | 31.9535% | 6,082 |
| Noncurrent assets plus other real estate owned to assets | 13.1263% | 174 |
| Noncurrent loans to loans | 12.9982% | 170 |
| Net loans and leases to total assets | 76.5662% | 880 |
| Net loans and leases to deposits | 83.5339% | 1,979 |
| Net loans and leases to core deposits | 86.9920% | 2,507 |
| Total domestic deposits to total assets | 91.6588% | 292 |
| Equity capital to assets | 6.2242% | 7,072 |
| Core capital (leverage) ratio | 5.6055% | 7,088 |
| Tier 1 risk-based capital ratio | 7.7552% | 7,123 |
| Total risk-based capital ratio | 9.0451% | 7,122 |
| Memoranda: | ||
| Average total assets | $637,676,800 | 1,017 |
| Average earning assets | $596,443,400 | 986 |
| Average equity | $47,078,600 | 1,441 |
| Average total loans | $528,917,200 | 790 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9773% | 3,202 |
| Cost of funding earning assets | 0.8401% | 4,856 |
| Net interest margin | 4.1372% | 2,322 |
| Noninterest income to average assets | -0.0027% | 7,122 |
| Noninterest expense to average assets | 2.6885% | 4,774 |
| Loan and lease loss provision to assets | 2.0776% | 250 |
| Net operating income to assets | -0.9012% | 6,841 |
| Return on assets (ROA) | -0.6509% | 6,764 |
| Pretax return on assets | -0.6505% | 6,708 |
| Return on Equity (ROE) | -8.4952% | 6,838 |
| Retained earnings to average equity (ytd only) | -8.4952% | 6,790 |
| Net charge-offs to loans | 2.4369% | 455 |
| Credit loss provision to net charge-offs | 101.8830% | 3,288 |
| Earnings coverage of net charge-offs (x) | 0.5771% | 5,189 |
| Efficiency ratio | 69.5323% | 4,032 |
| Assets per employee ($millions) | 3.6801% | 4,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6567% | 1,189 |
| Loan loss allowance to noncurrent loans | 29.2917% | 6,295 |
| Noncurrent assets plus other real estate owned to assets | 9.9725% | 358 |
| Noncurrent loans to loans | 9.0698% | 424 |
| Net loans and leases to total assets | 77.5063% | 766 |
| Net loans and leases to deposits | 85.8143% | 1,709 |
| Net loans and leases to core deposits | 89.1902% | 2,341 |
| Total domestic deposits to total assets | 90.3186% | 711 |
| Equity capital to assets | 7.3593% | 6,965 |
| Core capital (leverage) ratio | 7.0239% | 6,955 |
| Tier 1 risk-based capital ratio | 9.3740% | 7,069 |
| Total risk-based capital ratio | 10.6436% | 7,066 |
| Memoranda: | ||
| Average total assets | $642,381,750 | 1,012 |
| Average earning assets | $600,584,000 | 983 |
| Average equity | $49,218,500 | 1,388 |
| Average total loans | $537,554,500 | 791 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0518% | 2,916 |
| Cost of funding earning assets | 0.8610% | 4,976 |
| Net interest margin | 4.1908% | 2,074 |
| Noninterest income to average assets | 0.2318% | 5,992 |
| Noninterest expense to average assets | 2.6035% | 5,168 |
| Loan and lease loss provision to assets | 0.6263% | 1,527 |
| Net operating income to assets | 0.9164% | 2,563 |
| Return on assets (ROA) | 0.9164% | 2,664 |
| Pretax return on assets | 0.9164% | 3,559 |
| Return on Equity (ROE) | 11.8050% | 1,550 |
| Retained earnings to average equity (ytd only) | 11.8050% | 542 |
| Net charge-offs to loans | 1.4657% | 1,020 |
| Credit loss provision to net charge-offs | 50.2500% | 4,575 |
| Earnings coverage of net charge-offs (x) | 1.2378% | 4,361 |
| Efficiency ratio | 62.7762% | 5,439 |
| Assets per employee ($millions) | 3.6440% | 4,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1362% | 2,041 |
| Loan loss allowance to noncurrent loans | 29.8615% | 6,269 |
| Noncurrent assets plus other real estate owned to assets | 8.7459% | 487 |
| Noncurrent loans to loans | 7.1538% | 704 |
