Home > First Bank Elk River > Performance and Condition Ratios
First Bank Elk River, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1125% | 3,777 |
| Cost of funding earning assets | 0.7905% | 3,763 |
| Net interest margin | 3.3219% | 2,573 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 2.5844% | 2,053 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.9226% | 2,478 |
| Return on assets (ROA) | 0.9226% | 2,447 |
| Pretax return on assets | 0.9226% | 2,902 |
| Return on Equity (ROE) | 17.5500% | 885 |
| Retained earnings to average equity (ytd only) | 9.2872% | 1,189 |
| Net charge-offs to loans | -0.0004% | 3,541 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 73.3591% | 1,520 |
| Assets per employee ($millions) | 7.5887% | 1,667 |
| Cash dividends to net income (ytd only)* | 47.0751% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9602% | 3,489 |
| Loan loss allowance to noncurrent loans | 1,731.6901% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.0398% | 3,351 |
| Noncurrent loans to loans | 0.0554% | 3,326 |
| Net loans and leases to total assets | 71.1100% | 1,683 |
| Net loans and leases to deposits | 96.0518% | 781 |
| Net loans and leases to core deposits | 111.0886% | 917 |
| Total domestic deposits to total assets | 74.0400% | 4,101 |
| Equity capital to assets | 5.8974% | 4,253 |
| Core capital (leverage) ratio | 9.5457% | 3,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3852% | 2,460 |
| Memoranda: | ||
| Average total assets | $352,034,800 | 2,189 |
| Average earning assets | $328,513,600 | 2,183 |
| Average equity | $18,509,400 | 2,973 |
| Average total loans | $244,591,000 | 2,036 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1333% | 3,597 |
| Cost of funding earning assets | 0.6963% | 3,773 |
| Net interest margin | 3.4370% | 2,373 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 2.6516% | 1,797 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.9713% | 2,445 |
| Return on assets (ROA) | 0.9713% | 2,439 |
| Pretax return on assets | 0.9713% | 2,928 |
| Return on Equity (ROE) | 19.0600% | 814 |
| Retained earnings to average equity (ytd only) | 7.6590% | 2,089 |
| Net charge-offs to loans | -0.0006% | 3,442 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.8164% | 1,472 |
| Assets per employee ($millions) | 7.4723% | 1,646 |
| Cash dividends to net income (ytd only)* | 59.8200% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9709% | 3,496 |
| Loan loss allowance to noncurrent loans | 6,138.4615% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.0113% | 3,743 |
| Noncurrent loans to loans | 0.0158% | 3,673 |
| Net loans and leases to total assets | 71.0400% | 1,693 |
| Net loans and leases to deposits | 87.1452% | 1,460 |
| Net loans and leases to core deposits | 97.7377% | 1,460 |
| Total domestic deposits to total assets | 81.5200% | 3,304 |
| Equity capital to assets | 4.3701% | 4,355 |
| Core capital (leverage) ratio | 9.3656% | 3,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4718% | 2,457 |
| Memoranda: | ||
| Average total assets | $350,876,500 | 2,195 |
| Average earning assets | $327,256,250 | 2,193 |
| Average equity | $17,878,250 | 3,013 |
| Average total loans | $241,713,500 | 2,050 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0495% | 3,589 |
| Cost of funding earning assets | 0.5136% | 3,955 |
| Net interest margin | 3.5359% | 2,189 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 2.7085% | 1,619 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.9868% | 2,463 |
| Return on assets (ROA) | 0.9868% | 2,451 |
| Pretax return on assets | 0.9868% | 2,954 |
| Return on Equity (ROE) | 18.5100% | 892 |
| Retained earnings to average equity (ytd only) | 7.5834% | 2,100 |
| Net charge-offs to loans | -0.0017% | 3,508 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.7494% | 1,484 |
| Assets per employee ($millions) | 7.4158% | 1,648 |
| Cash dividends to net income (ytd only)* | 59.0361% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9535% | 3,600 |
| Loan loss allowance to noncurrent loans | 5,841.4634% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.0115% | 3,730 |
| Noncurrent loans to loans | 0.0163% | 3,652 |
| Net loans and leases to total assets | 69.8900% | 1,756 |
| Net loans and leases to deposits | 90.3155% | 1,166 |
| Net loans and leases to core deposits | 100.5736% | 1,205 |
| Total domestic deposits to total assets | 77.3900% | 3,909 |
| Equity capital to assets | 5.3138% | 4,327 |
| Core capital (leverage) ratio | 9.3092% | 3,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2257% | 2,561 |
| Memoranda: | ||
| Average total assets | $353,260,000 | 2,190 |
| Average earning assets | $329,819,000 | 2,189 |
| Average equity | $18,830,667 | 2,962 |
| Average total loans | $240,091,333 | 2,049 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0148% | 3,423 |
| Cost of funding earning assets | 0.2261% | 4,335 |
| Net interest margin | 3.7886% | 1,714 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 2.8246% | 1,387 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1242% | 2,147 |
| Return on assets (ROA) | 1.1242% | 2,114 |
| Pretax return on assets | 1.1242% | 2,645 |
| Return on Equity (ROE) | 21.0600% | 657 |
| Retained earnings to average equity (ytd only) | -0.8516% | 4,113 |
| Net charge-offs to loans | -0.0017% | 3,394 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.5314% | 1,575 |
| Assets per employee ($millions) | 7.2284% | 1,799 |
| Cash dividends to net income (ytd only)* | 104.0445% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9650% | 3,653 |
| Loan loss allowance to noncurrent loans | 11,745.0000% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0058% | 3,835 |
| Noncurrent loans to loans | 0.0082% | 3,774 |
| Net loans and leases to total assets | 69.4800% | 1,674 |
| Net loans and leases to deposits | 84.2819% | 1,477 |
| Net loans and leases to core deposits | 87.7834% | 1,757 |
| Total domestic deposits to total assets | 82.4400% | 3,416 |
| Equity capital to assets | 5.5761% | 4,324 |
| Core capital (leverage) ratio | 9.1184% | 3,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3562% | 2,616 |
| Memoranda: | ||
| Average total assets | $351,910,000 | 2,224 |
| Average earning assets | $328,986,000 | 2,221 |
| Average equity | $18,788,500 | 2,996 |
| Average total loans | $234,542,500 | 2,099 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2875% | 3,614 |
| Cost of funding earning assets | 0.2122% | 3,659 |
| Net interest margin | 3.0753% | 3,243 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 2.3599% | 2,545 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.9799% | 2,641 |
| Return on assets (ROA) | 0.9799% | 2,589 |
| Pretax return on assets | 0.9799% | 3,132 |
| Return on Equity (ROE) | 16.1400% | 1,031 |
| Retained earnings to average equity (ytd only) | 7.0956% | 2,199 |
| Net charge-offs to loans | -0.0262% | 4,157 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.1468% | 1,667 |
| Assets per employee ($millions) | 7.9302% | 1,359 |
| Cash dividends to net income (ytd only)* | 56.0282% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9332% | 3,657 |
| Loan loss allowance to noncurrent loans | 10,028.5714% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 3,859 |
| Noncurrent loans to loans | 0.0093% | 3,787 |
| Net loans and leases to total assets | 62.6500% | 2,367 |
| Net loans and leases to deposits | 73.5486% | 2,288 |
| Net loans and leases to core deposits | 76.7515% | 2,369 |
| Total domestic deposits to total assets | 85.1800% | 2,945 |
| Equity capital to assets | 5.1085% | 4,337 |
| Core capital (leverage) ratio | 8.6034% | 4,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0491% | 2,351 |
| Memoranda: | ||
| Average total assets | $376,670,000 | 2,115 |
| Average earning assets | $354,888,400 | 2,093 |
| Average equity | $22,873,400 | 2,710 |
| Average total loans | $214,129,800 | 2,139 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1553% | 3,548 |
| Cost of funding earning assets | 0.2249% | 2,986 |
| Net interest margin | 2.9304% | 3,411 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 2.3429% | 2,502 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.8804% | 2,964 |
| Return on assets (ROA) | 0.8804% | 2,933 |
| Pretax return on assets | 0.8804% | 3,378 |
| Return on Equity (ROE) | 13.9800% | 1,436 |
| Retained earnings to average equity (ytd only) | 9.1645% | 1,594 |
| Net charge-offs to loans | -0.0347% | 4,187 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.3331% | 1,472 |
| Assets per employee ($millions) | 8.0409% | 1,303 |
| Cash dividends to net income (ytd only)* | 34.4444% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9532% | 3,681 |
| Loan loss allowance to noncurrent loans | 9,354.5455% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.0058% | 3,952 |
| Noncurrent loans to loans | 0.0102% | 3,870 |
| Net loans and leases to total assets | 56.5900% | 2,843 |
| Net loans and leases to deposits | 65.3374% | 2,766 |
| Net loans and leases to core deposits | 68.2706% | 2,778 |
| Total domestic deposits to total assets | 86.6100% | 2,882 |
| Equity capital to assets | 4.5740% | 4,383 |
| Core capital (leverage) ratio | 8.6824% | 3,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5285% | 2,251 |
| Memoranda: | ||
| Average total assets | $381,622,750 | 2,114 |
| Average earning assets | $360,489,250 | 2,080 |
| Average equity | $24,034,250 | 2,685 |
| Average total loans | $211,244,000 | 2,161 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0205% | 3,506 |
| Cost of funding earning assets | 0.2488% | 2,288 |
| Net interest margin | 2.7717% | 3,522 |
| Noninterest income to average assets | 0.4660% | 2,369 |
| Noninterest expense to average assets | 2.3774% | 2,310 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7136% | 3,260 |
| Return on assets (ROA) | 0.7136% | 3,213 |
| Pretax return on assets | 0.7136% | 3,542 |
| Return on Equity (ROE) | 10.3943% | 2,192 |
| Retained earnings to average equity (ytd only) | 3.7894% | 3,165 |
| Net charge-offs to loans | -0.0696% | 4,348 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9140% | 1,184 |
| Assets per employee ($millions) | 7.9672% | 1,328 |
| Cash dividends to net income (ytd only)* | 63.5432% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9393% | 3,835 |
| Loan loss allowance to noncurrent loans | 3,626.7857% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.0153% | 3,866 |
| Noncurrent loans to loans | 0.0259% | 3,763 |
| Net loans and leases to total assets | 58.4475% | 2,477 |
| Net loans and leases to deposits | 68.5921% | 2,337 |
| Net loans and leases to core deposits | 72.4731% | 2,287 |
| Total domestic deposits to total assets | 85.2103% | 3,435 |
| Equity capital to assets | 5.8694% | 4,246 |
| Core capital (leverage) ratio | 8.3071% | 4,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2189% | 2,403 |
| Memoranda: | ||
| Average total assets | $382,856,333 | 2,117 |
| Average earning assets | $362,588,000 | 2,091 |
| Average equity | $26,283,667 | 2,624 |
| Average total loans | $209,687,000 | 2,172 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9442% | 3,419 |
| Cost of funding earning assets | 0.2748% | 1,882 |
| Net interest margin | 2.6694% | 3,480 |
| Noninterest income to average assets | 0.4409% | 2,440 |
| Noninterest expense to average assets | 2.3844% | 2,223 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5902% | 3,425 |
| Return on assets (ROA) | 0.5902% | 3,407 |
| Pretax return on assets | 0.5902% | 3,662 |
| Return on Equity (ROE) | 8.0502% | 2,672 |
| Retained earnings to average equity (ytd only) | -4.0600% | 4,375 |
| Net charge-offs to loans | -0.1085% | 4,479 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1582% | 1,140 |
| Assets per employee ($millions) | 7.9459% | 1,401 |
| Cash dividends to net income (ytd only)* | 150.4333% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9640% | 3,863 |
| Loan loss allowance to noncurrent loans | 2,486.4198% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 3,832 |
| Noncurrent loans to loans | 0.0388% | 3,697 |
| Net loans and leases to total assets | 54.2505% | 2,724 |
| Net loans and leases to deposits | 66.8143% | 2,262 |
| Net loans and leases to core deposits | 71.1891% | 2,181 |
| Total domestic deposits to total assets | 81.1958% | 4,181 |
| Equity capital to assets | 6.6562% | 4,360 |
| Core capital (leverage) ratio | 8.0977% | 4,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4302% | 2,432 |
| Memoranda: | ||
| Average total assets | $391,039,000 | 2,090 |
| Average earning assets | $371,173,500 | 2,069 |
| Average equity | $28,670,000 | 2,554 |
| Average total loans | $206,412,500 | 2,187 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9795% | 3,906 |
| Cost of funding earning assets | 0.3767% | 1,706 |
