Home > Premier Bank Minnesota > Performance and Condition Ratios
Premier 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 | 4.7978% | 2,478 |
| Cost of funding earning assets | 1.3063% | 2,500 |
| Net interest margin | 3.4915% | 2,203 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 2.2798% | 2,905 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.4415% | 1,133 |
| Return on assets (ROA) | 1.4415% | 1,103 |
| Pretax return on assets | 1.4415% | 1,550 |
| Return on Equity (ROE) | 16.2700% | 1,057 |
| Retained earnings to average equity (ytd only) | 10.0504% | 1,008 |
| Net charge-offs to loans | -0.0136% | 4,048 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 60.6650% | 3,007 |
| Assets per employee ($millions) | 8.5383% | 1,164 |
| Cash dividends to net income (ytd only)* | 38.2188% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2281% | 2,125 |
| Loan loss allowance to noncurrent loans | 2,931.4159% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.2161% | 2,145 |
| Noncurrent loans to loans | 0.0419% | 3,423 |
| Net loans and leases to total assets | 80.0100% | 641 |
| Net loans and leases to deposits | 93.7772% | 955 |
| Net loans and leases to core deposits | 107.0366% | 1,068 |
| Total domestic deposits to total assets | 85.3200% | 2,205 |
| Equity capital to assets | 9.1300% | 2,590 |
| Core capital (leverage) ratio | 10.0710% | 2,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2695% | 2,147 |
| Memoranda: | ||
| Average total assets | $641,849,200 | 1,390 |
| Average earning assets | $614,119,800 | 1,354 |
| Average equity | $56,873,200 | 1,445 |
| Average total loans | $515,997,000 | 1,198 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6725% | 2,530 |
| Cost of funding earning assets | 1.1758% | 2,507 |
| Net interest margin | 3.4967% | 2,218 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 2.2687% | 2,893 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4983% | 1,128 |
| Return on assets (ROA) | 1.4983% | 1,112 |
| Pretax return on assets | 1.4983% | 1,556 |
| Return on Equity (ROE) | 17.0400% | 1,069 |
| Retained earnings to average equity (ytd only) | 11.2670% | 1,112 |
| Net charge-offs to loans | -0.0154% | 4,062 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.2260% | 2,937 |
| Assets per employee ($millions) | 7.8828% | 1,411 |
| Cash dividends to net income (ytd only)* | 33.8978% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2081% | 2,317 |
| Loan loss allowance to noncurrent loans | 419.6053% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.4228% | 1,372 |
| Noncurrent loans to loans | 0.2879% | 2,206 |
| Net loans and leases to total assets | 80.6900% | 571 |
| Net loans and leases to deposits | 93.8727% | 906 |
| Net loans and leases to core deposits | 104.2227% | 1,113 |
| Total domestic deposits to total assets | 85.9600% | 2,208 |
| Equity capital to assets | 8.9296% | 2,461 |
| Core capital (leverage) ratio | 10.0776% | 2,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3040% | 2,158 |
| Memoranda: | ||
| Average total assets | $635,813,750 | 1,402 |
| Average earning assets | $609,136,250 | 1,361 |
| Average equity | $55,890,250 | 1,456 |
| Average total loans | $510,129,250 | 1,208 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5684% | 2,487 |
| Cost of funding earning assets | 1.0716% | 2,378 |
| Net interest margin | 3.4968% | 2,277 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 2.2698% | 2,889 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.5031% | 1,098 |
| Return on assets (ROA) | 1.5031% | 1,098 |
| Pretax return on assets | 1.5031% | 1,595 |
| Return on Equity (ROE) | 17.1900% | 1,064 |
| Retained earnings to average equity (ytd only) | 11.9789% | 989 |
| Net charge-offs to loans | -0.0238% | 4,171 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.1610% | 2,938 |
| Assets per employee ($millions) | 8.2818% | 1,196 |
| Cash dividends to net income (ytd only)* | 30.3241% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2637% | 2,109 |
| Loan loss allowance to noncurrent loans | 3,271.2821% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.2237% | 2,071 |
| Noncurrent loans to loans | 0.0386% | 3,453 |
| Net loans and leases to total assets | 79.1900% | 716 |
| Net loans and leases to deposits | 91.3399% | 1,072 |
| Net loans and leases to core deposits | 100.2337% | 1,223 |
| Total domestic deposits to total assets | 86.6900% | 2,030 |
| Equity capital to assets | 8.9781% | 2,524 |
| Core capital (leverage) ratio | 10.0964% | 2,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4322% | 2,124 |
| Memoranda: | ||
| Average total assets | $632,289,000 | 1,406 |
| Average earning assets | $605,640,333 | 1,368 |
| Average equity | $55,280,333 | 1,474 |
| Average total loans | $504,191,000 | 1,205 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4489% | 2,428 |
| Cost of funding earning assets | 0.9546% | 2,203 |
| Net interest margin | 3.4943% | 2,381 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.0968% | 3,392 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5306% | 1,116 |
| Return on assets (ROA) | 1.5306% | 1,096 |
| Pretax return on assets | 1.5306% | 1,602 |
| Return on Equity (ROE) | 17.7400% | 1,059 |
| Retained earnings to average equity (ytd only) | 17.6345% | 548 |
| Net charge-offs to loans | 0.0008% | 2,037 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 2,425.0000% | 32 |
| Efficiency ratio | 57.8041% | 3,213 |
| Assets per employee ($millions) | 8.4408% | 1,149 |
| Cash dividends to net income (ytd only)* | 0.6186% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2612% | 2,235 |
| Loan loss allowance to noncurrent loans | 3,081.9512% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.2240% | 2,005 |
| Noncurrent loans to loans | 0.0409% | 3,443 |
| Net loans and leases to total assets | 78.1300% | 752 |
| Net loans and leases to deposits | 90.8144% | 989 |
| Net loans and leases to core deposits | 98.7207% | 1,143 |
| Total domestic deposits to total assets | 86.0400% | 2,576 |
| Equity capital to assets | 8.9404% | 2,562 |
| Core capital (leverage) ratio | 9.9178% | 2,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0936% | 2,358 |
| Memoranda: | ||
| Average total assets | $633,723,500 | 1,427 |
| Average earning assets | $605,897,000 | 1,387 |
| Average equity | $54,665,500 | 1,497 |
| Average total loans | $503,888,000 | 1,221 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9768% | 1,769 |
| Cost of funding earning assets | 0.2510% | 3,313 |
| Net interest margin | 3.7257% | 1,320 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 2.2291% | 2,948 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 1.5305% | 820 |
| Return on assets (ROA) | 1.5305% | 794 |
| Pretax return on assets | 1.5305% | 1,362 |
| Return on Equity (ROE) | 18.9300% | 580 |
| Retained earnings to average equity (ytd only) | 10.4549% | 1,019 |
| Net charge-offs to loans | 0.0393% | 1,309 |
| Credit loss provision to net charge-offs | 551.0309% | 639 |
| Earnings coverage of net charge-offs (x) | 56.6701% | 1,294 |
| Efficiency ratio | 56.7999% | 3,492 |
| Assets per employee ($millions) | 8.4585% | 1,108 |
| Cash dividends to net income (ytd only)* | 44.7657% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2280% | 2,255 |
| Loan loss allowance to noncurrent loans | 2,908.4112% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.2249% | 2,029 |
| Noncurrent loans to loans | 0.0422% | 3,463 |
| Net loans and leases to total assets | 78.9100% | 706 |
| Net loans and leases to deposits | 91.3337% | 960 |
| Net loans and leases to core deposits | 96.2182% | 1,194 |
| Total domestic deposits to total assets | 86.4000% | 2,604 |
| Equity capital to assets | 8.3124% | 2,843 |
| Core capital (leverage) ratio | 9.7517% | 2,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5490% | 2,550 |
| Memoranda: | ||
| Average total assets | $648,480,800 | 1,380 |
| Average earning assets | $620,199,000 | 1,353 |
| Average equity | $52,434,800 | 1,555 |
| Average total loans | $493,057,000 | 1,192 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9558% | 1,351 |
| Cost of funding earning assets | 0.1204% | 4,123 |
| Net interest margin | 3.8354% | 899 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 2.3184% | 2,579 |
| Loan and lease loss provision to assets | 0.1900% | 485 |
| Net operating income to assets | 1.5584% | 726 |
| Return on assets (ROA) | 1.5584% | 704 |
| Pretax return on assets | 1.5584% | 1,236 |
| Return on Equity (ROE) | 19.5500% | 474 |
| Retained earnings to average equity (ytd only) | 12.5548% | 683 |
| Net charge-offs to loans | 0.0991% | 620 |
| Credit loss provision to net charge-offs | 259.2784% | 883 |
| Earnings coverage of net charge-offs (x) | 23.6031% | 1,648 |
| Efficiency ratio | 56.9764% | 3,520 |
| Assets per employee ($millions) | 8.0314% | 1,306 |
| Cash dividends to net income (ytd only)* | 35.7704% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2281% | 2,376 |
| Loan loss allowance to noncurrent loans | 1,473.5426% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.2400% | 2,023 |
| Noncurrent loans to loans | 0.0833% | 3,283 |
| Net loans and leases to total assets | 76.5300% | 856 |
| Net loans and leases to deposits | 83.3914% | 1,346 |
| Net loans and leases to core deposits | 83.9589% | 1,655 |
| Total domestic deposits to total assets | 91.7700% | 950 |
| Equity capital to assets | 7.7350% | 3,063 |
| Core capital (leverage) ratio | 9.2524% | 3,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9094% | 2,510 |
| Memoranda: | ||
| Average total assets | $348,732,250 | 2,240 |
| Average earning assets | $332,229,750 | 2,199 |
| Average equity | $27,802,750 | 2,471 |
| Average total loans | $261,102,250 | 1,891 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7594% | 1,401 |
| Cost of funding earning assets | 0.1075% | 4,109 |
| Net interest margin | 3.6518% | 992 |
| Noninterest income to average assets | 0.4185% | 2,640 |
| Noninterest expense to average assets | 2.3209% | 2,492 |
| Loan and lease loss provision to assets | 0.1795% | 489 |
| Net operating income to assets | 1.3926% | 920 |
| Return on assets (ROA) | 1.3926% | 899 |
| Pretax return on assets | 1.3926% | 1,462 |
| Return on Equity (ROE) | 17.2975% | 533 |
| Retained earnings to average equity (ytd only) | 10.1541% | 975 |
| Net charge-offs to loans | 0.1452% | 444 |
| Credit loss provision to net charge-offs | 167.0213% | 1,048 |
| Earnings coverage of net charge-offs (x) | 14.6277% | 1,652 |
| Efficiency ratio | 59.6182% | 3,344 |
| Assets per employee ($millions) | 8.0845% | 1,254 |
| Cash dividends to net income (ytd only)* | 41.2972% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1952% | 2,704 |
| Loan loss allowance to noncurrent loans | 1,136.6300% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.2848% | 1,877 |
| Noncurrent loans to loans | 0.1052% | 3,222 |
| Net loans and leases to total assets | 73.7903% | 937 |
| Net loans and leases to deposits | 80.2744% | 1,367 |
| Net loans and leases to core deposits | 80.8159% | 1,670 |
| Total domestic deposits to total assets | 91.9226% | 869 |
| Equity capital to assets | 7.7881% | 3,281 |
| Core capital (leverage) ratio | 9.1518% | 3,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8461% | 2,551 |
| Memoranda: | ||
| Average total assets | $349,859,000 | 2,250 |
| Average earning assets | $332,876,667 | 2,215 |
| Average equity | $28,166,000 | 2,515 |
| Average total loans | $258,944,333 | 1,902 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7245% | 1,233 |
| Cost of funding earning assets | 0.1144% | 3,956 |
| Net interest margin | 3.6102% | 876 |
| Noninterest income to average assets | 0.3533% | 2,978 |
| Noninterest expense to average assets | 2.3432% | 2,360 |
| Loan and lease loss provision to assets | 0.2507% | 259 |
| Net operating income to assets | 1.2126% | 1,219 |
| Return on assets (ROA) | 1.2126% | 1,207 |
| Pretax return on assets | 1.2126% | 1,760 |
| Return on Equity (ROE) | 14.8231% | 682 |
| Retained earnings to average equity (ytd only) | 10.0167% | 1,013 |
| Net charge-offs to loans | 0.2892% | 219 |
| Credit loss provision to net charge-offs | 117.6471% | 940 |
| Earnings coverage of net charge-offs (x) | 6.8663% | 1,557 |
| Efficiency ratio | 61.5569% | 3,316 |
| Assets per employee ($millions) | 8.3220% | 1,202 |
| Cash dividends to net income (ytd only)* | 32.4248% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1687% | 3,010 |
| Loan loss allowance to noncurrent loans | 334.8165% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.3934% | 1,526 |
| Noncurrent loans to loans | 0.3491% | 2,233 |
| Net loans and leases to total assets | 72.8255% | 760 |
| Net loans and leases to deposits | 79.3605% | 1,191 |
| Net loans and leases to core deposits | 80.4501% | 1,451 |
| Total domestic deposits to total assets | 91.7654% | 668 |
| Equity capital to assets | 7.9519% | 3,608 |
| Core capital (leverage) ratio | 8.8654% | 3,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5818% | 2,750 |
