Home > First National Bank Minnesota > Performance and Condition Ratios
First National Bank Minnesota, 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 | 4.7674% | 2,541 |
| Cost of funding earning assets | 1.2356% | 2,710 |
| Net interest margin | 3.5318% | 2,116 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 2.4405% | 2,473 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.1239% | 1,845 |
| Return on assets (ROA) | 1.1324% | 1,807 |
| Pretax return on assets | 1.2571% | 1,989 |
| Return on Equity (ROE) | 14.9700% | 1,296 |
| Retained earnings to average equity (ytd only) | 1.4324% | 3,731 |
| Net charge-offs to loans | 0.0132% | 2,157 |
| Credit loss provision to net charge-offs | 911.1111% | 441 |
| Earnings coverage of net charge-offs (x) | 132.7111% | 771 |
| Efficiency ratio | 63.1713% | 2,709 |
| Assets per employee ($millions) | 7.2819% | 1,872 |
| Cash dividends to net income (ytd only)* | 90.4319% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3115% | 1,712 |
| Loan loss allowance to noncurrent loans | 273.7361% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.3593% | 1,526 |
| Noncurrent loans to loans | 0.4791% | 1,589 |
| Net loans and leases to total assets | 74.0000% | 1,364 |
| Net loans and leases to deposits | 83.3660% | 1,826 |
| Net loans and leases to core deposits | 87.4970% | 2,210 |
| Total domestic deposits to total assets | 88.7700% | 1,135 |
| Equity capital to assets | 7.7811% | 3,557 |
| Core capital (leverage) ratio | 8.4808% | 4,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2564% | 2,511 |
| Memoranda: | ||
| Average total assets | $445,771,600 | 1,873 |
| Average earning assets | $415,344,200 | 1,854 |
| Average equity | $33,720,400 | 2,110 |
| Average total loans | $340,366,400 | 1,647 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7280% | 2,415 |
| Cost of funding earning assets | 1.1549% | 2,578 |
| Net interest margin | 3.5731% | 2,069 |
| Noninterest income to average assets | 0.4800% | 2,060 |
| Noninterest expense to average assets | 2.4284% | 2,439 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.2001% | 1,801 |
| Return on assets (ROA) | 1.2068% | 1,768 |
| Pretax return on assets | 1.2948% | 2,059 |
| Return on Equity (ROE) | 16.0700% | 1,247 |
| Retained earnings to average equity (ytd only) | 2.6732% | 3,591 |
| Net charge-offs to loans | 0.0180% | 1,776 |
| Credit loss provision to net charge-offs | 728.2609% | 499 |
| Earnings coverage of net charge-offs (x) | 100.5652% | 914 |
| Efficiency ratio | 62.2455% | 2,688 |
| Assets per employee ($millions) | 6.7955% | 2,106 |
| Cash dividends to net income (ytd only)* | 83.3665% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2860% | 1,931 |
| Loan loss allowance to noncurrent loans | 268.2237% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.3741% | 1,539 |
| Noncurrent loans to loans | 0.4794% | 1,624 |
| Net loans and leases to total assets | 77.0200% | 993 |
| Net loans and leases to deposits | 86.2900% | 1,535 |
| Net loans and leases to core deposits | 90.1898% | 1,920 |
| Total domestic deposits to total assets | 89.2600% | 1,172 |
| Equity capital to assets | 7.3323% | 3,451 |
| Core capital (leverage) ratio | 8.2684% | 4,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1890% | 2,554 |
| Memoranda: | ||
| Average total assets | $444,345,000 | 1,877 |
| Average earning assets | $414,454,000 | 1,855 |
| Average equity | $33,368,000 | 2,109 |
| Average total loans | $340,819,000 | 1,639 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5752% | 2,470 |
| Cost of funding earning assets | 1.0323% | 2,496 |
| Net interest margin | 3.5429% | 2,169 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 2.4045% | 2,468 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 1.1697% | 1,908 |
| Return on assets (ROA) | 1.1768% | 1,885 |
| Pretax return on assets | 1.2639% | 2,178 |
| Return on Equity (ROE) | 15.5500% | 1,352 |
| Retained earnings to average equity (ytd only) | 2.4925% | 3,603 |
| Net charge-offs to loans | 0.0275% | 1,334 |
| Credit loss provision to net charge-offs | 553.1915% | 606 |
| Earnings coverage of net charge-offs (x) | 65.3404% | 1,148 |
| Efficiency ratio | 62.2767% | 2,680 |
| Assets per employee ($millions) | 7.1260% | 1,829 |
| Cash dividends to net income (ytd only)* | 83.9727% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2513% | 2,166 |
| Loan loss allowance to noncurrent loans | 325.8359% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.2886% | 1,763 |
| Noncurrent loans to loans | 0.3840% | 1,774 |
| Net loans and leases to total assets | 74.2000% | 1,265 |
| Net loans and leases to deposits | 86.1279% | 1,494 |
| Net loans and leases to core deposits | 89.1357% | 1,856 |
| Total domestic deposits to total assets | 86.1500% | 2,185 |
| Equity capital to assets | 7.3799% | 3,589 |
| Core capital (leverage) ratio | 8.3033% | 4,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9076% | 2,654 |
| Memoranda: | ||
| Average total assets | $447,489,333 | 1,863 |
| Average earning assets | $417,119,000 | 1,850 |
| Average equity | $33,861,000 | 2,104 |
| Average total loans | $341,309,333 | 1,627 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4743% | 2,378 |
| Cost of funding earning assets | 0.8974% | 2,379 |
| Net interest margin | 3.5769% | 2,175 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 2.4260% | 2,452 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.1658% | 2,035 |
| Return on assets (ROA) | 1.1733% | 1,976 |
| Pretax return on assets | 1.2816% | 2,224 |
| Return on Equity (ROE) | 15.3100% | 1,492 |
| Retained earnings to average equity (ytd only) | 15.3108% | 756 |
| Net charge-offs to loans | -0.0012% | 3,336 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.3370% | 2,647 |
| Assets per employee ($millions) | 7.0427% | 1,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2378% | 2,347 |
| Loan loss allowance to noncurrent loans | 395.4760% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.2391% | 1,919 |
| Noncurrent loans to loans | 0.3130% | 2,024 |
| Net loans and leases to total assets | 75.4600% | 1,026 |
| Net loans and leases to deposits | 87.0965% | 1,283 |
| Net loans and leases to core deposits | 89.5043% | 1,648 |
| Total domestic deposits to total assets | 86.6400% | 2,394 |
| Equity capital to assets | 7.9066% | 3,309 |
| Core capital (leverage) ratio | 8.5444% | 4,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1156% | 2,694 |
| Memoranda: | ||
| Average total assets | $443,201,500 | 1,897 |
| Average earning assets | $412,311,500 | 1,896 |
| Average equity | $33,963,000 | 2,126 |
| Average total loans | $340,620,000 | 1,649 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0942% | 1,488 |
| Cost of funding earning assets | 0.3032% | 2,849 |
| Net interest margin | 3.7910% | 1,175 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 2.5014% | 2,112 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 1.2040% | 1,754 |
| Return on assets (ROA) | 1.1253% | 2,014 |
| Pretax return on assets | 1.2549% | 2,262 |
| Return on Equity (ROE) | 13.5800% | 1,633 |
| Retained earnings to average equity (ytd only) | 3.1809% | 3,673 |
| Net charge-offs to loans | -0.0157% | 3,970 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.8806% | 2,928 |
| Assets per employee ($millions) | 7.1405% | 1,866 |
| Cash dividends to net income (ytd only)* | 76.5688% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1907% | 2,436 |
| Loan loss allowance to noncurrent loans | 12,734.3750% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.0072% | 3,835 |
| Noncurrent loans to loans | 0.0094% | 3,784 |
| Net loans and leases to total assets | 76.3900% | 972 |
| Net loans and leases to deposits | 87.9554% | 1,176 |
| Net loans and leases to core deposits | 90.6680% | 1,468 |
| Total domestic deposits to total assets | 86.8500% | 2,443 |
| Equity capital to assets | 7.4190% | 3,422 |
| Core capital (leverage) ratio | 8.2192% | 4,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6645% | 2,819 |
| Memoranda: | ||
| Average total assets | $420,601,800 | 1,951 |
| Average earning assets | $391,533,600 | 1,941 |
| Average equity | $34,864,800 | 2,117 |
| Average total loans | $306,602,400 | 1,696 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9644% | 1,338 |
| Cost of funding earning assets | 0.1606% | 3,727 |
| Net interest margin | 3.8038% | 948 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 2.5498% | 1,864 |
| Loan and lease loss provision to assets | 0.1900% | 485 |
| Net operating income to assets | 1.1571% | 1,870 |
| Return on assets (ROA) | 1.0867% | 2,120 |
| Pretax return on assets | 1.2328% | 2,248 |
| Return on Equity (ROE) | 12.7500% | 1,788 |
| Retained earnings to average equity (ytd only) | 4.4708% | 3,297 |
| Net charge-offs to loans | -0.0269% | 4,104 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.5787% | 2,883 |
| Assets per employee ($millions) | 6.8617% | 2,052 |
| Cash dividends to net income (ytd only)* | 64.9424% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2116% | 2,469 |
| Loan loss allowance to noncurrent loans | 1,426.4493% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.0649% | 3,241 |
| Noncurrent loans to loans | 0.0849% | 3,269 |
| Net loans and leases to total assets | 75.4500% | 969 |
| Net loans and leases to deposits | 85.0183% | 1,234 |
| Net loans and leases to core deposits | 85.8882% | 1,527 |
| Total domestic deposits to total assets | 88.7500% | 2,185 |
| Equity capital to assets | 7.3126% | 3,330 |
| Core capital (leverage) ratio | 8.4075% | 4,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2493% | 2,732 |
| Memoranda: | ||
| Average total assets | $415,074,000 | 1,981 |
| Average earning assets | $386,935,500 | 1,972 |
| Average equity | $35,369,750 | 2,128 |
| Average total loans | $297,691,750 | 1,721 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8021% | 1,311 |
| Cost of funding earning assets | 0.1027% | 4,163 |
| Net interest margin | 3.6994% | 912 |
| Noninterest income to average assets | 0.5145% | 2,117 |
| Noninterest expense to average assets | 2.5650% | 1,740 |
| Loan and lease loss provision to assets | 0.1749% | 504 |
| Net operating income to assets | 1.0650% | 1,916 |
| Return on assets (ROA) | 1.0583% | 1,912 |
| Pretax return on assets | 1.2137% | 2,030 |
| Return on Equity (ROE) | 11.8403% | 1,707 |
| Retained earnings to average equity (ytd only) | -0.1033% | 4,185 |
| Net charge-offs to loans | -0.0346% | 4,103 |
| Credit loss provision to net charge-offs | -720.0000% | 3,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3141% | 2,865 |
| Assets per employee ($millions) | 6.8788% | 2,021 |
| Cash dividends to net income (ytd only)* | 100.8724% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1874% | 2,751 |
| Loan loss allowance to noncurrent loans | 11,233.3333% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 3,959 |
| Noncurrent loans to loans | 0.0106% | 3,908 |
| Net loans and leases to total assets | 72.3318% | 1,069 |
| Net loans and leases to deposits | 80.4925% | 1,347 |
| Net loans and leases to core deposits | 81.2164% | 1,645 |
| Total domestic deposits to total assets | 89.8616% | 1,764 |
| Equity capital to assets | 7.7916% | 3,276 |
| Core capital (leverage) ratio | 8.5454% | 3,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1074% | 2,787 |
| Memoranda: | ||
| Average total assets | $411,622,667 | 2,002 |
| Average earning assets | $383,526,667 | 2,012 |
| Average equity | $36,789,667 | 2,122 |
| Average total loans | $288,609,333 | 1,759 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7370% | 1,201 |
| Cost of funding earning assets | 0.0819% | 4,336 |
| Net interest margin | 3.6552% | 813 |
| Noninterest income to average assets | 0.5156% | 2,065 |
| Noninterest expense to average assets | 2.6572% | 1,459 |
| Loan and lease loss provision to assets | 0.0594% | 1,338 |
| Net operating income to assets | 1.1520% | 1,372 |
| Return on assets (ROA) | 1.1529% | 1,368 |
| Pretax return on assets | 1.2024% | 1,808 |
| Return on Equity (ROE) | 12.0821% | 1,282 |
| Retained earnings to average equity (ytd only) | 12.0821% | 590 |
| Net charge-offs to loans | -0.0014% | 3,059 |
| Credit loss provision to net charge-offs | -6,000.0000% | 3,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3551% | 2,723 |
| Assets per employee ($millions) | 6.6930% | 2,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1883% | 2,919 |
| Loan loss allowance to noncurrent loans | 9,594.2857% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.0086% | 3,985 |
| Noncurrent loans to loans | 0.0124% | 3,926 |
| Net loans and leases to total assets | 68.3926% | 1,177 |
| Net loans and leases to deposits | 75.3412% | 1,502 |
| Net loans and leases to core deposits | 75.8564% | 1,791 |
| Total domestic deposits to total assets | 90.7772% | 1,147 |
| Equity capital to assets | 9.0018% | 2,706 |
| Core capital (leverage) ratio | 9.1538% | 3,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2357% | 2,512 |
| Memoranda: | ||