| Net interest margin | 2.6028% | 4,043 |
| Noninterest income to average assets | 0.5553% | 2,339 |
| Noninterest expense to average assets | 2.1675% | 3,183 |
| Loan and lease loss provision to assets | 0.0195% | 2,679 |
| Net operating income to assets | 0.8146% | 3,286 |
| Return on assets (ROA) | 0.8146% | 3,356 |
| Pretax return on assets | 0.8146% | 3,695 |
| Return on Equity (ROE) | 9.7479% | 2,620 |
| Retained earnings to average equity (ytd only) | 6.0131% | 2,356 |
| Net charge-offs to loans | -0.0037% | 3,482 |
| Credit loss provision to net charge-offs | -937.5000% | 3,906 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2097% | 1,492 |
| Assets per employee ($millions) | 8.3474% | 1,148 |
| Cash dividends to net income (ytd only)* | 38.3142% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9603% | 3,904 |
| Loan loss allowance to noncurrent loans | 52.1161% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 0.9377% | 606 |
| Noncurrent loans to loans | 1.8426% | 448 |
| Net loans and leases to total assets | 50.4000% | 3,236 |
| Net loans and leases to deposits | 64.6434% | 2,631 |
| Net loans and leases to core deposits | 68.8284% | 2,572 |
| Total domestic deposits to total assets | 77.9661% | 4,394 |
| Equity capital to assets | 7.9748% | 4,374 |
| Core capital (leverage) ratio | 7.9966% | 4,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0096% | 2,248 |
| Memoranda: | ||
| Average total assets | $384,459,600 | 2,045 |
| Average earning assets | $361,341,800 | 2,038 |
| Average equity | $32,130,000 | 2,417 |
| Average total loans | $215,521,000 | 2,136 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0901% | 3,834 |
| Cost of funding earning assets | 0.3892% | 1,783 |
| Net interest margin | 2.7009% | 3,969 |
| Noninterest income to average assets | 0.5499% | 2,408 |
| Noninterest expense to average assets | 2.2610% | 2,860 |
| Loan and lease loss provision to assets | 0.0263% | 2,474 |
| Net operating income to assets | 0.7921% | 3,542 |
| Return on assets (ROA) | 0.7921% | 3,610 |
| Pretax return on assets | 0.7921% | 3,906 |
| Return on Equity (ROE) | 9.3654% | 2,978 |
| Retained earnings to average equity (ytd only) | 9.3654% | 1,547 |
| Net charge-offs to loans | 0.0018% | 2,339 |
| Credit loss provision to net charge-offs | 2,500.0000% | 275 |
| Earnings coverage of net charge-offs (x) | 778.3333% | 204 |
| Efficiency ratio | 73.4236% | 1,267 |
| Assets per employee ($millions) | 8.2321% | 1,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9323% | 4,063 |
| Loan loss allowance to noncurrent loans | 37.8794% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 1.3008% | 436 |
| Noncurrent loans to loans | 2.4612% | 305 |
| Net loans and leases to total assets | 52.3588% | 3,166 |
| Net loans and leases to deposits | 67.9774% | 2,435 |
| Net loans and leases to core deposits | 72.5036% | 2,381 |
| Total domestic deposits to total assets | 77.0238% | 4,493 |
| Equity capital to assets | 8.3238% | 4,322 |
| Core capital (leverage) ratio | 8.4277% | 4,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4008% | 2,204 |
| Memoranda: | ||
| Average total assets | $380,406,250 | 2,079 |
| Average earning assets | $356,270,500 | 2,074 |
| Average equity | $32,174,250 | 2,450 |
| Average total loans | $218,427,000 | 2,144 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0263% | 3,994 |
| Cost of funding earning assets | 0.4044% | 1,851 |
| Net interest margin | 2.6219% | 4,128 |
| Noninterest income to average assets | 0.5774% | 2,306 |
| Noninterest expense to average assets | 2.2610% | 2,877 |
| Loan and lease loss provision to assets | 0.0133% | 2,687 |
| Net operating income to assets | 0.7585% | 3,618 |
| Return on assets (ROA) | 0.7585% | 3,684 |
| Pretax return on assets | 0.7585% | 3,952 |
| Return on Equity (ROE) | 8.9180% | 3,121 |
| Retained earnings to average equity (ytd only) | 8.9180% | 1,732 |
| Net charge-offs to loans | 0.0153% | 1,642 |
| Credit loss provision to net charge-offs | 147.0588% | 1,171 |
| Earnings coverage of net charge-offs (x) | 85.2353% | 813 |
| Efficiency ratio | 74.5522% | 1,200 |
| Assets per employee ($millions) | 8.0059% | 1,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8641% | 4,255 |
| Loan loss allowance to noncurrent loans | 353.9474% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.1414% | 3,305 |
| Noncurrent loans to loans | 0.2441% | 3,075 |
| Net loans and leases to total assets | 57.4110% | 2,736 |
| Net loans and leases to deposits | 74.9748% | 1,912 |
| Net loans and leases to core deposits | 80.1258% | 1,879 |
| Total domestic deposits to total assets | 76.5738% | 4,534 |
| Equity capital to assets | 8.5961% | 4,133 |
| Core capital (leverage) ratio | 8.3170% | 4,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9499% | 1,989 |
| Memoranda: | ||
| Average total assets | $375,494,000 | 2,091 |
| Average earning assets | $351,656,000 | 2,081 |
| Average equity | $31,935,333 | 2,452 |
| Average total loans | $221,623,000 | 2,140 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1620% | 3,755 |
| Cost of funding earning assets | 0.4181% | 1,950 |
| Net interest margin | 2.7439% | 3,877 |
| Noninterest income to average assets | 0.5236% | 2,509 |
| Noninterest expense to average assets | 2.2756% | 2,863 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8094% | 3,389 |
| Return on assets (ROA) | 0.8094% | 3,465 |
| Pretax return on assets | 0.8094% | 3,793 |
| Return on Equity (ROE) | 9.5681% | 2,829 |
| Retained earnings to average equity (ytd only) | 9.5681% | 1,773 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7643% | 1,333 |
| Assets per employee ($millions) | 8.0999% | 1,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8580% | 4,277 |
| Loan loss allowance to noncurrent loans | 355.1136% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.1358% | 3,492 |
| Noncurrent loans to loans | 0.2416% | 3,236 |
| Net loans and leases to total assets | 55.7228% | 3,074 |
| Net loans and leases to deposits | 69.0803% | 2,594 |
| Net loans and leases to core deposits | 73.4073% | 2,569 |
| Total domestic deposits to total assets | 80.6638% | 4,109 |
| Equity capital to assets | 8.1514% | 4,396 |
| Core capital (leverage) ratio | 8.1418% | 4,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $375,103,000 | 2,081 |
| Average earning assets | $350,156,000 | 2,078 |
| Average equity | $31,730,500 | 2,450 |
| Average total loans | $223,481,000 | 2,130 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2211% | 4,426 |
| Cost of funding earning assets | 0.5516% | 2,602 |
| Net interest margin | 2.6695% | 4,419 |
| Noninterest income to average assets | 0.5968% | 2,224 |
| Noninterest expense to average assets | 2.3601% | 3,243 |
| Loan and lease loss provision to assets | 0.0557% | 3,674 |
| Net operating income to assets | 0.6807% | 3,491 |
| Return on assets (ROA) | 0.7810% | 3,288 |
| Pretax return on assets | 0.7810% | 3,671 |
| Return on Equity (ROE) | 8.3872% | 2,657 |
| Retained earnings to average equity (ytd only) | 8.3872% | 940 |
| Net charge-offs to loans | -0.0034% | 4,057 |
| Credit loss provision to net charge-offs | -2,585.7143% | 4,228 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2188% | 1,200 |
| Assets per employee ($millions) | 7.6896% | 1,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8208% | 4,382 |
| Loan loss allowance to noncurrent loans | 369.8225% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.1403% | 3,592 |
| Noncurrent loans to loans | 0.2219% | 3,407 |
| Net loans and leases to total assets | 62.6888% | 2,520 |
| Net loans and leases to deposits | 84.3871% | 1,417 |
| Net loans and leases to core deposits | 90.1446% | 1,516 |
| Total domestic deposits to total assets | 74.2872% | 4,621 |
| Equity capital to assets | 8.7902% | 4,230 |
| Core capital (leverage) ratio | 8.4022% | 4,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $325,244,400 | 2,163 |
| Average earning assets | $304,551,000 | 2,151 |
| Average equity | $30,284,400 | 2,467 |
| Average total loans | $203,995,600 | 2,205 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3038% | 4,464 |
| Cost of funding earning assets | 0.5724% | 2,787 |
| Net interest margin | 2.7314% | 4,424 |
| Noninterest income to average assets | 0.6169% | 2,111 |
| Noninterest expense to average assets | 2.5831% | 2,588 |
| Loan and lease loss provision to assets | 0.0680% | 3,478 |
| Net operating income to assets | 0.5195% | 3,981 |
| Return on assets (ROA) | 0.6569% | 3,705 |
| Pretax return on assets | 0.6569% | 3,988 |
| Return on Equity (ROE) | 6.9444% | 3,222 |
| Retained earnings to average equity (ytd only) | 6.9444% | 1,723 |
| Net charge-offs to loans | -0.0034% | 3,971 |
| Credit loss provision to net charge-offs | -3,220.0000% | 4,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4736% | 757 |
| Assets per employee ($millions) | 7.7980% | 1,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8150% | 4,326 |
| Loan loss allowance to noncurrent loans | 342.5139% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.1508% | 3,663 |
| Noncurrent loans to loans | 0.2379% | 3,455 |
| Net loans and leases to total assets | 62.8668% | 2,901 |
| Net loans and leases to deposits | 83.6172% | 1,946 |
| Net loans and leases to core deposits | 88.9312% | 2,071 |
| Total domestic deposits to total assets | 75.1841% | 4,488 |
| Equity capital to assets | 8.6672% | 4,359 |
| Core capital (leverage) ratio | 8.6056% | 4,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $316,202,500 | 2,189 |
| Average earning assets | $295,612,250 | 2,181 |
| Average equity | $29,913,250 | 2,478 |
| Average total loans | $197,884,500 | 2,252 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5088% | 4,397 |
| Cost of funding earning assets | 0.6030% | 2,945 |
| Net interest margin | 2.9058% | 4,299 |
| Noninterest income to average assets | 0.5542% | 2,333 |
| Noninterest expense to average assets | 2.7560% | 2,198 |
| Loan and lease loss provision to assets | 0.0358% | 3,820 |
| Net operating income to assets | 0.4715% | 4,082 |
| Return on assets (ROA) | 0.6873% | 3,539 |
| Pretax return on assets | 0.6873% | 3,896 |
| Return on Equity (ROE) | 7.0323% | 3,119 |
| Retained earnings to average equity (ytd only) | 7.0323% | 1,652 |
| Net charge-offs to loans | -0.0074% | 4,122 |
| Credit loss provision to net charge-offs | -771.4286% | 3,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4562% | 613 |
| Assets per employee ($millions) | 7.4018% | 1,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8239% | 4,280 |
| Loan loss allowance to noncurrent loans | 328.5714% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.1597% | 3,725 |
| Noncurrent loans to loans | 0.2507% | 3,481 |
| Net loans and leases to total assets | 63.1731% | 2,985 |
| Net loans and leases to deposits | 84.4446% | 1,949 |
| Net loans and leases to core deposits | 90.3582% | 2,050 |
| Total domestic deposits to total assets | 74.8102% | 4,534 |
| Equity capital to assets | 9.2004% | 3,926 |
| Core capital (leverage) ratio | 8.8655% | 4,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $302,033,667 | 2,240 |
| Average earning assets | $281,574,000 | 2,239 |
| Average equity | $29,521,000 | 2,494 |
| Average total loans | $188,058,667 | 2,323 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7976% | 4,238 |
| Cost of funding earning assets | 0.6497% | 3,173 |
| Net interest margin | 3.1478% | 3,989 |
| Noninterest income to average assets | 0.4677% | 2,711 |
| Noninterest expense to average assets | 3.0198% | 1,841 |
| Loan and lease loss provision to assets | 0.0419% | 3,251 |
| Net operating income to assets | 0.3281% | 4,285 |
| Return on assets (ROA) | 0.3756% | 4,224 |
| Pretax return on assets | 0.3756% | 4,337 |
| Return on Equity (ROE) | 3.7156% | 4,034 |
| Retained earnings to average equity (ytd only) | 3.7156% | 2,797 |
| Net charge-offs to loans | -0.0068% | 3,947 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0857% | 529 |
| Assets per employee ($millions) | 5.3806% | 2,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9797% | 3,809 |
| Loan loss allowance to noncurrent loans | 316.7587% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.1904% | 3,733 |
| Noncurrent loans to loans | 0.3093% | 3,387 |
| Net loans and leases to total assets | 60.9619% | 3,403 |
| Net loans and leases to deposits | 82.1962% | 2,429 |
| Net loans and leases to core deposits | 88.3220% | 2,498 |
| Total domestic deposits to total assets | 74.1663% | 4,648 |
| Equity capital to assets | 10.4776% | 3,345 |
| Core capital (leverage) ratio | 9.7753% | 3,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $286,509,000 | 2,282 |
| Average earning assets | $265,959,500 | 2,281 |
| Average equity | $28,959,000 | 2,519 |
| Average total loans | $176,004,500 | 2,404 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9200% | 4,393 |
