Home > First Federal Bank, A FSB > Performance and Condition Ratios
First Federal Bank, A FSB, 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 | 5.3598% | 1,374 |
| Cost of funding earning assets | 2.9157% | 169 |
| Net interest margin | 2.4441% | 4,148 |
| Noninterest income to average assets | 5.4000% | 122 |
| Noninterest expense to average assets | 8.7903% | 126 |
| Loan and lease loss provision to assets | 0.2000% | 621 |
| Net operating income to assets | -1.3062% | 4,546 |
| Return on assets (ROA) | -1.3062% | 4,541 |
| Pretax return on assets | -1.3974% | 4,541 |
| Return on Equity (ROE) | -15.0000% | 4,525 |
| Retained earnings to average equity (ytd only) | -16.6318% | 4,506 |
| Net charge-offs to loans | 0.0865% | 998 |
| Credit loss provision to net charge-offs | 278.1513% | 1,005 |
| Earnings coverage of net charge-offs (x) | -16.6639% | 4,560 |
| Efficiency ratio | 115.7719% | 87 |
| Assets per employee ($millions) | 1.7150% | 4,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9234% | 3,635 |
| Loan loss allowance to noncurrent loans | 319.5294% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.4590% | 1,213 |
| Noncurrent loans to loans | 0.2890% | 2,142 |
| Net loans and leases to total assets | 83.2900% | 321 |
| Net loans and leases to deposits | 135.0809% | 33 |
| Net loans and leases to core deposits | 157.8251% | 164 |
| Total domestic deposits to total assets | 61.6600% | 4,424 |
| Equity capital to assets | 7.7058% | 3,598 |
| Core capital (leverage) ratio | 8.0793% | 4,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6533% | 2,003 |
| Memoranda: | ||
| Average total assets | $165,592,400 | 3,229 |
| Average earning assets | $148,848,600 | 3,259 |
| Average equity | $14,424,200 | 3,310 |
| Average total loans | $137,502,800 | 2,793 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2364% | 1,384 |
| Cost of funding earning assets | 2.7158% | 186 |
| Net interest margin | 2.5206% | 4,119 |
| Noninterest income to average assets | 6.0100% | 114 |
| Noninterest expense to average assets | 8.9043% | 122 |
| Loan and lease loss provision to assets | 0.2200% | 486 |
| Net operating income to assets | -0.7914% | 4,556 |
| Return on assets (ROA) | -0.7914% | 4,550 |
| Pretax return on assets | -0.8494% | 4,541 |
| Return on Equity (ROE) | -8.8100% | 4,534 |
| Retained earnings to average equity (ytd only) | -10.9591% | 4,507 |
| Net charge-offs to loans | 0.1125% | 710 |
| Credit loss provision to net charge-offs | 237.7193% | 1,015 |
| Earnings coverage of net charge-offs (x) | -6.7456% | 4,591 |
| Efficiency ratio | 107.5883% | 116 |
| Assets per employee ($millions) | 1.6349% | 4,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8912% | 3,758 |
| Loan loss allowance to noncurrent loans | 296.8109% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.4585% | 1,269 |
| Noncurrent loans to loans | 0.3002% | 2,155 |
| Net loans and leases to total assets | 81.3200% | 494 |
| Net loans and leases to deposits | 130.9761% | 40 |
| Net loans and leases to core deposits | 153.8377% | 132 |
| Total domestic deposits to total assets | 62.0900% | 4,445 |
| Equity capital to assets | 8.2339% | 2,896 |
| Core capital (leverage) ratio | 8.7320% | 3,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8372% | 1,614 |
| Memoranda: | ||
| Average total assets | $163,257,000 | 3,255 |
| Average earning assets | $146,891,500 | 3,287 |
| Average equity | $14,660,250 | 3,294 |
| Average total loans | $135,113,750 | 2,821 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0751% | 1,411 |
| Cost of funding earning assets | 2.4152% | 221 |
| Net interest margin | 2.6599% | 4,024 |
| Noninterest income to average assets | 6.3500% | 107 |
| Noninterest expense to average assets | 9.0197% | 120 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | -0.4220% | 4,559 |
| Return on assets (ROA) | -0.4220% | 4,551 |
| Pretax return on assets | -0.4549% | 4,549 |
| Return on Equity (ROE) | -4.5600% | 4,536 |
| Retained earnings to average equity (ytd only) | -7.7784% | 4,482 |
| Net charge-offs to loans | 0.1004% | 677 |
| Credit loss provision to net charge-offs | 204.5455% | 1,040 |
| Earnings coverage of net charge-offs (x) | -3.4091% | 4,622 |
| Efficiency ratio | 103.2547% | 135 |
| Assets per employee ($millions) | 2.2669% | 4,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8207% | 3,972 |
| Loan loss allowance to noncurrent loans | 136.8243% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 0.5087% | 1,066 |
