Home > American Commercial Bank & Trust > Performance and Condition Ratios
American Commercial Bank & Trust, Performance and Condition Ratios
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3990% | 655 |
| Cost of funding earning assets | 2.7262% | 689 |
| Net interest margin | 3.6728% | 1,591 |
| Noninterest income to average assets | 0.4100% | 2,241 |
| Noninterest expense to average assets | 2.1048% | 3,295 |
| Loan and lease loss provision to assets | 0.3600% | 245 |
| Net operating income to assets | 1.0566% | 1,782 |
| Return on assets (ROA) | 1.0574% | 1,782 |
| Pretax return on assets | 1.4368% | 1,370 |
| Return on Equity (ROE) | 12.2700% | 1,495 |
| Retained earnings to average equity (ytd only) | 12.2653% | 697 |
| Net charge-offs to loans | 0.5719% | 166 |
| Credit loss provision to net charge-offs | 49.4505% | 1,398 |
| Earnings coverage of net charge-offs (x) | 3.7341% | 1,927 |
| Efficiency ratio | 54.0189% | 3,761 |
| Assets per employee ($millions) | 10.1037% | 716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5514% | 945 |
| Loan loss allowance to noncurrent loans | 275.3695% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.4759% | 1,318 |
| Noncurrent loans to loans | 0.5634% | 1,518 |
| Net loans and leases to total assets | 82.6100% | 362 |
| Net loans and leases to deposits | 94.1174% | 853 |
| Net loans and leases to core deposits | 132.6000% | 367 |
| Total domestic deposits to total assets | 87.7700% | 1,508 |
| Equity capital to assets | 8.6187% | 2,942 |
| Core capital (leverage) ratio | 8.9692% | 3,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9943% | 2,808 |
| Memoranda: | ||
| Average total assets | $1,517,267,000 | 731 |
| Average earning assets | $1,438,790,000 | 708 |
| Average equity | $130,808,000 | 808 |
| Average total loans | $1,273,052,000 | 622 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0257% | 613 |
| Cost of funding earning assets | 2.1089% | 762 |
| Net interest margin | 3.9168% | 1,345 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 2.1188% | 3,359 |
| Loan and lease loss provision to assets | 0.5000% | 183 |
| Net operating income to assets | 1.1086% | 1,896 |
| Return on assets (ROA) | 1.1011% | 1,888 |
| Pretax return on assets | 1.5096% | 1,393 |
| Return on Equity (ROE) | 13.4500% | 1,618 |
| Retained earnings to average equity (ytd only) | 13.0611% | 496 |
| Net charge-offs to loans | 0.0608% | 1,244 |
| Credit loss provision to net charge-offs | 854.9724% | 465 |
| Earnings coverage of net charge-offs (x) | 39.6064% | 1,453 |
| Efficiency ratio | 51.2288% | 3,888 |
| Assets per employee ($millions) | 9.9910% | 707 |
| Cash dividends to net income (ytd only)* | 2.8750% | 3,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6850% | 687 |
| Loan loss allowance to noncurrent loans | 237.0354% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 0.5964% | 925 |
| Noncurrent loans to loans | 0.7109% | 1,096 |
| Net loans and leases to total assets | 82.4800% | 392 |
| Net loans and leases to deposits | 99.1367% | 587 |
| Net loans and leases to core deposits | 139.4607% | 281 |
| Total domestic deposits to total assets | 83.2000% | 2,839 |
| Equity capital to assets | 8.6240% | 2,951 |
| Core capital (leverage) ratio | 8.9480% | 3,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8248% | 2,838 |
| Memoranda: | ||
| Average total assets | $1,421,526,800 | 745 |
| Average earning assets | $1,347,528,000 | 724 |
| Average equity | $116,391,800 | 850 |
| Average total loans | $1,190,170,200 | 635 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8835% | 620 |
| Cost of funding earning assets | 1.9773% | 730 |
| Net interest margin | 3.9062% | 1,383 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 2.1882% | 3,112 |
| Loan and lease loss provision to assets | 0.5000% | 160 |
| Net operating income to assets | 1.0457% | 2,233 |
| Return on assets (ROA) | 1.0352% | 2,250 |
| Pretax return on assets | 1.4177% | 1,740 |
| Return on Equity (ROE) | 12.8200% | 1,938 |
| Retained earnings to average equity (ytd only) | 12.8246% | 842 |
| Net charge-offs to loans | 0.0835% | 891 |
| Credit loss provision to net charge-offs | 600.5435% | 554 |
| Earnings coverage of net charge-offs (x) | 27.6984% | 1,635 |
| Efficiency ratio | 53.0709% | 3,667 |
| Assets per employee ($millions) | 9.9757% | 674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5864% | 911 |
| Loan loss allowance to noncurrent loans | 234.4735% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 0.5732% | 1,020 |
| Noncurrent loans to loans | 0.6766% | 1,224 |
| Net loans and leases to total assets | 82.0400% | 432 |
| Net loans and leases to deposits | 95.7971% | 768 |
| Net loans and leases to core deposits | 122.5703% | 494 |
| Total domestic deposits to total assets | 85.6400% | 2,300 |
| Equity capital to assets | 8.2757% | 2,866 |
| Core capital (leverage) ratio | 8.7526% | 3,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0175% | 2,820 |
| Memoranda: | ||
| Average total assets | $1,404,743,000 | 752 |
| Average earning assets | $1,331,602,250 | 731 |
| Average equity | $113,394,250 | 856 |
| Average total loans | $1,175,482,000 | 644 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6730% | 666 |
| Cost of funding earning assets | 1.8294% | 700 |
| Net interest margin | 3.8435% | 1,535 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.1895% | 3,105 |
| Loan and lease loss provision to assets | 0.5100% | 144 |
| Net operating income to assets | 0.9966% | 2,428 |
| Return on assets (ROA) | 0.9809% | 2,464 |
| Pretax return on assets | 1.3319% | 1,985 |
| Return on Equity (ROE) | 12.2600% | 2,075 |
| Retained earnings to average equity (ytd only) | 12.2596% | 941 |
| Net charge-offs to loans | -0.0086% | 3,867 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 54.0416% | 3,606 |
| Assets per employee ($millions) | 10.1027% | 651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5005% | 1,176 |
| Loan loss allowance to noncurrent loans | 280.2515% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.4575% | 1,174 |
| Noncurrent loans to loans | 0.5354% | 1,389 |
| Net loans and leases to total assets | 82.4700% | 382 |
| Net loans and leases to deposits | 97.7543% | 627 |
| Net loans and leases to core deposits | 123.9784% | 429 |
| Total domestic deposits to total assets | 84.3700% | 2,735 |
| Equity capital to assets | 7.9096% | 3,277 |
| Core capital (leverage) ratio | 8.5489% | 4,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3049% | 2,918 |
| Memoranda: | ||
| Average total assets | $1,387,506,333 | 745 |
| Average earning assets | $1,316,137,333 | 729 |
| Average equity | $111,015,000 | 870 |
| Average total loans | $1,162,584,667 | 637 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5231% | 600 |
| Cost of funding earning assets | 1.6108% | 683 |
| Net interest margin | 3.9123% | 1,457 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 2.2298% | 3,012 |
| Loan and lease loss provision to assets | 0.5200% | 143 |
| Net operating income to assets | 0.9924% | 2,557 |
| Return on assets (ROA) | 0.9924% | 2,522 |
| Pretax return on assets | 1.3449% | 2,036 |
| Return on Equity (ROE) | 12.3300% | 2,137 |
| Retained earnings to average equity (ytd only) | 12.3279% | 1,209 |
| Net charge-offs to loans | -0.0092% | 3,820 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.4163% | 3,564 |
| Assets per employee ($millions) | 8.9624% | 948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4859% | 1,318 |
| Loan loss allowance to noncurrent loans | 256.7931% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.4929% | 1,048 |
| Noncurrent loans to loans | 0.5786% | 1,287 |
| Net loans and leases to total assets | 82.2200% | 354 |
| Net loans and leases to deposits | 100.7375% | 416 |
| Net loans and leases to core deposits | 118.8999% | 470 |
| Total domestic deposits to total assets | 81.6200% | 3,543 |
| Equity capital to assets | 8.2702% | 3,064 |
| Core capital (leverage) ratio | 8.5701% | 4,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5909% | 2,988 |
| Memoranda: | ||
| Average total assets | $1,353,862,500 | 775 |
| Average earning assets | $1,281,596,500 | 754 |
| Average equity | $108,988,500 | 889 |
| Average total loans | $1,134,824,500 | 650 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6247% | 587 |
| Cost of funding earning assets | 0.5365% | 1,179 |
| Net interest margin | 4.0883% | 674 |
| Noninterest income to average assets | 0.7100% | 1,267 |
| Noninterest expense to average assets | 2.6296% | 1,735 |
| Loan and lease loss provision to assets | 0.3400% | 219 |
| Net operating income to assets | 1.1678% | 1,901 |
| Return on assets (ROA) | 1.1679% | 1,837 |
| Pretax return on assets | 1.5834% | 1,205 |
| Return on Equity (ROE) | 13.9800% | 1,535 |
| Retained earnings to average equity (ytd only) | 13.9825% | 389 |
| Net charge-offs to loans | 0.0075% | 2,118 |
| Credit loss provision to net charge-offs | 5,371.6216% | 129 |
| Earnings coverage of net charge-offs (x) | 303.0000% | 483 |
| Efficiency ratio | 57.7430% | 3,378 |
| Assets per employee ($millions) | 9.4713% | 790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4054% | 1,482 |
| Loan loss allowance to noncurrent loans | 259.2299% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.4564% | 1,114 |
| Noncurrent loans to loans | 0.5421% | 1,361 |
| Net loans and leases to total assets | 82.9900% | 325 |
| Net loans and leases to deposits | 103.3741% | 324 |
| Net loans and leases to core deposits | 118.4265% | 395 |
| Total domestic deposits to total assets | 80.2900% | 3,834 |
| Equity capital to assets | 7.8303% | 3,163 |
| Core capital (leverage) ratio | 8.5504% | 4,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,165,140,200 | 872 |
| Average earning assets | $1,095,324,800 | 855 |
| Average equity | $97,321,800 | 963 |
| Average total loans | $982,044,200 | 696 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3725% | 615 |
| Cost of funding earning assets | 0.3213% | 1,951 |
| Net interest margin | 4.0512% | 578 |
| Noninterest income to average assets | 0.7300% | 1,213 |
| Noninterest expense to average assets | 2.5669% | 1,799 |
| Loan and lease loss provision to assets | 0.2700% | 282 |
| Net operating income to assets | 1.2404% | 1,550 |
| Return on assets (ROA) | 1.2407% | 1,528 |
| Pretax return on assets | 1.6941% | 913 |
| Return on Equity (ROE) | 14.5800% | 1,267 |
| Retained earnings to average equity (ytd only) | 14.5776% | 398 |
| Net charge-offs to loans | 0.0027% | 2,158 |
| Credit loss provision to net charge-offs | 11,842.1053% | 50 |
| Earnings coverage of net charge-offs (x) | 865.7895% | 182 |
| Efficiency ratio | 56.6775% | 3,551 |
| Assets per employee ($millions) | 8.7782% | 974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3448% | 1,827 |
| Loan loss allowance to noncurrent loans | 223.2193% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 0.5087% | 1,076 |
| Noncurrent loans to loans | 0.6025% | 1,344 |
| Net loans and leases to total assets | 83.3000% | 299 |
| Net loans and leases to deposits | 104.5137% | 223 |
| Net loans and leases to core deposits | 108.3293% | 523 |
| Total domestic deposits to total assets | 79.7000% | 4,124 |
| Equity capital to assets | 8.1055% | 2,833 |
| Core capital (leverage) ratio | 8.7235% | 3,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,117,825,750 | 897 |
| Average earning assets | $1,049,478,250 | 885 |
| Average equity | $95,138,750 | 990 |
| Average total loans | $942,530,500 | 723 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0798% | 809 |
| Cost of funding earning assets | 0.1991% | 2,924 |
| Net interest margin | 3.8807% | 635 |
| Noninterest income to average assets | 0.8650% | 914 |
| Noninterest expense to average assets | 2.6857% | 1,426 |
| Loan and lease loss provision to assets | 0.2338% | 329 |
| Net operating income to assets | 1.1616% | 1,565 |
| Return on assets (ROA) | 1.1617% | 1,541 |
| Pretax return on assets | 1.5849% | 980 |
| Return on Equity (ROE) | 13.3983% | 1,269 |
| Retained earnings to average equity (ytd only) | 13.3983% | 422 |
| Net charge-offs to loans | -0.0104% | 3,608 |
| Credit loss provision to net charge-offs | -2,659.5745% | 3,696 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6254% | 3,342 |
| Assets per employee ($millions) | 8.2370% | 1,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3802% | 1,838 |
| Loan loss allowance to noncurrent loans | 178.9200% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.6458% | 853 |
| Noncurrent loans to loans | 0.7714% | 1,107 |
| Net loans and leases to total assets | 82.5573% | 262 |
| Net loans and leases to deposits | 96.1391% | 429 |
| Net loans and leases to core deposits | 96.7737% | 800 |
| Total domestic deposits to total assets | 85.8728% | 3,278 |
| Equity capital to assets | 8.5182% | 2,749 |
| Core capital (leverage) ratio | 9.1726% | 3,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,069,078,667 | 923 |
| Average earning assets | $1,002,547,000 | 912 |
| Average equity | $92,698,667 | 1,023 |
| Average total loans | $900,947,333 | 737 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9045% | 919 |
| Cost of funding earning assets | 0.1774% | 3,118 |
| Net interest margin | 3.7271% | 713 |
| Noninterest income to average assets | 0.6648% | 1,433 |
| Noninterest expense to average assets | 2.7435% | 1,267 |
| Loan and lease loss provision to assets | 0.2346% | 287 |