| Average total assets | $404,191,000 | 2,038 |
| Average earning assets | $376,234,500 | 2,044 |
| Average equity | $38,569,500 | 2,106 |
| Average total loans | $276,818,000 | 1,806 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0630% | 1,223 |
| Cost of funding earning assets | 0.1022% | 4,370 |
| Net interest margin | 3.9609% | 768 |
| Noninterest income to average assets | 0.5647% | 2,303 |
| Noninterest expense to average assets | 2.5758% | 1,934 |
| Loan and lease loss provision to assets | 0.0619% | 1,833 |
| Net operating income to assets | 1.4806% | 1,061 |
| Return on assets (ROA) | 1.5062% | 1,044 |
| Pretax return on assets | 1.6317% | 1,332 |
| Return on Equity (ROE) | 14.0751% | 1,165 |
| Retained earnings to average equity (ytd only) | 1.2765% | 4,181 |
| Net charge-offs to loans | 0.0024% | 2,543 |
| Credit loss provision to net charge-offs | 4,000.0000% | 175 |
| Earnings coverage of net charge-offs (x) | 1,077.1667% | 132 |
| Efficiency ratio | 59.3061% | 3,253 |
| Assets per employee ($millions) | 6.3510% | 2,449 |
| Cash dividends to net income (ytd only)* | 90.9309% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2164% | 2,804 |
| Loan loss allowance to noncurrent loans | 8,676.3158% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0512% | 3,624 |
| Noncurrent loans to loans | 0.0140% | 3,989 |
| Net loans and leases to total assets | 66.9198% | 1,382 |
| Net loans and leases to deposits | 74.7304% | 1,674 |
| Net loans and leases to core deposits | 75.2576% | 1,977 |
| Total domestic deposits to total assets | 89.5484% | 1,211 |
| Equity capital to assets | 10.0940% | 2,562 |
| Core capital (leverage) ratio | 8.7870% | 3,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3423% | 2,512 |
| Memoranda: | ||
| Average total assets | $388,000,400 | 2,029 |
| Average earning assets | $360,173,400 | 2,042 |
| Average equity | $41,520,200 | 2,027 |
| Average total loans | $253,331,400 | 1,910 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1288% | 1,240 |
| Cost of funding earning assets | 0.1067% | 4,448 |
| Net interest margin | 4.0221% | 764 |
| Noninterest income to average assets | 0.5850% | 2,272 |
| Noninterest expense to average assets | 2.5591% | 1,958 |
| Loan and lease loss provision to assets | 0.0623% | 1,756 |
| Net operating income to assets | 1.6950% | 836 |
| Return on assets (ROA) | 1.7040% | 859 |
| Pretax return on assets | 1.7054% | 1,390 |
| Return on Equity (ROE) | 15.6921% | 1,004 |
| Retained earnings to average equity (ytd only) | 1.4034% | 4,323 |
| Net charge-offs to loans | 0.0091% | 1,985 |
| Credit loss provision to net charge-offs | 1,058.8235% | 500 |
| Earnings coverage of net charge-offs (x) | 298.7059% | 439 |
| Efficiency ratio | 57.8648% | 3,284 |
| Assets per employee ($millions) | 6.2937% | 2,428 |
| Cash dividends to net income (ytd only)* | 91.0569% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2920% | 2,530 |
| Loan loss allowance to noncurrent loans | 8,718.9189% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.0611% | 3,709 |
| Noncurrent loans to loans | 0.0148% | 4,098 |
| Net loans and leases to total assets | 61.1885% | 2,114 |
| Net loans and leases to deposits | 68.3570% | 2,411 |
| Net loans and leases to core deposits | 68.8414% | 2,701 |
| Total domestic deposits to total assets | 89.5131% | 1,000 |
| Equity capital to assets | 10.2322% | 2,676 |
| Core capital (leverage) ratio | 8.9076% | 3,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0130% | 2,360 |
| Memoranda: | ||
| Average total assets | $384,973,000 | 2,068 |
| Average earning assets | $357,284,500 | 2,066 |
| Average equity | $41,803,500 | 2,048 |
| Average total loans | $248,901,750 | 1,962 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3740% | 884 |
| Cost of funding earning assets | 0.1104% | 4,505 |
| Net interest margin | 4.2636% | 523 |
| Noninterest income to average assets | 0.5894% | 2,267 |
| Noninterest expense to average assets | 2.6172% | 1,814 |
| Loan and lease loss provision to assets | 0.0633% | 1,774 |
| Net operating income to assets | 1.8589% | 638 |
| Return on assets (ROA) | 1.8690% | 654 |
| Pretax return on assets | 1.8711% | 1,072 |
| Return on Equity (ROE) | 16.8668% | 805 |
| Retained earnings to average equity (ytd only) | 2.3286% | 4,043 |
| Net charge-offs to loans | 0.0064% | 1,910 |
| Credit loss provision to net charge-offs | 1,500.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 455.8750% | 284 |
| Efficiency ratio | 56.2682% | 3,511 |
| Assets per employee ($millions) | 6.1702% | 2,459 |
| Cash dividends to net income (ytd only)* | 86.1942% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2383% | 2,735 |
| Loan loss allowance to noncurrent loans | 7,055.5556% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.0653% | 3,781 |
| Noncurrent loans to loans | 0.0176% | 4,135 |
| Net loans and leases to total assets | 65.1423% | 1,806 |
| Net loans and leases to deposits | 73.1312% | 2,088 |
| Net loans and leases to core deposits | 73.6157% | 2,448 |
| Total domestic deposits to total assets | 89.0759% | 1,243 |
| Equity capital to assets | 10.6678% | 2,246 |
| Core capital (leverage) ratio | 9.1554% | 3,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7593% | 2,450 |
| Memoranda: | ||
| Average total assets | $379,031,333 | 2,079 |
| Average earning assets | $351,350,333 | 2,082 |
| Average equity | $41,999,667 | 2,032 |
| Average total loans | $248,638,333 | 1,970 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5548% | 721 |
| Cost of funding earning assets | 0.1154% | 4,548 |
| Net interest margin | 4.4394% | 401 |
| Noninterest income to average assets | 0.5997% | 2,216 |
| Noninterest expense to average assets | 2.6564% | 1,723 |
| Loan and lease loss provision to assets | 0.0641% | 1,857 |
| Net operating income to assets | 1.9862% | 580 |
| Return on assets (ROA) | 2.0022% | 613 |
| Pretax return on assets | 2.0065% | 938 |
| Return on Equity (ROE) | 17.7260% | 757 |
| Retained earnings to average equity (ytd only) | 17.7260% | 376 |
| Net charge-offs to loans | 0.0147% | 1,450 |
| Credit loss provision to net charge-offs | 666.6667% | 522 |
| Earnings coverage of net charge-offs (x) | 213.5556% | 383 |
| Efficiency ratio | 55.0715% | 3,656 |
| Assets per employee ($millions) | 6.0465% | 2,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2543% | 2,641 |
| Loan loss allowance to noncurrent loans | 2,413.9535% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.0738% | 3,844 |
| Noncurrent loans to loans | 0.0520% | 4,029 |
| Net loans and leases to total assets | 64.3547% | 2,001 |
| Net loans and leases to deposits | 72.6779% | 2,245 |
| Net loans and leases to core deposits | 73.1714% | 2,598 |
| Total domestic deposits to total assets | 88.5478% | 1,590 |
| Equity capital to assets | 11.2375% | 1,690 |
| Core capital (leverage) ratio | 9.9759% | 2,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2305% | 2,193 |
| Memoranda: | ||
| Average total assets | $374,187,000 | 2,086 |
| Average earning assets | $346,536,000 | 2,094 |
| Average equity | $42,265,500 | 2,014 |
| Average total loans | $244,759,500 | 1,996 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4946% | 1,325 |
| Cost of funding earning assets | 0.2586% | 4,344 |
| Net interest margin | 4.2359% | 585 |
| Noninterest income to average assets | 0.5841% | 2,280 |
| Noninterest expense to average assets | 2.7998% | 1,942 |
| Loan and lease loss provision to assets | 0.2760% | 1,388 |
| Net operating income to assets | 1.3902% | 1,041 |
| Return on assets (ROA) | 1.4091% | 1,082 |
| Pretax return on assets | 1.4110% | 1,624 |
| Return on Equity (ROE) | 12.3065% | 1,231 |
| Retained earnings to average equity (ytd only) | 5.2886% | 2,145 |
| Net charge-offs to loans | 0.1394% | 1,158 |
| Credit loss provision to net charge-offs | 296.9697% | 1,748 |
| Earnings coverage of net charge-offs (x) | 17.9485% | 2,047 |
| Efficiency ratio | 61.4221% | 3,237 |
| Assets per employee ($millions) | 5.9265% | 2,408 |
| Cash dividends to net income (ytd only)* | 57.0258% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2696% | 2,573 |
| Loan loss allowance to noncurrent loans | 4,439.1304% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0601% | 4,044 |
| Noncurrent loans to loans | 0.0286% | 4,200 |
| Net loans and leases to total assets | 64.8250% | 2,252 |
| Net loans and leases to deposits | 73.3838% | 2,552 |
| Net loans and leases to core deposits | 74.0355% | 2,914 |
| Total domestic deposits to total assets | 88.3370% | 1,309 |
| Equity capital to assets | 11.3552% | 1,985 |
| Core capital (leverage) ratio | 9.6601% | 2,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9785% | 2,242 |
| Memoranda: | ||
| Average total assets | $355,061,600 | 2,025 |
| Average earning assets | $325,549,600 | 2,051 |
| Average equity | $40,653,200 | 2,001 |
| Average total loans | $236,810,200 | 1,989 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5457% | 1,463 |
| Cost of funding earning assets | 0.2988% | 4,317 |
| Net interest margin | 4.2469% | 663 |
| Noninterest income to average assets | 0.5815% | 2,247 |
| Noninterest expense to average assets | 2.8578% | 1,807 |
| Loan and lease loss provision to assets | 0.2577% | 1,574 |
| Net operating income to assets | 1.3520% | 1,226 |
| Return on assets (ROA) | 1.3751% | 1,259 |
| Pretax return on assets | 1.3770% | 1,803 |
| Return on Equity (ROE) | 11.9842% | 1,372 |
| Retained earnings to average equity (ytd only) | 6.8736% | 1,748 |
| Net charge-offs to loans | 0.1855% | 802 |
| Credit loss provision to net charge-offs | 207.3171% | 2,086 |
| Earnings coverage of net charge-offs (x) | 12.9695% | 2,220 |
| Efficiency ratio | 62.7649% | 2,950 |
| Assets per employee ($millions) | 5.7758% | 2,474 |
| Cash dividends to net income (ytd only)* | 42.6446% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1144% | 3,134 |
| Loan loss allowance to noncurrent loans | 725.7218% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.1539% | 3,645 |
| Noncurrent loans to loans | 0.1536% | 3,773 |
| Net loans and leases to total assets | 68.5164% | 2,170 |
| Net loans and leases to deposits | 78.3112% | 2,505 |
| Net loans and leases to core deposits | 79.0331% | 2,920 |
| Total domestic deposits to total assets | 87.4925% | 1,455 |
| Equity capital to assets | 11.6437% | 1,908 |
| Core capital (leverage) ratio | 9.6863% | 3,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9960% | 2,203 |
| Memoranda: | ||
| Average total assets | $351,966,250 | 2,020 |
| Average earning assets | $322,203,250 | 2,046 |
| Average equity | $40,385,500 | 1,997 |
| Average total loans | $235,698,250 | 1,992 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7823% | 1,216 |
| Cost of funding earning assets | 0.3568% | 4,238 |
| Net interest margin | 4.4255% | 586 |
| Noninterest income to average assets | 0.5550% | 2,331 |
| Noninterest expense to average assets | 2.8755% | 1,895 |
| Loan and lease loss provision to assets | 0.3887% | 1,056 |
| Net operating income to assets | 1.3294% | 1,279 |
| Return on assets (ROA) | 1.3643% | 1,284 |
| Pretax return on assets | 1.3666% | 1,814 |
| Return on Equity (ROE) | 11.9503% | 1,344 |
| Retained earnings to average equity (ytd only) | 11.9503% | 466 |
| Net charge-offs to loans | 0.2755% | 576 |
| Credit loss provision to net charge-offs | 213.1661% | 1,863 |
| Earnings coverage of net charge-offs (x) | 9.4357% | 2,221 |
| Efficiency ratio | 61.5719% | 3,189 |
| Assets per employee ($millions) | 5.6645% | 2,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1381% | 2,836 |
| Loan loss allowance to noncurrent loans | 953.2646% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.1292% | 3,879 |
| Noncurrent loans to loans | 0.1194% | 3,972 |
| Net loans and leases to total assets | 67.5209% | 2,432 |
| Net loans and leases to deposits | 77.7231% | 2,690 |
| Net loans and leases to core deposits | 78.5577% | 3,065 |
| Total domestic deposits to total assets | 86.8737% | 1,673 |
| Equity capital to assets | 11.7429% | 1,808 |
| Core capital (leverage) ratio | 9.8539% | 2,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1948% | 2,103 |
| Memoranda: | ||
| Average total assets | $349,922,333 | 1,999 |
| Average earning assets | $319,509,000 | 2,032 |
| Average equity | $39,948,667 | 2,002 |
| Average total loans | $231,557,333 | 2,004 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6782% | 1,784 |
| Cost of funding earning assets | 0.3623% | 4,478 |
| Net interest margin | 4.3159% | 737 |
| Noninterest income to average assets | 0.7190% | 1,572 |
| Noninterest expense to average assets | 3.2536% | 1,308 |
| Loan and lease loss provision to assets | 0.3193% | 970 |
| Net operating income to assets | 1.1204% | 1,782 |
| Return on assets (ROA) | 1.2189% | 1,567 |
| Pretax return on assets | 1.2226% | 2,119 |
| Return on Equity (ROE) | 12.7988% | 914 |
| Retained earnings to average equity (ytd only) | 12.7988% | 338 |
| Net charge-offs to loans | 0.0255% | 1,858 |
| Credit loss provision to net charge-offs | 1,590.9091% | 406 |
