Home > Fairfield Federal Savings and Loan Association of Lancaster > Performance and Condition Ratios
Fairfield Federal Savings and Loan Association of Lancaster, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0735% | 3,849 |
| Cost of funding earning assets | 1.1626% | 2,900 |
| Net interest margin | 2.9108% | 3,458 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 3.9108% | 392 |
| Loan and lease loss provision to assets | -0.0400% | 4,399 |
| Net operating income to assets | -0.6283% | 4,515 |
| Return on assets (ROA) | -0.6283% | 4,502 |
| Pretax return on assets | -0.8037% | 4,510 |
| Return on Equity (ROE) | -5.5400% | 4,474 |
| Retained earnings to average equity (ytd only) | -5.5373% | 4,402 |
| Net charge-offs to loans | -0.0180% | 4,131 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 127.4233% | 66 |
| Assets per employee ($millions) | 5.5473% | 3,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4668% | 4,358 |
| Loan loss allowance to noncurrent loans | 123.5043% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 0.3375% | 1,606 |
| Noncurrent loans to loans | 0.3780% | 1,852 |
| Net loans and leases to total assets | 88.8600% | 60 |
| Net loans and leases to deposits | 101.5655% | 455 |
| Net loans and leases to core deposits | 109.4228% | 976 |
| Total domestic deposits to total assets | 87.4900% | 1,521 |
| Equity capital to assets | 11.0284% | 1,468 |
| Core capital (leverage) ratio | 11.2393% | 1,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $279,331,400 | 2,532 |
| Average earning assets | $270,677,200 | 2,461 |
| Average equity | $31,694,000 | 2,192 |
| Average total loans | $244,847,000 | 2,032 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9754% | 3,891 |
| Cost of funding earning assets | 1.0770% | 2,807 |
| Net interest margin | 2.8984% | 3,547 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 4.3164% | 302 |
| Loan and lease loss provision to assets | -0.0600% | 4,495 |
| Net operating income to assets | -0.9477% | 4,566 |
| Return on assets (ROA) | -0.9477% | 4,560 |
| Pretax return on assets | -1.2093% | 4,564 |
| Return on Equity (ROE) | -8.3000% | 4,531 |
| Retained earnings to average equity (ytd only) | -8.2950% | 4,488 |
| Net charge-offs to loans | -0.0344% | 4,280 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 141.6354% | 48 |
| Assets per employee ($millions) | 5.8635% | 2,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4729% | 4,367 |
| Loan loss allowance to noncurrent loans | 113.0137% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 0.3872% | 1,487 |
| Noncurrent loans to loans | 0.4185% | 1,785 |
| Net loans and leases to total assets | 88.2000% | 71 |
| Net loans and leases to deposits | 99.5303% | 539 |
| Net loans and leases to core deposits | 106.6409% | 988 |
| Total domestic deposits to total assets | 88.6100% | 1,373 |
| Equity capital to assets | 10.9259% | 1,375 |
| Core capital (leverage) ratio | 11.0582% | 1,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $279,822,750 | 2,527 |
| Average earning assets | $271,127,250 | 2,463 |
| Average equity | $31,970,250 | 2,169 |
| Average total loans | $244,153,250 | 2,032 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9446% | 3,797 |
| Cost of funding earning assets | 0.9621% | 2,730 |
| Net interest margin | 2.9825% | 3,478 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 2.4570% | 2,324 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5483% | 3,703 |
| Return on assets (ROA) | 0.5483% | 3,712 |
| Pretax return on assets | 0.6820% | 3,636 |
| Return on Equity (ROE) | 4.7300% | 3,918 |
| Retained earnings to average equity (ytd only) | 4.7315% | 3,018 |
| Net charge-offs to loans | 0.0500% | 1,015 |
| Credit loss provision to net charge-offs | -8.1967% | 4,501 |
| Earnings coverage of net charge-offs (x) | 15.6393% | 1,846 |
| Efficiency ratio | 78.3624% | 977 |
| Assets per employee ($millions) | 5.6188% | 3,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4722% | 4,401 |
| Loan loss allowance to noncurrent loans | 89.6498% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 0.4574% | 1,175 |
| Noncurrent loans to loans | 0.5267% | 1,412 |
| Net loans and leases to total assets | 86.4300% | 134 |
| Net loans and leases to deposits | 98.5099% | 582 |
| Net loans and leases to core deposits | 104.9302% | 1,018 |
| Total domestic deposits to total assets | 87.7400% | 1,695 |
| Equity capital to assets | 11.6729% | 1,145 |
| Core capital (leverage) ratio | 12.0412% | 1,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $281,236,000 | 2,524 |
| Average earning assets | $272,527,333 | 2,461 |
| Average equity | $32,590,333 | 2,160 |
| Average total loans | $244,133,333 | 2,031 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9388% | 3,590 |
| Cost of funding earning assets | 0.8089% | 2,698 |
| Net interest margin | 3.1299% | 3,289 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 2.4493% | 2,372 |
| Loan and lease loss provision to assets | -0.0100% | 4,432 |
| Net operating income to assets | 0.7037% | 3,456 |
| Return on assets (ROA) | 0.7037% | 3,409 |
| Pretax return on assets | 0.8728% | 3,306 |
| Return on Equity (ROE) | 6.0900% | 3,698 |
| Retained earnings to average equity (ytd only) | 6.0945% | 2,738 |
| Net charge-offs to loans | 0.0917% | 625 |
| Credit loss provision to net charge-offs | -17.8571% | 4,569 |
| Earnings coverage of net charge-offs (x) | 10.7857% | 1,647 |
| Efficiency ratio | 74.0438% | 1,336 |
| Assets per employee ($millions) | 5.4133% | 3,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4692% | 4,458 |
| Loan loss allowance to noncurrent loans | 97.7929% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 0.4185% | 1,233 |
| Noncurrent loans to loans | 0.4798% | 1,512 |
| Net loans and leases to total assets | 86.8100% | 112 |
| Net loans and leases to deposits | 98.9845% | 487 |
| Net loans and leases to core deposits | 104.9874% | 875 |
| Total domestic deposits to total assets | 87.7000% | 2,024 |
| Equity capital to assets | 11.5694% | 1,134 |
| Core capital (leverage) ratio | 12.0753% | 1,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $281,383,000 | 2,550 |
| Average earning assets | $272,466,500 | 2,493 |
| Average equity | $32,488,500 | 2,187 |
| Average total loans | $244,215,000 | 2,049 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4788% | 3,136 |
| Cost of funding earning assets | 0.3861% | 2,208 |
| Net interest margin | 3.0927% | 3,194 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 2.5308% | 2,022 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5276% | 4,038 |
| Return on assets (ROA) | 0.5276% | 3,997 |
| Pretax return on assets | 0.6632% | 3,920 |
| Return on Equity (ROE) | 4.7700% | 4,052 |
| Retained earnings to average equity (ytd only) | 4.7667% | 3,149 |
| Net charge-offs to loans | 0.0013% | 2,521 |
| Credit loss provision to net charge-offs | -166.6667% | 4,594 |
| Earnings coverage of net charge-offs (x) | 634.0000% | 271 |
| Efficiency ratio | 79.2788% | 770 |
| Assets per employee ($millions) | 5.3070% | 3,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2956% | 4,552 |
| Loan loss allowance to noncurrent loans | 37.8293% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 0.6748% | 731 |
| Noncurrent loans to loans | 0.7814% | 951 |
| Net loans and leases to total assets | 86.1000% | 152 |
| Net loans and leases to deposits | 97.9614% | 524 |
| Net loans and leases to core deposits | 102.5730% | 871 |
| Total domestic deposits to total assets | 87.9000% | 2,105 |
| Equity capital to assets | 11.5226% | 1,079 |
| Core capital (leverage) ratio | 11.6330% | 1,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $287,532,000 | 2,515 |
| Average earning assets | $277,655,400 | 2,455 |
| Average equity | $31,825,000 | 2,254 |
| Average total loans | $233,747,200 | 2,034 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3667% | 2,998 |
| Cost of funding earning assets | 0.3383% | 1,794 |
| Net interest margin | 3.0284% | 3,147 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 2.5347% | 1,911 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4695% | 4,132 |
| Return on assets (ROA) | 0.4695% | 4,081 |
| Pretax return on assets | 0.5894% | 4,009 |
| Return on Equity (ROE) | 4.2800% | 4,108 |
| Retained earnings to average equity (ytd only) | 4.2846% | 3,352 |
| Net charge-offs to loans | -0.0006% | 3,139 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 81.2417% | 700 |
| Assets per employee ($millions) | 5.6429% | 3,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3032% | 4,587 |
| Loan loss allowance to noncurrent loans | 42.8401% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 0.5824% | 909 |
| Noncurrent loans to loans | 0.7077% | 1,156 |
| Net loans and leases to total assets | 82.0400% | 375 |
| Net loans and leases to deposits | 92.9929% | 701 |
| Net loans and leases to core deposits | 96.8049% | 961 |
| Total domestic deposits to total assets | 88.2300% | 2,350 |
| Equity capital to assets | 11.0717% | 1,150 |
| Core capital (leverage) ratio | 11.2953% | 1,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $289,096,750 | 2,523 |
| Average earning assets | $279,037,750 | 2,464 |
| Average equity | $31,678,750 | 2,288 |
| Average total loans | $231,458,250 | 2,044 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2749% | 2,814 |
| Cost of funding earning assets | 0.3180% | 1,545 |
| Net interest margin | 2.9568% | 3,018 |
| Noninterest income to average assets | 0.1989% | 4,005 |
| Noninterest expense to average assets | 2.5759% | 1,710 |
| Loan and lease loss provision to assets | -0.0062% | 4,383 |
| Net operating income to assets | 0.3834% | 4,138 |
| Return on assets (ROA) | 0.3834% | 4,087 |
| Pretax return on assets | 0.4808% | 4,030 |
| Return on Equity (ROE) | 3.5107% | 4,132 |
| Retained earnings to average equity (ytd only) | 3.5107% | 3,272 |
| Net charge-offs to loans | -0.0078% | 3,498 |
| Credit loss provision to net charge-offs | 100.0000% | 1,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4429% | 656 |
| Assets per employee ($millions) | 5.7162% | 3,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3120% | 4,655 |
| Loan loss allowance to noncurrent loans | 45.6317% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 0.5457% | 1,043 |
| Noncurrent loans to loans | 0.6837% | 1,262 |
| Net loans and leases to total assets | 79.5792% | 437 |
| Net loans and leases to deposits | 90.0759% | 716 |
| Net loans and leases to core deposits | 94.0237% | 910 |
| Total domestic deposits to total assets | 88.3469% | 2,441 |
| Equity capital to assets | 10.8697% | 1,272 |
| Core capital (leverage) ratio | 11.0525% | 1,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $289,533,333 | 2,536 |
| Average earning assets | $279,218,667 | 2,488 |
| Average equity | $31,617,333 | 2,337 |
| Average total loans | $229,668,333 | 2,053 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2283% | 2,604 |
| Cost of funding earning assets | 0.3090% | 1,563 |
| Net interest margin | 2.9193% | 2,770 |
| Noninterest income to average assets | 0.2038% | 3,942 |
| Noninterest expense to average assets | 2.6201% | 1,552 |
| Loan and lease loss provision to assets | -0.0014% | 4,392 |
| Net operating income to assets | 0.3202% | 4,103 |
| Return on assets (ROA) | 0.3202% | 4,070 |
| Pretax return on assets | 0.4006% | 4,031 |
| Return on Equity (ROE) | 2.9257% | 4,106 |
| Retained earnings to average equity (ytd only) | 2.9257% | 3,288 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7769% | 687 |
| Assets per employee ($millions) | 5.9068% | 2,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3165% | 4,680 |
| Loan loss allowance to noncurrent loans | 56.5082% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 0.4433% | 1,379 |
| Noncurrent loans to loans | 0.5601% | 1,640 |
| Net loans and leases to total assets | 78.8963% | 303 |
| Net loans and leases to deposits | 89.3830% | 545 |
| Net loans and leases to core deposits | 93.4173% | 755 |
| Total domestic deposits to total assets | 88.2678% | 2,399 |
| Equity capital to assets | 10.8782% | 1,394 |
| Core capital (leverage) ratio | 11.1045% | 1,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $288,536,500 | 2,558 |
| Average earning assets | $278,287,000 | 2,509 |
| Average equity | $31,582,000 | 2,408 |
| Average total loans | $228,142,000 | 2,059 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3708% | 3,002 |
| Cost of funding earning assets | 0.4569% | 1,150 |
| Net interest margin | 2.9139% | 3,413 |
| Noninterest income to average assets | 0.1916% | 4,207 |
| Noninterest expense to average assets | 2.7217% | 1,567 |
| Loan and lease loss provision to assets | -0.0028% | 4,140 |
| Net operating income to assets | 0.2246% | 4,510 |
| Return on assets (ROA) | 0.2246% | 4,527 |
| Pretax return on assets | 0.2793% | 4,508 |
| Return on Equity (ROE) | 2.0154% | 4,497 |
| Retained earnings to average equity (ytd only) | 2.0154% | 3,977 |