| Net operating income to assets | 0.8716% | 2,404 |
| Return on assets (ROA) | 0.8716% | 2,394 |
| Pretax return on assets | 1.1790% | 1,881 |
| Return on Equity (ROE) | 9.9528% | 1,982 |
| Retained earnings to average equity (ytd only) | 6.6040% | 2,030 |
| Net charge-offs to loans | -0.0263% | 4,029 |
| Credit loss provision to net charge-offs | -1,052.6316% | 3,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9957% | 2,772 |
| Assets per employee ($millions) | 8.0420% | 1,334 |
| Cash dividends to net income (ytd only)* | 33.6474% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4396% | 1,762 |
| Loan loss allowance to noncurrent loans | 171.5897% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 0.6945% | 815 |
| Noncurrent loans to loans | 0.8390% | 1,115 |
| Net loans and leases to total assets | 81.1919% | 191 |
| Net loans and leases to deposits | 92.2680% | 421 |
| Net loans and leases to core deposits | 92.8097% | 782 |
| Total domestic deposits to total assets | 87.9957% | 2,525 |
| Equity capital to assets | 8.3163% | 3,313 |
| Core capital (leverage) ratio | 8.6721% | 3,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,022,913,000 | 958 |
| Average earning assets | $958,495,500 | 956 |
| Average equity | $89,582,500 | 1,091 |
| Average total loans | $865,297,000 | 749 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2408% | 929 |
| Cost of funding earning assets | 0.1887% | 3,570 |
| Net interest margin | 4.0522% | 640 |
| Noninterest income to average assets | 1.0143% | 974 |
| Noninterest expense to average assets | 2.7460% | 1,493 |
| Loan and lease loss provision to assets | 0.3124% | 258 |
| Net operating income to assets | 1.3170% | 1,558 |
| Return on assets (ROA) | 1.3170% | 1,596 |
| Pretax return on assets | 1.8096% | 895 |
| Return on Equity (ROE) | 15.0141% | 946 |
| Retained earnings to average equity (ytd only) | 13.3224% | 366 |
| Net charge-offs to loans | 0.0776% | 1,019 |
| Credit loss provision to net charge-offs | 468.7500% | 828 |
| Earnings coverage of net charge-offs (x) | 31.8406% | 1,567 |
| Efficiency ratio | 56.4088% | 3,656 |
| Assets per employee ($millions) | 7.3348% | 1,700 |
| Cash dividends to net income (ytd only)* | 11.2675% | 3,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4382% | 1,771 |
| Loan loss allowance to noncurrent loans | 106.9431% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 1.2383% | 387 |
| Noncurrent loans to loans | 1.3448% | 695 |
| Net loans and leases to total assets | 85.8033% | 68 |
| Net loans and leases to deposits | 98.9238% | 222 |
| Net loans and leases to core deposits | 99.6286% | 553 |
| Total domestic deposits to total assets | 86.7368% | 2,606 |
| Equity capital to assets | 9.2487% | 3,372 |
| Core capital (leverage) ratio | 8.9502% | 3,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $960,305,000 | 986 |
| Average earning assets | $913,288,600 | 973 |
| Average equity | $84,234,200 | 1,158 |
| Average total loans | $824,356,800 | 781 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2205% | 1,078 |
| Cost of funding earning assets | 0.1928% | 3,693 |
| Net interest margin | 4.0276% | 749 |
| Noninterest income to average assets | 1.0696% | 965 |
| Noninterest expense to average assets | 2.6754% | 1,650 |
| Loan and lease loss provision to assets | 0.3130% | 246 |
| Net operating income to assets | 1.3963% | 1,558 |
| Return on assets (ROA) | 1.3960% | 1,618 |
| Pretax return on assets | 1.9251% | 905 |
| Return on Equity (ROE) | 16.1367% | 923 |
| Retained earnings to average equity (ytd only) | 14.9708% | 401 |
| Net charge-offs to loans | 0.1041% | 723 |
| Credit loss provision to net charge-offs | 351.5625% | 926 |
| Earnings coverage of net charge-offs (x) | 25.1406% | 1,624 |
| Efficiency ratio | 54.4451% | 3,736 |
| Assets per employee ($millions) | 7.3575% | 1,648 |
| Cash dividends to net income (ytd only)* | 7.2254% | 3,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3982% | 2,025 |
| Loan loss allowance to noncurrent loans | 258.3371% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.5085% | 1,500 |
| Noncurrent loans to loans | 0.5412% | 1,965 |
| Net loans and leases to total assets | 80.7422% | 256 |
| Net loans and leases to deposits | 92.1046% | 488 |
| Net loans and leases to core deposits | 92.7307% | 886 |
| Total domestic deposits to total assets | 87.6636% | 2,025 |
| Equity capital to assets | 8.8674% | 3,947 |
| Core capital (leverage) ratio | 8.9864% | 3,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $958,332,000 | 1,002 |
| Average earning assets | $914,724,500 | 986 |
| Average equity | $82,906,250 | 1,190 |
| Average total loans | $819,729,250 | 801 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1222% | 1,310 |
| Cost of funding earning assets | 0.2018% | 3,733 |
| Net interest margin | 3.9204% | 937 |
| Noninterest income to average assets | 1.0601% | 976 |
| Noninterest expense to average assets | 2.7297% | 1,510 |
| Loan and lease loss provision to assets | 0.3169% | 258 |
| Net operating income to assets | 1.2809% | 1,918 |
| Return on assets (ROA) | 1.2809% | 1,997 |
| Pretax return on assets | 1.7691% | 1,305 |
| Return on Equity (ROE) | 14.9367% | 1,177 |
| Retained earnings to average equity (ytd only) | 14.9367% | 439 |
| Net charge-offs to loans | 0.1501% | 548 |
| Credit loss provision to net charge-offs | 243.1118% | 973 |
| Earnings coverage of net charge-offs (x) | 16.0032% | 1,618 |
| Efficiency ratio | 56.6835% | 3,449 |
| Assets per employee ($millions) | 6.7977% | 1,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3039% | 2,421 |
| Loan loss allowance to noncurrent loans | 612.4856% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.2623% | 2,621 |
| Noncurrent loans to loans | 0.2129% | 3,196 |
| Net loans and leases to total assets | 84.0686% | 135 |
| Net loans and leases to deposits | 96.6357% | 362 |
| Net loans and leases to core deposits | 97.5489% | 738 |
| Total domestic deposits to total assets | 86.9955% | 2,326 |
| Equity capital to assets | 8.8319% | 3,943 |
| Core capital (leverage) ratio | 8.5608% | 3,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $946,687,000 | 1,007 |
| Average earning assets | $906,896,667 | 987 |
| Average equity | $81,182,667 | 1,201 |
| Average total loans | $821,853,000 | 803 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0668% | 1,468 |
| Cost of funding earning assets | 0.2175% | 3,750 |
| Net interest margin | 3.8492% | 1,058 |
| Noninterest income to average assets | 1.1786% | 878 |
| Noninterest expense to average assets | 2.7194% | 1,576 |
| Loan and lease loss provision to assets | 0.3189% | 277 |
| Net operating income to assets | 1.3146% | 1,781 |
| Return on assets (ROA) | 1.3146% | 1,864 |
| Pretax return on assets | 1.8265% | 1,242 |
| Return on Equity (ROE) | 15.5674% | 1,097 |
| Retained earnings to average equity (ytd only) | 15.5674% | 563 |
| Net charge-offs to loans | 0.2906% | 290 |
| Credit loss provision to net charge-offs | 125.2087% | 1,032 |
| Earnings coverage of net charge-offs (x) | 8.4240% | 1,577 |
| Efficiency ratio | 55.8993% | 3,559 |
| Assets per employee ($millions) | 7.0635% | 1,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1615% | 3,138 |
| Loan loss allowance to noncurrent loans | 1,187.1856% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.2009% | 3,151 |
| Noncurrent loans to loans | 0.0978% | 3,816 |
| Net loans and leases to total assets | 86.5383% | 79 |
| Net loans and leases to deposits | 100.0293% | 285 |
| Net loans and leases to core deposits | 100.9633% | 674 |
| Total domestic deposits to total assets | 86.5129% | 2,522 |
| Equity capital to assets | 8.3149% | 4,263 |
| Core capital (leverage) ratio | 8.5579% | 4,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $940,790,500 | 1,000 |
| Average earning assets | $900,960,000 | 977 |
| Average equity | $79,448,000 | 1,217 |
| Average total loans | $824,566,500 | 794 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2362% | 2,037 |
| Cost of funding earning assets | 0.5018% | 2,935 |
| Net interest margin | 3.7344% | 1,692 |
| Noninterest income to average assets | 1.2205% | 748 |
| Noninterest expense to average assets | 3.2555% | 963 |
| Loan and lease loss provision to assets | 0.7494% | 187 |
| Net operating income to assets | 0.5740% | 3,835 |
| Return on assets (ROA) | 0.5742% | 3,940 |
| Pretax return on assets | 0.7779% | 3,684 |
| Return on Equity (ROE) | 6.5564% | 3,387 |
| Retained earnings to average equity (ytd only) | 4.5746% | 2,495 |
| Net charge-offs to loans | 0.0142% | 2,842 |
| Credit loss provision to net charge-offs | 6,149.4253% | 178 |
| Earnings coverage of net charge-offs (x) | 125.2989% | 682 |
| Efficiency ratio | 68.0716% | 2,231 |
| Assets per employee ($millions) | 6.6678% | 1,801 |
| Cash dividends to net income (ytd only)* | 30.2269% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2269% | 2,806 |
| Loan loss allowance to noncurrent loans | 684.5722% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.2811% | 2,890 |
| Noncurrent loans to loans | 0.1792% | 3,572 |
| Net loans and leases to total assets | 86.6673% | 78 |
| Net loans and leases to deposits | 113.2644% | 125 |
| Net loans and leases to core deposits | 114.5085% | 397 |
| Total domestic deposits to total assets | 76.5177% | 4,466 |
| Equity capital to assets | 8.5845% | 4,386 |
| Core capital (leverage) ratio | 8.6391% | 4,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $713,890,200 | 1,157 |
| Average earning assets | $680,943,200 | 1,130 |
| Average equity | $62,519,200 | 1,401 |
| Average total loans | $612,237,600 | 954 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1980% | 2,406 |
| Cost of funding earning assets | 0.5717% | 2,792 |
| Net interest margin | 3.6263% | 2,171 |
| Noninterest income to average assets | 1.1008% | 856 |
| Noninterest expense to average assets | 3.0331% | 1,370 |
| Loan and lease loss provision to assets | 0.6009% | 421 |
| Net operating income to assets | 0.6836% | 3,509 |
| Return on assets (ROA) | 0.6860% | 3,607 |
| Pretax return on assets | 0.9258% | 3,310 |
| Return on Equity (ROE) | 7.7811% | 2,889 |
| Retained earnings to average equity (ytd only) | 6.3748% | 1,932 |
| Net charge-offs to loans | 0.0508% | 1,883 |
| Credit loss provision to net charge-offs | 1,388.8889% | 655 |
| Earnings coverage of net charge-offs (x) | 35.2176% | 1,459 |
| Efficiency ratio | 66.5626% | 2,391 |
| Assets per employee ($millions) | 6.5107% | 1,826 |
| Cash dividends to net income (ytd only)* | 18.0730% | 2,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9526% | 3,879 |
| Loan loss allowance to noncurrent loans | 932.5224% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.3379% | 2,790 |
| Noncurrent loans to loans | 0.1021% | 3,962 |
| Net loans and leases to total assets | 88.1165% | 75 |
| Net loans and leases to deposits | 106.9172% | 299 |
| Net loans and leases to core deposits | 107.9121% | 770 |
| Total domestic deposits to total assets | 82.4157% | 3,309 |
| Equity capital to assets | 9.0250% | 4,102 |
| Core capital (leverage) ratio | 9.3057% | 3,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $665,656,750 | 1,208 |
| Average earning assets | $634,382,750 | 1,188 |
| Average equity | $58,687,500 | 1,463 |
| Average total loans | $566,376,500 | 1,029 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2983% | 2,478 |
| Cost of funding earning assets | 0.6432% | 2,739 |
| Net interest margin | 3.6551% | 2,301 |
| Noninterest income to average assets | 1.2085% | 685 |
| Noninterest expense to average assets | 3.2186% | 1,128 |
| Loan and lease loss provision to assets | 0.5490% | 610 |
| Net operating income to assets | 0.6875% | 3,437 |
| Return on assets (ROA) | 0.6901% | 3,523 |
| Pretax return on assets | 0.9157% | 3,265 |
| Return on Equity (ROE) | 7.9166% | 2,782 |
| Retained earnings to average equity (ytd only) | 5.5539% | 2,256 |
| Net charge-offs to loans | 0.0959% | 1,304 |
| Credit loss provision to net charge-offs | 687.5000% | 1,012 |
| Earnings coverage of net charge-offs (x) | 18.3000% | 1,771 |
| Efficiency ratio | 68.7736% | 2,127 |
| Assets per employee ($millions) | 6.0005% | 2,187 |
| Cash dividends to net income (ytd only)* | 29.8457% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8591% | 4,154 |
| Loan loss allowance to noncurrent loans | 688.6946% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.4235% | 2,610 |
| Noncurrent loans to loans | 0.1247% | 3,957 |
| Net loans and leases to total assets | 86.7471% | 105 |
| Net loans and leases to deposits | 101.4286% | 468 |
| Net loans and leases to core deposits | 104.9407% | 947 |
| Total domestic deposits to total assets | 85.5253% | 2,191 |
| Equity capital to assets | 6.9990% | 4,975 |
| Core capital (leverage) ratio | 7.3217% | 4,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $601,071,667 | 1,290 |
| Average earning assets | $570,879,333 | 1,263 |
| Average equity | $52,396,000 | 1,595 |
| Average total loans | $500,313,000 | 1,116 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5713% | 2,091 |
| Cost of funding earning assets | 0.7687% | 2,550 |
| Net interest margin | 3.8026% | 1,965 |
| Noninterest income to average assets | 0.9989% | 862 |
| Noninterest expense to average assets | 3.4654% | 984 |
| Loan and lease loss provision to assets | 0.6489% | 416 |
| Net operating income to assets | 0.3988% | 4,139 |
| Return on assets (ROA) | 0.3988% | 4,175 |