| Cost of funding earning assets | 0.6271% | 3,523 |
| Net interest margin | 3.2929% | 4,009 |
| Noninterest income to average assets | 0.6386% | 2,050 |
| Noninterest expense to average assets | 2.9983% | 2,022 |
| Loan and lease loss provision to assets | 0.0412% | 3,191 |
| Net operating income to assets | 0.6376% | 4,050 |
| Return on assets (ROA) | 0.7331% | 3,825 |
| Pretax return on assets | 0.7331% | 4,128 |
| Return on Equity (ROE) | 7.2811% | 3,452 |
| Retained earnings to average equity (ytd only) | -8.9489% | 5,048 |
| Net charge-offs to loans | 0.0085% | 3,377 |
| Credit loss provision to net charge-offs | 828.5714% | 401 |
| Earnings coverage of net charge-offs (x) | 136.5714% | 534 |
| Efficiency ratio | 81.5408% | 827 |
| Assets per employee ($millions) | 5.2336% | 2,309 |
| Cash dividends to net income (ytd only)* | 222.9056% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9561% | 3,720 |
| Loan loss allowance to noncurrent loans | 295.9649% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.2842% | 3,286 |
| Noncurrent loans to loans | 0.3230% | 3,283 |
| Net loans and leases to total assets | 60.7116% | 3,532 |
| Net loans and leases to deposits | 82.1713% | 2,540 |
| Net loans and leases to core deposits | 87.1497% | 2,692 |
| Total domestic deposits to total assets | 73.8841% | 4,776 |
| Equity capital to assets | 9.7409% | 4,161 |
| Core capital (leverage) ratio | 9.4529% | 4,108 |
| Tier 1 risk-based capital ratio | 12.9180% | 3,828 |
| Total risk-based capital ratio | 13.7060% | 3,972 |
| Memoranda: | ||
| Average total assets | $281,692,000 | 2,268 |
| Average earning assets | $259,924,000 | 2,277 |
| Average equity | $28,361,000 | 2,479 |
| Average total loans | $165,105,000 | 2,461 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9226% | 4,503 |
| Cost of funding earning assets | 0.6170% | 3,601 |
| Net interest margin | 3.3056% | 4,082 |
| Noninterest income to average assets | 0.6839% | 1,855 |
| Noninterest expense to average assets | 3.0825% | 1,752 |
| Loan and lease loss provision to assets | 0.0371% | 3,156 |
| Net operating income to assets | 0.6087% | 4,274 |
| Return on assets (ROA) | 0.6087% | 4,327 |
| Pretax return on assets | 0.6087% | 4,525 |
| Return on Equity (ROE) | 5.9958% | 4,047 |
| Retained earnings to average equity (ytd only) | -15.5825% | 5,184 |
| Net charge-offs to loans | 0.0148% | 2,867 |
| Credit loss provision to net charge-offs | 433.3333% | 710 |
| Earnings coverage of net charge-offs (x) | 75.3871% | 895 |
| Efficiency ratio | 82.6781% | 706 |
| Assets per employee ($millions) | 5.5231% | 2,010 |
| Cash dividends to net income (ytd only)* | 359.8907% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9383% | 3,883 |
| Loan loss allowance to noncurrent loans | 282.6460% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.2783% | 3,439 |
| Noncurrent loans to loans | 0.3320% | 3,346 |
| Net loans and leases to total assets | 58.2323% | 3,858 |
| Net loans and leases to deposits | 76.0276% | 3,289 |
| Net loans and leases to core deposits | 80.2710% | 3,371 |
| Total domestic deposits to total assets | 76.5936% | 4,572 |
| Equity capital to assets | 9.1716% | 4,682 |
| Core capital (leverage) ratio | 9.3406% | 4,336 |
| Tier 1 risk-based capital ratio | 12.4692% | 4,159 |
| Total risk-based capital ratio | 13.2325% | 4,313 |
| Memoranda: | ||
| Average total assets | $280,153,000 | 2,290 |
| Average earning assets | $258,022,250 | 2,299 |
| Average equity | $28,441,500 | 2,491 |
| Average total loans | $162,270,250 | 2,511 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9320% | 4,510 |
| Cost of funding earning assets | 0.5899% | 3,704 |
| Net interest margin | 3.3421% | 4,043 |
| Noninterest income to average assets | 0.6822% | 1,790 |
| Noninterest expense to average assets | 3.1803% | 1,550 |
| Loan and lease loss provision to assets | 0.0204% | 3,385 |
| Net operating income to assets | 0.5611% | 4,404 |
| Return on assets (ROA) | 0.5611% | 4,433 |
| Pretax return on assets | 0.5611% | 4,610 |
| Return on Equity (ROE) | 5.3395% | 4,250 |
| Retained earnings to average equity (ytd only) | 5.3395% | 2,602 |
| Net charge-offs to loans | 0.0291% | 2,275 |
| Credit loss provision to net charge-offs | 121.7391% | 1,725 |
| Earnings coverage of net charge-offs (x) | 34.6522% | 1,350 |
| Efficiency ratio | 84.5423% | 616 |
| Assets per employee ($millions) | 5.1580% | 2,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9794% | 3,744 |
| Loan loss allowance to noncurrent loans | 264.1196% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.3583% | 3,100 |
| Noncurrent loans to loans | 0.3708% | 3,195 |
| Net loans and leases to total assets | 57.7162% | 3,939 |
| Net loans and leases to deposits | 77.4124% | 3,201 |
| Net loans and leases to core deposits | 84.3315% | 3,080 |
| Total domestic deposits to total assets | 74.5568% | 4,795 |
| Equity capital to assets | 11.0143% | 3,035 |
| Core capital (leverage) ratio | 11.3608% | 2,287 |
| Tier 1 risk-based capital ratio | 14.8506% | 2,896 |
| Total risk-based capital ratio | 15.6110% | 3,053 |
| Memoranda: | ||
| Average total assets | $274,121,670 | 2,334 |
| Average earning assets | $252,592,330 | 2,344 |
| Average equity | $28,804,000 | 2,462 |
| Average total loans | $157,920,000 | 2,570 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9330% | 4,497 |
| Cost of funding earning assets | 0.5908% | 3,625 |
| Net interest margin | 3.3422% | 4,055 |
| Noninterest income to average assets | 0.5825% | 2,129 |
| Noninterest expense to average assets | 3.1936% | 1,511 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4678% | 4,604 |
| Return on assets (ROA) | 0.4678% | 4,626 |
| Pretax return on assets | 0.4678% | 4,749 |
| Return on Equity (ROE) | 4.5645% | 4,455 |
| Retained earnings to average equity (ytd only) | 4.5645% | 3,102 |
| Net charge-offs to loans | 0.0976% | 1,163 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 8.3684% | 2,086 |
| Efficiency ratio | 87.2238% | 520 |
| Assets per employee ($millions) | 4.8133% | 2,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0027% | 3,691 |
| Loan loss allowance to noncurrent loans | 249.5161% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.3769% | 3,082 |
| Noncurrent loans to loans | 0.4019% | 3,149 |
| Net loans and leases to total assets | 56.6653% | 4,005 |
| Net loans and leases to deposits | 72.8182% | 3,545 |
| Net loans and leases to core deposits | 77.1436% | 3,585 |
| Total domestic deposits to total assets | 77.8175% | 4,548 |
| Equity capital to assets | 10.6605% | 3,193 |
| Core capital (leverage) ratio | 11.2021% | 2,390 |
| Tier 1 risk-based capital ratio | 15.2435% | 2,779 |
| Total risk-based capital ratio | 16.0141% | 2,917 |
| Memoranda: | ||
| Average total assets | $271,917,500 | 2,366 |
| Average earning assets | $250,496,500 | 2,378 |
| Average equity | $27,867,000 | 2,528 |
| Average total loans | $155,706,500 | 2,631 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8566% | 4,376 |
| Cost of funding earning assets | 0.5579% | 2,996 |
| Net interest margin | 3.2987% | 4,260 |
| Noninterest income to average assets | 0.5971% | 2,309 |
| Noninterest expense to average assets | 3.0643% | 1,888 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5602% | 4,523 |
| Return on assets (ROA) | 0.5602% | 4,525 |
| Pretax return on assets | 0.5602% | 4,705 |
| Return on Equity (ROE) | 6.0327% | 4,164 |
| Retained earnings to average equity (ytd only) | 6.0327% | 2,177 |
| Net charge-offs to loans | -0.0484% | 4,963 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5433% | 610 |
| Assets per employee ($millions) | 4.8980% | 2,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0094% | 3,622 |
| Loan loss allowance to noncurrent loans | 234.2688% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.3912% | 2,993 |
| Noncurrent loans to loans | 0.4309% | 2,993 |
| Net loans and leases to total assets | 56.7070% | 4,077 |
| Net loans and leases to deposits | 75.2114% | 3,413 |
| Net loans and leases to core deposits | 79.9421% | 3,432 |
| Total domestic deposits to total assets | 75.3968% | 4,831 |
| Equity capital to assets | 9.8433% | 3,821 |
| Core capital (leverage) ratio | 10.8165% | 2,720 |
| Tier 1 risk-based capital ratio | 14.9118% | 2,869 |
| Total risk-based capital ratio | 15.6927% | 3,001 |
| Memoranda: | ||
| Average total assets | $273,995,600 | 2,302 |
| Average earning assets | $251,466,000 | 2,327 |
| Average equity | $25,444,600 | 2,613 |
| Average total loans | $155,008,000 | 2,585 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8001% | 4,436 |
| Cost of funding earning assets | 0.5466% | 2,880 |
| Net interest margin | 3.2535% | 4,392 |
| Noninterest income to average assets | 0.6182% | 2,222 |
| Noninterest expense to average assets | 3.1565% | 1,626 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4459% | 4,864 |
| Return on assets (ROA) | 0.4459% | 4,871 |
| Pretax return on assets | 0.4459% | 4,976 |
| Return on Equity (ROE) | 4.8743% | 4,605 |
| Retained earnings to average equity (ytd only) | 4.8743% | 3,306 |
| Net charge-offs to loans | -0.0578% | 4,986 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6233% | 426 |
| Assets per employee ($millions) | 4.9530% | 2,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9931% | 3,814 |
| Loan loss allowance to noncurrent loans | 1,030.7190% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.2044% | 3,922 |
| Noncurrent loans to loans | 0.0964% | 4,458 |
| Net loans and leases to total assets | 56.6798% | 4,161 |
| Net loans and leases to deposits | 73.4864% | 3,645 |
| Net loans and leases to core deposits | 77.8804% | 3,668 |
| Total domestic deposits to total assets | 77.1296% | 4,623 |
| Equity capital to assets | 8.7754% | 4,733 |
| Core capital (leverage) ratio | 10.6012% | 2,979 |
| Tier 1 risk-based capital ratio | 14.2582% | 3,238 |
| Total risk-based capital ratio | 15.0262% | 3,390 |
| Memoranda: | ||
| Average total assets | $273,922,250 | 2,313 |
| Average earning assets | $251,247,750 | 2,341 |
| Average equity | $25,056,000 | 2,655 |
| Average total loans | $154,478,250 | 2,605 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8100% | 4,320 |
| Cost of funding earning assets | 0.5561% | 2,561 |
| Net interest margin | 3.2539% | 4,374 |
| Noninterest income to average assets | 0.5272% | 2,714 |
| Noninterest expense to average assets | 3.2327% | 1,466 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.2764% | 5,152 |
| Return on assets (ROA) | 0.2764% | 5,145 |
| Pretax return on assets | 0.2764% | 5,181 |
| Return on Equity (ROE) | 2.9809% | 5,032 |
| Retained earnings to average equity (ytd only) | 2.9809% | 4,066 |
| Net charge-offs to loans | -0.0849% | 5,108 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1229% | 308 |
| Assets per employee ($millions) | 4.6874% | 2,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9949% | 3,879 |
| Loan loss allowance to noncurrent loans | 1,357.7586% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.2317% | 3,846 |
| Noncurrent loans to loans | 0.0733% | 4,592 |
| Net loans and leases to total assets | 57.6519% | 4,025 |
| Net loans and leases to deposits | 74.7463% | 3,461 |
| Net loans and leases to core deposits | 78.1224% | 3,572 |
| Total domestic deposits to total assets | 77.1301% | 4,720 |
| Equity capital to assets | 8.9580% | 4,595 |
| Core capital (leverage) ratio | 10.5441% | 2,986 |
| Tier 1 risk-based capital ratio | 14.0041% | 3,357 |
| Total risk-based capital ratio | 14.7715% | 3,513 |
| Memoranda: | ||
| Average total assets | $272,774,000 | 2,332 |
| Average earning assets | $249,976,670 | 2,360 |
| Average equity | $25,294,670 | 2,646 |
| Average total loans | $153,041,670 | 2,636 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7242% | 4,416 |
| Cost of funding earning assets | 0.5831% | 2,150 |
| Net interest margin | 3.1411% | 4,617 |
| Noninterest income to average assets | 0.7100% | 1,786 |
| Noninterest expense to average assets | 3.2823% | 1,380 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2987% | 5,097 |
| Return on assets (ROA) | 0.2987% | 5,098 |
| Pretax return on assets | 0.2987% | 5,170 |
| Return on Equity (ROE) | 3.1671% | 4,983 |
| Retained earnings to average equity (ytd only) | 3.1671% | 3,937 |
| Net charge-offs to loans | -0.0213% | 4,593 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6599% | 375 |
| Assets per employee ($millions) | 4.7414% | 2,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9942% | 3,997 |
| Loan loss allowance to noncurrent loans | 1,039.7260% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.8551% | 1,847 |
| Noncurrent loans to loans | 0.0956% | 4,544 |
| Net loans and leases to total assets | 55.9356% | 4,129 |
| Net loans and leases to deposits | 74.5036% | 3,364 |