| Net charge-offs to loans | -0.0141% | 3,851 |
| Credit loss provision to net charge-offs | 25.0000% | 2,259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7800% | 306 |
| Assets per employee ($millions) | 5.6400% | 3,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3195% | 4,714 |
| Loan loss allowance to noncurrent loans | 39.9340% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 0.6320% | 1,042 |
| Noncurrent loans to loans | 0.8002% | 1,276 |
| Net loans and leases to total assets | 78.7377% | 338 |
| Net loans and leases to deposits | 89.3730% | 586 |
| Net loans and leases to core deposits | 93.5319% | 806 |
| Total domestic deposits to total assets | 88.1001% | 1,993 |
| Equity capital to assets | 11.0134% | 1,780 |
| Core capital (leverage) ratio | 11.1578% | 1,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $281,807,400 | 2,526 |
| Average earning assets | $271,421,000 | 2,476 |
| Average equity | $31,407,800 | 2,447 |
| Average total loans | $227,425,000 | 2,060 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4067% | 3,083 |
| Cost of funding earning assets | 0.5013% | 1,035 |
| Net interest margin | 2.9053% | 3,540 |
| Noninterest income to average assets | 0.1912% | 4,249 |
| Noninterest expense to average assets | 2.7337% | 1,504 |
| Loan and lease loss provision to assets | 0.0011% | 2,945 |
| Net operating income to assets | 0.2045% | 4,624 |
| Return on assets (ROA) | 0.2045% | 4,644 |
| Pretax return on assets | 0.2540% | 4,628 |
| Return on Equity (ROE) | 1.8294% | 4,619 |
| Retained earnings to average equity (ytd only) | 1.8294% | 4,241 |
| Net charge-offs to loans | -0.0281% | 4,105 |
| Credit loss provision to net charge-offs | -4.1667% | 3,039 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4704% | 287 |
| Assets per employee ($millions) | 5.4286% | 3,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3290% | 4,801 |
| Loan loss allowance to noncurrent loans | 37.8270% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 0.7043% | 1,057 |
| Noncurrent loans to loans | 0.8697% | 1,322 |
| Net loans and leases to total assets | 80.7060% | 258 |
| Net loans and leases to deposits | 92.0359% | 492 |
| Net loans and leases to core deposits | 96.2196% | 740 |
| Total domestic deposits to total assets | 87.6897% | 2,015 |
| Equity capital to assets | 11.1841% | 1,901 |
| Core capital (leverage) ratio | 11.2145% | 1,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $280,349,250 | 2,555 |
| Average earning assets | $269,934,750 | 2,508 |
| Average equity | $31,340,000 | 2,483 |
| Average total loans | $227,479,500 | 2,097 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4353% | 3,067 |
| Cost of funding earning assets | 0.5488% | 948 |
| Net interest margin | 2.8865% | 3,605 |
| Noninterest income to average assets | 0.1995% | 4,202 |
| Noninterest expense to average assets | 2.7879% | 1,381 |
| Loan and lease loss provision to assets | 0.0014% | 2,843 |
| Net operating income to assets | 0.1537% | 4,661 |
| Return on assets (ROA) | 0.1537% | 4,686 |
| Pretax return on assets | 0.1895% | 4,678 |
| Return on Equity (ROE) | 1.3754% | 4,662 |
| Retained earnings to average equity (ytd only) | 1.3754% | 4,265 |
| Net charge-offs to loans | -0.0423% | 4,292 |
| Credit loss provision to net charge-offs | -4.1667% | 2,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5910% | 264 |
| Assets per employee ($millions) | 5.6297% | 2,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3306% | 4,833 |
| Loan loss allowance to noncurrent loans | 38.3869% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 0.6959% | 1,184 |
| Noncurrent loans to loans | 0.8613% | 1,432 |
| Net loans and leases to total assets | 80.5313% | 283 |
| Net loans and leases to deposits | 91.8456% | 548 |
| Net loans and leases to core deposits | 96.4650% | 785 |
| Total domestic deposits to total assets | 87.6811% | 1,996 |
| Equity capital to assets | 11.1486% | 1,877 |
| Core capital (leverage) ratio | 11.0810% | 1,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $279,704,000 | 2,555 |
| Average earning assets | $269,323,333 | 2,509 |
| Average equity | $31,263,000 | 2,480 |
| Average total loans | $227,115,000 | 2,110 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4932% | 2,944 |
| Cost of funding earning assets | 0.5929% | 900 |
| Net interest margin | 2.9004% | 3,522 |
| Noninterest income to average assets | 0.2009% | 4,181 |
| Noninterest expense to average assets | 2.9037% | 1,147 |
| Loan and lease loss provision to assets | 0.0043% | 2,698 |
| Net operating income to assets | 0.0746% | 4,733 |
| Return on assets (ROA) | 0.0746% | 4,741 |
| Pretax return on assets | 0.0861% | 4,737 |
| Return on Equity (ROE) | 0.6666% | 4,737 |
| Retained earnings to average equity (ytd only) | 0.6666% | 4,278 |
| Net charge-offs to loans | -0.0529% | 4,417 |
| Credit loss provision to net charge-offs | -10.0000% | 2,693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9813% | 232 |
| Assets per employee ($millions) | 5.4328% | 3,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3261% | 4,864 |
| Loan loss allowance to noncurrent loans | 36.2247% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 0.7479% | 1,224 |
| Noncurrent loans to loans | 0.9002% | 1,505 |
| Net loans and leases to total assets | 79.5255% | 359 |
| Net loans and leases to deposits | 90.6028% | 671 |
| Net loans and leases to core deposits | 94.9271% | 928 |
| Total domestic deposits to total assets | 87.7738% | 1,969 |
| Equity capital to assets | 11.0503% | 1,822 |
| Core capital (leverage) ratio | 11.4047% | 1,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $278,812,500 | 2,549 |
| Average earning assets | $268,518,000 | 2,500 |
| Average equity | $31,203,500 | 2,478 |
| Average total loans | $226,954,000 | 2,111 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9700% | 2,822 |
| Cost of funding earning assets | 0.8048% | 1,186 |
| Net interest margin | 3.1652% | 3,450 |
| Noninterest income to average assets | 0.1678% | 4,451 |
| Noninterest expense to average assets | 2.9414% | 1,567 |
| Loan and lease loss provision to assets | 0.0074% | 4,261 |
| Net operating income to assets | 0.2136% | 4,555 |
| Return on assets (ROA) | 0.2136% | 4,615 |
| Pretax return on assets | 0.2649% | 4,590 |
| Return on Equity (ROE) | 1.8685% | 4,578 |
| Retained earnings to average equity (ytd only) | 1.8685% | 3,884 |
| Net charge-offs to loans | 0.0098% | 2,968 |
| Credit loss provision to net charge-offs | 86.9565% | 2,951 |
| Earnings coverage of net charge-offs (x) | 32.0435% | 1,551 |
| Efficiency ratio | 91.5258% | 328 |
| Assets per employee ($millions) | 5.3945% | 2,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3072% | 4,898 |
| Loan loss allowance to noncurrent loans | 31.2000% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 0.8178% | 1,249 |
| Noncurrent loans to loans | 0.9846% | 1,436 |
| Net loans and leases to total assets | 82.8030% | 242 |
| Net loans and leases to deposits | 94.7128% | 619 |
| Net loans and leases to core deposits | 99.3125% | 936 |
| Total domestic deposits to total assets | 87.4254% | 1,738 |
| Equity capital to assets | 11.3366% | 1,998 |
| Core capital (leverage) ratio | 11.3829% | 1,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $270,624,000 | 2,461 |
| Average earning assets | $260,426,200 | 2,396 |
| Average equity | $30,934,400 | 2,435 |
| Average total loans | $234,352,400 | 2,002 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0419% | 2,851 |
| Cost of funding earning assets | 0.8620% | 1,203 |
| Net interest margin | 3.1799% | 3,543 |
| Noninterest income to average assets | 0.1702% | 4,451 |
| Noninterest expense to average assets | 2.9451% | 1,574 |
| Loan and lease loss provision to assets | 0.0056% | 4,208 |
| Net operating income to assets | 0.2246% | 4,555 |
| Return on assets (ROA) | 0.2246% | 4,597 |
| Pretax return on assets | 0.2785% | 4,568 |
| Return on Equity (ROE) | 1.9608% | 4,553 |
| Retained earnings to average equity (ytd only) | 1.9608% | 3,948 |
| Net charge-offs to loans | 0.0079% | 2,834 |
| Credit loss provision to net charge-offs | 78.5714% | 2,768 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 1,340 |
| Efficiency ratio | 91.2058% | 337 |
| Assets per employee ($millions) | 5.3159% | 2,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2975% | 4,934 |
| Loan loss allowance to noncurrent loans | 30.0128% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 0.8627% | 1,345 |
| Noncurrent loans to loans | 0.9914% | 1,513 |
| Net loans and leases to total assets | 86.7667% | 116 |
| Net loans and leases to deposits | 99.6949% | 547 |
| Net loans and leases to core deposits | 104.3185% | 908 |
| Total domestic deposits to total assets | 87.0323% | 1,656 |
| Equity capital to assets | 11.4598% | 2,039 |
| Core capital (leverage) ratio | 11.3487% | 1,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $269,500,500 | 2,440 |
| Average earning assets | $259,244,750 | 2,377 |
| Average equity | $30,870,750 | 2,427 |
| Average total loans | $235,813,500 | 1,991 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1147% | 3,012 |
| Cost of funding earning assets | 0.9069% | 1,346 |
| Net interest margin | 3.2078% | 3,649 |
| Noninterest income to average assets | 0.1785% | 4,395 |
| Noninterest expense to average assets | 2.8866% | 1,864 |
| Loan and lease loss provision to assets | 0.0052% | 4,109 |
| Net operating income to assets | 0.2982% | 4,429 |
| Return on assets (ROA) | 0.2982% | 4,466 |
| Pretax return on assets | 0.3718% | 4,445 |
| Return on Equity (ROE) | 2.6035% | 4,428 |
| Retained earnings to average equity (ytd only) | 2.6035% | 3,549 |
| Net charge-offs to loans | 0.0085% | 2,642 |
| Credit loss provision to net charge-offs | 70.0000% | 2,547 |
| Earnings coverage of net charge-offs (x) | 50.7000% | 1,093 |
| Efficiency ratio | 88.4484% | 437 |
| Assets per employee ($millions) | 5.3122% | 2,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2989% | 4,959 |
| Loan loss allowance to noncurrent loans | 32.6208% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 0.7791% | 1,596 |
| Noncurrent loans to loans | 0.9162% | 1,681 |
| Net loans and leases to total assets | 84.7740% | 197 |
| Net loans and leases to deposits | 97.1346% | 719 |
| Net loans and leases to core deposits | 101.9429% | 1,119 |
| Total domestic deposits to total assets | 87.2748% | 1,512 |
| Equity capital to assets | 11.2315% | 2,159 |
| Core capital (leverage) ratio | 11.3766% | 1,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $268,963,333 | 2,417 |
| Average earning assets | $258,683,667 | 2,368 |
| Average equity | $30,804,667 | 2,424 |
| Average total loans | $235,772,333 | 1,978 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2087% | 3,183 |
| Cost of funding earning assets | 0.9604% | 1,602 |
| Net interest margin | 3.2484% | 3,732 |
| Noninterest income to average assets | 0.1960% | 4,375 |
| Noninterest expense to average assets | 3.0151% | 1,853 |
| Loan and lease loss provision to assets | 0.0166% | 3,588 |
| Net operating income to assets | 0.2291% | 4,477 |
| Return on assets (ROA) | 0.2291% | 4,500 |
| Pretax return on assets | 0.2849% | 4,476 |
| Return on Equity (ROE) | 1.9808% | 4,449 |
| Retained earnings to average equity (ytd only) | 1.9808% | 3,450 |
| Net charge-offs to loans | 0.0474% | 1,539 |
| Credit loss provision to net charge-offs | 39.2857% | 2,101 |
| Earnings coverage of net charge-offs (x) | 7.1429% | 1,941 |
| Efficiency ratio | 90.9091% | 462 |
| Assets per employee ($millions) | 5.2231% | 2,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2899% | 4,994 |
| Loan loss allowance to noncurrent loans | 38.8701% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 0.6859% | 1,949 |
| Noncurrent loans to loans | 0.7459% | 2,138 |
| Net loans and leases to total assets | 88.8287% | 56 |
| Net loans and leases to deposits | 102.2284% | 442 |
| Net loans and leases to core deposits | 107.7662% | 954 |
| Total domestic deposits to total assets | 86.8923% | 1,603 |
| Equity capital to assets | 11.5573% | 2,388 |
| Core capital (leverage) ratio | 11.5749% | 2,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $265,329,000 | 2,390 |
| Average earning assets | $254,898,500 | 2,345 |
| Average equity | $30,694,500 | 2,418 |
| Average total loans | $236,221,000 | 1,956 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3190% | 3,486 |
| Cost of funding earning assets | 0.9538% | 1,939 |
| Net interest margin | 3.3652% | 3,840 |
| Noninterest income to average assets | 0.1859% | 4,552 |
| Noninterest expense to average assets | 2.7920% | 2,627 |
| Loan and lease loss provision to assets | 0.0193% | 3,631 |
| Net operating income to assets | 0.4877% | 4,429 |
| Return on assets (ROA) | 0.4877% | 4,480 |
| Pretax return on assets | 0.6115% | 4,396 |
| Return on Equity (ROE) | 4.3025% | 4,397 |
| Retained earnings to average equity (ytd only) | 4.3025% | 2,807 |
| Net charge-offs to loans | 0.0265% | 2,864 |