| Earnings coverage of net charge-offs (x) | 71.9091% | 715 |
| Efficiency ratio | 69.2696% | 2,468 |
| Assets per employee ($millions) | 4.9701% | 2,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4637% | 1,470 |
| Loan loss allowance to noncurrent loans | 152.8470% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 0.7538% | 1,792 |
| Noncurrent loans to loans | 0.9576% | 1,714 |
| Net loans and leases to total assets | 77.5667% | 1,045 |
| Net loans and leases to deposits | 89.1479% | 1,618 |
| Net loans and leases to core deposits | 92.5188% | 2,109 |
| Total domestic deposits to total assets | 87.0090% | 1,552 |
| Equity capital to assets | 9.5393% | 4,176 |
| Core capital (leverage) ratio | 9.5586% | 3,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0636% | 3,080 |
| Memoranda: | ||
| Average total assets | $219,206,000 | 2,716 |
| Average earning assets | $202,043,000 | 2,731 |
| Average equity | $20,877,000 | 3,086 |
| Average total loans | $172,674,500 | 2,434 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0048% | 1,466 |
| Cost of funding earning assets | 0.4320% | 4,333 |
| Net interest margin | 4.5728% | 609 |
| Noninterest income to average assets | 0.7319% | 1,700 |
| Noninterest expense to average assets | 3.3497% | 1,205 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.5763% | 883 |
| Return on assets (ROA) | 1.5763% | 941 |
| Pretax return on assets | 1.5805% | 1,543 |
| Return on Equity (ROE) | 15.1557% | 660 |
| Retained earnings to average equity (ytd only) | -10.9845% | 5,074 |
| Net charge-offs to loans | -0.0006% | 4,154 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9430% | 2,468 |
| Assets per employee ($millions) | 4.5693% | 3,124 |
| Cash dividends to net income (ytd only)* | 172.4779% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4254% | 1,435 |
| Loan loss allowance to noncurrent loans | 139.8030% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 0.8037% | 1,613 |
| Noncurrent loans to loans | 1.0195% | 1,489 |
| Net loans and leases to total assets | 77.7051% | 1,125 |
| Net loans and leases to deposits | 89.5408% | 1,644 |
| Net loans and leases to core deposits | 93.2087% | 2,136 |
| Total domestic deposits to total assets | 86.7819% | 1,714 |
| Equity capital to assets | 9.5079% | 4,348 |
| Core capital (leverage) ratio | 9.1499% | 4,405 |
| Tier 1 risk-based capital ratio | 10.8961% | 4,892 |
| Total risk-based capital ratio | 12.1473% | 4,802 |
| Memoranda: | ||
| Average total assets | $215,065,200 | 2,707 |
| Average earning assets | $197,450,000 | 2,728 |
| Average equity | $22,367,800 | 2,932 |
| Average total loans | $168,597,000 | 2,422 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0104% | 1,506 |
| Cost of funding earning assets | 0.4365% | 4,377 |
| Net interest margin | 4.5739% | 652 |
| Noninterest income to average assets | 0.7412% | 1,618 |
| Noninterest expense to average assets | 3.3224% | 1,222 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6156% | 896 |
| Return on assets (ROA) | 1.6156% | 934 |
| Pretax return on assets | 1.6200% | 1,563 |
| Return on Equity (ROE) | 15.2085% | 734 |
| Retained earnings to average equity (ytd only) | 1.5168% | 4,429 |
| Net charge-offs to loans | 0.0079% | 3,094 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 261.4591% | 354 |
| Efficiency ratio | 67.2226% | 2,543 |
| Assets per employee ($millions) | 4.6499% | 2,972 |
| Cash dividends to net income (ytd only)* | 90.0271% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4068% | 1,554 |
| Loan loss allowance to noncurrent loans | 150.4070% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 0.7307% | 1,875 |
| Noncurrent loans to loans | 0.9353% | 1,718 |
| Net loans and leases to total assets | 77.0269% | 1,310 |
| Net loans and leases to deposits | 89.7678% | 1,727 |
| Net loans and leases to core deposits | 93.9548% | 2,185 |
| Total domestic deposits to total assets | 85.8069% | 2,077 |
| Equity capital to assets | 10.5819% | 3,482 |
| Core capital (leverage) ratio | 10.3411% | 3,273 |
| Tier 1 risk-based capital ratio | 12.3739% | 4,209 |
| Total risk-based capital ratio | 13.6247% | 4,090 |
| Memoranda: | ||
| Average total assets | $215,142,000 | 2,725 |
| Average earning assets | $197,609,750 | 2,753 |
| Average equity | $22,855,000 | 2,902 |
| Average total loans | $168,423,500 | 2,447 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0138% | 1,450 |
| Cost of funding earning assets | 0.4329% | 4,383 |
| Net interest margin | 4.5808% | 642 |
| Noninterest income to average assets | 0.7514% | 1,518 |
| Noninterest expense to average assets | 3.3073% | 1,270 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6411% | 831 |
| Return on assets (ROA) | 1.6411% | 869 |
| Pretax return on assets | 1.6467% | 1,407 |
| Return on Equity (ROE) | 15.4274% | 680 |
| Retained earnings to average equity (ytd only) | 0.0703% | 4,670 |
| Net charge-offs to loans | 0.0119% | 2,709 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 176.2000% | 430 |
| Efficiency ratio | 66.7610% | 2,709 |
| Assets per employee ($millions) | 4.9344% | 2,558 |
| Cash dividends to net income (ytd only)* | 99.5444% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4064% | 1,586 |
| Loan loss allowance to noncurrent loans | 126.2881% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 0.8760% | 1,601 |
| Noncurrent loans to loans | 1.1136% | 1,467 |
| Net loans and leases to total assets | 77.5609% | 1,303 |
| Net loans and leases to deposits | 92.3005% | 1,456 |
| Net loans and leases to core deposits | 97.1921% | 1,958 |
| Total domestic deposits to total assets | 84.0308% | 2,846 |
| Equity capital to assets | 10.5001% | 3,518 |
| Core capital (leverage) ratio | 10.1276% | 3,475 |
| Tier 1 risk-based capital ratio | 12.2059% | 4,298 |
| Total risk-based capital ratio | 13.4570% | 4,174 |
| Memoranda: | ||
| Average total assets | $214,008,330 | 2,745 |
| Average earning assets | $196,339,330 | 2,770 |
| Average equity | $22,764,670 | 2,905 |
| Average total loans | $167,651,670 | 2,465 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9422% | 1,495 |
| Cost of funding earning assets | 0.3958% | 4,500 |
| Net interest margin | 4.5464% | 683 |
| Noninterest income to average assets | 0.8115% | 1,267 |
| Noninterest expense to average assets | 3.1988% | 1,491 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.7754% | 614 |
| Return on assets (ROA) | 1.7754% | 630 |
| Pretax return on assets | 1.7867% | 1,004 |
| Return on Equity (ROE) | 16.5813% | 519 |
| Retained earnings to average equity (ytd only) | 16.5813% | 198 |
| Net charge-offs to loans | 0.0241% | 1,965 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 94.9000% | 690 |
| Efficiency ratio | 64.1616% | 3,214 |
| Assets per employee ($millions) | 4.9725% | 2,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4284% | 1,578 |
| Loan loss allowance to noncurrent loans | 124.7792% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 0.9003% | 1,561 |
| Noncurrent loans to loans | 1.1447% | 1,456 |
| Net loans and leases to total assets | 77.5253% | 1,234 |
| Net loans and leases to deposits | 93.1603% | 1,264 |
| Net loans and leases to core deposits | 97.6507% | 1,803 |
| Total domestic deposits to total assets | 83.2170% | 3,309 |
| Equity capital to assets | 10.9673% | 2,886 |
| Core capital (leverage) ratio | 10.9392% | 2,622 |
| Tier 1 risk-based capital ratio | 12.8468% | 3,957 |
| Total risk-based capital ratio | 14.0981% | 3,853 |
| Memoranda: | ||
| Average total assets | $212,456,500 | 2,787 |
| Average earning assets | $195,054,000 | 2,805 |
| Average equity | $22,748,500 | 2,907 |
| Average total loans | $166,079,500 | 2,504 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6396% | 2,021 |
| Cost of funding earning assets | 0.1941% | 5,029 |
| Net interest margin | 4.4455% | 850 |
| Noninterest income to average assets | 0.7346% | 1,713 |
| Noninterest expense to average assets | 3.4267% | 1,108 |
| Loan and lease loss provision to assets | -0.3424% | 5,369 |
| Net operating income to assets | 1.7256% | 649 |
| Return on assets (ROA) | 1.6781% | 722 |
| Pretax return on assets | 1.6801% | 1,215 |
| Return on Equity (ROE) | 15.7068% | 685 |
| Retained earnings to average equity (ytd only) | 2.2661% | 4,249 |
| Net charge-offs to loans | -0.9188% | 5,359 |
| Credit loss provision to net charge-offs | 52.0833% | 3,165 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2137% | 2,014 |
| Assets per employee ($millions) | 5.0261% | 2,466 |
| Cash dividends to net income (ytd only)* | 85.5727% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4702% | 1,381 |
| Loan loss allowance to noncurrent loans | 125.3770% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 0.9110% | 1,523 |
| Noncurrent loans to loans | 1.1726% | 1,375 |
| Net loans and leases to total assets | 76.5452% | 1,511 |
| Net loans and leases to deposits | 90.2683% | 1,763 |
| Net loans and leases to core deposits | 94.4620% | 2,192 |
| Total domestic deposits to total assets | 84.7974% | 2,733 |
| Equity capital to assets | 10.4441% | 3,244 |
| Core capital (leverage) ratio | 10.7694% | 2,769 |
| Tier 1 risk-based capital ratio | 12.6029% | 4,076 |
| Total risk-based capital ratio | 13.8543% | 3,953 |
| Memoranda: | ||
| Average total assets | $204,453,400 | 2,815 |
| Average earning assets | $187,517,000 | 2,854 |
| Average equity | $21,844,000 | 2,907 |
| Average total loans | $146,275,800 | 2,687 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5720% | 2,069 |
| Cost of funding earning assets | 0.1577% | 5,197 |
| Net interest margin | 4.4143% | 874 |
| Noninterest income to average assets | 0.7377% | 1,725 |
| Noninterest expense to average assets | 3.4655% | 1,034 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3189% | 1,781 |
| Return on assets (ROA) | 1.3130% | 1,812 |
| Pretax return on assets | 1.3149% | 2,558 |
| Return on Equity (ROE) | 12.2175% | 1,717 |
| Retained earnings to average equity (ytd only) | 3.0284% | 4,225 |
| Net charge-offs to loans | -0.5912% | 5,413 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4038% | 1,824 |
| Assets per employee ($millions) | 4.5417% | 3,053 |
| Cash dividends to net income (ytd only)* | 75.2129% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5840% | 1,116 |
| Loan loss allowance to noncurrent loans | 103.9931% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 1.1530% | 1,233 |
| Noncurrent loans to loans | 1.5232% | 1,061 |
| Net loans and leases to total assets | 74.4943% | 1,902 |
| Net loans and leases to deposits | 86.7224% | 2,293 |
| Net loans and leases to core deposits | 91.0100% | 2,559 |
| Total domestic deposits to total assets | 85.8998% | 2,240 |
| Equity capital to assets | 10.8240% | 2,825 |
| Core capital (leverage) ratio | 11.0065% | 2,570 |
| Tier 1 risk-based capital ratio | 13.1501% | 3,812 |
| Total risk-based capital ratio | 14.4023% | 3,725 |
| Memoranda: | ||
| Average total assets | $202,793,000 | 2,853 |
| Average earning assets | $185,998,750 | 2,888 |
| Average equity | $21,793,250 | 2,931 |
| Average total loans | $141,846,250 | 2,763 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4837% | 2,147 |
| Cost of funding earning assets | 0.1404% | 5,281 |
| Net interest margin | 4.3432% | 953 |
| Noninterest income to average assets | 0.7194% | 1,796 |
| Noninterest expense to average assets | 3.4704% | 1,038 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2239% | 2,084 |
| Return on assets (ROA) | 1.2150% | 2,126 |
| Pretax return on assets | 1.2170% | 2,885 |
| Return on Equity (ROE) | 11.3330% | 1,983 |
| Retained earnings to average equity (ytd only) | 3.3962% | 3,879 |
| Net charge-offs to loans | -0.9098% | 5,485 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8976% | 1,720 |
| Assets per employee ($millions) | 4.5391% | 3,070 |
| Cash dividends to net income (ytd only)* | 70.0323% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6150% | 1,070 |
| Loan loss allowance to noncurrent loans | 102.6981% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 1.1569% | 1,253 |
| Noncurrent loans to loans | 1.5726% | 1,038 |
| Net loans and leases to total assets | 71.5177% | 2,355 |
| Net loans and leases to deposits | 82.0745% | 2,759 |
| Net loans and leases to core deposits | 83.2106% | 3,148 |
| Total domestic deposits to total assets | 87.1375% | 1,784 |
| Equity capital to assets | 10.6012% | 3,028 |
| Core capital (leverage) ratio | 10.8496% | 2,658 |
| Tier 1 risk-based capital ratio | 13.3449% | 3,709 |
| Total risk-based capital ratio | 14.5974% | 3,628 |
| Memoranda: | ||
| Average total assets | $203,779,330 | 2,867 |
| Average earning assets | $186,589,000 | 2,895 |
| Average equity | $21,847,670 | 2,937 |
| Average total loans | $138,708,000 | 2,809 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4697% | 1,958 |
| Cost of funding earning assets | 0.1328% | 5,346 |
| Net interest margin | 4.3369% | 888 |
| Noninterest income to average assets | 0.7252% | 1,721 |