| Noncurrent loans to loans | 0.5998% | 1,240 |
| Net loans and leases to total assets | 84.1200% | 262 |
| Net loans and leases to deposits | 133.8356% | 41 |
| Net loans and leases to core deposits | 158.2820% | 107 |
| Total domestic deposits to total assets | 62.8500% | 4,465 |
| Equity capital to assets | 8.1968% | 3,088 |
| Core capital (leverage) ratio | 8.7977% | 3,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6379% | 1,678 |
| Memoranda: | ||
| Average total assets | $158,275,333 | 3,313 |
| Average earning assets | $142,184,667 | 3,338 |
| Average equity | $14,656,000 | 3,306 |
| Average total loans | $131,413,333 | 2,851 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7791% | 1,671 |
| Cost of funding earning assets | 1.8324% | 427 |
| Net interest margin | 2.9467% | 3,706 |
| Noninterest income to average assets | 6.0900% | 117 |
| Noninterest expense to average assets | 8.9013% | 120 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | -0.2558% | 4,564 |
| Return on assets (ROA) | -0.2558% | 4,551 |
| Pretax return on assets | -0.2744% | 4,542 |
| Return on Equity (ROE) | -2.5900% | 4,518 |
| Retained earnings to average equity (ytd only) | -2.5893% | 4,230 |
| Net charge-offs to loans | -0.0130% | 3,941 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 102.0776% | 149 |
| Assets per employee ($millions) | 1.4609% | 4,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8848% | 3,896 |
| Loan loss allowance to noncurrent loans | 111.0590% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 0.7635% | 627 |
| Noncurrent loans to loans | 0.7967% | 969 |
| Net loans and leases to total assets | 82.6000% | 316 |
| Net loans and leases to deposits | 124.2065% | 60 |
| Net loans and leases to core deposits | 145.5520% | 147 |
| Total domestic deposits to total assets | 66.5000% | 4,479 |
| Equity capital to assets | 9.1984% | 2,369 |
| Core capital (leverage) ratio | 10.5198% | 2,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7273% | 1,203 |
| Memoranda: | ||
| Average total assets | $150,135,500 | 3,424 |
| Average earning assets | $134,250,500 | 3,466 |
| Average equity | $14,830,000 | 3,320 |
| Average total loans | $123,095,000 | 2,946 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1027% | 1,471 |
| Cost of funding earning assets | 0.4652% | 1,616 |
| Net interest margin | 3.6375% | 1,531 |
| Noninterest income to average assets | 9.0400% | 105 |
| Noninterest expense to average assets | 12.7772% | 92 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | -0.6170% | 4,651 |
| Return on assets (ROA) | -0.6170% | 4,642 |
| Pretax return on assets | -0.6506% | 4,638 |
| Return on Equity (ROE) | -4.6500% | 4,622 |
| Retained earnings to average equity (ytd only) | -47.1094% | 4,718 |
| Net charge-offs to loans | 0.0213% | 1,653 |
| Credit loss provision to net charge-offs | 909.0909% | 460 |
| Earnings coverage of net charge-offs (x) | -28.7273% | 4,710 |
| Efficiency ratio | 104.0237% | 123 |
| Assets per employee ($millions) | 1.2915% | 4,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0208% | 3,253 |
| Loan loss allowance to noncurrent loans | 196.9072% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 0.5320% | 942 |
| Noncurrent loans to loans | 0.5184% | 1,406 |
| Net loans and leases to total assets | 79.6700% | 629 |
| Net loans and leases to deposits | 115.7987% | 98 |
| Net loans and leases to core deposits | 135.6641% | 177 |
| Total domestic deposits to total assets | 68.8000% | 4,495 |
| Equity capital to assets | 10.6412% | 1,394 |
| Core capital (leverage) ratio | 12.0809% | 1,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9989% | 1,127 |
| Memoranda: | ||
| Average total assets | $127,876,600 | 3,653 |
| Average earning assets | $113,924,800 | 3,687 |
| Average equity | $16,958,400 | 3,204 |
| Average total loans | $103,373,200 | 3,101 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9945% | 1,277 |
| Cost of funding earning assets | 0.3652% | 1,565 |
| Net interest margin | 3.6293% | 1,319 |
| Noninterest income to average assets | 10.5500% | 99 |
| Noninterest expense to average assets | 13.9137% | 87 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -0.1206% | 4,630 |
| Return on assets (ROA) | -0.1206% | 4,607 |
| Pretax return on assets | -0.1312% | 4,605 |
| Return on Equity (ROE) | -0.8600% | 4,584 |
| Retained earnings to average equity (ytd only) | -55.7565% | 4,757 |
| Net charge-offs to loans | 0.0343% | 1,176 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | -4.7308% | 4,726 |