| Memoranda: | ||
| Average total assets | $350,971,000 | 2,253 |
| Average earning assets | $335,720,000 | 2,209 |
| Average equity | $28,712,000 | 2,552 |
| Average total loans | $258,604,500 | 1,895 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9308% | 1,540 |
| Cost of funding earning assets | 0.1806% | 3,654 |
| Net interest margin | 3.7502% | 1,101 |
| Noninterest income to average assets | 0.5347% | 2,417 |
| Noninterest expense to average assets | 2.2059% | 3,061 |
| Loan and lease loss provision to assets | 0.0638% | 1,793 |
| Net operating income to assets | 1.6996% | 631 |
| Return on assets (ROA) | 1.6996% | 656 |
| Pretax return on assets | 1.8445% | 828 |
| Return on Equity (ROE) | 18.3669% | 434 |
| Retained earnings to average equity (ytd only) | 13.0783% | 387 |
| Net charge-offs to loans | 0.0184% | 1,915 |
| Credit loss provision to net charge-offs | 475.5556% | 824 |
| Earnings coverage of net charge-offs (x) | 142.2000% | 696 |
| Efficiency ratio | 53.6170% | 3,970 |
| Assets per employee ($millions) | 8.1957% | 1,221 |
| Cash dividends to net income (ytd only)* | 28.7945% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1461% | 3,142 |
| Loan loss allowance to noncurrent loans | 269.5652% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.4583% | 1,441 |
| Noncurrent loans to loans | 0.4252% | 2,073 |
| Net loans and leases to total assets | 72.8341% | 773 |
| Net loans and leases to deposits | 79.7251% | 1,242 |
| Net loans and leases to core deposits | 80.8137% | 1,532 |
| Total domestic deposits to total assets | 91.3565% | 367 |
| Equity capital to assets | 8.4077% | 4,110 |
| Core capital (leverage) ratio | 8.3947% | 4,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4818% | 2,780 |
| Memoranda: | ||
| Average total assets | $335,322,000 | 2,270 |
| Average earning assets | $320,060,200 | 2,230 |
| Average equity | $31,028,600 | 2,469 |
| Average total loans | $244,114,800 | 1,967 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9813% | 1,585 |
| Cost of funding earning assets | 0.1976% | 3,625 |
| Net interest margin | 3.7837% | 1,151 |
| Noninterest income to average assets | 0.5844% | 2,277 |
| Noninterest expense to average assets | 2.1954% | 3,086 |
| Loan and lease loss provision to assets | 0.0257% | 2,486 |
| Net operating income to assets | 1.7858% | 684 |
| Return on assets (ROA) | 1.7858% | 718 |
| Pretax return on assets | 1.9578% | 851 |
| Return on Equity (ROE) | 18.8406% | 530 |
| Retained earnings to average equity (ytd only) | 13.4187% | 579 |
| Net charge-offs to loans | -0.0006% | 3,088 |
| Credit loss provision to net charge-offs | -6,400.0000% | 4,168 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5347% | 3,980 |
| Assets per employee ($millions) | 8.8599% | 939 |
| Cash dividends to net income (ytd only)* | 28.7776% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1754% | 3,099 |
| Loan loss allowance to noncurrent loans | 247.8861% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.4763% | 1,595 |
| Noncurrent loans to loans | 0.4742% | 2,135 |
| Net loans and leases to total assets | 68.1614% | 1,303 |
| Net loans and leases to deposits | 75.3438% | 1,733 |
| Net loans and leases to core deposits | 76.4376% | 2,007 |
| Total domestic deposits to total assets | 90.4672% | 577 |
| Equity capital to assets | 9.1595% | 3,691 |
| Core capital (leverage) ratio | 9.1724% | 3,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2216% | 2,288 |
| Memoranda: | ||
| Average total assets | $331,048,500 | 2,313 |
| Average earning assets | $314,495,000 | 2,277 |
| Average equity | $31,378,250 | 2,481 |
| Average total loans | $240,229,750 | 2,024 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2175% | 1,154 |
| Cost of funding earning assets | 0.2134% | 3,619 |
| Net interest margin | 4.0041% | 814 |
| Noninterest income to average assets | 0.4102% | 3,056 |
| Noninterest expense to average assets | 2.2242% | 2,999 |
| Loan and lease loss provision to assets | 0.0365% | 2,261 |
| Net operating income to assets | 1.9451% | 540 |
| Return on assets (ROA) | 1.9451% | 559 |
| Pretax return on assets | 1.9451% | 931 |
| Return on Equity (ROE) | 20.2725% | 435 |
| Retained earnings to average equity (ytd only) | 12.4060% | 830 |
| Net charge-offs to loans | 0.0176% | 1,594 |
| Credit loss provision to net charge-offs | 280.9524% | 917 |
| Earnings coverage of net charge-offs (x) | 152.5238% | 586 |
| Efficiency ratio | 52.8832% | 3,941 |
| Assets per employee ($millions) | 7.8346% | 1,284 |
| Cash dividends to net income (ytd only)* | 38.8041% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1788% | 3,055 |
| Loan loss allowance to noncurrent loans | 1,459.4872% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.4508% | 1,833 |
| Noncurrent loans to loans | 0.0808% | 3,783 |
| Net loans and leases to total assets | 69.2134% | 1,295 |
| Net loans and leases to deposits | 76.4363% | 1,777 |
| Net loans and leases to core deposits | 77.4489% | 2,098 |
| Total domestic deposits to total assets | 90.5503% | 537 |
| Equity capital to assets | 9.1135% | 3,692 |
| Core capital (leverage) ratio | 9.2452% | 3,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2640% | 2,259 |
| Memoranda: | ||
| Average total assets | $323,265,667 | 2,345 |
| Average earning assets | $306,434,333 | 2,310 |
| Average equity | $31,017,333 | 2,487 |
| Average total loans | $238,828,000 | 2,041 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5570% | 718 |
| Cost of funding earning assets | 0.2307% | 3,639 |
| Net interest margin | 4.3263% | 495 |
| Noninterest income to average assets | 0.4019% | 3,078 |
| Noninterest expense to average assets | 2.1898% | 3,137 |
| Loan and lease loss provision to assets | 0.0512% | 2,080 |
| Net operating income to assets | 2.2896% | 363 |
| Return on assets (ROA) | 2.2896% | 392 |
| Pretax return on assets | 2.2896% | 597 |
| Return on Equity (ROE) | 23.2202% | 326 |
| Retained earnings to average equity (ytd only) | 23.2202% | 178 |
| Net charge-offs to loans | 0.0370% | 1,104 |
| Credit loss provision to net charge-offs | 181.8182% | 919 |
| Earnings coverage of net charge-offs (x) | 83.1364% | 683 |
| Efficiency ratio | 48.3333% | 4,319 |
| Assets per employee ($millions) | 7.5205% | 1,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1856% | 2,999 |
| Loan loss allowance to noncurrent loans | 1,365.2174% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.4843% | 1,940 |
| Noncurrent loans to loans | 0.0868% | 3,871 |
| Net loans and leases to total assets | 72.8366% | 917 |
| Net loans and leases to deposits | 80.9201% | 1,432 |
| Net loans and leases to core deposits | 82.1469% | 1,829 |
| Total domestic deposits to total assets | 90.0105% | 812 |
| Equity capital to assets | 9.6926% | 3,009 |
| Core capital (leverage) ratio | 9.9331% | 2,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2379% | 2,190 |
| Memoranda: | ||
| Average total assets | $312,538,000 | 2,385 |
| Average earning assets | $298,267,500 | 2,344 |
| Average equity | $30,818,000 | 2,493 |
| Average total loans | $237,522,500 | 2,048 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5321% | 1,232 |
| Cost of funding earning assets | 0.4592% | 3,223 |
| Net interest margin | 4.0730% | 835 |
| Noninterest income to average assets | 0.6151% | 2,162 |
| Noninterest expense to average assets | 2.3512% | 3,270 |
| Loan and lease loss provision to assets | 0.4758% | 556 |
| Net operating income to assets | 1.6571% | 562 |
| Return on assets (ROA) | 1.6567% | 606 |
| Pretax return on assets | 1.6567% | 939 |
| Return on Equity (ROE) | 16.6277% | 445 |
| Retained earnings to average equity (ytd only) | 9.5084% | 684 |
| Net charge-offs to loans | 0.2436% | 705 |
| Credit loss provision to net charge-offs | 250.9982% | 1,935 |
| Earnings coverage of net charge-offs (x) | 11.2523% | 2,411 |
| Efficiency ratio | 52.4357% | 4,355 |
| Assets per employee ($millions) | 6.7044% | 1,780 |
| Cash dividends to net income (ytd only)* | 42.8156% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1864% | 3,020 |
| Loan loss allowance to noncurrent loans | 1,200.0000% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.5280% | 1,969 |
| Noncurrent loans to loans | 0.0989% | 3,899 |
| Net loans and leases to total assets | 77.5191% | 646 |
| Net loans and leases to deposits | 86.5411% | 1,211 |
| Net loans and leases to core deposits | 88.0890% | 1,686 |
| Total domestic deposits to total assets | 89.5749% | 743 |
| Equity capital to assets | 10.0406% | 3,096 |
| Core capital (leverage) ratio | 9.7927% | 2,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9199% | 2,271 |
| Memoranda: | ||
| Average total assets | $290,696,600 | 2,341 |
| Average earning assets | $276,138,800 | 2,312 |
| Average equity | $28,963,800 | 2,535 |
| Average total loans | $226,233,400 | 2,061 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6940% | 1,082 |
| Cost of funding earning assets | 0.5168% | 3,129 |
| Net interest margin | 4.1771% | 768 |
| Noninterest income to average assets | 0.5556% | 2,370 |
| Noninterest expense to average assets | 2.3305% | 3,340 |
| Loan and lease loss provision to assets | 0.6095% | 409 |
| Net operating income to assets | 1.5790% | 769 |
| Return on assets (ROA) | 1.5785% | 839 |
| Pretax return on assets | 1.5785% | 1,247 |
| Return on Equity (ROE) | 15.8748% | 559 |
| Retained earnings to average equity (ytd only) | 8.9921% | 981 |
| Net charge-offs to loans | 0.3500% | 450 |
| Credit loss provision to net charge-offs | 224.1908% | 2,021 |
| Earnings coverage of net charge-offs (x) | 8.0511% | 2,527 |
| Efficiency ratio | 51.5729% | 4,377 |
| Assets per employee ($millions) | 7.0311% | 1,480 |
| Cash dividends to net income (ytd only)* | 43.3558% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1629% | 2,874 |
| Loan loss allowance to noncurrent loans | 430.7325% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.6572% | 1,763 |
| Noncurrent loans to loans | 0.2700% | 3,327 |
| Net loans and leases to total assets | 76.0391% | 1,089 |
| Net loans and leases to deposits | 85.7337% | 1,737 |
| Net loans and leases to core deposits | 87.8152% | 2,164 |
| Total domestic deposits to total assets | 88.6921% | 898 |
| Equity capital to assets | 9.7672% | 3,463 |
| Core capital (leverage) ratio | 9.4776% | 3,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9623% | 2,217 |
| Memoranda: | ||
| Average total assets | $287,946,750 | 2,339 |
| Average earning assets | $273,195,750 | 2,311 |
| Average equity | $28,631,750 | 2,549 |
| Average total loans | $223,621,750 | 2,080 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0514% | 758 |
| Cost of funding earning assets | 0.5673% | 3,139 |
| Net interest margin | 4.4841% | 520 |
| Noninterest income to average assets | 0.5707% | 2,251 |
| Noninterest expense to average assets | 2.4220% | 3,193 |
| Loan and lease loss provision to assets | 0.3503% | 1,208 |
| Net operating income to assets | 2.0413% | 303 |
| Return on assets (ROA) | 2.0413% | 337 |
| Pretax return on assets | 2.0413% | 500 |
| Return on Equity (ROE) | 20.4007% | 226 |
| Retained earnings to average equity (ytd only) | 11.3439% | 559 |
| Net charge-offs to loans | 0.2157% | 717 |
| Credit loss provision to net charge-offs | 208.4034% | 1,880 |
| Earnings coverage of net charge-offs (x) | 14.2269% | 1,953 |
| Efficiency ratio | 50.3155% | 4,484 |
| Assets per employee ($millions) | 6.4542% | 1,828 |
| Cash dividends to net income (ytd only)* | 44.3945% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9775% | 3,678 |
| Loan loss allowance to noncurrent loans | 233.1942% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 0.7479% | 1,651 |
| Noncurrent loans to loans | 0.4192% | 2,909 |
| Net loans and leases to total assets | 73.0492% | 1,549 |
| Net loans and leases to deposits | 82.0179% | 2,203 |
| Net loans and leases to core deposits | 83.9456% | 2,608 |
| Total domestic deposits to total assets | 89.0650% | 721 |
| Equity capital to assets | 9.4347% | 3,717 |
| Core capital (leverage) ratio | 9.7673% | 3,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8709% | 2,234 |
| Memoranda: | ||
| Average total assets | $283,149,667 | 2,346 |
| Average earning assets | $267,926,000 | 2,317 |
| Average equity | $28,332,333 | 2,565 |
| Average total loans | $220,629,000 | 2,076 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6959% | 1,722 |
| Cost of funding earning assets | 0.6524% | 3,157 |
| Net interest margin | 4.0434% | 1,278 |
| Noninterest income to average assets | 0.5426% | 2,319 |
| Noninterest expense to average assets | 2.6091% | 2,957 |
| Loan and lease loss provision to assets | 0.0623% | 2,990 |
| Net operating income to assets | 1.6841% | 530 |
| Return on assets (ROA) | 1.6841% | 583 |
| Pretax return on assets | 1.6841% | 881 |
| Return on Equity (ROE) | 16.2961% | 392 |
| Retained earnings to average equity (ytd only) | 16.2961% | 134 |
| Net charge-offs to loans | -0.0074% | 3,971 |