| Net loans and leases to core deposits | 78.1248% | 3,485 |
| Total domestic deposits to total assets | 75.0778% | 5,056 |
| Equity capital to assets | 9.1809% | 4,382 |
| Core capital (leverage) ratio | 10.5189% | 2,925 |
| Tier 1 risk-based capital ratio | 14.3914% | 3,174 |
| Total risk-based capital ratio | 15.1562% | 3,345 |
| Memoranda: | ||
| Average total assets | $273,227,000 | 2,347 |
| Average earning assets | $249,721,000 | 2,383 |
| Average equity | $25,765,000 | 2,637 |
| Average total loans | $150,406,500 | 2,682 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6990% | 4,339 |
| Cost of funding earning assets | 0.5350% | 2,071 |
| Net interest margin | 3.1640% | 4,536 |
| Noninterest income to average assets | 0.9109% | 1,236 |
| Noninterest expense to average assets | 3.0528% | 2,002 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7394% | 3,430 |
| Return on assets (ROA) | 0.7394% | 3,472 |
| Pretax return on assets | 0.7394% | 4,413 |
| Return on Equity (ROE) | 7.9629% | 2,810 |
| Retained earnings to average equity (ytd only) | 7.9629% | 782 |
| Net charge-offs to loans | -0.0283% | 5,051 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5018% | 1,060 |
| Assets per employee ($millions) | 4.7620% | 2,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0194% | 3,815 |
| Loan loss allowance to noncurrent loans | 1,006.6667% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.8465% | 1,843 |
| Noncurrent loans to loans | 0.1013% | 4,534 |
| Net loans and leases to total assets | 53.0835% | 4,435 |
| Net loans and leases to deposits | 71.5712% | 3,739 |
| Net loans and leases to core deposits | 73.2529% | 3,946 |
| Total domestic deposits to total assets | 74.1688% | 5,167 |
| Equity capital to assets | 9.6735% | 4,069 |
| Core capital (leverage) ratio | 10.3215% | 3,047 |
| Tier 1 risk-based capital ratio | 14.4803% | 3,098 |
| Total risk-based capital ratio | 15.2513% | 3,264 |
| Memoranda: | ||
| Average total assets | $271,165,000 | 2,344 |
| Average earning assets | $246,930,400 | 2,367 |
| Average equity | $25,179,200 | 2,665 |
| Average total loans | $144,908,200 | 2,707 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7007% | 4,317 |
| Cost of funding earning assets | 0.5405% | 1,955 |
| Net interest margin | 3.1602% | 4,558 |
| Noninterest income to average assets | 0.8314% | 1,471 |
| Noninterest expense to average assets | 3.0736% | 1,883 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6343% | 4,253 |
| Return on assets (ROA) | 0.6343% | 4,313 |
| Pretax return on assets | 0.6343% | 4,770 |
| Return on Equity (ROE) | 6.9046% | 3,713 |
| Retained earnings to average equity (ytd only) | 6.9046% | 1,739 |
| Net charge-offs to loans | -0.0268% | 4,964 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8937% | 848 |
| Assets per employee ($millions) | 4.7023% | 2,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0204% | 3,952 |
| Loan loss allowance to noncurrent loans | 145.4369% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 1.1491% | 1,437 |
| Noncurrent loans to loans | 0.7016% | 2,604 |
| Net loans and leases to total assets | 54.2113% | 4,398 |
| Net loans and leases to deposits | 72.7725% | 3,691 |
| Net loans and leases to core deposits | 74.2500% | 3,957 |
| Total domestic deposits to total assets | 74.4942% | 5,187 |
| Equity capital to assets | 9.8784% | 4,051 |
| Core capital (leverage) ratio | 10.1820% | 3,335 |
| Tier 1 risk-based capital ratio | 14.0644% | 3,413 |
| Total risk-based capital ratio | 14.8267% | 3,578 |
| Memoranda: | ||
| Average total assets | $269,907,000 | 2,367 |
| Average earning assets | $245,677,500 | 2,395 |
| Average equity | $24,794,500 | 2,704 |
| Average total loans | $144,104,000 | 2,737 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6732% | 4,307 |
| Cost of funding earning assets | 0.5358% | 1,872 |
| Net interest margin | 3.1375% | 4,579 |
| Noninterest income to average assets | 0.7511% | 1,768 |
| Noninterest expense to average assets | 3.0451% | 1,990 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5633% | 4,454 |
| Return on assets (ROA) | 0.5633% | 4,507 |
| Pretax return on assets | 0.5633% | 4,875 |
| Return on Equity (ROE) | 6.2888% | 3,910 |
| Retained earnings to average equity (ytd only) | 6.2888% | 1,968 |
| Net charge-offs to loans | -0.0489% | 5,162 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3884% | 812 |
| Assets per employee ($millions) | 4.9690% | 2,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0116% | 4,075 |
| Loan loss allowance to noncurrent loans | 145.7364% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 1.3549% | 1,181 |
| Noncurrent loans to loans | 0.6941% | 2,674 |
| Net loans and leases to total assets | 53.8528% | 4,400 |
| Net loans and leases to deposits | 74.5247% | 3,490 |
| Net loans and leases to core deposits | 77.5879% | 3,633 |
| Total domestic deposits to total assets | 72.2617% | 5,439 |
| Equity capital to assets | 9.3419% | 4,573 |
| Core capital (leverage) ratio | 9.9572% | 3,591 |
| Tier 1 risk-based capital ratio | 13.7780% | 3,548 |
| Total risk-based capital ratio | 14.5422% | 3,727 |
| Memoranda: | ||
| Average total assets | $270,533,000 | 2,370 |
| Average earning assets | $246,377,330 | 2,404 |
| Average equity | $24,233,670 | 2,754 |
| Average total loans | $143,205,330 | 2,756 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5564% | 4,527 |
| Cost of funding earning assets | 0.5179% | 1,951 |
| Net interest margin | 3.0386% | 4,810 |
| Noninterest income to average assets | 0.6747% | 2,062 |
| Noninterest expense to average assets | 3.1298% | 1,791 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3091% | 5,168 |
| Return on assets (ROA) | 0.3091% | 5,192 |
| Pretax return on assets | 0.3091% | 5,305 |
| Return on Equity (ROE) | 3.5277% | 4,949 |
| Retained earnings to average equity (ytd only) | 3.5277% | 3,677 |
| Net charge-offs to loans | -0.0484% | 5,170 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0112% | 505 |
| Assets per employee ($millions) | 4.8191% | 2,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0409% | 4,031 |
| Loan loss allowance to noncurrent loans | 651.3158% | 852 |
| Noncurrent assets plus other real estate owned to assets | 1.1068% | 1,608 |
| Noncurrent loans to loans | 0.1598% | 4,544 |
| Net loans and leases to total assets | 52.3158% | 4,485 |
| Net loans and leases to deposits | 71.3252% | 3,669 |
| Net loans and leases to core deposits | 74.3336% | 3,805 |
| Total domestic deposits to total assets | 73.3482% | 5,464 |
| Equity capital to assets | 8.9425% | 4,868 |
| Core capital (leverage) ratio | 9.9585% | 3,558 |
| Tier 1 risk-based capital ratio | 13.7362% | 3,640 |
| Total risk-based capital ratio | 14.5048% | 3,833 |
| Memoranda: | ||
| Average total assets | $269,151,000 | 2,406 |
| Average earning assets | $244,853,500 | 2,438 |
| Average equity | $23,585,000 | 2,836 |
| Average total loans | $140,467,000 | 2,810 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5661% | 4,602 |
| Cost of funding earning assets | 0.5631% | 1,585 |
| Net interest margin | 3.0030% | 4,955 |
| Noninterest income to average assets | 0.8864% | 1,455 |
| Noninterest expense to average assets | 3.1444% | 1,910 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4673% | 4,748 |
| Return on assets (ROA) | 0.5376% | 4,578 |
| Pretax return on assets | 0.5376% | 4,951 |
| Return on Equity (ROE) | 5.1960% | 4,330 |
| Retained earnings to average equity (ytd only) | -7.9280% | 5,752 |
| Net charge-offs to loans | 0.4971% | 497 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 1.8981% | 3,922 |
| Efficiency ratio | 87.0608% | 751 |
| Assets per employee ($millions) | 4.7094% | 2,773 |
| Cash dividends to net income (ytd only)* | 252.5795% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0625% | 3,937 |
| Loan loss allowance to noncurrent loans | 617.2269% | 902 |
| Noncurrent assets plus other real estate owned to assets | 1.1332% | 1,632 |
| Noncurrent loans to loans | 0.1721% | 4,545 |
| Net loans and leases to total assets | 50.9609% | 4,695 |
| Net loans and leases to deposits | 69.4671% | 3,963 |
| Net loans and leases to core deposits | 72.4149% | 4,061 |
| Total domestic deposits to total assets | 73.3598% | 5,486 |
| Equity capital to assets | 8.5820% | 5,208 |
| Core capital (leverage) ratio | 9.9046% | 3,616 |
| Tier 1 risk-based capital ratio | 13.9578% | 3,484 |
| Total risk-based capital ratio | 14.7382% | 3,675 |
| Memoranda: | ||
| Average total assets | $263,201,800 | 2,409 |
| Average earning assets | $238,857,400 | 2,449 |
| Average equity | $27,232,600 | 2,554 |
| Average total loans | $130,363,800 | 2,916 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5758% | 4,620 |
| Cost of funding earning assets | 0.5836% | 1,468 |
| Net interest margin | 2.9922% | 5,028 |
| Noninterest income to average assets | 0.9775% | 1,194 |
| Noninterest expense to average assets | 3.1737% | 1,841 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5183% | 4,628 |
| Return on assets (ROA) | 0.5702% | 4,518 |
| Pretax return on assets | 0.5702% | 4,954 |
| Return on Equity (ROE) | 5.2801% | 4,398 |
| Retained earnings to average equity (ytd only) | 2.5222% | 4,407 |
| Net charge-offs to loans | 0.3905% | 558 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 2.7075% | 3,535 |
| Efficiency ratio | 85.9625% | 824 |
| Assets per employee ($millions) | 4.6329% | 2,864 |
| Cash dividends to net income (ytd only)* | 52.2320% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3181% | 2,582 |
| Loan loss allowance to noncurrent loans | 186.4026% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 1.6535% | 1,046 |
| Noncurrent loans to loans | 0.7071% | 2,915 |
| Net loans and leases to total assets | 50.2378% | 4,803 |
| Net loans and leases to deposits | 68.6692% | 4,093 |
| Net loans and leases to core deposits | 71.6916% | 4,184 |
| Total domestic deposits to total assets | 73.1591% | 5,507 |
| Equity capital to assets | 11.4356% | 2,566 |
| Core capital (leverage) ratio | 10.7222% | 2,759 |
| Tier 1 risk-based capital ratio | 16.2099% | 2,540 |
| Total risk-based capital ratio | 17.1854% | 2,591 |
| Memoranda: | ||
| Average total assets | $261,894,000 | 2,428 |
| Average earning assets | $237,590,250 | 2,459 |
| Average equity | $28,281,500 | 2,516 |
| Average total loans | $128,388,500 | 2,948 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5950% | 4,605 |
| Cost of funding earning assets | 0.5912% | 1,388 |
| Net interest margin | 3.0038% | 5,074 |
| Noninterest income to average assets | 0.8717% | 1,465 |
| Noninterest expense to average assets | 3.1738% | 1,876 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4248% | 4,959 |
| Return on assets (ROA) | 0.5025% | 4,777 |
| Pretax return on assets | 0.5025% | 5,122 |
| Return on Equity (ROE) | 4.7450% | 4,627 |
| Retained earnings to average equity (ytd only) | 1.9411% | 4,589 |
| Net charge-offs to loans | 0.5993% | 351 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 1.4646% | 3,408 |
| Efficiency ratio | 88.1955% | 712 |
| Assets per employee ($millions) | 4.5439% | 2,945 |
| Cash dividends to net income (ytd only)* | 59.0909% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3016% | 2,772 |
| Loan loss allowance to noncurrent loans | 164.8623% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 1.6356% | 1,114 |
| Noncurrent loans to loans | 0.7895% | 2,775 |
| Net loans and leases to total assets | 51.7345% | 4,701 |
| Net loans and leases to deposits | 71.6829% | 3,815 |
| Net loans and leases to core deposits | 75.5491% | 3,860 |
| Total domestic deposits to total assets | 72.1713% | 5,660 |
| Equity capital to assets | 11.2899% | 2,750 |
| Core capital (leverage) ratio | 10.7059% | 2,735 |
| Tier 1 risk-based capital ratio | 16.2264% | 2,538 |
| Total risk-based capital ratio | 17.2084% | 2,599 |
| Memoranda: | ||
| Average total assets | $262,710,670 | 2,435 |
| Average earning assets | $238,499,000 | 2,465 |
| Average equity | $27,819,000 | 2,548 |
| Average total loans | $127,158,000 | 2,982 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5132% | 4,859 |
| Cost of funding earning assets | 0.5883% | 1,421 |
| Net interest margin | 2.9249% | 5,274 |
| Noninterest income to average assets | 0.8589% | 1,418 |
| Noninterest expense to average assets | 3.1015% | 2,099 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4182% | 4,936 |
| Return on assets (ROA) | 0.4182% | 5,013 |
| Pretax return on assets | 0.4182% | 5,266 |
| Return on Equity (ROE) | 4.0783% | 4,866 |
| Retained earnings to average equity (ytd only) | 1.2279% | 4,760 |
| Net charge-offs to loans | -0.0032% | 4,188 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1175% | 806 |
| Assets per employee ($millions) | 4.6981% | 2,746 |
| Cash dividends to net income (ytd only)* | 69.8925% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7094% | 1,338 |