| Efficiency ratio | 100.9521% | 145 |
| Assets per employee ($millions) | 1.0332% | 4,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9818% | 3,564 |
| Loan loss allowance to noncurrent loans | 73.1935% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 1.0831% | 405 |
| Noncurrent loans to loans | 1.3413% | 544 |
| Net loans and leases to total assets | 79.9600% | 532 |
| Net loans and leases to deposits | 100.8107% | 333 |
| Net loans and leases to core deposits | 117.0395% | 313 |
| Total domestic deposits to total assets | 79.3100% | 4,156 |
| Equity capital to assets | 13.0598% | 668 |
| Core capital (leverage) ratio | 12.7009% | 991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5457% | 597 |
| Memoranda: | ||
| Average total assets | $124,976,500 | 3,714 |
| Average earning assets | $111,351,000 | 3,734 |
| Average equity | $17,487,500 | 3,199 |
| Average total loans | $101,150,750 | 3,139 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7050% | 1,523 |
| Cost of funding earning assets | 0.3176% | 1,552 |
| Net interest margin | 3.3874% | 1,641 |
| Noninterest income to average assets | 11.3298% | 54 |
| Noninterest expense to average assets | 14.0867% | 52 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2503% | 4,363 |
| Return on assets (ROA) | 0.2503% | 4,323 |
| Pretax return on assets | 0.2661% | 4,338 |
| Return on Equity (ROE) | 1.7526% | 4,376 |
| Retained earnings to average equity (ytd only) | -77.6124% | 4,765 |
| Net charge-offs to loans | 0.0564% | 829 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 5.8276% | 1,918 |
| Efficiency ratio | 98.1461% | 215 |
| Assets per employee ($millions) | 1.0928% | 4,731 |
| Cash dividends to net income (ytd only)* | 4,528.3019% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8944% | 3,966 |
| Loan loss allowance to noncurrent loans | 137.6833% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 0.5987% | 936 |
| Noncurrent loans to loans | 0.6496% | 1,315 |
| Net loans and leases to total assets | 80.6859% | 358 |
| Net loans and leases to deposits | 107.7753% | 105 |
| Net loans and leases to core deposits | 122.7576% | 172 |
| Total domestic deposits to total assets | 74.8649% | 4,511 |
| Equity capital to assets | 12.2453% | 809 |
| Core capital (leverage) ratio | 12.4876% | 974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1045% | 619 |
| Memoranda: | ||
| Average total assets | $127,027,667 | 3,728 |
| Average earning assets | $113,360,000 | 3,774 |
| Average equity | $18,144,000 | 3,224 |
| Average total loans | $102,884,333 | 3,148 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3912% | 2,112 |
| Cost of funding earning assets | 0.2802% | 1,817 |
| Net interest margin | 3.1109% | 2,136 |
| Noninterest income to average assets | 12.1331% | 51 |
| Noninterest expense to average assets | 14.3129% | 49 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5679% | 3,499 |
| Return on assets (ROA) | 0.5679% | 3,476 |
| Pretax return on assets | 0.6028% | 3,627 |
| Return on Equity (ROE) | 3.7058% | 3,949 |
| Retained earnings to average equity (ytd only) | -145.3548% | 4,792 |
| Net charge-offs to loans | 0.0903% | 562 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 8.2609% | 1,518 |
| Efficiency ratio | 95.9583% | 330 |
| Assets per employee ($millions) | 0.9866% | 4,760 |
| Cash dividends to net income (ytd only)* | 4,022.3464% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9754% | 3,812 |
| Loan loss allowance to noncurrent loans | 104.1943% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 0.7527% | 744 |
| Noncurrent loans to loans | 0.9361% | 975 |
| Net loans and leases to total assets | 79.6236% | 254 |
| Net loans and leases to deposits | 96.8296% | 261 |
| Net loans and leases to core deposits | 111.2958% | 232 |
| Total domestic deposits to total assets | 82.2307% | 4,049 |
| Equity capital to assets | 13.1350% | 664 |
| Core capital (leverage) ratio | 12.6937% | 845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1870% | 541 |
| Memoranda: | ||
| Average total assets | $126,068,000 | 3,755 |
| Average earning assets | $112,764,000 | 3,795 |
| Average equity | $19,321,000 | 3,208 |
| Average total loans | $101,836,000 | 3,159 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2478% | 3,349 |
| Cost of funding earning assets | 0.3522% | 1,919 |
| Net interest margin | 2.8956% | 3,451 |
| Noninterest income to average assets | 15.9193% | 43 |