| Credit loss provision to net charge-offs | -1,050.0000% | 3,564 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9047% | 3,751 |
| Assets per employee ($millions) | 6.5033% | 1,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9347% | 3,988 |
| Loan loss allowance to noncurrent loans | 311.0769% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.8373% | 1,604 |
| Noncurrent loans to loans | 0.3005% | 3,424 |
| Net loans and leases to total assets | 78.4592% | 911 |
| Net loans and leases to deposits | 89.3487% | 1,588 |
| Net loans and leases to core deposits | 91.9597% | 2,163 |
| Total domestic deposits to total assets | 87.8123% | 1,179 |
| Equity capital to assets | 10.4969% | 3,325 |
| Core capital (leverage) ratio | 10.4008% | 3,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2037% | 2,620 |
| Memoranda: | ||
| Average total assets | $269,823,500 | 2,371 |
| Average earning assets | $254,437,000 | 2,348 |
| Average equity | $27,884,000 | 2,585 |
| Average total loans | $216,672,500 | 2,068 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0061% | 1,461 |
| Cost of funding earning assets | 0.6850% | 3,234 |
| Net interest margin | 4.3211% | 1,044 |
| Noninterest income to average assets | 0.7298% | 1,706 |
| Noninterest expense to average assets | 2.7274% | 2,811 |
| Loan and lease loss provision to assets | 0.2037% | 995 |
| Net operating income to assets | 1.8509% | 478 |
| Return on assets (ROA) | 1.8837% | 462 |
| Pretax return on assets | 1.8837% | 772 |
| Return on Equity (ROE) | 19.0500% | 266 |
| Retained earnings to average equity (ytd only) | 10.3341% | 428 |
| Net charge-offs to loans | 0.4833% | 391 |
| Credit loss provision to net charge-offs | 52.0121% | 3,109 |
| Earnings coverage of net charge-offs (x) | 5.2455% | 3,113 |
| Efficiency ratio | 57.0334% | 4,089 |
| Assets per employee ($millions) | 6.6628% | 1,203 |
| Cash dividends to net income (ytd only)* | 45.7531% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9105% | 3,911 |
| Loan loss allowance to noncurrent loans | 395.9920% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.9174% | 1,386 |
| Noncurrent loans to loans | 0.2299% | 3,622 |
| Net loans and leases to total assets | 80.6897% | 703 |
| Net loans and leases to deposits | 91.5105% | 1,426 |
| Net loans and leases to core deposits | 94.4203% | 2,023 |
| Total domestic deposits to total assets | 88.1753% | 1,045 |
| Equity capital to assets | 10.1673% | 3,764 |
| Core capital (leverage) ratio | 10.1233% | 3,387 |
| Tier 1 risk-based capital ratio | 12.0123% | 4,359 |
| Total risk-based capital ratio | 12.8956% | 4,442 |
| Memoranda: | ||
| Average total assets | $253,761,600 | 2,434 |
| Average earning assets | $237,970,800 | 2,422 |
| Average equity | $25,091,800 | 2,713 |
| Average total loans | $205,683,200 | 2,124 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0226% | 1,484 |
| Cost of funding earning assets | 0.6750% | 3,331 |
| Net interest margin | 4.3477% | 1,060 |
| Noninterest income to average assets | 0.3342% | 3,738 |
| Noninterest expense to average assets | 2.7084% | 2,847 |
| Loan and lease loss provision to assets | 0.0532% | 2,850 |
| Net operating income to assets | 1.6410% | 842 |
| Return on assets (ROA) | 1.6852% | 812 |
| Pretax return on assets | 1.6852% | 1,382 |
| Return on Equity (ROE) | 17.1715% | 462 |
| Retained earnings to average equity (ytd only) | 5.7148% | 2,502 |
| Net charge-offs to loans | 0.2393% | 745 |
| Credit loss provision to net charge-offs | 27.4725% | 2,928 |
| Earnings coverage of net charge-offs (x) | 8.7473% | 2,633 |
| Efficiency ratio | 61.5180% | 3,403 |
| Assets per employee ($millions) | 6.1107% | 1,524 |
| Cash dividends to net income (ytd only)* | 66.7192% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0124% | 3,502 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7608% | 1,806 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 81.4587% | 634 |
| Net loans and leases to deposits | 92.1657% | 1,416 |
| Net loans and leases to core deposits | 94.7767% | 2,102 |
| Total domestic deposits to total assets | 88.3829% | 883 |
| Equity capital to assets | 9.7256% | 4,266 |
| Core capital (leverage) ratio | 9.9679% | 3,668 |
| Tier 1 risk-based capital ratio | 11.2430% | 4,802 |
| Total risk-based capital ratio | 12.2148% | 4,807 |
| Memoranda: | ||
| Average total assets | $250,574,500 | 2,478 |
| Average earning assets | $234,479,000 | 2,461 |
| Average equity | $24,590,500 | 2,764 |
| Average total loans | $202,848,500 | 2,162 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0092% | 1,461 |
| Cost of funding earning assets | 0.6514% | 3,400 |
| Net interest margin | 4.3578% | 1,018 |
| Noninterest income to average assets | 0.1907% | 4,614 |
| Noninterest expense to average assets | 2.7341% | 2,805 |
| Loan and lease loss provision to assets | 0.0503% | 2,813 |
| Net operating income to assets | 1.4880% | 1,180 |
| Return on assets (ROA) | 1.4880% | 1,226 |
| Pretax return on assets | 1.4880% | 1,897 |
| Return on Equity (ROE) | 15.1139% | 737 |
| Retained earnings to average equity (ytd only) | 2.5465% | 3,926 |
| Net charge-offs to loans | 0.0282% | 2,291 |
| Credit loss provision to net charge-offs | 221.4286% | 1,129 |
| Earnings coverage of net charge-offs (x) | 67.7143% | 918 |
| Efficiency ratio | 63.9954% | 3,131 |
| Assets per employee ($millions) | 5.8873% | 1,625 |
| Cash dividends to net income (ytd only)* | 83.1516% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2139% | 2,449 |
| Loan loss allowance to noncurrent loans | 2,005.6452% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.8382% | 1,681 |
| Noncurrent loans to loans | 0.0605% | 4,411 |
| Net loans and leases to total assets | 79.9479% | 888 |
| Net loans and leases to deposits | 90.4012% | 1,689 |
| Net loans and leases to core deposits | 92.7808% | 2,340 |
| Total domestic deposits to total assets | 88.4367% | 902 |
| Equity capital to assets | 9.8059% | 4,133 |
| Core capital (leverage) ratio | 9.8208% | 3,800 |
| Tier 1 risk-based capital ratio | 11.3324% | 4,775 |
| Total risk-based capital ratio | 12.4817% | 4,708 |
| Memoranda: | ||
| Average total assets | $246,513,000 | 2,515 |
| Average earning assets | $230,896,000 | 2,496 |
| Average equity | $24,269,000 | 2,782 |
| Average total loans | $198,388,330 | 2,197 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9025% | 1,580 |
| Cost of funding earning assets | 0.6003% | 3,574 |
| Net interest margin | 4.3022% | 1,086 |
| Noninterest income to average assets | -0.4819% | 5,349 |
| Noninterest expense to average assets | 2.6415% | 3,077 |
| Loan and lease loss provision to assets | 0.0411% | 2,807 |
| Net operating income to assets | 0.8668% | 3,372 |
| Return on assets (ROA) | 0.8668% | 3,420 |
| Pretax return on assets | 0.8668% | 3,874 |
| Return on Equity (ROE) | 8.7864% | 2,907 |
| Retained earnings to average equity (ytd only) | -1.4005% | 4,698 |
| Net charge-offs to loans | 0.0553% | 1,497 |
| Credit loss provision to net charge-offs | 92.5926% | 1,694 |
| Earnings coverage of net charge-offs (x) | 20.4444% | 1,556 |
| Efficiency ratio | 74.4208% | 1,693 |
| Assets per employee ($millions) | 6.3037% | 1,351 |
| Cash dividends to net income (ytd only)* | 115.9393% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2460% | 2,346 |
| Loan loss allowance to noncurrent loans | 592.0290% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.8977% | 1,567 |
| Noncurrent loans to loans | 0.2105% | 3,832 |
| Net loans and leases to total assets | 79.0169% | 984 |
| Net loans and leases to deposits | 89.3347% | 1,709 |
| Net loans and leases to core deposits | 91.3872% | 2,358 |
| Total domestic deposits to total assets | 88.4505% | 1,107 |
| Equity capital to assets | 9.8065% | 4,004 |
| Core capital (leverage) ratio | 9.9846% | 3,617 |
| Tier 1 risk-based capital ratio | 11.6027% | 4,687 |
| Total risk-based capital ratio | 12.7818% | 4,617 |
| Memoranda: | ||
| Average total assets | $243,192,000 | 2,563 |
| Average earning assets | $227,884,500 | 2,534 |
| Average equity | $23,991,500 | 2,806 |
| Average total loans | $195,143,000 | 2,248 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6591% | 1,959 |
| Cost of funding earning assets | 0.3112% | 4,512 |
| Net interest margin | 4.3479% | 1,044 |
| Noninterest income to average assets | 0.6847% | 1,911 |
| Noninterest expense to average assets | 2.8606% | 2,480 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.9036% | 441 |
| Return on assets (ROA) | 1.9036% | 435 |
| Pretax return on assets | 1.9036% | 718 |
| Return on Equity (ROE) | 19.1963% | 300 |
| Retained earnings to average equity (ytd only) | 12.7718% | 252 |
| Net charge-offs to loans | 0.0104% | 3,323 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 235.3889% | 396 |
| Efficiency ratio | 60.0434% | 3,854 |
| Assets per employee ($millions) | 6.1676% | 1,406 |
| Cash dividends to net income (ytd only)* | 33.4671% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2672% | 2,211 |
| Loan loss allowance to noncurrent loans | 246.2851% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 1.4343% | 828 |
| Noncurrent loans to loans | 0.5145% | 2,737 |
| Net loans and leases to total assets | 79.4561% | 1,027 |
| Net loans and leases to deposits | 90.2021% | 1,771 |
| Net loans and leases to core deposits | 92.2199% | 2,388 |
| Total domestic deposits to total assets | 88.0867% | 1,259 |
| Equity capital to assets | 9.9253% | 3,745 |
| Core capital (leverage) ratio | 10.2039% | 3,353 |
| Tier 1 risk-based capital ratio | 11.7981% | 4,571 |
| Total risk-based capital ratio | 12.9942% | 4,475 |
| Memoranda: | ||
| Average total assets | $222,573,400 | 2,680 |
| Average earning assets | $208,837,800 | 2,645 |
| Average equity | $22,072,000 | 2,893 |
| Average total loans | $172,633,000 | 2,415 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5024% | 2,293 |
| Cost of funding earning assets | 0.2443% | 4,821 |
| Net interest margin | 4.2581% | 1,217 |
| Noninterest income to average assets | 0.6554% | 2,046 |
| Noninterest expense to average assets | 2.8857% | 2,348 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.7657% | 643 |
| Return on assets (ROA) | 1.7657% | 644 |
| Pretax return on assets | 1.7657% | 1,099 |
| Return on Equity (ROE) | 17.8090% | 446 |
| Retained earnings to average equity (ytd only) | 9.0648% | 1,189 |
| Net charge-offs to loans | 0.0040% | 3,319 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 577.2969% | 154 |
| Efficiency ratio | 62.0400% | 3,505 |
| Assets per employee ($millions) | 6.3574% | 1,257 |
| Cash dividends to net income (ytd only)* | 49.0997% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3443% | 1,901 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1269% | 1,265 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 79.0772% | 1,151 |
| Net loans and leases to deposits | 90.3630% | 1,845 |
| Net loans and leases to core deposits | 91.7265% | 2,506 |
| Total domestic deposits to total assets | 87.5105% | 1,481 |
| Equity capital to assets | 9.7215% | 3,900 |
| Core capital (leverage) ratio | 10.1527% | 3,468 |
| Tier 1 risk-based capital ratio | 11.7462% | 4,632 |
| Total risk-based capital ratio | 12.9966% | 4,531 |
| Memoranda: | ||
| Average total assets | $218,082,250 | 2,725 |
| Average earning assets | $204,656,250 | 2,699 |
| Average equity | $21,621,500 | 2,942 |
| Average total loans | $167,397,500 | 2,474 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3887% | 2,459 |
| Cost of funding earning assets | 0.2144% | 4,952 |
| Net interest margin | 4.1743% | 1,340 |
| Noninterest income to average assets | 0.6080% | 2,280 |
| Noninterest expense to average assets | 2.9139% | 2,315 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5973% | 924 |
| Return on assets (ROA) | 1.5973% | 929 |
| Pretax return on assets | 1.5973% | 1,509 |
| Return on Equity (ROE) | 16.0001% | 674 |
| Retained earnings to average equity (ytd only) | 6.9586% | 2,093 |
| Net charge-offs to loans | 0.0062% | 2,925 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 342.6000% | 267 |
| Efficiency ratio | 64.5928% | 3,233 |
| Assets per employee ($millions) | 5.9839% | 1,477 |
| Cash dividends to net income (ytd only)* | 56.5090% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3993% | 1,745 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1377% | 1,289 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 76.4193% | 1,573 |
| Net loans and leases to deposits | 86.2313% | 2,285 |
| Net loans and leases to core deposits | 87.8629% | 2,728 |
| Total domestic deposits to total assets | 88.6213% | 1,087 |
| Equity capital to assets | 9.4939% | 4,111 |
| Core capital (leverage) ratio | 10.5640% | 2,966 |
| Tier 1 risk-based capital ratio | 11.6546% | 4,715 |
| Total risk-based capital ratio | 12.9053% | 4,590 |
| Memoranda: | ||
| Average total assets | $214,488,000 | 2,775 |
| Average earning assets | $200,559,000 | 2,749 |
| Average equity | $21,412,330 | 2,974 |