| Noninterest expense to average assets | 3.3841% | 1,184 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3167% | 1,588 |
| Return on assets (ROA) | 1.3167% | 1,596 |
| Pretax return on assets | 1.3187% | 2,292 |
| Return on Equity (ROE) | 12.2126% | 1,504 |
| Retained earnings to average equity (ytd only) | 12.2126% | 647 |
| Net charge-offs to loans | -0.5560% | 5,505 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9599% | 2,201 |
| Assets per employee ($millions) | 4.2847% | 3,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4137% | 1,784 |
| Loan loss allowance to noncurrent loans | 62.3762% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 1.5732% | 863 |
| Noncurrent loans to loans | 2.2664% | 647 |
| Net loans and leases to total assets | 67.6307% | 2,811 |
| Net loans and leases to deposits | 77.9075% | 3,025 |
| Net loans and leases to core deposits | 81.1326% | 3,228 |
| Total domestic deposits to total assets | 86.8090% | 2,199 |
| Equity capital to assets | 10.9291% | 2,650 |
| Core capital (leverage) ratio | 11.0894% | 2,339 |
| Tier 1 risk-based capital ratio | 14.2216% | 3,268 |
| Total risk-based capital ratio | 15.4658% | 3,194 |
| Memoranda: | ||
| Average total assets | $203,539,000 | 2,902 |
| Average earning assets | $186,678,000 | 2,924 |
| Average equity | $21,944,500 | 2,961 |
| Average total loans | $133,822,000 | 2,889 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1083% | 3,029 |
| Cost of funding earning assets | 0.1405% | 5,315 |
| Net interest margin | 3.9677% | 1,855 |
| Noninterest income to average assets | 0.7048% | 1,943 |
| Noninterest expense to average assets | 3.2031% | 1,603 |
| Loan and lease loss provision to assets | 0.6881% | 178 |
| Net operating income to assets | 0.4193% | 4,627 |
| Return on assets (ROA) | 0.4202% | 4,649 |
| Pretax return on assets | 0.4222% | 5,058 |
| Return on Equity (ROE) | 3.9383% | 4,519 |
| Retained earnings to average equity (ytd only) | 1.3082% | 4,500 |
| Net charge-offs to loans | 1.1268% | 148 |
| Credit loss provision to net charge-offs | 93.7082% | 2,720 |
| Earnings coverage of net charge-offs (x) | 1.5107% | 3,878 |
| Efficiency ratio | 74.2763% | 1,858 |
| Assets per employee ($millions) | 4.4717% | 3,239 |
| Cash dividends to net income (ytd only)* | 66.7836% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3645% | 1,911 |
| Loan loss allowance to noncurrent loans | 185.8044% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.4740% | 2,982 |
| Noncurrent loans to loans | 0.7344% | 2,375 |
| Net loans and leases to total assets | 62.0956% | 3,610 |
| Net loans and leases to deposits | 70.4593% | 3,836 |
| Net loans and leases to core deposits | 73.4781% | 3,922 |
| Total domestic deposits to total assets | 88.1297% | 1,419 |
| Equity capital to assets | 10.6369% | 3,010 |
| Core capital (leverage) ratio | 10.7739% | 2,561 |
| Tier 1 risk-based capital ratio | 14.6677% | 3,006 |
| Total risk-based capital ratio | 15.8647% | 2,959 |
| Memoranda: | ||
| Average total assets | $203,458,400 | 2,896 |
| Average earning assets | $184,993,600 | 2,911 |
| Average equity | $21,710,000 | 2,978 |
| Average total loans | $132,592,200 | 2,882 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0482% | 3,181 |
| Cost of funding earning assets | 0.1419% | 5,362 |
| Net interest margin | 3.9062% | 2,021 |
| Noninterest income to average assets | 0.7327% | 1,861 |
| Noninterest expense to average assets | 3.2528% | 1,453 |
| Loan and lease loss provision to assets | 0.9200% | 113 |
| Net operating income to assets | 0.1025% | 5,442 |
| Return on assets (ROA) | 0.1038% | 5,455 |
| Pretax return on assets | 0.1058% | 5,459 |
| Return on Equity (ROE) | 0.9722% | 5,434 |
| Retained earnings to average equity (ytd only) | 0.9722% | 4,979 |
| Net charge-offs to loans | 1.4956% | 103 |
| Credit loss provision to net charge-offs | 93.5829% | 2,412 |
| Earnings coverage of net charge-offs (x) | 1.0421% | 3,606 |
| Efficiency ratio | 76.0485% | 1,580 |
| Assets per employee ($millions) | 4.4020% | 3,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3575% | 2,091 |
| Loan loss allowance to noncurrent loans | 155.9187% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 0.6375% | 2,595 |
| Noncurrent loans to loans | 0.8706% | 2,196 |
| Net loans and leases to total assets | 63.3367% | 3,512 |
| Net loans and leases to deposits | 72.1983% | 3,749 |
| Net loans and leases to core deposits | 75.5794% | 3,833 |
| Total domestic deposits to total assets | 87.7261% | 1,504 |
| Equity capital to assets | 10.9539% | 2,904 |
| Core capital (leverage) ratio | 10.3538% | 3,135 |
| Tier 1 risk-based capital ratio | 14.8492% | 2,986 |
| Total risk-based capital ratio | 16.0667% | 2,938 |
| Memoranda: | ||
| Average total assets | $202,898,250 | 2,923 |
| Average earning assets | $184,111,750 | 2,947 |
| Average equity | $21,667,500 | 3,007 |
| Average total loans | $133,366,000 | 2,888 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9116% | 3,516 |
| Cost of funding earning assets | 0.1411% | 5,389 |
| Net interest margin | 3.7706% | 2,408 |
| Noninterest income to average assets | 0.6600% | 2,166 |
| Noninterest expense to average assets | 3.2015% | 1,574 |
| Loan and lease loss provision to assets | 1.1821% | 83 |
| Net operating income to assets | -0.3024% | 5,646 |
| Return on assets (ROA) | -0.3004% | 5,646 |
| Pretax return on assets | -0.2985% | 5,633 |
| Return on Equity (ROE) | -2.8377% | 5,645 |
| Retained earnings to average equity (ytd only) | -2.8377% | 5,418 |
| Net charge-offs to loans | 2.0166% | 79 |
| Credit loss provision to net charge-offs | 88.4956% | 2,160 |
| Earnings coverage of net charge-offs (x) | 0.6600% | 3,356 |
| Efficiency ratio | 78.4077% | 1,408 |
| Assets per employee ($millions) | 4.2957% | 3,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2765% | 2,534 |
| Loan loss allowance to noncurrent loans | 73.2703% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 1.2313% | 1,379 |
| Noncurrent loans to loans | 1.7422% | 1,038 |
| Net loans and leases to total assets | 65.3091% | 3,210 |
| Net loans and leases to deposits | 74.2115% | 3,522 |
| Net loans and leases to core deposits | 77.8857% | 3,607 |
| Total domestic deposits to total assets | 88.0040% | 1,458 |
| Equity capital to assets | 10.7826% | 3,046 |
| Core capital (leverage) ratio | 10.4316% | 2,993 |
| Tier 1 risk-based capital ratio | 14.1916% | 3,313 |
| Total risk-based capital ratio | 15.3404% | 3,293 |
| Memoranda: | ||
| Average total assets | $203,033,000 | 2,930 |
| Average earning assets | $184,321,330 | 2,966 |
| Average equity | $21,496,330 | 3,029 |
| Average total loans | $134,482,000 | 2,879 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6629% | 4,225 |
| Cost of funding earning assets | 0.1374% | 5,451 |
| Net interest margin | 3.5254% | 3,179 |
| Noninterest income to average assets | 0.6660% | 2,117 |
| Noninterest expense to average assets | 3.1925% | 1,631 |
| Loan and lease loss provision to assets | 2.3576% | 29 |
| Net operating income to assets | -1.6601% | 5,805 |
| Return on assets (ROA) | -1.6601% | 5,805 |
| Pretax return on assets | -1.6582% | 5,801 |
| Return on Equity (ROE) | -15.8243% | 5,803 |
| Retained earnings to average equity (ytd only) | -15.8243% | 5,676 |
| Net charge-offs to loans | 3.9869% | 30 |
| Credit loss provision to net charge-offs | 89.2193% | 1,694 |
| Earnings coverage of net charge-offs (x) | 0.2647% | 2,834 |
| Efficiency ratio | 82.0293% | 1,155 |
| Assets per employee ($millions) | 4.6556% | 2,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3064% | 2,510 |
| Loan loss allowance to noncurrent loans | 69.6146% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 1.2530% | 1,374 |
| Noncurrent loans to loans | 1.8766% | 982 |
| Net loans and leases to total assets | 61.8811% | 3,551 |
| Net loans and leases to deposits | 70.0883% | 3,787 |
| Net loans and leases to core deposits | 73.4148% | 3,887 |
| Total domestic deposits to total assets | 88.2902% | 1,540 |
| Equity capital to assets | 10.0305% | 3,716 |
| Core capital (leverage) ratio | 10.2527% | 3,187 |
| Tier 1 risk-based capital ratio | 13.8819% | 3,555 |
| Total risk-based capital ratio | 15.0426% | 3,515 |
| Memoranda: | ||
| Average total assets | $203,599,500 | 2,952 |
| Average earning assets | $186,303,000 | 2,983 |
| Average equity | $21,359,500 | 3,050 |
| Average total loans | $134,941,000 | 2,888 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4025% | 1,812 |
| Cost of funding earning assets | 0.1546% | 5,393 |
| Net interest margin | 4.2480% | 1,018 |
| Noninterest income to average assets | 0.6323% | 2,491 |
| Noninterest expense to average assets | 3.1259% | 1,964 |
| Loan and lease loss provision to assets | -0.2253% | 5,796 |
| Net operating income to assets | 1.3851% | 1,036 |
| Return on assets (ROA) | 1.3877% | 1,070 |
| Pretax return on assets | 1.6140% | 1,239 |
| Return on Equity (ROE) | 12.8228% | 1,036 |
| Retained earnings to average equity (ytd only) | 7.2810% | 1,123 |
| Net charge-offs to loans | 0.0480% | 3,083 |
| Credit loss provision to net charge-offs | -703.1250% | 5,239 |
| Earnings coverage of net charge-offs (x) | 43.2500% | 1,115 |
| Efficiency ratio | 69.2854% | 3,027 |
| Assets per employee ($millions) | 4.3933% | 3,287 |
| Cash dividends to net income (ytd only)* | 43.2179% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3434% | 2,326 |
| Loan loss allowance to noncurrent loans | 408.1140% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.3268% | 3,972 |
| Noncurrent loans to loans | 0.3292% | 3,960 |
| Net loans and leases to total assets | 69.1273% | 2,607 |
| Net loans and leases to deposits | 79.2623% | 2,969 |
| Net loans and leases to core deposits | 83.3139% | 3,095 |
| Total domestic deposits to total assets | 87.2134% | 2,018 |
| Equity capital to assets | 10.9788% | 2,646 |
| Core capital (leverage) ratio | 10.8106% | 2,525 |
| Tier 1 risk-based capital ratio | 14.3131% | 3,274 |
| Total risk-based capital ratio | 15.5596% | 3,209 |
| Memoranda: | ||
| Average total assets | $199,750,800 | 2,958 |
| Average earning assets | $182,417,200 | 2,991 |
| Average equity | $21,617,800 | 3,012 |
| Average total loans | $133,374,400 | 2,872 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4859% | 1,587 |
| Cost of funding earning assets | 0.1575% | 5,431 |
| Net interest margin | 4.3284% | 878 |
| Noninterest income to average assets | 0.6172% | 2,579 |
| Noninterest expense to average assets | 3.1205% | 1,975 |
| Loan and lease loss provision to assets | -0.2996% | 5,907 |
| Net operating income to assets | 1.4487% | 977 |
| Return on assets (ROA) | 1.4521% | 1,018 |
| Pretax return on assets | 1.7523% | 992 |
| Return on Equity (ROE) | 13.4651% | 929 |
| Retained earnings to average equity (ytd only) | 13.4651% | 199 |
| Net charge-offs to loans | 0.0020% | 3,865 |
| Credit loss provision to net charge-offs | -22,500.0000% | 5,471 |
| Earnings coverage of net charge-offs (x) | 1,086.6142% | 66 |
| Efficiency ratio | 68.2937% | 3,177 |
| Assets per employee ($millions) | 4.4189% | 3,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4439% | 2,001 |
| Loan loss allowance to noncurrent loans | 378.5433% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.3012% | 4,216 |
| Noncurrent loans to loans | 0.3814% | 3,892 |
| Net loans and leases to total assets | 66.0070% | 3,118 |
| Net loans and leases to deposits | 76.2339% | 3,378 |
| Net loans and leases to core deposits | 80.1357% | 3,434 |
| Total domestic deposits to total assets | 86.5849% | 2,093 |
| Equity capital to assets | 11.6052% | 2,428 |
| Core capital (leverage) ratio | 11.1042% | 2,353 |
| Tier 1 risk-based capital ratio | 15.0628% | 3,025 |
| Total risk-based capital ratio | 16.3137% | 2,957 |
| Memoranda: | ||
| Average total assets | $200,263,750 | 2,963 |
| Average earning assets | $182,849,000 | 2,996 |
| Average equity | $21,596,000 | 3,039 |
| Average total loans | $132,086,750 | 2,901 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0066% | 3,218 |
| Cost of funding earning assets | 0.1541% | 5,518 |
| Net interest margin | 3.8525% | 2,126 |
| Noninterest income to average assets | 0.5849% | 2,697 |
| Noninterest expense to average assets | 3.0847% | 2,100 |
| Loan and lease loss provision to assets | -0.4484% | 6,010 |
| Net operating income to assets | 1.0365% | 2,230 |
| Return on assets (ROA) | 1.0372% | 2,358 |
| Pretax return on assets | 1.4855% | 1,723 |
| Return on Equity (ROE) | 9.8662% | 2,105 |
| Retained earnings to average equity (ytd only) | 9.8662% | 628 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8549% | 2,238 |
| Assets per employee ($millions) | 4.3519% | 3,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4031% | 2,284 |
| Loan loss allowance to noncurrent loans | 93.3560% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 1.0865% | 1,949 |
| Noncurrent loans to loans | 1.5030% | 1,456 |
| Net loans and leases to total assets | 67.5710% | 2,850 |
| Net loans and leases to deposits | 80.5316% | 2,870 |