| Pretax return on assets | 0.4680% | 4,174 |
| Return on Equity (ROE) | 3.9698% | 3,960 |
| Retained earnings to average equity (ytd only) | 3.9698% | 2,693 |
| Net charge-offs to loans | 0.2647% | 552 |
| Credit loss provision to net charge-offs | 306.6914% | 1,162 |
| Earnings coverage of net charge-offs (x) | 5.2788% | 2,074 |
| Efficiency ratio | 75.6265% | 1,607 |
| Assets per employee ($millions) | 4.4144% | 3,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1688% | 2,830 |
| Loan loss allowance to noncurrent loans | 503.9880% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.6148% | 2,166 |
| Noncurrent loans to loans | 0.2319% | 3,661 |
| Net loans and leases to total assets | 75.6494% | 1,361 |
| Net loans and leases to deposits | 88.3562% | 1,718 |
| Net loans and leases to core deposits | 94.3305% | 1,939 |
| Total domestic deposits to total assets | 85.6186% | 2,161 |
| Equity capital to assets | 9.4263% | 4,290 |
| Core capital (leverage) ratio | 9.9941% | 3,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $508,572,500 | 1,449 |
| Average earning assets | $479,248,000 | 1,427 |
| Average equity | $51,085,500 | 1,627 |
| Average total loans | $406,568,500 | 1,282 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5987% | 2,620 |
| Cost of funding earning assets | 0.5067% | 4,061 |
| Net interest margin | 4.0920% | 1,564 |
| Noninterest income to average assets | 1.0999% | 791 |
| Noninterest expense to average assets | 3.7360% | 726 |
| Loan and lease loss provision to assets | 0.3132% | 519 |
| Net operating income to assets | 0.6441% | 4,026 |
| Return on assets (ROA) | 0.6642% | 4,047 |
| Pretax return on assets | 0.8792% | 3,798 |
| Return on Equity (ROE) | 5.2388% | 4,149 |
| Retained earnings to average equity (ytd only) | 2.5874% | 3,737 |
| Net charge-offs to loans | -0.0611% | 4,858 |
| Credit loss provision to net charge-offs | -670.6587% | 4,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1978% | 1,341 |
| Assets per employee ($millions) | 3.8313% | 4,119 |
| Cash dividends to net income (ytd only)* | 50.6105% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1820% | 2,534 |
| Loan loss allowance to noncurrent loans | 100.7389% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 1.5424% | 649 |
| Noncurrent loans to loans | 1.1733% | 1,289 |
| Net loans and leases to total assets | 83.1963% | 400 |
| Net loans and leases to deposits | 104.2365% | 369 |
| Net loans and leases to core deposits | 109.3564% | 890 |
| Total domestic deposits to total assets | 79.8149% | 4,014 |
| Equity capital to assets | 10.8181% | 3,164 |
| Core capital (leverage) ratio | 11.2668% | 2,278 |
| Tier 1 risk-based capital ratio | 12.7432% | 3,923 |
| Total risk-based capital ratio | 13.9638% | 3,827 |
| Memoranda: | ||
| Average total assets | $357,579,200 | 1,883 |
| Average earning assets | $332,335,000 | 1,871 |
| Average equity | $45,335,000 | 1,750 |
| Average total loans | $273,451,400 | 1,717 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5253% | 2,978 |
| Cost of funding earning assets | 0.4730% | 4,253 |
| Net interest margin | 4.0523% | 1,754 |
| Noninterest income to average assets | 1.1459% | 697 |
| Noninterest expense to average assets | 3.7330% | 717 |
| Loan and lease loss provision to assets | 0.2156% | 801 |
| Net operating income to assets | 0.7087% | 3,982 |
| Return on assets (ROA) | 0.7374% | 3,956 |
| Pretax return on assets | 0.9893% | 3,626 |
| Return on Equity (ROE) | 5.5412% | 4,185 |
| Retained earnings to average equity (ytd only) | 3.7561% | 3,515 |
| Net charge-offs to loans | -0.0962% | 4,985 |
| Credit loss provision to net charge-offs | -303.3708% | 4,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1587% | 1,311 |
| Assets per employee ($millions) | 3.4758% | 4,523 |
| Cash dividends to net income (ytd only)* | 32.2142% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2698% | 2,122 |
| Loan loss allowance to noncurrent loans | 95.3421% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 1.8197% | 540 |
| Noncurrent loans to loans | 1.3319% | 1,157 |
| Net loans and leases to total assets | 80.6535% | 751 |
| Net loans and leases to deposits | 97.9152% | 826 |
| Net loans and leases to core deposits | 99.6644% | 1,685 |
| Total domestic deposits to total assets | 82.3708% | 3,367 |
| Equity capital to assets | 12.7633% | 1,748 |
| Core capital (leverage) ratio | 12.4546% | 1,597 |
| Tier 1 risk-based capital ratio | 15.1804% | 2,768 |
| Total risk-based capital ratio | 16.4310% | 2,697 |
| Memoranda: | ||
| Average total assets | $333,950,000 | 1,974 |
| Average earning assets | $309,512,250 | 1,980 |
| Average equity | $44,441,750 | 1,780 |
| Average total loans | $246,657,750 | 1,856 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3630% | 3,448 |
| Cost of funding earning assets | 0.4019% | 4,498 |
| Net interest margin | 3.9610% | 2,054 |
| Noninterest income to average assets | 1.1656% | 630 |
| Noninterest expense to average assets | 3.6936% | 758 |
| Loan and lease loss provision to assets | 0.2257% | 731 |
| Net operating income to assets | 0.6822% | 4,061 |
| Return on assets (ROA) | 0.7273% | 3,965 |
| Pretax return on assets | 0.9675% | 3,657 |
| Return on Equity (ROE) | 5.3782% | 4,244 |
| Retained earnings to average equity (ytd only) | 2.6195% | 3,886 |
| Net charge-offs to loans | 0.0186% | 2,501 |
| Credit loss provision to net charge-offs | 1,714.2857% | 219 |
| Earnings coverage of net charge-offs (x) | 86.2857% | 771 |
| Efficiency ratio | 76.4767% | 1,336 |
| Assets per employee ($millions) | 3.6506% | 4,313 |
| Cash dividends to net income (ytd only)* | 51.2931% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5268% | 1,190 |
| Loan loss allowance to noncurrent loans | 81.0916% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 1.9416% | 486 |
| Noncurrent loans to loans | 1.8829% | 792 |
| Net loans and leases to total assets | 62.1134% | 3,535 |
| Net loans and leases to deposits | 71.8645% | 3,698 |
| Net loans and leases to core deposits | 73.3650% | 3,924 |
| Total domestic deposits to total assets | 86.4312% | 1,842 |
| Equity capital to assets | 12.6562% | 1,773 |
| Core capital (leverage) ratio | 14.1779% | 910 |
| Tier 1 risk-based capital ratio | 18.8841% | 1,579 |
| Total risk-based capital ratio | 20.1373% | 1,549 |
| Memoranda: | ||
| Average total assets | $318,980,330 | 2,054 |
| Average earning assets | $295,074,000 | 2,069 |
| Average equity | $43,137,330 | 1,826 |
| Average total loans | $225,712,670 | 2,006 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5467% | 2,705 |
| Cost of funding earning assets | 0.3222% | 4,769 |
| Net interest margin | 4.2245% | 1,252 |
| Noninterest income to average assets | 0.9575% | 903 |
| Noninterest expense to average assets | 3.7876% | 662 |
| Loan and lease loss provision to assets | 0.2448% | 598 |
| Net operating income to assets | 0.6189% | 4,184 |
| Return on assets (ROA) | 0.6297% | 4,189 |
| Pretax return on assets | 0.8255% | 3,981 |
| Return on Equity (ROE) | 4.4763% | 4,477 |
| Retained earnings to average equity (ytd only) | 4.4763% | 3,132 |
| Net charge-offs to loans | 0.0378% | 1,733 |
| Credit loss provision to net charge-offs | 857.1429% | 424 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 1,202 |
| Efficiency ratio | 78.1864% | 1,246 |
| Assets per employee ($millions) | 3.3092% | 4,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5436% | 1,197 |
| Loan loss allowance to noncurrent loans | 69.2055% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 2.3403% | 354 |
| Noncurrent loans to loans | 2.2304% | 632 |
| Net loans and leases to total assets | 72.1949% | 2,121 |
| Net loans and leases to deposits | 86.1999% | 2,108 |
| Net loans and leases to core deposits | 88.4146% | 2,645 |
| Total domestic deposits to total assets | 83.7528% | 3,129 |
| Equity capital to assets | 15.0290% | 751 |
| Core capital (leverage) ratio | 15.3308% | 629 |
| Tier 1 risk-based capital ratio | 18.7564% | 1,597 |
| Total risk-based capital ratio | 20.0092% | 1,560 |
| Memoranda: | ||
| Average total assets | $294,114,000 | 2,228 |
| Average earning assets | $270,613,000 | 2,236 |
| Average equity | $41,373,500 | 1,875 |
| Average total loans | $222,283,500 | 2,053 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3917% | 2,790 |
| Cost of funding earning assets | 0.1762% | 5,090 |
| Net interest margin | 4.2154% | 1,358 |
| Noninterest income to average assets | 0.9645% | 1,027 |
| Noninterest expense to average assets | 3.0576% | 1,900 |
| Loan and lease loss provision to assets | 0.2849% | 574 |
| Net operating income to assets | 1.1454% | 2,411 |
| Return on assets (ROA) | 1.1426% | 2,422 |
| Pretax return on assets | 1.5282% | 1,683 |
| Return on Equity (ROE) | 10.5031% | 2,282 |
| Retained earnings to average equity (ytd only) | 5.2321% | 2,644 |
| Net charge-offs to loans | -0.0238% | 4,743 |
| Credit loss provision to net charge-offs | -1,620.3704% | 4,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7296% | 3,400 |
| Assets per employee ($millions) | 3.5852% | 4,463 |
| Cash dividends to net income (ytd only)* | 50.1852% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4201% | 1,560 |
| Loan loss allowance to noncurrent loans | 66.6114% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 2.3833% | 336 |
| Noncurrent loans to loans | 2.1319% | 617 |
| Net loans and leases to total assets | 76.7795% | 1,470 |
| Net loans and leases to deposits | 90.7406% | 1,708 |
| Net loans and leases to core deposits | 91.8421% | 2,417 |
| Total domestic deposits to total assets | 84.6142% | 2,792 |
| Equity capital to assets | 13.0807% | 1,305 |
| Core capital (leverage) ratio | 12.4011% | 1,516 |
| Tier 1 risk-based capital ratio | 15.8574% | 2,464 |
| Total risk-based capital ratio | 17.1097% | 2,395 |
| Memoranda: | ||
| Average total assets | $307,101,400 | 2,107 |
| Average earning assets | $284,834,800 | 2,106 |
| Average equity | $33,409,200 | 2,136 |
| Average total loans | $227,309,200 | 1,971 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2578% | 3,123 |
| Cost of funding earning assets | 0.1607% | 5,186 |
| Net interest margin | 4.0971% | 1,639 |
| Noninterest income to average assets | 0.9051% | 1,185 |
| Noninterest expense to average assets | 2.9970% | 2,025 |
| Loan and lease loss provision to assets | 0.1756% | 1,044 |
| Net operating income to assets | 1.1538% | 2,426 |
| Return on assets (ROA) | 1.1501% | 2,448 |
| Pretax return on assets | 1.5386% | 1,772 |
| Return on Equity (ROE) | 11.0953% | 2,140 |
| Retained earnings to average equity (ytd only) | 5.9051% | 2,703 |
| Net charge-offs to loans | -0.0310% | 4,765 |
| Credit loss provision to net charge-offs | -773.5849% | 4,587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5513% | 3,262 |
| Assets per employee ($millions) | 3.9866% | 3,909 |
| Cash dividends to net income (ytd only)* | 46.7783% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1388% | 2,971 |
| Loan loss allowance to noncurrent loans | 56.3976% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 2.2493% | 432 |
| Noncurrent loans to loans | 2.0192% | 720 |
| Net loans and leases to total assets | 75.6935% | 1,707 |
| Net loans and leases to deposits | 85.4746% | 2,423 |
| Net loans and leases to core deposits | 86.1533% | 2,979 |
| Total domestic deposits to total assets | 88.5567% | 1,022 |
| Equity capital to assets | 10.4698% | 3,171 |
| Core capital (leverage) ratio | 10.4244% | 3,160 |
| Tier 1 risk-based capital ratio | 13.4792% | 3,638 |
| Total risk-based capital ratio | 14.6506% | 3,602 |
| Memoranda: | ||
| Average total assets | $311,277,250 | 2,100 |
| Average earning assets | $289,529,750 | 2,091 |
| Average equity | $32,265,000 | 2,200 |
| Average total loans | $227,592,000 | 1,968 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0840% | 3,515 |
| Cost of funding earning assets | 0.1499% | 5,245 |
| Net interest margin | 3.9341% | 2,091 |
| Noninterest income to average assets | 0.8179% | 1,420 |
| Noninterest expense to average assets | 2.9853% | 2,078 |
| Loan and lease loss provision to assets | 0.0613% | 2,676 |
| Net operating income to assets | 1.0650% | 2,727 |
| Return on assets (ROA) | 1.0650% | 2,735 |
| Pretax return on assets | 1.4281% | 2,058 |
| Return on Equity (ROE) | 10.3095% | 2,420 |
| Retained earnings to average equity (ytd only) | 2.8100% | 4,130 |
| Net charge-offs to loans | -0.0556% | 4,955 |
| Credit loss provision to net charge-offs | -153.2258% | 4,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7147% | 2,864 |
| Assets per employee ($millions) | 4.3518% | 3,352 |
| Cash dividends to net income (ytd only)* | 72.7438% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0028% | 3,823 |
| Loan loss allowance to noncurrent loans | 150.0615% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 1.0568% | 1,409 |
| Noncurrent loans to loans | 0.6683% | 2,438 |
| Net loans and leases to total assets | 66.6854% | 3,054 |
| Net loans and leases to deposits | 73.8928% | 3,545 |
| Net loans and leases to core deposits | 74.4568% | 3,850 |
| Total domestic deposits to total assets | 90.2461% | 487 |
| Equity capital to assets | 8.9106% | 4,631 |
| Core capital (leverage) ratio | 10.6833% | 2,830 |
| Tier 1 risk-based capital ratio | 13.2681% | 3,751 |
| Total risk-based capital ratio | 14.3255% | 3,776 |
| Memoranda: | ||
| Average total assets | $310,054,670 | 2,119 |
| Average earning assets | $288,194,670 | 2,108 |