| Credit loss provision to net charge-offs | 82.2581% | 2,765 |
| Earnings coverage of net charge-offs (x) | 26.8710% | 1,684 |
| Efficiency ratio | 81.5708% | 825 |
| Assets per employee ($millions) | 5.1820% | 2,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2998% | 5,043 |
| Loan loss allowance to noncurrent loans | 38.9073% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 0.7072% | 1,830 |
| Noncurrent loans to loans | 0.7706% | 1,971 |
| Net loans and leases to total assets | 88.7048% | 71 |
| Net loans and leases to deposits | 102.1299% | 463 |
| Net loans and leases to core deposits | 107.0520% | 1,042 |
| Total domestic deposits to total assets | 86.8549% | 1,684 |
| Equity capital to assets | 11.5798% | 2,461 |
| Core capital (leverage) ratio | 11.4695% | 2,133 |
| Tier 1 risk-based capital ratio | 23.4508% | 872 |
| Total risk-based capital ratio | 23.9911% | 925 |
| Memoranda: | ||
| Average total assets | $264,113,000 | 2,368 |
| Average earning assets | $254,041,600 | 2,311 |
| Average equity | $29,935,800 | 2,399 |
| Average total loans | $233,659,200 | 1,932 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3168% | 3,607 |
| Cost of funding earning assets | 0.9430% | 2,023 |
| Net interest margin | 3.3738% | 3,931 |
| Noninterest income to average assets | 0.1863% | 4,607 |
| Noninterest expense to average assets | 2.7961% | 2,569 |
| Loan and lease loss provision to assets | 0.0212% | 3,490 |
| Net operating income to assets | 0.4908% | 4,535 |
| Return on assets (ROA) | 0.4908% | 4,585 |
| Pretax return on assets | 0.6150% | 4,515 |
| Return on Equity (ROE) | 4.3534% | 4,519 |
| Retained earnings to average equity (ytd only) | 4.3534% | 3,222 |
| Net charge-offs to loans | 0.0291% | 2,509 |
| Credit loss provision to net charge-offs | 82.3529% | 2,475 |
| Earnings coverage of net charge-offs (x) | 24.7053% | 1,786 |
| Efficiency ratio | 81.4651% | 796 |
| Assets per employee ($millions) | 5.4229% | 2,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3008% | 5,115 |
| Loan loss allowance to noncurrent loans | 28.3026% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 0.9401% | 1,436 |
| Noncurrent loans to loans | 1.0627% | 1,503 |
| Net loans and leases to total assets | 88.1958% | 86 |
| Net loans and leases to deposits | 101.7745% | 517 |
| Net loans and leases to core deposits | 106.5900% | 1,140 |
| Total domestic deposits to total assets | 86.6581% | 1,706 |
| Equity capital to assets | 11.3936% | 2,744 |
| Core capital (leverage) ratio | 11.4066% | 2,293 |
| Tier 1 risk-based capital ratio | 23.1488% | 931 |
| Total risk-based capital ratio | 23.6891% | 989 |
| Memoranda: | ||
| Average total assets | $264,071,250 | 2,384 |
| Average earning assets | $254,068,500 | 2,326 |
| Average equity | $29,769,000 | 2,424 |
| Average total loans | $233,290,500 | 1,955 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3225% | 3,571 |
| Cost of funding earning assets | 0.9270% | 2,022 |
| Net interest margin | 3.3955% | 3,907 |
| Noninterest income to average assets | 0.1928% | 4,600 |
| Noninterest expense to average assets | 2.7990% | 2,590 |
| Loan and lease loss provision to assets | 0.0053% | 3,622 |
| Net operating income to assets | 0.5222% | 4,476 |
| Return on assets (ROA) | 0.5222% | 4,506 |
| Pretax return on assets | 0.6550% | 4,433 |
| Return on Equity (ROE) | 4.6486% | 4,432 |
| Retained earnings to average equity (ytd only) | 4.6486% | 2,949 |
| Net charge-offs to loans | 0.0069% | 2,904 |
| Credit loss provision to net charge-offs | 87.5000% | 2,156 |
| Earnings coverage of net charge-offs (x) | 108.7500% | 655 |
| Efficiency ratio | 80.9127% | 891 |
| Assets per employee ($millions) | 5.5023% | 1,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3062% | 5,167 |
| Loan loss allowance to noncurrent loans | 30.2581% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 0.8947% | 1,556 |
| Noncurrent loans to loans | 1.0119% | 1,620 |
| Net loans and leases to total assets | 88.1444% | 109 |
| Net loans and leases to deposits | 101.6567% | 565 |
| Net loans and leases to core deposits | 106.3757% | 1,223 |
| Total domestic deposits to total assets | 86.7079% | 1,727 |
| Equity capital to assets | 11.3513% | 2,742 |
| Core capital (leverage) ratio | 11.3118% | 2,326 |
| Tier 1 risk-based capital ratio | 23.0522% | 942 |
| Total risk-based capital ratio | 23.6015% | 997 |
| Memoranda: | ||
| Average total assets | $263,521,670 | 2,395 |
| Average earning assets | $253,510,670 | 2,337 |
| Average equity | $29,600,330 | 2,426 |
| Average total loans | $232,700,330 | 1,961 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3202% | 3,498 |
| Cost of funding earning assets | 0.9035% | 1,979 |
| Net interest margin | 3.4167% | 3,845 |
| Noninterest income to average assets | 0.2097% | 4,492 |
| Noninterest expense to average assets | 2.8675% | 2,366 |
| Loan and lease loss provision to assets | -0.0015% | 5,186 |
| Net operating income to assets | 0.5030% | 4,514 |
| Return on assets (ROA) | 0.5030% | 4,534 |
| Pretax return on assets | 0.6306% | 4,459 |
| Return on Equity (ROE) | 4.5018% | 4,467 |
| Retained earnings to average equity (ytd only) | 4.5018% | 3,122 |
| Net charge-offs to loans | -0.0017% | 3,843 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0078% | 871 |
| Assets per employee ($millions) | 5.3841% | 2,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3092% | 5,239 |
| Loan loss allowance to noncurrent loans | 34.6899% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 0.7823% | 1,802 |
| Noncurrent loans to loans | 0.8913% | 1,872 |
| Net loans and leases to total assets | 87.5074% | 120 |
| Net loans and leases to deposits | 100.8043% | 570 |
| Net loans and leases to core deposits | 105.3467% | 1,215 |
| Total domestic deposits to total assets | 86.8092% | 1,907 |
| Equity capital to assets | 11.2159% | 2,634 |
| Core capital (leverage) ratio | 11.4204% | 2,196 |
| Tier 1 risk-based capital ratio | 22.9541% | 940 |
| Total risk-based capital ratio | 23.5085% | 1,003 |
| Memoranda: | ||
| Average total assets | $263,227,000 | 2,417 |
| Average earning assets | $253,228,500 | 2,357 |
| Average equity | $29,410,500 | 2,445 |
| Average total loans | $232,293,500 | 1,973 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2470% | 3,284 |
| Cost of funding earning assets | 0.7752% | 1,662 |
| Net interest margin | 3.4718% | 3,795 |
| Noninterest income to average assets | 0.1911% | 4,760 |
| Noninterest expense to average assets | 2.8636% | 2,474 |
| Loan and lease loss provision to assets | 0.0064% | 3,988 |
| Net operating income to assets | 0.5274% | 4,602 |
| Return on assets (ROA) | 0.5274% | 4,596 |
| Pretax return on assets | 0.6613% | 4,512 |
| Return on Equity (ROE) | 4.8775% | 4,483 |
| Retained earnings to average equity (ytd only) | 4.8775% | 2,841 |
| Net charge-offs to loans | 0.0167% | 3,130 |
| Credit loss provision to net charge-offs | 43.5897% | 3,248 |
| Earnings coverage of net charge-offs (x) | 45.1538% | 1,204 |
| Efficiency ratio | 81.0909% | 872 |
| Assets per employee ($millions) | 5.0506% | 2,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3073% | 5,279 |
| Loan loss allowance to noncurrent loans | 39.7557% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 0.6857% | 2,015 |
| Noncurrent loans to loans | 0.7729% | 2,071 |
| Net loans and leases to total assets | 88.4474% | 99 |
| Net loans and leases to deposits | 101.8159% | 606 |
| Net loans and leases to core deposits | 106.3034% | 1,249 |
| Total domestic deposits to total assets | 86.8699% | 1,841 |
| Equity capital to assets | 11.1300% | 2,575 |
| Core capital (leverage) ratio | 11.1385% | 2,403 |
| Tier 1 risk-based capital ratio | 22.6276% | 953 |
| Total risk-based capital ratio | 23.1802% | 1,024 |
| Memoranda: | ||
| Average total assets | $263,726,200 | 2,375 |
| Average earning assets | $253,729,200 | 2,313 |
| Average equity | $28,518,800 | 2,430 |
| Average total loans | $233,062,000 | 1,925 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2275% | 3,215 |
| Cost of funding earning assets | 0.7433% | 1,610 |
| Net interest margin | 3.4842% | 3,746 |
| Noninterest income to average assets | 0.1929% | 4,817 |
| Noninterest expense to average assets | 2.8671% | 2,412 |
| Loan and lease loss provision to assets | 0.0116% | 3,765 |
| Net operating income to assets | 0.5313% | 4,694 |
| Return on assets (ROA) | 0.5313% | 4,697 |
| Pretax return on assets | 0.6661% | 4,610 |
| Return on Equity (ROE) | 4.9492% | 4,583 |
| Retained earnings to average equity (ytd only) | 4.9492% | 3,265 |
| Net charge-offs to loans | 0.0177% | 2,805 |
| Credit loss provision to net charge-offs | 74.1935% | 2,591 |
| Earnings coverage of net charge-offs (x) | 43.2928% | 1,287 |
| Efficiency ratio | 80.8805% | 871 |
| Assets per employee ($millions) | 5.1259% | 2,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3172% | 5,349 |
| Loan loss allowance to noncurrent loans | 38.8505% | 4,594 |
| Noncurrent assets plus other real estate owned to assets | 0.7505% | 1,977 |
| Noncurrent loans to loans | 0.8164% | 2,070 |
| Net loans and leases to total assets | 87.7638% | 151 |
| Net loans and leases to deposits | 101.2533% | 687 |
| Net loans and leases to core deposits | 105.6404% | 1,338 |
| Total domestic deposits to total assets | 86.6774% | 1,877 |
| Equity capital to assets | 11.0358% | 2,629 |
| Core capital (leverage) ratio | 10.9950% | 2,580 |
| Tier 1 risk-based capital ratio | 22.6231% | 979 |
| Total risk-based capital ratio | 23.1929% | 1,037 |
| Memoranda: | ||
| Average total assets | $263,999,500 | 2,388 |
| Average earning assets | $253,981,000 | 2,326 |
| Average equity | $28,340,750 | 2,444 |
| Average total loans | $233,075,500 | 1,928 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2100% | 3,086 |
| Cost of funding earning assets | 0.7149% | 1,542 |
| Net interest margin | 3.4951% | 3,646 |
| Noninterest income to average assets | 0.1888% | 4,881 |
| Noninterest expense to average assets | 2.8627% | 2,455 |
| Loan and lease loss provision to assets | 0.0143% | 3,590 |
| Net operating income to assets | 0.5384% | 4,657 |
| Return on assets (ROA) | 0.5384% | 4,664 |
| Pretax return on assets | 0.6751% | 4,568 |
| Return on Equity (ROE) | 5.0619% | 4,534 |
| Retained earnings to average equity (ytd only) | 5.0619% | 3,046 |
| Net charge-offs to loans | 0.0325% | 2,200 |
| Credit loss provision to net charge-offs | 50.0000% | 2,490 |
| Earnings coverage of net charge-offs (x) | 24.0263% | 1,690 |
| Efficiency ratio | 80.5910% | 951 |
| Assets per employee ($millions) | 5.0041% | 2,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3085% | 5,413 |
| Loan loss allowance to noncurrent loans | 43.8415% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 0.6696% | 2,228 |
| Noncurrent loans to loans | 0.7037% | 2,350 |
| Net loans and leases to total assets | 87.6019% | 161 |
| Net loans and leases to deposits | 101.6868% | 684 |
| Net loans and leases to core deposits | 106.1234% | 1,234 |
| Total domestic deposits to total assets | 86.1487% | 2,214 |
| Equity capital to assets | 10.7493% | 2,890 |
| Core capital (leverage) ratio | 10.8006% | 2,700 |
| Tier 1 risk-based capital ratio | 22.0656% | 1,029 |
| Total risk-based capital ratio | 22.6195% | 1,099 |
| Memoranda: | ||
| Average total assets | $264,859,000 | 2,384 |
| Average earning assets | $254,870,330 | 2,319 |
| Average equity | $28,171,000 | 2,464 |
| Average total loans | $234,046,330 | 1,925 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2267% | 2,795 |
| Cost of funding earning assets | 0.6911% | 1,488 |
| Net interest margin | 3.5356% | 3,404 |
| Noninterest income to average assets | 0.2086% | 4,771 |
| Noninterest expense to average assets | 2.9016% | 2,365 |
| Loan and lease loss provision to assets | 0.0091% | 3,398 |
| Net operating income to assets | 0.5577% | 4,553 |
| Return on assets (ROA) | 0.5577% | 4,554 |
| Pretax return on assets | 0.6997% | 4,447 |
| Return on Equity (ROE) | 5.2711% | 4,392 |
| Retained earnings to average equity (ytd only) | 5.2711% | 3,047 |
| Net charge-offs to loans | 0.0426% | 1,691 |
| Credit loss provision to net charge-offs | 24.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 18.7600% | 1,527 |
| Efficiency ratio | 80.3684% | 1,099 |
| Assets per employee ($millions) | 5.0882% | 2,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3063% | 5,484 |
| Loan loss allowance to noncurrent loans | 42.9683% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 0.7177% | 2,171 |
| Noncurrent loans to loans | 0.7129% | 2,431 |
| Net loans and leases to total assets | 88.3236% | 113 |
| Net loans and leases to deposits | 102.4790% | 557 |
| Net loans and leases to core deposits | 106.9123% | 1,185 |
| Total domestic deposits to total assets | 86.1870% | 2,458 |
| Equity capital to assets | 10.6469% | 2,930 |
| Core capital (leverage) ratio | 10.8282% | 2,603 |
| Tier 1 risk-based capital ratio | 21.3991% | 1,136 |
| Total risk-based capital ratio | 21.9421% | 1,225 |