| Net loans and leases to core deposits | 84.5072% | 3,035 |
| Total domestic deposits to total assets | 83.9061% | 3,305 |
| Equity capital to assets | 10.9992% | 3,061 |
| Core capital (leverage) ratio | 10.4338% | 3,038 |
| Tier 1 risk-based capital ratio | 13.8220% | 3,711 |
| Total risk-based capital ratio | 15.0725% | 3,631 |
| Memoranda: | ||
| Average total assets | $200,735,000 | 2,973 |
| Average earning assets | $184,245,000 | 2,996 |
| Average equity | $21,102,330 | 3,086 |
| Average total loans | $131,723,000 | 2,909 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9272% | 3,473 |
| Cost of funding earning assets | 0.1546% | 5,574 |
| Net interest margin | 3.7726% | 2,396 |
| Noninterest income to average assets | 0.6408% | 2,314 |
| Noninterest expense to average assets | 3.0048% | 2,375 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1910% | 5,542 |
| Return on assets (ROA) | 0.1910% | 5,598 |
| Pretax return on assets | 1.0845% | 3,150 |
| Return on Equity (ROE) | 1.8601% | 5,529 |
| Retained earnings to average equity (ytd only) | 1.8601% | 4,514 |
| Net charge-offs to loans | 0.0031% | 3,012 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 545.0000% | 96 |
| Efficiency ratio | 73.4793% | 2,560 |
| Assets per employee ($millions) | 4.1873% | 3,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8526% | 1,047 |
| Loan loss allowance to noncurrent loans | 112.7255% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 1.1834% | 1,858 |
| Noncurrent loans to loans | 1.6434% | 1,388 |
| Net loans and leases to total assets | 63.9074% | 3,254 |
| Net loans and leases to deposits | 72.9394% | 3,559 |
| Net loans and leases to core deposits | 76.4415% | 3,642 |
| Total domestic deposits to total assets | 87.6172% | 1,855 |
| Equity capital to assets | 10.5922% | 3,384 |
| Core capital (leverage) ratio | 9.9914% | 3,541 |
| Tier 1 risk-based capital ratio | 14.0839% | 3,633 |
| Total risk-based capital ratio | 15.3393% | 3,561 |
| Memoranda: | ||
| Average total assets | $201,008,500 | 2,979 |
| Average earning assets | $183,745,000 | 3,009 |
| Average equity | $20,644,000 | 3,135 |
| Average total loans | $128,987,500 | 2,951 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9016% | 3,703 |
| Cost of funding earning assets | 0.1621% | 5,590 |
| Net interest margin | 3.7395% | 2,606 |
| Noninterest income to average assets | 0.6970% | 2,215 |
| Noninterest expense to average assets | 3.1298% | 2,148 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6354% | 4,110 |
| Return on assets (ROA) | 0.6354% | 4,198 |
| Pretax return on assets | 0.9508% | 3,653 |
| Return on Equity (ROE) | 5.8318% | 4,117 |
| Retained earnings to average equity (ytd only) | -6.5671% | 5,967 |
| Net charge-offs to loans | 0.0192% | 3,886 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 79.1250% | 710 |
| Efficiency ratio | 76.6994% | 2,164 |
| Assets per employee ($millions) | 4.2753% | 3,441 |
| Cash dividends to net income (ytd only)* | 212.6084% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8293% | 1,084 |
| Loan loss allowance to noncurrent loans | 112.2931% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 1.1393% | 1,922 |
| Noncurrent loans to loans | 1.6291% | 1,403 |
| Net loans and leases to total assets | 62.1080% | 3,545 |
| Net loans and leases to deposits | 70.3713% | 3,881 |
| Net loans and leases to core deposits | 73.5804% | 3,981 |
| Total domestic deposits to total assets | 88.2575% | 1,504 |
| Equity capital to assets | 9.9614% | 4,005 |
| Core capital (leverage) ratio | 9.9120% | 3,624 |
| Tier 1 risk-based capital ratio | 13.9438% | 3,741 |
| Total risk-based capital ratio | 15.1991% | 3,671 |
| Memoranda: | ||
| Average total assets | $199,723,000 | 2,958 |
| Average earning assets | $180,719,400 | 2,992 |
| Average equity | $21,760,000 | 3,001 |
| Average total loans | $124,822,800 | 2,974 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9063% | 3,730 |
| Cost of funding earning assets | 0.1645% | 5,670 |
| Net interest margin | 3.7418% | 2,606 |
| Noninterest income to average assets | 0.7313% | 2,103 |
| Noninterest expense to average assets | 3.1237% | 2,160 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6500% | 4,132 |
| Return on assets (ROA) | 0.6500% | 4,243 |
| Pretax return on assets | 0.9868% | 3,665 |
| Return on Equity (ROE) | 5.8367% | 4,231 |
| Retained earnings to average equity (ytd only) | 1.2313% | 5,230 |
| Net charge-offs to loans | 0.0270% | 3,403 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 58.7243% | 933 |
| Efficiency ratio | 75.9935% | 2,253 |
| Assets per employee ($millions) | 4.1265% | 3,666 |
| Cash dividends to net income (ytd only)* | 78.9041% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8952% | 1,084 |
| Loan loss allowance to noncurrent loans | 109.3505% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 1.5075% | 1,493 |
| Noncurrent loans to loans | 1.7331% | 1,385 |
| Net loans and leases to total assets | 62.0435% | 3,601 |
| Net loans and leases to deposits | 71.4555% | 3,828 |
| Net loans and leases to core deposits | 74.8944% | 3,919 |
| Total domestic deposits to total assets | 86.8282% | 2,124 |
| Equity capital to assets | 11.2120% | 2,790 |
| Core capital (leverage) ratio | 10.7486% | 2,774 |
| Tier 1 risk-based capital ratio | 15.6335% | 2,983 |
| Total risk-based capital ratio | 16.8896% | 2,909 |
| Memoranda: | ||
| Average total assets | $198,350,750 | 2,990 |
| Average earning assets | $179,126,250 | 3,032 |
| Average equity | $22,089,500 | 2,979 |
| Average total loans | $123,571,500 | 3,015 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9020% | 3,681 |
| Cost of funding earning assets | 0.1643% | 5,743 |
| Net interest margin | 3.7377% | 2,552 |
| Noninterest income to average assets | 0.7599% | 1,953 |
| Noninterest expense to average assets | 3.1132% | 2,205 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6632% | 4,067 |
| Return on assets (ROA) | 0.6632% | 4,169 |
| Pretax return on assets | 1.0169% | 3,513 |
| Return on Equity (ROE) | 5.9683% | 4,139 |
| Retained earnings to average equity (ytd only) | 1.1156% | 5,124 |
| Net charge-offs to loans | 0.0634% | 2,475 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 25.8718% | 1,508 |
| Efficiency ratio | 75.3782% | 2,478 |
| Assets per employee ($millions) | 4.3531% | 3,207 |
| Cash dividends to net income (ytd only)* | 81.3070% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8876% | 1,192 |
| Loan loss allowance to noncurrent loans | 109.8696% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 1.4912% | 1,657 |
| Noncurrent loans to loans | 1.7180% | 1,499 |
| Net loans and leases to total assets | 59.9563% | 3,840 |
| Net loans and leases to deposits | 68.5919% | 4,073 |
| Net loans and leases to core deposits | 71.7607% | 4,162 |
| Total domestic deposits to total assets | 87.4102% | 1,954 |
| Equity capital to assets | 10.7765% | 3,136 |
| Core capital (leverage) ratio | 10.7546% | 2,674 |
| Tier 1 risk-based capital ratio | 15.5383% | 3,082 |
| Total risk-based capital ratio | 16.7944% | 3,026 |
| Memoranda: | ||
| Average total assets | $198,443,000 | 3,008 |
| Average earning assets | $178,935,670 | 3,056 |
| Average equity | $22,050,000 | 2,991 |
| Average total loans | $123,006,670 | 3,038 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9472% | 3,429 |
| Cost of funding earning assets | 0.1636% | 5,820 |
| Net interest margin | 3.7836% | 2,284 |
| Noninterest income to average assets | 0.7739% | 1,813 |
| Noninterest expense to average assets | 3.1080% | 2,244 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7248% | 3,668 |
| Return on assets (ROA) | 0.7248% | 3,805 |
| Pretax return on assets | 1.1220% | 2,991 |
| Return on Equity (ROE) | 6.4215% | 3,818 |
| Retained earnings to average equity (ytd only) | 1.5237% | 4,871 |
| Net charge-offs to loans | -0.0033% | 4,411 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4753% | 2,906 |
| Assets per employee ($millions) | 4.0722% | 3,819 |
| Cash dividends to net income (ytd only)* | 76.2712% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9880% | 1,105 |
| Loan loss allowance to noncurrent loans | 109.1405% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 1.6417% | 1,546 |
| Noncurrent loans to loans | 1.8215% | 1,485 |
| Net loans and leases to total assets | 60.5339% | 3,578 |
| Net loans and leases to deposits | 69.7386% | 3,779 |
| Net loans and leases to core deposits | 73.1503% | 3,857 |
| Total domestic deposits to total assets | 86.8012% | 2,490 |
| Equity capital to assets | 11.3320% | 2,615 |
| Core capital (leverage) ratio | 11.0669% | 2,351 |
| Tier 1 risk-based capital ratio | 16.1073% | 2,870 |
| Total risk-based capital ratio | 17.3640% | 2,802 |
| Memoranda: | ||
| Average total assets | $195,367,500 | 3,054 |
| Average earning assets | $178,455,500 | 3,081 |
| Average equity | $22,051,000 | 3,013 |
| Average total loans | $121,996,500 | 3,060 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9599% | 3,873 |
| Cost of funding earning assets | 0.1862% | 5,865 |
| Net interest margin | 3.7737% | 2,717 |
| Noninterest income to average assets | 0.7327% | 2,154 |
| Noninterest expense to average assets | 3.3152% | 1,890 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5869% | 4,441 |
| Return on assets (ROA) | 0.5869% | 4,514 |
| Pretax return on assets | 0.8245% | 4,171 |
| Return on Equity (ROE) | 5.2569% | 4,527 |
| Retained earnings to average equity (ytd only) | 1.6407% | 4,992 |
| Net charge-offs to loans | -0.0483% | 5,926 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0827% | 1,917 |
| Assets per employee ($millions) | 4.1547% | 3,624 |
| Cash dividends to net income (ytd only)* | 68.7887% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9461% | 1,211 |
| Loan loss allowance to noncurrent loans | 88.3284% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 2.0756% | 1,203 |
| Noncurrent loans to loans | 2.2033% | 1,206 |
| Net loans and leases to total assets | 61.8996% | 3,512 |
| Net loans and leases to deposits | 70.9222% | 3,797 |
| Net loans and leases to core deposits | 74.3745% | 3,890 |
| Total domestic deposits to total assets | 87.2782% | 2,135 |
| Equity capital to assets | 11.2418% | 2,654 |
| Core capital (leverage) ratio | 10.8864% | 2,511 |
| Tier 1 risk-based capital ratio | 15.8825% | 3,016 |
| Total risk-based capital ratio | 17.1390% | 2,965 |
| Memoranda: | ||
| Average total assets | $192,717,000 | 3,072 |
| Average earning assets | $173,993,000 | 3,112 |
| Average equity | $21,514,600 | 2,996 |
| Average total loans | $122,276,800 | 2,997 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9691% | 3,884 |
| Cost of funding earning assets | 0.1894% | 5,918 |
| Net interest margin | 3.7797% | 2,692 |
| Noninterest income to average assets | 0.7295% | 2,189 |
| Noninterest expense to average assets | 3.3312% | 1,838 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5352% | 4,742 |
| Return on assets (ROA) | 0.5352% | 4,811 |
| Pretax return on assets | 0.8066% | 4,342 |
| Return on Equity (ROE) | 4.8024% | 4,815 |
| Retained earnings to average equity (ytd only) | -0.0436% | 5,802 |
| Net charge-offs to loans | -0.0623% | 5,994 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5066% | 1,841 |
| Assets per employee ($millions) | 4.0746% | 3,722 |
| Cash dividends to net income (ytd only)* | 100.9086% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9983% | 1,263 |
| Loan loss allowance to noncurrent loans | 90.3505% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 2.2640% | 1,208 |
| Noncurrent loans to loans | 2.2118% | 1,373 |
| Net loans and leases to total assets | 60.1042% | 3,771 |
| Net loans and leases to deposits | 68.7666% | 4,044 |
| Net loans and leases to core deposits | 72.3252% | 4,121 |
| Total domestic deposits to total assets | 87.4032% | 2,090 |
| Equity capital to assets | 11.0368% | 2,916 |
| Core capital (leverage) ratio | 10.4698% | 3,076 |
| Tier 1 risk-based capital ratio | 15.8246% | 3,144 |
| Total risk-based capital ratio | 17.0814% | 3,082 |
| Memoranda: | ||
| Average total assets | $192,078,500 | 3,100 |
| Average earning assets | $173,199,500 | 3,147 |
| Average equity | $21,405,250 | 3,013 |
| Average total loans | $122,028,250 | 3,017 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9983% | 3,735 |
| Cost of funding earning assets | 0.1911% | 5,995 |
| Net interest margin | 3.8072% | 2,547 |
| Noninterest income to average assets | 0.7700% | 1,959 |
| Noninterest expense to average assets | 3.3618% | 1,780 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5510% | 4,599 |
| Return on assets (ROA) | 0.5510% | 4,698 |
| Pretax return on assets | 0.8318% | 4,151 |
| Return on Equity (ROE) | 4.9286% | 4,708 |
| Retained earnings to average equity (ytd only) | -2.3612% | 6,035 |
| Net charge-offs to loans | -0.0522% | 5,892 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1649% | 2,002 |
| Assets per employee ($millions) | 3.9748% | 3,896 |
