Home > Dearborn Federal Savings Bank > Performance and Condition Ratios
Dearborn Federal Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2272% | 4,478 |
| Cost of funding earning assets | 0.6504% | 3,997 |
| Net interest margin | 2.5767% | 4,001 |
| Noninterest income to average assets | 0.0200% | 4,491 |
| Noninterest expense to average assets | 2.5156% | 2,254 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | -0.0940% | 4,427 |
| Return on assets (ROA) | -0.0940% | 4,409 |
| Pretax return on assets | -0.1163% | 4,406 |
| Return on Equity (ROE) | -0.3200% | 4,362 |
| Retained earnings to average equity (ytd only) | -0.3214% | 4,126 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 100.5646% | 181 |
| Assets per employee ($millions) | 6.5601% | 2,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8185% | 3,922 |
| Loan loss allowance to noncurrent loans | 1,957.8313% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.0309% | 3,455 |
| Noncurrent loans to loans | 0.0418% | 3,425 |
| Net loans and leases to total assets | 73.2100% | 1,448 |
| Net loans and leases to deposits | 117.3333% | 102 |
| Net loans and leases to core deposits | 125.1005% | 506 |
| Total domestic deposits to total assets | 62.3900% | 4,421 |
| Equity capital to assets | 29.2097% | 159 |
| Core capital (leverage) ratio | 29.5076% | 119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.2639% | 98 |
| Memoranda: | ||
| Average total assets | $269,083,600 | 2,580 |
| Average earning assets | $259,514,000 | 2,524 |
| Average equity | $78,708,000 | 1,142 |
| Average total loans | $193,871,200 | 2,333 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1713% | 4,494 |
| Cost of funding earning assets | 0.5574% | 4,047 |
| Net interest margin | 2.6139% | 4,009 |
| Noninterest income to average assets | 0.0100% | 4,534 |
| Noninterest expense to average assets | 2.4396% | 2,412 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | -0.0708% | 4,463 |
| Return on assets (ROA) | -0.0708% | 4,449 |
| Pretax return on assets | -0.0783% | 4,437 |
| Return on Equity (ROE) | -0.2400% | 4,394 |
| Retained earnings to average equity (ytd only) | -0.2421% | 4,177 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 96.2471% | 229 |
| Assets per employee ($millions) | 6.5157% | 2,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8974% | 3,741 |
| Loan loss allowance to noncurrent loans | 555.5556% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.1179% | 2,780 |
| Noncurrent loans to loans | 0.1615% | 2,743 |
| Net loans and leases to total assets | 72.3400% | 1,534 |
| Net loans and leases to deposits | 112.2295% | 158 |
| Net loans and leases to core deposits | 119.0021% | 578 |
| Total domestic deposits to total assets | 64.4600% | 4,424 |
| Equity capital to assets | 29.4497% | 164 |
| Core capital (leverage) ratio | 29.6712% | 124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 55.1844% | 97 |
| Memoranda: | ||
| Average total assets | $269,113,250 | 2,586 |
| Average earning assets | $259,529,500 | 2,527 |
| Average equity | $78,744,000 | 1,140 |
| Average total loans | $192,708,500 | 2,339 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1269% | 4,518 |
| Cost of funding earning assets | 0.4806% | 4,020 |
| Net interest margin | 2.6463% | 4,049 |
| Noninterest income to average assets | 0.0300% | 4,529 |
| Noninterest expense to average assets | 2.4717% | 2,288 |
| Loan and lease loss provision to assets | 0.1900% | 566 |
| Net operating income to assets | -0.0608% | 4,498 |
| Return on assets (ROA) | -0.0608% | 4,489 |
| Pretax return on assets | -0.0771% | 4,481 |
| Return on Equity (ROE) | -0.2100% | 4,449 |
| Retained earnings to average equity (ytd only) | -0.2082% | 4,130 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 95.8046% | 229 |
| Assets per employee ($millions) | 6.2202% | 2,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8571% | 3,883 |
| Loan loss allowance to noncurrent loans | 515.6250% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.1196% | 2,701 |
| Noncurrent loans to loans | 0.1662% | 2,648 |
| Net loans and leases to total assets | 71.3600% | 1,600 |
| Net loans and leases to deposits | 105.8899% | 315 |
| Net loans and leases to core deposits | 112.2748% | 742 |
| Total domestic deposits to total assets | 67.3900% | 4,420 |
| Equity capital to assets | 29.4373% | 159 |
| Core capital (leverage) ratio | 29.4295% | 123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.4462% | 95 |
| Memoranda: | ||
| Average total assets | $269,769,667 | 2,591 |
| Average earning assets | $260,066,000 | 2,529 |
| Average equity | $78,767,667 | 1,135 |
| Average total loans | $191,942,333 | 2,343 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0786% | 4,538 |
| Cost of funding earning assets | 0.4306% | 3,879 |
| Net interest margin | 2.6480% | 4,150 |
| Noninterest income to average assets | 0.0300% | 4,580 |
| Noninterest expense to average assets | 2.4066% | 2,510 |
| Loan and lease loss provision to assets | -0.0700% | 4,549 |
| Net operating income to assets | 0.1934% | 4,361 |
| Return on assets (ROA) | 0.1934% | 4,328 |
| Pretax return on assets | 0.2466% | 4,297 |
| Return on Equity (ROE) | 0.6700% | 4,400 |
| Retained earnings to average equity (ytd only) | 0.6651% | 3,917 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 93.3028% | 275 |
| Assets per employee ($millions) | 6.4307% | 2,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7044% | 4,241 |
| Loan loss allowance to noncurrent loans | 415.3846% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.1203% | 2,667 |
| Noncurrent loans to loans | 0.1696% | 2,639 |
| Net loans and leases to total assets | 70.4600% | 1,577 |
| Net loans and leases to deposits | 101.0739% | 391 |
| Net loans and leases to core deposits | 106.6828% | 805 |
| Total domestic deposits to total assets | 69.7100% | 4,423 |
| Equity capital to assets | 29.2301% | 124 |
| Core capital (leverage) ratio | 29.2250% | 128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.8420% | 92 |
| Memoranda: | ||
| Average total assets | $270,919,500 | 2,609 |
| Average earning assets | $261,024,500 | 2,554 |
| Average equity | $78,783,500 | 1,144 |
| Average total loans | $191,660,500 | 2,364 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7605% | 4,361 |
| Cost of funding earning assets | 0.2816% | 3,024 |
| Net interest margin | 2.4789% | 4,305 |
| Noninterest income to average assets | 0.0400% | 4,598 |
| Noninterest expense to average assets | 2.1170% | 3,244 |
| Loan and lease loss provision to assets | -0.0600% | 4,444 |
| Net operating income to assets | 0.3163% | 4,349 |
| Return on assets (ROA) | 0.3163% | 4,319 |
| Pretax return on assets | 0.3770% | 4,303 |
| Return on Equity (ROE) | 1.1100% | 4,476 |
| Retained earnings to average equity (ytd only) | 1.1107% | 4,174 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 87.0546% | 387 |
| Assets per employee ($millions) | 6.6280% | 2,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8609% | 3,891 |
| Loan loss allowance to noncurrent loans | 320.3883% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.1895% | 2,230 |
| Noncurrent loans to loans | 0.2687% | 2,190 |
| Net loans and leases to total assets | 69.9200% | 1,647 |
| Net loans and leases to deposits | 103.9151% | 305 |
| Net loans and leases to core deposits | 109.7375% | 620 |
| Total domestic deposits to total assets | 67.2900% | 4,513 |
| Equity capital to assets | 28.9308% | 120 |
| Core capital (leverage) ratio | 29.1486% | 130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.1480% | 93 |
| Memoranda: | ||
| Average total assets | $273,496,200 | 2,586 |
| Average earning assets | $263,827,600 | 2,532 |
| Average equity | $77,880,400 | 1,153 |
| Average total loans | $187,809,800 | 2,321 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6648% | 4,323 |
| Cost of funding earning assets | 0.2672% | 2,516 |
| Net interest margin | 2.3976% | 4,328 |
| Noninterest income to average assets | 0.0400% | 4,631 |
| Noninterest expense to average assets | 2.3635% | 2,432 |
| Loan and lease loss provision to assets | -0.0400% | 4,466 |
| Net operating income to assets | -0.0565% | 4,616 |
| Return on assets (ROA) | -0.0565% | 4,591 |
| Pretax return on assets | 0.0292% | 4,547 |
| Return on Equity (ROE) | -0.2000% | 4,567 |
| Retained earnings to average equity (ytd only) | -0.1991% | 4,367 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 100.3099% | 153 |
| Assets per employee ($millions) | 6.5863% | 2,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9222% | 3,792 |
| Loan loss allowance to noncurrent loans | 274.8031% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 0.2352% | 2,052 |
| Noncurrent loans to loans | 0.3356% | 2,026 |
| Net loans and leases to total assets | 69.4200% | 1,535 |
| Net loans and leases to deposits | 99.2651% | 395 |
| Net loans and leases to core deposits | 104.3691% | 637 |
| Total domestic deposits to total assets | 69.9400% | 4,537 |
| Equity capital to assets | 28.7507% | 116 |
| Core capital (leverage) ratio | 28.4163% | 125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.9626% | 96 |
| Memoranda: | ||
| Average total assets | $273,933,250 | 2,602 |
| Average earning assets | $264,425,750 | 2,545 |
| Average equity | $77,695,750 | 1,171 |
| Average total loans | $186,845,500 | 2,334 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5460% | 4,337 |
| Cost of funding earning assets | 0.2680% | 2,050 |
| Net interest margin | 2.2780% | 4,351 |
| Noninterest income to average assets | 0.0407% | 4,658 |
| Noninterest expense to average assets | 2.3195% | 2,495 |
| Loan and lease loss provision to assets | -0.0363% | 4,481 |
| Net operating income to assets | -0.0363% | 4,591 |
| Return on assets (ROA) | -0.0363% | 4,560 |
| Pretax return on assets | -0.0436% | 4,553 |
| Return on Equity (ROE) | -0.1287% | 4,552 |
| Retained earnings to average equity (ytd only) | -0.1287% | 4,194 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.5691% | 152 |
| Assets per employee ($millions) | 6.5328% | 2,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9490% | 3,796 |
| Loan loss allowance to noncurrent loans | 331.4607% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.1946% | 2,365 |
| Noncurrent loans to loans | 0.2863% | 2,319 |
| Net loans and leases to total assets | 67.3335% | 1,542 |
| Net loans and leases to deposits | 96.6756% | 399 |
| Net loans and leases to core deposits | 102.0877% | 585 |
| Total domestic deposits to total assets | 69.6489% | 4,622 |
| Equity capital to assets | 28.3203% | 68 |
| Core capital (leverage) ratio | 28.0778% | 80 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 55.1531% | 59 |
| Memoranda: | ||
| Average total assets | $275,231,333 | 2,613 |
| Average earning assets | $265,674,667 | 2,566 |
| Average equity | $77,715,000 | 1,200 |
| Average total loans | $186,054,333 | 2,341 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4956% | 4,273 |
| Cost of funding earning assets | 0.2676% | 1,949 |
| Net interest margin | 2.2280% | 4,315 |
| Noninterest income to average assets | 0.0421% | 4,675 |
| Noninterest expense to average assets | 2.3507% | 2,336 |
| Loan and lease loss provision to assets | -0.0363% | 4,493 |
| Net operating income to assets | -0.0972% | 4,593 |
| Return on assets (ROA) | -0.0972% | 4,575 |
| Pretax return on assets | -0.1219% | 4,588 |
| Return on Equity (ROE) | -0.3448% | 4,548 |
| Retained earnings to average equity (ytd only) | -0.3448% | 4,062 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.2138% | 155 |
| Assets per employee ($millions) | 6.4867% | 2,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9673% | 3,848 |
| Loan loss allowance to noncurrent loans | 263.5830% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.2441% | 2,177 |
| Noncurrent loans to loans | 0.3670% | 2,172 |
| Net loans and leases to total assets | 65.8877% | 1,423 |
| Net loans and leases to deposits | 95.7327% | 286 |
| Net loans and leases to core deposits | 100.8949% | 486 |
| Total domestic deposits to total assets | 68.8247% | 4,668 |
| Equity capital to assets | 27.8519% | 67 |
| Core capital (leverage) ratio | 28.3313% | 70 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 55.0872% | 62 |
| Memoranda: | ||
| Average total assets | $275,659,000 | 2,626 |
| Average earning assets | $266,071,000 | 2,575 |
| Average equity | $77,720,500 | 1,222 |
| Average total loans | $185,823,000 | 2,330 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6094% | 4,398 |
| Cost of funding earning assets | 0.3396% | 2,026 |
| Net interest margin | 2.2698% | 4,437 |
| Noninterest income to average assets | 0.0410% | 4,739 |