| Average total loans | $162,048,000 | 2,530 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2836% | 2,585 |
| Cost of funding earning assets | 0.1983% | 5,028 |
| Net interest margin | 4.0853% | 1,476 |
| Noninterest income to average assets | 0.5095% | 2,750 |
| Noninterest expense to average assets | 2.8206% | 2,633 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5305% | 1,007 |
| Return on assets (ROA) | 1.5305% | 1,013 |
| Pretax return on assets | 1.5305% | 1,594 |
| Return on Equity (ROE) | 14.9312% | 811 |
| Retained earnings to average equity (ytd only) | 10.2417% | 1,090 |
| Net charge-offs to loans | 0.0026% | 2,646 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 796.0000% | 83 |
| Efficiency ratio | 64.8255% | 3,347 |
| Assets per employee ($millions) | 6.3268% | 1,299 |
| Cash dividends to net income (ytd only)* | 31.4070% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6108% | 1,135 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2467% | 1,201 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 72.2595% | 2,124 |
| Net loans and leases to deposits | 80.8249% | 2,717 |
| Net loans and leases to core deposits | 83.2282% | 3,035 |
| Total domestic deposits to total assets | 89.4025% | 922 |
| Equity capital to assets | 10.2771% | 3,307 |
| Core capital (leverage) ratio | 10.9516% | 2,489 |
| Tier 1 risk-based capital ratio | 13.1777% | 3,866 |
| Total risk-based capital ratio | 14.4303% | 3,761 |
| Memoranda: | ||
| Average total assets | $208,037,500 | 2,865 |
| Average earning assets | $195,628,000 | 2,824 |
| Average equity | $21,324,500 | 3,011 |
| Average total loans | $154,954,500 | 2,630 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2819% | 2,390 |
| Cost of funding earning assets | 0.1926% | 5,002 |
| Net interest margin | 4.0893% | 1,480 |
| Noninterest income to average assets | 0.7644% | 1,712 |
| Noninterest expense to average assets | 2.8564% | 2,590 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.7190% | 507 |
| Return on assets (ROA) | 1.7190% | 520 |
| Pretax return on assets | 1.7190% | 964 |
| Return on Equity (ROE) | 17.2367% | 370 |
| Retained earnings to average equity (ytd only) | 7.4413% | 941 |
| Net charge-offs to loans | -0.1157% | 5,410 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4298% | 3,871 |
| Assets per employee ($millions) | 6.0968% | 1,454 |
| Cash dividends to net income (ytd only)* | 56.8284% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5782% | 1,191 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3088% | 1,104 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 74.3408% | 1,866 |
| Net loans and leases to deposits | 83.0626% | 2,597 |
| Net loans and leases to core deposits | 85.6364% | 2,937 |
| Total domestic deposits to total assets | 89.4997% | 776 |
| Equity capital to assets | 10.2234% | 3,468 |
| Core capital (leverage) ratio | 10.5873% | 2,748 |
| Tier 1 risk-based capital ratio | 12.7896% | 4,041 |
| Total risk-based capital ratio | 14.0423% | 3,934 |
| Memoranda: | ||
| Average total assets | $206,169,000 | 2,858 |
| Average earning assets | $192,135,000 | 2,844 |
| Average equity | $20,560,800 | 3,075 |
| Average total loans | $157,292,000 | 2,577 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2466% | 2,445 |
| Cost of funding earning assets | 0.1982% | 4,989 |
| Net interest margin | 4.0484% | 1,552 |
| Noninterest income to average assets | 0.7201% | 1,909 |
| Noninterest expense to average assets | 2.8183% | 2,666 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.6714% | 617 |
| Return on assets (ROA) | 1.6714% | 632 |
| Pretax return on assets | 1.6714% | 1,192 |
| Return on Equity (ROE) | 16.8664% | 444 |
| Retained earnings to average equity (ytd only) | 6.9204% | 1,732 |
| Net charge-offs to loans | -0.2244% | 5,567 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7722% | 3,763 |
| Assets per employee ($millions) | 5.8676% | 1,596 |
| Cash dividends to net income (ytd only)* | 58.9693% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6359% | 1,162 |
| Loan loss allowance to noncurrent loans | 449.6479% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 2.0714% | 610 |
| Noncurrent loans to loans | 0.3638% | 3,648 |
| Net loans and leases to total assets | 74.7763% | 1,791 |
| Net loans and leases to deposits | 83.6985% | 2,595 |
| Net loans and leases to core deposits | 86.6258% | 2,909 |
| Total domestic deposits to total assets | 89.3400% | 729 |
| Equity capital to assets | 10.2544% | 3,631 |
| Core capital (leverage) ratio | 10.3152% | 3,182 |
| Tier 1 risk-based capital ratio | 12.7301% | 4,188 |
| Total risk-based capital ratio | 13.9837% | 4,080 |
| Memoranda: | ||
| Average total assets | $205,888,750 | 2,885 |
| Average earning assets | $191,707,500 | 2,876 |
| Average equity | $20,403,000 | 3,116 |
| Average total loans | $157,472,000 | 2,592 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1633% | 2,616 |
| Cost of funding earning assets | 0.2034% | 4,942 |
| Net interest margin | 3.9598% | 1,741 |
| Noninterest income to average assets | 0.7600% | 1,726 |
| Noninterest expense to average assets | 2.8253% | 2,666 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.6189% | 669 |
| Return on assets (ROA) | 1.6189% | 695 |
| Pretax return on assets | 1.6189% | 1,287 |
| Return on Equity (ROE) | 16.5277% | 455 |
| Retained earnings to average equity (ytd only) | 5.5786% | 2,365 |
| Net charge-offs to loans | -0.3331% | 5,652 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5728% | 3,747 |
| Assets per employee ($millions) | 5.9485% | 1,501 |
| Cash dividends to net income (ytd only)* | 66.2470% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6205% | 1,217 |
| Loan loss allowance to noncurrent loans | 752.8024% | 730 |
| Noncurrent assets plus other real estate owned to assets | 1.9693% | 655 |
| Noncurrent loans to loans | 0.2153% | 4,260 |
| Net loans and leases to total assets | 74.4147% | 1,796 |
| Net loans and leases to deposits | 82.8724% | 2,613 |
| Net loans and leases to core deposits | 85.0180% | 2,971 |
| Total domestic deposits to total assets | 89.7943% | 604 |
| Equity capital to assets | 9.8622% | 4,074 |
| Core capital (leverage) ratio | 10.0825% | 3,427 |
| Tier 1 risk-based capital ratio | 12.3950% | 4,356 |
| Total risk-based capital ratio | 13.6482% | 4,244 |
| Memoranda: | ||
| Average total assets | $206,063,000 | 2,897 |
| Average earning assets | $191,724,670 | 2,889 |
| Average equity | $20,184,330 | 3,140 |
| Average total loans | $157,923,000 | 2,591 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0979% | 2,657 |
| Cost of funding earning assets | 0.2061% | 4,919 |
| Net interest margin | 3.8919% | 1,813 |
| Noninterest income to average assets | 0.6283% | 2,277 |
| Noninterest expense to average assets | 2.8410% | 2,647 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3991% | 1,004 |
| Return on assets (ROA) | 1.3991% | 1,035 |
| Pretax return on assets | 1.3991% | 1,897 |
| Return on Equity (ROE) | 14.3328% | 746 |
| Retained earnings to average equity (ytd only) | 9.3353% | 971 |
| Net charge-offs to loans | -0.0329% | 4,974 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0041% | 3,343 |
| Assets per employee ($millions) | 5.9662% | 1,531 |
| Cash dividends to net income (ytd only)* | 34.8675% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4371% | 1,915 |
| Loan loss allowance to noncurrent loans | 681.0651% | 812 |
| Noncurrent assets plus other real estate owned to assets | 2.0420% | 644 |
| Noncurrent loans to loans | 0.2110% | 4,357 |
| Net loans and leases to total assets | 75.6096% | 1,477 |
| Net loans and leases to deposits | 84.0019% | 2,288 |
| Net loans and leases to core deposits | 85.8099% | 2,736 |
| Total domestic deposits to total assets | 90.0094% | 653 |
| Equity capital to assets | 9.7220% | 4,046 |
| Core capital (leverage) ratio | 10.2153% | 3,225 |
| Tier 1 risk-based capital ratio | 12.0469% | 4,679 |
| Total risk-based capital ratio | 13.2986% | 4,577 |
| Memoranda: | ||
| Average total assets | $204,995,500 | 2,938 |
| Average earning assets | $190,243,500 | 2,932 |
| Average equity | $20,010,000 | 3,174 |
| Average total loans | $158,143,500 | 2,602 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2572% | 2,285 |
| Cost of funding earning assets | 0.2189% | 4,842 |
| Net interest margin | 4.0383% | 1,530 |
| Noninterest income to average assets | 0.8612% | 1,536 |
| Noninterest expense to average assets | 2.9003% | 2,669 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.7000% | 545 |
| Return on assets (ROA) | 1.7444% | 520 |
| Pretax return on assets | 1.7444% | 906 |
| Return on Equity (ROE) | 18.0192% | 326 |
| Retained earnings to average equity (ytd only) | 7.8905% | 888 |
| Net charge-offs to loans | -0.2748% | 5,784 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0454% | 4,095 |
| Assets per employee ($millions) | 5.7479% | 1,662 |
| Cash dividends to net income (ytd only)* | 56.2106% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4664% | 1,807 |
| Loan loss allowance to noncurrent loans | 291.9643% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 2.4233% | 504 |
| Noncurrent loans to loans | 0.5022% | 3,350 |
| Net loans and leases to total assets | 76.4563% | 1,441 |
| Net loans and leases to deposits | 85.0311% | 2,305 |
| Net loans and leases to core deposits | 86.9406% | 2,769 |
| Total domestic deposits to total assets | 89.9157% | 671 |
| Equity capital to assets | 9.8019% | 3,939 |
| Core capital (leverage) ratio | 9.9277% | 3,596 |
| Tier 1 risk-based capital ratio | 12.0961% | 4,662 |
| Total risk-based capital ratio | 13.3479% | 4,539 |
| Memoranda: | ||
| Average total assets | $200,292,600 | 2,952 |
| Average earning assets | $185,448,400 | 2,949 |
| Average equity | $19,390,400 | 3,227 |
| Average total loans | $155,733,200 | 2,569 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2314% | 2,407 |
| Cost of funding earning assets | 0.2167% | 4,908 |
| Net interest margin | 4.0147% | 1,610 |
| Noninterest income to average assets | 0.6937% | 2,197 |
| Noninterest expense to average assets | 2.9315% | 2,539 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.4788% | 916 |
| Return on assets (ROA) | 1.5381% | 857 |
| Pretax return on assets | 1.5381% | 1,577 |
| Return on Equity (ROE) | 15.9375% | 552 |
| Retained earnings to average equity (ytd only) | 6.5463% | 1,880 |
| Net charge-offs to loans | -0.2664% | 5,819 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4702% | 3,506 |
| Assets per employee ($millions) | 5.6229% | 1,741 |
| Cash dividends to net income (ytd only)* | 58.9255% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3475% | 2,448 |
| Loan loss allowance to noncurrent loans | 276.6879% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 2.5002% | 546 |
| Noncurrent loans to loans | 0.4870% | 3,546 |
| Net loans and leases to total assets | 78.5560% | 1,109 |
| Net loans and leases to deposits | 87.4248% | 2,091 |
| Net loans and leases to core deposits | 89.3635% | 2,636 |
| Total domestic deposits to total assets | 89.8555% | 531 |
| Equity capital to assets | 9.7152% | 4,452 |
| Core capital (leverage) ratio | 9.7541% | 3,869 |
| Tier 1 risk-based capital ratio | 11.4147% | 5,148 |
| Total risk-based capital ratio | 12.6653% | 5,041 |
| Memoranda: | ||
| Average total assets | $200,072,000 | 2,965 |
| Average earning assets | $185,213,750 | 2,966 |
| Average equity | $19,308,250 | 3,256 |
| Average total loans | $155,641,500 | 2,573 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2629% | 2,282 |
| Cost of funding earning assets | 0.2206% | 4,931 |
| Net interest margin | 4.0423% | 1,521 |
| Noninterest income to average assets | 0.6403% | 2,417 |
| Noninterest expense to average assets | 2.9094% | 2,645 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4632% | 952 |
| Return on assets (ROA) | 1.5525% | 843 |
| Pretax return on assets | 1.5525% | 1,514 |
| Return on Equity (ROE) | 16.1238% | 524 |
| Retained earnings to average equity (ytd only) | 6.6913% | 1,768 |
| Net charge-offs to loans | -0.3875% | 5,919 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5366% | 3,600 |
| Assets per employee ($millions) | 5.6194% | 1,685 |
| Cash dividends to net income (ytd only)* | 58.5003% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4164% | 2,219 |
| Loan loss allowance to noncurrent loans | 460.3412% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 2.4113% | 593 |
| Noncurrent loans to loans | 0.3077% | 4,265 |
| Net loans and leases to total assets | 74.2788% | 1,788 |
| Net loans and leases to deposits | 82.6437% | 2,633 |
| Net loans and leases to core deposits | 83.6545% | 3,114 |
| Total domestic deposits to total assets | 89.8784% | 535 |
| Equity capital to assets | 9.5947% | 4,676 |
| Core capital (leverage) ratio | 9.7858% | 3,829 |
| Tier 1 risk-based capital ratio | 11.4232% | 5,205 |
| Total risk-based capital ratio | 12.6738% | 5,095 |
| Memoranda: | ||
| Average total assets | $199,287,670 | 2,983 |
| Average earning assets | $184,005,670 | 3,000 |