| Cash dividends to net income (ytd only)* | 147.9087% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9126% | 1,553 |
| Loan loss allowance to noncurrent loans | 83.1989% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 2.3500% | 1,249 |
| Noncurrent loans to loans | 2.2988% | 1,411 |
| Net loans and leases to total assets | 62.4605% | 3,334 |
| Net loans and leases to deposits | 72.0151% | 3,565 |
| Net loans and leases to core deposits | 73.8333% | 3,857 |
| Total domestic deposits to total assets | 86.7326% | 2,618 |
| Equity capital to assets | 10.9836% | 2,893 |
| Core capital (leverage) ratio | 10.9012% | 2,526 |
| Tier 1 risk-based capital ratio | 15.1450% | 3,556 |
| Total risk-based capital ratio | 16.4010% | 3,505 |
| Memoranda: | ||
| Average total assets | $190,910,670 | 3,141 |
| Average earning assets | $171,674,000 | 3,179 |
| Average equity | $21,345,000 | 3,013 |
| Average total loans | $122,721,000 | 3,016 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9789% | 3,773 |
| Cost of funding earning assets | 0.1959% | 6,033 |
| Net interest margin | 3.7830% | 2,537 |
| Noninterest income to average assets | 0.9292% | 1,307 |
| Noninterest expense to average assets | 3.4162% | 1,656 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6180% | 4,110 |
| Return on assets (ROA) | 0.6180% | 4,191 |
| Pretax return on assets | 0.9461% | 3,533 |
| Return on Equity (ROE) | 5.4780% | 4,286 |
| Retained earnings to average equity (ytd only) | -9.1176% | 6,327 |
| Net charge-offs to loans | -0.3211% | 6,492 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3115% | 2,438 |
| Assets per employee ($millions) | 3.7852% | 4,357 |
| Cash dividends to net income (ytd only)* | 266.4384% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9882% | 1,538 |
| Loan loss allowance to noncurrent loans | 80.3560% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 2.4924% | 1,281 |
| Noncurrent loans to loans | 2.4742% | 1,398 |
| Net loans and leases to total assets | 63.5035% | 2,976 |
| Net loans and leases to deposits | 71.7966% | 3,365 |
| Net loans and leases to core deposits | 75.7230% | 3,434 |
| Total domestic deposits to total assets | 88.4492% | 1,961 |
| Equity capital to assets | 11.1503% | 2,573 |
| Core capital (leverage) ratio | 10.7961% | 2,604 |
| Tier 1 risk-based capital ratio | 14.9954% | 3,716 |
| Total risk-based capital ratio | 16.2519% | 3,659 |
| Memoranda: | ||
| Average total assets | $188,984,500 | 3,179 |
| Average earning assets | $171,504,000 | 3,203 |
| Average equity | $21,321,500 | 3,013 |
| Average total loans | $122,070,500 | 3,031 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8518% | 4,628 |
| Cost of funding earning assets | 0.2697% | 5,834 |
| Net interest margin | 3.5820% | 3,539 |
| Noninterest income to average assets | 0.5815% | 3,199 |
| Noninterest expense to average assets | 3.3461% | 2,013 |
| Loan and lease loss provision to assets | -0.2740% | 6,662 |
| Net operating income to assets | 0.5052% | 4,709 |
| Return on assets (ROA) | 0.5252% | 4,742 |
| Pretax return on assets | 0.7175% | 4,473 |
| Return on Equity (ROE) | 4.8534% | 4,693 |
| Retained earnings to average equity (ytd only) | 2.8136% | 4,243 |
| Net charge-offs to loans | -0.0131% | 6,064 |
| Credit loss provision to net charge-offs | 3,600.0000% | 59 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9398% | 1,112 |
| Assets per employee ($millions) | 3.7742% | 4,318 |
| Cash dividends to net income (ytd only)* | 42.0290% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9257% | 1,721 |
| Loan loss allowance to noncurrent loans | 76.0976% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 2.8356% | 1,137 |
| Noncurrent loans to loans | 2.5305% | 1,483 |
| Net loans and leases to total assets | 63.1535% | 3,188 |
| Net loans and leases to deposits | 72.0068% | 3,518 |
| Net loans and leases to core deposits | 75.6780% | 3,644 |
| Total domestic deposits to total assets | 87.7049% | 2,358 |
| Equity capital to assets | 11.4143% | 2,229 |
| Core capital (leverage) ratio | 10.9556% | 2,433 |
| Tier 1 risk-based capital ratio | 15.5803% | 3,322 |
| Total risk-based capital ratio | 16.8368% | 3,271 |
| Memoranda: | ||
| Average total assets | $197,062,400 | 3,065 |
| Average earning assets | $174,983,800 | 3,149 |
| Average equity | $21,325,200 | 2,998 |
| Average total loans | $114,401,000 | 3,166 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7874% | 4,901 |
| Cost of funding earning assets | 0.2770% | 5,911 |
| Net interest margin | 3.5104% | 3,833 |
| Noninterest income to average assets | 0.6501% | 2,884 |
| Noninterest expense to average assets | 3.3046% | 2,071 |
| Loan and lease loss provision to assets | -0.0937% | 6,620 |
| Net operating income to assets | 0.3768% | 5,349 |
| Return on assets (ROA) | 0.4017% | 5,374 |
| Pretax return on assets | 0.5805% | 5,094 |
| Return on Equity (ROE) | 3.7608% | 5,327 |
| Retained earnings to average equity (ytd only) | 1.0342% | 5,566 |
| Net charge-offs to loans | -0.0225% | 6,078 |
| Credit loss provision to net charge-offs | 736.8421% | 394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0014% | 1,177 |
| Assets per employee ($millions) | 3.8054% | 4,228 |
| Cash dividends to net income (ytd only)* | 72.5006% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3595% | 1,096 |
| Loan loss allowance to noncurrent loans | 82.1557% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 3.4714% | 981 |
| Noncurrent loans to loans | 2.8719% | 1,431 |
| Net loans and leases to total assets | 58.5110% | 3,919 |
| Net loans and leases to deposits | 66.9959% | 4,180 |
| Net loans and leases to core deposits | 70.4840% | 4,270 |
| Total domestic deposits to total assets | 87.3352% | 2,489 |
| Equity capital to assets | 10.9144% | 2,843 |
| Core capital (leverage) ratio | 10.7243% | 2,760 |
| Tier 1 risk-based capital ratio | 15.0962% | 3,685 |
| Total risk-based capital ratio | 16.3558% | 3,635 |
| Memoranda: | ||
| Average total assets | $199,150,500 | 3,068 |
| Average earning assets | $176,156,750 | 3,156 |
| Average equity | $21,271,500 | 3,047 |
| Average total loans | $112,622,000 | 3,216 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7322% | 5,042 |
| Cost of funding earning assets | 0.2807% | 5,979 |
| Net interest margin | 3.4515% | 3,999 |
| Noninterest income to average assets | 0.6871% | 2,705 |
| Noninterest expense to average assets | 3.3320% | 1,988 |
| Loan and lease loss provision to assets | -0.1394% | 6,743 |
| Net operating income to assets | 0.3742% | 5,313 |
| Return on assets (ROA) | 0.4113% | 5,337 |
| Pretax return on assets | 0.5975% | 5,022 |
| Return on Equity (ROE) | 3.8777% | 5,263 |
| Retained earnings to average equity (ytd only) | -0.2066% | 5,895 |
| Net charge-offs to loans | -0.1347% | 6,572 |
| Credit loss provision to net charge-offs | 186.6667% | 1,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1791% | 1,117 |
| Assets per employee ($millions) | 3.8022% | 4,200 |
| Cash dividends to net income (ytd only)* | 105.3269% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4788% | 1,005 |
| Loan loss allowance to noncurrent loans | 80.4598% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 3.9146% | 902 |
| Noncurrent loans to loans | 3.0808% | 1,438 |
| Net loans and leases to total assets | 57.9439% | 3,996 |
| Net loans and leases to deposits | 66.0693% | 4,260 |
| Net loans and leases to core deposits | 67.6476% | 4,538 |
| Total domestic deposits to total assets | 87.7017% | 2,442 |
| Equity capital to assets | 11.0274% | 2,725 |
| Core capital (leverage) ratio | 10.5978% | 2,769 |
| Tier 1 risk-based capital ratio | 15.7789% | 3,325 |
| Total risk-based capital ratio | 17.0406% | 3,273 |
| Memoranda: | ||
| Average total assets | $200,843,000 | 3,062 |
| Average earning assets | $177,431,000 | 3,151 |
| Average equity | $21,301,330 | 3,061 |
| Average total loans | $111,396,670 | 3,239 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5778% | 5,508 |
| Cost of funding earning assets | 0.2786% | 6,116 |
| Net interest margin | 3.2992% | 4,521 |
| Noninterest income to average assets | 0.5877% | 3,204 |
| Noninterest expense to average assets | 3.2200% | 2,292 |
| Loan and lease loss provision to assets | -0.2716% | 6,917 |
| Net operating income to assets | 0.3760% | 5,230 |
| Return on assets (ROA) | 0.4461% | 5,090 |
| Pretax return on assets | 0.6615% | 4,745 |
| Return on Equity (ROE) | 4.2850% | 4,953 |
| Retained earnings to average equity (ytd only) | 2.8319% | 4,582 |
| Net charge-offs to loans | 0.0217% | 3,735 |
| Credit loss provision to net charge-offs | -2,333.3333% | 5,783 |
| Earnings coverage of net charge-offs (x) | 24.5000% | 1,077 |
| Efficiency ratio | 91.8650% | 997 |
| Assets per employee ($millions) | 3.7263% | 4,500 |
| Cash dividends to net income (ytd only)* | 33.9130% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4889% | 1,130 |
| Loan loss allowance to noncurrent loans | 81.4560% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 3.9640% | 1,015 |
| Noncurrent loans to loans | 3.0556% | 1,634 |
| Net loans and leases to total assets | 54.9750% | 4,244 |
| Net loans and leases to deposits | 62.7365% | 4,452 |
| Net loans and leases to core deposits | 65.8519% | 4,554 |
| Total domestic deposits to total assets | 87.6285% | 2,549 |
| Equity capital to assets | 11.0885% | 2,861 |
| Core capital (leverage) ratio | 10.6632% | 2,580 |
| Tier 1 risk-based capital ratio | 16.1000% | 3,206 |
| Total risk-based capital ratio | 17.3613% | 3,158 |
| Memoranda: | ||
| Average total assets | $206,210,500 | 3,024 |
| Average earning assets | $182,347,500 | 3,111 |
| Average equity | $21,470,000 | 3,082 |
| Average total loans | $110,617,000 | 3,274 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0668% | 5,071 |
| Cost of funding earning assets | 0.4152% | 5,819 |
| Net interest margin | 3.6517% | 3,865 |
| Noninterest income to average assets | 0.4191% | 4,459 |
| Noninterest expense to average assets | 3.2810% | 2,393 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2974% | 5,476 |
| Return on assets (ROA) | 0.2974% | 5,685 |
| Pretax return on assets | 0.3585% | 5,687 |
| Return on Equity (ROE) | 2.7594% | 5,649 |
| Retained earnings to average equity (ytd only) | 1.1197% | 5,315 |
| Net charge-offs to loans | -0.1757% | 6,922 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1485% | 1,057 |
| Assets per employee ($millions) | 3.9045% | 4,145 |
| Cash dividends to net income (ytd only)* | 59.4228% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5582% | 1,064 |
| Loan loss allowance to noncurrent loans | 84.5881% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 3.5152% | 1,284 |
| Noncurrent loans to loans | 3.0244% | 1,718 |
| Net loans and leases to total assets | 49.9083% | 5,180 |
| Net loans and leases to deposits | 56.0872% | 5,441 |
| Net loans and leases to core deposits | 58.5795% | 5,490 |
| Total domestic deposits to total assets | 88.9835% | 1,573 |
| Equity capital to assets | 9.8119% | 4,434 |
| Core capital (leverage) ratio | 10.5626% | 2,690 |
| Tier 1 risk-based capital ratio | 15.4890% | 3,427 |
| Total risk-based capital ratio | 16.7506% | 3,383 |
| Memoranda: | ||
| Average total assets | $198,021,000 | 3,071 |
| Average earning assets | $174,633,000 | 3,166 |
| Average equity | $21,345,200 | 3,063 |
| Average total loans | $111,573,400 | 3,264 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2193% | 4,748 |
| Cost of funding earning assets | 0.4537% | 5,765 |
| Net interest margin | 3.7656% | 3,488 |
| Noninterest income to average assets | 0.5406% | 3,668 |
| Noninterest expense to average assets | 3.3992% | 2,002 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3408% | 5,471 |
| Return on assets (ROA) | 0.3408% | 5,672 |
| Pretax return on assets | 0.4694% | 5,543 |
| Return on Equity (ROE) | 3.0834% | 5,649 |
| Retained earnings to average equity (ytd only) | 0.8944% | 5,810 |
| Net charge-offs to loans | -0.2332% | 7,017 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8663% | 1,205 |
| Assets per employee ($millions) | 3.2375% | 5,566 |
| Cash dividends to net income (ytd only)* | 70.9943% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5886% | 1,094 |
| Loan loss allowance to noncurrent loans | 64.2585% | 4,467 |
| Noncurrent assets plus other real estate owned to assets | 4.6228% | 993 |
| Noncurrent loans to loans | 4.0285% | 1,265 |
| Net loans and leases to total assets | 56.4227% | 4,381 |
| Net loans and leases to deposits | 64.8649% | 4,613 |
| Net loans and leases to core deposits | 68.2790% | 4,701 |
| Total domestic deposits to total assets | 86.9850% | 2,680 |
| Equity capital to assets | 11.2251% | 3,010 |
| Core capital (leverage) ratio | 10.6964% | 2,706 |
| Tier 1 risk-based capital ratio | 16.1644% | 3,184 |
| Total risk-based capital ratio | 17.4272% | 3,148 |
| Memoranda: | ||
| Average total assets | $192,863,000 | 3,179 |
| Average earning assets | $170,452,500 | 3,257 |
| Average equity | $21,318,000 | 3,090 |
| Average total loans | $111,469,000 | 3,291 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2152% | 4,895 |