| Noninterest expense to average assets | 2.3295% | 2,711 |
| Loan and lease loss provision to assets | -0.1015% | 4,531 |
| Net operating income to assets | 0.0018% | 4,679 |
| Return on assets (ROA) | 0.0018% | 4,690 |
| Pretax return on assets | 0.0029% | 4,688 |
| Return on Equity (ROE) | 0.0064% | 4,690 |
| Retained earnings to average equity (ytd only) | 0.0064% | 4,486 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.4192% | 117 |
| Assets per employee ($millions) | 6.9843% | 1,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9781% | 3,835 |
| Loan loss allowance to noncurrent loans | 280.0000% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.2386% | 2,363 |
| Noncurrent loans to loans | 0.3493% | 2,330 |
| Net loans and leases to total assets | 67.6426% | 1,312 |
| Net loans and leases to deposits | 99.7412% | 199 |
| Net loans and leases to core deposits | 105.4870% | 383 |
| Total domestic deposits to total assets | 67.8181% | 4,710 |
| Equity capital to assets | 28.5452% | 67 |
| Core capital (leverage) ratio | 28.3586% | 67 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 55.5063% | 60 |
| Memoranda: | ||
| Average total assets | $275,899,200 | 2,567 |
| Average earning assets | $266,187,800 | 2,516 |
| Average equity | $77,737,800 | 1,237 |
| Average total loans | $186,179,400 | 2,334 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7819% | 4,319 |
| Cost of funding earning assets | 0.3535% | 2,084 |
| Net interest margin | 2.4284% | 4,365 |
| Noninterest income to average assets | 0.0337% | 4,829 |
| Noninterest expense to average assets | 2.4905% | 2,150 |
| Loan and lease loss provision to assets | -0.0867% | 4,571 |
| Net operating income to assets | -0.0207% | 4,749 |
| Return on assets (ROA) | -0.0207% | 4,761 |
| Pretax return on assets | -0.0270% | 4,760 |
| Return on Equity (ROE) | -0.0738% | 4,758 |
| Retained earnings to average equity (ytd only) | -0.0738% | 4,572 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.7831% | 127 |
| Assets per employee ($millions) | 6.6856% | 2,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0357% | 3,724 |
| Loan loss allowance to noncurrent loans | 193.1590% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 0.3626% | 1,989 |
| Noncurrent loans to loans | 0.5362% | 1,974 |
| Net loans and leases to total assets | 66.9269% | 1,438 |
| Net loans and leases to deposits | 98.7857% | 254 |
| Net loans and leases to core deposits | 104.8207% | 435 |
| Total domestic deposits to total assets | 67.7496% | 4,779 |
| Equity capital to assets | 28.3484% | 75 |
| Core capital (leverage) ratio | 27.7637% | 77 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 55.5174% | 62 |
| Memoranda: | ||
| Average total assets | $276,776,750 | 2,576 |
| Average earning assets | $267,054,000 | 2,528 |
| Average equity | $77,733,750 | 1,252 |
| Average total loans | $186,206,500 | 2,374 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6062% | 4,544 |
| Cost of funding earning assets | 0.3659% | 2,175 |
| Net interest margin | 2.2402% | 4,566 |
| Noninterest income to average assets | 0.0324% | 4,865 |
| Noninterest expense to average assets | 2.2315% | 2,976 |
| Loan and lease loss provision to assets | -0.0864% | 4,596 |
| Net operating income to assets | 0.0022% | 4,771 |
| Return on assets (ROA) | 0.0022% | 4,781 |
| Pretax return on assets | 0.0483% | 4,761 |
| Return on Equity (ROE) | 0.0077% | 4,783 |
| Retained earnings to average equity (ytd only) | 0.0077% | 4,511 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.7406% | 154 |
| Assets per employee ($millions) | 6.7541% | 1,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0459% | 3,649 |
| Loan loss allowance to noncurrent loans | 173.8367% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 0.4015% | 2,002 |
| Noncurrent loans to loans | 0.6017% | 1,901 |
| Net loans and leases to total assets | 66.0343% | 1,695 |
| Net loans and leases to deposits | 97.6872% | 322 |
| Net loans and leases to core deposits | 103.7801% | 540 |
| Total domestic deposits to total assets | 67.5977% | 4,800 |
| Equity capital to assets | 27.4089% | 74 |
| Core capital (leverage) ratio | 27.5884% | 74 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 55.7571% | 65 |
| Memoranda: | ||
| Average total assets | $277,665,333 | 2,566 |
| Average earning assets | $267,827,667 | 2,518 |
| Average equity | $77,743,000 | 1,247 |
| Average total loans | $186,484,000 | 2,376 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6474% | 4,530 |
| Cost of funding earning assets | 0.3780% | 2,283 |
| Net interest margin | 2.2694% | 4,552 |
| Noninterest income to average assets | 0.0320% | 4,887 |
| Noninterest expense to average assets | 2.3010% | 2,789 |
| Loan and lease loss provision to assets | -0.0874% | 4,707 |
| Net operating income to assets | -0.0306% | 4,782 |
| Return on assets (ROA) | -0.0306% | 4,789 |
| Pretax return on assets | 0.0044% | 4,782 |
| Return on Equity (ROE) | -0.1081% | 4,787 |
| Retained earnings to average equity (ytd only) | -0.1081% | 4,376 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.7426% | 151 |
| Assets per employee ($millions) | 6.3533% | 2,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1016% | 3,421 |
| Loan loss allowance to noncurrent loans | 199.2188% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.3663% | 2,331 |
| Noncurrent loans to loans | 0.5530% | 2,201 |
| Net loans and leases to total assets | 65.5137% | 1,862 |
| Net loans and leases to deposits | 97.5711% | 358 |
| Net loans and leases to core deposits | 103.7861% | 581 |
| Total domestic deposits to total assets | 67.1446% | 4,819 |
| Equity capital to assets | 27.8051% | 73 |
| Core capital (leverage) ratio | 28.4185% | 73 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.2783% | 62 |
| Memoranda: | ||
| Average total assets | $274,661,000 | 2,572 |
| Average earning assets | $264,563,500 | 2,525 |
| Average equity | $77,738,500 | 1,241 |
| Average total loans | $185,075,000 | 2,398 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1433% | 4,514 |
| Cost of funding earning assets | 0.4581% | 3,234 |
| Net interest margin | 2.6852% | 4,396 |
| Noninterest income to average assets | 0.0884% | 4,775 |
| Noninterest expense to average assets | 2.5487% | 2,699 |
| Loan and lease loss provision to assets | -0.1099% | 4,959 |
| Net operating income to assets | 0.2036% | 4,570 |
| Return on assets (ROA) | 0.2036% | 4,626 |
| Pretax return on assets | 0.2394% | 4,618 |
| Return on Equity (ROE) | 0.6979% | 4,705 |
| Retained earnings to average equity (ytd only) | 0.6979% | 4,317 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1658% | 247 |
| Assets per employee ($millions) | 6.1313% | 2,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1353% | 3,283 |
| Loan loss allowance to noncurrent loans | 160.9195% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 0.4837% | 2,108 |
| Noncurrent loans to loans | 0.7055% | 1,934 |
| Net loans and leases to total assets | 67.7855% | 1,851 |
| Net loans and leases to deposits | 103.0451% | 283 |
| Net loans and leases to core deposits | 109.9118% | 511 |
| Total domestic deposits to total assets | 65.7824% | 4,851 |
| Equity capital to assets | 28.8198% | 71 |
| Core capital (leverage) ratio | 28.7460% | 69 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 59.0772% | 55 |
| Memoranda: | ||
| Average total assets | $265,699,600 | 2,486 |
| Average earning assets | $256,259,800 | 2,432 |
| Average equity | $77,515,600 | 1,186 |
| Average total loans | $195,108,600 | 2,286 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2475% | 4,536 |
| Cost of funding earning assets | 0.4701% | 3,419 |
| Net interest margin | 2.7775% | 4,370 |
| Noninterest income to average assets | 0.0312% | 4,927 |
| Noninterest expense to average assets | 2.4109% | 3,099 |
| Loan and lease loss provision to assets | -0.0302% | 4,975 |
| Net operating income to assets | 0.1980% | 4,599 |
| Return on assets (ROA) | 0.1980% | 4,640 |
| Pretax return on assets | 0.3294% | 4,517 |
| Return on Equity (ROE) | 0.6765% | 4,738 |
| Retained earnings to average equity (ytd only) | 0.6765% | 4,342 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9591% | 389 |
| Assets per employee ($millions) | 6.1053% | 2,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2305% | 2,497 |
| Loan loss allowance to noncurrent loans | 215.1292% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 0.4035% | 2,562 |
| Noncurrent loans to loans | 0.5720% | 2,369 |
| Net loans and leases to total assets | 69.6803% | 2,004 |
| Net loans and leases to deposits | 106.8963% | 300 |
| Net loans and leases to core deposits | 113.9794% | 557 |
| Total domestic deposits to total assets | 65.1850% | 4,867 |
| Equity capital to assets | 28.8873% | 68 |
| Core capital (leverage) ratio | 28.6381% | 69 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 59.6847% | 62 |
| Memoranda: | ||
| Average total assets | $264,680,500 | 2,475 |
| Average earning assets | $255,285,000 | 2,414 |
| Average equity | $77,457,250 | 1,178 |
| Average total loans | $197,643,500 | 2,254 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3380% | 4,604 |
| Cost of funding earning assets | 0.4803% | 3,654 |
| Net interest margin | 2.8577% | 4,374 |
| Noninterest income to average assets | 0.0319% | 4,953 |
| Noninterest expense to average assets | 2.3944% | 3,275 |
| Loan and lease loss provision to assets | -0.0456% | 5,019 |
| Net operating income to assets | 0.2802% | 4,454 |
| Return on assets (ROA) | 0.2802% | 4,495 |
| Pretax return on assets | 0.4389% | 4,354 |
| Return on Equity (ROE) | 0.9534% | 4,694 |
| Retained earnings to average equity (ytd only) | 0.9534% | 4,110 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8894% | 540 |
| Assets per employee ($millions) | 6.0261% | 2,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1742% | 2,643 |
| Loan loss allowance to noncurrent loans | 243.6782% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.3529% | 2,883 |
| Noncurrent loans to loans | 0.4819% | 2,702 |
| Net loans and leases to total assets | 72.3766% | 1,639 |
| Net loans and leases to deposits | 112.2603% | 191 |
| Net loans and leases to core deposits | 118.7948% | 459 |
| Total domestic deposits to total assets | 64.4722% | 4,909 |
| Equity capital to assets | 28.6076% | 70 |
| Core capital (leverage) ratio | 28.9456% | 67 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 58.3328% | 58 |
| Memoranda: | ||
| Average total assets | $263,362,667 | 2,457 |
| Average earning assets | $253,984,667 | 2,389 |
| Average equity | $77,409,333 | 1,171 |
| Average total loans | $200,352,333 | 2,216 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4737% | 4,655 |
| Cost of funding earning assets | 0.4846% | 4,012 |
| Net interest margin | 2.9891% | 4,297 |
| Noninterest income to average assets | 0.0355% | 4,996 |
| Noninterest expense to average assets | 2.4698% | 3,360 |
| Loan and lease loss provision to assets | -0.0925% | 5,069 |
| Net operating income to assets | 0.3623% | 4,212 |
| Return on assets (ROA) | 0.3623% | 4,249 |
| Pretax return on assets | 0.5396% | 4,056 |
| Return on Equity (ROE) | 1.2156% | 4,594 |
| Retained earnings to average equity (ytd only) | 1.2156% | 3,689 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6723% | 788 |
| Assets per employee ($millions) | 5.8471% | 1,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1670% | 2,839 |
| Loan loss allowance to noncurrent loans | 319.4521% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.2774% | 3,339 |
| Noncurrent loans to loans | 0.3653% | 3,181 |
| Net loans and leases to total assets | 75.0624% | 1,451 |
| Net loans and leases to deposits | 118.2587% | 93 |
| Net loans and leases to core deposits | 125.4550% | 341 |
| Total domestic deposits to total assets | 63.4731% | 4,999 |
| Equity capital to assets | 29.4325% | 71 |
| Core capital (leverage) ratio | 29.9854% | 68 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 59.6405% | 61 |
| Memoranda: | ||
| Average total assets | $259,456,000 | 2,437 |
| Average earning assets | $250,106,500 | 2,370 |
| Average equity | $77,325,500 | 1,172 |
| Average total loans | $201,228,500 | 2,174 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5524% | 4,819 |
| Cost of funding earning assets | 0.5049% | 4,075 |
| Net interest margin | 3.0474% | 4,452 |
| Noninterest income to average assets | 0.0377% | 5,058 |
| Noninterest expense to average assets | 2.3300% | 3,872 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.4572% | 4,492 |
| Return on assets (ROA) | 0.4572% | 4,526 |
| Pretax return on assets | 0.6489% | 4,326 |
| Return on Equity (ROE) | 1.5657% | 4,851 |