| Average equity | $19,189,000 | 3,273 |
| Average total loans | $153,792,330 | 2,602 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0929% | 2,869 |
| Cost of funding earning assets | 0.2269% | 4,933 |
| Net interest margin | 3.8660% | 2,052 |
| Noninterest income to average assets | 0.9445% | 1,193 |
| Noninterest expense to average assets | 2.8435% | 2,909 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.6847% | 597 |
| Return on assets (ROA) | 1.6847% | 635 |
| Pretax return on assets | 1.6847% | 1,105 |
| Return on Equity (ROE) | 17.4647% | 397 |
| Retained earnings to average equity (ytd only) | 17.4647% | 138 |
| Net charge-offs to loans | -0.2564% | 5,907 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7959% | 4,327 |
| Assets per employee ($millions) | 5.6861% | 1,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2751% | 3,026 |
| Loan loss allowance to noncurrent loans | 147.5904% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 3.2817% | 364 |
| Noncurrent loans to loans | 0.8640% | 2,684 |
| Net loans and leases to total assets | 76.2513% | 1,354 |
| Net loans and leases to deposits | 84.9988% | 2,194 |
| Net loans and leases to core deposits | 86.0578% | 2,743 |
| Total domestic deposits to total assets | 89.7087% | 729 |
| Equity capital to assets | 9.8345% | 4,295 |
| Core capital (leverage) ratio | 10.0736% | 3,445 |
| Tier 1 risk-based capital ratio | 11.5386% | 5,217 |
| Total risk-based capital ratio | 12.6972% | 5,163 |
| Memoranda: | ||
| Average total assets | $197,781,500 | 3,010 |
| Average earning assets | $183,343,500 | 3,013 |
| Average equity | $19,078,500 | 3,293 |
| Average total loans | $154,476,000 | 2,592 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2829% | 2,272 |
| Cost of funding earning assets | 0.2342% | 4,960 |
| Net interest margin | 4.0486% | 1,564 |
| Noninterest income to average assets | 0.8034% | 1,776 |
| Noninterest expense to average assets | 3.0640% | 2,338 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.4534% | 941 |
| Return on assets (ROA) | 1.5993% | 728 |
| Pretax return on assets | 1.5993% | 1,251 |
| Return on Equity (ROE) | 16.5042% | 508 |
| Retained earnings to average equity (ytd only) | 8.0020% | 914 |
| Net charge-offs to loans | -0.0007% | 4,827 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8269% | 3,597 |
| Assets per employee ($millions) | 5.3122% | 1,995 |
| Cash dividends to net income (ytd only)* | 51.5152% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1988% | 3,497 |
| Loan loss allowance to noncurrent loans | 121.3168% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 3.5085% | 338 |
| Noncurrent loans to loans | 0.9881% | 2,361 |
| Net loans and leases to total assets | 78.0366% | 1,114 |
| Net loans and leases to deposits | 88.0351% | 1,872 |
| Net loans and leases to core deposits | 89.0265% | 2,498 |
| Total domestic deposits to total assets | 88.6426% | 1,313 |
| Equity capital to assets | 9.4556% | 4,602 |
| Core capital (leverage) ratio | 9.8516% | 3,711 |
| Tier 1 risk-based capital ratio | 11.0494% | 5,495 |
| Total risk-based capital ratio | 12.1498% | 5,487 |
| Memoranda: | ||
| Average total assets | $185,704,600 | 3,109 |
| Average earning assets | $170,353,400 | 3,124 |
| Average equity | $17,995,400 | 3,384 |
| Average total loans | $146,313,400 | 2,647 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3027% | 2,220 |
| Cost of funding earning assets | 0.2340% | 5,057 |
| Net interest margin | 4.0687% | 1,497 |
| Noninterest income to average assets | 0.8590% | 1,587 |
| Noninterest expense to average assets | 3.0463% | 2,379 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.5381% | 869 |
| Return on assets (ROA) | 1.7355% | 606 |
| Pretax return on assets | 1.7355% | 1,016 |
| Return on Equity (ROE) | 17.7943% | 415 |
| Retained earnings to average equity (ytd only) | 8.4190% | 1,083 |
| Net charge-offs to loans | 0.0074% | 3,907 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 263.7863% | 267 |
| Efficiency ratio | 66.4495% | 3,811 |
| Assets per employee ($millions) | 5.3581% | 1,899 |
| Cash dividends to net income (ytd only)* | 52.6868% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2233% | 3,525 |
| Loan loss allowance to noncurrent loans | 271.9530% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 3.2693% | 428 |
| Noncurrent loans to loans | 0.4498% | 3,998 |
| Net loans and leases to total assets | 79.7396% | 856 |
| Net loans and leases to deposits | 89.3249% | 1,736 |
| Net loans and leases to core deposits | 90.3542% | 2,428 |
| Total domestic deposits to total assets | 89.2691% | 889 |
| Equity capital to assets | 9.8041% | 4,385 |
| Core capital (leverage) ratio | 9.9564% | 3,701 |
| Tier 1 risk-based capital ratio | 11.1008% | 5,609 |
| Total risk-based capital ratio | 12.2197% | 5,576 |
| Memoranda: | ||
| Average total assets | $182,993,250 | 3,158 |
| Average earning assets | $167,551,000 | 3,182 |
| Average equity | $17,848,000 | 3,428 |
| Average total loans | $144,081,250 | 2,694 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2703% | 2,282 |
| Cost of funding earning assets | 0.2346% | 5,102 |
| Net interest margin | 4.0358% | 1,533 |
| Noninterest income to average assets | 0.8453% | 1,622 |
| Noninterest expense to average assets | 3.1045% | 2,234 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4382% | 1,017 |
| Return on assets (ROA) | 1.7368% | 614 |
| Pretax return on assets | 1.7368% | 1,007 |
| Return on Equity (ROE) | 17.8395% | 421 |
| Retained earnings to average equity (ytd only) | 7.7086% | 1,386 |
| Net charge-offs to loans | 0.0381% | 2,916 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 48.3333% | 980 |
| Efficiency ratio | 68.3406% | 3,626 |
| Assets per employee ($millions) | 5.1787% | 2,061 |
| Cash dividends to net income (ytd only)* | 56.7893% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2531% | 3,488 |
| Loan loss allowance to noncurrent loans | 377.9381% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 3.3042% | 461 |
| Noncurrent loans to loans | 0.3316% | 4,500 |
| Net loans and leases to total assets | 79.6928% | 842 |
| Net loans and leases to deposits | 90.3930% | 1,547 |
| Net loans and leases to core deposits | 91.4847% | 2,198 |
| Total domestic deposits to total assets | 88.1626% | 1,570 |
| Equity capital to assets | 9.8617% | 4,199 |
| Core capital (leverage) ratio | 10.0097% | 3,586 |
| Tier 1 risk-based capital ratio | 11.2082% | 5,614 |
| Total risk-based capital ratio | 12.3541% | 5,590 |
| Memoranda: | ||
| Average total assets | $181,480,000 | 3,200 |
| Average earning assets | $166,263,330 | 3,216 |
| Average equity | $17,668,670 | 3,472 |
| Average total loans | $141,645,000 | 2,730 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2318% | 2,341 |
| Cost of funding earning assets | 0.2453% | 5,074 |
| Net interest margin | 3.9866% | 1,605 |
| Noninterest income to average assets | 0.7401% | 1,964 |
| Noninterest expense to average assets | 3.1323% | 2,177 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2600% | 1,381 |
| Return on assets (ROA) | 1.8569% | 467 |
| Pretax return on assets | 1.8569% | 783 |
| Return on Equity (ROE) | 19.1967% | 308 |
| Retained earnings to average equity (ytd only) | 14.7562% | 307 |
| Net charge-offs to loans | -0.0545% | 5,558 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3139% | 3,282 |
| Assets per employee ($millions) | 4.9956% | 2,365 |
| Cash dividends to net income (ytd only)* | 23.1317% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3399% | 3,187 |
| Loan loss allowance to noncurrent loans | 378.8306% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 3.5787% | 455 |
| Noncurrent loans to loans | 0.3537% | 4,532 |
| Net loans and leases to total assets | 76.9320% | 1,068 |
| Net loans and leases to deposits | 86.3974% | 1,782 |
| Net loans and leases to core deposits | 87.4387% | 2,381 |
| Total domestic deposits to total assets | 89.0443% | 1,235 |
| Equity capital to assets | 9.9510% | 4,205 |
| Core capital (leverage) ratio | 10.0272% | 3,563 |
| Tier 1 risk-based capital ratio | 11.6427% | 5,472 |
| Total risk-based capital ratio | 12.8652% | 5,403 |
| Memoranda: | ||
| Average total assets | $181,592,000 | 3,218 |
| Average earning assets | $166,358,000 | 3,230 |
| Average equity | $17,565,500 | 3,509 |
| Average total loans | $139,327,000 | 2,763 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3320% | 2,489 |
| Cost of funding earning assets | 0.2932% | 4,859 |
| Net interest margin | 4.0388% | 1,780 |
| Noninterest income to average assets | 0.8681% | 1,614 |
| Noninterest expense to average assets | 3.1642% | 2,313 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.3740% | 1,133 |
| Return on assets (ROA) | 1.3785% | 1,162 |
| Pretax return on assets | 1.3785% | 1,964 |
| Return on Equity (ROE) | 14.9640% | 786 |
| Retained earnings to average equity (ytd only) | 8.5430% | 816 |
| Net charge-offs to loans | 0.0131% | 4,632 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 143.4706% | 380 |
| Efficiency ratio | 69.7244% | 3,578 |
| Assets per employee ($millions) | 4.9552% | 2,379 |
| Cash dividends to net income (ytd only)* | 42.9097% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3437% | 3,212 |
| Loan loss allowance to noncurrent loans | 3,720.0000% | 203 |
| Noncurrent assets plus other real estate owned to assets | 3.3080% | 577 |
| Noncurrent loans to loans | 0.0361% | 5,740 |
| Net loans and leases to total assets | 74.4832% | 1,498 |
| Net loans and leases to deposits | 82.7219% | 2,378 |
| Net loans and leases to core deposits | 83.8217% | 2,915 |
| Total domestic deposits to total assets | 90.0405% | 714 |
| Equity capital to assets | 9.4005% | 4,845 |
| Core capital (leverage) ratio | 9.6274% | 4,060 |
| Tier 1 risk-based capital ratio | 11.8067% | 5,488 |
| Total risk-based capital ratio | 13.0568% | 5,397 |
| Memoranda: | ||
| Average total assets | $177,515,000 | 3,236 |
| Average earning assets | $161,311,200 | 3,260 |
| Average equity | $16,352,600 | 3,622 |
| Average total loans | $129,783,600 | 2,874 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3251% | 2,520 |
| Cost of funding earning assets | 0.3017% | 4,874 |
| Net interest margin | 4.0234% | 1,813 |
| Noninterest income to average assets | 0.8595% | 1,661 |
| Noninterest expense to average assets | 3.1163% | 2,421 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3897% | 1,155 |
| Return on assets (ROA) | 1.3950% | 1,182 |
| Pretax return on assets | 1.3950% | 2,032 |
| Return on Equity (ROE) | 15.2240% | 783 |
| Retained earnings to average equity (ytd only) | 6.5458% | 2,072 |
| Net charge-offs to loans | 0.0010% | 4,675 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1,839.5564% | 24 |
| Efficiency ratio | 69.1597% | 3,648 |
| Assets per employee ($millions) | 4.6003% | 2,810 |
| Cash dividends to net income (ytd only)* | 57.0034% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3953% | 3,200 |
| Loan loss allowance to noncurrent loans | 449.8801% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 3.7886% | 542 |
| Noncurrent loans to loans | 0.3102% | 4,979 |
| Net loans and leases to total assets | 75.8369% | 1,245 |
| Net loans and leases to deposits | 84.1636% | 2,127 |
| Net loans and leases to core deposits | 85.3190% | 2,742 |
| Total domestic deposits to total assets | 90.1065% | 681 |
| Equity capital to assets | 9.4072% | 4,910 |
| Core capital (leverage) ratio | 9.3625% | 4,556 |
| Tier 1 risk-based capital ratio | 11.7438% | 5,646 |
| Total risk-based capital ratio | 12.9949% | 5,567 |
| Memoranda: | ||
| Average total assets | $176,058,250 | 3,277 |
| Average earning assets | $159,561,750 | 3,314 |
| Average equity | $16,132,000 | 3,674 |
| Average total loans | $127,624,750 | 2,920 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2577% | 2,748 |
| Cost of funding earning assets | 0.3071% | 4,901 |
| Net interest margin | 3.9506% | 1,965 |
| Noninterest income to average assets | 1.3577% | 653 |
| Noninterest expense to average assets | 3.0735% | 2,586 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.8416% | 449 |
| Return on assets (ROA) | 1.8496% | 457 |
| Pretax return on assets | 1.8496% | 757 |
| Return on Equity (ROE) | 20.3648% | 274 |
| Retained earnings to average equity (ytd only) | 10.8188% | 564 |
| Net charge-offs to loans | 0.1101% | 2,567 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 23.5507% | 1,464 |
| Efficiency ratio | 62.5317% | 4,938 |
| Assets per employee ($millions) | 4.7985% | 2,477 |
| Cash dividends to net income (ytd only)* | 46.8750% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3675% | 3,500 |
| Loan loss allowance to noncurrent loans | 865.0718% | 576 |
| Noncurrent assets plus other real estate owned to assets | 4.0925% | 510 |
| Noncurrent loans to loans | 0.1581% | 5,539 |
| Net loans and leases to total assets | 73.4505% | 1,512 |
| Net loans and leases to deposits | 81.6836% | 2,287 |