| Average equity | $32,028,670 | 2,224 |
| Average total loans | $223,076,330 | 2,006 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2707% | 2,634 |
| Cost of funding earning assets | 0.1524% | 5,254 |
| Net interest margin | 4.1183% | 1,391 |
| Noninterest income to average assets | 0.8450% | 1,316 |
| Noninterest expense to average assets | 3.1847% | 1,599 |
| Loan and lease loss provision to assets | 0.0422% | 2,912 |
| Net operating income to assets | 1.0588% | 2,617 |
| Return on assets (ROA) | 1.0588% | 2,626 |
| Pretax return on assets | 1.4187% | 1,945 |
| Return on Equity (ROE) | 9.4271% | 2,701 |
| Retained earnings to average equity (ytd only) | 1.5900% | 4,464 |
| Net charge-offs to loans | -0.0507% | 4,970 |
| Credit loss provision to net charge-offs | -111.1111% | 3,704 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5533% | 2,741 |
| Assets per employee ($millions) | 3.4420% | 4,745 |
| Cash dividends to net income (ytd only)* | 83.1341% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0916% | 3,442 |
| Loan loss allowance to noncurrent loans | 232.1429% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 1.2422% | 1,211 |
| Noncurrent loans to loans | 0.4702% | 3,118 |
| Net loans and leases to total assets | 75.1254% | 1,686 |
| Net loans and leases to deposits | 85.7327% | 2,197 |
| Net loans and leases to core deposits | 86.5042% | 2,760 |
| Total domestic deposits to total assets | 87.6276% | 1,835 |
| Equity capital to assets | 11.3046% | 2,293 |
| Core capital (leverage) ratio | 10.9141% | 2,529 |
| Tier 1 risk-based capital ratio | 14.2834% | 3,235 |
| Total risk-based capital ratio | 15.3866% | 3,233 |
| Memoranda: | ||
| Average total assets | $284,482,500 | 2,283 |
| Average earning assets | $262,535,500 | 2,284 |
| Average equity | $31,950,500 | 2,244 |
| Average total loans | $212,961,000 | 2,093 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1523% | 2,874 |
| Cost of funding earning assets | 0.1273% | 5,376 |
| Net interest margin | 4.0250% | 1,671 |
| Noninterest income to average assets | 0.9759% | 1,077 |
| Noninterest expense to average assets | 3.0339% | 2,063 |
| Loan and lease loss provision to assets | 0.0069% | 4,129 |
| Net operating income to assets | 1.1773% | 1,589 |
| Return on assets (ROA) | 1.1822% | 1,595 |
| Pretax return on assets | 1.6627% | 1,116 |
| Return on Equity (ROE) | 11.0277% | 1,472 |
| Retained earnings to average equity (ytd only) | 5.6860% | 1,715 |
| Net charge-offs to loans | 0.2300% | 1,126 |
| Credit loss provision to net charge-offs | 4.0984% | 3,693 |
| Earnings coverage of net charge-offs (x) | 9.8770% | 2,736 |
| Efficiency ratio | 64.5979% | 3,513 |
| Assets per employee ($millions) | 3.6760% | 4,471 |
| Cash dividends to net income (ytd only)* | 48.4389% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0792% | 3,454 |
| Loan loss allowance to noncurrent loans | 121.1783% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 1.5279% | 888 |
| Noncurrent loans to loans | 0.8906% | 1,999 |
| Net loans and leases to total assets | 72.9846% | 2,097 |
| Net loans and leases to deposits | 83.1222% | 2,594 |
| Net loans and leases to core deposits | 83.8569% | 3,064 |
| Total domestic deposits to total assets | 87.8040% | 1,605 |
| Equity capital to assets | 11.1588% | 2,480 |
| Core capital (leverage) ratio | 10.4893% | 2,852 |
| Tier 1 risk-based capital ratio | 14.4913% | 3,094 |
| Total risk-based capital ratio | 15.5893% | 3,085 |
| Memoranda: | ||
| Average total assets | $289,894,000 | 2,218 |
| Average earning assets | $267,974,000 | 2,223 |
| Average equity | $31,076,400 | 2,288 |
| Average total loans | $212,197,800 | 2,056 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0573% | 3,149 |
| Cost of funding earning assets | 0.1219% | 5,467 |
| Net interest margin | 3.9353% | 1,912 |
| Noninterest income to average assets | 1.0265% | 968 |
| Noninterest expense to average assets | 3.0438% | 1,981 |
| Loan and lease loss provision to assets | 0.0092% | 3,949 |
| Net operating income to assets | 1.0504% | 2,328 |
| Return on assets (ROA) | 1.0563% | 2,339 |
| Pretax return on assets | 1.6242% | 1,335 |
| Return on Equity (ROE) | 9.9543% | 2,154 |
| Retained earnings to average equity (ytd only) | 4.8324% | 2,995 |
| Net charge-offs to loans | 0.2467% | 875 |
| Credit loss provision to net charge-offs | 5.0891% | 3,251 |
| Earnings coverage of net charge-offs (x) | 9.0101% | 2,726 |
| Efficiency ratio | 65.2059% | 3,341 |
| Assets per employee ($millions) | 3.8089% | 4,298 |
| Cash dividends to net income (ytd only)* | 51.4546% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1053% | 3,454 |
| Loan loss allowance to noncurrent loans | 96.7060% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 1.7072% | 841 |
| Noncurrent loans to loans | 1.1430% | 1,682 |
| Net loans and leases to total assets | 72.5445% | 2,176 |
| Net loans and leases to deposits | 82.3036% | 2,745 |
| Net loans and leases to core deposits | 83.0152% | 3,212 |
| Total domestic deposits to total assets | 88.1426% | 1,284 |
| Equity capital to assets | 10.7543% | 3,115 |
| Core capital (leverage) ratio | 10.0389% | 3,526 |
| Tier 1 risk-based capital ratio | 14.1677% | 3,366 |
| Total risk-based capital ratio | 15.3105% | 3,329 |
| Memoranda: | ||
| Average total assets | $290,686,250 | 2,229 |
| Average earning assets | $268,976,000 | 2,229 |
| Average equity | $30,846,750 | 2,317 |
| Average total loans | $212,360,250 | 2,068 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9708% | 3,315 |
| Cost of funding earning assets | 0.1156% | 5,532 |
| Net interest margin | 3.8551% | 2,077 |
| Noninterest income to average assets | 0.9854% | 1,053 |
| Noninterest expense to average assets | 3.0654% | 1,926 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9777% | 2,536 |
| Return on assets (ROA) | 0.9868% | 2,540 |
| Pretax return on assets | 1.4996% | 1,636 |
| Return on Equity (ROE) | 9.3417% | 2,334 |
| Retained earnings to average equity (ytd only) | 5.0236% | 2,694 |
| Net charge-offs to loans | 0.2838% | 716 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 7.1767% | 2,629 |
| Efficiency ratio | 67.3541% | 3,122 |
| Assets per employee ($millions) | 4.0568% | 3,865 |
| Cash dividends to net income (ytd only)* | 46.2238% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1155% | 3,493 |
| Loan loss allowance to noncurrent loans | 136.4699% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 1.4480% | 1,074 |
| Noncurrent loans to loans | 0.8174% | 2,360 |
| Net loans and leases to total assets | 68.6625% | 2,713 |
| Net loans and leases to deposits | 77.0298% | 3,213 |
| Net loans and leases to core deposits | 77.6398% | 3,631 |
| Total domestic deposits to total assets | 89.1375% | 895 |
| Equity capital to assets | 9.8727% | 4,056 |
| Core capital (leverage) ratio | 10.4777% | 2,943 |
| Tier 1 risk-based capital ratio | 14.1370% | 3,352 |
| Total risk-based capital ratio | 15.3264% | 3,309 |
| Memoranda: | ||
| Average total assets | $289,819,670 | 2,243 |
| Average earning assets | $268,060,000 | 2,247 |
| Average equity | $30,615,330 | 2,329 |
| Average total loans | $211,433,330 | 2,076 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1656% | 2,404 |
| Cost of funding earning assets | 0.1163% | 5,583 |
| Net interest margin | 4.0493% | 1,348 |
| Noninterest income to average assets | 1.0343% | 942 |
| Noninterest expense to average assets | 3.2259% | 1,536 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0126% | 2,252 |
| Return on assets (ROA) | 1.0126% | 2,304 |
| Pretax return on assets | 1.5363% | 1,419 |
| Return on Equity (ROE) | 9.2400% | 2,298 |
| Retained earnings to average equity (ytd only) | 4.6728% | 3,072 |
| Net charge-offs to loans | 0.5171% | 354 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 3.9627% | 2,434 |
| Efficiency ratio | 67.7400% | 3,245 |
| Assets per employee ($millions) | 3.5624% | 4,698 |
| Cash dividends to net income (ytd only)* | 49.4286% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2353% | 2,911 |
| Loan loss allowance to noncurrent loans | 122.9817% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 1.7853% | 800 |
| Noncurrent loans to loans | 1.0045% | 2,042 |
| Net loans and leases to total assets | 72.3732% | 2,022 |
| Net loans and leases to deposits | 82.3708% | 2,461 |
| Net loans and leases to core deposits | 83.0336% | 2,991 |
| Total domestic deposits to total assets | 87.8626% | 1,791 |
| Equity capital to assets | 11.1494% | 2,477 |
| Core capital (leverage) ratio | 10.8817% | 2,503 |
| Tier 1 risk-based capital ratio | 14.3729% | 3,274 |
| Total risk-based capital ratio | 15.6156% | 3,198 |
| Memoranda: | ||
| Average total assets | $276,515,000 | 2,354 |
| Average earning assets | $254,559,500 | 2,362 |
| Average equity | $30,303,000 | 2,354 |
| Average total loans | $207,290,500 | 2,118 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9462% | 3,398 |
| Cost of funding earning assets | 0.0939% | 5,729 |
| Net interest margin | 3.8523% | 2,126 |
| Noninterest income to average assets | 1.1720% | 825 |
| Noninterest expense to average assets | 3.0538% | 2,167 |
| Loan and lease loss provision to assets | 0.0017% | 4,312 |
| Net operating income to assets | 1.0892% | 1,939 |
| Return on assets (ROA) | 1.1120% | 1,947 |
| Pretax return on assets | 1.6931% | 1,018 |
| Return on Equity (ROE) | 10.9161% | 1,611 |
| Retained earnings to average equity (ytd only) | 4.3281% | 2,822 |
| Net charge-offs to loans | -0.0933% | 5,572 |
| Credit loss provision to net charge-offs | -2.6316% | 4,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7820% | 3,802 |
| Assets per employee ($millions) | 3.6675% | 4,523 |
| Cash dividends to net income (ytd only)* | 60.3512% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2881% | 2,609 |
| Loan loss allowance to noncurrent loans | 121.7257% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 1.8330% | 793 |
| Noncurrent loans to loans | 1.0582% | 1,959 |
| Net loans and leases to total assets | 75.6386% | 1,573 |
| Net loans and leases to deposits | 93.2516% | 1,269 |
| Net loans and leases to core deposits | 94.0520% | 2,102 |
| Total domestic deposits to total assets | 81.1124% | 4,309 |
| Equity capital to assets | 10.7714% | 2,843 |
| Core capital (leverage) ratio | 10.3097% | 3,094 |
| Tier 1 risk-based capital ratio | 14.0810% | 3,419 |
| Total risk-based capital ratio | 15.3340% | 3,334 |
| Memoranda: | ||
| Average total assets | $291,896,800 | 2,215 |
| Average earning assets | $268,382,400 | 2,225 |
| Average equity | $29,736,000 | 2,371 |
| Average total loans | $203,573,200 | 2,091 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9029% | 3,577 |
| Cost of funding earning assets | 0.0958% | 5,786 |
| Net interest margin | 3.8071% | 2,306 |
| Noninterest income to average assets | 1.0931% | 946 |
| Noninterest expense to average assets | 3.0113% | 2,287 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0422% | 2,237 |
| Return on assets (ROA) | 1.0723% | 2,214 |
| Pretax return on assets | 1.6283% | 1,308 |
| Return on Equity (ROE) | 10.6703% | 1,796 |
| Retained earnings to average equity (ytd only) | 4.0227% | 3,436 |
| Net charge-offs to loans | -0.1087% | 5,605 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5491% | 3,670 |
| Assets per employee ($millions) | 3.7968% | 4,308 |
| Cash dividends to net income (ytd only)* | 62.3000% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3090% | 2,637 |
| Loan loss allowance to noncurrent loans | 116.9390% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 1.9227% | 829 |
| Noncurrent loans to loans | 1.1194% | 2,011 |
| Net loans and leases to total assets | 72.9900% | 2,021 |
| Net loans and leases to deposits | 83.0643% | 2,593 |
| Net loans and leases to core deposits | 83.7184% | 3,154 |
| Total domestic deposits to total assets | 87.8717% | 1,468 |
| Equity capital to assets | 10.8278% | 3,220 |
| Core capital (leverage) ratio | 9.6311% | 4,017 |
| Tier 1 risk-based capital ratio | 14.3892% | 3,336 |
| Total risk-based capital ratio | 15.6426% | 3,267 |
| Memoranda: | ||
| Average total assets | $295,189,000 | 2,201 |
| Average earning assets | $271,451,750 | 2,206 |
| Average equity | $29,664,250 | 2,390 |
| Average total loans | $201,072,250 | 2,116 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7915% | 3,984 |
| Cost of funding earning assets | 0.0927% | 5,880 |
| Net interest margin | 3.6987% | 2,701 |
| Noninterest income to average assets | 0.9896% | 1,139 |
| Noninterest expense to average assets | 2.9700% | 2,446 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9424% | 2,660 |
| Return on assets (ROA) | 0.9869% | 2,587 |
| Pretax return on assets | 1.4910% | 1,695 |
| Return on Equity (ROE) | 10.0640% | 2,020 |
| Retained earnings to average equity (ytd only) | 1.0880% | 4,949 |
| Net charge-offs to loans | 0.0312% | 2,846 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 68.8710% | 787 |
| Efficiency ratio | 67.5975% | 3,428 |
| Assets per employee ($millions) | 4.4189% | 3,182 |
| Cash dividends to net income (ytd only)* | 89.1892% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1796% | 3,466 |
| Loan loss allowance to noncurrent loans | 121.8629% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 1.5856% | 1,174 |
| Noncurrent loans to loans | 0.9680% | 2,345 |
| Net loans and leases to total assets | 63.8256% | 3,390 |