| Retained earnings to average equity (ytd only) | 1.5657% | 4,178 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2169% | 1,124 |
| Assets per employee ($millions) | 5.9486% | 1,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1805% | 2,548 |
| Loan loss allowance to noncurrent loans | 178.7743% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.5231% | 2,323 |
| Noncurrent loans to loans | 0.6603% | 2,237 |
| Net loans and leases to total assets | 78.2780% | 1,033 |
| Net loans and leases to deposits | 122.2826% | 72 |
| Net loans and leases to core deposits | 129.5873% | 282 |
| Total domestic deposits to total assets | 64.0140% | 5,050 |
| Equity capital to assets | 30.1840% | 70 |
| Core capital (leverage) ratio | 30.1157% | 68 |
| Tier 1 risk-based capital ratio | 58.9955% | 95 |
| Total risk-based capital ratio | 60.2525% | 94 |
| Memoranda: | ||
| Average total assets | $262,449,600 | 2,383 |
| Average earning assets | $253,294,000 | 2,313 |
| Average equity | $76,642,800 | 1,122 |
| Average total loans | $202,261,000 | 2,153 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5575% | 4,920 |
| Cost of funding earning assets | 0.5013% | 4,136 |
| Net interest margin | 3.0561% | 4,549 |
| Noninterest income to average assets | 0.0374% | 5,139 |
| Noninterest expense to average assets | 2.2868% | 3,986 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4983% | 4,519 |
| Return on assets (ROA) | 0.4983% | 4,567 |
| Pretax return on assets | 0.7017% | 4,340 |
| Return on Equity (ROE) | 1.7202% | 4,933 |
| Retained earnings to average equity (ytd only) | 1.7202% | 4,358 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5203% | 1,269 |
| Assets per employee ($millions) | 6.0733% | 1,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1884% | 2,566 |
| Loan loss allowance to noncurrent loans | 344.1727% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.2725% | 3,463 |
| Noncurrent loans to loans | 0.3453% | 3,297 |
| Net loans and leases to total assets | 77.9690% | 1,148 |
| Net loans and leases to deposits | 123.3447% | 74 |
| Net loans and leases to core deposits | 130.0598% | 291 |
| Total domestic deposits to total assets | 63.2123% | 5,136 |
| Equity capital to assets | 30.1850% | 71 |
| Core capital (leverage) ratio | 29.4810% | 73 |
| Tier 1 risk-based capital ratio | 59.6098% | 96 |
| Total risk-based capital ratio | 60.8671% | 95 |
| Memoranda: | ||
| Average total assets | $264,114,250 | 2,383 |
| Average earning assets | $255,044,000 | 2,318 |
| Average equity | $76,501,500 | 1,124 |
| Average total loans | $202,171,250 | 2,166 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5296% | 4,988 |
| Cost of funding earning assets | 0.4937% | 4,142 |
| Net interest margin | 3.0359% | 4,625 |
| Noninterest income to average assets | 0.0367% | 5,191 |
| Noninterest expense to average assets | 2.2821% | 4,048 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4882% | 4,553 |
| Return on assets (ROA) | 0.4882% | 4,586 |
| Pretax return on assets | 0.6873% | 4,360 |
| Return on Equity (ROE) | 1.7082% | 4,977 |
| Retained earnings to average equity (ytd only) | 1.7082% | 4,206 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8533% | 1,288 |
| Assets per employee ($millions) | 6.3274% | 1,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1855% | 2,603 |
| Loan loss allowance to noncurrent loans | 311.8644% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.2886% | 3,398 |
| Noncurrent loans to loans | 0.3801% | 3,165 |
| Net loans and leases to total assets | 75.0275% | 1,719 |
| Net loans and leases to deposits | 117.6956% | 109 |
| Net loans and leases to core deposits | 123.7099% | 438 |
| Total domestic deposits to total assets | 63.7470% | 5,173 |
| Equity capital to assets | 28.8464% | 78 |
| Core capital (leverage) ratio | 28.7906% | 75 |
| Tier 1 risk-based capital ratio | 57.6521% | 96 |
| Total risk-based capital ratio | 58.9088% | 95 |
| Memoranda: | ||
| Average total assets | $267,126,670 | 2,370 |
| Average earning assets | $258,048,330 | 2,309 |
| Average equity | $76,337,000 | 1,123 |
| Average total loans | $202,470,670 | 2,172 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5219% | 5,027 |
| Cost of funding earning assets | 0.4777% | 4,168 |
| Net interest margin | 3.0441% | 4,690 |
| Noninterest income to average assets | 0.0358% | 5,246 |
| Noninterest expense to average assets | 2.2747% | 4,088 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5003% | 4,519 |
| Return on assets (ROA) | 0.5003% | 4,540 |
| Pretax return on assets | 0.7020% | 4,293 |
| Return on Equity (ROE) | 1.7591% | 4,994 |
| Retained earnings to average equity (ytd only) | 1.7591% | 4,126 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4175% | 1,453 |
| Assets per employee ($millions) | 6.4139% | 1,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1834% | 2,676 |
| Loan loss allowance to noncurrent loans | 217.6524% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.4080% | 2,954 |
| Noncurrent loans to loans | 0.5437% | 2,683 |
| Net loans and leases to total assets | 74.1469% | 1,772 |
| Net loans and leases to deposits | 115.1014% | 135 |
| Net loans and leases to core deposits | 121.0091% | 498 |
| Total domestic deposits to total assets | 64.4188% | 5,231 |
| Equity capital to assets | 28.3398% | 79 |
| Core capital (leverage) ratio | 28.7286% | 78 |
| Tier 1 risk-based capital ratio | 57.0870% | 99 |
| Total risk-based capital ratio | 58.3432% | 97 |
| Memoranda: | ||
| Average total assets | $267,814,000 | 2,387 |
| Average earning assets | $258,727,000 | 2,326 |
| Average equity | $76,175,500 | 1,126 |
| Average total loans | $202,816,500 | 2,190 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4808% | 4,938 |
| Cost of funding earning assets | 0.2503% | 4,805 |
| Net interest margin | 3.2306% | 4,426 |
| Noninterest income to average assets | 0.0587% | 5,250 |
| Noninterest expense to average assets | 2.4163% | 3,842 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5526% | 4,543 |
| Return on assets (ROA) | 0.5526% | 4,539 |
| Pretax return on assets | 0.7565% | 4,278 |
| Return on Equity (ROE) | 1.9265% | 5,053 |
| Retained earnings to average equity (ytd only) | 1.9265% | 4,378 |
| Net charge-offs to loans | -0.0214% | 4,720 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1562% | 1,341 |
| Assets per employee ($millions) | 6.1917% | 1,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1754% | 2,691 |
| Loan loss allowance to noncurrent loans | 200.3350% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.4485% | 2,772 |
| Noncurrent loans to loans | 0.5867% | 2,532 |
| Net loans and leases to total assets | 75.5356% | 1,688 |
| Net loans and leases to deposits | 118.0903% | 117 |
| Net loans and leases to core deposits | 123.9531% | 442 |
| Total domestic deposits to total assets | 63.9643% | 5,278 |
| Equity capital to assets | 28.5482% | 75 |
| Core capital (leverage) ratio | 28.8051% | 76 |
| Tier 1 risk-based capital ratio | 56.7474% | 95 |
| Total risk-based capital ratio | 58.0039% | 95 |
| Memoranda: | ||
| Average total assets | $262,389,800 | 2,382 |
| Average earning assets | $252,926,800 | 2,319 |
| Average equity | $75,266,800 | 1,086 |
| Average total loans | $195,879,200 | 2,204 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4111% | 5,022 |
| Cost of funding earning assets | 0.2494% | 4,787 |
| Net interest margin | 3.1617% | 4,591 |
| Noninterest income to average assets | 0.0388% | 5,369 |
| Noninterest expense to average assets | 2.3052% | 4,088 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5590% | 4,622 |
| Return on assets (ROA) | 0.5590% | 4,625 |
| Pretax return on assets | 0.7793% | 4,346 |
| Return on Equity (ROE) | 1.9463% | 5,138 |
| Retained earnings to average equity (ytd only) | 1.9463% | 4,598 |
| Net charge-offs to loans | -0.0289% | 4,735 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7354% | 1,488 |
| Assets per employee ($millions) | 6.4342% | 1,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1905% | 2,676 |
| Loan loss allowance to noncurrent loans | 244.3309% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.3711% | 3,190 |
| Noncurrent loans to loans | 0.4872% | 2,929 |
| Net loans and leases to total assets | 75.2589% | 1,769 |
| Net loans and leases to deposits | 113.8427% | 187 |
| Net loans and leases to core deposits | 119.7038% | 580 |
| Total domestic deposits to total assets | 66.1078% | 5,320 |
| Equity capital to assets | 28.6781% | 73 |
| Core capital (leverage) ratio | 28.4488% | 76 |
| Tier 1 risk-based capital ratio | 56.4692% | 93 |
| Total risk-based capital ratio | 57.7254% | 93 |
| Memoranda: | ||
| Average total assets | $261,426,250 | 2,401 |
| Average earning assets | $251,837,500 | 2,336 |
| Average equity | $75,081,500 | 1,092 |
| Average total loans | $193,973,750 | 2,224 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4221% | 5,015 |
| Cost of funding earning assets | 0.2476% | 4,755 |
| Net interest margin | 3.1745% | 4,563 |
| Noninterest income to average assets | 0.0836% | 5,314 |
| Noninterest expense to average assets | 2.3949% | 3,910 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5325% | 4,675 |
| Return on assets (ROA) | 0.5325% | 4,682 |
| Pretax return on assets | 0.7482% | 4,396 |
| Return on Equity (ROE) | 1.8534% | 5,189 |
| Retained earnings to average equity (ytd only) | 1.8534% | 4,499 |
| Net charge-offs to loans | -0.0438% | 4,873 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1963% | 1,401 |
| Assets per employee ($millions) | 5.9795% | 1,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2175% | 2,619 |
| Loan loss allowance to noncurrent loans | 224.3902% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.4253% | 3,023 |
| Noncurrent loans to loans | 0.5426% | 2,791 |
| Net loans and leases to total assets | 73.7639% | 1,987 |
| Net loans and leases to deposits | 106.8079% | 403 |
| Net loans and leases to core deposits | 112.0450% | 885 |
| Total domestic deposits to total assets | 69.0622% | 5,307 |
| Equity capital to assets | 28.6022% | 76 |
| Core capital (leverage) ratio | 28.7239% | 76 |
| Tier 1 risk-based capital ratio | 56.9707% | 98 |
| Total risk-based capital ratio | 58.2274% | 97 |
| Memoranda: | ||
| Average total assets | $260,633,670 | 2,415 |
| Average earning assets | $251,187,670 | 2,348 |
| Average equity | $74,890,670 | 1,090 |
| Average total loans | $191,655,670 | 2,249 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4022% | 5,016 |
| Cost of funding earning assets | 0.2464% | 4,733 |
| Net interest margin | 3.1557% | 4,587 |
| Noninterest income to average assets | 0.0416% | 5,492 |
| Noninterest expense to average assets | 2.4117% | 3,913 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4688% | 4,771 |
| Return on assets (ROA) | 0.4688% | 4,773 |
| Pretax return on assets | 0.6708% | 4,517 |
| Return on Equity (ROE) | 1.6276% | 5,230 |
| Retained earnings to average equity (ytd only) | 1.6276% | 4,452 |
| Net charge-offs to loans | -0.0888% | 5,163 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2391% | 1,329 |
| Assets per employee ($millions) | 5.9471% | 1,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2562% | 2,482 |
| Loan loss allowance to noncurrent loans | 356.4829% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.2866% | 3,713 |
| Noncurrent loans to loans | 0.3524% | 3,508 |
| Net loans and leases to total assets | 71.8554% | 2,192 |
| Net loans and leases to deposits | 102.3053% | 563 |
| Net loans and leases to core deposits | 107.2638% | 1,166 |
| Total domestic deposits to total assets | 70.2362% | 5,356 |
| Equity capital to assets | 28.6089% | 72 |
| Core capital (leverage) ratio | 29.0521% | 71 |
| Tier 1 risk-based capital ratio | 57.5972% | 95 |
| Total risk-based capital ratio | 58.8544% | 94 |
| Memoranda: | ||
| Average total assets | $259,401,000 | 2,449 |
| Average earning assets | $249,958,000 | 2,378 |
| Average equity | $74,710,000 | 1,101 |
| Average total loans | $189,251,500 | 2,283 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3735% | 4,975 |
| Cost of funding earning assets | 0.2559% | 4,514 |
| Net interest margin | 3.1175% | 4,654 |
| Noninterest income to average assets | 0.0413% | 5,551 |
| Noninterest expense to average assets | 2.4144% | 4,039 |
| Loan and lease loss provision to assets | -1.1038% | 5,666 |
| Net operating income to assets | 0.9537% | 2,430 |
| Return on assets (ROA) | 0.9537% | 2,463 |
| Pretax return on assets | 1.7242% | 953 |
| Return on Equity (ROE) | 3.4397% | 4,707 |
| Retained earnings to average equity (ytd only) | 3.4397% | 3,228 |
| Net charge-offs to loans | -0.0011% | 4,492 |