| Net loans and leases to total assets | 82.2405% | 352 |
| Net loans and leases to deposits | 92.2084% | 1,034 |
| Net loans and leases to core deposits | 96.2200% | 1,658 |
| Total domestic deposits to total assets | 89.1898% | 1,425 |
| Equity capital to assets | 8.1325% | 6,566 |
| Core capital (leverage) ratio | 7.9686% | 6,340 |
| Tier 1 risk-based capital ratio | 10.1587% | 6,934 |
| Total risk-based capital ratio | 11.4214% | 6,913 |
| Memoranda: | ||
| Average total assets | $641,836,000 | 1,023 |
| Average earning assets | $599,507,330 | 995 |
| Average equity | $49,826,330 | 1,352 |
| Average total loans | $545,813,330 | 786 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1188% | 2,563 |
| Cost of funding earning assets | 0.8836% | 5,036 |
| Net interest margin | 4.2352% | 1,794 |
| Noninterest income to average assets | 0.2292% | 6,085 |
| Noninterest expense to average assets | 2.5140% | 5,507 |
| Loan and lease loss provision to assets | 0.3106% | 2,685 |
| Net operating income to assets | 1.3648% | 1,129 |
| Return on assets (ROA) | 1.3648% | 1,179 |
| Pretax return on assets | 1.3648% | 1,829 |
| Return on Equity (ROE) | 18.0049% | 484 |
| Retained earnings to average equity (ytd only) | 18.0049% | 241 |
| Net charge-offs to loans | 1.2651% | 1,095 |
| Credit loss provision to net charge-offs | 28.7026% | 4,140 |
| Earnings coverage of net charge-offs (x) | 1.5482% | 3,549 |
| Efficiency ratio | 59.9941% | 5,983 |
| Assets per employee ($millions) | 3.6612% | 4,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2276% | 1,900 |
| Loan loss allowance to noncurrent loans | 33.8561% | 6,040 |
| Noncurrent assets plus other real estate owned to assets | 7.9576% | 599 |
| Noncurrent loans to loans | 6.5795% | 895 |
| Net loans and leases to total assets | 83.0743% | 269 |
| Net loans and leases to deposits | 93.1709% | 903 |
| Net loans and leases to core deposits | 98.0024% | 1,526 |
| Total domestic deposits to total assets | 89.1633% | 1,668 |
| Equity capital to assets | 7.7527% | 6,708 |
| Core capital (leverage) ratio | 7.7983% | 6,465 |
| Tier 1 risk-based capital ratio | 9.8437% | 7,055 |
| Total risk-based capital ratio | 11.1077% | 7,055 |
| Memoranda: | ||
| Average total assets | $643,902,000 | 1,029 |
| Average earning assets | $602,097,500 | 997 |
| Average equity | $48,809,000 | 1,366 |
| Average total loans | $550,770,500 | 791 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4175% | 2,595 |
| Cost of funding earning assets | 1.5458% | 2,371 |
| Net interest margin | 3.8717% | 3,630 |
| Noninterest income to average assets | -0.0165% | 7,317 |
| Noninterest expense to average assets | 2.3894% | 6,112 |
| Loan and lease loss provision to assets | 1.9559% | 682 |
| Net operating income to assets | -0.7272% | 6,535 |
| Return on assets (ROA) | -0.6822% | 6,541 |
| Pretax return on assets | -0.6815% | 6,446 |
| Return on Equity (ROE) | -8.2536% | 6,641 |
| Retained earnings to average equity (ytd only) | -14.2030% | 6,851 |
| Net charge-offs to loans | 1.7851% | 1,184 |
| Credit loss provision to net charge-offs | 128.7017% | 3,103 |
| Earnings coverage of net charge-offs (x) | 0.8090% | 5,321 |
| Efficiency ratio | 66.0064% | 4,968 |
| Assets per employee ($millions) | 3.6979% | 4,468 |
| Cash dividends to net income (ytd only)* | -72.0839% | 7,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4255% | 1,513 |
| Loan loss allowance to noncurrent loans | 38.5463% | 5,729 |
| Noncurrent assets plus other real estate owned to assets | 7.8600% | 643 |
| Noncurrent loans to loans | 6.2923% | 971 |
| Net loans and leases to total assets | 84.0181% | 305 |
| Net loans and leases to deposits | 93.2481% | 1,125 |