| Memoranda: | ||
| Average total assets | $264,680,000 | 2,407 |
| Average earning assets | $254,664,000 | 2,338 |
| Average equity | $28,002,000 | 2,493 |
| Average total loans | $234,542,500 | 1,933 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0542% | 3,232 |
| Cost of funding earning assets | 0.6875% | 1,089 |
| Net interest margin | 3.3667% | 3,943 |
| Noninterest income to average assets | 0.1668% | 5,123 |
| Noninterest expense to average assets | 2.7964% | 2,788 |
| Loan and lease loss provision to assets | 0.0326% | 3,615 |
| Net operating income to assets | 0.4310% | 4,584 |
| Return on assets (ROA) | 0.4310% | 4,612 |
| Pretax return on assets | 0.5918% | 4,756 |
| Return on Equity (ROE) | 4.2228% | 4,433 |
| Retained earnings to average equity (ytd only) | 4.2228% | 2,630 |
| Net charge-offs to loans | 0.1009% | 2,062 |
| Credit loss provision to net charge-offs | 37.3391% | 3,465 |
| Earnings coverage of net charge-offs (x) | 7.1502% | 3,084 |
| Efficiency ratio | 81.7465% | 947 |
| Assets per employee ($millions) | 4.9033% | 2,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3145% | 5,547 |
| Loan loss allowance to noncurrent loans | 29.9149% | 4,846 |
| Noncurrent assets plus other real estate owned to assets | 0.9521% | 1,630 |
| Noncurrent loans to loans | 1.0512% | 1,690 |
| Net loans and leases to total assets | 88.3536% | 122 |
| Net loans and leases to deposits | 103.2488% | 537 |
| Net loans and leases to core deposits | 107.6245% | 1,163 |
| Total domestic deposits to total assets | 85.5735% | 2,623 |
| Equity capital to assets | 10.5123% | 3,158 |
| Core capital (leverage) ratio | 10.5796% | 2,761 |
| Tier 1 risk-based capital ratio | 21.1529% | 1,124 |
| Total risk-based capital ratio | 21.7119% | 1,206 |
| Memoranda: | ||
| Average total assets | $266,811,400 | 2,364 |
| Average earning assets | $257,879,000 | 2,291 |
| Average equity | $27,233,000 | 2,532 |
| Average total loans | $230,969,200 | 1,933 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0182% | 3,287 |
| Cost of funding earning assets | 0.6944% | 988 |
| Net interest margin | 3.3237% | 4,094 |
| Noninterest income to average assets | 0.1616% | 5,212 |
| Noninterest expense to average assets | 2.7612% | 2,856 |
| Loan and lease loss provision to assets | 0.0190% | 3,764 |
| Net operating income to assets | 0.3940% | 5,009 |
| Return on assets (ROA) | 0.3940% | 5,042 |
| Pretax return on assets | 0.5970% | 4,850 |
| Return on Equity (ROE) | 3.8892% | 4,885 |
| Retained earnings to average equity (ytd only) | 3.8892% | 3,607 |
| Net charge-offs to loans | 0.1148% | 1,643 |
| Credit loss provision to net charge-offs | 19.1919% | 3,163 |
| Earnings coverage of net charge-offs (x) | 6.2375% | 3,006 |
| Efficiency ratio | 81.7604% | 934 |
| Assets per employee ($millions) | 4.8941% | 2,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3098% | 5,616 |
| Loan loss allowance to noncurrent loans | 20.4751% | 5,063 |
| Noncurrent assets plus other real estate owned to assets | 1.3380% | 1,194 |
| Noncurrent loans to loans | 1.5129% | 1,234 |
| Net loans and leases to total assets | 88.1616% | 145 |
| Net loans and leases to deposits | 102.3506% | 593 |
| Net loans and leases to core deposits | 106.5466% | 1,235 |
| Total domestic deposits to total assets | 86.1368% | 2,252 |
| Equity capital to assets | 10.4142% | 3,462 |
| Core capital (leverage) ratio | 10.3222% | 3,174 |
| Tier 1 risk-based capital ratio | 20.9028% | 1,211 |
| Total risk-based capital ratio | 21.4518% | 1,293 |
| Memoranda: | ||
| Average total assets | $267,320,250 | 2,383 |
| Average earning assets | $258,618,500 | 2,303 |
| Average equity | $27,082,750 | 2,559 |
| Average total loans | $230,042,250 | 1,947 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9856% | 3,256 |
| Cost of funding earning assets | 0.7168% | 820 |
| Net interest margin | 3.2688% | 4,214 |
| Noninterest income to average assets | 0.1565% | 5,272 |
| Noninterest expense to average assets | 2.7682% | 2,869 |
| Loan and lease loss provision to assets | 0.0283% | 3,433 |
| Net operating income to assets | 0.3481% | 5,103 |
| Return on assets (ROA) | 0.3481% | 5,125 |
| Pretax return on assets | 0.5277% | 4,958 |
| Return on Equity (ROE) | 3.4675% | 4,986 |
| Retained earnings to average equity (ytd only) | 3.4675% | 3,644 |
| Net charge-offs to loans | 0.1486% | 1,259 |
| Credit loss provision to net charge-offs | 22.3529% | 2,772 |
| Earnings coverage of net charge-offs (x) | 4.3882% | 2,937 |
| Efficiency ratio | 83.2735% | 902 |
| Assets per employee ($millions) | 5.0561% | 2,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3238% | 5,656 |
| Loan loss allowance to noncurrent loans | 27.7388% | 5,005 |
| Noncurrent assets plus other real estate owned to assets | 1.0311% | 1,700 |
| Noncurrent loans to loans | 1.1674% | 1,680 |
| Net loans and leases to total assets | 88.0441% | 144 |
| Net loans and leases to deposits | 100.5202% | 697 |
| Net loans and leases to core deposits | 104.5731% | 1,320 |
| Total domestic deposits to total assets | 87.5885% | 1,667 |
| Equity capital to assets | 10.3447% | 3,522 |
| Core capital (leverage) ratio | 10.2016% | 3,274 |
| Tier 1 risk-based capital ratio | 21.1104% | 1,161 |
| Total risk-based capital ratio | 21.6931% | 1,253 |
| Memoranda: | ||
| Average total assets | $268,332,670 | 2,381 |
| Average earning assets | $260,035,000 | 2,297 |
| Average equity | $26,936,000 | 2,566 |
| Average total loans | $228,816,330 | 1,951 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9130% | 3,360 |
| Cost of funding earning assets | 0.7482% | 660 |
| Net interest margin | 3.1648% | 4,451 |
| Noninterest income to average assets | 0.1638% | 5,295 |
| Noninterest expense to average assets | 2.8129% | 2,745 |
| Loan and lease loss provision to assets | 0.0354% | 3,080 |
| Net operating income to assets | 0.2509% | 5,303 |
| Return on assets (ROA) | 0.2509% | 5,319 |
| Pretax return on assets | 0.3808% | 5,195 |
| Return on Equity (ROE) | 2.5368% | 5,219 |
| Retained earnings to average equity (ytd only) | 2.5368% | 4,126 |
| Net charge-offs to loans | 0.1515% | 1,051 |
| Credit loss provision to net charge-offs | 27.9070% | 2,127 |
| Earnings coverage of net charge-offs (x) | 3.2791% | 2,498 |
| Efficiency ratio | 87.1115% | 724 |
| Assets per employee ($millions) | 5.2076% | 2,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3597% | 5,712 |
| Loan loss allowance to noncurrent loans | 27.3635% | 5,093 |
| Noncurrent assets plus other real estate owned to assets | 1.2545% | 1,371 |
| Noncurrent loans to loans | 1.3147% | 1,541 |
| Net loans and leases to total assets | 84.0758% | 359 |
| Net loans and leases to deposits | 98.7821% | 704 |
| Net loans and leases to core deposits | 102.8696% | 1,301 |
| Total domestic deposits to total assets | 85.1124% | 3,042 |
| Equity capital to assets | 9.9311% | 3,843 |
| Core capital (leverage) ratio | 9.9769% | 3,527 |
| Tier 1 risk-based capital ratio | 21.0403% | 1,213 |
| Total risk-based capital ratio | 21.6821% | 1,284 |
| Memoranda: | ||
| Average total assets | $271,040,500 | 2,388 |
| Average earning assets | $262,512,500 | 2,301 |
| Average equity | $26,805,000 | 2,587 |
| Average total loans | $227,107,000 | 1,972 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0286% | 3,100 |
| Cost of funding earning assets | 0.7550% | 619 |
| Net interest margin | 3.2736% | 4,221 |
| Noninterest income to average assets | 0.1422% | 5,480 |
| Noninterest expense to average assets | 2.7499% | 3,191 |
| Loan and lease loss provision to assets | 0.0258% | 3,836 |
| Net operating income to assets | 0.3466% | 5,092 |
| Return on assets (ROA) | 0.3466% | 5,174 |
| Pretax return on assets | 0.5252% | 4,975 |
| Return on Equity (ROE) | 3.5129% | 5,006 |
| Retained earnings to average equity (ytd only) | 3.5129% | 3,432 |
| Net charge-offs to loans | 0.0197% | 3,661 |
| Credit loss provision to net charge-offs | 153.3333% | 1,785 |
| Earnings coverage of net charge-offs (x) | 32.7111% | 1,355 |
| Efficiency ratio | 83.3069% | 1,074 |
| Assets per employee ($millions) | 5.1186% | 2,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3916% | 5,740 |
| Loan loss allowance to noncurrent loans | 32.4761% | 5,040 |
| Noncurrent assets plus other real estate owned to assets | 1.1173% | 1,664 |
| Noncurrent loans to loans | 1.2059% | 1,709 |
| Net loans and leases to total assets | 82.8775% | 495 |
| Net loans and leases to deposits | 97.2945% | 882 |
| Net loans and leases to core deposits | 101.2073% | 1,516 |
| Total domestic deposits to total assets | 85.1821% | 2,965 |
| Equity capital to assets | 9.8483% | 3,885 |
| Core capital (leverage) ratio | 9.8874% | 3,646 |
| Tier 1 risk-based capital ratio | 21.1067% | 1,190 |
| Total risk-based capital ratio | 21.8036% | 1,252 |
| Memoranda: | ||
| Average total assets | $267,138,200 | 2,382 |
| Average earning assets | $257,759,800 | 2,296 |
| Average equity | $26,360,200 | 2,608 |
| Average total loans | $228,795,400 | 1,914 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0621% | 2,999 |
| Cost of funding earning assets | 0.7506% | 634 |
| Net interest margin | 3.3115% | 4,153 |
| Noninterest income to average assets | 0.1603% | 5,469 |
| Noninterest expense to average assets | 2.7743% | 3,099 |
| Loan and lease loss provision to assets | 0.0286% | 3,667 |
| Net operating income to assets | 0.3628% | 5,137 |
| Return on assets (ROA) | 0.3628% | 5,220 |
| Pretax return on assets | 0.5497% | 5,003 |
| Return on Equity (ROE) | 3.6744% | 5,032 |
| Retained earnings to average equity (ytd only) | 3.6744% | 3,690 |
| Net charge-offs to loans | 0.0145% | 3,447 |
| Credit loss provision to net charge-offs | 228.0000% | 1,297 |
| Earnings coverage of net charge-offs (x) | 46.1635% | 1,135 |
| Efficiency ratio | 82.7530% | 1,101 |
| Assets per employee ($millions) | 5.0967% | 2,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3929% | 5,802 |
| Loan loss allowance to noncurrent loans | 35.5378% | 5,068 |
| Noncurrent assets plus other real estate owned to assets | 1.4493% | 1,261 |
| Noncurrent loans to loans | 1.1057% | 2,038 |
| Net loans and leases to total assets | 83.7072% | 434 |
| Net loans and leases to deposits | 98.5994% | 802 |
| Net loans and leases to core deposits | 103.0367% | 1,413 |
| Total domestic deposits to total assets | 84.8963% | 2,853 |
| Equity capital to assets | 9.8424% | 4,310 |
| Core capital (leverage) ratio | 9.8725% | 3,729 |
| Tier 1 risk-based capital ratio | 20.7391% | 1,314 |
| Total risk-based capital ratio | 21.4352% | 1,376 |
| Memoranda: | ||
| Average total assets | $266,101,250 | 2,396 |
| Average earning assets | $256,511,250 | 2,312 |
| Average equity | $26,271,000 | 2,635 |
| Average total loans | $229,564,500 | 1,909 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0990% | 2,862 |
| Cost of funding earning assets | 0.7450% | 649 |
| Net interest margin | 3.3540% | 4,045 |
| Noninterest income to average assets | 0.1889% | 5,365 |
| Noninterest expense to average assets | 2.7330% | 3,263 |
| Loan and lease loss provision to assets | 0.0415% | 3,318 |
| Net operating income to assets | 0.4260% | 4,955 |
| Return on assets (ROA) | 0.4260% | 5,043 |
| Pretax return on assets | 0.6451% | 4,774 |
| Return on Equity (ROE) | 4.3110% | 4,800 |
| Retained earnings to average equity (ytd only) | 4.3110% | 3,180 |
| Net charge-offs to loans | 0.0104% | 3,350 |
| Credit loss provision to net charge-offs | 458.3333% | 701 |
| Earnings coverage of net charge-offs (x) | 75.7500% | 729 |
| Efficiency ratio | 79.9205% | 1,504 |
| Assets per employee ($millions) | 5.2475% | 2,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3966% | 5,884 |
| Loan loss allowance to noncurrent loans | 33.4444% | 5,210 |
| Noncurrent assets plus other real estate owned to assets | 1.6400% | 1,106 |
| Noncurrent loans to loans | 1.1859% | 1,935 |
| Net loans and leases to total assets | 84.7326% | 365 |
| Net loans and leases to deposits | 100.0658% | 693 |
| Net loans and leases to core deposits | 104.6558% | 1,274 |
| Total domestic deposits to total assets | 84.6769% | 3,014 |
| Equity capital to assets | 9.8792% | 4,357 |
| Core capital (leverage) ratio | 9.8933% | 3,694 |
| Tier 1 risk-based capital ratio | 20.4969% | 1,348 |
| Total risk-based capital ratio | 21.1977% | 1,427 |
| Memoranda: | ||
| Average total assets | $264,759,670 | 2,427 |
| Average earning assets | $255,035,330 | 2,345 |
| Average equity | $26,165,670 | 2,652 |
| Average total loans | $230,417,000 | 1,909 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1217% | 2,767 |
| Cost of funding earning assets | 0.7455% | 649 |
| Net interest margin | 3.3762% | 3,958 |
| Noninterest income to average assets | 0.2354% | 5,060 |
| Noninterest expense to average assets | 2.7282% | 3,316 |
| Loan and lease loss provision to assets | -0.0243% | 5,917 |
| Net operating income to assets | 0.5180% | 4,550 |
| Return on assets (ROA) | 0.5180% | 4,657 |
| Pretax return on assets | 0.7853% | 4,250 |