| Credit loss provision to net charge-offs | 145,550.0000% | 2 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5577% | 1,151 |
| Assets per employee ($millions) | 5.8438% | 1,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 2,475 |
| Loan loss allowance to noncurrent loans | 286.2363% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.3664% | 3,398 |
| Noncurrent loans to loans | 0.4365% | 3,218 |
| Net loans and leases to total assets | 72.2341% | 2,196 |
| Net loans and leases to deposits | 103.7354% | 504 |
| Net loans and leases to core deposits | 108.9892% | 1,064 |
| Total domestic deposits to total assets | 69.6330% | 5,419 |
| Equity capital to assets | 28.9965% | 69 |
| Core capital (leverage) ratio | 28.9283% | 68 |
| Tier 1 risk-based capital ratio | 58.2776% | 88 |
| Total risk-based capital ratio | 59.5345% | 88 |
| Memoranda: | ||
| Average total assets | $263,713,600 | 2,377 |
| Average earning assets | $253,212,400 | 2,327 |
| Average equity | $73,117,800 | 1,087 |
| Average total loans | $189,494,200 | 2,246 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3679% | 5,006 |
| Cost of funding earning assets | 0.2540% | 4,531 |
| Net interest margin | 3.1139% | 4,675 |
| Noninterest income to average assets | 0.0447% | 5,623 |
| Noninterest expense to average assets | 2.3836% | 4,062 |
| Loan and lease loss provision to assets | -0.5276% | 5,714 |
| Net operating income to assets | 0.7255% | 3,847 |
| Return on assets (ROA) | 0.7255% | 3,911 |
| Pretax return on assets | 1.1762% | 2,998 |
| Return on Equity (ROE) | 2.6462% | 5,192 |
| Retained earnings to average equity (ytd only) | 2.6462% | 4,311 |
| Net charge-offs to loans | 0.0379% | 2,682 |
| Credit loss provision to net charge-offs | -1,944.4444% | 5,061 |
| Earnings coverage of net charge-offs (x) | 23.9068% | 1,794 |
| Efficiency ratio | 78.6081% | 1,255 |
| Assets per employee ($millions) | 5.7228% | 1,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1989% | 403 |
| Loan loss allowance to noncurrent loans | 989.2857% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.2167% | 4,202 |
| Noncurrent loans to loans | 0.2223% | 4,178 |
| Net loans and leases to total assets | 71.7591% | 2,291 |
| Net loans and leases to deposits | 102.2254% | 600 |
| Net loans and leases to core deposits | 107.4076% | 1,178 |
| Total domestic deposits to total assets | 70.1969% | 5,473 |
| Equity capital to assets | 28.5356% | 69 |
| Core capital (leverage) ratio | 27.8707% | 73 |
| Tier 1 risk-based capital ratio | 56.2709% | 96 |
| Total risk-based capital ratio | 57.5443% | 94 |
| Memoranda: | ||
| Average total assets | $265,360,000 | 2,390 |
| Average earning assets | $254,595,250 | 2,337 |
| Average equity | $72,757,750 | 1,102 |
| Average total loans | $189,846,750 | 2,255 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3415% | 5,041 |
| Cost of funding earning assets | 0.2513% | 4,529 |
| Net interest margin | 3.0902% | 4,712 |
| Noninterest income to average assets | 0.0463% | 5,658 |
| Noninterest expense to average assets | 2.3831% | 4,099 |
| Loan and lease loss provision to assets | -0.5224% | 5,761 |
| Net operating income to assets | 0.7053% | 3,827 |
| Return on assets (ROA) | 0.7053% | 3,890 |
| Pretax return on assets | 1.1501% | 2,977 |
| Return on Equity (ROE) | 2.6064% | 5,216 |
| Retained earnings to average equity (ytd only) | 2.6064% | 4,139 |
| Net charge-offs to loans | 0.0568% | 2,123 |
| Credit loss provision to net charge-offs | -1,296.2963% | 4,872 |
| Earnings coverage of net charge-offs (x) | 15.5741% | 2,020 |
| Efficiency ratio | 79.1522% | 1,318 |
| Assets per employee ($millions) | 6.2875% | 1,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3913% | 324 |
| Loan loss allowance to noncurrent loans | 281.2110% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.6188% | 2,713 |
| Noncurrent loans to loans | 0.8504% | 2,280 |
| Net loans and leases to total assets | 68.0150% | 2,817 |
| Net loans and leases to deposits | 96.6529% | 1,014 |
| Net loans and leases to core deposits | 101.4415% | 1,556 |
| Total domestic deposits to total assets | 70.3703% | 5,524 |
| Equity capital to assets | 26.9962% | 75 |
| Core capital (leverage) ratio | 27.0625% | 76 |
| Tier 1 risk-based capital ratio | 54.7325% | 100 |
| Total risk-based capital ratio | 56.0088% | 97 |
| Memoranda: | ||
| Average total assets | $267,971,000 | 2,385 |
| Average earning assets | $257,068,000 | 2,326 |
| Average equity | $72,514,670 | 1,104 |
| Average total loans | $190,144,330 | 2,256 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3612% | 5,015 |
| Cost of funding earning assets | 0.2518% | 4,519 |
| Net interest margin | 3.1094% | 4,626 |
| Noninterest income to average assets | 0.0510% | 5,726 |
| Noninterest expense to average assets | 2.3930% | 4,133 |
| Loan and lease loss provision to assets | -0.5248% | 5,833 |
| Net operating income to assets | 0.7047% | 3,680 |
| Return on assets (ROA) | 0.7047% | 3,723 |
| Pretax return on assets | 1.1635% | 2,725 |
| Return on Equity (ROE) | 2.6011% | 5,204 |
| Retained earnings to average equity (ytd only) | 2.6011% | 4,098 |
| Net charge-offs to loans | 0.0754% | 1,583 |
| Credit loss provision to net charge-offs | -972.2222% | 4,399 |
| Earnings coverage of net charge-offs (x) | 11.8333% | 1,868 |
| Efficiency ratio | 78.9318% | 1,500 |
| Assets per employee ($millions) | 5.9969% | 1,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5669% | 294 |
| Loan loss allowance to noncurrent loans | 332.4011% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.5696% | 2,951 |
| Noncurrent loans to loans | 0.7722% | 2,537 |
| Net loans and leases to total assets | 68.5413% | 2,598 |
| Net loans and leases to deposits | 97.3515% | 825 |
| Net loans and leases to core deposits | 102.1438% | 1,359 |
| Total domestic deposits to total assets | 70.4060% | 5,616 |
| Equity capital to assets | 26.8707% | 82 |
| Core capital (leverage) ratio | 27.3388% | 75 |
| Tier 1 risk-based capital ratio | 54.4086% | 106 |
| Total risk-based capital ratio | 55.6879% | 104 |
| Memoranda: | ||
| Average total assets | $266,774,500 | 2,417 |
| Average earning assets | $255,739,500 | 2,348 |
| Average equity | $72,278,000 | 1,105 |
| Average total loans | $191,020,000 | 2,263 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5933% | 4,526 |
| Cost of funding earning assets | 0.2989% | 4,079 |
| Net interest margin | 3.2944% | 4,161 |
| Noninterest income to average assets | 0.0937% | 5,660 |
| Noninterest expense to average assets | 2.4224% | 4,234 |
| Loan and lease loss provision to assets | -0.4722% | 5,874 |
| Net operating income to assets | 0.8104% | 3,257 |
| Return on assets (ROA) | 0.8104% | 3,364 |
| Pretax return on assets | 1.2917% | 2,309 |
| Return on Equity (ROE) | 3.0224% | 5,154 |
| Retained earnings to average equity (ytd only) | 3.0224% | 3,749 |
| Net charge-offs to loans | 0.0320% | 3,382 |
| Credit loss provision to net charge-offs | -1,984.1270% | 5,380 |
| Earnings coverage of net charge-offs (x) | 34.4286% | 1,315 |
| Efficiency ratio | 74.7232% | 2,178 |
| Assets per employee ($millions) | 5.9930% | 1,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7362% | 237 |
| Loan loss allowance to noncurrent loans | 280.7795% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.7262% | 2,550 |
| Noncurrent loans to loans | 0.9745% | 2,144 |
| Net loans and leases to total assets | 70.8950% | 2,349 |
| Net loans and leases to deposits | 101.4930% | 569 |
| Net loans and leases to core deposits | 106.6174% | 1,092 |
| Total domestic deposits to total assets | 69.8521% | 5,672 |
| Equity capital to assets | 27.3211% | 77 |
| Core capital (leverage) ratio | 27.4972% | 74 |
| Tier 1 risk-based capital ratio | 54.1221% | 114 |
| Total risk-based capital ratio | 55.4052% | 113 |
| Memoranda: | ||
| Average total assets | $264,699,400 | 2,395 |
| Average earning assets | $252,945,600 | 2,339 |
| Average equity | $70,971,000 | 1,112 |
| Average total loans | $196,678,800 | 2,143 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6596% | 4,372 |
| Cost of funding earning assets | 0.3019% | 4,074 |
| Net interest margin | 3.3577% | 4,008 |
| Noninterest income to average assets | 0.0664% | 5,796 |
| Noninterest expense to average assets | 2.3596% | 4,383 |
| Loan and lease loss provision to assets | -0.3774% | 5,931 |
| Net operating income to assets | 0.8011% | 3,361 |
| Return on assets (ROA) | 0.8011% | 3,502 |
| Pretax return on assets | 1.2913% | 2,466 |
| Return on Equity (ROE) | 3.0021% | 5,217 |
| Retained earnings to average equity (ytd only) | 3.0021% | 4,116 |
| Net charge-offs to loans | 0.0445% | 2,758 |
| Credit loss provision to net charge-offs | -1,136.3636% | 5,239 |
| Earnings coverage of net charge-offs (x) | 27.5144% | 1,564 |
| Efficiency ratio | 72.0830% | 2,570 |
| Assets per employee ($millions) | 5.9388% | 1,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9540% | 200 |
| Loan loss allowance to noncurrent loans | 265.0092% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.9066% | 2,289 |
| Noncurrent loans to loans | 1.1147% | 2,022 |
| Net loans and leases to total assets | 72.3675% | 2,134 |
| Net loans and leases to deposits | 103.9422% | 458 |
| Net loans and leases to core deposits | 109.2710% | 967 |
| Total domestic deposits to total assets | 69.6229% | 5,718 |
| Equity capital to assets | 27.3585% | 73 |
| Core capital (leverage) ratio | 26.9925% | 78 |
| Tier 1 risk-based capital ratio | 53.3835% | 115 |
| Total risk-based capital ratio | 54.6708% | 115 |
| Memoranda: | ||
| Average total assets | $264,951,750 | 2,404 |
| Average earning assets | $253,066,250 | 2,349 |
| Average equity | $70,703,000 | 1,117 |
| Average total loans | $197,798,000 | 2,141 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7089% | 4,274 |
| Cost of funding earning assets | 0.3006% | 4,121 |
| Net interest margin | 3.4084% | 3,857 |
| Noninterest income to average assets | 0.0766% | 5,848 |
| Noninterest expense to average assets | 2.3865% | 4,381 |
| Loan and lease loss provision to assets | -0.3757% | 5,999 |
| Net operating income to assets | 0.8168% | 3,235 |
| Return on assets (ROA) | 0.8168% | 3,368 |
| Pretax return on assets | 1.3210% | 2,321 |
| Return on Equity (ROE) | 3.0863% | 5,226 |
| Retained earnings to average equity (ytd only) | 3.0863% | 3,940 |
| Net charge-offs to loans | 0.0624% | 2,302 |
| Credit loss provision to net charge-offs | -806.4516% | 5,046 |
| Earnings coverage of net charge-offs (x) | 20.2903% | 1,732 |
| Efficiency ratio | 71.6283% | 2,728 |
| Assets per employee ($millions) | 6.0918% | 1,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0614% | 183 |
| Loan loss allowance to noncurrent loans | 179.7249% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 1.2756% | 1,600 |
| Noncurrent loans to loans | 1.7034% | 1,244 |
| Net loans and leases to total assets | 70.9984% | 2,328 |
| Net loans and leases to deposits | 101.7756% | 578 |
| Net loans and leases to core deposits | 106.7002% | 1,122 |
| Total domestic deposits to total assets | 69.7597% | 5,795 |
| Equity capital to assets | 26.4826% | 81 |
| Core capital (leverage) ratio | 26.4956% | 78 |
| Tier 1 risk-based capital ratio | 52.9033% | 116 |
| Total risk-based capital ratio | 54.1926% | 115 |
| Memoranda: | ||
| Average total assets | $266,167,330 | 2,418 |
| Average earning assets | $254,196,000 | 2,354 |
| Average equity | $70,441,000 | 1,121 |
| Average total loans | $198,778,670 | 2,140 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7610% | 4,094 |
| Cost of funding earning assets | 0.3018% | 4,147 |
| Net interest margin | 3.4591% | 3,626 |
| Noninterest income to average assets | 0.0603% | 5,934 |
| Noninterest expense to average assets | 2.3889% | 4,402 |
| Loan and lease loss provision to assets | -0.3619% | 6,062 |
| Net operating income to assets | 0.8219% | 3,143 |
| Return on assets (ROA) | 0.8219% | 3,268 |
| Pretax return on assets | 1.3347% | 2,162 |
| Return on Equity (ROE) | 3.1068% | 5,197 |
| Retained earnings to average equity (ytd only) | 3.1068% | 3,965 |
| Net charge-offs to loans | 0.1020% | 1,515 |
| Credit loss provision to net charge-offs | -470.5882% | 4,544 |
| Earnings coverage of net charge-offs (x) | 12.6471% | 1,779 |
| Efficiency ratio | 71.0633% | 2,950 |
| Assets per employee ($millions) | 5.7896% | 1,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1701% | 190 |
| Loan loss allowance to noncurrent loans | 149.8330% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 1.6319% | 1,209 |
| Noncurrent loans to loans | 2.1158% | 990 |
| Net loans and leases to total assets | 72.0369% | 2,031 |
| Net loans and leases to deposits | 103.2351% | 449 |