| Net loans and leases to core deposits | 99.3146% | 1,672 |
| Total domestic deposits to total assets | 90.1017% | 1,033 |
| Equity capital to assets | 7.4074% | 6,934 |
| Core capital (leverage) ratio | 7.1221% | 6,958 |
| Tier 1 risk-based capital ratio | 9.3465% | 7,172 |
| Total risk-based capital ratio | 10.6133% | 7,173 |
| Memoranda: | ||
| Average total assets | $671,042,600 | 988 |
| Average earning assets | $630,090,200 | 957 |
| Average equity | $55,467,000 | 1,205 |
| Average total loans | $571,275,200 | 786 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4497% | 2,646 |
| Cost of funding earning assets | 1.6734% | 1,993 |
| Net interest margin | 3.7763% | 4,071 |
| Noninterest income to average assets | 0.0336% | 7,356 |
| Noninterest expense to average assets | 2.2886% | 6,361 |
| Loan and lease loss provision to assets | 0.9489% | 1,577 |
| Net operating income to assets | 0.3450% | 4,993 |
| Return on assets (ROA) | 0.3524% | 5,130 |
| Pretax return on assets | 0.3532% | 5,358 |
| Return on Equity (ROE) | 4.1612% | 4,696 |
| Retained earnings to average equity (ytd only) | -3.5017% | 6,408 |
| Net charge-offs to loans | 1.1205% | 1,820 |
| Credit loss provision to net charge-offs | 99.7519% | 4,375 |
| Earnings coverage of net charge-offs (x) | 1.3610% | 4,717 |
| Efficiency ratio | 63.8474% | 5,269 |
| Assets per employee ($millions) | 4.0159% | 3,798 |
| Cash dividends to net income (ytd only)* | 184.1521% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8570% | 2,604 |
| Loan loss allowance to noncurrent loans | 33.2257% | 6,111 |
| Noncurrent assets plus other real estate owned to assets | 6.5351% | 866 |
| Noncurrent loans to loans | 5.5890% | 1,179 |
| Net loans and leases to total assets | 80.3329% | 691 |
| Net loans and leases to deposits | 90.4515% | 1,659 |
| Net loans and leases to core deposits | 98.0783% | 2,032 |
| Total domestic deposits to total assets | 88.8132% | 1,499 |
| Equity capital to assets | 8.3509% | 6,451 |
| Core capital (leverage) ratio | 7.9088% | 6,452 |
| Tier 1 risk-based capital ratio | 10.3251% | 6,881 |
| Total risk-based capital ratio | 11.5842% | 6,873 |
| Memoranda: | ||
| Average total assets | $677,944,250 | 986 |
| Average earning assets | $637,255,000 | 957 |
| Average equity | $57,418,250 | 1,158 |
| Average total loans | $575,583,750 | 788 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5229% | 2,431 |
| Cost of funding earning assets | 1.7606% | 1,815 |
| Net interest margin | 3.7624% | 4,080 |
| Noninterest income to average assets | 0.3637% | 5,228 |
| Noninterest expense to average assets | 2.2634% | 6,466 |
| Loan and lease loss provision to assets | 0.5195% | 2,711 |
| Net operating income to assets | 1.1171% | 1,794 |
| Return on assets (ROA) | 1.1284% | 1,834 |
| Pretax return on assets | 1.1290% | 2,676 |
| Return on Equity (ROE) | 13.2600% | 1,182 |
| Retained earnings to average equity (ytd only) | 3.4920% | 3,883 |
| Net charge-offs to loans | -0.1696% | 7,625 |
| Credit loss provision to net charge-offs | -356.4155% | 6,783 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0029% | 6,373 |
| Assets per employee ($millions) | 3.9987% | 3,773 |
| Cash dividends to net income (ytd only)* | 73.6648% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1732% | 1,820 |
| Loan loss allowance to noncurrent loans | 42.0844% | 5,521 |
| Noncurrent assets plus other real estate owned to assets | 6.2172% | 925 |
| Noncurrent loans to loans | 5.1638% | 1,325 |
| Net loans and leases to total assets | 83.9512% | 359 |
| Net loans and leases to deposits | 94.6536% | 1,193 |
| Net loans and leases to core deposits | 103.1509% | 1,720 |