| Cost of funding earning assets | 0.4923% | 5,671 |
| Net interest margin | 3.7229% | 3,713 |
| Noninterest income to average assets | 0.5923% | 3,302 |
| Noninterest expense to average assets | 3.3936% | 2,043 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3525% | 5,417 |
| Return on assets (ROA) | 0.3525% | 5,644 |
| Pretax return on assets | 0.4900% | 5,470 |
| Return on Equity (ROE) | 3.2053% | 5,605 |
| Retained earnings to average equity (ytd only) | -0.0846% | 6,058 |
| Net charge-offs to loans | -0.3884% | 7,101 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3836% | 1,301 |
| Assets per employee ($millions) | 3.5018% | 4,982 |
| Cash dividends to net income (ytd only)* | 102.6393% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5726% | 1,182 |
| Loan loss allowance to noncurrent loans | 62.7255% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 4.6828% | 1,034 |
| Noncurrent loans to loans | 4.1013% | 1,335 |
| Net loans and leases to total assets | 55.7356% | 4,506 |
| Net loans and leases to deposits | 63.7367% | 4,801 |
| Net loans and leases to core deposits | 66.9831% | 4,897 |
| Total domestic deposits to total assets | 87.4466% | 2,501 |
| Equity capital to assets | 10.8379% | 3,304 |
| Core capital (leverage) ratio | 10.4024% | 2,916 |
| Tier 1 risk-based capital ratio | 15.7322% | 3,313 |
| Total risk-based capital ratio | 16.9948% | 3,276 |
| Memoranda: | ||
| Average total assets | $193,480,670 | 3,171 |
| Average earning assets | $171,049,000 | 3,260 |
| Average equity | $21,277,000 | 3,077 |
| Average total loans | $111,746,330 | 3,293 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1938% | 5,123 |
| Cost of funding earning assets | 0.5327% | 5,598 |
| Net interest margin | 3.6611% | 4,003 |
| Noninterest income to average assets | 0.3726% | 4,880 |
| Noninterest expense to average assets | 3.4095% | 1,986 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1936% | 6,007 |
| Return on assets (ROA) | 0.1936% | 6,154 |
| Pretax return on assets | 0.2248% | 6,148 |
| Return on Equity (ROE) | 1.7474% | 6,148 |
| Retained earnings to average equity (ytd only) | 1.7474% | 5,365 |
| Net charge-offs to loans | -0.6205% | 7,168 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8144% | 829 |
| Assets per employee ($millions) | 3.4678% | 5,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5739% | 1,259 |
| Loan loss allowance to noncurrent loans | 57.7525% | 4,647 |
| Noncurrent assets plus other real estate owned to assets | 4.9578% | 1,056 |
| Noncurrent loans to loans | 4.4567% | 1,317 |
| Net loans and leases to total assets | 55.3945% | 4,486 |
| Net loans and leases to deposits | 63.7040% | 4,673 |
| Net loans and leases to core deposits | 66.7881% | 4,824 |
| Total domestic deposits to total assets | 86.9561% | 2,977 |
| Equity capital to assets | 10.9903% | 2,917 |
| Core capital (leverage) ratio | 10.6093% | 2,638 |
| Tier 1 risk-based capital ratio | 15.9248% | 3,213 |
| Total risk-based capital ratio | 17.1878% | 3,174 |
| Memoranda: | ||
| Average total assets | $192,171,500 | 3,209 |
| Average earning assets | $171,204,500 | 3,269 |
| Average equity | $21,289,000 | 3,075 |
| Average total loans | $111,528,000 | 3,316 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6333% | 4,535 |
| Cost of funding earning assets | 0.7029% | 5,520 |
| Net interest margin | 3.9303% | 3,206 |
| Noninterest income to average assets | 0.7989% | 2,071 |
| Noninterest expense to average assets | 3.4995% | 1,985 |
| Loan and lease loss provision to assets | 0.1334% | 4,943 |
| Net operating income to assets | 0.5070% | 4,397 |
| Return on assets (ROA) | 0.5070% | 4,605 |
| Pretax return on assets | 0.6783% | 4,413 |
| Return on Equity (ROE) | 4.5966% | 4,575 |
| Retained earnings to average equity (ytd only) | 4.5966% | 2,907 |
| Net charge-offs to loans | 0.7105% | 2,383 |
| Credit loss provision to net charge-offs | 31.0559% | 5,768 |
| Earnings coverage of net charge-offs (x) | 1.8894% | 4,361 |
| Efficiency ratio | 81.1711% | 2,138 |
| Assets per employee ($millions) | 3.3954% | 5,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3695% | 1,508 |
| Loan loss allowance to noncurrent loans | 51.7850% | 4,926 |
| Noncurrent assets plus other real estate owned to assets | 4.9147% | 1,096 |
| Noncurrent loans to loans | 4.5757% | 1,304 |
| Net loans and leases to total assets | 57.8348% | 4,398 |
| Net loans and leases to deposits | 66.9683% | 4,586 |
| Net loans and leases to core deposits | 68.8729% | 4,922 |
| Total domestic deposits to total assets | 86.3615% | 3,108 |
| Equity capital to assets | 11.1678% | 2,828 |
| Core capital (leverage) ratio | 10.5967% | 2,624 |
| Tier 1 risk-based capital ratio | 15.9938% | 3,054 |
| Total risk-based capital ratio | 17.2546% | 3,007 |
| Memoranda: | ||
| Average total assets | $187,372,000 | 3,227 |
| Average earning assets | $167,441,600 | 3,293 |
| Average equity | $20,667,400 | 3,046 |
| Average total loans | $113,305,600 | 3,306 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6963% | 4,481 |
| Cost of funding earning assets | 0.7382% | 5,536 |
| Net interest margin | 3.9581% | 3,115 |
| Noninterest income to average assets | 0.7964% | 2,069 |
| Noninterest expense to average assets | 3.5440% | 1,827 |
| Loan and lease loss provision to assets | 0.1786% | 4,244 |
| Net operating income to assets | 0.4264% | 4,873 |
| Return on assets (ROA) | 0.4264% | 5,068 |
| Pretax return on assets | 0.6121% | 4,768 |
| Return on Equity (ROE) | 3.8780% | 5,047 |
| Retained earnings to average equity (ytd only) | 3.8780% | 3,962 |
| Net charge-offs to loans | 0.7931% | 1,974 |
| Credit loss provision to net charge-offs | 37.0370% | 5,299 |
| Earnings coverage of net charge-offs (x) | 1.6400% | 4,416 |
| Efficiency ratio | 81.7598% | 2,009 |
| Assets per employee ($millions) | 3.3840% | 5,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4999% | 1,400 |
| Loan loss allowance to noncurrent loans | 41.3992% | 5,547 |
| Noncurrent assets plus other real estate owned to assets | 5.1930% | 1,101 |
| Noncurrent loans to loans | 6.0384% | 926 |
| Net loans and leases to total assets | 57.6067% | 4,565 |
| Net loans and leases to deposits | 66.6368% | 4,807 |
| Net loans and leases to core deposits | 69.5172% | 5,006 |
| Total domestic deposits to total assets | 86.4488% | 2,958 |
| Equity capital to assets | 11.0789% | 3,068 |
| Core capital (leverage) ratio | 9.5839% | 4,017 |
| Tier 1 risk-based capital ratio | 15.7380% | 3,259 |
| Total risk-based capital ratio | 17.0000% | 3,217 |
| Memoranda: | ||
| Average total assets | $186,678,750 | 3,250 |
| Average earning assets | $166,879,250 | 3,303 |
| Average equity | $20,525,500 | 3,072 |
| Average total loans | $113,472,250 | 3,335 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7913% | 4,129 |
| Cost of funding earning assets | 0.7731% | 5,546 |
| Net interest margin | 4.0182% | 2,756 |
| Noninterest income to average assets | 0.8302% | 1,890 |
| Noninterest expense to average assets | 3.5006% | 1,974 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6138% | 3,991 |
| Return on assets (ROA) | 0.6138% | 4,124 |
| Pretax return on assets | 0.9282% | 3,518 |
| Return on Equity (ROE) | 5.5967% | 4,159 |
| Retained earnings to average equity (ytd only) | 5.5967% | 2,643 |
| Net charge-offs to loans | 0.1702% | 4,157 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 8.8866% | 1,993 |
| Efficiency ratio | 79.0421% | 2,551 |
| Assets per employee ($millions) | 3.2719% | 5,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7895% | 1,084 |
| Loan loss allowance to noncurrent loans | 65.3637% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 4.2879% | 1,480 |
| Noncurrent loans to loans | 4.2677% | 1,586 |
| Net loans and leases to total assets | 58.4295% | 4,557 |
| Net loans and leases to deposits | 67.9256% | 4,719 |
| Net loans and leases to core deposits | 69.7910% | 5,097 |
| Total domestic deposits to total assets | 86.0198% | 3,316 |
| Equity capital to assets | 11.1898% | 2,774 |
| Core capital (leverage) ratio | 10.6324% | 2,583 |
| Tier 1 risk-based capital ratio | 15.7970% | 3,081 |
| Total risk-based capital ratio | 17.0623% | 3,056 |
| Memoranda: | ||
| Average total assets | $185,737,000 | 3,291 |
| Average earning assets | $166,343,000 | 3,332 |
| Average equity | $20,369,000 | 3,076 |
| Average total loans | $113,974,330 | 3,360 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6411% | 4,779 |
| Cost of funding earning assets | 0.8127% | 5,513 |
| Net interest margin | 3.8284% | 3,475 |
| Noninterest income to average assets | 1.1027% | 1,079 |
| Noninterest expense to average assets | 3.3557% | 2,393 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7683% | 3,181 |
| Return on assets (ROA) | 0.7683% | 3,256 |
| Pretax return on assets | 1.1934% | 2,392 |
| Return on Equity (ROE) | 7.0779% | 3,338 |
| Retained earnings to average equity (ytd only) | 7.0779% | 2,113 |
| Net charge-offs to loans | 0.1427% | 3,644 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 13.4878% | 1,431 |
| Efficiency ratio | 73.7666% | 3,555 |
| Assets per employee ($millions) | 3.1837% | 5,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8720% | 1,036 |
| Loan loss allowance to noncurrent loans | 55.3084% | 4,689 |
| Noncurrent assets plus other real estate owned to assets | 4.8881% | 1,295 |
| Noncurrent loans to loans | 5.1927% | 1,286 |
| Net loans and leases to total assets | 58.2955% | 4,595 |
| Net loans and leases to deposits | 67.7707% | 4,709 |
| Net loans and leases to core deposits | 71.1660% | 4,909 |
| Total domestic deposits to total assets | 86.0187% | 3,522 |
| Equity capital to assets | 10.9724% | 2,716 |
| Core capital (leverage) ratio | 10.4089% | 2,693 |
| Tier 1 risk-based capital ratio | 15.6074% | 3,101 |
| Total risk-based capital ratio | 16.8737% | 3,051 |
| Memoranda: | ||
| Average total assets | $185,355,500 | 3,313 |
| Average earning assets | $166,858,000 | 3,345 |
| Average equity | $20,119,000 | 3,094 |
| Average total loans | $114,912,500 | 3,369 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0579% | 4,290 |
| Cost of funding earning assets | 1.1985% | 4,573 |
| Net interest margin | 3.8594% | 3,692 |
| Noninterest income to average assets | 0.4981% | 4,185 |
| Noninterest expense to average assets | 3.7221% | 1,650 |
| Loan and lease loss provision to assets | 0.9687% | 1,670 |
| Net operating income to assets | -0.3417% | 6,259 |
| Return on assets (ROA) | -0.1681% | 6,126 |
| Pretax return on assets | -0.4598% | 6,293 |
| Return on Equity (ROE) | -1.5950% | 6,129 |
| Retained earnings to average equity (ytd only) | -1.5950% | 5,903 |
| Net charge-offs to loans | 0.9534% | 2,275 |
| Credit loss provision to net charge-offs | 158.6611% | 2,214 |
| Earnings coverage of net charge-offs (x) | 0.3891% | 5,718 |
| Efficiency ratio | 94.0000% | 1,060 |
| Assets per employee ($millions) | 3.3224% | 5,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7093% | 1,153 |
| Loan loss allowance to noncurrent loans | 48.1913% | 5,104 |
| Noncurrent assets plus other real estate owned to assets | 4.6840% | 1,408 |
| Noncurrent loans to loans | 5.6220% | 1,158 |
| Net loans and leases to total assets | 62.2245% | 4,236 |
| Net loans and leases to deposits | 72.5013% | 4,431 |
| Net loans and leases to core deposits | 75.3505% | 4,807 |
| Total domestic deposits to total assets | 85.8253% | 3,443 |
| Equity capital to assets | 10.7370% | 2,914 |
| Core capital (leverage) ratio | 9.9413% | 3,153 |
| Tier 1 risk-based capital ratio | 14.8136% | 3,365 |
| Total risk-based capital ratio | 16.0791% | 3,310 |
| Memoranda: | ||
| Average total assets | $195,724,200 | 3,151 |
| Average earning assets | $175,547,400 | 3,177 |
| Average equity | $20,626,400 | 3,057 |
| Average total loans | $125,340,400 | 3,210 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1521% | 4,070 |
| Cost of funding earning assets | 1.2822% | 4,355 |
| Net interest margin | 3.8699% | 3,658 |
| Noninterest income to average assets | 0.6843% | 2,914 |
| Noninterest expense to average assets | 3.6828% | 1,605 |
| Loan and lease loss provision to assets | 0.5222% | 2,844 |
| Net operating income to assets | -0.0175% | 6,024 |
| Return on assets (ROA) | -0.0175% | 6,152 |
| Pretax return on assets | -0.0559% | 6,172 |
| Return on Equity (ROE) | -0.1668% | 6,158 |
| Retained earnings to average equity (ytd only) | -0.1668% | 5,822 |
| Net charge-offs to loans | 0.5210% | 3,215 |
| Credit loss provision to net charge-offs | 156.4516% | 2,452 |
| Earnings coverage of net charge-offs (x) | 1.3972% | 4,686 |
| Efficiency ratio | 88.7609% | 1,385 |
| Assets per employee ($millions) | 3.2218% | 5,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3169% | 1,602 |
| Loan loss allowance to noncurrent loans | 49.0550% | 5,021 |
| Noncurrent assets plus other real estate owned to assets | 4.2486% | 1,612 |
| Noncurrent loans to loans | 4.7230% | 1,503 |
| Net loans and leases to total assets | 62.1720% | 4,493 |