| Net loans and leases to core deposits | 108.2327% | 962 |
| Total domestic deposits to total assets | 69.7794% | 5,875 |
| Equity capital to assets | 26.4499% | 78 |
| Core capital (leverage) ratio | 26.6796% | 75 |
| Tier 1 risk-based capital ratio | 51.6509% | 123 |
| Total risk-based capital ratio | 52.9421% | 121 |
| Memoranda: | ||
| Average total assets | $265,231,000 | 2,428 |
| Average earning assets | $253,126,000 | 2,363 |
| Average equity | $70,169,500 | 1,120 |
| Average total loans | $200,011,000 | 2,132 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7127% | 4,337 |
| Cost of funding earning assets | 0.2883% | 4,384 |
| Net interest margin | 3.4244% | 3,819 |
| Noninterest income to average assets | 0.0501% | 6,007 |
| Noninterest expense to average assets | 2.3073% | 4,762 |
| Loan and lease loss provision to assets | -0.3733% | 6,095 |
| Net operating income to assets | 0.8606% | 3,063 |
| Return on assets (ROA) | 0.8606% | 3,132 |
| Pretax return on assets | 1.3698% | 2,026 |
| Return on Equity (ROE) | 3.2824% | 5,201 |
| Retained earnings to average equity (ytd only) | 3.2824% | 3,719 |
| Net charge-offs to loans | 0.1350% | 2,011 |
| Credit loss provision to net charge-offs | -378.2946% | 5,388 |
| Earnings coverage of net charge-offs (x) | 10.0969% | 2,735 |
| Efficiency ratio | 69.8391% | 3,246 |
| Assets per employee ($millions) | 6.0032% | 1,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2552% | 165 |
| Loan loss allowance to noncurrent loans | 442.8571% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.7205% | 2,899 |
| Noncurrent loans to loans | 0.7351% | 2,973 |
| Net loans and leases to total assets | 73.9453% | 1,740 |
| Net loans and leases to deposits | 107.0558% | 326 |
| Net loans and leases to core deposits | 111.9005% | 781 |
| Total domestic deposits to total assets | 69.0717% | 5,937 |
| Equity capital to assets | 26.4621% | 74 |
| Core capital (leverage) ratio | 26.2136% | 76 |
| Tier 1 risk-based capital ratio | 51.6837% | 117 |
| Total risk-based capital ratio | 52.9777% | 115 |
| Memoranda: | ||
| Average total assets | $261,434,200 | 2,412 |
| Average earning assets | $248,393,000 | 2,349 |
| Average equity | $68,548,000 | 1,110 |
| Average total loans | $191,181,000 | 2,146 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6818% | 4,469 |
| Cost of funding earning assets | 0.2801% | 4,557 |
| Net interest margin | 3.4017% | 3,954 |
| Noninterest income to average assets | 0.0603% | 6,067 |
| Noninterest expense to average assets | 2.2871% | 4,812 |
| Loan and lease loss provision to assets | -0.0041% | 5,796 |
| Net operating income to assets | 0.6136% | 4,308 |
| Return on assets (ROA) | 0.6136% | 4,423 |
| Pretax return on assets | 1.0063% | 3,589 |
| Return on Equity (ROE) | 2.3456% | 5,592 |
| Retained earnings to average equity (ytd only) | 2.3456% | 4,710 |
| Net charge-offs to loans | 0.1846% | 1,381 |
| Credit loss provision to net charge-offs | -3.0651% | 4,815 |
| Earnings coverage of net charge-offs (x) | 7.5096% | 2,905 |
| Efficiency ratio | 69.5321% | 3,286 |
| Assets per employee ($millions) | 6.0700% | 1,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7227% | 116 |
| Loan loss allowance to noncurrent loans | 422.4776% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.8642% | 2,718 |
| Noncurrent loans to loans | 0.8812% | 2,780 |
| Net loans and leases to total assets | 72.9833% | 1,908 |
| Net loans and leases to deposits | 106.9777% | 332 |
| Net loans and leases to core deposits | 111.6666% | 782 |
| Total domestic deposits to total assets | 68.2229% | 6,031 |
| Equity capital to assets | 25.7778% | 88 |
| Core capital (leverage) ratio | 25.8580% | 80 |
| Tier 1 risk-based capital ratio | 49.5060% | 139 |
| Total risk-based capital ratio | 50.8075% | 138 |
| Memoranda: | ||
| Average total assets | $260,757,750 | 2,439 |
| Average earning assets | $247,515,000 | 2,384 |
| Average equity | $68,210,750 | 1,123 |
| Average total loans | $188,503,500 | 2,184 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6045% | 4,706 |
| Cost of funding earning assets | 0.2699% | 4,720 |
| Net interest margin | 3.3346% | 4,162 |
| Noninterest income to average assets | 0.0441% | 6,190 |
| Noninterest expense to average assets | 2.2787% | 4,895 |
| Loan and lease loss provision to assets | -0.0062% | 5,951 |
| Net operating income to assets | 0.5645% | 4,503 |
| Return on assets (ROA) | 0.5645% | 4,607 |
| Pretax return on assets | 0.9341% | 3,827 |
| Return on Equity (ROE) | 2.1471% | 5,646 |
| Retained earnings to average equity (ytd only) | 2.1471% | 4,635 |
| Net charge-offs to loans | 0.3057% | 869 |
| Credit loss provision to net charge-offs | -2.8470% | 4,663 |
| Earnings coverage of net charge-offs (x) | 4.2705% | 3,068 |
| Efficiency ratio | 71.0634% | 3,145 |
| Assets per employee ($millions) | 5.8977% | 1,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9349% | 108 |
| Loan loss allowance to noncurrent loans | 460.3184% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.8227% | 2,915 |
| Noncurrent loans to loans | 0.8548% | 2,991 |
| Net loans and leases to total assets | 70.7195% | 2,204 |
| Net loans and leases to deposits | 96.4777% | 911 |
| Net loans and leases to core deposits | 100.5011% | 1,450 |
| Total domestic deposits to total assets | 73.3013% | 5,842 |
| Equity capital to assets | 26.3495% | 78 |
| Core capital (leverage) ratio | 26.3045% | 82 |
| Tier 1 risk-based capital ratio | 50.2909% | 146 |
| Total risk-based capital ratio | 51.5934% | 142 |
| Memoranda: | ||
| Average total assets | $258,650,670 | 2,464 |
| Average earning assets | $245,307,670 | 2,418 |
| Average equity | $67,998,670 | 1,130 |
| Average total loans | $183,851,330 | 2,236 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6899% | 4,403 |
| Cost of funding earning assets | 0.2680% | 4,818 |
| Net interest margin | 3.4219% | 3,749 |
| Noninterest income to average assets | 0.0713% | 6,173 |
| Noninterest expense to average assets | 2.4614% | 4,400 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5034% | 4,668 |
| Return on assets (ROA) | 0.5034% | 4,785 |
| Pretax return on assets | 0.8535% | 4,046 |
| Return on Equity (ROE) | 1.9171% | 5,708 |
| Retained earnings to average equity (ytd only) | 1.9171% | 4,707 |
| Net charge-offs to loans | 0.3107% | 763 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 3.9357% | 2,551 |
| Efficiency ratio | 74.2523% | 2,780 |
| Assets per employee ($millions) | 6.0620% | 1,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2782% | 102 |
| Loan loss allowance to noncurrent loans | 626.3072% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.7634% | 3,200 |
| Noncurrent loans to loans | 0.6831% | 3,571 |
| Net loans and leases to total assets | 65.8002% | 2,815 |
| Net loans and leases to deposits | 89.4881% | 1,440 |
| Net loans and leases to core deposits | 93.0409% | 1,847 |
| Total domestic deposits to total assets | 73.5295% | 5,940 |
| Equity capital to assets | 26.0761% | 86 |
| Core capital (leverage) ratio | 26.4487% | 81 |
| Tier 1 risk-based capital ratio | 55.3140% | 120 |
| Total risk-based capital ratio | 56.6249% | 119 |
| Memoranda: | ||
| Average total assets | $258,226,000 | 2,483 |
| Average earning assets | $244,779,500 | 2,430 |
| Average equity | $67,809,500 | 1,136 |
| Average total loans | $180,260,000 | 2,273 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8369% | 4,370 |
| Cost of funding earning assets | 0.2928% | 4,867 |
| Net interest margin | 3.5441% | 3,625 |
| Noninterest income to average assets | 0.3233% | 4,805 |
| Noninterest expense to average assets | 2.4328% | 4,752 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7830% | 3,453 |
| Return on assets (ROA) | 0.7830% | 3,544 |
| Pretax return on assets | 1.2384% | 2,494 |
| Return on Equity (ROE) | 3.0257% | 5,467 |
| Retained earnings to average equity (ytd only) | 3.0257% | 4,088 |
| Net charge-offs to loans | 0.1935% | 2,118 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 8.7818% | 2,831 |
| Efficiency ratio | 66.2670% | 4,204 |
| Assets per employee ($millions) | 5.6841% | 1,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3048% | 104 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 1.3507% | 2,076 |
| Noncurrent loans to loans | 1.4349% | 2,052 |
| Net loans and leases to total assets | 67.8416% | 2,581 |
| Net loans and leases to deposits | 92.9503% | 1,189 |
| Net loans and leases to core deposits | 96.8624% | 1,646 |
| Total domestic deposits to total assets | 72.9870% | 6,019 |
| Equity capital to assets | 26.4469% | 84 |
| Core capital (leverage) ratio | 26.4469% | 83 |
| Tier 1 risk-based capital ratio | 52.2964% | 124 |
| Total risk-based capital ratio | 53.6045% | 123 |
| Memoranda: | ||
| Average total assets | $256,704,200 | 2,464 |
| Average earning assets | $242,488,800 | 2,405 |
| Average equity | $66,430,000 | 1,110 |
| Average total loans | $187,105,600 | 2,144 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8194% | 4,473 |
| Cost of funding earning assets | 0.2787% | 5,111 |
| Net interest margin | 3.5407% | 3,668 |
| Noninterest income to average assets | 0.2231% | 5,592 |
| Noninterest expense to average assets | 2.3762% | 4,891 |
| Loan and lease loss provision to assets | 0.2595% | 823 |
| Net operating income to assets | 0.5656% | 4,609 |
| Return on assets (ROA) | 0.5656% | 4,681 |
| Pretax return on assets | 0.9299% | 3,861 |
| Return on Equity (ROE) | 2.1978% | 5,789 |
| Retained earnings to average equity (ytd only) | 2.1978% | 4,959 |
| Net charge-offs to loans | 0.4314% | 920 |
| Credit loss provision to net charge-offs | 81.9672% | 2,557 |
| Earnings coverage of net charge-offs (x) | 3.7574% | 3,598 |
| Efficiency ratio | 66.6424% | 4,109 |
| Assets per employee ($millions) | 5.7092% | 1,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3470% | 120 |
| Loan loss allowance to noncurrent loans | 421.2232% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 1.3456% | 2,290 |
| Noncurrent loans to loans | 1.0320% | 3,009 |
| Net loans and leases to total assets | 69.0161% | 2,362 |
| Net loans and leases to deposits | 93.7108% | 1,066 |
| Net loans and leases to core deposits | 97.6431% | 1,543 |
| Total domestic deposits to total assets | 73.6480% | 6,043 |
| Equity capital to assets | 25.9725% | 85 |
| Core capital (leverage) ratio | 25.9725% | 79 |
| Tier 1 risk-based capital ratio | 50.6371% | 127 |
| Total risk-based capital ratio | 51.9469% | 125 |
| Memoranda: | ||
| Average total assets | $256,934,250 | 2,478 |
| Average earning assets | $242,545,500 | 2,420 |
| Average equity | $66,125,750 | 1,118 |
| Average total loans | $188,548,500 | 2,144 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8202% | 4,447 |
| Cost of funding earning assets | 0.2770% | 5,222 |
| Net interest margin | 3.5432% | 3,603 |
| Noninterest income to average assets | 0.0506% | 6,444 |
| Noninterest expense to average assets | 2.2122% | 5,381 |
| Loan and lease loss provision to assets | 0.3892% | 435 |
| Net operating income to assets | 0.4748% | 4,915 |
| Return on assets (ROA) | 0.4748% | 4,983 |
| Pretax return on assets | 0.7947% | 4,294 |
| Return on Equity (ROE) | 1.8506% | 5,877 |
| Retained earnings to average equity (ytd only) | 1.8506% | 4,963 |
| Net charge-offs to loans | 0.5358% | 760 |
| Credit loss provision to net charge-offs | 98.4252% | 2,045 |
| Earnings coverage of net charge-offs (x) | 2.9941% | 3,418 |
| Efficiency ratio | 65.1387% | 4,501 |
| Assets per employee ($millions) | 5.7637% | 1,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3600% | 137 |
| Loan loss allowance to noncurrent loans | 735.1351% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.7730% | 3,657 |
| Noncurrent loans to loans | 0.5931% | 4,246 |
| Net loans and leases to total assets | 69.0124% | 2,237 |
| Net loans and leases to deposits | 93.1295% | 1,038 |
| Net loans and leases to core deposits | 96.8064% | 1,536 |
| Total domestic deposits to total assets | 74.1037% | 6,102 |
| Equity capital to assets | 25.5420% | 86 |
| Core capital (leverage) ratio | 25.5420% | 80 |
| Tier 1 risk-based capital ratio | 49.8863% | 134 |
| Total risk-based capital ratio | 51.1966% | 134 |
| Memoranda: | ||
| Average total assets | $256,941,000 | 2,484 |
| Average earning assets | $242,605,000 | 2,416 |
| Average equity | $65,925,330 | 1,110 |
| Average total loans | $189,608,000 | 2,132 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8560% | 4,266 |
| Cost of funding earning assets | 0.2787% | 5,295 |
| Net interest margin | 3.5772% | 3,348 |
| Noninterest income to average assets | 0.0547% | 6,473 |
| Noninterest expense to average assets | 2.3494% | 5,074 |