| Loan loss allowance to noncurrent loans | 115.8010% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 1.7596% | 1,068 |
| Noncurrent loans to loans | 1.4761% | 1,597 |
| Net loans and leases to total assets | 45.4784% | 5,154 |
| Net loans and leases to deposits | 62.5128% | 4,544 |
| Net loans and leases to core deposits | 68.1942% | 4,389 |
| Total domestic deposits to total assets | 72.7506% | 5,727 |
| Equity capital to assets | 10.4693% | 3,540 |
| Core capital (leverage) ratio | 10.6646% | 2,781 |
| Tier 1 risk-based capital ratio | 16.9795% | 2,296 |
| Total risk-based capital ratio | 18.2296% | 2,249 |
| Memoranda: | ||
| Average total assets | $266,837,500 | 2,417 |
| Average earning assets | $242,744,500 | 2,445 |
| Average equity | $27,364,500 | 2,572 |
| Average total loans | $124,048,000 | 3,028 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4371% | 5,081 |
| Cost of funding earning assets | 0.6477% | 1,087 |
| Net interest margin | 2.7894% | 5,535 |
| Noninterest income to average assets | 0.7883% | 1,831 |
| Noninterest expense to average assets | 3.0475% | 2,392 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2877% | 5,394 |
| Return on assets (ROA) | 0.3126% | 5,407 |
| Pretax return on assets | 0.3126% | 5,499 |
| Return on Equity (ROE) | 3.2660% | 5,208 |
| Retained earnings to average equity (ytd only) | 0.3744% | 5,364 |
| Net charge-offs to loans | 0.0327% | 3,566 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 19.7805% | 1,921 |
| Efficiency ratio | 91.3733% | 605 |
| Assets per employee ($millions) | 4.6646% | 2,787 |
| Cash dividends to net income (ytd only)* | 88.5358% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7046% | 1,339 |
| Loan loss allowance to noncurrent loans | 114.0625% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 1.7914% | 1,061 |
| Noncurrent loans to loans | 1.4945% | 1,553 |
| Net loans and leases to total assets | 45.9125% | 5,167 |
| Net loans and leases to deposits | 61.0072% | 4,702 |
| Net loans and leases to core deposits | 68.2662% | 4,430 |
| Total domestic deposits to total assets | 75.2574% | 5,528 |
| Equity capital to assets | 10.0394% | 3,915 |
| Core capital (leverage) ratio | 10.4364% | 3,006 |
| Tier 1 risk-based capital ratio | 16.6966% | 2,392 |
| Total risk-based capital ratio | 17.9432% | 2,348 |
| Memoranda: | ||
| Average total assets | $281,870,200 | 2,254 |
| Average earning assets | $257,369,800 | 2,284 |
| Average equity | $26,974,600 | 2,553 |
| Average total loans | $125,313,000 | 2,964 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3693% | 5,277 |
| Cost of funding earning assets | 0.6602% | 1,034 |
| Net interest margin | 2.7091% | 5,714 |
| Noninterest income to average assets | 0.8605% | 1,581 |
| Noninterest expense to average assets | 3.1011% | 2,217 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2341% | 5,607 |
| Return on assets (ROA) | 0.2668% | 5,619 |
| Pretax return on assets | 0.2668% | 5,692 |
| Return on Equity (ROE) | 2.8199% | 5,448 |
| Retained earnings to average equity (ytd only) | -0.0641% | 5,606 |
| Net charge-offs to loans | 0.0435% | 3,024 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 12.2429% | 2,421 |
| Efficiency ratio | 92.9800% | 526 |
| Assets per employee ($millions) | 4.7717% | 2,595 |
| Cash dividends to net income (ytd only)* | 102.2723% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6637% | 1,569 |
| Loan loss allowance to noncurrent loans | 109.4623% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 1.9343% | 1,077 |
| Noncurrent loans to loans | 1.5199% | 1,652 |
| Net loans and leases to total assets | 46.0059% | 5,228 |
| Net loans and leases to deposits | 61.1233% | 4,779 |
| Net loans and leases to core deposits | 68.6665% | 4,484 |
| Total domestic deposits to total assets | 75.2674% | 5,599 |
| Equity capital to assets | 10.0625% | 4,085 |
| Core capital (leverage) ratio | 10.2203% | 3,349 |
| Tier 1 risk-based capital ratio | 16.1504% | 2,732 |
| Total risk-based capital ratio | 17.3645% | 2,700 |
| Memoranda: | ||
| Average total assets | $285,867,250 | 2,251 |
| Average earning assets | $261,134,250 | 2,274 |
| Average equity | $27,045,000 | 2,556 |
| Average total loans | $125,593,750 | 2,982 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2989% | 5,439 |
| Cost of funding earning assets | 0.6744% | 969 |
| Net interest margin | 2.6245% | 5,856 |
| Noninterest income to average assets | 0.7718% | 1,912 |
| Noninterest expense to average assets | 3.0073% | 2,531 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1652% | 5,778 |
| Return on assets (ROA) | 0.2134% | 5,731 |
| Pretax return on assets | 0.2134% | 5,792 |
| Return on Equity (ROE) | 2.3017% | 5,619 |
| Retained earnings to average equity (ytd only) | -0.5940% | 5,626 |
| Net charge-offs to loans | 0.1072% | 1,925 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 3.5821% | 3,172 |
| Efficiency ratio | 94.7917% | 486 |
| Assets per employee ($millions) | 5.0870% | 2,160 |
| Cash dividends to net income (ytd only)* | 125.8065% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6446% | 1,763 |
| Loan loss allowance to noncurrent loans | 107.5064% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 2.0929% | 1,032 |
| Noncurrent loans to loans | 1.5298% | 1,731 |
| Net loans and leases to total assets | 43.8973% | 5,384 |
| Net loans and leases to deposits | 58.1351% | 4,985 |
| Net loans and leases to core deposits | 69.8383% | 4,338 |
| Total domestic deposits to total assets | 75.5090% | 5,653 |
| Equity capital to assets | 9.0532% | 5,183 |
| Core capital (leverage) ratio | 9.7206% | 3,976 |
| Tier 1 risk-based capital ratio | 17.1086% | 2,366 |
| Total risk-based capital ratio | 18.3592% | 2,310 |
| Memoranda: | ||
| Average total assets | $290,493,330 | 2,230 |
| Average earning assets | $265,725,330 | 2,262 |
| Average equity | $26,937,000 | 2,576 |
| Average total loans | $125,042,330 | 2,998 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3183% | 5,407 |
| Cost of funding earning assets | 0.6872% | 916 |
| Net interest margin | 2.6311% | 5,893 |
| Noninterest income to average assets | 0.6601% | 2,360 |
| Noninterest expense to average assets | 2.9935% | 2,605 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0736% | 5,924 |
| Return on assets (ROA) | 0.0736% | 5,973 |
| Pretax return on assets | 0.0736% | 5,976 |
| Return on Equity (ROE) | 0.7852% | 5,950 |
| Retained earnings to average equity (ytd only) | -2.0501% | 5,691 |
| Net charge-offs to loans | -0.0742% | 5,716 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5989% | 446 |
| Assets per employee ($millions) | 5.1056% | 2,221 |
| Cash dividends to net income (ytd only)* | 361.1111% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7574% | 1,595 |
| Loan loss allowance to noncurrent loans | 106.3902% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 2.1136% | 1,089 |
| Noncurrent loans to loans | 1.6518% | 1,685 |
| Net loans and leases to total assets | 41.8959% | 5,494 |
| Net loans and leases to deposits | 56.2568% | 5,031 |
| Net loans and leases to core deposits | 69.1140% | 4,234 |
| Total domestic deposits to total assets | 74.4726% | 5,869 |
| Equity capital to assets | 9.6048% | 4,631 |
| Core capital (leverage) ratio | 9.6686% | 4,052 |
| Tier 1 risk-based capital ratio | 17.2865% | 2,383 |
| Total risk-based capital ratio | 18.5370% | 2,341 |
| Memoranda: | ||
| Average total assets | $293,304,000 | 2,231 |
| Average earning assets | $268,332,000 | 2,256 |
| Average equity | $27,510,500 | 2,539 |
| Average total loans | $123,992,500 | 3,015 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7938% | 4,513 |
| Cost of funding earning assets | 0.7697% | 763 |
| Net interest margin | 3.0241% | 5,396 |
| Noninterest income to average assets | 0.6730% | 2,437 |
| Noninterest expense to average assets | 2.9489% | 3,001 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4793% | 4,891 |
| Return on assets (ROA) | 0.5731% | 4,576 |
| Pretax return on assets | 0.5731% | 5,024 |
| Return on Equity (ROE) | 7.0255% | 3,616 |
| Retained earnings to average equity (ytd only) | -2.8110% | 6,075 |
| Net charge-offs to loans | 0.0841% | 3,291 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 13.4579% | 2,263 |
| Efficiency ratio | 86.0194% | 1,167 |
| Assets per employee ($millions) | 5.3766% | 1,883 |
| Cash dividends to net income (ytd only)* | 140.0116% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7420% | 1,675 |
| Loan loss allowance to noncurrent loans | 97.5147% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 2.1544% | 1,136 |
| Noncurrent loans to loans | 1.7864% | 1,612 |
| Net loans and leases to total assets | 41.1614% | 5,680 |
| Net loans and leases to deposits | 55.4031% | 5,217 |
| Net loans and leases to core deposits | 67.8476% | 4,523 |
| Total domestic deposits to total assets | 74.2944% | 5,924 |
| Equity capital to assets | 9.1967% | 5,079 |
| Core capital (leverage) ratio | 9.5285% | 4,200 |
| Tier 1 risk-based capital ratio | 17.4001% | 2,353 |
| Total risk-based capital ratio | 18.6508% | 2,318 |
| Memoranda: | ||
| Average total assets | $300,450,000 | 2,157 |
| Average earning assets | $273,736,600 | 2,172 |
| Average equity | $24,510,600 | 2,712 |
| Average total loans | $127,229,800 | 2,920 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8692% | 4,283 |
| Cost of funding earning assets | 0.7795% | 764 |
| Net interest margin | 3.0898% | 5,288 |
| Noninterest income to average assets | 0.6781% | 2,435 |
| Noninterest expense to average assets | 2.9470% | 2,968 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5450% | 4,694 |
| Return on assets (ROA) | 0.5450% | 4,769 |
| Pretax return on assets | 0.5450% | 5,195 |
| Return on Equity (ROE) | 6.8960% | 3,754 |
| Retained earnings to average equity (ytd only) | -5.4978% | 6,275 |
| Net charge-offs to loans | -0.0177% | 5,583 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3924% | 1,348 |
| Assets per employee ($millions) | 5.2807% | 1,920 |
| Cash dividends to net income (ytd only)* | 179.7240% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7688% | 1,769 |
| Loan loss allowance to noncurrent loans | 95.8018% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 2.1768% | 1,273 |
| Noncurrent loans to loans | 1.8463% | 1,729 |
| Net loans and leases to total assets | 42.1048% | 5,662 |
| Net loans and leases to deposits | 55.6492% | 5,268 |
| Net loans and leases to core deposits | 70.6383% | 4,272 |
| Total domestic deposits to total assets | 75.6610% | 5,860 |
| Equity capital to assets | 8.0841% | 6,090 |
| Core capital (leverage) ratio | 9.3594% | 4,560 |
| Tier 1 risk-based capital ratio | 16.2073% | 2,953 |
| Total risk-based capital ratio | 17.4583% | 2,906 |
| Memoranda: | ||
| Average total assets | $301,634,000 | 2,164 |
| Average earning assets | $274,707,750 | 2,177 |
| Average equity | $23,839,250 | 2,776 |
| Average total loans | $128,067,750 | 2,915 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9030% | 4,123 |
| Cost of funding earning assets | 0.7834% | 775 |
| Net interest margin | 3.1196% | 5,193 |
| Noninterest income to average assets | 0.6341% | 2,640 |
| Noninterest expense to average assets | 3.0406% | 2,687 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4327% | 5,086 |
| Return on assets (ROA) | 0.4327% | 5,171 |
| Pretax return on assets | 0.4327% | 5,474 |
| Return on Equity (ROE) | 5.5164% | 4,421 |
| Retained earnings to average equity (ytd only) | 4.9673% | 2,980 |
| Net charge-offs to loans | 0.0235% | 3,729 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 43.5333% | 996 |
| Efficiency ratio | 87.5429% | 1,126 |
| Assets per employee ($millions) | 5.2258% | 1,941 |
| Cash dividends to net income (ytd only)* | 9.9541% | 3,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7368% | 2,018 |
| Loan loss allowance to noncurrent loans | 79.1696% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 2.5377% | 1,105 |
| Noncurrent loans to loans | 2.1937% | 1,492 |
| Net loans and leases to total assets | 42.7369% | 5,628 |
| Net loans and leases to deposits | 56.2426% | 5,174 |
| Net loans and leases to core deposits | 73.3506% | 3,907 |
| Total domestic deposits to total assets | 75.9868% | 5,912 |
| Equity capital to assets | 8.7099% | 5,605 |
| Core capital (leverage) ratio | 9.5877% | 4,191 |
| Tier 1 risk-based capital ratio | 16.9698% | 2,631 |
| Total risk-based capital ratio | 18.2196% | 2,592 |
| Memoranda: | ||
| Average total assets | $301,845,670 | 2,157 |
| Average earning assets | $274,715,000 | 2,178 |
| Average equity | $23,674,670 | 2,782 |
| Average total loans | $127,751,330 | 2,908 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8682% | 4,215 |
| Cost of funding earning assets | 0.7731% | 868 |