| Net loans and leases to deposits | 74.6193% | 3,516 |
| Net loans and leases to core deposits | 75.1989% | 3,891 |
| Total domestic deposits to total assets | 85.5349% | 2,629 |
| Equity capital to assets | 8.9425% | 5,283 |
| Core capital (leverage) ratio | 9.6080% | 4,056 |
| Tier 1 risk-based capital ratio | 13.6026% | 3,836 |
| Total risk-based capital ratio | 14.8544% | 3,756 |
| Memoranda: | ||
| Average total assets | $299,931,000 | 2,183 |
| Average earning assets | $276,041,000 | 2,194 |
| Average equity | $29,411,670 | 2,405 |
| Average total loans | $198,831,330 | 2,139 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9647% | 3,350 |
| Cost of funding earning assets | 0.1017% | 5,910 |
| Net interest margin | 3.8630% | 2,058 |
| Noninterest income to average assets | 1.0556% | 968 |
| Noninterest expense to average assets | 3.2401% | 1,740 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9022% | 2,741 |
| Return on assets (ROA) | 0.9022% | 2,867 |
| Pretax return on assets | 1.3442% | 2,115 |
| Return on Equity (ROE) | 8.7512% | 2,539 |
| Retained earnings to average equity (ytd only) | -0.0546% | 5,118 |
| Net charge-offs to loans | 0.0753% | 1,736 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 26.5278% | 1,270 |
| Efficiency ratio | 70.6785% | 3,008 |
| Assets per employee ($millions) | 3.6308% | 4,587 |
| Cash dividends to net income (ytd only)* | 100.6240% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3189% | 2,806 |
| Loan loss allowance to noncurrent loans | 118.9240% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 1.8979% | 944 |
| Noncurrent loans to loans | 1.1091% | 2,180 |
| Net loans and leases to total assets | 66.5744% | 2,873 |
| Net loans and leases to deposits | 77.6602% | 3,038 |
| Net loans and leases to core deposits | 78.4461% | 3,458 |
| Total domestic deposits to total assets | 85.7252% | 2,798 |
| Equity capital to assets | 10.3706% | 3,658 |
| Core capital (leverage) ratio | 9.7937% | 3,787 |
| Tier 1 risk-based capital ratio | 14.5446% | 3,370 |
| Total risk-based capital ratio | 15.7977% | 3,308 |
| Memoranda: | ||
| Average total assets | $284,187,000 | 2,284 |
| Average earning assets | $259,591,500 | 2,311 |
| Average equity | $29,299,000 | 2,417 |
| Average total loans | $191,219,500 | 2,198 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7450% | 4,213 |
| Cost of funding earning assets | 0.1192% | 5,883 |
| Net interest margin | 3.6257% | 3,036 |
| Noninterest income to average assets | 1.0030% | 1,179 |
| Noninterest expense to average assets | 3.1112% | 2,203 |
| Loan and lease loss provision to assets | 0.0210% | 3,968 |
| Net operating income to assets | 0.7946% | 3,361 |
| Return on assets (ROA) | 0.8281% | 3,278 |
| Pretax return on assets | 1.2290% | 2,550 |
| Return on Equity (ROE) | 8.0850% | 2,916 |
| Retained earnings to average equity (ytd only) | -1.6771% | 5,731 |
| Net charge-offs to loans | -0.4826% | 6,081 |
| Credit loss provision to net charge-offs | -7.1514% | 4,939 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1659% | 2,884 |
| Assets per employee ($millions) | 3.7035% | 4,473 |
| Cash dividends to net income (ytd only)* | 120.7436% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3356% | 2,729 |
| Loan loss allowance to noncurrent loans | 166.9497% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 1.6913% | 1,151 |
| Noncurrent loans to loans | 0.8000% | 2,788 |
| Net loans and leases to total assets | 66.2137% | 2,954 |
| Net loans and leases to deposits | 79.1995% | 2,919 |
| Net loans and leases to core deposits | 80.4963% | 3,293 |
| Total domestic deposits to total assets | 83.6038% | 3,633 |
| Equity capital to assets | 10.2494% | 3,682 |
| Core capital (leverage) ratio | 9.3457% | 4,400 |
| Tier 1 risk-based capital ratio | 14.5680% | 3,406 |
| Total risk-based capital ratio | 15.8230% | 3,318 |
| Memoranda: | ||
| Average total assets | $285,838,600 | 2,231 |
| Average earning assets | $260,802,800 | 2,259 |
| Average equity | $29,276,600 | 2,369 |
| Average total loans | $173,853,200 | 2,306 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7068% | 4,398 |
| Cost of funding earning assets | 0.1231% | 5,964 |
| Net interest margin | 3.5837% | 3,223 |
| Noninterest income to average assets | 1.0195% | 1,144 |
| Noninterest expense to average assets | 3.0721% | 2,294 |
| Loan and lease loss provision to assets | 0.0280% | 3,685 |
| Net operating income to assets | 0.8041% | 3,412 |
| Return on assets (ROA) | 0.8219% | 3,408 |
| Pretax return on assets | 1.2177% | 2,745 |
| Return on Equity (ROE) | 8.0256% | 3,060 |
| Retained earnings to average equity (ytd only) | -2.6767% | 5,911 |
| Net charge-offs to loans | -0.6813% | 6,181 |
| Credit loss provision to net charge-offs | -6.9284% | 4,839 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5915% | 2,948 |
| Assets per employee ($millions) | 3.7498% | 4,359 |
| Cash dividends to net income (ytd only)* | 133.3522% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4128% | 2,536 |
| Loan loss allowance to noncurrent loans | 98.6631% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 2.1078% | 935 |
| Noncurrent loans to loans | 1.4320% | 1,761 |
| Net loans and leases to total assets | 61.6242% | 3,659 |
| Net loans and leases to deposits | 69.1816% | 4,075 |
| Net loans and leases to core deposits | 70.2853% | 4,346 |
| Total domestic deposits to total assets | 89.0760% | 994 |
| Equity capital to assets | 9.9715% | 4,184 |
| Core capital (leverage) ratio | 9.1895% | 4,742 |
| Tier 1 risk-based capital ratio | 14.0890% | 3,802 |
| Total risk-based capital ratio | 15.3435% | 3,738 |
| Memoranda: | ||
| Average total assets | $286,006,000 | 2,249 |
| Average earning assets | $261,099,000 | 2,275 |
| Average equity | $29,288,750 | 2,384 |
| Average total loans | $169,472,250 | 2,371 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6347% | 4,621 |
| Cost of funding earning assets | 0.1250% | 6,017 |
| Net interest margin | 3.5097% | 3,459 |
| Noninterest income to average assets | 1.0449% | 1,085 |
| Noninterest expense to average assets | 3.1129% | 2,211 |
| Loan and lease loss provision to assets | 0.0423% | 3,266 |
| Net operating income to assets | 0.7421% | 3,676 |
| Return on assets (ROA) | 0.7694% | 3,642 |
| Pretax return on assets | 1.1358% | 3,028 |
| Return on Equity (ROE) | 7.4463% | 3,349 |
| Retained earnings to average equity (ytd only) | -7.1394% | 6,096 |
| Net charge-offs to loans | 0.1442% | 1,627 |
| Credit loss provision to net charge-offs | 50.4202% | 2,698 |
| Earnings coverage of net charge-offs (x) | 13.5714% | 2,121 |
| Efficiency ratio | 73.2306% | 2,796 |
| Assets per employee ($millions) | 3.8092% | 4,242 |
| Cash dividends to net income (ytd only)* | 195.8791% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9049% | 5,282 |
| Loan loss allowance to noncurrent loans | 64.4355% | 4,635 |
| Noncurrent assets plus other real estate owned to assets | 1.5738% | 1,538 |
| Noncurrent loans to loans | 1.4044% | 1,919 |
| Net loans and leases to total assets | 58.8965% | 3,994 |
| Net loans and leases to deposits | 70.8908% | 3,834 |
| Net loans and leases to core deposits | 71.9376% | 4,145 |
| Total domestic deposits to total assets | 83.0807% | 3,916 |
| Equity capital to assets | 9.6915% | 4,413 |
| Core capital (leverage) ratio | 9.3251% | 4,520 |
| Tier 1 risk-based capital ratio | 14.4388% | 3,670 |
| Total risk-based capital ratio | 15.3282% | 3,812 |
| Memoranda: | ||
| Average total assets | $283,846,670 | 2,276 |
| Average earning assets | $259,281,330 | 2,303 |
| Average equity | $29,330,000 | 2,396 |
| Average total loans | $165,021,670 | 2,432 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5819% | 4,749 |
| Cost of funding earning assets | 0.1298% | 6,064 |
| Net interest margin | 3.4520% | 3,621 |
| Noninterest income to average assets | 1.0346% | 1,044 |
| Noninterest expense to average assets | 3.1398% | 2,161 |
| Loan and lease loss provision to assets | 0.0433% | 3,048 |
| Net operating income to assets | 0.6840% | 3,878 |
| Return on assets (ROA) | 0.6840% | 4,009 |
| Pretax return on assets | 0.9971% | 3,519 |
| Return on Equity (ROE) | 6.4059% | 3,825 |
| Retained earnings to average equity (ytd only) | -12.1091% | 6,177 |
| Net charge-offs to loans | 0.1909% | 1,166 |
| Credit loss provision to net charge-offs | 39.4737% | 2,189 |
| Earnings coverage of net charge-offs (x) | 9.4868% | 2,008 |
| Efficiency ratio | 75.1122% | 2,642 |
| Assets per employee ($millions) | 3.7015% | 4,512 |
| Cash dividends to net income (ytd only)* | 289.0295% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9689% | 5,173 |
| Loan loss allowance to noncurrent loans | 118.2819% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 1.2982% | 2,047 |
| Noncurrent loans to loans | 0.8191% | 3,198 |
| Net loans and leases to total assets | 58.5338% | 3,868 |
| Net loans and leases to deposits | 68.8047% | 3,882 |
| Net loans and leases to core deposits | 69.7771% | 4,179 |
| Total domestic deposits to total assets | 85.0724% | 3,370 |
| Equity capital to assets | 10.4031% | 3,642 |
| Core capital (leverage) ratio | 9.9177% | 3,716 |
| Tier 1 risk-based capital ratio | 15.4816% | 3,154 |
| Total risk-based capital ratio | 16.4206% | 3,262 |
| Memoranda: | ||
| Average total assets | $277,212,000 | 2,334 |
| Average earning assets | $252,606,000 | 2,370 |
| Average equity | $29,597,500 | 2,383 |
| Average total loans | $159,238,000 | 2,500 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5809% | 5,132 |
| Cost of funding earning assets | 0.1821% | 5,897 |
| Net interest margin | 3.3988% | 4,206 |
| Noninterest income to average assets | 0.8882% | 1,544 |
| Noninterest expense to average assets | 3.1066% | 2,491 |
| Loan and lease loss provision to assets | 0.0108% | 4,408 |
| Net operating income to assets | 0.6000% | 4,366 |
| Return on assets (ROA) | 0.6000% | 4,463 |
| Pretax return on assets | 0.8662% | 4,017 |
| Return on Equity (ROE) | 5.6362% | 4,344 |
| Retained earnings to average equity (ytd only) | 0.2196% | 5,678 |
| Net charge-offs to loans | 0.2654% | 1,628 |
| Credit loss provision to net charge-offs | 8.1301% | 4,125 |
| Earnings coverage of net charge-offs (x) | 6.6070% | 3,169 |
| Efficiency ratio | 77.9845% | 2,215 |
| Assets per employee ($millions) | 3.5014% | 4,896 |
| Cash dividends to net income (ytd only)* | 96.1031% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0887% | 4,594 |
| Loan loss allowance to noncurrent loans | 122.1076% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 1.3353% | 2,106 |
| Noncurrent loans to loans | 0.8916% | 3,089 |
| Net loans and leases to total assets | 55.1222% | 4,435 |
| Net loans and leases to deposits | 65.7690% | 4,352 |
| Net loans and leases to core deposits | 66.8155% | 4,611 |
| Total domestic deposits to total assets | 83.8118% | 3,801 |
| Equity capital to assets | 10.9588% | 2,935 |
| Core capital (leverage) ratio | 9.5858% | 4,125 |
| Tier 1 risk-based capital ratio | 16.5717% | 2,687 |
| Total risk-based capital ratio | 17.6089% | 2,728 |
| Memoranda: | ||
| Average total assets | $277,989,600 | 2,294 |
| Average earning assets | $253,179,000 | 2,323 |
| Average equity | $29,594,600 | 2,295 |
| Average total loans | $139,044,400 | 2,724 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5200% | 5,349 |
| Cost of funding earning assets | 0.1913% | 5,900 |
| Net interest margin | 3.3287% | 4,511 |
| Noninterest income to average assets | 0.8677% | 1,633 |
| Noninterest expense to average assets | 3.1106% | 2,441 |
| Loan and lease loss provision to assets | 0.0048% | 4,319 |
| Net operating income to assets | 0.5449% | 4,695 |
| Return on assets (ROA) | 0.5449% | 4,771 |
| Pretax return on assets | 0.7851% | 4,416 |
| Return on Equity (ROE) | 5.1551% | 4,647 |
| Retained earnings to average equity (ytd only) | -0.8178% | 5,936 |
| Net charge-offs to loans | -0.1120% | 6,176 |
| Credit loss provision to net charge-offs | -8.7719% | 5,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7502% | 1,955 |
| Assets per employee ($millions) | 3.6221% | 4,633 |
| Cash dividends to net income (ytd only)* | 115.8627% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4231% | 3,064 |
| Loan loss allowance to noncurrent loans | 97.8763% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 1.6418% | 1,844 |
| Noncurrent loans to loans | 1.4540% | 2,237 |
| Net loans and leases to total assets | 51.3194% | 4,868 |
| Net loans and leases to deposits | 57.8330% | 5,114 |
| Net loans and leases to core deposits | 59.7105% | 5,214 |
| Total domestic deposits to total assets | 88.7373% | 1,380 |
| Equity capital to assets | 10.4219% | 3,655 |
| Core capital (leverage) ratio | 9.2821% | 4,662 |
| Tier 1 risk-based capital ratio | 16.2781% | 2,920 |
| Total risk-based capital ratio | 17.5288% | 2,873 |
| Memoranda: | ||
| Average total assets | $279,208,750 | 2,300 |
| Average earning assets | $254,390,750 | 2,324 |
| Average equity | $29,510,750 | 2,309 |
| Average total loans | $135,754,750 | 2,782 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4756% | 5,461 |
| Cost of funding earning assets | 0.2007% | 5,904 |
| Net interest margin | 3.2749% | 4,682 |
| Noninterest income to average assets | 0.8371% | 1,714 |
| Noninterest expense to average assets | 3.1593% | 2,308 |
| Loan and lease loss provision to assets | 0.0072% | 4,093 |
| Net operating income to assets | 0.4680% | 4,939 |