| Return on Equity (ROE) | 5.2403% | 4,366 |
| Retained earnings to average equity (ytd only) | 5.2403% | 2,789 |
| Net charge-offs to loans | -0.0362% | 5,159 |
| Credit loss provision to net charge-offs | 76.1905% | 1,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1889% | 1,873 |
| Assets per employee ($millions) | 5.2552% | 2,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3738% | 5,968 |
| Loan loss allowance to noncurrent loans | 27.8852% | 5,329 |
| Noncurrent assets plus other real estate owned to assets | 1.6806% | 1,165 |
| Noncurrent loans to loans | 1.3405% | 1,779 |
| Net loans and leases to total assets | 87.7364% | 130 |
| Net loans and leases to deposits | 103.9808% | 412 |
| Net loans and leases to core deposits | 108.7161% | 933 |
| Total domestic deposits to total assets | 84.3775% | 3,365 |
| Equity capital to assets | 9.9748% | 4,107 |
| Core capital (leverage) ratio | 9.9330% | 3,622 |
| Tier 1 risk-based capital ratio | 20.1111% | 1,478 |
| Total risk-based capital ratio | 20.7748% | 1,576 |
| Memoranda: | ||
| Average total assets | $263,328,500 | 2,443 |
| Average earning assets | $253,778,500 | 2,358 |
| Average equity | $26,029,000 | 2,657 |
| Average total loans | $231,792,500 | 1,902 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1186% | 2,850 |
| Cost of funding earning assets | 0.7464% | 651 |
| Net interest margin | 3.3722% | 4,026 |
| Noninterest income to average assets | 0.1665% | 5,584 |
| Noninterest expense to average assets | 2.7474% | 3,421 |
| Loan and lease loss provision to assets | 0.3287% | 488 |
| Net operating income to assets | 0.2309% | 5,514 |
| Return on assets (ROA) | 0.2309% | 5,580 |
| Pretax return on assets | 0.3501% | 5,423 |
| Return on Equity (ROE) | 2.3233% | 5,494 |
| Retained earnings to average equity (ytd only) | 2.3233% | 4,407 |
| Net charge-offs to loans | 0.2028% | 1,440 |
| Credit loss provision to net charge-offs | 183.3333% | 1,491 |
| Earnings coverage of net charge-offs (x) | 3.7857% | 3,661 |
| Efficiency ratio | 80.1880% | 1,649 |
| Assets per employee ($millions) | 5.0749% | 2,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3704% | 6,015 |
| Loan loss allowance to noncurrent loans | 36.3636% | 5,197 |
| Noncurrent assets plus other real estate owned to assets | 1.2782% | 1,672 |
| Noncurrent loans to loans | 1.0186% | 2,301 |
| Net loans and leases to total assets | 87.6568% | 137 |
| Net loans and leases to deposits | 103.7863% | 453 |
| Net loans and leases to core deposits | 108.1186% | 965 |
| Total domestic deposits to total assets | 84.4590% | 3,307 |
| Equity capital to assets | 9.7948% | 4,196 |
| Core capital (leverage) ratio | 9.8328% | 3,733 |
| Tier 1 risk-based capital ratio | 19.7514% | 1,530 |
| Total risk-based capital ratio | 20.4085% | 1,621 |
| Memoranda: | ||
| Average total assets | $257,664,600 | 2,438 |
| Average earning assets | $249,067,000 | 2,345 |
| Average equity | $25,610,400 | 2,644 |
| Average total loans | $227,804,400 | 1,878 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1164% | 2,874 |
| Cost of funding earning assets | 0.7438% | 669 |
| Net interest margin | 3.3726% | 4,070 |
| Noninterest income to average assets | 0.1708% | 5,625 |
| Noninterest expense to average assets | 2.8368% | 3,050 |
| Loan and lease loss provision to assets | 0.1244% | 1,823 |
| Net operating income to assets | 0.3113% | 5,423 |
| Return on assets (ROA) | 0.3113% | 5,506 |
| Pretax return on assets | 0.4717% | 5,288 |
| Return on Equity (ROE) | 3.1205% | 5,341 |
| Retained earnings to average equity (ytd only) | 3.1205% | 4,232 |
| Net charge-offs to loans | 0.2182% | 1,197 |
| Credit loss provision to net charge-offs | 64.4205% | 2,851 |
| Earnings coverage of net charge-offs (x) | 3.0863% | 3,559 |
| Efficiency ratio | 82.6357% | 1,310 |
| Assets per employee ($millions) | 5.2049% | 2,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1488% | 6,191 |
| Loan loss allowance to noncurrent loans | 11.8767% | 5,645 |
| Noncurrent assets plus other real estate owned to assets | 1.2742% | 1,834 |
| Noncurrent loans to loans | 1.2529% | 2,031 |
| Net loans and leases to total assets | 88.4436% | 116 |
| Net loans and leases to deposits | 105.2831% | 395 |
| Net loans and leases to core deposits | 109.7966% | 887 |
| Total domestic deposits to total assets | 84.0055% | 3,426 |
| Equity capital to assets | 9.9422% | 4,235 |
| Core capital (leverage) ratio | 10.0234% | 3,591 |
| Tier 1 risk-based capital ratio | 20.0031% | 1,547 |
| Total risk-based capital ratio | 20.2683% | 1,740 |
| Memoranda: | ||
| Average total assets | $256,107,000 | 2,475 |
| Average earning assets | $247,719,000 | 2,377 |
| Average equity | $25,551,000 | 2,667 |
| Average total loans | $226,710,000 | 1,893 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1243% | 2,810 |
| Cost of funding earning assets | 0.7419% | 679 |
| Net interest margin | 3.3824% | 3,963 |
| Noninterest income to average assets | 0.1712% | 5,676 |
| Noninterest expense to average assets | 2.8839% | 2,952 |
| Loan and lease loss provision to assets | 0.1343% | 1,634 |
| Net operating income to assets | 0.2803% | 5,494 |
| Return on assets (ROA) | 0.2803% | 5,584 |
| Pretax return on assets | 0.4248% | 5,416 |
| Return on Equity (ROE) | 2.8062% | 5,474 |
| Retained earnings to average equity (ytd only) | 2.8062% | 4,258 |
| Net charge-offs to loans | 0.2573% | 1,007 |
| Credit loss provision to net charge-offs | 58.9655% | 2,601 |
| Earnings coverage of net charge-offs (x) | 2.4552% | 3,337 |
| Efficiency ratio | 83.7628% | 1,291 |
| Assets per employee ($millions) | 4.9146% | 2,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1569% | 6,258 |
| Loan loss allowance to noncurrent loans | 12.1502% | 5,741 |
| Noncurrent assets plus other real estate owned to assets | 1.2702% | 1,980 |
| Noncurrent loans to loans | 1.2915% | 2,088 |
| Net loans and leases to total assets | 88.6319% | 108 |
| Net loans and leases to deposits | 104.9504% | 412 |
| Net loans and leases to core deposits | 109.3572% | 869 |
| Total domestic deposits to total assets | 84.4513% | 3,372 |
| Equity capital to assets | 10.0290% | 4,004 |
| Core capital (leverage) ratio | 9.9759% | 3,638 |
| Tier 1 risk-based capital ratio | 20.3439% | 1,478 |
| Total risk-based capital ratio | 20.6264% | 1,670 |
| Memoranda: | ||
| Average total assets | $254,727,670 | 2,501 |
| Average earning assets | $246,395,330 | 2,406 |
| Average equity | $25,443,330 | 2,687 |
| Average total loans | $225,442,330 | 1,912 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1193% | 2,758 |
| Cost of funding earning assets | 0.7351% | 714 |
| Net interest margin | 3.3842% | 3,905 |
| Noninterest income to average assets | 0.2344% | 5,288 |
| Noninterest expense to average assets | 2.9554% | 2,722 |
| Loan and lease loss provision to assets | 0.1463% | 1,388 |
| Net operating income to assets | 0.2674% | 5,513 |
| Return on assets (ROA) | 0.2674% | 5,607 |
| Pretax return on assets | 0.4058% | 5,424 |
| Return on Equity (ROE) | 2.6824% | 5,479 |
| Retained earnings to average equity (ytd only) | 2.6824% | 4,335 |
| Net charge-offs to loans | 0.2118% | 1,098 |
| Credit loss provision to net charge-offs | 78.1513% | 1,845 |
| Earnings coverage of net charge-offs (x) | 2.9496% | 2,676 |
| Efficiency ratio | 84.2601% | 1,351 |
| Assets per employee ($millions) | 4.9115% | 2,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1992% | 6,324 |
| Loan loss allowance to noncurrent loans | 15.9503% | 5,760 |
| Noncurrent assets plus other real estate owned to assets | 1.2506% | 2,133 |
| Noncurrent loans to loans | 1.2489% | 2,291 |
| Net loans and leases to total assets | 88.0781% | 103 |
| Net loans and leases to deposits | 104.2357% | 359 |
| Net loans and leases to core deposits | 108.3298% | 810 |
| Total domestic deposits to total assets | 84.4990% | 3,616 |
| Equity capital to assets | 9.9626% | 4,192 |
| Core capital (leverage) ratio | 9.9992% | 3,600 |
| Tier 1 risk-based capital ratio | 20.2917% | 1,559 |
| Total risk-based capital ratio | 20.6498% | 1,717 |
| Memoranda: | ||
| Average total assets | $254,312,500 | 2,519 |
| Average earning assets | $245,965,500 | 2,416 |
| Average equity | $25,350,000 | 2,713 |
| Average total loans | $224,732,500 | 1,914 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1439% | 3,152 |
| Cost of funding earning assets | 0.7427% | 880 |
| Net interest margin | 3.4011% | 4,196 |
| Noninterest income to average assets | 0.1961% | 5,681 |
| Noninterest expense to average assets | 2.9053% | 3,136 |
| Loan and lease loss provision to assets | 0.3080% | 663 |
| Net operating income to assets | 0.1722% | 5,820 |
| Return on assets (ROA) | 0.1722% | 5,869 |
| Pretax return on assets | 0.2782% | 5,741 |
| Return on Equity (ROE) | 1.7558% | 5,833 |
| Retained earnings to average equity (ytd only) | 1.7558% | 4,939 |
| Net charge-offs to loans | 0.2762% | 1,566 |
| Credit loss provision to net charge-offs | 126.3242% | 1,895 |
| Earnings coverage of net charge-offs (x) | 2.4045% | 4,160 |
| Efficiency ratio | 83.2100% | 1,495 |
| Assets per employee ($millions) | 4.5219% | 3,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2120% | 6,412 |
| Loan loss allowance to noncurrent loans | 15.1709% | 5,890 |
| Noncurrent assets plus other real estate owned to assets | 1.2736% | 2,214 |
| Noncurrent loans to loans | 1.3973% | 2,098 |
| Net loans and leases to total assets | 88.2968% | 105 |
| Net loans and leases to deposits | 104.0965% | 432 |
| Net loans and leases to core deposits | 108.2073% | 880 |
| Total domestic deposits to total assets | 84.8220% | 3,359 |
| Equity capital to assets | 9.9736% | 4,146 |
| Core capital (leverage) ratio | 9.9740% | 3,605 |
| Tier 1 risk-based capital ratio | 19.5118% | 1,724 |
| Total risk-based capital ratio | 19.8787% | 1,920 |
| Memoranda: | ||
| Average total assets | $255,531,200 | 2,478 |
| Average earning assets | $247,595,200 | 2,367 |
| Average equity | $25,060,400 | 2,653 |
| Average total loans | $225,536,600 | 1,861 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1545% | 3,156 |
| Cost of funding earning assets | 0.7441% | 920 |
| Net interest margin | 3.4104% | 4,196 |
| Noninterest income to average assets | 0.1973% | 5,747 |
| Noninterest expense to average assets | 3.0231% | 2,723 |
| Loan and lease loss provision to assets | 0.1728% | 1,426 |
| Net operating income to assets | 0.1926% | 5,861 |
| Return on assets (ROA) | 0.1926% | 5,912 |
| Pretax return on assets | 0.3061% | 5,760 |
| Return on Equity (ROE) | 1.9724% | 5,852 |
| Retained earnings to average equity (ytd only) | 1.9724% | 5,074 |
| Net charge-offs to loans | 0.1594% | 2,211 |
| Credit loss provision to net charge-offs | 122.9630% | 1,875 |
| Earnings coverage of net charge-offs (x) | 3.4074% | 3,664 |
| Efficiency ratio | 86.3238% | 1,155 |
| Assets per employee ($millions) | 4.5861% | 2,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1660% | 6,504 |
| Loan loss allowance to noncurrent loans | 13.0511% | 6,008 |
| Noncurrent assets plus other real estate owned to assets | 1.2659% | 2,433 |
| Noncurrent loans to loans | 1.2717% | 2,516 |
| Net loans and leases to total assets | 88.9539% | 77 |
| Net loans and leases to deposits | 105.1874% | 359 |
| Net loans and leases to core deposits | 109.8613% | 749 |
| Total domestic deposits to total assets | 84.5671% | 3,517 |
| Equity capital to assets | 9.9840% | 4,182 |
| Core capital (leverage) ratio | 9.9848% | 3,699 |
| Tier 1 risk-based capital ratio | 19.4112% | 1,795 |
| Total risk-based capital ratio | 19.6986% | 2,033 |
| Memoranda: | ||
| Average total assets | $256,106,750 | 2,489 |
| Average earning assets | $248,175,000 | 2,377 |
| Average equity | $25,011,500 | 2,672 |
| Average total loans | $225,903,750 | 1,864 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1504% | 3,145 |
| Cost of funding earning assets | 0.7494% | 924 |
| Net interest margin | 3.4010% | 4,166 |
| Noninterest income to average assets | 0.2051% | 5,727 |
| Noninterest expense to average assets | 2.9961% | 2,841 |
| Loan and lease loss provision to assets | 0.1608% | 1,544 |
| Net operating income to assets | 0.2183% | 5,784 |
| Return on assets (ROA) | 0.2183% | 5,845 |
| Pretax return on assets | 0.3450% | 5,688 |
| Return on Equity (ROE) | 2.2521% | 5,776 |
| Retained earnings to average equity (ytd only) | 2.2521% | 4,759 |
| Net charge-offs to loans | 0.1308% | 2,356 |
| Credit loss provision to net charge-offs | 139.8649% | 1,525 |
| Earnings coverage of net charge-offs (x) | 4.3986% | 3,114 |
| Efficiency ratio | 85.5558% | 1,314 |
| Assets per employee ($millions) | 4.7181% | 2,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1647% | 6,576 |
| Loan loss allowance to noncurrent loans | 19.8179% | 5,998 |
| Noncurrent assets plus other real estate owned to assets | 0.8890% | 3,324 |
| Noncurrent loans to loans | 0.8311% | 3,621 |
| Net loans and leases to total assets | 88.0256% | 97 |