| Loan and lease loss provision to assets | 0.3832% | 442 |
| Net operating income to assets | 0.3989% | 5,119 |
| Return on assets (ROA) | 0.3989% | 5,191 |
| Pretax return on assets | 0.6945% | 4,508 |
| Return on Equity (ROE) | 1.5510% | 5,911 |
| Retained earnings to average equity (ytd only) | 1.5510% | 4,988 |
| Net charge-offs to loans | 0.5785% | 636 |
| Credit loss provision to net charge-offs | 88.7681% | 1,815 |
| Earnings coverage of net charge-offs (x) | 2.4964% | 2,868 |
| Efficiency ratio | 68.5532% | 4,084 |
| Assets per employee ($millions) | 5.8451% | 1,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2972% | 154 |
| Loan loss allowance to noncurrent loans | 380.4114% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 1.3383% | 2,641 |
| Noncurrent loans to loans | 1.1296% | 3,166 |
| Net loans and leases to total assets | 70.4633% | 1,807 |
| Net loans and leases to deposits | 95.1426% | 706 |
| Net loans and leases to core deposits | 98.7979% | 1,184 |
| Total domestic deposits to total assets | 74.0607% | 6,237 |
| Equity capital to assets | 25.6205% | 91 |
| Core capital (leverage) ratio | 25.6205% | 86 |
| Tier 1 risk-based capital ratio | 49.2172% | 141 |
| Total risk-based capital ratio | 50.5266% | 141 |
| Memoranda: | ||
| Average total assets | $255,729,000 | 2,496 |
| Average earning assets | $241,079,500 | 2,430 |
| Average equity | $65,764,500 | 1,115 |
| Average total loans | $190,835,000 | 2,127 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9110% | 4,419 |
| Cost of funding earning assets | 0.3077% | 5,535 |
| Net interest margin | 3.6033% | 3,454 |
| Noninterest income to average assets | 0.0815% | 6,453 |
| Noninterest expense to average assets | 2.1894% | 5,654 |
| Loan and lease loss provision to assets | 0.6680% | 350 |
| Net operating income to assets | 0.3950% | 5,166 |
| Return on assets (ROA) | 0.3950% | 5,276 |
| Pretax return on assets | 0.6155% | 4,822 |
| Return on Equity (ROE) | 1.5729% | 5,969 |
| Retained earnings to average equity (ytd only) | 1.5729% | 5,101 |
| Net charge-offs to loans | 1.3229% | 379 |
| Credit loss provision to net charge-offs | 66.6410% | 3,390 |
| Earnings coverage of net charge-offs (x) | 1.2804% | 4,636 |
| Efficiency ratio | 63.0420% | 5,051 |
| Assets per employee ($millions) | 6.2018% | 1,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2473% | 170 |
| Loan loss allowance to noncurrent loans | 340.6172% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 1.5951% | 2,332 |
| Noncurrent loans to loans | 1.2469% | 3,046 |
| Net loans and leases to total assets | 72.4198% | 1,611 |
| Net loans and leases to deposits | 98.3512% | 572 |
| Net loans and leases to core deposits | 102.0765% | 1,021 |
| Total domestic deposits to total assets | 73.6339% | 6,309 |
| Equity capital to assets | 25.8136% | 87 |
| Core capital (leverage) ratio | 25.8136% | 81 |
| Tier 1 risk-based capital ratio | 48.7464% | 143 |
| Total risk-based capital ratio | 50.0557% | 140 |
| Memoranda: | ||
| Average total assets | $258,971,200 | 2,443 |
| Average earning assets | $243,749,400 | 2,392 |
| Average equity | $65,038,800 | 1,101 |
| Average total loans | $196,240,600 | 2,035 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9291% | 4,394 |
| Cost of funding earning assets | 0.3120% | 5,625 |
| Net interest margin | 3.6171% | 3,374 |
| Noninterest income to average assets | 0.0892% | 6,509 |
| Noninterest expense to average assets | 2.2320% | 5,528 |
| Loan and lease loss provision to assets | 0.7662% | 264 |
| Net operating income to assets | 0.2768% | 5,685 |
| Return on assets (ROA) | 0.2768% | 5,795 |
| Pretax return on assets | 0.4951% | 5,371 |
| Return on Equity (ROE) | 1.1096% | 6,156 |
| Retained earnings to average equity (ytd only) | 1.1096% | 5,532 |
| Net charge-offs to loans | 1.7820% | 236 |
| Credit loss provision to net charge-offs | 56.7147% | 3,363 |
| Earnings coverage of net charge-offs (x) | 0.9336% | 4,541 |
| Efficiency ratio | 63.8938% | 4,815 |
| Assets per employee ($millions) | 6.2419% | 1,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0595% | 223 |
| Loan loss allowance to noncurrent loans | 208.4236% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 1.7623% | 2,325 |
| Noncurrent loans to loans | 1.9477% | 2,310 |
| Net loans and leases to total assets | 72.8912% | 1,469 |
| Net loans and leases to deposits | 98.3923% | 546 |
| Net loans and leases to core deposits | 102.1297% | 988 |
| Total domestic deposits to total assets | 74.0822% | 6,363 |
| Equity capital to assets | 25.4590% | 86 |
| Core capital (leverage) ratio | 25.4590% | 81 |
| Tier 1 risk-based capital ratio | 48.0877% | 148 |
| Total risk-based capital ratio | 49.3822% | 145 |
| Memoranda: | ||
| Average total assets | $260,145,750 | 2,454 |
| Average earning assets | $244,830,750 | 2,393 |
| Average equity | $64,889,250 | 1,114 |
| Average total loans | $197,222,750 | 2,028 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9250% | 4,380 |
| Cost of funding earning assets | 0.3181% | 5,682 |
| Net interest margin | 3.6069% | 3,329 |
| Noninterest income to average assets | 0.0956% | 6,544 |
| Noninterest expense to average assets | 2.2672% | 5,455 |
| Loan and lease loss provision to assets | 0.7111% | 322 |
| Net operating income to assets | 0.2760% | 5,684 |
| Return on assets (ROA) | 0.2760% | 5,819 |
| Pretax return on assets | 0.5070% | 5,347 |
| Return on Equity (ROE) | 1.1142% | 6,183 |
| Retained earnings to average equity (ytd only) | 1.1142% | 5,453 |
| Net charge-offs to loans | 1.6129% | 313 |
| Credit loss provision to net charge-offs | 58.1977% | 3,051 |
| Earnings coverage of net charge-offs (x) | 0.9969% | 4,197 |
| Efficiency ratio | 65.0505% | 4,701 |
| Assets per employee ($millions) | 6.3548% | 983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2855% | 205 |
| Loan loss allowance to noncurrent loans | 346.9929% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 1.3579% | 3,067 |
| Noncurrent loans to loans | 1.2350% | 3,485 |
| Net loans and leases to total assets | 71.7146% | 1,621 |
| Net loans and leases to deposits | 96.0525% | 670 |
| Net loans and leases to core deposits | 99.4153% | 1,121 |
| Total domestic deposits to total assets | 74.6619% | 6,386 |
| Equity capital to assets | 24.9378% | 90 |
| Core capital (leverage) ratio | 24.9378% | 83 |
| Tier 1 risk-based capital ratio | 47.3420% | 145 |
| Total risk-based capital ratio | 48.6521% | 144 |
| Memoranda: | ||
| Average total assets | $261,555,330 | 2,446 |
| Average earning assets | $245,806,670 | 2,391 |
| Average equity | $64,801,000 | 1,114 |
| Average total loans | $198,152,330 | 2,022 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0014% | 4,114 |
| Cost of funding earning assets | 0.3219% | 5,787 |
| Net interest margin | 3.6795% | 2,955 |
| Noninterest income to average assets | 0.1603% | 6,300 |
| Noninterest expense to average assets | 2.0637% | 5,976 |
| Loan and lease loss provision to assets | 0.9464% | 196 |
| Net operating income to assets | 0.3053% | 5,552 |
| Return on assets (ROA) | 0.3053% | 5,675 |
| Pretax return on assets | 0.6044% | 4,933 |
| Return on Equity (ROE) | 1.2362% | 6,164 |
| Retained earnings to average equity (ytd only) | 1.2362% | 5,353 |
| Net charge-offs to loans | 1.6231% | 317 |
| Credit loss provision to net charge-offs | 76.5432% | 2,206 |
| Earnings coverage of net charge-offs (x) | 1.2543% | 3,409 |
| Efficiency ratio | 57.0946% | 5,947 |
| Assets per employee ($millions) | 6.2659% | 1,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4543% | 203 |
| Loan loss allowance to noncurrent loans | 258.1436% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 1.9178% | 2,453 |
| Noncurrent loans to loans | 1.7255% | 2,958 |
| Net loans and leases to total assets | 72.0862% | 1,336 |
| Net loans and leases to deposits | 96.5057% | 513 |
| Net loans and leases to core deposits | 99.8295% | 958 |
| Total domestic deposits to total assets | 74.6963% | 6,490 |
| Equity capital to assets | 24.6285% | 98 |
| Core capital (leverage) ratio | 24.6285% | 89 |
| Tier 1 risk-based capital ratio | 46.4074% | 156 |
| Total risk-based capital ratio | 47.7199% | 157 |
| Memoranda: | ||
| Average total assets | $262,059,000 | 2,474 |
| Average earning assets | $246,014,500 | 2,414 |
| Average equity | $64,714,000 | 1,138 |
| Average total loans | $199,620,000 | 2,030 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2311% | 4,472 |
| Cost of funding earning assets | 0.4032% | 5,894 |
| Net interest margin | 3.8280% | 3,113 |
| Noninterest income to average assets | -0.0787% | 6,905 |
| Noninterest expense to average assets | 2.2184% | 5,889 |
| Loan and lease loss provision to assets | 0.9337% | 467 |
| Net operating income to assets | 0.1906% | 5,805 |
| Return on assets (ROA) | 0.1906% | 5,978 |
| Pretax return on assets | 0.3590% | 5,685 |
| Return on Equity (ROE) | 0.7751% | 6,174 |
| Retained earnings to average equity (ytd only) | 0.7751% | 5,476 |
| Net charge-offs to loans | 0.7699% | 1,519 |
| Credit loss provision to net charge-offs | 154.7468% | 1,746 |
| Earnings coverage of net charge-offs (x) | 2.1424% | 4,339 |
| Efficiency ratio | 63.1825% | 5,042 |
| Assets per employee ($millions) | 6.3647% | 1,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5015% | 185 |
| Loan loss allowance to noncurrent loans | 203.7898% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 2.5648% | 1,893 |
| Noncurrent loans to loans | 2.2089% | 2,447 |
| Net loans and leases to total assets | 73.4448% | 1,268 |
| Net loans and leases to deposits | 98.5393% | 478 |
| Net loans and leases to core deposits | 101.8807% | 895 |
| Total domestic deposits to total assets | 74.5335% | 6,486 |
| Equity capital to assets | 24.7610% | 101 |
| Core capital (leverage) ratio | 24.7610% | 98 |
| Tier 1 risk-based capital ratio | 45.9755% | 163 |
| Total risk-based capital ratio | 47.2862% | 163 |
| Memoranda: | ||
| Average total assets | $261,850,400 | 2,418 |
| Average earning assets | $245,560,800 | 2,361 |
| Average equity | $64,376,200 | 1,101 |
| Average total loans | $205,229,200 | 1,965 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2275% | 4,719 |
| Cost of funding earning assets | 0.4095% | 6,065 |
| Net interest margin | 3.8179% | 3,254 |
| Noninterest income to average assets | -0.0931% | 7,022 |
| Noninterest expense to average assets | 2.1362% | 6,098 |
| Loan and lease loss provision to assets | 0.9539% | 445 |
| Net operating income to assets | 0.2060% | 5,901 |
| Return on assets (ROA) | 0.2060% | 6,070 |
| Pretax return on assets | 0.3978% | 5,727 |
| Return on Equity (ROE) | 0.8396% | 6,276 |
| Retained earnings to average equity (ytd only) | 0.8396% | 5,829 |
| Net charge-offs to loans | 0.5098% | 2,081 |
| Credit loss provision to net charge-offs | 237.6426% | 1,163 |
| Earnings coverage of net charge-offs (x) | 3.3676% | 3,677 |
| Efficiency ratio | 61.2456% | 5,269 |
| Assets per employee ($millions) | 6.1788% | 1,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5015% | 209 |
| Loan loss allowance to noncurrent loans | 256.5844% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 2.1968% | 2,435 |
| Noncurrent loans to loans | 1.7544% | 3,148 |
| Net loans and leases to total assets | 75.6599% | 1,019 |
| Net loans and leases to deposits | 101.2933% | 386 |
| Net loans and leases to core deposits | 104.6459% | 829 |
| Total domestic deposits to total assets | 74.6938% | 6,544 |
| Equity capital to assets | 24.8619% | 111 |
| Core capital (leverage) ratio | 24.8619% | 99 |
| Tier 1 risk-based capital ratio | 44.7222% | 179 |
| Total risk-based capital ratio | 45.9686% | 177 |
| Memoranda: | ||
| Average total assets | $262,075,250 | 2,437 |
| Average earning assets | $245,815,750 | 2,393 |
| Average equity | $64,316,750 | 1,112 |
| Average total loans | $206,364,250 | 1,970 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2807% | 4,643 |
| Cost of funding earning assets | 0.4351% | 6,070 |
| Net interest margin | 3.8456% | 3,153 |
| Noninterest income to average assets | -0.0274% | 7,031 |
| Noninterest expense to average assets | 2.1489% | 6,125 |
| Loan and lease loss provision to assets | 1.0421% | 417 |
| Net operating income to assets | 0.2054% | 5,895 |
| Return on assets (ROA) | 0.2054% | 6,082 |
| Pretax return on assets | 0.3986% | 5,714 |
| Return on Equity (ROE) | 0.8405% | 6,326 |
| Retained earnings to average equity (ytd only) | 0.8405% | 5,728 |
| Net charge-offs to loans | 0.6950% | 1,594 |
| Credit loss provision to net charge-offs | 190.8078% | 1,484 |
| Earnings coverage of net charge-offs (x) | 2.6379% | 3,690 |
| Efficiency ratio | 59.8644% | 5,599 |