| Return on assets (ROA) | 0.4680% | 5,014 |
| Pretax return on assets | 0.6522% | 4,778 |
| Return on Equity (ROE) | 4.4071% | 4,970 |
| Retained earnings to average equity (ytd only) | -4.2983% | 6,197 |
| Net charge-offs to loans | -0.3624% | 6,469 |
| Credit loss provision to net charge-offs | -4.2017% | 5,059 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7312% | 1,665 |
| Assets per employee ($millions) | 3.4233% | 5,010 |
| Cash dividends to net income (ytd only)* | 197.5309% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6368% | 2,335 |
| Loan loss allowance to noncurrent loans | 120.0642% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 1.6725% | 1,940 |
| Noncurrent loans to loans | 1.3633% | 2,535 |
| Net loans and leases to total assets | 48.0396% | 5,168 |
| Net loans and leases to deposits | 54.0435% | 5,354 |
| Net loans and leases to core deposits | 55.8215% | 5,427 |
| Total domestic deposits to total assets | 88.8907% | 1,424 |
| Equity capital to assets | 10.3394% | 3,637 |
| Core capital (leverage) ratio | 9.1951% | 4,750 |
| Tier 1 risk-based capital ratio | 16.7385% | 2,733 |
| Total risk-based capital ratio | 17.9910% | 2,698 |
| Memoranda: | ||
| Average total assets | $276,896,000 | 2,320 |
| Average earning assets | $252,098,670 | 2,339 |
| Average equity | $29,407,000 | 2,302 |
| Average total loans | $131,350,000 | 2,851 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4364% | 5,572 |
| Cost of funding earning assets | 0.2081% | 5,937 |
| Net interest margin | 3.2283% | 4,824 |
| Noninterest income to average assets | 0.7884% | 1,802 |
| Noninterest expense to average assets | 3.2161% | 2,177 |
| Loan and lease loss provision to assets | 0.0145% | 3,638 |
| Net operating income to assets | 0.3724% | 5,219 |
| Return on assets (ROA) | 0.3724% | 5,287 |
| Pretax return on assets | 0.4917% | 5,196 |
| Return on Equity (ROE) | 3.4596% | 5,294 |
| Retained earnings to average equity (ytd only) | 3.4596% | 4,058 |
| Net charge-offs to loans | -0.8282% | 6,610 |
| Credit loss provision to net charge-offs | -3.7594% | 4,648 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4009% | 1,403 |
| Assets per employee ($millions) | 3.3961% | 5,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7996% | 2,040 |
| Loan loss allowance to noncurrent loans | 106.7669% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 1.9193% | 1,791 |
| Noncurrent loans to loans | 1.6855% | 2,303 |
| Net loans and leases to total assets | 44.5199% | 5,464 |
| Net loans and leases to deposits | 50.3464% | 5,572 |
| Net loans and leases to core deposits | 51.8402% | 5,629 |
| Total domestic deposits to total assets | 88.4272% | 1,977 |
| Equity capital to assets | 10.6812% | 3,064 |
| Core capital (leverage) ratio | 9.5509% | 4,210 |
| Tier 1 risk-based capital ratio | 17.8723% | 2,347 |
| Total risk-based capital ratio | 19.1263% | 2,322 |
| Memoranda: | ||
| Average total assets | $274,988,000 | 2,338 |
| Average earning assets | $249,913,000 | 2,357 |
| Average equity | $29,598,500 | 2,287 |
| Average total loans | $128,476,500 | 2,903 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4311% | 5,775 |
| Cost of funding earning assets | 0.2941% | 5,644 |
| Net interest margin | 3.1370% | 5,205 |
| Noninterest income to average assets | 0.9857% | 1,429 |
| Noninterest expense to average assets | 3.0948% | 2,748 |
| Loan and lease loss provision to assets | 0.0644% | 3,846 |
| Net operating income to assets | 0.4937% | 4,757 |
| Return on assets (ROA) | 0.4955% | 4,892 |
| Pretax return on assets | 0.6818% | 4,606 |
| Return on Equity (ROE) | 4.8050% | 4,715 |
| Retained earnings to average equity (ytd only) | 4.8050% | 2,730 |
| Net charge-offs to loans | 0.6565% | 991 |
| Credit loss provision to net charge-offs | 22.2222% | 4,408 |
| Earnings coverage of net charge-offs (x) | 2.5679% | 4,149 |
| Efficiency ratio | 79.9832% | 2,151 |
| Assets per employee ($millions) | 3.1941% | 5,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5271% | 3,061 |
| Loan loss allowance to noncurrent loans | 113.7970% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 1.7882% | 2,066 |
| Noncurrent loans to loans | 1.3420% | 2,895 |
| Net loans and leases to total assets | 47.4062% | 5,355 |
| Net loans and leases to deposits | 53.7090% | 5,491 |
| Net loans and leases to core deposits | 55.3555% | 5,590 |
| Total domestic deposits to total assets | 88.2650% | 2,022 |
| Equity capital to assets | 10.8480% | 2,762 |
| Core capital (leverage) ratio | 9.2765% | 4,593 |
| Tier 1 risk-based capital ratio | 17.3338% | 2,479 |
| Total risk-based capital ratio | 18.5848% | 2,452 |
| Memoranda: | ||
| Average total assets | $279,694,800 | 2,272 |
| Average earning assets | $254,350,600 | 2,292 |
| Average equity | $28,844,800 | 2,317 |
| Average total loans | $123,387,600 | 2,977 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3897% | 5,905 |
| Cost of funding earning assets | 0.3007% | 5,732 |
| Net interest margin | 3.0891% | 5,348 |
| Noninterest income to average assets | 0.9872% | 1,488 |
| Noninterest expense to average assets | 3.1148% | 2,606 |
| Loan and lease loss provision to assets | 0.0852% | 3,355 |
| Net operating income to assets | 0.4429% | 5,051 |
| Return on assets (ROA) | 0.4453% | 5,186 |
| Pretax return on assets | 0.6005% | 5,005 |
| Return on Equity (ROE) | 4.3726% | 5,041 |
| Retained earnings to average equity (ytd only) | 4.3726% | 3,563 |
| Net charge-offs to loans | 0.3225% | 1,930 |
| Credit loss provision to net charge-offs | 61.2245% | 3,272 |
| Earnings coverage of net charge-offs (x) | 4.9048% | 3,329 |
| Efficiency ratio | 81.3809% | 1,917 |
| Assets per employee ($millions) | 3.4810% | 4,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9681% | 1,803 |
| Loan loss allowance to noncurrent loans | 120.6532% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 1.8756% | 2,167 |
| Noncurrent loans to loans | 1.6312% | 2,733 |
| Net loans and leases to total assets | 43.3082% | 5,788 |
| Net loans and leases to deposits | 48.6185% | 5,924 |
| Net loans and leases to core deposits | 49.9037% | 6,022 |
| Total domestic deposits to total assets | 89.0776% | 1,517 |
| Equity capital to assets | 10.0530% | 3,824 |
| Core capital (leverage) ratio | 9.0882% | 4,983 |
| Tier 1 risk-based capital ratio | 17.4227% | 2,532 |
| Total risk-based capital ratio | 18.6789% | 2,506 |
| Memoranda: | ||
| Average total assets | $281,744,500 | 2,268 |
| Average earning assets | $256,296,750 | 2,284 |
| Average equity | $28,693,000 | 2,352 |
| Average total loans | $121,559,000 | 3,028 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3547% | 5,995 |
| Cost of funding earning assets | 0.3152% | 5,714 |
| Net interest margin | 3.0395% | 5,467 |
| Noninterest income to average assets | 1.0310% | 1,434 |
| Noninterest expense to average assets | 3.1179% | 2,611 |
| Loan and lease loss provision to assets | 0.0859% | 3,367 |
| Net operating income to assets | 0.4374% | 5,071 |
| Return on assets (ROA) | 0.4374% | 5,235 |
| Pretax return on assets | 0.5885% | 5,057 |
| Return on Equity (ROE) | 4.2764% | 5,101 |
| Retained earnings to average equity (ytd only) | 4.2764% | 3,571 |
| Net charge-offs to loans | 0.4869% | 1,350 |
| Credit loss provision to net charge-offs | 41.2371% | 3,392 |
| Earnings coverage of net charge-offs (x) | 3.2371% | 3,447 |
| Efficiency ratio | 81.5745% | 1,954 |
| Assets per employee ($millions) | 3.3190% | 5,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0310% | 1,785 |
| Loan loss allowance to noncurrent loans | 78.8375% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 2.5251% | 1,674 |
| Noncurrent loans to loans | 2.5762% | 1,782 |
| Net loans and leases to total assets | 42.9874% | 5,824 |
| Net loans and leases to deposits | 48.4347% | 5,955 |
| Net loans and leases to core deposits | 49.9648% | 6,024 |
| Total domestic deposits to total assets | 88.7533% | 1,756 |
| Equity capital to assets | 10.4430% | 3,379 |
| Core capital (leverage) ratio | 9.0188% | 4,951 |
| Tier 1 risk-based capital ratio | 18.0852% | 2,288 |
| Total risk-based capital ratio | 19.3415% | 2,245 |
| Memoranda: | ||
| Average total assets | $279,352,670 | 2,293 |
| Average earning assets | $253,793,670 | 2,317 |
| Average equity | $28,575,670 | 2,380 |
| Average total loans | $119,532,670 | 3,079 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2732% | 6,203 |
| Cost of funding earning assets | 0.3319% | 5,700 |
| Net interest margin | 2.9413% | 5,725 |
| Noninterest income to average assets | 1.1248% | 1,184 |
| Noninterest expense to average assets | 3.2166% | 2,300 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4238% | 5,035 |
| Return on assets (ROA) | 0.4238% | 5,186 |
| Pretax return on assets | 0.5802% | 5,023 |
| Return on Equity (ROE) | 4.1855% | 5,002 |
| Retained earnings to average equity (ytd only) | 4.1855% | 3,710 |
| Net charge-offs to loans | 0.7639% | 799 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.7974% | 3,238 |
| Efficiency ratio | 84.0824% | 1,757 |
| Assets per employee ($millions) | 3.2321% | 5,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0506% | 1,918 |
| Loan loss allowance to noncurrent loans | 108.0144% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 2.2212% | 2,100 |
| Noncurrent loans to loans | 1.8984% | 2,741 |
| Net loans and leases to total assets | 41.2266% | 5,899 |
| Net loans and leases to deposits | 46.3862% | 6,034 |
| Net loans and leases to core deposits | 47.8482% | 6,100 |
| Total domestic deposits to total assets | 88.8768% | 1,751 |
| Equity capital to assets | 10.3346% | 3,752 |
| Core capital (leverage) ratio | 8.8762% | 5,084 |
| Tier 1 risk-based capital ratio | 17.9181% | 2,402 |
| Total risk-based capital ratio | 19.1801% | 2,357 |
| Memoranda: | ||
| Average total assets | $281,291,000 | 2,308 |
| Average earning assets | $255,532,500 | 2,326 |
| Average equity | $28,479,500 | 2,418 |
| Average total loans | $118,861,500 | 3,108 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6932% | 6,063 |
| Cost of funding earning assets | 0.4772% | 5,373 |
| Net interest margin | 3.2161% | 5,532 |
| Noninterest income to average assets | 0.6819% | 2,826 |
| Noninterest expense to average assets | 3.2956% | 2,351 |
| Loan and lease loss provision to assets | 0.1927% | 3,225 |
| Net operating income to assets | 0.1195% | 5,969 |
| Return on assets (ROA) | 0.1397% | 6,070 |
| Pretax return on assets | 0.0843% | 6,178 |
| Return on Equity (ROE) | 1.4999% | 6,017 |
| Retained earnings to average equity (ytd only) | 1.4999% | 5,118 |
| Net charge-offs to loans | 0.5616% | 2,051 |
| Credit loss provision to net charge-offs | 77.7618% | 3,905 |
| Earnings coverage of net charge-offs (x) | 1.0359% | 4,954 |
| Efficiency ratio | 91.3131% | 961 |
| Assets per employee ($millions) | 3.3096% | 5,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1751% | 1,595 |
| Loan loss allowance to noncurrent loans | 100.0381% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 2.2763% | 2,158 |
| Noncurrent loans to loans | 2.1743% | 2,495 |
| Net loans and leases to total assets | 41.4952% | 6,045 |
| Net loans and leases to deposits | 46.4942% | 6,221 |
| Net loans and leases to core deposits | 48.4096% | 6,243 |
| Total domestic deposits to total assets | 89.2482% | 1,410 |
| Equity capital to assets | 9.9194% | 4,280 |
| Core capital (leverage) ratio | 8.8778% | 5,066 |
| Tier 1 risk-based capital ratio | 16.6988% | 2,790 |
| Total risk-based capital ratio | 17.9554% | 2,761 |
| Memoranda: | ||
| Average total assets | $281,286,800 | 2,256 |
| Average earning assets | $251,052,600 | 2,312 |
| Average equity | $26,201,800 | 2,550 |
| Average total loans | $124,100,800 | 3,004 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7511% | 6,128 |
| Cost of funding earning assets | 0.5003% | 5,435 |
| Net interest margin | 3.2508% | 5,542 |
| Noninterest income to average assets | 0.5657% | 3,506 |
| Noninterest expense to average assets | 3.3017% | 2,272 |
| Loan and lease loss provision to assets | 0.7188% | 699 |
| Net operating income to assets | -0.2455% | 6,527 |
| Return on assets (ROA) | -0.2282% | 6,588 |
| Pretax return on assets | -0.5396% | 6,717 |
| Return on Equity (ROE) | -2.4908% | 6,602 |
| Retained earnings to average equity (ytd only) | -2.4908% | 6,446 |
| Net charge-offs to loans | 1.5324% | 555 |
| Credit loss provision to net charge-offs | 105.2925% | 2,787 |
| Earnings coverage of net charge-offs (x) | 0.2228% | 5,214 |
| Efficiency ratio | 94.0812% | 768 |
| Assets per employee ($millions) | 3.4129% | 5,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3704% | 1,402 |
| Loan loss allowance to noncurrent loans | 73.1439% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 3.2165% | 1,600 |
| Noncurrent loans to loans | 3.2407% | 1,701 |
| Net loans and leases to total assets | 40.5629% | 6,237 |
| Net loans and leases to deposits | 45.2331% | 6,440 |
| Net loans and leases to core deposits | 47.1450% | 6,466 |
| Total domestic deposits to total assets | 89.6753% | 1,032 |
| Equity capital to assets | 9.5433% | 5,150 |
| Core capital (leverage) ratio | 8.2846% | 6,039 |
| Tier 1 risk-based capital ratio | 15.9242% | 3,301 |
| Total risk-based capital ratio | 17.1827% | 3,275 |
| Memoranda: | ||
| Average total assets | $280,452,750 | 2,295 |
| Average earning assets | $249,165,000 | 2,355 |
| Average equity | $25,694,000 | 2,618 |