| Net loans and leases to deposits | 103.9510% | 363 |
| Net loans and leases to core deposits | 108.4835% | 747 |
| Total domestic deposits to total assets | 84.6799% | 3,649 |
| Equity capital to assets | 9.8533% | 4,289 |
| Core capital (leverage) ratio | 9.8502% | 3,816 |
| Tier 1 risk-based capital ratio | 19.2921% | 1,854 |
| Total risk-based capital ratio | 19.5766% | 2,092 |
| Memoranda: | ||
| Average total assets | $257,397,670 | 2,476 |
| Average earning assets | $249,516,330 | 2,362 |
| Average equity | $24,954,330 | 2,665 |
| Average total loans | $226,290,000 | 1,855 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1198% | 3,206 |
| Cost of funding earning assets | 0.7669% | 897 |
| Net interest margin | 3.3529% | 4,324 |
| Noninterest income to average assets | 0.2025% | 5,735 |
| Noninterest expense to average assets | 2.9964% | 2,865 |
| Loan and lease loss provision to assets | 0.1531% | 1,581 |
| Net operating income to assets | 0.1917% | 5,823 |
| Return on assets (ROA) | 0.1917% | 5,868 |
| Pretax return on assets | 0.3046% | 5,707 |
| Return on Equity (ROE) | 1.9936% | 5,787 |
| Retained earnings to average equity (ytd only) | 1.9936% | 4,806 |
| Net charge-offs to loans | 0.1937% | 1,571 |
| Credit loss provision to net charge-offs | 90.0000% | 1,799 |
| Earnings coverage of net charge-offs (x) | 2.6909% | 2,820 |
| Efficiency ratio | 86.7502% | 1,364 |
| Assets per employee ($millions) | 4.8320% | 2,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1328% | 6,653 |
| Loan loss allowance to noncurrent loans | 16.4474% | 6,121 |
| Noncurrent assets plus other real estate owned to assets | 0.7567% | 3,853 |
| Noncurrent loans to loans | 0.8073% | 3,860 |
| Net loans and leases to total assets | 88.1107% | 81 |
| Net loans and leases to deposits | 102.9195% | 335 |
| Net loans and leases to core deposits | 107.3267% | 705 |
| Total domestic deposits to total assets | 85.6113% | 3,556 |
| Equity capital to assets | 9.7385% | 4,182 |
| Core capital (leverage) ratio | 9.7385% | 3,940 |
| Tier 1 risk-based capital ratio | 19.0361% | 1,956 |
| Total risk-based capital ratio | 19.2651% | 2,268 |
| Memoranda: | ||
| Average total assets | $258,708,000 | 2,470 |
| Average earning assets | $250,889,000 | 2,350 |
| Average equity | $24,879,500 | 2,657 |
| Average total loans | $227,115,500 | 1,848 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1902% | 3,379 |
| Cost of funding earning assets | 0.9088% | 703 |
| Net interest margin | 3.2814% | 4,733 |
| Noninterest income to average assets | 0.1842% | 5,988 |
| Noninterest expense to average assets | 2.8023% | 3,716 |
| Loan and lease loss provision to assets | 0.0473% | 4,176 |
| Net operating income to assets | 0.3294% | 5,412 |
| Return on assets (ROA) | 0.3294% | 5,524 |
| Pretax return on assets | 0.5132% | 5,168 |
| Return on Equity (ROE) | 3.5343% | 5,306 |
| Retained earnings to average equity (ytd only) | 3.5343% | 3,706 |
| Net charge-offs to loans | 0.0502% | 4,519 |
| Credit loss provision to net charge-offs | 109.7345% | 2,192 |
| Earnings coverage of net charge-offs (x) | 13.0088% | 2,073 |
| Efficiency ratio | 83.3333% | 1,707 |
| Assets per employee ($millions) | 4.9306% | 2,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1362% | 6,726 |
| Loan loss allowance to noncurrent loans | 16.8747% | 6,213 |
| Noncurrent assets plus other real estate owned to assets | 0.7489% | 4,012 |
| Noncurrent loans to loans | 0.8073% | 3,957 |
| Net loans and leases to total assets | 87.2386% | 109 |
| Net loans and leases to deposits | 101.5465% | 414 |
| Net loans and leases to core deposits | 106.1293% | 792 |
| Total domestic deposits to total assets | 85.9100% | 3,305 |
| Equity capital to assets | 9.4976% | 4,429 |
| Core capital (leverage) ratio | 9.4964% | 4,278 |
| Tier 1 risk-based capital ratio | 18.5772% | 2,057 |
| Total risk-based capital ratio | 18.8100% | 2,364 |
| Memoranda: | ||
| Average total assets | $262,283,000 | 2,412 |
| Average earning assets | $254,067,600 | 2,294 |
| Average equity | $24,446,000 | 2,685 |
| Average total loans | $225,220,800 | 1,818 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1936% | 3,407 |
| Cost of funding earning assets | 0.9348% | 688 |
| Net interest margin | 3.2587% | 4,798 |
| Noninterest income to average assets | 0.1925% | 6,022 |
| Noninterest expense to average assets | 2.7563% | 3,807 |
| Loan and lease loss provision to assets | 0.0310% | 4,388 |
| Net operating income to assets | 0.3606% | 5,400 |
| Return on assets (ROA) | 0.3606% | 5,535 |
| Pretax return on assets | 0.5602% | 5,171 |
| Return on Equity (ROE) | 3.8872% | 5,270 |
| Retained earnings to average equity (ytd only) | 3.8872% | 3,923 |
| Net charge-offs to loans | 0.0315% | 4,505 |
| Credit loss provision to net charge-offs | 115.0943% | 2,045 |
| Earnings coverage of net charge-offs (x) | 21.9638% | 1,523 |
| Efficiency ratio | 82.3396% | 1,783 |
| Assets per employee ($millions) | 4.9473% | 2,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1354% | 6,810 |
| Loan loss allowance to noncurrent loans | 9.3902% | 6,365 |
| Noncurrent assets plus other real estate owned to assets | 1.3390% | 2,965 |
| Noncurrent loans to loans | 1.4418% | 2,999 |
| Net loans and leases to total assets | 86.6411% | 124 |
| Net loans and leases to deposits | 100.8721% | 437 |
| Net loans and leases to core deposits | 105.2924% | 801 |
| Total domestic deposits to total assets | 85.8921% | 3,321 |
| Equity capital to assets | 9.4108% | 4,660 |
| Core capital (leverage) ratio | 9.4051% | 4,525 |
| Tier 1 risk-based capital ratio | 18.3281% | 2,208 |
| Total risk-based capital ratio | 18.5570% | 2,552 |
| Memoranda: | ||
| Average total assets | $262,523,750 | 2,433 |
| Average earning assets | $254,161,250 | 2,301 |
| Average equity | $24,352,750 | 2,723 |
| Average total loans | $224,455,250 | 1,826 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2405% | 3,186 |
| Cost of funding earning assets | 0.9598% | 675 |
| Net interest margin | 3.2807% | 4,651 |
| Noninterest income to average assets | 0.2064% | 5,968 |
| Noninterest expense to average assets | 2.7598% | 3,818 |
| Loan and lease loss provision to assets | 0.0297% | 4,334 |
| Net operating income to assets | 0.3815% | 5,288 |
| Return on assets (ROA) | 0.3815% | 5,453 |
| Pretax return on assets | 0.5925% | 5,042 |
| Return on Equity (ROE) | 4.1328% | 5,161 |
| Retained earnings to average equity (ytd only) | 4.1328% | 3,659 |
| Net charge-offs to loans | 0.0349% | 4,194 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 20.9487% | 1,433 |
| Efficiency ratio | 81.6032% | 1,946 |
| Assets per employee ($millions) | 4.9562% | 2,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1341% | 6,856 |
| Loan loss allowance to noncurrent loans | 10.8774% | 6,416 |
| Noncurrent assets plus other real estate owned to assets | 1.1097% | 3,510 |
| Noncurrent loans to loans | 1.2325% | 3,495 |
| Net loans and leases to total assets | 85.0786% | 185 |
| Net loans and leases to deposits | 97.6650% | 560 |
| Net loans and leases to core deposits | 102.0224% | 936 |
| Total domestic deposits to total assets | 87.1126% | 2,751 |
| Equity capital to assets | 9.3157% | 4,838 |
| Core capital (leverage) ratio | 9.3092% | 4,525 |
| Tier 1 risk-based capital ratio | 18.2900% | 2,214 |
| Total risk-based capital ratio | 18.5144% | 2,581 |
| Memoranda: | ||
| Average total assets | $262,629,000 | 2,434 |
| Average earning assets | $254,214,000 | 2,314 |
| Average equity | $24,245,000 | 2,744 |
| Average total loans | $223,444,330 | 1,831 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2801% | 2,976 |
| Cost of funding earning assets | 1.0050% | 598 |
| Net interest margin | 3.2750% | 4,615 |
| Noninterest income to average assets | 0.2346% | 5,780 |
| Noninterest expense to average assets | 2.7966% | 3,712 |
| Loan and lease loss provision to assets | 0.0320% | 4,045 |
| Net operating income to assets | 0.3686% | 5,268 |
| Return on assets (ROA) | 0.3686% | 5,399 |
| Pretax return on assets | 0.5727% | 5,040 |
| Return on Equity (ROE) | 4.0112% | 5,086 |
| Retained earnings to average equity (ytd only) | 4.0112% | 3,825 |
| Net charge-offs to loans | 0.0161% | 3,834 |
| Credit loss provision to net charge-offs | 233.3333% | 973 |
| Earnings coverage of net charge-offs (x) | 44.1111% | 733 |
| Efficiency ratio | 82.2212% | 2,016 |
| Assets per employee ($millions) | 4.9506% | 2,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1393% | 6,931 |
| Loan loss allowance to noncurrent loans | 12.6418% | 6,474 |
| Noncurrent assets plus other real estate owned to assets | 1.0222% | 3,883 |
| Noncurrent loans to loans | 1.1019% | 3,940 |
| Net loans and leases to total assets | 85.2399% | 153 |
| Net loans and leases to deposits | 97.7705% | 458 |
| Net loans and leases to core deposits | 102.1326% | 818 |
| Total domestic deposits to total assets | 87.1836% | 2,847 |
| Equity capital to assets | 9.2392% | 5,211 |
| Core capital (leverage) ratio | 9.2205% | 4,532 |
| Tier 1 risk-based capital ratio | 18.0179% | 2,349 |
| Total risk-based capital ratio | 18.2503% | 2,724 |
| Memoranda: | ||
| Average total assets | $262,605,500 | 2,465 |
| Average earning assets | $253,921,000 | 2,340 |
| Average equity | $24,132,500 | 2,794 |
| Average total loans | $223,276,000 | 1,842 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4431% | 3,641 |
| Cost of funding earning assets | 1.2581% | 440 |
| Net interest margin | 3.1850% | 5,605 |
| Noninterest income to average assets | 0.1975% | 6,005 |
| Noninterest expense to average assets | 2.8902% | 3,678 |
| Loan and lease loss provision to assets | 0.1092% | 4,262 |
| Net operating income to assets | 0.1681% | 5,844 |
| Return on assets (ROA) | 0.1681% | 6,020 |
| Pretax return on assets | 0.2698% | 5,879 |
| Return on Equity (ROE) | 1.8998% | 5,933 |
| Retained earnings to average equity (ytd only) | 1.8998% | 4,887 |
| Net charge-offs to loans | 0.1297% | 4,384 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 3.4710% | 3,713 |
| Efficiency ratio | 88.4076% | 1,207 |
| Assets per employee ($millions) | 4.9590% | 2,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1348% | 6,980 |
| Loan loss allowance to noncurrent loans | 23.2919% | 6,311 |
| Noncurrent assets plus other real estate owned to assets | 0.5445% | 5,117 |
| Noncurrent loans to loans | 0.5787% | 5,081 |
| Net loans and leases to total assets | 84.5743% | 190 |
| Net loans and leases to deposits | 96.9060% | 570 |
| Net loans and leases to core deposits | 101.0809% | 958 |
| Total domestic deposits to total assets | 87.2746% | 2,657 |
| Equity capital to assets | 9.1402% | 5,347 |
| Core capital (leverage) ratio | 9.1128% | 4,721 |
| Tier 1 risk-based capital ratio | 17.8935% | 2,291 |
| Total risk-based capital ratio | 18.1176% | 2,680 |
| Memoranda: | ||
| Average total assets | $268,352,600 | 2,358 |
| Average earning assets | $258,804,800 | 2,253 |
| Average equity | $23,738,800 | 2,774 |
| Average total loans | $225,937,400 | 1,801 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4571% | 3,792 |
| Cost of funding earning assets | 1.3048% | 426 |
| Net interest margin | 3.1523% | 5,817 |
| Noninterest income to average assets | 0.1854% | 6,195 |
| Noninterest expense to average assets | 3.0246% | 3,155 |
| Loan and lease loss provision to assets | 0.0751% | 4,717 |
| Net operating income to assets | 0.0712% | 6,175 |
| Return on assets (ROA) | 0.0712% | 6,314 |
| Pretax return on assets | 0.1236% | 6,237 |
| Return on Equity (ROE) | 0.8112% | 6,281 |
| Retained earnings to average equity (ytd only) | 0.8112% | 5,837 |
| Net charge-offs to loans | 0.0894% | 4,484 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 2.6448% | 3,976 |
| Efficiency ratio | 93.8353% | 786 |
| Assets per employee ($millions) | 5.0101% | 2,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1335% | 7,094 |
| Loan loss allowance to noncurrent loans | 19.3175% | 6,503 |
| Noncurrent assets plus other real estate owned to assets | 0.7509% | 4,817 |
| Noncurrent loans to loans | 0.6911% | 5,056 |
| Net loans and leases to total assets | 84.5185% | 200 |
| Net loans and leases to deposits | 96.7379% | 611 |
| Net loans and leases to core deposits | 101.1684% | 1,041 |
| Total domestic deposits to total assets | 87.3686% | 2,450 |
| Equity capital to assets | 8.9385% | 5,882 |
| Core capital (leverage) ratio | 8.9042% | 5,192 |
| Tier 1 risk-based capital ratio | 17.3512% | 2,592 |
| Total risk-based capital ratio | 17.5714% | 3,065 |
| Memoranda: | ||
| Average total assets | $269,733,750 | 2,370 |
| Average earning assets | $259,953,250 | 2,252 |
| Average equity | $23,667,750 | 2,803 |
| Average total loans | $226,775,500 | 1,809 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4727% | 3,890 |
| Cost of funding earning assets | 1.3326% | 459 |
| Net interest margin | 3.1401% | 5,889 |
| Noninterest income to average assets | 0.1970% | 6,150 |
| Noninterest expense to average assets | 3.0207% | 3,183 |