| Net loans and leases to core deposits | 82.7886% | 2,885 |
| Total domestic deposits to total assets | 89.9208% | 848 |
| Equity capital to assets | 9.3515% | 4,919 |
| Core capital (leverage) ratio | 9.4264% | 4,438 |
| Tier 1 risk-based capital ratio | 11.8628% | 5,613 |
| Total risk-based capital ratio | 13.1019% | 5,550 |
| Memoranda: | ||
| Average total assets | $176,473,670 | 3,288 |
| Average earning assets | $158,912,670 | 3,337 |
| Average equity | $16,027,670 | 3,688 |
| Average total loans | $125,350,330 | 2,962 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0346% | 3,543 |
| Cost of funding earning assets | 0.3168% | 4,898 |
| Net interest margin | 3.7178% | 2,796 |
| Noninterest income to average assets | 0.5843% | 2,836 |
| Noninterest expense to average assets | 2.8419% | 3,406 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0776% | 1,905 |
| Return on assets (ROA) | 1.0776% | 1,971 |
| Pretax return on assets | 1.0776% | 3,004 |
| Return on Equity (ROE) | 12.0457% | 1,393 |
| Retained earnings to average equity (ytd only) | 12.0457% | 599 |
| Net charge-offs to loans | 0.2297% | 1,402 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 6.7714% | 2,191 |
| Efficiency ratio | 72.5058% | 3,398 |
| Assets per employee ($millions) | 5.2809% | 1,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4838% | 3,210 |
| Loan loss allowance to noncurrent loans | 634.0351% | 771 |
| Noncurrent assets plus other real estate owned to assets | 5.1005% | 392 |
| Noncurrent loans to loans | 0.2340% | 5,401 |
| Net loans and leases to total assets | 66.8215% | 2,427 |
| Net loans and leases to deposits | 74.2489% | 3,031 |
| Net loans and leases to core deposits | 75.2411% | 3,495 |
| Total domestic deposits to total assets | 89.9967% | 1,077 |
| Equity capital to assets | 8.9240% | 5,194 |
| Core capital (leverage) ratio | 9.3850% | 4,447 |
| Tier 1 risk-based capital ratio | 12.3435% | 5,412 |
| Total risk-based capital ratio | 13.5949% | 5,345 |
| Memoranda: | ||
| Average total assets | $175,938,500 | 3,319 |
| Average earning assets | $157,835,500 | 3,378 |
| Average equity | $15,740,000 | 3,744 |
| Average total loans | $121,918,000 | 3,037 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3607% | 2,729 |
| Cost of funding earning assets | 0.4818% | 3,798 |
| Net interest margin | 3.8789% | 2,373 |
| Noninterest income to average assets | 0.8827% | 1,740 |
| Noninterest expense to average assets | 3.0702% | 2,833 |
| Loan and lease loss provision to assets | -0.2890% | 6,670 |
| Net operating income to assets | 1.5128% | 798 |
| Return on assets (ROA) | 1.5412% | 795 |
| Pretax return on assets | 1.5412% | 1,322 |
| Return on Equity (ROE) | 17.6816% | 437 |
| Retained earnings to average equity (ytd only) | 12.3758% | 283 |
| Net charge-offs to loans | 0.1703% | 3,123 |
| Credit loss provision to net charge-offs | -243.9024% | 6,017 |
| Earnings coverage of net charge-offs (x) | 10.3268% | 2,389 |
| Efficiency ratio | 71.4997% | 3,568 |
| Assets per employee ($millions) | 4.6575% | 2,645 |
| Cash dividends to net income (ytd only)* | 30.0075% | 3,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5379% | 3,019 |
| Loan loss allowance to noncurrent loans | 1,432.8244% | 391 |
| Noncurrent assets plus other real estate owned to assets | 5.2482% | 434 |
| Noncurrent loans to loans | 0.1073% | 5,884 |
| Net loans and leases to total assets | 69.7360% | 2,059 |
| Net loans and leases to deposits | 76.9059% | 2,868 |
| Net loans and leases to core deposits | 78.0944% | 3,350 |
| Total domestic deposits to total assets | 90.6770% | 715 |
| Equity capital to assets | 8.9696% | 5,072 |
| Core capital (leverage) ratio | 9.1049% | 4,852 |
| Tier 1 risk-based capital ratio | 12.0441% | 5,589 |
| Total risk-based capital ratio | 13.2964% | 5,525 |
| Memoranda: | ||
| Average total assets | $172,985,000 | 3,370 |
| Average earning assets | $152,131,200 | 3,467 |
| Average equity | $15,077,800 | 3,852 |
| Average total loans | $120,356,800 | 3,029 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3576% | 2,744 |
| Cost of funding earning assets | 0.4933% | 3,842 |
| Net interest margin | 3.8643% | 2,397 |
| Noninterest income to average assets | 0.9564% | 1,590 |
| Noninterest expense to average assets | 3.0401% | 2,855 |
| Loan and lease loss provision to assets | -0.3850% | 6,802 |
| Net operating income to assets | 1.6856% | 636 |
| Return on assets (ROA) | 1.7233% | 633 |
| Pretax return on assets | 1.7233% | 1,050 |
| Return on Equity (ROE) | 19.9154% | 301 |
| Retained earnings to average equity (ytd only) | 19.9154% | 82 |
| Net charge-offs to loans | 0.2246% | 2,463 |
| Credit loss provision to net charge-offs | -247.5248% | 5,935 |
| Earnings coverage of net charge-offs (x) | 8.3613% | 2,633 |
| Efficiency ratio | 70.0373% | 3,754 |
| Assets per employee ($millions) | 4.8177% | 2,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5552% | 3,208 |
| Loan loss allowance to noncurrent loans | 1,413.5338% | 349 |
| Noncurrent assets plus other real estate owned to assets | 6.1210% | 388 |
| Noncurrent loans to loans | 0.1100% | 6,000 |
| Net loans and leases to total assets | 68.6157% | 2,214 |
| Net loans and leases to deposits | 76.2545% | 2,925 |
| Net loans and leases to core deposits | 77.4182% | 3,437 |
| Total domestic deposits to total assets | 89.9825% | 1,009 |
| Equity capital to assets | 9.2356% | 4,889 |
| Core capital (leverage) ratio | 9.4124% | 4,518 |
| Tier 1 risk-based capital ratio | 12.1729% | 5,669 |
| Total risk-based capital ratio | 13.4246% | 5,605 |
| Memoranda: | ||
| Average total assets | $173,149,500 | 3,387 |
| Average earning assets | $151,639,250 | 3,504 |
| Average equity | $14,983,000 | 3,916 |
| Average total loans | $119,933,250 | 3,061 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4023% | 2,555 |
| Cost of funding earning assets | 0.5111% | 3,798 |
| Net interest margin | 3.8912% | 2,238 |
| Noninterest income to average assets | 0.7940% | 2,211 |
| Noninterest expense to average assets | 2.9031% | 3,322 |
| Loan and lease loss provision to assets | -0.5779% | 6,881 |
| Net operating income to assets | 1.8653% | 455 |
| Return on assets (ROA) | 1.9219% | 439 |
| Pretax return on assets | 1.9219% | 715 |
| Return on Equity (ROE) | 22.7217% | 182 |
| Retained earnings to average equity (ytd only) | 22.7217% | 63 |
| Net charge-offs to loans | 0.4431% | 1,477 |
| Credit loss provision to net charge-offs | -188.6792% | 5,722 |
| Earnings coverage of net charge-offs (x) | 4.2038% | 3,188 |
| Efficiency ratio | 69.2774% | 3,964 |
| Assets per employee ($millions) | 4.4975% | 2,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5100% | 3,545 |
| Loan loss allowance to noncurrent loans | 315.4514% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 7.7358% | 280 |
| Noncurrent loans to loans | 0.4787% | 5,068 |
| Net loans and leases to total assets | 69.3428% | 2,010 |
| Net loans and leases to deposits | 76.6422% | 2,775 |
| Net loans and leases to core deposits | 77.6943% | 3,335 |
| Total domestic deposits to total assets | 90.4761% | 772 |
| Equity capital to assets | 8.9927% | 5,228 |
| Core capital (leverage) ratio | 9.0776% | 4,864 |
| Tier 1 risk-based capital ratio | 11.6158% | 6,047 |
| Total risk-based capital ratio | 12.8667% | 5,997 |
| Memoranda: | ||
| Average total assets | $173,053,670 | 3,410 |
| Average earning assets | $151,058,330 | 3,532 |
| Average equity | $14,638,000 | 4,017 |
| Average total loans | $119,616,000 | 3,078 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3960% | 2,537 |
| Cost of funding earning assets | 0.5235% | 3,852 |
| Net interest margin | 3.8725% | 2,208 |
| Noninterest income to average assets | 0.6869% | 2,666 |
| Noninterest expense to average assets | 2.6371% | 4,288 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4311% | 983 |
| Return on assets (ROA) | 1.4311% | 1,061 |
| Pretax return on assets | 1.4311% | 1,768 |
| Return on Equity (ROE) | 17.4602% | 477 |
| Retained earnings to average equity (ytd only) | 17.4602% | 214 |
| Net charge-offs to loans | 0.8821% | 688 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.3688% | 3,058 |
| Efficiency ratio | 64.8221% | 4,859 |
| Assets per employee ($millions) | 4.8172% | 2,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9091% | 2,280 |
| Loan loss allowance to noncurrent loans | 224.0580% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 8.2275% | 296 |
| Noncurrent loans to loans | 0.8521% | 4,414 |
| Net loans and leases to total assets | 68.7062% | 1,890 |
| Net loans and leases to deposits | 75.4537% | 2,713 |
| Net loans and leases to core deposits | 76.3443% | 3,268 |
| Total domestic deposits to total assets | 91.0574% | 503 |
| Equity capital to assets | 8.3832% | 6,117 |
| Core capital (leverage) ratio | 8.4660% | 5,633 |
| Tier 1 risk-based capital ratio | 10.7261% | 6,512 |
| Total risk-based capital ratio | 11.8246% | 6,531 |
| Memoranda: | ||
| Average total assets | $174,127,500 | 3,432 |
| Average earning assets | $152,046,500 | 3,559 |
| Average equity | $14,272,500 | 4,142 |
| Average total loans | $119,260,000 | 3,102 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5866% | 3,055 |
| Cost of funding earning assets | 0.6431% | 3,979 |
| Net interest margin | 3.9435% | 2,631 |
| Noninterest income to average assets | 0.2626% | 5,586 |
| Noninterest expense to average assets | 3.3354% | 2,238 |
| Loan and lease loss provision to assets | 0.1376% | 3,897 |
| Net operating income to assets | 0.1645% | 5,857 |
| Return on assets (ROA) | 0.6209% | 4,401 |
| Pretax return on assets | 0.6209% | 4,925 |
| Return on Equity (ROE) | 8.1266% | 3,028 |
| Retained earnings to average equity (ytd only) | 8.1266% | 1,079 |
| Net charge-offs to loans | 0.9377% | 1,185 |
| Credit loss provision to net charge-offs | 22.5989% | 5,250 |
| Earnings coverage of net charge-offs (x) | 0.4962% | 5,240 |
| Efficiency ratio | 91.6942% | 940 |
| Assets per employee ($millions) | 4.7253% | 2,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2059% | 1,541 |
| Loan loss allowance to noncurrent loans | 201.7188% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 8.5617% | 307 |
| Noncurrent loans to loans | 1.0935% | 4,020 |
| Net loans and leases to total assets | 65.4724% | 2,617 |
| Net loans and leases to deposits | 71.6741% | 3,462 |
| Net loans and leases to core deposits | 72.5118% | 3,980 |
| Total domestic deposits to total assets | 91.3474% | 385 |
| Equity capital to assets | 8.0115% | 6,401 |
| Core capital (leverage) ratio | 8.0350% | 6,163 |
| Tier 1 risk-based capital ratio | 10.6536% | 6,498 |
| Total risk-based capital ratio | 11.9121% | 6,454 |
| Memoranda: | ||
| Average total assets | $174,430,000 | 3,382 |
| Average earning assets | $149,283,000 | 3,572 |
| Average equity | $13,326,600 | 4,291 |
| Average total loans | $113,258,200 | 3,222 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5973% | 3,212 |
| Cost of funding earning assets | 0.6611% | 4,093 |
| Net interest margin | 3.9362% | 2,775 |
| Noninterest income to average assets | 0.0772% | 6,702 |
| Noninterest expense to average assets | 3.3010% | 2,276 |
| Loan and lease loss provision to assets | 0.1836% | 3,293 |
| Net operating income to assets | -0.0467% | 6,334 |
| Return on assets (ROA) | 0.4405% | 5,315 |
| Pretax return on assets | 0.4405% | 5,620 |
| Return on Equity (ROE) | 5.8373% | 4,413 |
| Retained earnings to average equity (ytd only) | 5.8373% | 2,801 |
| Net charge-offs to loans | 1.4151% | 633 |
| Credit loss provision to net charge-offs | 20.1342% | 4,953 |
| Earnings coverage of net charge-offs (x) | 0.1502% | 5,259 |
| Efficiency ratio | 96.0178% | 676 |
| Assets per employee ($millions) | 4.6968% | 2,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2062% | 1,692 |
| Loan loss allowance to noncurrent loans | 178.0683% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 9.2150% | 291 |
| Noncurrent loans to loans | 1.2390% | 3,978 |
| Net loans and leases to total assets | 62.5433% | 3,292 |
| Net loans and leases to deposits | 68.2964% | 4,136 |
| Net loans and leases to core deposits | 69.1996% | 4,590 |
| Total domestic deposits to total assets | 91.5762% | 275 |
| Equity capital to assets | 7.7856% | 6,682 |
| Core capital (leverage) ratio | 7.7285% | 6,509 |
| Tier 1 risk-based capital ratio | 10.6265% | 6,623 |
| Total risk-based capital ratio | 11.8849% | 6,608 |
| Memoranda: | ||
| Average total assets | $174,328,250 | 3,422 |
| Average earning assets | $148,835,750 | 3,611 |
| Average equity | $13,156,500 | 4,367 |
| Average total loans | $112,309,750 | 3,275 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5989% | 3,366 |
| Cost of funding earning assets | 0.6801% | 4,181 |
| Net interest margin | 3.9188% | 2,831 |
| Noninterest income to average assets | -0.1100% | 7,100 |
| Noninterest expense to average assets | 3.2961% | 2,314 |
| Loan and lease loss provision to assets | 0.2178% | 2,896 |
| Net operating income to assets | -0.2888% | 6,610 |