| Average total loans | $124,943,250 | 3,019 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8570% | 6,018 |
| Cost of funding earning assets | 0.5317% | 5,419 |
| Net interest margin | 3.3253% | 5,373 |
| Noninterest income to average assets | 0.3917% | 4,716 |
| Noninterest expense to average assets | 3.3033% | 2,292 |
| Loan and lease loss provision to assets | 0.4408% | 1,471 |
| Net operating income to assets | -0.1554% | 6,496 |
| Return on assets (ROA) | -0.1291% | 6,557 |
| Pretax return on assets | -0.3744% | 6,684 |
| Return on Equity (ROE) | -1.4303% | 6,576 |
| Retained earnings to average equity (ytd only) | -1.4303% | 6,276 |
| Net charge-offs to loans | 0.1376% | 3,816 |
| Credit loss provision to net charge-offs | 702.2989% | 452 |
| Earnings coverage of net charge-offs (x) | 0.4023% | 4,877 |
| Efficiency ratio | 97.6593% | 637 |
| Assets per employee ($millions) | 3.4265% | 5,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6616% | 1,082 |
| Loan loss allowance to noncurrent loans | 46.0050% | 5,329 |
| Noncurrent assets plus other real estate owned to assets | 3.6834% | 1,422 |
| Noncurrent loans to loans | 5.7854% | 782 |
| Net loans and leases to total assets | 41.5004% | 6,230 |
| Net loans and leases to deposits | 46.0736% | 6,433 |
| Net loans and leases to core deposits | 47.8966% | 6,468 |
| Total domestic deposits to total assets | 90.0742% | 884 |
| Equity capital to assets | 9.1808% | 5,482 |
| Core capital (leverage) ratio | 8.2347% | 6,007 |
| Tier 1 risk-based capital ratio | 15.3395% | 3,546 |
| Total risk-based capital ratio | 16.5896% | 3,507 |
| Memoranda: | ||
| Average total assets | $277,237,000 | 2,317 |
| Average earning assets | $244,852,670 | 2,402 |
| Average equity | $25,030,330 | 2,665 |
| Average total loans | $126,414,330 | 3,000 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0677% | 5,555 |
| Cost of funding earning assets | 0.5779% | 5,293 |
| Net interest margin | 3.4898% | 4,758 |
| Noninterest income to average assets | 0.5950% | 3,263 |
| Noninterest expense to average assets | 3.3231% | 2,223 |
| Loan and lease loss provision to assets | 0.1332% | 3,692 |
| Net operating income to assets | 0.1954% | 5,999 |
| Return on assets (ROA) | 0.1954% | 6,147 |
| Pretax return on assets | 0.1687% | 6,256 |
| Return on Equity (ROE) | 2.1840% | 6,012 |
| Retained earnings to average equity (ytd only) | 2.1840% | 5,172 |
| Net charge-offs to loans | 0.0596% | 3,899 |
| Credit loss provision to net charge-offs | 473.6842% | 677 |
| Earnings coverage of net charge-offs (x) | 10.7368% | 1,733 |
| Efficiency ratio | 90.1592% | 1,081 |
| Assets per employee ($millions) | 3.1756% | 5,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2749% | 1,724 |
| Loan loss allowance to noncurrent loans | 38.5093% | 5,697 |
| Noncurrent assets plus other real estate owned to assets | 4.4946% | 1,190 |
| Noncurrent loans to loans | 5.9074% | 856 |
| Net loans and leases to total assets | 45.3894% | 5,858 |
| Net loans and leases to deposits | 50.3299% | 6,115 |
| Net loans and leases to core deposits | 52.5917% | 6,158 |
| Total domestic deposits to total assets | 90.1838% | 986 |
| Equity capital to assets | 8.9744% | 5,532 |
| Core capital (leverage) ratio | 7.8936% | 6,339 |
| Tier 1 risk-based capital ratio | 12.6552% | 5,483 |
| Total risk-based capital ratio | 13.9105% | 5,441 |
| Memoranda: | ||
| Average total assets | $270,230,500 | 2,382 |
| Average earning assets | $234,627,500 | 2,494 |
| Average equity | $24,176,000 | 2,751 |
| Average total loans | $127,534,000 | 2,989 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2299% | 5,977 |
| Cost of funding earning assets | 0.6384% | 5,880 |
| Net interest margin | 3.5915% | 4,767 |
| Noninterest income to average assets | 0.5251% | 3,680 |
| Noninterest expense to average assets | 3.2402% | 2,724 |
| Loan and lease loss provision to assets | 0.2672% | 3,541 |
| Net operating income to assets | 0.2101% | 5,563 |
| Return on assets (ROA) | 0.3099% | 5,370 |
| Pretax return on assets | 0.3282% | 5,478 |
| Return on Equity (ROE) | 3.6776% | 5,001 |
| Retained earnings to average equity (ytd only) | 3.6776% | 3,595 |
| Net charge-offs to loans | 0.9573% | 1,804 |
| Credit loss provision to net charge-offs | 56.1417% | 5,269 |
| Earnings coverage of net charge-offs (x) | 1.0279% | 5,022 |
| Efficiency ratio | 85.4780% | 1,620 |
| Assets per employee ($millions) | 3.1458% | 5,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1442% | 1,908 |
| Loan loss allowance to noncurrent loans | 39.1966% | 5,654 |
| Noncurrent assets plus other real estate owned to assets | 4.4256% | 1,245 |
| Noncurrent loans to loans | 5.4703% | 972 |
| Net loans and leases to total assets | 46.9134% | 5,927 |
| Net loans and leases to deposits | 52.3900% | 6,176 |
| Net loans and leases to core deposits | 54.7950% | 6,246 |
| Total domestic deposits to total assets | 89.5464% | 1,239 |
| Equity capital to assets | 8.9185% | 5,655 |
| Core capital (leverage) ratio | 7.4635% | 6,670 |
| Tier 1 risk-based capital ratio | 14.2731% | 4,131 |
| Total risk-based capital ratio | 15.5318% | 4,087 |
| Memoranda: | ||
| Average total assets | $278,810,800 | 2,275 |
| Average earning assets | $248,754,000 | 2,316 |
| Average equity | $23,493,600 | 2,729 |
| Average total loans | $138,625,800 | 2,815 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2102% | 6,183 |
| Cost of funding earning assets | 0.6475% | 6,047 |
| Net interest margin | 3.5627% | 4,928 |
| Noninterest income to average assets | 0.5729% | 3,359 |
| Noninterest expense to average assets | 3.1823% | 2,875 |
| Loan and lease loss provision to assets | 0.0760% | 5,499 |
| Net operating income to assets | 0.4134% | 4,938 |
| Return on assets (ROA) | 0.5131% | 4,677 |
| Pretax return on assets | 0.6646% | 4,597 |
| Return on Equity (ROE) | 6.1766% | 3,936 |
| Retained earnings to average equity (ytd only) | 6.1766% | 2,445 |
| Net charge-offs to loans | 0.5632% | 2,553 |
| Credit loss provision to net charge-offs | 26.8908% | 5,461 |
| Earnings coverage of net charge-offs (x) | 2.1630% | 4,052 |
| Efficiency ratio | 82.5178% | 1,900 |
| Assets per employee ($millions) | 3.3620% | 5,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1292% | 2,004 |
| Loan loss allowance to noncurrent loans | 42.3427% | 5,485 |
| Noncurrent assets plus other real estate owned to assets | 3.6414% | 1,725 |
| Noncurrent loans to loans | 5.0285% | 1,234 |
| Net loans and leases to total assets | 47.0963% | 6,045 |
| Net loans and leases to deposits | 52.0083% | 6,364 |
| Net loans and leases to core deposits | 54.1597% | 6,452 |
| Total domestic deposits to total assets | 90.5554% | 606 |
| Equity capital to assets | 8.5887% | 6,213 |
| Core capital (leverage) ratio | 7.3076% | 6,853 |
| Tier 1 risk-based capital ratio | 13.9512% | 4,391 |
| Total risk-based capital ratio | 15.2118% | 4,354 |
| Memoranda: | ||
| Average total assets | $280,878,750 | 2,271 |
| Average earning assets | $253,884,500 | 2,287 |
| Average equity | $23,335,000 | 2,746 |
| Average total loans | $140,857,250 | 2,794 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2471% | 6,171 |
| Cost of funding earning assets | 0.6722% | 6,114 |
| Net interest margin | 3.5749% | 4,812 |
| Noninterest income to average assets | 0.4612% | 4,181 |
| Noninterest expense to average assets | 3.1843% | 2,956 |
| Loan and lease loss provision to assets | 0.2865% | 3,091 |
| Net operating income to assets | 0.2550% | 5,543 |
| Return on assets (ROA) | 0.2492% | 5,688 |
| Pretax return on assets | 0.2149% | 5,902 |
| Return on Equity (ROE) | 3.0351% | 5,378 |
| Retained earnings to average equity (ytd only) | 3.0351% | 4,349 |
| Net charge-offs to loans | 0.4635% | 2,725 |
| Credit loss provision to net charge-offs | 121.5805% | 2,507 |
| Earnings coverage of net charge-offs (x) | 2.1520% | 3,764 |
| Efficiency ratio | 84.8467% | 1,720 |
| Assets per employee ($millions) | 3.1235% | 5,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3776% | 1,629 |
| Loan loss allowance to noncurrent loans | 47.4703% | 5,166 |
| Noncurrent assets plus other real estate owned to assets | 3.8537% | 1,678 |
| Noncurrent loans to loans | 5.0086% | 1,303 |
| Net loans and leases to total assets | 50.7196% | 5,728 |
| Net loans and leases to deposits | 55.9044% | 6,143 |
| Net loans and leases to core deposits | 59.2220% | 6,167 |
| Total domestic deposits to total assets | 90.7257% | 624 |
| Equity capital to assets | 8.3740% | 6,337 |
| Core capital (leverage) ratio | 7.2146% | 6,912 |
| Tier 1 risk-based capital ratio | 11.9001% | 5,859 |
| Total risk-based capital ratio | 13.1598% | 5,828 |
| Memoranda: | ||
| Average total assets | $279,247,670 | 2,301 |
| Average earning assets | $252,313,330 | 2,310 |
| Average equity | $22,932,000 | 2,768 |
| Average total loans | $141,971,000 | 2,805 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2077% | 6,265 |
| Cost of funding earning assets | 0.6907% | 6,187 |
| Net interest margin | 3.5169% | 4,931 |
| Noninterest income to average assets | 0.5888% | 3,247 |
| Noninterest expense to average assets | 3.1643% | 3,013 |
| Loan and lease loss provision to assets | 0.4288% | 2,046 |
| Net operating income to assets | 0.2430% | 5,641 |
| Return on assets (ROA) | 0.2287% | 5,750 |
| Pretax return on assets | 0.1615% | 6,026 |
| Return on Equity (ROE) | 2.8121% | 5,462 |
| Retained earnings to average equity (ytd only) | 2.8121% | 4,483 |
| Net charge-offs to loans | 0.3183% | 2,778 |
| Credit loss provision to net charge-offs | 267.8571% | 1,174 |
| Earnings coverage of net charge-offs (x) | 3.7768% | 2,635 |
| Efficiency ratio | 82.5559% | 2,146 |
| Assets per employee ($millions) | 3.1142% | 5,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5399% | 1,405 |
| Loan loss allowance to noncurrent loans | 46.5217% | 5,206 |
| Noncurrent assets plus other real estate owned to assets | 3.7329% | 1,810 |
| Noncurrent loans to loans | 5.4597% | 1,202 |
| Net loans and leases to total assets | 49.7190% | 5,888 |
| Net loans and leases to deposits | 54.7057% | 6,238 |
| Net loans and leases to core deposits | 57.9307% | 6,260 |
| Total domestic deposits to total assets | 90.8846% | 685 |
| Equity capital to assets | 8.3097% | 6,151 |
| Core capital (leverage) ratio | 7.2581% | 6,887 |
| Tier 1 risk-based capital ratio | 11.6532% | 5,978 |
| Total risk-based capital ratio | 12.9137% | 5,958 |
| Memoranda: | ||
| Average total assets | $279,875,000 | 2,306 |
| Average earning assets | $253,060,500 | 2,325 |
| Average equity | $22,758,500 | 2,773 |
| Average total loans | $140,741,000 | 2,869 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3034% | 6,787 |
| Cost of funding earning assets | 0.8683% | 6,306 |
| Net interest margin | 3.4351% | 5,497 |
| Noninterest income to average assets | 0.5898% | 3,539 |
| Noninterest expense to average assets | 3.0829% | 3,530 |
| Loan and lease loss provision to assets | 2.0076% | 656 |
| Net operating income to assets | -0.7178% | 6,530 |
| Return on assets (ROA) | -0.6412% | 6,508 |
| Pretax return on assets | -1.2506% | 6,757 |
| Return on Equity (ROE) | -7.2493% | 6,568 |
| Retained earnings to average equity (ytd only) | -9.4205% | 6,633 |
| Net charge-offs to loans | 3.2809% | 469 |
| Credit loss provision to net charge-offs | 121.8471% | 3,444 |
| Earnings coverage of net charge-offs (x) | 0.3868% | 5,721 |
| Efficiency ratio | 81.4198% | 2,235 |
| Assets per employee ($millions) | 3.4421% | 5,083 |
| Cash dividends to net income (ytd only)* | -29.9509% | 7,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3737% | 1,585 |
| Loan loss allowance to noncurrent loans | 38.0430% | 5,768 |
| Noncurrent assets plus other real estate owned to assets | 4.1460% | 1,619 |
| Noncurrent loans to loans | 6.2396% | 983 |
| Net loans and leases to total assets | 48.4120% | 6,351 |
| Net loans and leases to deposits | 53.4252% | 6,649 |
| Net loans and leases to core deposits | 55.7292% | 6,704 |
| Total domestic deposits to total assets | 90.6163% | 783 |
| Equity capital to assets | 7.9609% | 6,533 |
| Core capital (leverage) ratio | 6.5225% | 7,190 |
| Tier 1 risk-based capital ratio | 11.3394% | 6,047 |
| Total risk-based capital ratio | 12.5976% | 6,036 |
| Memoranda: | ||
| Average total assets | $285,865,200 | 2,240 |
| Average earning assets | $260,517,400 | 2,250 |
| Average equity | $25,285,200 | 2,522 |
| Average total loans | $143,556,400 | 2,876 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3344% | 6,917 |
| Cost of funding earning assets | 0.8947% | 6,413 |
| Net interest margin | 3.4397% | 5,532 |
| Noninterest income to average assets | 0.8100% | 2,187 |
| Noninterest expense to average assets | 3.1245% | 3,219 |
| Loan and lease loss provision to assets | 0.3777% | 3,624 |
| Net operating income to assets | 0.3695% | 4,888 |
| Return on assets (ROA) | 0.4999% | 4,507 |
| Pretax return on assets | 0.6062% | 4,577 |
| Return on Equity (ROE) | 5.5142% | 4,037 |
| Retained earnings to average equity (ytd only) | 3.7190% | 3,848 |
| Net charge-offs to loans | 0.7304% | 2,596 |
| Credit loss provision to net charge-offs | 102.6616% | 4,192 |
| Earnings coverage of net charge-offs (x) | 2.2421% | 4,051 |
| Efficiency ratio | 77.7187% | 2,661 |
| Assets per employee ($millions) | 3.7780% | 4,325 |
| Cash dividends to net income (ytd only)* | 32.5558% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6908% | 3,176 |