| Loan and lease loss provision to assets | 0.0944% | 4,372 |
| Net operating income to assets | 0.0590% | 6,241 |
| Return on assets (ROA) | 0.0590% | 6,380 |
| Pretax return on assets | 0.1062% | 6,312 |
| Return on Equity (ROE) | 0.6767% | 6,356 |
| Retained earnings to average equity (ytd only) | 0.6767% | 5,792 |
| Net charge-offs to loans | 0.1125% | 4,053 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 2.1250% | 3,926 |
| Efficiency ratio | 93.7715% | 815 |
| Assets per employee ($millions) | 5.1072% | 2,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1334% | 7,161 |
| Loan loss allowance to noncurrent loans | 21.2314% | 6,482 |
| Noncurrent assets plus other real estate owned to assets | 0.6849% | 5,060 |
| Noncurrent loans to loans | 0.6282% | 5,252 |
| Net loans and leases to total assets | 82.9894% | 267 |
| Net loans and leases to deposits | 94.9883% | 697 |
| Net loans and leases to core deposits | 99.5528% | 1,130 |
| Total domestic deposits to total assets | 87.3681% | 2,555 |
| Equity capital to assets | 8.7469% | 5,973 |
| Core capital (leverage) ratio | 8.7114% | 5,359 |
| Tier 1 risk-based capital ratio | 17.1813% | 2,594 |
| Total risk-based capital ratio | 17.3999% | 3,057 |
| Memoranda: | ||
| Average total assets | $271,132,670 | 2,366 |
| Average earning assets | $261,142,000 | 2,248 |
| Average equity | $23,645,330 | 2,795 |
| Average total loans | $227,458,000 | 1,797 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5227% | 3,830 |
| Cost of funding earning assets | 1.3570% | 495 |
| Net interest margin | 3.1658% | 5,861 |
| Noninterest income to average assets | 0.2167% | 6,066 |
| Noninterest expense to average assets | 3.0439% | 3,101 |
| Loan and lease loss provision to assets | 0.0516% | 4,766 |
| Net operating income to assets | 0.1106% | 6,219 |
| Return on assets (ROA) | 0.1106% | 6,345 |
| Pretax return on assets | 0.1680% | 6,259 |
| Return on Equity (ROE) | 1.2696% | 6,293 |
| Retained earnings to average equity (ytd only) | 1.2696% | 5,586 |
| Net charge-offs to loans | 0.0612% | 3,881 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 4.2571% | 2,618 |
| Efficiency ratio | 93.2701% | 867 |
| Assets per employee ($millions) | 5.0731% | 2,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1318% | 7,214 |
| Loan loss allowance to noncurrent loans | 19.6592% | 6,575 |
| Noncurrent assets plus other real estate owned to assets | 0.7881% | 4,970 |
| Noncurrent loans to loans | 0.6703% | 5,313 |
| Net loans and leases to total assets | 82.9901% | 222 |
| Net loans and leases to deposits | 94.7967% | 615 |
| Net loans and leases to core deposits | 99.2483% | 1,037 |
| Total domestic deposits to total assets | 87.5454% | 2,624 |
| Equity capital to assets | 8.6352% | 5,948 |
| Core capital (leverage) ratio | 8.6057% | 5,436 |
| Tier 1 risk-based capital ratio | 16.6991% | 2,812 |
| Total risk-based capital ratio | 16.9116% | 3,328 |
| Memoranda: | ||
| Average total assets | $271,359,500 | 2,371 |
| Average earning assets | $261,169,500 | 2,269 |
| Average equity | $23,630,000 | 2,795 |
| Average total loans | $228,719,500 | 1,803 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7435% | 4,061 |
| Cost of funding earning assets | 1.5478% | 592 |
| Net interest margin | 3.1957% | 6,107 |
| Noninterest income to average assets | 0.1874% | 6,156 |
| Noninterest expense to average assets | 2.8797% | 4,044 |
| Loan and lease loss provision to assets | 0.1004% | 5,335 |
| Net operating income to assets | 0.1874% | 5,628 |
| Return on assets (ROA) | 0.1874% | 5,760 |
| Pretax return on assets | 0.2844% | 5,601 |
| Return on Equity (ROE) | 2.1580% | 5,604 |
| Retained earnings to average equity (ytd only) | 2.1580% | 4,682 |
| Net charge-offs to loans | 0.0426% | 5,881 |
| Credit loss provision to net charge-offs | 270.0000% | 890 |
| Earnings coverage of net charge-offs (x) | 10.3500% | 1,848 |
| Efficiency ratio | 88.2132% | 1,345 |
| Assets per employee ($millions) | 5.0712% | 2,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1306% | 7,273 |
| Loan loss allowance to noncurrent loans | 18.2593% | 6,664 |
| Noncurrent assets plus other real estate owned to assets | 0.7944% | 5,044 |
| Noncurrent loans to loans | 0.7150% | 5,269 |
| Net loans and leases to total assets | 85.3846% | 151 |
| Net loans and leases to deposits | 97.7739% | 573 |
| Net loans and leases to core deposits | 102.0877% | 1,022 |
| Total domestic deposits to total assets | 87.3287% | 2,566 |
| Equity capital to assets | 8.7822% | 5,816 |
| Core capital (leverage) ratio | 8.7472% | 5,178 |
| Tier 1 risk-based capital ratio | 16.0140% | 3,041 |
| Total risk-based capital ratio | 16.2184% | 3,616 |
| Memoranda: | ||
| Average total assets | $268,989,800 | 2,347 |
| Average earning assets | $259,004,800 | 2,242 |
| Average equity | $23,355,200 | 2,742 |
| Average total loans | $234,517,400 | 1,784 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7650% | 4,166 |
| Cost of funding earning assets | 1.5871% | 618 |
| Net interest margin | 3.1779% | 6,208 |
| Noninterest income to average assets | 0.1953% | 6,200 |
| Noninterest expense to average assets | 2.8793% | 4,016 |
| Loan and lease loss provision to assets | 0.0991% | 5,217 |
| Net operating income to assets | 0.1834% | 5,748 |
| Return on assets (ROA) | 0.1834% | 5,870 |
| Pretax return on assets | 0.2780% | 5,754 |
| Return on Equity (ROE) | 2.1179% | 5,736 |
| Retained earnings to average equity (ytd only) | 2.1179% | 5,079 |
| Net charge-offs to loans | 0.0209% | 5,863 |
| Credit loss provision to net charge-offs | 540.5405% | 509 |
| Earnings coverage of net charge-offs (x) | 20.5684% | 1,214 |
| Efficiency ratio | 88.4188% | 1,304 |
| Assets per employee ($millions) | 5.0366% | 2,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1275% | 7,348 |
| Loan loss allowance to noncurrent loans | 20.3528% | 6,667 |
| Noncurrent assets plus other real estate owned to assets | 0.7447% | 5,296 |
| Noncurrent loans to loans | 0.6263% | 5,638 |
| Net loans and leases to total assets | 88.0535% | 80 |
| Net loans and leases to deposits | 101.0824% | 423 |
| Net loans and leases to core deposits | 105.2874% | 903 |
| Total domestic deposits to total assets | 87.1106% | 2,584 |
| Equity capital to assets | 8.7978% | 5,982 |
| Core capital (leverage) ratio | 8.7575% | 5,325 |
| Tier 1 risk-based capital ratio | 15.7782% | 3,232 |
| Total risk-based capital ratio | 15.9807% | 3,794 |
| Memoranda: | ||
| Average total assets | $269,044,250 | 2,361 |
| Average earning assets | $259,158,250 | 2,251 |
| Average equity | $23,293,000 | 2,749 |
| Average total loans | $235,699,250 | 1,793 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7699% | 4,210 |
| Cost of funding earning assets | 1.6272% | 626 |
| Net interest margin | 3.1427% | 6,297 |
| Noninterest income to average assets | 0.1994% | 6,243 |
| Noninterest expense to average assets | 2.8679% | 4,151 |
| Loan and lease loss provision to assets | 0.0608% | 5,546 |
| Net operating income to assets | 0.1957% | 5,752 |
| Return on assets (ROA) | 0.1957% | 5,870 |
| Pretax return on assets | 0.2966% | 5,679 |
| Return on Equity (ROE) | 2.2730% | 5,689 |
| Retained earnings to average equity (ytd only) | 2.2730% | 4,841 |
| Net charge-offs to loans | 0.0085% | 5,734 |
| Credit loss provision to net charge-offs | 820.0000% | 405 |
| Earnings coverage of net charge-offs (x) | 48.2000% | 641 |
| Efficiency ratio | 88.9195% | 1,328 |
| Assets per employee ($millions) | 5.1571% | 1,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1266% | 7,415 |
| Loan loss allowance to noncurrent loans | 16.6667% | 6,820 |
| Noncurrent assets plus other real estate owned to assets | 0.7462% | 5,421 |
| Noncurrent loans to loans | 0.7598% | 5,388 |
| Net loans and leases to total assets | 88.2269% | 76 |
| Net loans and leases to deposits | 101.2405% | 439 |
| Net loans and leases to core deposits | 105.4104% | 965 |
| Total domestic deposits to total assets | 87.1459% | 2,658 |
| Equity capital to assets | 8.7250% | 5,910 |
| Core capital (leverage) ratio | 8.6784% | 5,259 |
| Tier 1 risk-based capital ratio | 15.5817% | 3,197 |
| Total risk-based capital ratio | 15.7827% | 3,739 |
| Memoranda: | ||
| Average total assets | $269,745,330 | 2,369 |
| Average earning assets | $259,712,670 | 2,256 |
| Average equity | $23,229,000 | 2,740 |
| Average total loans | $235,815,330 | 1,813 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7648% | 4,229 |
| Cost of funding earning assets | 1.6794% | 607 |
| Net interest margin | 3.0854% | 6,384 |
| Noninterest income to average assets | 0.2233% | 6,132 |
| Noninterest expense to average assets | 2.9630% | 3,802 |
| Loan and lease loss provision to assets | 0.0384% | 5,513 |
| Net operating income to assets | 0.1257% | 6,023 |
| Return on assets (ROA) | 0.1257% | 6,081 |
| Pretax return on assets | 0.1907% | 5,960 |
| Return on Equity (ROE) | 1.4690% | 5,993 |
| Retained earnings to average equity (ytd only) | 1.4690% | 5,225 |
| Net charge-offs to loans | 0.0102% | 4,955 |
| Credit loss provision to net charge-offs | 433.3333% | 801 |
| Earnings coverage of net charge-offs (x) | 25.8333% | 949 |
| Efficiency ratio | 92.8208% | 1,107 |
| Assets per employee ($millions) | 5.1847% | 1,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1279% | 7,467 |
| Loan loss allowance to noncurrent loans | 20.6612% | 6,749 |
| Noncurrent assets plus other real estate owned to assets | 0.7203% | 5,496 |
| Noncurrent loans to loans | 0.6192% | 5,793 |
| Net loans and leases to total assets | 86.8607% | 106 |
| Net loans and leases to deposits | 99.4365% | 502 |
| Net loans and leases to core deposits | 103.7365% | 1,080 |
| Total domestic deposits to total assets | 87.3529% | 2,735 |
| Equity capital to assets | 8.5941% | 5,777 |
| Core capital (leverage) ratio | 8.5639% | 5,323 |
| Tier 1 risk-based capital ratio | 15.4447% | 3,178 |
| Total risk-based capital ratio | 15.6454% | 3,771 |
| Memoranda: | ||
| Average total assets | $270,532,500 | 2,384 |
| Average earning assets | $260,325,500 | 2,271 |
| Average equity | $23,144,500 | 2,732 |
| Average total loans | $235,273,500 | 1,825 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0614% | 4,277 |
| Cost of funding earning assets | 1.9953% | 618 |
| Net interest margin | 3.0661% | 6,604 |
| Noninterest income to average assets | 0.1828% | 6,449 |
| Noninterest expense to average assets | 3.0424% | 3,684 |
| Loan and lease loss provision to assets | 0.0481% | 6,677 |
| Net operating income to assets | 0.0250% | 5,765 |
| Return on assets (ROA) | 0.0250% | 5,900 |
| Pretax return on assets | 0.0377% | 5,819 |
| Return on Equity (ROE) | 0.2906% | 5,885 |
| Retained earnings to average equity (ytd only) | 0.2906% | 5,439 |
| Net charge-offs to loans | 0.0133% | 6,694 |
| Credit loss provision to net charge-offs | 403.1250% | 605 |
| Earnings coverage of net charge-offs (x) | 7.1875% | 2,183 |
| Efficiency ratio | 97.1732% | 908 |
| Assets per employee ($millions) | 5.2204% | 1,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1271% | 7,547 |
| Loan loss allowance to noncurrent loans | 17.1331% | 6,909 |
| Noncurrent assets plus other real estate owned to assets | 0.7975% | 5,416 |
| Noncurrent loans to loans | 0.7417% | 5,561 |
| Net loans and leases to total assets | 86.8511% | 138 |
| Net loans and leases to deposits | 99.4797% | 609 |
| Net loans and leases to core deposits | 102.9681% | 1,392 |
| Total domestic deposits to total assets | 87.3054% | 2,663 |
| Equity capital to assets | 8.5165% | 5,833 |
| Core capital (leverage) ratio | 8.4754% | 5,410 |
| Tier 1 risk-based capital ratio | 15.2314% | 3,138 |
| Total risk-based capital ratio | 15.4301% | 3,708 |
| Memoranda: | ||
| Average total assets | $268,013,400 | 2,380 |
| Average earning assets | $257,457,600 | 2,279 |
| Average equity | $23,057,600 | 2,752 |
| Average total loans | $239,990,400 | 1,821 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1167% | 4,232 |
| Cost of funding earning assets | 2.0462% | 650 |
| Net interest margin | 3.0704% | 6,686 |
| Noninterest income to average assets | 0.1837% | 6,567 |
| Noninterest expense to average assets | 3.0913% | 3,370 |
| Loan and lease loss provision to assets | 0.0449% | 6,639 |
| Net operating income to assets | -0.0030% | 6,008 |
| Return on assets (ROA) | -0.0030% | 6,134 |
| Pretax return on assets | -0.0050% | 6,095 |
| Return on Equity (ROE) | -0.0347% | 6,136 |
| Retained earnings to average equity (ytd only) | -0.0347% | 5,791 |
| Net charge-offs to loans | 0.0100% | 6,528 |
| Credit loss provision to net charge-offs | 500.0000% | 580 |
| Earnings coverage of net charge-offs (x) | 4.4442% | 3,047 |
| Efficiency ratio | 98.6452% | 796 |
| Assets per employee ($millions) | 5.1333% | 2,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1250% | 7,662 |
| Loan loss allowance to noncurrent loans | 23.8474% | 6,714 |
| Noncurrent assets plus other real estate owned to assets | 0.6204% | 5,891 |