| Total domestic deposits to total assets | 88.6931% | 1,607 |
| Equity capital to assets | 8.5229% | 6,135 |
| Core capital (leverage) ratio | 8.4019% | 5,581 |
| Tier 1 risk-based capital ratio | 10.4565% | 6,717 |
| Total risk-based capital ratio | 11.7200% | 6,691 |
| Memoranda: | ||
| Average total assets | $673,683,330 | 1,001 |
| Average earning assets | $633,322,670 | 966 |
| Average equity | $57,330,330 | 1,152 |
| Average total loans | $578,985,000 | 786 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5856% | 2,215 |
| Cost of funding earning assets | 1.7838% | 1,944 |
| Net interest margin | 3.8019% | 3,788 |
| Noninterest income to average assets | 0.4020% | 4,903 |
| Noninterest expense to average assets | 2.1255% | 6,874 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.8485% | 448 |
| Return on assets (ROA) | 1.8485% | 494 |
| Pretax return on assets | 1.8491% | 808 |
| Return on Equity (ROE) | 21.7389% | 286 |
| Retained earnings to average equity (ytd only) | 14.7037% | 438 |
| Net charge-offs to loans | -1.0294% | 7,853 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4618% | 7,023 |
| Assets per employee ($millions) | 3.9452% | 4,005 |
| Cash dividends to net income (ytd only)* | 32.3625% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0832% | 1,990 |
| Loan loss allowance to noncurrent loans | 92.0826% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 3.8294% | 1,815 |
| Noncurrent loans to loans | 2.2623% | 3,441 |
| Net loans and leases to total assets | 84.5316% | 328 |
| Net loans and leases to deposits | 94.6327% | 1,279 |
| Net loans and leases to core deposits | 103.1033% | 1,814 |
| Total domestic deposits to total assets | 89.3260% | 1,348 |
| Equity capital to assets | 8.7070% | 5,718 |
| Core capital (leverage) ratio | 8.6619% | 5,091 |
| Tier 1 risk-based capital ratio | 10.7871% | 6,357 |
| Total risk-based capital ratio | 12.0492% | 6,326 |
| Memoranda: | ||
| Average total assets | $668,635,500 | 1,034 |
| Average earning assets | $628,324,500 | 996 |
| Average equity | $56,856,500 | 1,166 |
| Average total loans | $575,081,000 | 812 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7813% | 2,736 |
| Cost of funding earning assets | 2.0817% | 2,561 |
| Net interest margin | 3.6996% | 4,145 |
| Noninterest income to average assets | 0.3684% | 5,457 |
| Noninterest expense to average assets | 2.2713% | 6,822 |
| Loan and lease loss provision to assets | 0.8155% | 2,685 |
| Net operating income to assets | 0.7850% | 2,589 |
| Return on assets (ROA) | 0.7850% | 2,677 |
| Pretax return on assets | 0.7858% | 3,293 |
| Return on Equity (ROE) | 9.2367% | 1,943 |
| Retained earnings to average equity (ytd only) | 6.9400% | 980 |
| Net charge-offs to loans | 0.8482% | 2,708 |
| Credit loss provision to net charge-offs | 106.3327% | 5,213 |
| Earnings coverage of net charge-offs (x) | 2.0880% | 4,168 |
| Efficiency ratio | 58.5185% | 6,694 |
| Assets per employee ($millions) | 3.9212% | 3,975 |
| Cash dividends to net income (ytd only)* | 24.8657% | 3,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8294% | 2,451 |
| Loan loss allowance to noncurrent loans | 103.1603% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 3.4080% | 1,984 |
| Noncurrent loans to loans | 1.7733% | 3,975 |
| Net loans and leases to total assets | 84.1205% | 418 |
| Net loans and leases to deposits | 94.0281% | 1,594 |
| Net loans and leases to core deposits | 108.2531% | 3,079 |
| Total domestic deposits to total assets | 89.4631% | 1,232 |
| Equity capital to assets | 8.3009% | 6,193 |
| Core capital (leverage) ratio | 8.4753% | 5,313 |
| Tier 1 risk-based capital ratio | 10.3060% | 6,582 |