| Return on assets (ROA) | 0.1387% | 6,234 |
| Pretax return on assets | 0.1387% | 6,241 |
| Return on Equity (ROE) | 1.8570% | 6,088 |
| Retained earnings to average equity (ytd only) | 1.8570% | 5,271 |
| Net charge-offs to loans | 0.0586% | 4,602 |
| Credit loss provision to net charge-offs | 575.7576% | 539 |
| Earnings coverage of net charge-offs (x) | -1.8788% | 5,377 |
| Efficiency ratio | 102.2033% | 492 |
| Assets per employee ($millions) | 4.7824% | 2,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1758% | 661 |
| Loan loss allowance to noncurrent loans | 89.2034% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 10.9284% | 215 |
| Noncurrent loans to loans | 3.5602% | 1,611 |
| Net loans and leases to total assets | 63.0601% | 3,219 |
| Net loans and leases to deposits | 68.7688% | 4,079 |
| Net loans and leases to core deposits | 69.6847% | 4,566 |
| Total domestic deposits to total assets | 91.6987% | 278 |
| Equity capital to assets | 7.6699% | 6,726 |
| Core capital (leverage) ratio | 7.5250% | 6,615 |
| Tier 1 risk-based capital ratio | 10.3651% | 6,737 |
| Total risk-based capital ratio | 11.6347% | 6,718 |
| Memoranda: | ||
| Average total assets | $174,510,330 | 3,441 |
| Average earning assets | $148,513,000 | 3,632 |
| Average equity | $13,032,000 | 4,388 |
| Average total loans | $112,699,330 | 3,275 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5942% | 3,532 |
| Cost of funding earning assets | 0.7082% | 4,208 |
| Net interest margin | 3.8859% | 2,983 |
| Noninterest income to average assets | -0.0205% | 7,121 |
| Noninterest expense to average assets | 3.0714% | 3,012 |
| Loan and lease loss provision to assets | 0.2277% | 2,671 |
| Net operating income to assets | -0.0091% | 6,431 |
| Return on assets (ROA) | 0.0046% | 6,516 |
| Pretax return on assets | 0.0046% | 6,520 |
| Return on Equity (ROE) | 0.0618% | 6,516 |
| Retained earnings to average equity (ytd only) | 0.0618% | 5,959 |
| Net charge-offs to loans | 0.0531% | 3,970 |
| Credit loss provision to net charge-offs | 666.6667% | 518 |
| Earnings coverage of net charge-offs (x) | 6.4000% | 2,218 |
| Efficiency ratio | 93.3564% | 858 |
| Assets per employee ($millions) | 5.1413% | 2,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1393% | 722 |
| Loan loss allowance to noncurrent loans | 97.8956% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 11.4111% | 230 |
| Noncurrent loans to loans | 3.2068% | 2,004 |
| Net loans and leases to total assets | 61.5836% | 3,341 |
| Net loans and leases to deposits | 66.8559% | 4,250 |
| Net loans and leases to core deposits | 68.1575% | 4,661 |
| Total domestic deposits to total assets | 92.1140% | 238 |
| Equity capital to assets | 7.3683% | 6,829 |
| Core capital (leverage) ratio | 7.4506% | 6,663 |
| Tier 1 risk-based capital ratio | 10.2335% | 6,816 |
| Total risk-based capital ratio | 11.5025% | 6,811 |
| Memoranda: | ||
| Average total assets | $175,682,500 | 3,443 |
| Average earning assets | $149,668,000 | 3,625 |
| Average equity | $12,945,500 | 4,414 |
| Average total loans | $112,984,500 | 3,299 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8325% | 3,658 |
| Cost of funding earning assets | 1.0939% | 2,711 |
| Net interest margin | 3.7387% | 4,122 |
| Noninterest income to average assets | 0.6923% | 2,646 |
| Noninterest expense to average assets | 3.3566% | 2,351 |
| Loan and lease loss provision to assets | 0.9844% | 968 |
| Net operating income to assets | -0.4933% | 6,483 |
| Return on assets (ROA) | -0.3028% | 6,398 |
| Pretax return on assets | -0.3028% | 6,354 |
| Return on Equity (ROE) | -4.1575% | 6,480 |
| Retained earnings to average equity (ytd only) | -4.1575% | 6,382 |
| Net charge-offs to loans | 2.4859% | 472 |
| Credit loss provision to net charge-offs | 60.4378% | 5,161 |
| Earnings coverage of net charge-offs (x) | 0.3015% | 5,600 |
| Efficiency ratio | 86.3228% | 1,518 |
| Assets per employee ($millions) | 5.0446% | 2,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9644% | 841 |
| Loan loss allowance to noncurrent loans | 143.4471% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 10.2893% | 313 |
| Noncurrent loans to loans | 2.0665% | 3,117 |
| Net loans and leases to total assets | 63.1087% | 3,380 |
| Net loans and leases to deposits | 68.4759% | 4,370 |
| Net loans and leases to core deposits | 69.7944% | 4,803 |
| Total domestic deposits to total assets | 92.1620% | 218 |
| Equity capital to assets | 7.3691% | 6,863 |
| Core capital (leverage) ratio | 7.1414% | 6,815 |
| Tier 1 risk-based capital ratio | 9.9797% | 6,865 |
| Total risk-based capital ratio | 11.2467% | 6,853 |
| Memoranda: | ||
| Average total assets | $187,930,000 | 3,213 |
| Average earning assets | $158,612,800 | 3,431 |
| Average equity | $13,686,000 | 4,194 |
| Average total loans | $123,136,000 | 3,117 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8537% | 3,764 |
| Cost of funding earning assets | 1.1735% | 2,491 |
| Net interest margin | 3.6802% | 4,428 |
| Noninterest income to average assets | 0.7038% | 2,581 |
| Noninterest expense to average assets | 2.8955% | 3,948 |
| Loan and lease loss provision to assets | 0.8128% | 1,140 |
| Net operating income to assets | 0.0902% | 5,988 |
| Return on assets (ROA) | 0.3404% | 5,425 |
| Pretax return on assets | 0.3404% | 5,624 |
| Return on Equity (ROE) | 4.6866% | 4,672 |
| Retained earnings to average equity (ytd only) | 4.6866% | 3,391 |
| Net charge-offs to loans | 1.8091% | 735 |
| Credit loss provision to net charge-offs | 68.4520% | 4,532 |
| Earnings coverage of net charge-offs (x) | 0.7604% | 5,044 |
| Efficiency ratio | 75.0138% | 2,999 |
| Assets per employee ($millions) | 5.0756% | 2,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3796% | 620 |
| Loan loss allowance to noncurrent loans | 41.4406% | 5,544 |
| Noncurrent assets plus other real estate owned to assets | 14.4166% | 146 |
| Noncurrent loans to loans | 8.1554% | 534 |
| Net loans and leases to total assets | 63.8211% | 3,347 |
| Net loans and leases to deposits | 69.5937% | 4,364 |
| Net loans and leases to core deposits | 71.2155% | 4,815 |
| Total domestic deposits to total assets | 91.7053% | 260 |
| Equity capital to assets | 7.6697% | 6,859 |
| Core capital (leverage) ratio | 7.4235% | 6,804 |
| Tier 1 risk-based capital ratio | 10.4019% | 6,821 |
| Total risk-based capital ratio | 11.6741% | 6,791 |
| Memoranda: | ||
| Average total assets | $190,772,000 | 3,192 |
| Average earning assets | $160,421,750 | 3,419 |
| Average equity | $13,854,750 | 4,153 |
| Average total loans | $125,212,500 | 3,094 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8267% | 3,970 |
| Cost of funding earning assets | 1.2287% | 2,391 |
| Net interest margin | 3.5981% | 4,727 |
| Noninterest income to average assets | 0.7650% | 2,180 |
| Noninterest expense to average assets | 2.9361% | 3,877 |
| Loan and lease loss provision to assets | 0.5769% | 1,680 |
| Net operating income to assets | 0.2977% | 5,381 |
| Return on assets (ROA) | 0.4725% | 4,771 |
| Pretax return on assets | 0.4725% | 5,166 |
| Return on Equity (ROE) | 6.6224% | 3,634 |
| Retained earnings to average equity (ytd only) | 6.6224% | 2,069 |
| Net charge-offs to loans | 1.2989% | 1,186 |
| Credit loss provision to net charge-offs | 67.8007% | 4,120 |
| Earnings coverage of net charge-offs (x) | 1.0279% | 4,522 |
| Efficiency ratio | 75.5833% | 3,091 |
| Assets per employee ($millions) | 5.3853% | 1,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5084% | 593 |
| Loan loss allowance to noncurrent loans | 58.2797% | 4,552 |
| Noncurrent assets plus other real estate owned to assets | 12.2349% | 249 |
| Noncurrent loans to loans | 6.0200% | 989 |
| Net loans and leases to total assets | 63.4730% | 3,583 |
| Net loans and leases to deposits | 69.0745% | 4,556 |
| Net loans and leases to core deposits | 70.6277% | 5,002 |
| Total domestic deposits to total assets | 91.8906% | 258 |
| Equity capital to assets | 7.4998% | 6,944 |
| Core capital (leverage) ratio | 7.1791% | 6,932 |
| Tier 1 risk-based capital ratio | 10.0898% | 6,950 |
| Total risk-based capital ratio | 11.3631% | 6,933 |
| Memoranda: | ||
| Average total assets | $193,456,000 | 3,178 |
| Average earning assets | $163,754,670 | 3,374 |
| Average equity | $13,801,670 | 4,157 |
| Average total loans | $126,719,000 | 3,094 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6431% | 4,772 |
| Cost of funding earning assets | 1.2656% | 2,389 |
| Net interest margin | 3.3774% | 5,515 |
| Noninterest income to average assets | 0.6635% | 2,767 |
| Noninterest expense to average assets | 2.8498% | 4,266 |
| Loan and lease loss provision to assets | 0.0980% | 4,778 |
| Net operating income to assets | 0.6083% | 3,992 |
| Return on assets (ROA) | 0.6430% | 3,861 |
| Pretax return on assets | 0.6430% | 4,521 |
| Return on Equity (ROE) | 9.2413% | 2,369 |
| Retained earnings to average equity (ytd only) | 9.2413% | 1,307 |
| Net charge-offs to loans | 0.3029% | 2,831 |
| Credit loss provision to net charge-offs | 49.4845% | 3,763 |
| Earnings coverage of net charge-offs (x) | 3.5670% | 2,704 |
| Efficiency ratio | 78.5878% | 2,753 |
| Assets per employee ($millions) | 5.1435% | 1,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6459% | 543 |
| Loan loss allowance to noncurrent loans | 54.1701% | 4,759 |
| Noncurrent assets plus other real estate owned to assets | 13.3075% | 200 |
| Noncurrent loans to loans | 6.7304% | 858 |
| Net loans and leases to total assets | 61.7393% | 3,912 |
| Net loans and leases to deposits | 66.8665% | 4,849 |
| Net loans and leases to core deposits | 68.3083% | 5,253 |
| Total domestic deposits to total assets | 92.3322% | 206 |
| Equity capital to assets | 7.0569% | 7,070 |
| Core capital (leverage) ratio | 7.0025% | 7,006 |
| Tier 1 risk-based capital ratio | 9.7661% | 7,069 |
| Total risk-based capital ratio | 11.0406% | 7,070 |
| Memoranda: | ||
| Average total assets | $195,941,500 | 3,167 |
| Average earning assets | $167,820,000 | 3,333 |
| Average equity | $13,634,500 | 4,183 |
| Average total loans | $128,085,000 | 3,105 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6833% | 5,853 |
| Cost of funding earning assets | 1.6099% | 2,009 |
| Net interest margin | 3.0734% | 6,589 |
| Noninterest income to average assets | 0.4183% | 4,757 |
| Noninterest expense to average assets | 3.0982% | 3,464 |
| Loan and lease loss provision to assets | 2.8161% | 362 |
| Net operating income to assets | -2.8509% | 7,262 |
| Return on assets (ROA) | -2.4382% | 7,176 |
| Pretax return on assets | -2.4382% | 7,145 |
| Return on Equity (ROE) | -34.3544% | 7,287 |
| Retained earnings to average equity (ytd only) | -34.3544% | 7,276 |
| Net charge-offs to loans | 3.4056% | 429 |
| Credit loss provision to net charge-offs | 120.1923% | 3,515 |
| Earnings coverage of net charge-offs (x) | -0.0149% | 6,143 |
| Efficiency ratio | 99.3314% | 804 |
| Assets per employee ($millions) | 5.1692% | 1,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5247% | 591 |
| Loan loss allowance to noncurrent loans | 40.8914% | 5,576 |
| Noncurrent assets plus other real estate owned to assets | 13.3947% | 209 |
| Noncurrent loans to loans | 8.6197% | 564 |
| Net loans and leases to total assets | 64.3067% | 3,803 |
| Net loans and leases to deposits | 69.5375% | 4,872 |
| Net loans and leases to core deposits | 70.9244% | 5,342 |
| Total domestic deposits to total assets | 92.4777% | 188 |
| Equity capital to assets | 6.8605% | 7,153 |
| Core capital (leverage) ratio | 6.9150% | 7,064 |
| Tier 1 risk-based capital ratio | 9.3774% | 7,169 |
| Total risk-based capital ratio | 10.6520% | 7,165 |
| Memoranda: | ||
| Average total assets | $195,307,800 | 3,159 |
| Average earning assets | $168,085,600 | 3,313 |
| Average equity | $13,861,400 | 4,170 |
| Average total loans | $134,367,000 | 3,046 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7695% | 5,787 |
| Cost of funding earning assets | 1.6805% | 1,963 |
| Net interest margin | 3.0890% | 6,638 |
| Noninterest income to average assets | 0.4068% | 4,901 |
| Noninterest expense to average assets | 3.2220% | 2,850 |
| Loan and lease loss provision to assets | 3.5857% | 196 |
| Net operating income to assets | -3.7382% | 7,547 |
| Return on assets (ROA) | -3.1872% | 7,491 |
| Pretax return on assets | -3.1872% | 7,458 |
| Return on Equity (ROE) | -44.5333% | 7,524 |
| Retained earnings to average equity (ytd only) | -44.5333% | 7,521 |
| Net charge-offs to loans | 4.1608% | 284 |
| Credit loss provision to net charge-offs | 124.2891% | 3,297 |
| Earnings coverage of net charge-offs (x) | -0.0528% | 6,071 |
| Efficiency ratio | 103.1626% | 650 |
| Assets per employee ($millions) | 4.9241% | 2,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7041% | 468 |
| Loan loss allowance to noncurrent loans | 46.4082% | 5,192 |
| Noncurrent assets plus other real estate owned to assets | 13.9373% | 194 |
| Noncurrent loans to loans | 7.9815% | 652 |
| Net loans and leases to total assets | 63.8431% | 4,153 |