| Noncurrent loans to loans | 0.5243% | 6,148 |
| Net loans and leases to total assets | 89.7838% | 63 |
| Net loans and leases to deposits | 103.1692% | 474 |
| Net loans and leases to core deposits | 106.7224% | 1,261 |
| Total domestic deposits to total assets | 87.0258% | 2,512 |
| Equity capital to assets | 8.6502% | 6,102 |
| Core capital (leverage) ratio | 8.5927% | 5,358 |
| Tier 1 risk-based capital ratio | 15.1526% | 3,179 |
| Total risk-based capital ratio | 15.3510% | 3,736 |
| Memoranda: | ||
| Average total assets | $267,151,500 | 2,422 |
| Average earning assets | $256,463,500 | 2,318 |
| Average equity | $23,042,250 | 2,798 |
| Average total loans | $240,971,250 | 1,839 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1222% | 4,336 |
| Cost of funding earning assets | 2.0990% | 660 |
| Net interest margin | 3.0233% | 6,785 |
| Noninterest income to average assets | 0.1901% | 6,544 |
| Noninterest expense to average assets | 3.1539% | 3,073 |
| Loan and lease loss provision to assets | 0.0464% | 6,503 |
| Net operating income to assets | -0.0718% | 6,189 |
| Return on assets (ROA) | -0.0718% | 6,276 |
| Pretax return on assets | -0.1093% | 6,256 |
| Return on Equity (ROE) | -0.8338% | 6,299 |
| Retained earnings to average equity (ytd only) | -0.8338% | 5,933 |
| Net charge-offs to loans | 0.0075% | 6,256 |
| Credit loss provision to net charge-offs | 688.8889% | 542 |
| Earnings coverage of net charge-offs (x) | -9.3333% | 6,321 |
| Efficiency ratio | 101.9613% | 737 |
| Assets per employee ($millions) | 5.1538% | 1,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1234% | 7,732 |
| Loan loss allowance to noncurrent loans | 17.8359% | 7,035 |
| Noncurrent assets plus other real estate owned to assets | 0.8761% | 5,371 |
| Noncurrent loans to loans | 0.6920% | 5,863 |
| Net loans and leases to total assets | 90.5891% | 53 |
| Net loans and leases to deposits | 104.0443% | 482 |
| Net loans and leases to core deposits | 107.3489% | 1,353 |
| Total domestic deposits to total assets | 87.0678% | 2,494 |
| Equity capital to assets | 8.5811% | 6,043 |
| Core capital (leverage) ratio | 8.5237% | 5,367 |
| Tier 1 risk-based capital ratio | 14.9228% | 3,194 |
| Total risk-based capital ratio | 15.1189% | 3,784 |
| Memoranda: | ||
| Average total assets | $267,225,670 | 2,441 |
| Average earning assets | $256,411,330 | 2,343 |
| Average equity | $23,026,330 | 2,797 |
| Average total loans | $241,308,670 | 1,865 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1299% | 4,396 |
| Cost of funding earning assets | 2.1204% | 757 |
| Net interest margin | 3.0095% | 6,811 |
| Noninterest income to average assets | 0.1904% | 6,604 |
| Noninterest expense to average assets | 3.1150% | 3,212 |
| Loan and lease loss provision to assets | 0.0450% | 6,224 |
| Net operating income to assets | -0.0540% | 6,373 |
| Return on assets (ROA) | -0.0540% | 6,459 |
| Pretax return on assets | -0.0824% | 6,443 |
| Return on Equity (ROE) | -0.6250% | 6,481 |
| Retained earnings to average equity (ytd only) | -0.6250% | 5,976 |
| Net charge-offs to loans | 0.0133% | 5,395 |
| Credit loss provision to net charge-offs | 375.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | -3.1250% | 5,503 |
| Efficiency ratio | 101.1690% | 803 |
| Assets per employee ($millions) | 4.9393% | 2,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1243% | 7,835 |
| Loan loss allowance to noncurrent loans | 16.0514% | 7,178 |
| Noncurrent assets plus other real estate owned to assets | 0.8732% | 5,412 |
| Noncurrent loans to loans | 0.7746% | 5,778 |
| Net loans and leases to total assets | 90.3551% | 60 |
| Net loans and leases to deposits | 103.7805% | 542 |
| Net loans and leases to core deposits | 106.9406% | 1,499 |
| Total domestic deposits to total assets | 87.0636% | 2,599 |
| Equity capital to assets | 8.6300% | 5,832 |
| Core capital (leverage) ratio | 8.5855% | 5,230 |
| Tier 1 risk-based capital ratio | 15.0294% | 3,111 |
| Total risk-based capital ratio | 15.2264% | 3,630 |
| Memoranda: | ||
| Average total assets | $266,840,000 | 2,500 |
| Average earning assets | $255,989,000 | 2,392 |
| Average equity | $23,041,000 | 2,817 |
| Average total loans | $240,425,000 | 1,924 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3467% | 4,952 |
| Cost of funding earning assets | 2.4866% | 1,051 |
| Net interest margin | 2.8601% | 6,939 |
| Noninterest income to average assets | 0.2328% | 6,448 |
| Noninterest expense to average assets | 3.0052% | 4,120 |
| Loan and lease loss provision to assets | 0.0477% | 7,086 |
| Net operating income to assets | -0.0416% | 5,567 |
| Return on assets (ROA) | -0.0416% | 5,595 |
| Pretax return on assets | -0.0632% | 5,543 |
| Return on Equity (ROE) | -0.4750% | 5,618 |
| Retained earnings to average equity (ytd only) | -0.4750% | 5,098 |
| Net charge-offs to loans | 0.0135% | 7,031 |
| Credit loss provision to net charge-offs | 393.7500% | 806 |
| Earnings coverage of net charge-offs (x) | -1.2813% | 6,925 |
| Efficiency ratio | 100.4558% | 1,077 |
| Assets per employee ($millions) | 5.0370% | 2,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1252% | 7,907 |
| Loan loss allowance to noncurrent loans | 15.5521% | 7,231 |
| Noncurrent assets plus other real estate owned to assets | 0.9368% | 5,232 |
| Noncurrent loans to loans | 0.8052% | 5,670 |
| Net loans and leases to total assets | 89.6220% | 99 |
| Net loans and leases to deposits | 102.9049% | 700 |
| Net loans and leases to core deposits | 123.3171% | 1,688 |
| Total domestic deposits to total assets | 87.0921% | 2,450 |
| Equity capital to assets | 8.6395% | 5,682 |
| Core capital (leverage) ratio | 8.5909% | 5,113 |
| Tier 1 risk-based capital ratio | 15.0802% | 2,897 |
| Total risk-based capital ratio | 15.2775% | 3,435 |
| Memoranda: | ||
| Average total assets | $264,177,600 | 2,477 |
| Average earning assets | $254,644,200 | 2,367 |
| Average equity | $23,157,000 | 2,810 |
| Average total loans | $237,618,400 | 1,974 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3983% | 4,960 |
| Cost of funding earning assets | 2.5547% | 1,145 |
| Net interest margin | 2.8436% | 6,977 |
| Noninterest income to average assets | 0.2373% | 6,531 |
| Noninterest expense to average assets | 3.0276% | 3,943 |
| Loan and lease loss provision to assets | 0.0466% | 6,905 |
| Net operating income to assets | -0.0607% | 5,824 |
| Return on assets (ROA) | -0.0607% | 5,871 |
| Pretax return on assets | -0.0921% | 5,837 |
| Return on Equity (ROE) | -0.6902% | 5,886 |
| Retained earnings to average equity (ytd only) | -0.6902% | 5,405 |
| Net charge-offs to loans | 0.0129% | 6,739 |
| Credit loss provision to net charge-offs | 400.0000% | 988 |
| Earnings coverage of net charge-offs (x) | -3.9126% | 6,824 |
| Efficiency ratio | 101.4763% | 1,002 |
| Assets per employee ($millions) | 4.9515% | 2,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1258% | 7,995 |
| Loan loss allowance to noncurrent loans | 14.1777% | 7,357 |
| Noncurrent assets plus other real estate owned to assets | 0.8318% | 5,423 |
| Noncurrent loans to loans | 0.8870% | 5,511 |
| Net loans and leases to total assets | 89.1031% | 151 |
| Net loans and leases to deposits | 102.7179% | 866 |
| Net loans and leases to core deposits | 124.6816% | 1,842 |
| Total domestic deposits to total assets | 86.7455% | 2,305 |
| Equity capital to assets | 8.6386% | 6,057 |
| Core capital (leverage) ratio | 8.5744% | 5,340 |
| Tier 1 risk-based capital ratio | 15.0412% | 3,017 |
| Total risk-based capital ratio | 15.2382% | 3,508 |
| Memoranda: | ||
| Average total assets | $263,482,000 | 2,497 |
| Average earning assets | $254,322,750 | 2,389 |
| Average equity | $23,180,250 | 2,836 |
| Average total loans | $237,134,250 | 2,003 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4763% | 4,745 |
| Cost of funding earning assets | 2.5682% | 1,378 |
| Net interest margin | 2.9081% | 6,782 |
| Noninterest income to average assets | 0.2426% | 6,547 |
| Noninterest expense to average assets | 3.0872% | 3,752 |
| Loan and lease loss provision to assets | 0.0679% | 6,526 |
| Net operating income to assets | -0.0702% | 5,954 |
| Return on assets (ROA) | -0.0702% | 6,020 |
| Pretax return on assets | -0.1060% | 5,998 |
| Return on Equity (ROE) | -0.7928% | 6,047 |
| Retained earnings to average equity (ytd only) | -0.7928% | 5,427 |
| Net charge-offs to loans | 0.0169% | 6,288 |
| Credit loss provision to net charge-offs | 445.0000% | 1,046 |
| Earnings coverage of net charge-offs (x) | -2.5000% | 6,384 |
| Efficiency ratio | 101.2009% | 1,118 |
| Assets per employee ($millions) | 4.8710% | 2,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1264% | 8,090 |
| Loan loss allowance to noncurrent loans | 21.9138% | 7,020 |
| Noncurrent assets plus other real estate owned to assets | 0.6250% | 5,849 |
| Noncurrent loans to loans | 0.5767% | 6,106 |
| Net loans and leases to total assets | 90.1369% | 126 |
| Net loans and leases to deposits | 104.8992% | 838 |
| Net loans and leases to core deposits | 127.4138% | 1,752 |
| Total domestic deposits to total assets | 85.9272% | 2,830 |
| Equity capital to assets | 8.7947% | 5,606 |
| Core capital (leverage) ratio | 8.7274% | 5,044 |
| Tier 1 risk-based capital ratio | 14.9560% | 3,041 |
| Total risk-based capital ratio | 15.1516% | 3,513 |
| Memoranda: | ||
| Average total assets | $262,182,670 | 2,517 |
| Average earning assets | $253,016,000 | 2,413 |
| Average equity | $23,207,670 | 2,845 |
| Average total loans | $236,664,330 | 2,030 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5215% | 4,801 |
| Cost of funding earning assets | 2.5881% | 1,601 |
| Net interest margin | 2.9334% | 6,660 |
| Noninterest income to average assets | 0.2567% | 6,397 |
| Noninterest expense to average assets | 3.1388% | 3,237 |
| Loan and lease loss provision to assets | 0.0153% | 6,663 |
| Net operating income to assets | -0.0443% | 6,326 |
| Return on assets (ROA) | -0.0443% | 6,451 |
| Pretax return on assets | -0.0672% | 6,448 |
| Return on Equity (ROE) | -0.4990% | 6,467 |
| Retained earnings to average equity (ytd only) | -0.4990% | 5,765 |
| Net charge-offs to loans | 0.0169% | 5,335 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | -3.4000% | 5,522 |
| Efficiency ratio | 101.6337% | 1,065 |
| Assets per employee ($millions) | 4.9573% | 2,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1277% | 8,144 |
| Loan loss allowance to noncurrent loans | 25.4237% | 6,872 |
| Noncurrent assets plus other real estate owned to assets | 0.5622% | 5,793 |
| Noncurrent loans to loans | 0.5023% | 6,171 |
| Net loans and leases to total assets | 89.3041% | 175 |
| Net loans and leases to deposits | 106.8743% | 803 |
| Net loans and leases to core deposits | 128.2419% | 1,763 |
| Total domestic deposits to total assets | 83.5599% | 3,894 |
| Equity capital to assets | 8.8374% | 5,565 |
| Core capital (leverage) ratio | 8.7613% | 5,042 |
| Tier 1 risk-based capital ratio | 15.0525% | 3,041 |
| Total risk-based capital ratio | 15.2488% | 3,511 |
| Memoranda: | ||
| Average total assets | $261,758,000 | 2,533 |
| Average earning assets | $252,539,000 | 2,428 |
| Average equity | $23,245,000 | 2,853 |
| Average total loans | $236,302,000 | 2,050 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8222% | 6,365 |
| Cost of funding earning assets | 3.0142% | 1,822 |
| Net interest margin | 2.8080% | 7,318 |
| Noninterest income to average assets | 0.1919% | 7,083 |
| Noninterest expense to average assets | 2.8441% | 4,629 |
| Loan and lease loss provision to assets | 0.0449% | 6,849 |
| Net operating income to assets | 0.0057% | 6,352 |
| Return on assets (ROA) | 0.0072% | 6,211 |
| Pretax return on assets | 0.0110% | 6,136 |
| Return on Equity (ROE) | 0.0822% | 6,205 |
| Retained earnings to average equity (ytd only) | 0.0822% | 5,184 |
| Net charge-offs to loans | 0.0075% | 6,842 |
| Credit loss provision to net charge-offs | 655.5556% | 648 |
| Earnings coverage of net charge-offs (x) | 7.8333% | 3,016 |
| Efficiency ratio | 98.0554% | 1,060 |
| Assets per employee ($millions) | 4.9204% | 2,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1262% | 8,203 |
| Loan loss allowance to noncurrent loans | 23.3463% | 7,081 |
| Noncurrent assets plus other real estate owned to assets | 0.5533% | 5,522 |
| Noncurrent loans to loans | 0.5407% | 5,742 |
| Net loans and leases to total assets | 91.0231% | 131 |
| Net loans and leases to deposits | 108.8234% | 913 |
| Net loans and leases to core deposits | 130.2077% | 1,837 |
| Total domestic deposits to total assets | 83.6429% | 3,508 |
| Equity capital to assets | 8.9236% | 5,466 |
| Core capital (leverage) ratio | 8.8427% | 4,980 |
| Tier 1 risk-based capital ratio | 15.0239% | 3,033 |
| Total risk-based capital ratio | 15.2196% | 3,482 |
| Memoranda: | ||
| Average total assets | $262,645,200 | 2,440 |
| Average earning assets | $253,099,800 | 2,345 |
| Average equity | $23,119,200 | 2,838 |
| Average total loans | $238,677,000 | 1,979 |