| Total risk-based capital ratio | 11.5644% | 6,546 |
| Memoranda: | ||
| Average total assets | $640,380,200 | 1,080 |
| Average earning assets | $606,560,200 | 1,033 |
| Average equity | $54,424,000 | 1,211 |
| Average total loans | $578,961,400 | 824 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7750% | 3,004 |
| Cost of funding earning assets | 2.1257% | 2,770 |
| Net interest margin | 3.6494% | 4,277 |
| Noninterest income to average assets | 0.3396% | 5,777 |
| Noninterest expense to average assets | 2.2269% | 6,906 |
| Loan and lease loss provision to assets | 0.8663% | 2,218 |
| Net operating income to assets | 0.7106% | 3,165 |
| Return on assets (ROA) | 0.7106% | 3,233 |
| Pretax return on assets | 0.7115% | 3,817 |
| Return on Equity (ROE) | 8.3105% | 2,513 |
| Retained earnings to average equity (ytd only) | 5.2307% | 2,353 |
| Net charge-offs to loans | 1.0022% | 1,967 |
| Credit loss provision to net charge-offs | 94.3119% | 5,361 |
| Earnings coverage of net charge-offs (x) | 1.7177% | 4,511 |
| Efficiency ratio | 58.3587% | 6,670 |
| Assets per employee ($millions) | 3.8236% | 4,143 |
| Cash dividends to net income (ytd only)* | 37.0591% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7301% | 2,523 |
| Loan loss allowance to noncurrent loans | 85.9710% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 2.9053% | 2,384 |
| Noncurrent loans to loans | 2.0125% | 3,623 |
| Net loans and leases to total assets | 87.4761% | 236 |
| Net loans and leases to deposits | 97.6415% | 1,366 |
| Net loans and leases to core deposits | 115.1765% | 2,704 |
| Total domestic deposits to total assets | 89.5891% | 927 |
| Equity capital to assets | 8.4325% | 6,341 |
| Core capital (leverage) ratio | 8.4147% | 5,647 |
| Tier 1 risk-based capital ratio | 9.9884% | 6,994 |
| Total risk-based capital ratio | 11.2456% | 6,941 |
| Memoranda: | ||
| Average total assets | $632,842,500 | 1,112 |
| Average earning assets | $600,893,500 | 1,057 |
| Average equity | $54,115,000 | 1,234 |
| Average total loans | $580,060,500 | 837 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8258% | 2,928 |
| Cost of funding earning assets | 2.1564% | 3,006 |
| Net interest margin | 3.6694% | 4,087 |
| Noninterest income to average assets | 0.3762% | 5,499 |
| Noninterest expense to average assets | 2.2457% | 6,930 |
| Loan and lease loss provision to assets | 0.6722% | 2,417 |
| Net operating income to assets | 0.9402% | 2,308 |
| Return on assets (ROA) | 0.9402% | 2,404 |
| Pretax return on assets | 0.9411% | 3,205 |
| Return on Equity (ROE) | 10.9428% | 1,713 |
| Retained earnings to average equity (ytd only) | 10.9428% | 571 |
| Net charge-offs to loans | 1.3667% | 1,370 |
| Credit loss provision to net charge-offs | 53.1321% | 5,718 |
| Earnings coverage of net charge-offs (x) | 1.2752% | 4,572 |
| Efficiency ratio | 58.0206% | 6,865 |
| Assets per employee ($millions) | 3.7190% | 4,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4366% | 3,537 |
| Loan loss allowance to noncurrent loans | 69.6200% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 2.8038% | 2,292 |
| Noncurrent loans to loans | 2.0635% | 3,433 |
| Net loans and leases to total assets | 91.5501% | 67 |
| Net loans and leases to deposits | 102.8021% | 1,012 |
| Net loans and leases to core deposits | 120.8756% | 2,286 |
| Total domestic deposits to total assets | 89.0547% | 1,240 |
| Equity capital to assets | 8.8166% | 5,572 |
| Core capital (leverage) ratio | 8.7548% | 4,997 |
| Tier 1 risk-based capital ratio | 10.0232% | 6,891 |
| Total risk-based capital ratio | 11.2765% | 6,821 |
| Memoranda: | ||
| Average total assets | $628,393,000 | 1,133 |