| Net interest margin | 3.0951% | 5,271 |
| Noninterest income to average assets | 0.6648% | 2,375 |
| Noninterest expense to average assets | 3.0056% | 2,845 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4845% | 4,766 |
| Return on assets (ROA) | 0.4845% | 4,839 |
| Pretax return on assets | 0.4845% | 5,212 |
| Return on Equity (ROE) | 6.5306% | 3,728 |
| Retained earnings to average equity (ytd only) | 6.5306% | 2,265 |
| Net charge-offs to loans | 0.0221% | 3,138 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 52.5714% | 730 |
| Efficiency ratio | 86.1184% | 1,438 |
| Assets per employee ($millions) | 5.3736% | 1,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7697% | 2,129 |
| Loan loss allowance to noncurrent loans | 52.7201% | 5,085 |
| Noncurrent assets plus other real estate owned to assets | 2.7669% | 1,085 |
| Noncurrent loans to loans | 3.3568% | 902 |
| Net loans and leases to total assets | 40.9188% | 5,752 |
| Net loans and leases to deposits | 53.4467% | 5,334 |
| Net loans and leases to core deposits | 71.8397% | 3,888 |
| Total domestic deposits to total assets | 76.5600% | 6,019 |
| Equity capital to assets | 7.6125% | 6,272 |
| Core capital (leverage) ratio | 9.6562% | 4,054 |
| Tier 1 risk-based capital ratio | 16.8154% | 2,770 |
| Total risk-based capital ratio | 18.0660% | 2,733 |
| Memoranda: | ||
| Average total assets | $303,834,000 | 2,159 |
| Average earning assets | $277,338,000 | 2,166 |
| Average equity | $22,540,000 | 2,888 |
| Average total loans | $126,852,000 | 2,928 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7364% | 5,014 |
| Cost of funding earning assets | 0.8509% | 944 |
| Net interest margin | 2.8855% | 5,817 |
| Noninterest income to average assets | 0.7297% | 2,380 |
| Noninterest expense to average assets | 3.0827% | 2,788 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2220% | 5,772 |
| Return on assets (ROA) | 0.2929% | 5,640 |
| Pretax return on assets | 0.2929% | 5,753 |
| Return on Equity (ROE) | 3.2352% | 5,420 |
| Retained earnings to average equity (ytd only) | 0.2357% | 5,739 |
| Net charge-offs to loans | 0.2058% | 2,820 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 2.3615% | 4,223 |
| Efficiency ratio | 93.2815% | 790 |
| Assets per employee ($millions) | 5.3816% | 1,763 |
| Cash dividends to net income (ytd only)* | 92.7160% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7960% | 2,074 |
| Loan loss allowance to noncurrent loans | 47.7949% | 5,341 |
| Noncurrent assets plus other real estate owned to assets | 2.9714% | 1,068 |
| Noncurrent loans to loans | 3.7577% | 792 |
| Net loans and leases to total assets | 41.0949% | 5,887 |
| Net loans and leases to deposits | 54.3577% | 5,443 |
| Net loans and leases to core deposits | 74.3269% | 3,808 |
| Total domestic deposits to total assets | 75.6008% | 6,128 |
| Equity capital to assets | 7.2213% | 6,391 |
| Core capital (leverage) ratio | 9.6157% | 4,095 |
| Tier 1 risk-based capital ratio | 16.6782% | 2,769 |
| Total risk-based capital ratio | 17.9288% | 2,728 |
| Memoranda: | ||
| Average total assets | $276,546,400 | 2,301 |
| Average earning assets | $246,789,000 | 2,363 |
| Average equity | $25,036,800 | 2,625 |
| Average total loans | $126,313,600 | 2,911 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6033% | 5,431 |
| Cost of funding earning assets | 0.8550% | 1,025 |
| Net interest margin | 2.7483% | 6,093 |
| Noninterest income to average assets | 0.7566% | 2,334 |
| Noninterest expense to average assets | 3.0780% | 2,732 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1169% | 6,105 |
| Return on assets (ROA) | 0.2140% | 5,958 |
| Pretax return on assets | 0.2140% | 6,016 |
| Return on Equity (ROE) | 2.2380% | 5,864 |
| Retained earnings to average equity (ytd only) | -0.6291% | 6,069 |
| Net charge-offs to loans | -0.1604% | 6,606 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3415% | 605 |
| Assets per employee ($millions) | 5.4263% | 1,704 |
| Cash dividends to net income (ytd only)* | 128.1103% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1278% | 1,452 |
| Loan loss allowance to noncurrent loans | 48.7792% | 5,277 |
| Noncurrent assets plus other real estate owned to assets | 3.5377% | 958 |
| Noncurrent loans to loans | 4.3622% | 765 |
| Net loans and leases to total assets | 41.2575% | 5,953 |
| Net loans and leases to deposits | 55.3266% | 5,432 |
| Net loans and leases to core deposits | 73.4247% | 3,916 |
| Total domestic deposits to total assets | 74.5709% | 6,323 |
| Equity capital to assets | 7.6312% | 6,338 |
| Core capital (leverage) ratio | 9.8105% | 3,941 |
| Tier 1 risk-based capital ratio | 16.4392% | 2,970 |
| Total risk-based capital ratio | 17.6937% | 2,931 |
| Memoranda: | ||
| Average total assets | $270,340,250 | 2,356 |
| Average earning assets | $239,850,750 | 2,439 |
| Average equity | $25,855,250 | 2,589 |
| Average total loans | $126,363,750 | 2,937 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4454% | 5,802 |
| Cost of funding earning assets | 0.8665% | 1,050 |
| Net interest margin | 2.5788% | 6,352 |
| Noninterest income to average assets | 0.7150% | 2,572 |
| Noninterest expense to average assets | 3.2310% | 2,271 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.2376% | 6,512 |
| Return on assets (ROA) | -0.0874% | 6,445 |
| Pretax return on assets | -0.0874% | 6,423 |
| Return on Equity (ROE) | -0.8482% | 6,440 |
| Retained earnings to average equity (ytd only) | -3.6009% | 6,365 |
| Net charge-offs to loans | -0.2908% | 6,747 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.9365% | 309 |
| Assets per employee ($millions) | 5.2283% | 1,860 |
| Cash dividends to net income (ytd only)* | -324.5614% | 6,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1280% | 1,565 |
| Loan loss allowance to noncurrent loans | 45.3769% | 5,403 |
| Noncurrent assets plus other real estate owned to assets | 4.8827% | 633 |
| Noncurrent loans to loans | 4.6897% | 724 |
| Net loans and leases to total assets | 44.9625% | 5,642 |
| Net loans and leases to deposits | 69.9207% | 3,723 |
| Net loans and leases to core deposits | 80.3056% | 2,989 |
| Total domestic deposits to total assets | 64.3049% | 6,789 |
| Equity capital to assets | 8.5193% | 5,747 |
| Core capital (leverage) ratio | 10.5943% | 2,775 |
| Tier 1 risk-based capital ratio | 16.3562% | 3,005 |
| Total risk-based capital ratio | 17.6094% | 2,964 |
| Memoranda: | ||
| Average total assets | $260,972,000 | 2,450 |
| Average earning assets | $230,570,330 | 2,533 |
| Average equity | $26,882,000 | 2,503 |
| Average total loans | $126,549,000 | 2,946 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2530% | 6,234 |
| Cost of funding earning assets | 0.9158% | 910 |
| Net interest margin | 2.3372% | 6,659 |
| Noninterest income to average assets | 0.7260% | 2,449 |
| Noninterest expense to average assets | 3.2407% | 2,231 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.4602% | 6,656 |
| Return on assets (ROA) | -0.2009% | 6,556 |
| Pretax return on assets | -0.2009% | 6,548 |
| Return on Equity (ROE) | -1.7812% | 6,548 |
| Retained earnings to average equity (ytd only) | -4.3900% | 6,315 |
| Net charge-offs to loans | -0.0063% | 5,317 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.5529% | 244 |
| Assets per employee ($millions) | 4.7694% | 2,542 |
| Cash dividends to net income (ytd only)* | -146.4567% | 6,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0023% | 2,038 |
| Loan loss allowance to noncurrent loans | 42.3709% | 5,498 |
| Noncurrent assets plus other real estate owned to assets | 5.3414% | 654 |
| Noncurrent loans to loans | 4.7256% | 845 |
| Net loans and leases to total assets | 48.9283% | 5,122 |
| Net loans and leases to deposits | 71.5186% | 3,251 |
| Net loans and leases to core deposits | 75.2005% | 3,440 |
| Total domestic deposits to total assets | 68.4134% | 6,796 |
| Equity capital to assets | 11.1006% | 2,846 |
| Core capital (leverage) ratio | 11.4217% | 1,925 |
| Tier 1 risk-based capital ratio | 17.1175% | 2,702 |
| Total risk-based capital ratio | 18.3706% | 2,672 |
| Memoranda: | ||
| Average total assets | $252,908,000 | 2,554 |
| Average earning assets | $222,320,500 | 2,648 |
| Average equity | $28,519,500 | 2,416 |
| Average total loans | $126,173,500 | 2,964 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3932% | 6,493 |
| Cost of funding earning assets | 1.0264% | 1,221 |
| Net interest margin | 2.3668% | 6,802 |
| Noninterest income to average assets | 1.3928% | 800 |
| Noninterest expense to average assets | 3.5035% | 1,807 |
| Loan and lease loss provision to assets | 0.0334% | 5,475 |
| Net operating income to assets | -0.0442% | 6,231 |
| Return on assets (ROA) | 0.3642% | 5,467 |
| Pretax return on assets | 0.3642% | 5,670 |
| Return on Equity (ROE) | 3.5725% | 5,316 |
| Retained earnings to average equity (ytd only) | 2.9007% | 4,193 |
| Net charge-offs to loans | 1.0864% | 977 |
| Credit loss provision to net charge-offs | 5.8390% | 5,436 |
| Earnings coverage of net charge-offs (x) | -0.0191% | 5,493 |
| Efficiency ratio | 100.3117% | 555 |
| Assets per employee ($millions) | 4.6859% | 2,661 |
| Cash dividends to net income (ytd only)* | 18.8042% | 3,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0017% | 2,013 |
| Loan loss allowance to noncurrent loans | 41.9157% | 5,539 |
| Noncurrent assets plus other real estate owned to assets | 5.7086% | 640 |
| Noncurrent loans to loans | 4.7756% | 862 |
| Net loans and leases to total assets | 48.8523% | 5,323 |
| Net loans and leases to deposits | 69.8500% | 3,733 |
| Net loans and leases to core deposits | 73.5751% | 3,837 |
| Total domestic deposits to total assets | 69.9389% | 6,787 |
| Equity capital to assets | 11.4524% | 2,493 |
| Core capital (leverage) ratio | 11.4089% | 1,933 |
| Tier 1 risk-based capital ratio | 17.3501% | 2,502 |
| Total risk-based capital ratio | 18.5978% | 2,480 |
| Memoranda: | ||
| Average total assets | $284,747,600 | 2,237 |
| Average earning assets | $252,624,000 | 2,292 |
| Average equity | $29,027,400 | 2,319 |
| Average total loans | $149,765,400 | 2,577 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5260% | 6,480 |
| Cost of funding earning assets | 1.0362% | 1,363 |
| Net interest margin | 2.4897% | 6,831 |
| Noninterest income to average assets | 1.5539% | 616 |
| Noninterest expense to average assets | 3.5119% | 1,731 |
| Loan and lease loss provision to assets | 0.0433% | 5,234 |
| Net operating income to assets | 0.2141% | 5,878 |
| Return on assets (ROA) | 0.5134% | 5,050 |
| Pretax return on assets | 0.5134% | 5,425 |
| Return on Equity (ROE) | 5.1744% | 4,738 |
| Retained earnings to average equity (ytd only) | 5.1744% | 3,240 |
| Net charge-offs to loans | 1.2693% | 751 |
| Credit loss provision to net charge-offs | 6.4103% | 5,117 |
| Earnings coverage of net charge-offs (x) | 0.3812% | 5,138 |
| Efficiency ratio | 93.1714% | 824 |
| Assets per employee ($millions) | 4.4328% | 3,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1255% | 1,855 |
| Loan loss allowance to noncurrent loans | 46.2098% | 5,329 |
| Noncurrent assets plus other real estate owned to assets | 6.3576% | 608 |
| Noncurrent loans to loans | 4.5996% | 1,016 |
| Net loans and leases to total assets | 49.5285% | 5,369 |
| Net loans and leases to deposits | 72.2405% | 3,571 |
| Net loans and leases to core deposits | 76.2385% | 3,697 |
| Total domestic deposits to total assets | 68.5605% | 6,903 |
| Equity capital to assets | 12.0324% | 2,231 |
| Core capital (leverage) ratio | 11.0935% | 2,306 |
| Tier 1 risk-based capital ratio | 18.0245% | 2,332 |
| Total risk-based capital ratio | 19.2795% | 2,303 |
| Memoranda: | ||
| Average total assets | $292,675,000 | 2,211 |
| Average earning assets | $260,423,750 | 2,250 |
| Average equity | $29,039,500 | 2,334 |
| Average total loans | $155,671,750 | 2,523 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5627% | 6,528 |
| Cost of funding earning assets | 1.0445% | 1,501 |
| Net interest margin | 2.5182% | 6,877 |
| Noninterest income to average assets | 1.4830% | 661 |
| Noninterest expense to average assets | 3.3484% | 2,160 |
| Loan and lease loss provision to assets | 0.0618% | 4,876 |
| Net operating income to assets | 0.3246% | 5,521 |
| Return on assets (ROA) | 0.4345% | 5,324 |
| Pretax return on assets | 0.4345% | 5,616 |
| Return on Equity (ROE) | 4.6449% | 4,975 |
| Retained earnings to average equity (ytd only) | 4.6449% | 3,519 |
| Net charge-offs to loans | 0.7580% | 1,451 |
| Credit loss provision to net charge-offs | 15.1274% | 4,680 |
| Earnings coverage of net charge-offs (x) | 0.9459% | 4,563 |
| Efficiency ratio | 89.6552% | 1,095 |
| Assets per employee ($millions) | 4.5366% | 2,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2075% | 1,748 |
| Loan loss allowance to noncurrent loans | 46.3562% | 5,317 |