| Assets per employee ($millions) | 6.3277% | 1,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3083% | 269 |
| Loan loss allowance to noncurrent loans | 185.2762% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 1.7914% | 3,051 |
| Noncurrent loans to loans | 2.3253% | 2,571 |
| Net loans and leases to total assets | 73.7214% | 1,291 |
| Net loans and leases to deposits | 99.2654% | 453 |
| Net loans and leases to core deposits | 102.0857% | 976 |
| Total domestic deposits to total assets | 74.2670% | 6,657 |
| Equity capital to assets | 24.2264% | 110 |
| Core capital (leverage) ratio | 24.2264% | 102 |
| Tier 1 risk-based capital ratio | 45.4372% | 168 |
| Total risk-based capital ratio | 46.7294% | 167 |
| Memoranda: | ||
| Average total assets | $262,930,330 | 2,431 |
| Average earning assets | $247,296,000 | 2,376 |
| Average equity | $64,249,330 | 1,102 |
| Average total loans | $206,619,000 | 1,969 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4104% | 4,289 |
| Cost of funding earning assets | 0.4658% | 6,049 |
| Net interest margin | 3.9446% | 2,747 |
| Noninterest income to average assets | -0.1958% | 7,196 |
| Noninterest expense to average assets | 2.1062% | 6,260 |
| Loan and lease loss provision to assets | 0.9942% | 420 |
| Net operating income to assets | 0.2065% | 5,964 |
| Return on assets (ROA) | 0.2065% | 6,110 |
| Pretax return on assets | 0.4084% | 5,698 |
| Return on Equity (ROE) | 0.8414% | 6,380 |
| Retained earnings to average equity (ytd only) | 0.8414% | 5,722 |
| Net charge-offs to loans | 1.0002% | 1,035 |
| Credit loss provision to net charge-offs | 125.2408% | 1,905 |
| Earnings coverage of net charge-offs (x) | 1.7669% | 3,454 |
| Efficiency ratio | 60.0262% | 5,604 |
| Assets per employee ($millions) | 6.4387% | 1,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9946% | 370 |
| Loan loss allowance to noncurrent loans | 136.8057% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 2.2982% | 2,585 |
| Noncurrent loans to loans | 2.9199% | 2,221 |
| Net loans and leases to total assets | 75.5660% | 854 |
| Net loans and leases to deposits | 101.6401% | 318 |
| Net loans and leases to core deposits | 104.6002% | 735 |
| Total domestic deposits to total assets | 74.3466% | 6,717 |
| Equity capital to assets | 24.3381% | 106 |
| Core capital (leverage) ratio | 24.3381% | 104 |
| Tier 1 risk-based capital ratio | 45.1203% | 164 |
| Total risk-based capital ratio | 46.4265% | 163 |
| Memoranda: | ||
| Average total assets | $261,513,500 | 2,464 |
| Average earning assets | $245,599,500 | 2,404 |
| Average equity | $64,181,500 | 1,097 |
| Average total loans | $207,555,500 | 1,963 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5775% | 4,762 |
| Cost of funding earning assets | 0.5865% | 6,155 |
| Net interest margin | 3.9910% | 2,930 |
| Noninterest income to average assets | -0.1108% | 7,104 |
| Noninterest expense to average assets | 2.5317% | 5,344 |
| Loan and lease loss provision to assets | 0.8036% | 1,220 |
| Net operating income to assets | 0.1428% | 5,759 |
| Return on assets (ROA) | 0.1428% | 5,894 |
| Pretax return on assets | 0.2857% | 5,599 |
| Return on Equity (ROE) | 0.5867% | 6,039 |
| Retained earnings to average equity (ytd only) | 0.5867% | 5,569 |
| Net charge-offs to loans | 0.7173% | 2,365 |
| Credit loss provision to net charge-offs | 138.1794% | 2,145 |
| Earnings coverage of net charge-offs (x) | 1.8730% | 4,370 |
| Efficiency ratio | 69.9169% | 3,979 |
| Assets per employee ($millions) | 6.4761% | 972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2901% | 1,630 |
| Loan loss allowance to noncurrent loans | 84.7857% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 2.9424% | 2,041 |
| Noncurrent loans to loans | 2.7010% | 2,403 |
| Net loans and leases to total assets | 78.2035% | 688 |
| Net loans and leases to deposits | 104.7212% | 288 |
| Net loans and leases to core deposits | 107.4992% | 731 |
| Total domestic deposits to total assets | 74.6779% | 6,653 |
| Equity capital to assets | 24.7504% | 108 |
| Core capital (leverage) ratio | 24.7504% | 105 |
| Tier 1 risk-based capital ratio | 44.3585% | 173 |
| Total risk-based capital ratio | 45.6336% | 171 |
| Memoranda: | ||
| Average total assets | $262,552,600 | 2,407 |
| Average earning assets | $245,504,000 | 2,341 |
| Average equity | $63,922,000 | 1,053 |
| Average total loans | $212,892,800 | 1,932 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6155% | 4,806 |
| Cost of funding earning assets | 0.6083% | 6,253 |
| Net interest margin | 4.0072% | 2,888 |
| Noninterest income to average assets | -0.1260% | 7,227 |
| Noninterest expense to average assets | 2.2113% | 6,253 |
| Loan and lease loss provision to assets | 1.1211% | 723 |
| Net operating income to assets | 0.1367% | 5,869 |
| Return on assets (ROA) | 0.1367% | 5,998 |
| Pretax return on assets | 0.2860% | 5,734 |
| Return on Equity (ROE) | 0.5636% | 6,160 |
| Retained earnings to average equity (ytd only) | 0.5636% | 5,787 |
| Net charge-offs to loans | 1.4186% | 1,047 |
| Credit loss provision to net charge-offs | 97.1491% | 3,526 |
| Earnings coverage of net charge-offs (x) | 1.2193% | 4,708 |
| Efficiency ratio | 61.1134% | 5,546 |
| Assets per employee ($millions) | 6.5092% | 942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9445% | 2,490 |
| Loan loss allowance to noncurrent loans | 129.7879% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 2.1113% | 3,017 |
| Noncurrent loans to loans | 1.4982% | 4,046 |
| Net loans and leases to total assets | 79.4079% | 571 |
| Net loans and leases to deposits | 105.8703% | 254 |
| Net loans and leases to core deposits | 108.8111% | 733 |
| Total domestic deposits to total assets | 75.0049% | 6,637 |
| Equity capital to assets | 24.5841% | 122 |
| Core capital (leverage) ratio | 24.5841% | 117 |
| Tier 1 risk-based capital ratio | 43.8100% | 191 |
| Total risk-based capital ratio | 45.0789% | 189 |
| Memoranda: | ||
| Average total assets | $263,430,250 | 2,409 |
| Average earning assets | $246,150,750 | 2,347 |
| Average equity | $63,874,000 | 1,062 |
| Average total loans | $214,284,000 | 1,935 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6378% | 4,803 |
| Cost of funding earning assets | 0.6358% | 6,294 |
| Net interest margin | 4.0020% | 2,826 |
| Noninterest income to average assets | -0.0227% | 7,229 |
| Noninterest expense to average assets | 2.1758% | 6,438 |
| Loan and lease loss provision to assets | 1.2554% | 604 |
| Net operating income to assets | 0.1361% | 5,919 |
| Return on assets (ROA) | 0.1361% | 6,014 |
| Pretax return on assets | 0.2828% | 5,704 |
| Return on Equity (ROE) | 0.5640% | 6,172 |
| Retained earnings to average equity (ytd only) | 0.5640% | 5,625 |
| Net charge-offs to loans | 1.7277% | 826 |
| Credit loss provision to net charge-offs | 89.1994% | 3,474 |
| Earnings coverage of net charge-offs (x) | 1.0930% | 4,459 |
| Efficiency ratio | 58.5828% | 6,089 |
| Assets per employee ($millions) | 6.4798% | 937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8653% | 2,781 |
| Loan loss allowance to noncurrent loans | 172.1233% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 2.0337% | 3,188 |
| Noncurrent loans to loans | 1.0837% | 4,855 |
| Net loans and leases to total assets | 78.5002% | 706 |
| Net loans and leases to deposits | 103.8776% | 320 |
| Net loans and leases to core deposits | 106.6222% | 893 |
| Total domestic deposits to total assets | 75.5699% | 6,664 |
| Equity capital to assets | 24.0594% | 134 |
| Core capital (leverage) ratio | 24.0594% | 124 |
| Tier 1 risk-based capital ratio | 43.0309% | 203 |
| Total risk-based capital ratio | 44.2986% | 200 |
| Memoranda: | ||
| Average total assets | $264,451,330 | 2,410 |
| Average earning assets | $246,928,670 | 2,357 |
| Average equity | $63,829,000 | 1,060 |
| Average total loans | $215,428,000 | 1,942 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6865% | 4,581 |
| Cost of funding earning assets | 0.6642% | 6,324 |
| Net interest margin | 4.0223% | 2,596 |
| Noninterest income to average assets | -0.0606% | 7,365 |
| Noninterest expense to average assets | 2.1786% | 6,468 |
| Loan and lease loss provision to assets | 1.2280% | 571 |
| Net operating income to assets | 0.1364% | 5,985 |
| Return on assets (ROA) | 0.1364% | 6,043 |
| Pretax return on assets | 0.2881% | 5,692 |
| Return on Equity (ROE) | 0.5644% | 6,252 |
| Retained earnings to average equity (ytd only) | 0.5644% | 5,605 |
| Net charge-offs to loans | 2.1228% | 586 |
| Credit loss provision to net charge-offs | 70.3736% | 3,345 |
| Earnings coverage of net charge-offs (x) | 0.8688% | 3,993 |
| Efficiency ratio | 58.9659% | 6,133 |
| Assets per employee ($millions) | 6.3239% | 1,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7729% | 3,093 |
| Loan loss allowance to noncurrent loans | 143.0067% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 2.0734% | 3,229 |
| Noncurrent loans to loans | 1.2398% | 4,615 |
| Net loans and leases to total assets | 79.7667% | 531 |
| Net loans and leases to deposits | 105.4050% | 266 |
| Net loans and leases to core deposits | 108.3283% | 828 |
| Total domestic deposits to total assets | 75.6764% | 6,719 |
| Equity capital to assets | 24.0318% | 130 |
| Core capital (leverage) ratio | 24.0318% | 123 |
| Tier 1 risk-based capital ratio | 42.1222% | 208 |
| Total risk-based capital ratio | 43.3721% | 204 |
| Memoranda: | ||
| Average total assets | $263,841,000 | 2,438 |
| Average earning assets | $246,324,000 | 2,385 |
| Average equity | $63,784,000 | 1,051 |
| Average total loans | $216,883,500 | 1,950 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7703% | 5,531 |
| Cost of funding earning assets | 0.7969% | 6,580 |
| Net interest margin | 3.9734% | 3,130 |
| Noninterest income to average assets | -0.2664% | 7,500 |
| Noninterest expense to average assets | 2.1790% | 6,671 |
| Loan and lease loss provision to assets | 2.7186% | 385 |
| Net operating income to assets | -0.9948% | 6,680 |
| Return on assets (ROA) | -0.9948% | 6,723 |
| Pretax return on assets | -1.4288% | 6,828 |
| Return on Equity (ROE) | -4.0571% | 6,360 |
| Retained earnings to average equity (ytd only) | -4.0571% | 6,206 |
| Net charge-offs to loans | 1.7395% | 1,240 |
| Credit loss provision to net charge-offs | 187.5417% | 1,732 |
| Earnings coverage of net charge-offs (x) | 0.8898% | 5,228 |
| Efficiency ratio | 62.8174% | 5,551 |
| Assets per employee ($millions) | 6.0949% | 1,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9098% | 2,535 |
| Loan loss allowance to noncurrent loans | 111.6024% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 2.6065% | 2,675 |
| Noncurrent loans to loans | 1.7113% | 3,935 |
| Net loans and leases to total assets | 81.6224% | 482 |
| Net loans and leases to deposits | 108.5851% | 257 |
| Net loans and leases to core deposits | 111.6466% | 835 |
| Total domestic deposits to total assets | 75.1690% | 6,746 |
| Equity capital to assets | 24.3204% | 131 |
| Core capital (leverage) ratio | 24.3204% | 128 |
| Tier 1 risk-based capital ratio | 41.5590% | 222 |
| Total risk-based capital ratio | 42.8089% | 215 |
| Memoranda: | ||
| Average total assets | $269,109,400 | 2,367 |
| Average earning assets | $252,983,600 | 2,318 |
| Average equity | $65,982,600 | 1,017 |
| Average total loans | $224,263,000 | 1,940 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7900% | 5,705 |
| Cost of funding earning assets | 0.8141% | 6,715 |
| Net interest margin | 3.9759% | 3,207 |
| Noninterest income to average assets | -0.3224% | 7,638 |
| Noninterest expense to average assets | 2.1388% | 6,761 |
| Loan and lease loss provision to assets | 1.0327% | 1,431 |
| Net operating income to assets | 0.1181% | 5,726 |
| Return on assets (ROA) | 0.1181% | 5,887 |
| Pretax return on assets | 0.2515% | 5,612 |
| Return on Equity (ROE) | 0.4809% | 6,014 |
| Retained earnings to average equity (ytd only) | 0.4809% | 5,607 |
| Net charge-offs to loans | 1.1502% | 1,771 |
| Credit loss provision to net charge-offs | 107.7002% | 3,956 |
| Earnings coverage of net charge-offs (x) | 1.3393% | 4,744 |
| Efficiency ratio | 62.4820% | 5,523 |
| Assets per employee ($millions) | 6.0527% | 1,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4053% | 7,531 |
| Loan loss allowance to noncurrent loans | 20.6706% | 6,877 |
| Noncurrent assets plus other real estate owned to assets | 2.4722% | 2,894 |
| Noncurrent loans to loans | 1.9608% | 3,735 |
| Net loans and leases to total assets | 83.0418% | 405 |
| Net loans and leases to deposits | 111.4911% | 228 |
| Net loans and leases to core deposits | 114.6308% | 811 |
| Total domestic deposits to total assets | 74.4829% | 6,859 |