| Average earning assets | $596,453,670 | 1,083 |
| Average equity | $53,990,000 | 1,246 |
| Average total loans | $581,675,670 | 855 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8276% | 3,158 |
| Cost of funding earning assets | 2.1746% | 3,301 |
| Net interest margin | 3.6530% | 4,085 |
| Noninterest income to average assets | 0.3834% | 5,353 |
| Noninterest expense to average assets | 2.0019% | 7,346 |
| Loan and lease loss provision to assets | 0.3885% | 2,996 |
| Net operating income to assets | 1.4630% | 1,008 |
| Return on assets (ROA) | 1.4630% | 1,083 |
| Pretax return on assets | 1.4637% | 1,771 |
| Return on Equity (ROE) | 17.2522% | 666 |
| Retained earnings to average equity (ytd only) | 17.2522% | 263 |
| Net charge-offs to loans | 0.8888% | 1,476 |
| Credit loss provision to net charge-offs | 47.2952% | 4,720 |
| Earnings coverage of net charge-offs (x) | 2.2550% | 3,607 |
| Efficiency ratio | 51.7787% | 7,440 |
| Assets per employee ($millions) | 3.8363% | 4,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6349% | 2,384 |
| Loan loss allowance to noncurrent loans | 76.0649% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 2.6803% | 2,127 |
| Noncurrent loans to loans | 2.1493% | 3,053 |
| Net loans and leases to total assets | 91.0228% | 98 |
| Net loans and leases to deposits | 104.2577% | 992 |
| Net loans and leases to core deposits | 137.8636% | 1,209 |
| Total domestic deposits to total assets | 87.3056% | 2,067 |
| Equity capital to assets | 8.6657% | 5,815 |
| Core capital (leverage) ratio | 8.4878% | 5,563 |
| Tier 1 risk-based capital ratio | 9.8225% | 7,114 |
| Total risk-based capital ratio | 11.0782% | 7,023 |
| Memoranda: | ||
| Average total assets | $630,195,500 | 1,133 |
| Average earning assets | $598,739,000 | 1,075 |
| Average equity | $53,442,500 | 1,265 |
| Average total loans | $582,348,000 | 855 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5572% | 2,683 |
| Cost of funding earning assets | 2.7806% | 2,782 |
| Net interest margin | 3.7766% | 4,117 |
| Noninterest income to average assets | 0.3715% | 5,730 |
| Noninterest expense to average assets | 2.0750% | 7,290 |
| Loan and lease loss provision to assets | 2.0382% | 584 |
| Net operating income to assets | -0.1470% | 6,556 |
| Return on assets (ROA) | -0.1470% | 6,403 |
| Pretax return on assets | -0.1462% | 6,317 |
| Return on Equity (ROE) | -1.7609% | 6,473 |
| Retained earnings to average equity (ytd only) | -4.6667% | 6,456 |
| Net charge-offs to loans | 1.3163% | 903 |
| Credit loss provision to net charge-offs | 168.3494% | 3,056 |
| Earnings coverage of net charge-offs (x) | 1.5628% | 5,316 |
| Efficiency ratio | 52.1438% | 7,472 |
| Assets per employee ($millions) | 3.7352% | 4,094 |
| Cash dividends to net income (ytd only)* | -165.0165% | 8,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7510% | 1,759 |
| Loan loss allowance to noncurrent loans | 73.2653% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 2.6239% | 1,823 |
| Noncurrent loans to loans | 2.3900% | 2,299 |
| Net loans and leases to total assets | 90.6640% | 153 |
| Net loans and leases to deposits | 106.4306% | 1,086 |
| Net loans and leases to core deposits | 129.9831% | 1,855 |
| Total domestic deposits to total assets | 85.1860% | 2,757 |
| Equity capital to assets | 8.2956% | 6,431 |
| Core capital (leverage) ratio | 8.0884% | 6,342 |
| Tier 1 risk-based capital ratio | 9.3627% | 7,447 |
| Total risk-based capital ratio | 10.6199% | 7,368 |
| Memoranda: | ||
| Average total assets | $618,500,200 | 1,082 |
| Average earning assets | $588,836,800 | 1,047 |
| Average equity | $51,621,200 | 1,305 |
| Average total loans | $568,853,200 | 836 |