| Noncurrent assets plus other real estate owned to assets | 5.3645% | 851 |
| Noncurrent loans to loans | 4.7620% | 1,066 |
| Net loans and leases to total assets | 50.6055% | 5,281 |
| Net loans and leases to deposits | 67.5742% | 4,276 |
| Net loans and leases to core deposits | 70.4041% | 4,484 |
| Total domestic deposits to total assets | 74.8888% | 6,597 |
| Equity capital to assets | 9.4933% | 5,074 |
| Core capital (leverage) ratio | 9.0092% | 4,901 |
| Tier 1 risk-based capital ratio | 14.1014% | 4,369 |
| Total risk-based capital ratio | 15.3577% | 4,330 |
| Memoranda: | ||
| Average total assets | $307,487,000 | 2,109 |
| Average earning assets | $274,962,330 | 2,155 |
| Average equity | $28,763,000 | 2,342 |
| Average total loans | $165,689,330 | 2,394 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4372% | 6,770 |
| Cost of funding earning assets | 1.0567% | 1,637 |
| Net interest margin | 2.3805% | 7,022 |
| Noninterest income to average assets | 1.5910% | 571 |
| Noninterest expense to average assets | 3.3539% | 2,133 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3740% | 5,371 |
| Return on assets (ROA) | 0.3740% | 5,552 |
| Pretax return on assets | 0.3740% | 5,800 |
| Return on Equity (ROE) | 4.0279% | 5,285 |
| Retained earnings to average equity (ytd only) | 4.0279% | 4,169 |
| Net charge-offs to loans | -0.0308% | 6,355 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9685% | 1,101 |
| Assets per employee ($millions) | 4.4726% | 3,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4416% | 1,442 |
| Loan loss allowance to noncurrent loans | 31.2932% | 6,106 |
| Noncurrent assets plus other real estate owned to assets | 6.1364% | 753 |
| Noncurrent loans to loans | 7.8024% | 507 |
| Net loans and leases to total assets | 53.4705% | 4,809 |
| Net loans and leases to deposits | 69.5990% | 3,788 |
| Net loans and leases to core deposits | 72.7734% | 4,048 |
| Total domestic deposits to total assets | 76.8265% | 6,427 |
| Equity capital to assets | 9.4024% | 4,956 |
| Core capital (leverage) ratio | 8.9497% | 4,918 |
| Tier 1 risk-based capital ratio | 14.1221% | 4,378 |
| Total risk-based capital ratio | 15.3805% | 4,339 |
| Memoranda: | ||
| Average total assets | $306,984,500 | 2,116 |
| Average earning assets | $275,572,000 | 2,161 |
| Average equity | $28,501,500 | 2,362 |
| Average total loans | $168,715,000 | 2,374 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1844% | 6,101 |
| Cost of funding earning assets | 1.2723% | 1,605 |
| Net interest margin | 2.9121% | 6,671 |
| Noninterest income to average assets | 0.5768% | 3,318 |
| Noninterest expense to average assets | 3.6191% | 1,703 |
| Loan and lease loss provision to assets | 0.6675% | 1,533 |
| Net operating income to assets | -1.0991% | 6,786 |
| Return on assets (ROA) | -0.6903% | 6,634 |
| Pretax return on assets | -0.6903% | 6,596 |
| Return on Equity (ROE) | -7.4709% | 6,657 |
| Retained earnings to average equity (ytd only) | -7.4709% | 6,600 |
| Net charge-offs to loans | 1.8562% | 780 |
| Credit loss provision to net charge-offs | 62.7457% | 5,098 |
| Earnings coverage of net charge-offs (x) | -0.4058% | 6,048 |
| Efficiency ratio | 113.5432% | 374 |
| Assets per employee ($millions) | 4.0768% | 3,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3768% | 1,499 |
| Loan loss allowance to noncurrent loans | 35.9816% | 5,842 |
| Noncurrent assets plus other real estate owned to assets | 5.3403% | 967 |
| Noncurrent loans to loans | 6.6055% | 699 |
| Net loans and leases to total assets | 53.7964% | 5,066 |
| Net loans and leases to deposits | 70.6001% | 4,007 |
| Net loans and leases to core deposits | 74.4588% | 4,182 |
| Total domestic deposits to total assets | 76.1988% | 6,458 |
| Equity capital to assets | 9.1685% | 5,332 |
| Core capital (leverage) ratio | 8.6652% | 5,303 |
| Tier 1 risk-based capital ratio | 13.6903% | 4,565 |
| Total risk-based capital ratio | 14.9505% | 4,515 |
| Memoranda: | ||
| Average total assets | $310,879,000 | 2,061 |
| Average earning assets | $278,700,200 | 2,106 |
| Average equity | $28,724,800 | 2,288 |
| Average total loans | $178,157,200 | 2,278 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1504% | 6,316 |
| Cost of funding earning assets | 1.2936% | 1,738 |
| Net interest margin | 2.8568% | 6,816 |
| Noninterest income to average assets | 0.5095% | 3,799 |
| Noninterest expense to average assets | 3.6137% | 1,680 |
| Loan and lease loss provision to assets | 0.8403% | 1,094 |
| Net operating income to assets | -1.3837% | 7,013 |
| Return on assets (ROA) | -0.9685% | 6,907 |
| Pretax return on assets | -0.9685% | 6,867 |
| Return on Equity (ROE) | -10.4612% | 6,904 |
| Retained earnings to average equity (ytd only) | -10.4612% | 6,870 |
| Net charge-offs to loans | 1.3073% | 1,181 |
| Credit loss provision to net charge-offs | 111.1048% | 2,960 |
| Earnings coverage of net charge-offs (x) | -0.7184% | 5,883 |
| Efficiency ratio | 117.6971% | 329 |
| Assets per employee ($millions) | 4.0571% | 3,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1199% | 784 |
| Loan loss allowance to noncurrent loans | 38.6540% | 5,706 |
| Noncurrent assets plus other real estate owned to assets | 6.6813% | 760 |
| Noncurrent loans to loans | 8.0714% | 543 |
| Net loans and leases to total assets | 55.2381% | 4,964 |
| Net loans and leases to deposits | 72.1157% | 3,968 |
| Net loans and leases to core deposits | 79.0146% | 3,770 |
| Total domestic deposits to total assets | 76.5965% | 6,440 |
| Equity capital to assets | 9.1977% | 5,518 |
| Core capital (leverage) ratio | 8.6780% | 5,444 |
| Tier 1 risk-based capital ratio | 13.3241% | 4,865 |
| Total risk-based capital ratio | 14.5927% | 4,819 |
| Memoranda: | ||
| Average total assets | $311,140,500 | 2,067 |
| Average earning assets | $278,903,500 | 2,111 |
| Average equity | $28,804,250 | 2,283 |
| Average total loans | $180,012,250 | 2,267 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2289% | 6,222 |
| Cost of funding earning assets | 1.3112% | 1,873 |
| Net interest margin | 2.9177% | 6,754 |
| Noninterest income to average assets | 0.2826% | 5,624 |
| Noninterest expense to average assets | 3.7568% | 1,433 |
| Loan and lease loss provision to assets | 0.6704% | 1,438 |
| Net operating income to assets | -1.5234% | 7,102 |
| Return on assets (ROA) | -1.3830% | 7,074 |
| Pretax return on assets | -1.3830% | 7,027 |
| Return on Equity (ROE) | -14.9073% | 7,064 |
| Retained earnings to average equity (ytd only) | -14.9073% | 7,036 |
| Net charge-offs to loans | 1.7584% | 808 |
| Credit loss provision to net charge-offs | 65.5799% | 4,187 |
| Earnings coverage of net charge-offs (x) | -0.8345% | 5,608 |
| Efficiency ratio | 129.3754% | 259 |
| Assets per employee ($millions) | 3.9399% | 3,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6942% | 1,186 |
| Loan loss allowance to noncurrent loans | 44.3322% | 5,362 |
| Noncurrent assets plus other real estate owned to assets | 5.5432% | 1,064 |
| Noncurrent loans to loans | 6.0772% | 971 |
| Net loans and leases to total assets | 55.7077% | 5,037 |
| Net loans and leases to deposits | 73.7447% | 3,846 |
| Net loans and leases to core deposits | 82.7578% | 3,395 |
| Total domestic deposits to total assets | 75.5414% | 6,666 |
| Equity capital to assets | 9.4071% | 4,963 |
| Core capital (leverage) ratio | 8.6546% | 5,298 |
| Tier 1 risk-based capital ratio | 13.1752% | 4,781 |
| Total risk-based capital ratio | 14.4384% | 4,752 |
| Memoranda: | ||
| Average total assets | $312,074,670 | 2,063 |
| Average earning assets | $280,354,330 | 2,102 |
| Average equity | $28,952,330 | 2,246 |
| Average total loans | $181,414,670 | 2,261 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2284% | 6,214 |
| Cost of funding earning assets | 1.3261% | 2,034 |
| Net interest margin | 2.9023% | 6,758 |
| Noninterest income to average assets | 0.0458% | 7,152 |
| Noninterest expense to average assets | 3.8937% | 1,178 |
| Loan and lease loss provision to assets | 0.9082% | 880 |
| Net operating income to assets | -2.1447% | 7,308 |
| Return on assets (ROA) | -1.9933% | 7,280 |
| Pretax return on assets | -1.9933% | 7,253 |
| Return on Equity (ROE) | -21.6332% | 7,237 |
| Retained earnings to average equity (ytd only) | -21.6332% | 7,183 |
| Net charge-offs to loans | 3.2017% | 331 |
| Credit loss provision to net charge-offs | 48.4396% | 3,786 |
| Earnings coverage of net charge-offs (x) | -0.6594% | 4,836 |
| Efficiency ratio | 146.5294% | 179 |
| Assets per employee ($millions) | 4.0981% | 3,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5389% | 1,406 |
| Loan loss allowance to noncurrent loans | 38.0620% | 5,760 |
| Noncurrent assets plus other real estate owned to assets | 6.1115% | 930 |
| Noncurrent loans to loans | 6.6703% | 869 |
| Net loans and leases to total assets | 56.5655% | 4,899 |
| Net loans and leases to deposits | 74.6915% | 3,651 |
| Net loans and leases to core deposits | 83.7749% | 3,191 |
| Total domestic deposits to total assets | 75.7321% | 6,709 |
| Equity capital to assets | 9.2095% | 4,858 |
| Core capital (leverage) ratio | 8.7722% | 4,967 |
| Tier 1 risk-based capital ratio | 13.2207% | 4,649 |
| Total risk-based capital ratio | 14.4824% | 4,616 |
| Memoranda: | ||
| Average total assets | $314,456,500 | 2,068 |
| Average earning assets | $282,944,500 | 2,093 |
| Average equity | $28,974,000 | 2,234 |
| Average total loans | $184,154,000 | 2,255 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2186% | 6,898 |
| Cost of funding earning assets | 1.9502% | 724 |
| Net interest margin | 2.2684% | 7,382 |
| Noninterest income to average assets | 0.7503% | 2,541 |
| Noninterest expense to average assets | 3.1728% | 3,183 |
| Loan and lease loss provision to assets | 0.8195% | 1,998 |
| Net operating income to assets | -1.1884% | 6,788 |
| Return on assets (ROA) | -0.7708% | 6,586 |
| Pretax return on assets | -0.7708% | 6,502 |
| Return on Equity (ROE) | -8.9365% | 6,673 |
| Retained earnings to average equity (ytd only) | -8.9365% | 6,588 |
| Net charge-offs to loans | 1.0332% | 2,134 |
| Credit loss provision to net charge-offs | 147.4263% | 2,485 |
| Earnings coverage of net charge-offs (x) | -0.6637% | 6,519 |
| Efficiency ratio | 113.1563% | 487 |
| Assets per employee ($millions) | 4.1225% | 3,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7848% | 1,075 |
| Loan loss allowance to noncurrent loans | 39.2388% | 5,685 |
| Noncurrent assets plus other real estate owned to assets | 5.8198% | 1,039 |
| Noncurrent loans to loans | 7.0972% | 788 |
| Net loans and leases to total assets | 57.4183% | 5,125 |
| Net loans and leases to deposits | 74.9382% | 4,035 |
| Net loans and leases to core deposits | 85.4992% | 3,396 |
| Total domestic deposits to total assets | 76.6209% | 6,546 |
| Equity capital to assets | 9.2183% | 4,810 |
| Core capital (leverage) ratio | 8.8099% | 4,838 |
| Tier 1 risk-based capital ratio | 13.2764% | 4,392 |
| Total risk-based capital ratio | 14.5412% | 4,339 |
| Memoranda: | ||
| Average total assets | $359,993,400 | 1,814 |
| Average earning assets | $325,914,400 | 1,831 |
| Average equity | $31,052,400 | 2,112 |
| Average total loans | $193,672,800 | 2,215 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2783% | 6,992 |
| Cost of funding earning assets | 2.0752% | 587 |
| Net interest margin | 2.2031% | 7,515 |
| Noninterest income to average assets | 1.0635% | 1,269 |
| Noninterest expense to average assets | 3.2214% | 2,854 |
| Loan and lease loss provision to assets | 1.0093% | 1,467 |
| Net operating income to assets | -1.1720% | 6,975 |
| Return on assets (ROA) | -0.6298% | 6,731 |
| Pretax return on assets | -0.6298% | 6,635 |
| Return on Equity (ROE) | -7.4126% | 6,807 |
| Retained earnings to average equity (ytd only) | -7.4126% | 6,736 |
| Net charge-offs to loans | 1.2469% | 1,634 |
| Credit loss provision to net charge-offs | 153.7363% | 2,505 |
| Earnings coverage of net charge-offs (x) | -0.2478% | 6,214 |
| Efficiency ratio | 105.3190% | 610 |
| Assets per employee ($millions) | 4.4839% | 2,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8346% | 976 |
| Loan loss allowance to noncurrent loans | 40.2529% | 5,604 |
| Noncurrent assets plus other real estate owned to assets | 5.6775% | 1,073 |
| Noncurrent loans to loans | 7.0419% | 798 |
| Net loans and leases to total assets | 54.1973% | 5,823 |
| Net loans and leases to deposits | 68.8863% | 5,300 |
| Net loans and leases to core deposits | 78.9459% | 4,674 |
| Total domestic deposits to total assets | 78.6764% | 6,096 |
| Equity capital to assets | 9.3630% | 5,032 |
| Core capital (leverage) ratio | 8.5553% | 5,413 |
| Tier 1 risk-based capital ratio | 14.1233% | 3,741 |
| Total risk-based capital ratio | 15.3889% | 3,703 |
| Memoranda: | ||
| Average total assets | $369,602,750 | 1,797 |