| Equity capital to assets | 25.0286% | 136 |
| Core capital (leverage) ratio | 25.0286% | 125 |
| Tier 1 risk-based capital ratio | 43.2337% | 201 |
| Total risk-based capital ratio | 43.8175% | 207 |
| Memoranda: | ||
| Average total assets | $270,866,750 | 2,383 |
| Average earning assets | $255,163,500 | 2,331 |
| Average equity | $66,543,500 | 1,005 |
| Average total loans | $225,808,500 | 1,953 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7916% | 5,824 |
| Cost of funding earning assets | 0.8361% | 6,803 |
| Net interest margin | 3.9554% | 3,223 |
| Noninterest income to average assets | -0.2658% | 7,701 |
| Noninterest expense to average assets | 2.1037% | 6,898 |
| Loan and lease loss provision to assets | 1.0852% | 1,324 |
| Net operating income to assets | 0.1322% | 5,778 |
| Return on assets (ROA) | 0.1322% | 5,886 |
| Pretax return on assets | 0.2724% | 5,584 |
| Return on Equity (ROE) | 0.5413% | 6,074 |
| Retained earnings to average equity (ytd only) | 0.5413% | 5,545 |
| Net charge-offs to loans | 1.2138% | 1,571 |
| Credit loss provision to net charge-offs | 107.2569% | 3,800 |
| Earnings coverage of net charge-offs (x) | 1.3418% | 4,483 |
| Efficiency ratio | 60.7764% | 5,901 |
| Assets per employee ($millions) | 6.1893% | 1,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3794% | 7,609 |
| Loan loss allowance to noncurrent loans | 16.6471% | 7,082 |
| Noncurrent assets plus other real estate owned to assets | 2.7390% | 2,644 |
| Noncurrent loans to loans | 2.2792% | 3,396 |
| Net loans and leases to total assets | 81.9495% | 536 |
| Net loans and leases to deposits | 109.1978% | 295 |
| Net loans and leases to core deposits | 111.8034% | 1,046 |
| Total domestic deposits to total assets | 75.0468% | 6,849 |
| Equity capital to assets | 24.4542% | 141 |
| Core capital (leverage) ratio | 24.4542% | 133 |
| Tier 1 risk-based capital ratio | 42.6802% | 209 |
| Total risk-based capital ratio | 43.2249% | 212 |
| Memoranda: | ||
| Average total assets | $272,382,670 | 2,394 |
| Average earning assets | $256,659,670 | 2,337 |
| Average equity | $66,506,000 | 997 |
| Average total loans | $227,059,330 | 1,964 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8259% | 5,784 |
| Cost of funding earning assets | 0.8841% | 6,829 |
| Net interest margin | 3.9418% | 3,144 |
| Noninterest income to average assets | -0.2438% | 7,814 |
| Noninterest expense to average assets | 2.1174% | 6,890 |
| Loan and lease loss provision to assets | 1.0763% | 1,148 |
| Net operating income to assets | 0.1322% | 5,918 |
| Return on assets (ROA) | 0.1322% | 6,039 |
| Pretax return on assets | 0.2746% | 5,675 |
| Return on Equity (ROE) | 0.5417% | 6,254 |
| Retained earnings to average equity (ytd only) | 0.5417% | 5,610 |
| Net charge-offs to loans | 1.1952% | 1,424 |
| Credit loss provision to net charge-offs | 107.3206% | 3,203 |
| Earnings coverage of net charge-offs (x) | 1.3470% | 3,937 |
| Efficiency ratio | 61.0500% | 5,994 |
| Assets per employee ($millions) | 6.0644% | 1,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3534% | 7,719 |
| Loan loss allowance to noncurrent loans | 15.1774% | 7,196 |
| Noncurrent assets plus other real estate owned to assets | 2.8608% | 2,526 |
| Noncurrent loans to loans | 2.3286% | 3,354 |
| Net loans and leases to total assets | 82.6526% | 517 |
| Net loans and leases to deposits | 109.7857% | 295 |
| Net loans and leases to core deposits | 112.2408% | 1,146 |
| Total domestic deposits to total assets | 75.2854% | 6,866 |
| Equity capital to assets | 24.3702% | 156 |
| Core capital (leverage) ratio | 24.3702% | 143 |
| Tier 1 risk-based capital ratio | 42.2019% | 224 |
| Total risk-based capital ratio | 42.7096% | 225 |
| Memoranda: | ||
| Average total assets | $272,409,000 | 2,453 |
| Average earning assets | $256,530,500 | 2,387 |
| Average equity | $66,461,000 | 1,002 |
| Average total loans | $228,577,500 | 2,003 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0393% | 6,308 |
| Cost of funding earning assets | 1.2730% | 6,403 |
| Net interest margin | 3.7663% | 3,846 |
| Noninterest income to average assets | -0.0841% | 7,794 |
| Noninterest expense to average assets | 2.2415% | 6,892 |
| Loan and lease loss provision to assets | 0.9770% | 2,313 |
| Net operating income to assets | 0.1311% | 5,110 |
| Return on assets (ROA) | 0.1311% | 5,167 |
| Pretax return on assets | 0.2648% | 4,859 |
| Return on Equity (ROE) | 0.5385% | 5,372 |
| Retained earnings to average equity (ytd only) | 0.5385% | 4,603 |
| Net charge-offs to loans | 1.3375% | 1,865 |
| Credit loss provision to net charge-offs | 84.3641% | 6,175 |
| Earnings coverage of net charge-offs (x) | 1.0723% | 5,040 |
| Efficiency ratio | 64.3505% | 5,706 |
| Assets per employee ($millions) | 5.7855% | 1,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3250% | 7,813 |
| Loan loss allowance to noncurrent loans | 13.1372% | 7,304 |
| Noncurrent assets plus other real estate owned to assets | 3.0380% | 2,298 |
| Noncurrent loans to loans | 2.4736% | 3,072 |
| Net loans and leases to total assets | 84.6013% | 385 |
| Net loans and leases to deposits | 112.9925% | 288 |
| Net loans and leases to core deposits | 133.2270% | 1,097 |
| Total domestic deposits to total assets | 74.8734% | 6,887 |
| Equity capital to assets | 24.4249% | 175 |
| Core capital (leverage) ratio | 24.4249% | 163 |
| Tier 1 risk-based capital ratio | 41.5240% | 225 |
| Total risk-based capital ratio | 41.9929% | 236 |
| Memoranda: | ||
| Average total assets | $272,269,000 | 2,404 |
| Average earning assets | $257,894,400 | 2,345 |
| Average equity | $66,293,000 | 996 |
| Average total loans | $235,736,000 | 1,990 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0704% | 6,379 |
| Cost of funding earning assets | 1.3324% | 6,459 |
| Net interest margin | 3.7380% | 3,918 |
| Noninterest income to average assets | -0.0538% | 7,903 |
| Noninterest expense to average assets | 2.2744% | 6,768 |
| Loan and lease loss provision to assets | 0.8983% | 2,140 |
| Net operating income to assets | 0.1630% | 5,279 |
| Return on assets (ROA) | 0.1630% | 5,338 |
| Pretax return on assets | 0.3197% | 5,007 |
| Return on Equity (ROE) | 0.6700% | 5,585 |
| Retained earnings to average equity (ytd only) | 0.6700% | 4,911 |
| Net charge-offs to loans | 1.2440% | 1,642 |
| Credit loss provision to net charge-offs | 82.9941% | 5,681 |
| Earnings coverage of net charge-offs (x) | 1.1253% | 4,935 |
| Efficiency ratio | 65.1248% | 5,527 |
| Assets per employee ($millions) | 5.8173% | 1,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3700% | 7,847 |
| Loan loss allowance to noncurrent loans | 12.6274% | 7,395 |
| Noncurrent assets plus other real estate owned to assets | 3.0284% | 2,290 |
| Noncurrent loans to loans | 2.9298% | 2,603 |
| Net loans and leases to total assets | 85.3949% | 396 |
| Net loans and leases to deposits | 113.6598% | 342 |
| Net loans and leases to core deposits | 134.6894% | 1,168 |
| Total domestic deposits to total assets | 75.1320% | 6,745 |
| Equity capital to assets | 24.2828% | 188 |
| Core capital (leverage) ratio | 24.2828% | 183 |
| Tier 1 risk-based capital ratio | 41.1892% | 265 |
| Total risk-based capital ratio | 41.7271% | 274 |
| Memoranda: | ||
| Average total assets | $272,356,500 | 2,408 |
| Average earning assets | $258,383,250 | 2,352 |
| Average equity | $66,262,250 | 1,010 |
| Average total loans | $236,970,750 | 2,005 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1204% | 6,353 |
| Cost of funding earning assets | 1.3932% | 6,506 |
| Net interest margin | 3.7272% | 3,849 |
| Noninterest income to average assets | -0.0441% | 8,004 |
| Noninterest expense to average assets | 2.2970% | 6,765 |
| Loan and lease loss provision to assets | 0.7978% | 2,095 |
| Net operating income to assets | 0.2132% | 5,215 |
| Return on assets (ROA) | 0.2132% | 5,294 |
| Pretax return on assets | 0.3978% | 4,939 |
| Return on Equity (ROE) | 0.8759% | 5,667 |
| Retained earnings to average equity (ytd only) | 0.8759% | 4,830 |
| Net charge-offs to loans | 1.2933% | 1,431 |
| Credit loss provision to net charge-offs | 70.5462% | 5,407 |
| Earnings coverage of net charge-offs (x) | 1.0572% | 4,730 |
| Efficiency ratio | 65.7684% | 5,586 |
| Assets per employee ($millions) | 5.7736% | 1,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3339% | 7,965 |
| Loan loss allowance to noncurrent loans | 15.7183% | 7,345 |
| Noncurrent assets plus other real estate owned to assets | 2.3133% | 2,813 |
| Noncurrent loans to loans | 2.1241% | 3,347 |
| Net loans and leases to total assets | 85.0980% | 490 |
| Net loans and leases to deposits | 112.8199% | 452 |
| Net loans and leases to core deposits | 132.8929% | 1,376 |
| Total domestic deposits to total assets | 75.4282% | 6,677 |
| Equity capital to assets | 23.9414% | 231 |
| Core capital (leverage) ratio | 23.9414% | 229 |
| Tier 1 risk-based capital ratio | 40.8299% | 287 |
| Total risk-based capital ratio | 41.3161% | 300 |
| Memoranda: | ||
| Average total assets | $272,004,670 | 2,431 |
| Average earning assets | $258,105,670 | 2,369 |
| Average equity | $66,219,000 | 1,017 |
| Average total loans | $237,845,330 | 2,021 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2000% | 6,296 |
| Cost of funding earning assets | 1.4518% | 6,566 |
| Net interest margin | 3.7483% | 3,662 |
| Noninterest income to average assets | -0.0371% | 8,108 |
| Noninterest expense to average assets | 2.1808% | 6,919 |
| Loan and lease loss provision to assets | 0.8313% | 1,562 |
| Net operating income to assets | 0.2821% | 5,360 |
| Return on assets (ROA) | 0.2821% | 5,529 |
| Pretax return on assets | 0.5077% | 5,061 |
| Return on Equity (ROE) | 1.1488% | 6,083 |
| Retained earnings to average equity (ytd only) | 1.1488% | 5,181 |
| Net charge-offs to loans | 1.5483% | 934 |
| Credit loss provision to net charge-offs | 60.6717% | 4,505 |
| Earnings coverage of net charge-offs (x) | 0.9772% | 4,284 |
| Efficiency ratio | 61.9570% | 6,055 |
| Assets per employee ($millions) | 5.5642% | 1,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3708% | 7,979 |
| Loan loss allowance to noncurrent loans | 15.6472% | 7,377 |
| Noncurrent assets plus other real estate owned to assets | 2.5190% | 2,278 |
| Noncurrent loans to loans | 2.3695% | 2,774 |
| Net loans and leases to total assets | 86.7336% | 363 |
| Net loans and leases to deposits | 115.5380% | 400 |
| Net loans and leases to core deposits | 132.1689% | 1,526 |
| Total domestic deposits to total assets | 75.0693% | 6,702 |
| Equity capital to assets | 24.2987% | 240 |
| Core capital (leverage) ratio | 24.2987% | 248 |
| Tier 1 risk-based capital ratio | 41.0208% | 303 |
| Total risk-based capital ratio | 41.5657% | 311 |
| Memoranda: | ||
| Average total assets | $269,441,500 | 2,470 |
| Average earning assets | $255,690,500 | 2,401 |
| Average equity | $66,154,000 | 1,021 |
| Average total loans | $238,456,500 | 2,037 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6031% | 7,052 |
| Cost of funding earning assets | 1.9627% | 6,527 |
| Net interest margin | 3.6405% | 4,721 |
| Noninterest income to average assets | 0.0135% | 8,054 |
| Noninterest expense to average assets | 2.2238% | 6,914 |
| Loan and lease loss provision to assets | 0.6914% | 2,116 |
| Net operating income to assets | 0.3382% | 5,406 |
| Return on assets (ROA) | 0.3382% | 5,227 |
| Pretax return on assets | 0.5610% | 4,812 |
| Return on Equity (ROE) | 1.3681% | 5,808 |
| Retained earnings to average equity (ytd only) | 1.3681% | 4,398 |
| Net charge-offs to loans | 0.5734% | 2,097 |
| Credit loss provision to net charge-offs | 137.0067% | 3,888 |
| Earnings coverage of net charge-offs (x) | 2.4818% | 4,831 |
| Efficiency ratio | 63.9715% | 5,567 |
| Assets per employee ($millions) | 5.4334% | 1,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5189% | 7,822 |
| Loan loss allowance to noncurrent loans | 29.0692% | 6,757 |
| Noncurrent assets plus other real estate owned to assets | 2.0977% | 2,343 |
| Noncurrent loans to loans | 1.7849% | 3,084 |
| Net loans and leases to total assets | 89.5121% | 233 |
| Net loans and leases to deposits | 120.3270% | 382 |
| Net loans and leases to core deposits | 138.7260% | 1,331 |
| Total domestic deposits to total assets | 74.3907% | 6,582 |
| Equity capital to assets | 24.8119% | 270 |
| Core capital (leverage) ratio | 24.8119% | 268 |
| Tier 1 risk-based capital ratio | 41.3634% | 307 |
| Total risk-based capital ratio | 42.1417% | 311 |
| Memoranda: | ||
| Average total assets | $266,123,400 | 2,412 |
| Average earning assets | $253,125,600 | 2,342 |
| Average equity | $65,783,800 | 1,016 |
| Average total loans | $234,216,400 | 2,015 |