| Loan loss allowance to noncurrent loans | 43.0058% | 5,424 |
| Noncurrent assets plus other real estate owned to assets | 2.9328% | 2,473 |
| Noncurrent loans to loans | 3.9315% | 1,924 |
| Net loans and leases to total assets | 42.6405% | 6,936 |
| Net loans and leases to deposits | 47.1131% | 7,124 |
| Net loans and leases to core deposits | 48.2352% | 7,192 |
| Total domestic deposits to total assets | 90.5067% | 637 |
| Equity capital to assets | 8.2019% | 6,611 |
| Core capital (leverage) ratio | 7.8612% | 6,509 |
| Tier 1 risk-based capital ratio | 13.5628% | 4,152 |
| Total risk-based capital ratio | 14.8140% | 4,099 |
| Memoranda: | ||
| Average total assets | $285,907,000 | 2,273 |
| Average earning assets | $260,947,000 | 2,286 |
| Average equity | $25,920,500 | 2,503 |
| Average total loans | $144,026,750 | 2,908 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5262% | 6,649 |
| Cost of funding earning assets | 0.9564% | 6,358 |
| Net interest margin | 3.5698% | 4,949 |
| Noninterest income to average assets | 0.7995% | 2,114 |
| Noninterest expense to average assets | 3.1893% | 2,939 |
| Loan and lease loss provision to assets | 0.3939% | 3,349 |
| Net operating income to assets | 0.4095% | 4,713 |
| Return on assets (ROA) | 0.4596% | 4,667 |
| Pretax return on assets | 0.5216% | 4,838 |
| Return on Equity (ROE) | 4.8873% | 4,345 |
| Retained earnings to average equity (ytd only) | 2.1799% | 4,758 |
| Net charge-offs to loans | 0.8585% | 2,113 |
| Credit loss provision to net charge-offs | 86.4000% | 4,533 |
| Earnings coverage of net charge-offs (x) | 1.8832% | 4,111 |
| Efficiency ratio | 77.3292% | 2,843 |
| Assets per employee ($millions) | 3.1963% | 5,692 |
| Cash dividends to net income (ytd only)* | 55.3968% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5671% | 3,596 |
| Loan loss allowance to noncurrent loans | 39.4077% | 5,723 |
| Noncurrent assets plus other real estate owned to assets | 3.4904% | 2,012 |
| Noncurrent loans to loans | 3.9768% | 1,913 |
| Net loans and leases to total assets | 51.9935% | 6,209 |
| Net loans and leases to deposits | 58.3989% | 6,547 |
| Net loans and leases to core deposits | 60.7575% | 6,652 |
| Total domestic deposits to total assets | 89.0315% | 1,423 |
| Equity capital to assets | 9.5135% | 4,685 |
| Core capital (leverage) ratio | 8.5165% | 5,379 |
| Tier 1 risk-based capital ratio | 13.2085% | 4,281 |
| Total risk-based capital ratio | 14.4591% | 4,236 |
| Memoranda: | ||
| Average total assets | $274,165,670 | 2,374 |
| Average earning assets | $249,482,670 | 2,401 |
| Average equity | $25,781,000 | 2,505 |
| Average total loans | $145,606,670 | 2,909 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5597% | 6,653 |
| Cost of funding earning assets | 0.9801% | 6,464 |
| Net interest margin | 3.5795% | 4,813 |
| Noninterest income to average assets | 0.8075% | 1,982 |
| Noninterest expense to average assets | 3.1154% | 3,209 |
| Loan and lease loss provision to assets | 0.3922% | 3,021 |
| Net operating income to assets | 0.4791% | 4,494 |
| Return on assets (ROA) | 0.5112% | 4,478 |
| Pretax return on assets | 0.5998% | 4,605 |
| Return on Equity (ROE) | 5.4684% | 4,120 |
| Retained earnings to average equity (ytd only) | 5.4684% | 2,887 |
| Net charge-offs to loans | 0.8510% | 1,835 |
| Credit loss provision to net charge-offs | 86.5385% | 3,736 |
| Earnings coverage of net charge-offs (x) | 2.1058% | 3,489 |
| Efficiency ratio | 75.0892% | 3,387 |
| Assets per employee ($millions) | 3.1085% | 5,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5936% | 3,479 |
| Loan loss allowance to noncurrent loans | 36.5492% | 5,934 |
| Noncurrent assets plus other real estate owned to assets | 3.9857% | 1,723 |
| Noncurrent loans to loans | 4.3601% | 1,735 |
| Net loans and leases to total assets | 52.9434% | 6,155 |
| Net loans and leases to deposits | 59.5845% | 6,503 |
| Net loans and leases to core deposits | 62.3756% | 6,572 |
| Total domestic deposits to total assets | 88.8543% | 1,596 |
| Equity capital to assets | 9.6667% | 4,279 |
| Core capital (leverage) ratio | 8.4209% | 5,524 |
| Tier 1 risk-based capital ratio | 13.4799% | 3,995 |
| Total risk-based capital ratio | 14.7309% | 3,964 |
| Memoranda: | ||
| Average total assets | $275,404,500 | 2,426 |
| Average earning assets | $250,983,500 | 2,442 |
| Average equity | $25,748,000 | 2,534 |
| Average total loans | $146,655,500 | 2,952 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7583% | 7,030 |
| Cost of funding earning assets | 1.2451% | 6,487 |
| Net interest margin | 3.5133% | 4,895 |
| Noninterest income to average assets | 0.8253% | 2,283 |
| Noninterest expense to average assets | 3.0474% | 3,956 |
| Loan and lease loss provision to assets | 0.4727% | 3,994 |
| Net operating income to assets | 0.4410% | 3,967 |
| Return on assets (ROA) | 0.7194% | 2,931 |
| Pretax return on assets | 0.8996% | 2,924 |
| Return on Equity (ROE) | 8.0496% | 2,348 |
| Retained earnings to average equity (ytd only) | 3.8101% | 2,533 |
| Net charge-offs to loans | 0.4015% | 4,218 |
| Credit loss provision to net charge-offs | 218.7500% | 1,727 |
| Earnings coverage of net charge-offs (x) | 4.7401% | 2,835 |
| Efficiency ratio | 73.4200% | 4,014 |
| Assets per employee ($millions) | 3.2584% | 5,593 |
| Cash dividends to net income (ytd only)* | 52.6680% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5614% | 3,432 |
| Loan loss allowance to noncurrent loans | 24.8509% | 6,807 |
| Noncurrent assets plus other real estate owned to assets | 3.9827% | 1,660 |
| Noncurrent loans to loans | 6.2829% | 972 |
| Net loans and leases to total assets | 51.9091% | 6,433 |
| Net loans and leases to deposits | 58.4557% | 6,753 |
| Net loans and leases to core deposits | 65.9344% | 6,985 |
| Total domestic deposits to total assets | 88.8009% | 1,572 |
| Equity capital to assets | 9.0497% | 5,063 |
| Core capital (leverage) ratio | 7.9498% | 6,262 |
| Tier 1 risk-based capital ratio | 12.9006% | 4,210 |
| Total risk-based capital ratio | 14.1517% | 4,162 |
| Memoranda: | ||
| Average total assets | $281,354,400 | 2,338 |
| Average earning assets | $259,985,200 | 2,328 |
| Average equity | $25,144,000 | 2,597 |
| Average total loans | $151,426,600 | 2,897 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8320% | 7,043 |
| Cost of funding earning assets | 1.3138% | 6,516 |
| Net interest margin | 3.5182% | 4,793 |
| Noninterest income to average assets | 0.8570% | 2,170 |
| Noninterest expense to average assets | 2.9650% | 4,186 |
| Loan and lease loss provision to assets | 0.2421% | 5,021 |
| Net operating income to assets | 0.7071% | 3,179 |
| Return on assets (ROA) | 0.7953% | 2,897 |
| Pretax return on assets | 1.0189% | 2,845 |
| Return on Equity (ROE) | 8.9272% | 2,286 |
| Retained earnings to average equity (ytd only) | 5.7507% | 2,077 |
| Net charge-offs to loans | 0.2010% | 4,797 |
| Credit loss provision to net charge-offs | 222.7074% | 1,962 |
| Earnings coverage of net charge-offs (x) | 10.5588% | 1,949 |
| Efficiency ratio | 70.6799% | 4,470 |
| Assets per employee ($millions) | 3.5369% | 4,841 |
| Cash dividends to net income (ytd only)* | 35.5822% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3103% | 4,435 |
| Loan loss allowance to noncurrent loans | 21.1792% | 7,026 |
| Noncurrent assets plus other real estate owned to assets | 3.6758% | 1,778 |
| Noncurrent loans to loans | 6.1866% | 946 |
| Net loans and leases to total assets | 46.8747% | 7,047 |
| Net loans and leases to deposits | 52.5164% | 7,280 |
| Net loans and leases to core deposits | 58.4698% | 7,450 |
| Total domestic deposits to total assets | 89.2572% | 1,081 |
| Equity capital to assets | 8.5411% | 6,201 |
| Core capital (leverage) ratio | 7.6879% | 6,745 |
| Tier 1 risk-based capital ratio | 12.4099% | 4,619 |
| Total risk-based capital ratio | 13.4450% | 4,749 |
| Memoranda: | ||
| Average total assets | $280,823,500 | 2,358 |
| Average earning assets | $259,898,500 | 2,338 |
| Average equity | $25,016,500 | 2,639 |
| Average total loans | $151,912,000 | 2,915 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9605% | 6,894 |
| Cost of funding earning assets | 1.4229% | 6,408 |
| Net interest margin | 3.5375% | 4,626 |
| Noninterest income to average assets | 0.9098% | 1,942 |
| Noninterest expense to average assets | 3.0120% | 4,038 |
| Loan and lease loss provision to assets | 0.2857% | 4,294 |
| Net operating income to assets | 0.6976% | 3,263 |
| Return on assets (ROA) | 0.8336% | 2,812 |
| Pretax return on assets | 1.0585% | 2,779 |
| Return on Equity (ROE) | 9.2163% | 2,281 |
| Retained earnings to average equity (ytd only) | 4.3895% | 2,859 |
| Net charge-offs to loans | 0.2060% | 4,232 |
| Credit loss provision to net charge-offs | 245.2830% | 1,896 |
| Earnings coverage of net charge-offs (x) | 10.0629% | 2,039 |
| Efficiency ratio | 70.5707% | 4,665 |
| Assets per employee ($millions) | 3.3089% | 5,295 |
| Cash dividends to net income (ytd only)* | 52.3726% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2310% | 4,740 |
| Loan loss allowance to noncurrent loans | 41.4398% | 5,590 |
| Noncurrent assets plus other real estate owned to assets | 2.1308% | 3,019 |
| Noncurrent loans to loans | 2.9705% | 2,430 |
| Net loans and leases to total assets | 53.8137% | 6,478 |
| Net loans and leases to deposits | 60.7608% | 6,831 |
| Net loans and leases to core deposits | 69.3533% | 7,057 |
| Total domestic deposits to total assets | 88.5665% | 1,498 |
| Equity capital to assets | 9.0624% | 5,225 |
| Core capital (leverage) ratio | 8.0532% | 6,238 |
| Tier 1 risk-based capital ratio | 11.9196% | 4,981 |
| Total risk-based capital ratio | 12.9124% | 5,165 |
| Memoranda: | ||
| Average total assets | $273,039,670 | 2,422 |
| Average earning assets | $252,717,330 | 2,417 |
| Average equity | $24,695,330 | 2,669 |
| Average total loans | $154,391,330 | 2,915 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1196% | 6,594 |
| Cost of funding earning assets | 1.4942% | 6,420 |
| Net interest margin | 3.6254% | 4,213 |
| Noninterest income to average assets | 0.7964% | 2,350 |
| Noninterest expense to average assets | 2.9856% | 3,835 |
| Loan and lease loss provision to assets | 0.3967% | 2,947 |
| Net operating income to assets | 0.6105% | 3,973 |
| Return on assets (ROA) | 0.8786% | 2,945 |
| Pretax return on assets | 1.1152% | 2,934 |
| Return on Equity (ROE) | 9.7242% | 2,431 |
| Retained earnings to average equity (ytd only) | 9.7242% | 1,268 |
| Net charge-offs to loans | 0.1021% | 4,155 |
| Credit loss provision to net charge-offs | 675.0000% | 863 |
| Earnings coverage of net charge-offs (x) | 19.9500% | 1,397 |
| Efficiency ratio | 70.3534% | 4,506 |
| Assets per employee ($millions) | 3.2470% | 5,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 4,828 |
| Loan loss allowance to noncurrent loans | 67.0306% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 1.2263% | 4,234 |
| Noncurrent loans to loans | 1.7850% | 3,581 |
| Net loans and leases to total assets | 56.4391% | 6,175 |
| Net loans and leases to deposits | 63.8701% | 6,574 |
| Net loans and leases to core deposits | 73.8201% | 6,812 |
| Total domestic deposits to total assets | 88.3655% | 1,537 |
| Equity capital to assets | 9.1929% | 5,095 |
| Core capital (leverage) ratio | 8.1422% | 6,202 |
| Tier 1 risk-based capital ratio | 12.2183% | 4,775 |
| Total risk-based capital ratio | 13.2352% | 4,865 |
| Memoranda: | ||
| Average total assets | $272,239,500 | 2,443 |
| Average earning assets | $252,440,500 | 2,430 |
| Average equity | $24,598,500 | 2,696 |
| Average total loans | $156,769,000 | 2,895 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6461% | 6,943 |
| Cost of funding earning assets | 1.9432% | 6,604 |
| Net interest margin | 3.7028% | 4,461 |
| Noninterest income to average assets | 0.6080% | 3,787 |
| Noninterest expense to average assets | 2.7187% | 5,181 |
| Loan and lease loss provision to assets | 0.0613% | 6,639 |
| Net operating income to assets | 0.9185% | 2,926 |
| Return on assets (ROA) | 0.7295% | 3,592 |
| Pretax return on assets | 0.8965% | 3,736 |
| Return on Equity (ROE) | 8.1517% | 3,006 |
| Retained earnings to average equity (ytd only) | -0.9147% | 5,572 |
| Net charge-offs to loans | 0.0902% | 5,453 |
| Credit loss provision to net charge-offs | 116.4384% | 4,630 |
| Earnings coverage of net charge-offs (x) | 22.6233% | 1,462 |
| Efficiency ratio | 67.8749% | 4,746 |
| Assets per employee ($millions) | 3.1607% | 5,591 |
| Cash dividends to net income (ytd only)* | 111.2210% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0101% | 5,938 |
| Loan loss allowance to noncurrent loans | 52.6281% | 5,369 |
| Noncurrent assets plus other real estate owned to assets | 1.2266% | 3,772 |
| Noncurrent loans to loans | 1.9193% | 2,867 |
| Net loans and leases to total assets | 57.4519% | 6,277 |
| Net loans and leases to deposits | 65.2640% | 6,695 |
| Net loans and leases to core deposits | 74.8029% | 6,920 |
| Total domestic deposits to total assets | 88.0300% | 1,460 |
| Equity capital to assets | 8.8814% | 5,527 |
| Core capital (leverage) ratio | 8.0660% | 6,383 |
| Tier 1 risk-based capital ratio | 12.1204% | 4,726 |
| Total risk-based capital ratio | 13.0294% | 4,909 |
| Memoranda: | ||
| Average total assets | $277,306,200 | 2,326 |
| Average earning assets | $247,270,200 | 2,389 |
| Average equity | $24,817,000 | 2,653 |
| Average total loans | $161,872,000 | 2,749 |