| Average earning assets | $334,737,500 | 1,806 |
| Average equity | $31,405,000 | 2,102 |
| Average total loans | $194,610,750 | 2,243 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3223% | 7,010 |
| Cost of funding earning assets | 2.1189% | 617 |
| Net interest margin | 2.2034% | 7,581 |
| Noninterest income to average assets | 1.1946% | 906 |
| Noninterest expense to average assets | 3.3606% | 2,371 |
| Loan and lease loss provision to assets | 1.3696% | 984 |
| Net operating income to assets | -1.5361% | 7,161 |
| Return on assets (ROA) | -1.1578% | 7,031 |
| Pretax return on assets | -1.1578% | 6,957 |
| Return on Equity (ROE) | -14.0482% | 7,111 |
| Retained earnings to average equity (ytd only) | -14.0482% | 7,072 |
| Net charge-offs to loans | 1.7811% | 1,046 |
| Credit loss provision to net charge-offs | 148.6317% | 2,655 |
| Earnings coverage of net charge-offs (x) | -0.1807% | 5,861 |
| Efficiency ratio | 105.2138% | 649 |
| Assets per employee ($millions) | 4.4592% | 2,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7234% | 1,065 |
| Loan loss allowance to noncurrent loans | 39.9677% | 5,682 |
| Noncurrent assets plus other real estate owned to assets | 5.4633% | 1,132 |
| Noncurrent loans to loans | 6.8140% | 853 |
| Net loans and leases to total assets | 52.6537% | 6,143 |
| Net loans and leases to deposits | 66.3596% | 5,762 |
| Net loans and leases to core deposits | 83.5535% | 4,202 |
| Total domestic deposits to total assets | 79.3461% | 5,932 |
| Equity capital to assets | 8.9401% | 5,540 |
| Core capital (leverage) ratio | 7.8092% | 6,481 |
| Tier 1 risk-based capital ratio | 13.0354% | 4,412 |
| Total risk-based capital ratio | 14.2985% | 4,353 |
| Memoranda: | ||
| Average total assets | $380,707,000 | 1,765 |
| Average earning assets | $345,462,000 | 1,770 |
| Average equity | $31,377,670 | 2,103 |
| Average total loans | $196,955,330 | 2,247 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2435% | 7,214 |
| Cost of funding earning assets | 2.1134% | 779 |
| Net interest margin | 2.1301% | 7,681 |
| Noninterest income to average assets | 1.0108% | 1,264 |
| Noninterest expense to average assets | 3.4751% | 2,050 |
| Loan and lease loss provision to assets | 2.3468% | 455 |
| Net operating income to assets | -2.8745% | 7,623 |
| Return on assets (ROA) | -2.7762% | 7,607 |
| Pretax return on assets | -2.7762% | 7,564 |
| Return on Equity (ROE) | -35.0069% | 7,618 |
| Retained earnings to average equity (ytd only) | -35.0069% | 7,598 |
| Net charge-offs to loans | 3.0106% | 513 |
| Credit loss provision to net charge-offs | 153.8513% | 2,327 |
| Earnings coverage of net charge-offs (x) | -0.3459% | 5,228 |
| Efficiency ratio | 117.7663% | 472 |
| Assets per employee ($millions) | 4.4154% | 3,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5942% | 1,188 |
| Loan loss allowance to noncurrent loans | 37.2721% | 5,885 |
| Noncurrent assets plus other real estate owned to assets | 5.2397% | 1,202 |
| Noncurrent loans to loans | 6.9601% | 862 |
| Net loans and leases to total assets | 49.7764% | 6,483 |
| Net loans and leases to deposits | 62.6367% | 6,214 |
| Net loans and leases to core deposits | 77.0446% | 5,133 |
| Total domestic deposits to total assets | 79.4683% | 5,964 |
| Equity capital to assets | 7.8002% | 6,851 |
| Core capital (leverage) ratio | 7.1873% | 7,113 |
| Tier 1 risk-based capital ratio | 11.7938% | 5,403 |
| Total risk-based capital ratio | 13.0105% | 5,381 |
| Memoranda: | ||
| Average total assets | $394,922,000 | 1,747 |
| Average earning assets | $359,045,500 | 1,747 |
| Average equity | $31,319,500 | 2,126 |
| Average total loans | $200,093,000 | 2,278 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6308% | 7,237 |
| Cost of funding earning assets | 2.4998% | 1,027 |
| Net interest margin | 2.1310% | 7,687 |
| Noninterest income to average assets | 0.8509% | 2,175 |
| Noninterest expense to average assets | 6.0307% | 303 |
| Loan and lease loss provision to assets | 1.0463% | 2,191 |
| Net operating income to assets | -4.3243% | 7,656 |
| Return on assets (ROA) | -3.8291% | 7,576 |
| Pretax return on assets | -3.8291% | 7,487 |
| Return on Equity (ROE) | -35.1321% | 7,493 |
| Retained earnings to average equity (ytd only) | -35.8733% | 7,490 |
| Net charge-offs to loans | 1.9438% | 1,277 |
| Credit loss provision to net charge-offs | 103.6145% | 5,333 |
| Earnings coverage of net charge-offs (x) | -3.2460% | 7,066 |
| Efficiency ratio | 131.1323% | 467 |
| Assets per employee ($millions) | 4.4098% | 3,093 |
| Cash dividends to net income (ytd only)* | -2.1098% | 7,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1525% | 1,728 |
| Loan loss allowance to noncurrent loans | 27.3300% | 6,651 |
| Noncurrent assets plus other real estate owned to assets | 5.7490% | 1,000 |
| Noncurrent loans to loans | 7.8760% | 651 |
| Net loans and leases to total assets | 49.1632% | 6,712 |
| Net loans and leases to deposits | 61.8766% | 6,483 |
| Net loans and leases to core deposits | 82.3786% | 5,882 |
| Total domestic deposits to total assets | 79.4537% | 5,862 |
| Equity capital to assets | 8.0568% | 6,519 |
| Core capital (leverage) ratio | 7.4952% | 6,792 |
| Tier 1 risk-based capital ratio | 12.8341% | 4,258 |
| Total risk-based capital ratio | 13.9834% | 4,280 |
| Memoranda: | ||
| Average total assets | $410,961,400 | 1,680 |
| Average earning assets | $366,783,800 | 1,717 |
| Average equity | $44,791,000 | 1,498 |
| Average total loans | $213,504,000 | 2,158 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7722% | 7,166 |
| Cost of funding earning assets | 2.5493% | 1,157 |
| Net interest margin | 2.2229% | 7,699 |
| Noninterest income to average assets | 0.8344% | 2,264 |
| Noninterest expense to average assets | 3.2821% | 2,988 |
| Loan and lease loss provision to assets | 0.7396% | 2,527 |
| Net operating income to assets | -1.2131% | 6,963 |
| Return on assets (ROA) | -0.8586% | 6,730 |
| Pretax return on assets | -0.8586% | 6,577 |
| Return on Equity (ROE) | -7.4088% | 6,693 |
| Retained earnings to average equity (ytd only) | -8.3328% | 6,640 |
| Net charge-offs to loans | 1.5570% | 1,315 |
| Credit loss provision to net charge-offs | 90.7041% | 5,463 |
| Earnings coverage of net charge-offs (x) | -0.5807% | 6,508 |
| Efficiency ratio | 116.7203% | 642 |
| Assets per employee ($millions) | 4.2165% | 3,350 |
| Cash dividends to net income (ytd only)* | -12.4720% | 7,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9330% | 1,951 |
| Loan loss allowance to noncurrent loans | 25.2425% | 6,772 |
| Noncurrent assets plus other real estate owned to assets | 5.9728% | 907 |
| Noncurrent loans to loans | 7.6579% | 662 |
| Net loans and leases to total assets | 50.0905% | 6,776 |
| Net loans and leases to deposits | 66.0675% | 6,301 |
| Net loans and leases to core deposits | 88.7731% | 5,552 |
| Total domestic deposits to total assets | 75.8172% | 6,615 |
| Equity capital to assets | 11.5776% | 2,526 |
| Core capital (leverage) ratio | 8.5536% | 5,391 |
| Tier 1 risk-based capital ratio | 14.1637% | 3,463 |
| Total risk-based capital ratio | 15.3181% | 3,454 |
| Memoranda: | ||
| Average total assets | $413,379,750 | 1,688 |
| Average earning assets | $367,145,500 | 1,729 |
| Average equity | $47,906,000 | 1,426 |
| Average total loans | $216,473,500 | 2,160 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9157% | 6,993 |
| Cost of funding earning assets | 2.5782% | 1,348 |
| Net interest margin | 2.3374% | 7,640 |
| Noninterest income to average assets | 0.8955% | 2,007 |
| Noninterest expense to average assets | 3.3387% | 2,829 |
| Loan and lease loss provision to assets | 0.6728% | 2,415 |
| Net operating income to assets | -1.0339% | 7,011 |
| Return on assets (ROA) | -0.8112% | 6,844 |
| Pretax return on assets | -0.8112% | 6,688 |
| Return on Equity (ROE) | -6.9977% | 6,800 |
| Retained earnings to average equity (ytd only) | -8.0263% | 6,669 |
| Net charge-offs to loans | 1.4145% | 1,331 |
| Credit loss provision to net charge-offs | 90.1219% | 4,919 |
| Earnings coverage of net charge-offs (x) | -0.4836% | 6,067 |
| Efficiency ratio | 111.9974% | 795 |
| Assets per employee ($millions) | 4.2315% | 3,231 |
| Cash dividends to net income (ytd only)* | -14.6989% | 7,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8739% | 1,859 |
| Loan loss allowance to noncurrent loans | 19.8857% | 7,133 |
| Noncurrent assets plus other real estate owned to assets | 6.4723% | 710 |
| Noncurrent loans to loans | 9.4231% | 393 |
| Net loans and leases to total assets | 52.0281% | 6,688 |
| Net loans and leases to deposits | 68.2969% | 6,152 |
| Net loans and leases to core deposits | 95.5103% | 4,958 |
| Total domestic deposits to total assets | 76.1792% | 6,513 |
| Equity capital to assets | 11.5814% | 2,483 |
| Core capital (leverage) ratio | 8.6891% | 5,105 |
| Tier 1 risk-based capital ratio | 13.6969% | 3,691 |
| Total risk-based capital ratio | 14.8642% | 3,673 |
| Memoranda: | ||
| Average total assets | $417,651,330 | 1,693 |
| Average earning assets | $372,035,330 | 1,732 |
| Average equity | $48,416,000 | 1,426 |
| Average total loans | $220,431,330 | 2,152 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0704% | 6,739 |
| Cost of funding earning assets | 2.5765% | 1,633 |
| Net interest margin | 2.4939% | 7,510 |
| Noninterest income to average assets | 0.9476% | 1,650 |
| Noninterest expense to average assets | 3.1065% | 3,350 |
| Loan and lease loss provision to assets | 0.5574% | 2,251 |
| Net operating income to assets | -0.4913% | 6,862 |
| Return on assets (ROA) | -0.4913% | 6,920 |
| Pretax return on assets | -0.4913% | 6,813 |
| Return on Equity (ROE) | -4.2362% | 6,912 |
| Retained earnings to average equity (ytd only) | -5.2463% | 6,586 |
| Net charge-offs to loans | 0.3570% | 2,657 |
| Credit loss provision to net charge-offs | 296.4824% | 1,642 |
| Earnings coverage of net charge-offs (x) | 0.3518% | 4,692 |
| Efficiency ratio | 97.7963% | 1,228 |
| Assets per employee ($millions) | 4.0461% | 3,563 |
| Cash dividends to net income (ytd only)* | -23.8462% | 8,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0687% | 1,295 |
| Loan loss allowance to noncurrent loans | 30.1679% | 6,542 |
| Noncurrent assets plus other real estate owned to assets | 4.9084% | 934 |
| Noncurrent loans to loans | 6.8573% | 603 |
| Net loans and leases to total assets | 52.0361% | 6,678 |
| Net loans and leases to deposits | 69.2999% | 6,047 |
| Net loans and leases to core deposits | 97.5257% | 4,798 |
| Total domestic deposits to total assets | 75.0882% | 6,695 |
| Equity capital to assets | 11.7975% | 2,385 |
| Core capital (leverage) ratio | 8.7350% | 5,089 |
| Tier 1 risk-based capital ratio | 13.6210% | 3,791 |
| Total risk-based capital ratio | 14.8070% | 3,756 |
| Memoranda: | ||
| Average total assets | $423,366,500 | 1,685 |
| Average earning assets | $377,725,000 | 1,716 |
| Average equity | $49,101,000 | 1,406 |
| Average total loans | $222,954,500 | 2,158 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9322% | 5,891 |
| Cost of funding earning assets | 2.7674% | 2,843 |
| Net interest margin | 3.1648% | 6,480 |
| Noninterest income to average assets | 1.0467% | 1,436 |
| Noninterest expense to average assets | 3.1339% | 3,568 |
| Loan and lease loss provision to assets | 0.8012% | 1,852 |
| Net operating income to assets | -0.0695% | 6,469 |
| Return on assets (ROA) | -0.0614% | 6,306 |
| Pretax return on assets | -0.0614% | 6,221 |
| Return on Equity (ROE) | -0.4994% | 6,297 |
| Retained earnings to average equity (ytd only) | -3.4095% | 6,211 |
| Net charge-offs to loans | 1.2991% | 924 |
| Credit loss provision to net charge-offs | 108.3667% | 4,957 |
| Earnings coverage of net charge-offs (x) | 0.9897% | 5,632 |
| Efficiency ratio | 80.9691% | 2,451 |
| Assets per employee ($millions) | 4.0951% | 3,319 |
| Cash dividends to net income (ytd only)* | -582.7309% | 8,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8666% | 1,493 |
| Loan loss allowance to noncurrent loans | 29.8476% | 6,712 |
| Noncurrent assets plus other real estate owned to assets | 4.4016% | 871 |
| Noncurrent loans to loans | 6.2539% | 534 |
| Net loans and leases to total assets | 51.2294% | 6,913 |
| Net loans and leases to deposits | 67.5073% | 6,506 |
| Net loans and leases to core deposits | 94.2846% | 5,426 |
| Total domestic deposits to total assets | 75.8871% | 6,275 |
| Equity capital to assets | 11.4042% | 2,697 |
| Core capital (leverage) ratio | 9.2160% | 4,418 |
| Tier 1 risk-based capital ratio | 13.5483% | 3,794 |
| Total risk-based capital ratio | 14.7490% | 3,720 |
| Memoranda: | ||
| Average total assets | $405,752,800 | 1,677 |
| Average earning assets | $361,416,400 | 1,719 |
| Average equity | $49,861,200 | 1,360 |
| Average total loans | $230,932,600 | 2,041 |