| Net loans and leases to deposits | 69.4013% | 5,227 |
| Net loans and leases to core deposits | 70.7955% | 5,670 |
| Total domestic deposits to total assets | 91.9912% | 194 |
| Equity capital to assets | 7.0746% | 7,317 |
| Core capital (leverage) ratio | 6.8674% | 7,225 |
| Tier 1 risk-based capital ratio | 9.4392% | 7,266 |
| Total risk-based capital ratio | 10.7146% | 7,261 |
| Memoranda: | ||
| Average total assets | $195,027,500 | 3,205 |
| Average earning assets | $168,120,500 | 3,357 |
| Average equity | $13,957,750 | 4,212 |
| Average total loans | $135,225,750 | 3,072 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7907% | 5,828 |
| Cost of funding earning assets | 1.7217% | 2,005 |
| Net interest margin | 3.0690% | 6,680 |
| Noninterest income to average assets | 0.4469% | 4,551 |
| Noninterest expense to average assets | 3.2690% | 2,660 |
| Loan and lease loss provision to assets | 3.8669% | 204 |
| Net operating income to assets | -4.0464% | 7,629 |
| Return on assets (ROA) | -3.4057% | 7,571 |
| Pretax return on assets | -3.4057% | 7,531 |
| Return on Equity (ROE) | -47.4091% | 7,594 |
| Retained earnings to average equity (ytd only) | -47.4091% | 7,590 |
| Net charge-offs to loans | 4.8948% | 214 |
| Credit loss provision to net charge-offs | 112.3296% | 3,619 |
| Earnings coverage of net charge-offs (x) | -0.0522% | 5,761 |
| Efficiency ratio | 104.0291% | 682 |
| Assets per employee ($millions) | 4.9153% | 2,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1512% | 734 |
| Loan loss allowance to noncurrent loans | 27.1771% | 6,537 |
| Noncurrent assets plus other real estate owned to assets | 16.2830% | 110 |
| Noncurrent loans to loans | 11.5952% | 316 |
| Net loans and leases to total assets | 64.1997% | 4,220 |
| Net loans and leases to deposits | 70.1933% | 5,246 |
| Net loans and leases to core deposits | 71.6777% | 5,709 |
| Total domestic deposits to total assets | 91.4613% | 340 |
| Equity capital to assets | 7.6364% | 7,031 |
| Core capital (leverage) ratio | 7.3823% | 6,932 |
| Tier 1 risk-based capital ratio | 9.9675% | 7,041 |
| Total risk-based capital ratio | 11.2365% | 7,012 |
| Memoranda: | ||
| Average total assets | $196,024,000 | 3,216 |
| Average earning assets | $168,786,000 | 3,366 |
| Average equity | $14,081,670 | 4,184 |
| Average total loans | $137,861,330 | 3,054 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1831% | 4,119 |
| Cost of funding earning assets | 1.7490% | 2,130 |
| Net interest margin | 3.4342% | 5,451 |
| Noninterest income to average assets | 0.3106% | 5,664 |
| Noninterest expense to average assets | 3.4210% | 2,179 |
| Loan and lease loss provision to assets | 1.3079% | 920 |
| Net operating income to assets | -1.4448% | 7,310 |
| Return on assets (ROA) | -1.4448% | 7,322 |
| Pretax return on assets | -1.4448% | 7,241 |
| Return on Equity (ROE) | -20.7704% | 7,455 |
| Retained earnings to average equity (ytd only) | -20.7704% | 7,397 |
| Net charge-offs to loans | 0.6072% | 2,300 |
| Credit loss provision to net charge-offs | 297.6744% | 1,333 |
| Earnings coverage of net charge-offs (x) | -0.3116% | 5,213 |
| Efficiency ratio | 102.4891% | 771 |
| Assets per employee ($millions) | 4.9676% | 2,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9494% | 856 |
| Loan loss allowance to noncurrent loans | 31.5499% | 6,314 |
| Noncurrent assets plus other real estate owned to assets | 14.4567% | 149 |
| Noncurrent loans to loans | 9.3482% | 489 |
| Net loans and leases to total assets | 68.1617% | 3,351 |
| Net loans and leases to deposits | 73.5643% | 4,814 |
| Net loans and leases to core deposits | 75.0830% | 5,378 |
| Total domestic deposits to total assets | 92.6559% | 148 |
| Equity capital to assets | 6.6687% | 7,490 |
| Core capital (leverage) ratio | 6.6983% | 7,391 |
| Tier 1 risk-based capital ratio | 8.3828% | 7,568 |
| Total risk-based capital ratio | 9.6505% | 7,583 |
| Memoranda: | ||
| Average total assets | $195,731,000 | 3,278 |
| Average earning assets | $169,472,500 | 3,408 |
| Average equity | $13,615,500 | 4,326 |
| Average total loans | $141,627,000 | 3,046 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1850% | 5,723 |
| Cost of funding earning assets | 2.2314% | 1,896 |
| Net interest margin | 2.9536% | 6,744 |
| Noninterest income to average assets | 0.5593% | 3,952 |
| Noninterest expense to average assets | 3.1084% | 3,700 |
| Loan and lease loss provision to assets | 1.1725% | 1,961 |
| Net operating income to assets | -1.1059% | 6,647 |
| Return on assets (ROA) | -0.9530% | 6,544 |
| Pretax return on assets | -0.9530% | 6,380 |
| Return on Equity (ROE) | -12.5433% | 6,802 |
| Retained earnings to average equity (ytd only) | -12.5433% | 6,723 |
| Net charge-offs to loans | 1.5202% | 1,648 |
| Credit loss provision to net charge-offs | 101.8985% | 5,421 |
| Earnings coverage of net charge-offs (x) | 0.0578% | 6,115 |
| Efficiency ratio | 96.1760% | 1,307 |
| Assets per employee ($millions) | 4.1904% | 3,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5686% | 1,151 |
| Loan loss allowance to noncurrent loans | 26.5291% | 6,708 |
| Noncurrent assets plus other real estate owned to assets | 14.1338% | 165 |
| Noncurrent loans to loans | 9.6821% | 441 |
| Net loans and leases to total assets | 72.6336% | 2,596 |
| Net loans and leases to deposits | 78.9840% | 4,172 |
| Net loans and leases to core deposits | 90.7963% | 5,045 |
| Total domestic deposits to total assets | 91.9599% | 272 |
| Equity capital to assets | 7.2526% | 7,236 |
| Core capital (leverage) ratio | 7.1572% | 7,105 |
| Tier 1 risk-based capital ratio | 8.7323% | 7,555 |
| Total risk-based capital ratio | 9.9960% | 7,585 |
| Memoranda: | ||
| Average total assets | $196,852,200 | 3,216 |
| Average earning assets | $174,331,400 | 3,288 |
| Average equity | $14,956,200 | 4,065 |
| Average total loans | $148,989,000 | 2,930 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1173% | 6,209 |
| Cost of funding earning assets | 2.3523% | 1,798 |
| Net interest margin | 2.7650% | 7,105 |
| Noninterest income to average assets | 0.5364% | 4,180 |
| Noninterest expense to average assets | 3.1258% | 3,554 |
| Loan and lease loss provision to assets | 1.1515% | 1,686 |
| Net operating income to assets | -1.2856% | 7,007 |
| Return on assets (ROA) | -1.0828% | 6,894 |
| Pretax return on assets | -1.0828% | 6,743 |
| Return on Equity (ROE) | -14.0959% | 7,139 |
| Retained earnings to average equity (ytd only) | -14.0959% | 7,080 |
| Net charge-offs to loans | 1.6135% | 1,264 |
| Credit loss provision to net charge-offs | 93.9527% | 5,376 |
| Earnings coverage of net charge-offs (x) | -0.1094% | 6,196 |
| Efficiency ratio | 102.6577% | 959 |
| Assets per employee ($millions) | 4.0103% | 3,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3698% | 1,204 |
| Loan loss allowance to noncurrent loans | 23.2228% | 6,895 |
| Noncurrent assets plus other real estate owned to assets | 13.7827% | 155 |
| Noncurrent loans to loans | 10.2045% | 382 |
| Net loans and leases to total assets | 75.7209% | 2,058 |
| Net loans and leases to deposits | 83.8254% | 3,679 |
| Net loans and leases to core deposits | 96.2245% | 4,786 |
| Total domestic deposits to total assets | 90.3317% | 651 |
| Equity capital to assets | 7.4464% | 7,338 |
| Core capital (leverage) ratio | 7.1933% | 7,272 |
| Tier 1 risk-based capital ratio | 8.7438% | 7,703 |
| Total risk-based capital ratio | 10.0054% | 7,732 |
| Memoranda: | ||
| Average total assets | $197,875,750 | 3,222 |
| Average earning assets | $175,713,250 | 3,302 |
| Average equity | $15,200,250 | 4,060 |
| Average total loans | $150,311,750 | 2,945 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0845% | 6,493 |
| Cost of funding earning assets | 2.4363% | 1,824 |
| Net interest margin | 2.6482% | 7,299 |
| Noninterest income to average assets | 0.5279% | 4,208 |
| Noninterest expense to average assets | 2.9459% | 4,309 |
| Loan and lease loss provision to assets | 0.9075% | 1,862 |
| Net operating income to assets | -0.9716% | 6,959 |
| Return on assets (ROA) | -0.8584% | 6,880 |
| Pretax return on assets | -0.8584% | 6,719 |
| Return on Equity (ROE) | -11.0659% | 7,113 |
| Retained earnings to average equity (ytd only) | -11.0659% | 6,974 |
| Net charge-offs to loans | 0.5762% | 2,599 |
| Credit loss provision to net charge-offs | 208.7558% | 2,195 |
| Earnings coverage of net charge-offs (x) | -0.1475% | 5,837 |
| Efficiency ratio | 100.3476% | 1,158 |
| Assets per employee ($millions) | 4.3791% | 2,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7890% | 688 |
| Loan loss allowance to noncurrent loans | 28.5655% | 6,591 |
| Noncurrent assets plus other real estate owned to assets | 12.8352% | 150 |
| Noncurrent loans to loans | 9.7636% | 369 |
| Net loans and leases to total assets | 72.8722% | 2,988 |
| Net loans and leases to deposits | 80.8825% | 4,409 |
| Net loans and leases to core deposits | 93.7197% | 5,147 |
| Total domestic deposits to total assets | 90.0964% | 788 |
| Equity capital to assets | 7.6073% | 7,171 |
| Core capital (leverage) ratio | 7.4175% | 7,116 |
| Tier 1 risk-based capital ratio | 9.1690% | 7,606 |
| Total risk-based capital ratio | 10.4352% | 7,602 |
| Memoranda: | ||
| Average total assets | $199,669,330 | 3,231 |
| Average earning assets | $177,480,330 | 3,293 |
| Average equity | $15,489,000 | 4,018 |
| Average total loans | $150,650,000 | 2,974 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0343% | 6,847 |
| Cost of funding earning assets | 2.4916% | 1,948 |
| Net interest margin | 2.5428% | 7,453 |
| Noninterest income to average assets | 0.4936% | 4,378 |
| Noninterest expense to average assets | 2.8063% | 4,534 |
| Loan and lease loss provision to assets | 0.9573% | 1,358 |
| Net operating income to assets | -0.9971% | 7,254 |
| Return on assets (ROA) | -0.7722% | 7,143 |
| Pretax return on assets | -0.7722% | 7,016 |
| Return on Equity (ROE) | -9.8615% | 7,355 |
| Retained earnings to average equity (ytd only) | -9.8615% | 7,095 |
| Net charge-offs to loans | 0.1814% | 3,552 |
| Credit loss provision to net charge-offs | 697.1014% | 851 |
| Earnings coverage of net charge-offs (x) | -0.2899% | 5,179 |
| Efficiency ratio | 99.4964% | 1,154 |
| Assets per employee ($millions) | 4.5188% | 2,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7046% | 625 |
| Loan loss allowance to noncurrent loans | 31.1087% | 6,473 |
| Noncurrent assets plus other real estate owned to assets | 11.5271% | 160 |
| Noncurrent loans to loans | 8.6939% | 383 |
| Net loans and leases to total assets | 71.8265% | 3,282 |
| Net loans and leases to deposits | 80.6054% | 4,521 |
| Net loans and leases to core deposits | 93.9316% | 5,158 |
| Total domestic deposits to total assets | 89.1088% | 1,188 |
| Equity capital to assets | 7.6146% | 7,250 |
| Core capital (leverage) ratio | 7.5921% | 7,040 |
| Tier 1 risk-based capital ratio | 9.2584% | 7,619 |
| Total risk-based capital ratio | 10.5236% | 7,585 |
| Memoranda: | ||
| Average total assets | $200,974,000 | 3,229 |
| Average earning assets | $179,646,500 | 3,281 |
| Average equity | $15,738,000 | 3,995 |
| Average total loans | $152,114,000 | 2,970 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9839% | 5,623 |
| Cost of funding earning assets | 2.8013% | 2,705 |
| Net interest margin | 3.1827% | 6,417 |
| Noninterest income to average assets | 0.5823% | 3,988 |
| Noninterest expense to average assets | 2.9841% | 4,140 |
| Loan and lease loss provision to assets | 0.9072% | 1,648 |
| Net operating income to assets | -0.3647% | 6,788 |
| Return on assets (ROA) | -0.2761% | 6,563 |
| Pretax return on assets | -0.2761% | 6,440 |
| Return on Equity (ROE) | -3.5178% | 6,690 |
| Retained earnings to average equity (ytd only) | -6.4482% | 6,715 |
| Net charge-offs to loans | 0.3349% | 3,164 |
| Credit loss provision to net charge-offs | 340.0000% | 1,334 |
| Earnings coverage of net charge-offs (x) | 2.0330% | 5,057 |
| Efficiency ratio | 83.0322% | 2,176 |
| Assets per employee ($millions) | 3.8941% | 3,749 |
| Cash dividends to net income (ytd only)* | -83.3021% | 8,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3671% | 785 |
| Loan loss allowance to noncurrent loans | 33.0944% | 6,515 |
| Noncurrent assets plus other real estate owned to assets | 10.0563% | 156 |
| Noncurrent loans to loans | 7.1526% | 416 |
| Net loans and leases to total assets | 75.7615% | 2,688 |
| Net loans and leases to deposits | 85.4423% | 4,187 |
| Net loans and leases to core deposits | 98.8367% | 4,942 |
| Total domestic deposits to total assets | 88.6697% | 1,171 |
| Equity capital to assets | 8.0523% | 6,775 |
| Core capital (leverage) ratio | 7.9334% | 6,597 |
| Tier 1 risk-based capital ratio | 9.2061% | 7,607 |
| Total risk-based capital ratio | 10.4674% | 7,542 |
| Memoranda: | ||
| Average total assets | $193,019,800 | 3,227 |
| Average earning assets | $178,561,600 | 3,199 |
| Average equity | $15,151,400 | 4,114 |
| Average total loans | $153,791,200 | 2,860 |