| Net loans and leases to deposits | 73.0858% | 4,673 |
| Net loans and leases to core deposits | 74.8035% | 5,190 |
| Total domestic deposits to total assets | 85.0671% | 3,590 |
| Equity capital to assets | 11.0714% | 2,887 |
| Core capital (leverage) ratio | 10.1280% | 3,120 |
| Tier 1 risk-based capital ratio | 14.6290% | 3,439 |
| Total risk-based capital ratio | 15.8900% | 3,408 |
| Memoranda: | ||
| Average total assets | $198,141,000 | 3,167 |
| Average earning assets | $177,400,000 | 3,194 |
| Average equity | $20,788,750 | 3,074 |
| Average total loans | $126,926,250 | 3,231 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1542% | 4,170 |
| Cost of funding earning assets | 1.3863% | 3,963 |
| Net interest margin | 3.7679% | 4,057 |
| Noninterest income to average assets | 0.6443% | 3,037 |
| Noninterest expense to average assets | 3.6180% | 1,738 |
| Loan and lease loss provision to assets | 0.6523% | 2,207 |
| Net operating income to assets | -0.1573% | 6,299 |
| Return on assets (ROA) | -0.1573% | 6,361 |
| Pretax return on assets | -0.2480% | 6,370 |
| Return on Equity (ROE) | -1.5263% | 6,378 |
| Retained earnings to average equity (ytd only) | -1.5263% | 6,071 |
| Net charge-offs to loans | 0.5042% | 3,017 |
| Credit loss provision to net charge-offs | 201.5385% | 1,941 |
| Earnings coverage of net charge-offs (x) | 1.2492% | 4,570 |
| Efficiency ratio | 89.9480% | 1,334 |
| Assets per employee ($millions) | 2.9851% | 6,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3518% | 1,508 |
| Loan loss allowance to noncurrent loans | 54.0034% | 4,702 |
| Noncurrent assets plus other real estate owned to assets | 4.2409% | 1,583 |
| Noncurrent loans to loans | 4.3549% | 1,701 |
| Net loans and leases to total assets | 62.0060% | 4,684 |
| Net loans and leases to deposits | 72.6116% | 4,893 |
| Net loans and leases to core deposits | 74.3232% | 5,405 |
| Total domestic deposits to total assets | 85.3941% | 3,423 |
| Equity capital to assets | 10.8545% | 3,017 |
| Core capital (leverage) ratio | 9.7014% | 3,537 |
| Tier 1 risk-based capital ratio | 14.3556% | 3,515 |
| Total risk-based capital ratio | 15.6142% | 3,478 |
| Memoranda: | ||
| Average total assets | $200,826,670 | 3,156 |
| Average earning assets | $180,047,000 | 3,191 |
| Average equity | $20,703,330 | 3,079 |
| Average total loans | $128,907,670 | 3,216 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0882% | 4,588 |
| Cost of funding earning assets | 1.4717% | 3,725 |
| Net interest margin | 3.6165% | 4,647 |
| Noninterest income to average assets | 0.6280% | 3,100 |
| Noninterest expense to average assets | 3.5252% | 1,921 |
| Loan and lease loss provision to assets | 0.5347% | 2,364 |
| Net operating income to assets | -0.1147% | 6,446 |
| Return on assets (ROA) | -0.1147% | 6,524 |
| Pretax return on assets | -0.1828% | 6,541 |
| Return on Equity (ROE) | -1.1408% | 6,540 |
| Retained earnings to average equity (ytd only) | -1.1408% | 6,068 |
| Net charge-offs to loans | 0.6481% | 2,205 |
| Credit loss provision to net charge-offs | 127.9070% | 2,755 |
| Earnings coverage of net charge-offs (x) | 0.8419% | 4,292 |
| Efficiency ratio | 90.9228% | 1,359 |
| Assets per employee ($millions) | 3.4264% | 5,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9923% | 2,211 |
| Loan loss allowance to noncurrent loans | 39.5075% | 5,728 |
| Noncurrent assets plus other real estate owned to assets | 3.7466% | 1,859 |
| Noncurrent loans to loans | 5.0429% | 1,433 |
| Net loans and leases to total assets | 62.8538% | 4,570 |
| Net loans and leases to deposits | 73.4746% | 4,829 |
| Net loans and leases to core deposits | 77.2308% | 5,111 |
| Total domestic deposits to total assets | 85.5450% | 3,389 |
| Equity capital to assets | 10.2168% | 3,584 |
| Core capital (leverage) ratio | 9.4931% | 3,785 |
| Tier 1 risk-based capital ratio | 13.4786% | 3,996 |
| Total risk-based capital ratio | 14.7351% | 3,961 |
| Memoranda: | ||
| Average total assets | $205,717,000 | 3,148 |
| Average earning assets | $184,820,500 | 3,188 |
| Average equity | $20,686,500 | 3,101 |
| Average total loans | $132,705,000 | 3,207 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5208% | 4,034 |
| Cost of funding earning assets | 1.8482% | 3,742 |
| Net interest margin | 3.6725% | 4,249 |
| Noninterest income to average assets | 0.7999% | 2,405 |
| Noninterest expense to average assets | 3.2703% | 3,123 |
| Loan and lease loss provision to assets | 1.1960% | 1,924 |
| Net operating income to assets | -0.0847% | 5,653 |
| Return on assets (ROA) | -0.0655% | 5,635 |
| Pretax return on assets | -0.3113% | 5,843 |
| Return on Equity (ROE) | -0.6608% | 5,646 |
| Retained earnings to average equity (ytd only) | -0.6608% | 5,160 |
| Net charge-offs to loans | 1.1046% | 2,213 |
| Credit loss provision to net charge-offs | 164.2621% | 2,659 |
| Earnings coverage of net charge-offs (x) | 1.1741% | 4,954 |
| Efficiency ratio | 79.2781% | 2,996 |
| Assets per employee ($millions) | 3.5471% | 4,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8584% | 2,382 |
| Loan loss allowance to noncurrent loans | 43.5375% | 5,505 |
| Noncurrent assets plus other real estate owned to assets | 3.0988% | 2,241 |
| Noncurrent loans to loans | 4.2685% | 1,701 |
| Net loans and leases to total assets | 63.6671% | 4,663 |
| Net loans and leases to deposits | 77.2025% | 4,529 |
| Net loans and leases to core deposits | 89.1202% | 5,214 |
| Total domestic deposits to total assets | 82.4677% | 4,751 |
| Equity capital to assets | 9.9003% | 3,894 |
| Core capital (leverage) ratio | 9.3114% | 3,957 |
| Tier 1 risk-based capital ratio | 13.1844% | 4,024 |
| Total risk-based capital ratio | 14.4403% | 3,966 |
| Memoranda: | ||
| Average total assets | $207,531,400 | 3,087 |
| Average earning assets | $187,908,000 | 3,117 |
| Average equity | $20,581,600 | 3,127 |
| Average total loans | $136,794,000 | 3,141 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5525% | 4,140 |
| Cost of funding earning assets | 1.9073% | 3,844 |
| Net interest margin | 3.6452% | 4,300 |
| Noninterest income to average assets | 0.8395% | 2,246 |
| Noninterest expense to average assets | 3.3266% | 2,820 |
| Loan and lease loss provision to assets | 1.4814% | 1,296 |
| Net operating income to assets | -0.6876% | 6,592 |
| Return on assets (ROA) | -0.6477% | 6,570 |
| Pretax return on assets | -0.6161% | 6,409 |
| Return on Equity (ROE) | -6.5279% | 6,612 |
| Retained earnings to average equity (ytd only) | -6.5279% | 6,452 |
| Net charge-offs to loans | 1.2871% | 1,599 |
| Credit loss provision to net charge-offs | 173.9229% | 2,665 |
| Earnings coverage of net charge-offs (x) | 0.9690% | 5,093 |
| Efficiency ratio | 80.1209% | 2,822 |
| Assets per employee ($millions) | 3.2960% | 5,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8432% | 2,170 |
| Loan loss allowance to noncurrent loans | 66.2824% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 2.1739% | 3,129 |
| Noncurrent loans to loans | 2.7809% | 2,731 |
| Net loans and leases to total assets | 64.8840% | 4,678 |
| Net loans and leases to deposits | 80.1467% | 4,357 |
| Net loans and leases to core deposits | 92.3807% | 5,197 |
| Total domestic deposits to total assets | 80.9565% | 5,096 |
| Equity capital to assets | 9.6332% | 4,579 |
| Core capital (leverage) ratio | 8.7583% | 5,037 |
| Tier 1 risk-based capital ratio | 12.5204% | 4,527 |
| Total risk-based capital ratio | 13.7758% | 4,475 |
| Memoranda: | ||
| Average total assets | $207,095,250 | 3,110 |
| Average earning assets | $188,186,500 | 3,136 |
| Average equity | $20,547,250 | 3,166 |
| Average total loans | $137,051,750 | 3,174 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5415% | 4,379 |
| Cost of funding earning assets | 1.9452% | 4,033 |
| Net interest margin | 3.5963% | 4,377 |
| Noninterest income to average assets | 0.8052% | 2,383 |
| Noninterest expense to average assets | 3.2710% | 3,079 |
| Loan and lease loss provision to assets | 0.5577% | 2,789 |
| Net operating income to assets | 0.1895% | 5,305 |
| Return on assets (ROA) | 0.2368% | 5,225 |
| Pretax return on assets | 0.2996% | 5,210 |
| Return on Equity (ROE) | 2.3639% | 5,153 |
| Retained earnings to average equity (ytd only) | 2.3639% | 4,020 |
| Net charge-offs to loans | 0.7548% | 2,174 |
| Credit loss provision to net charge-offs | 111.6054% | 4,150 |
| Earnings coverage of net charge-offs (x) | 1.5957% | 4,346 |
| Efficiency ratio | 80.3991% | 2,977 |
| Assets per employee ($millions) | 3.3204% | 5,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1495% | 5,272 |
| Loan loss allowance to noncurrent loans | 42.8154% | 5,507 |
| Noncurrent assets plus other real estate owned to assets | 2.0040% | 3,192 |
| Noncurrent loans to loans | 2.6848% | 2,680 |
| Net loans and leases to total assets | 66.2667% | 4,517 |
| Net loans and leases to deposits | 82.5817% | 4,121 |
| Net loans and leases to core deposits | 94.6677% | 5,044 |
| Total domestic deposits to total assets | 80.2438% | 5,371 |
| Equity capital to assets | 9.9586% | 4,001 |
| Core capital (leverage) ratio | 9.3746% | 4,067 |
| Tier 1 risk-based capital ratio | 13.0502% | 4,109 |
| Total risk-based capital ratio | 14.1131% | 4,153 |
| Memoranda: | ||
| Average total assets | $206,911,670 | 3,142 |
| Average earning assets | $187,748,330 | 3,170 |
| Average equity | $20,728,670 | 3,134 |
| Average total loans | $136,982,670 | 3,207 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6379% | 4,119 |
| Cost of funding earning assets | 1.9674% | 4,298 |
| Net interest margin | 3.6706% | 4,015 |
| Noninterest income to average assets | 0.8650% | 2,013 |
| Noninterest expense to average assets | 3.1918% | 3,023 |
| Loan and lease loss provision to assets | 0.1400% | 5,161 |
| Net operating income to assets | 0.6320% | 3,874 |
| Return on assets (ROA) | 0.7212% | 3,656 |
| Pretax return on assets | 0.9758% | 3,439 |
| Return on Equity (ROE) | 7.1771% | 3,517 |
| Retained earnings to average equity (ytd only) | 7.1771% | 2,145 |
| Net charge-offs to loans | 0.1212% | 4,007 |
| Credit loss provision to net charge-offs | 175.6098% | 2,456 |
| Earnings coverage of net charge-offs (x) | 12.4878% | 1,798 |
| Efficiency ratio | 76.2303% | 3,449 |
| Assets per employee ($millions) | 3.2909% | 5,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1660% | 5,006 |
| Loan loss allowance to noncurrent loans | 46.0442% | 5,438 |
| Noncurrent assets plus other real estate owned to assets | 1.8338% | 3,165 |
| Noncurrent loans to loans | 2.5323% | 2,603 |
| Net loans and leases to total assets | 64.7197% | 4,857 |
| Net loans and leases to deposits | 81.1218% | 4,433 |
| Net loans and leases to core deposits | 92.4195% | 5,314 |
| Total domestic deposits to total assets | 79.7808% | 5,440 |
| Equity capital to assets | 10.1202% | 3,868 |
| Core capital (leverage) ratio | 9.6877% | 3,773 |
| Tier 1 risk-based capital ratio | 13.1748% | 4,070 |
| Total risk-based capital ratio | 14.2219% | 4,125 |
| Memoranda: | ||
| Average total assets | $205,775,000 | 3,169 |
| Average earning assets | $186,239,000 | 3,207 |
| Average equity | $20,677,000 | 3,153 |
| Average total loans | $135,358,000 | 3,263 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2238% | 4,397 |
| Cost of funding earning assets | 2.5194% | 4,095 |
| Net interest margin | 3.7044% | 4,456 |
| Noninterest income to average assets | 0.8601% | 2,164 |
| Noninterest expense to average assets | 3.2983% | 2,965 |
| Loan and lease loss provision to assets | 0.6320% | 2,298 |
| Net operating income to assets | 0.2230% | 5,782 |
| Return on assets (ROA) | 0.2330% | 5,573 |
| Pretax return on assets | 0.2857% | 5,539 |
| Return on Equity (ROE) | 2.3065% | 5,498 |
| Retained earnings to average equity (ytd only) | -2.0357% | 5,877 |
| Net charge-offs to loans | 0.8012% | 1,559 |
| Credit loss provision to net charge-offs | 125.6311% | 4,249 |
| Earnings coverage of net charge-offs (x) | 1.8000% | 5,174 |
| Efficiency ratio | 78.4594% | 2,841 |
| Assets per employee ($millions) | 3.0943% | 5,786 |
| Cash dividends to net income (ytd only)* | 188.2600% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1500% | 4,917 |
| Loan loss allowance to noncurrent loans | 54.1710% | 5,270 |
| Noncurrent assets plus other real estate owned to assets | 1.5811% | 3,074 |
| Noncurrent loans to loans | 2.1230% | 2,598 |
| Net loans and leases to total assets | 65.3206% | 4,987 |
| Net loans and leases to deposits | 80.6338% | 4,939 |
| Net loans and leases to core deposits | 90.2448% | 5,784 |
| Total domestic deposits to total assets | 81.0089% | 4,634 |
| Equity capital to assets | 9.9754% | 4,068 |
| Core capital (leverage) ratio | 9.7019% | 3,763 |
| Tier 1 risk-based capital ratio | 12.9437% | 4,142 |
| Total risk-based capital ratio | 13.9715% | 4,190 |
| Memoranda: | ||
| Average total assets | $204,742,000 | 3,076 |
| Average earning assets | $184,806,800 | 3,117 |
| Average equity | $20,681,000 | 3,136 |
| Average total loans | $128,558,400 | 3,292 |