| Noninterest expense to average assets | 13.5006% | 51 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 4.6867% | 48 |
| Return on assets (ROA) | 4.6867% | 49 |
| Pretax return on assets | 5.0094% | 55 |
| Return on Equity (ROE) | 33.6026% | 50 |
| Retained earnings to average equity (ytd only) | -11.5804% | 4,780 |
| Net charge-offs to loans | 0.0182% | 1,919 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 331.2083% | 376 |
| Efficiency ratio | 72.9368% | 1,414 |
| Assets per employee ($millions) | 1.1166% | 4,801 |
| Cash dividends to net income (ytd only)* | 134.4628% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9056% | 4,052 |
| Loan loss allowance to noncurrent loans | 95.8416% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 0.7665% | 795 |
| Noncurrent loans to loans | 0.9449% | 1,072 |
| Net loans and leases to total assets | 80.3869% | 251 |
| Net loans and leases to deposits | 108.6726% | 87 |
| Net loans and leases to core deposits | 126.2844% | 121 |
| Total domestic deposits to total assets | 73.9716% | 4,585 |
| Equity capital to assets | 17.2756% | 285 |
| Core capital (leverage) ratio | 16.6918% | 309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.3402% | 272 |
| Memoranda: | ||
| Average total assets | $158,681,600 | 3,405 |
| Average earning assets | $141,974,800 | 3,456 |
| Average equity | $22,132,200 | 3,052 |
| Average total loans | $131,803,800 | 2,835 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2017% | 3,603 |
| Cost of funding earning assets | 0.3679% | 1,958 |
| Net interest margin | 2.8339% | 3,699 |
| Noninterest income to average assets | 16.9142% | 42 |
| Noninterest expense to average assets | 13.2225% | 53 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 5.8245% | 42 |
| Return on assets (ROA) | 5.8245% | 41 |
| Pretax return on assets | 6.2251% | 48 |
| Return on Equity (ROE) | 43.8437% | 26 |
| Retained earnings to average equity (ytd only) | -16.8312% | 4,873 |
| Net charge-offs to loans | 0.0464% | 1,198 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 160.8958% | 645 |
| Efficiency ratio | 67.9902% | 1,839 |
| Assets per employee ($millions) | 1.2805% | 4,869 |
| Cash dividends to net income (ytd only)* | 138.3892% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7987% | 4,351 |
| Loan loss allowance to noncurrent loans | 102.2752% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 0.6323% | 1,201 |
| Noncurrent loans to loans | 0.7810% | 1,449 |
| Net loans and leases to total assets | 80.3137% | 271 |
| Net loans and leases to deposits | 114.1464% | 69 |
| Net loans and leases to core deposits | 131.6808% | 109 |
| Total domestic deposits to total assets | 70.3603% | 4,724 |
| Equity capital to assets | 15.4487% | 475 |
| Core capital (leverage) ratio | 15.3173% | 450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6221% | 352 |
| Memoranda: | ||
| Average total assets | $165,411,000 | 3,376 |
| Average earning assets | $147,874,500 | 3,436 |
| Average equity | $21,974,500 | 3,092 |
| Average total loans | $138,032,500 | 2,786 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1291% | 3,804 |
| Cost of funding earning assets | 0.3970% | 1,903 |
| Net interest margin | 2.7321% | 3,917 |
| Noninterest income to average assets | 17.3601% | 44 |
| Noninterest expense to average assets | 12.8374% | 52 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 6.5101% | 35 |
| Return on assets (ROA) | 6.5101% | 34 |
| Pretax return on assets | 6.9650% | 45 |
| Return on Equity (ROE) | 51.3727% | 22 |
| Retained earnings to average equity (ytd only) | -40.4462% | 4,932 |
| Net charge-offs to loans | 0.0705% | 928 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 117.3725% | 677 |
| Efficiency ratio | 64.8275% | 2,322 |
| Assets per employee ($millions) | 1.3884% | 4,902 |
| Cash dividends to net income (ytd only)* | 178.7310% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6923% | 4,544 |
| Loan loss allowance to noncurrent loans | 114.0436% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 0.6153% | 1,354 |
| Noncurrent loans to loans | 0.6071% | 1,890 |
| Net loans and leases to total assets | 83.8999% | 137 |
| Net loans and leases to deposits | 114.5282% | 77 |
| Net loans and leases to core deposits | 130.0229% | 127 |
| Total domestic deposits to total assets | 73.2570% | 4,680 |
| Equity capital to assets | 12.9900% | 948 |
| Core capital (leverage) ratio | 12.8116% | 843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4460% | 576 |
| Memoranda: | ||
| Average total assets | $171,888,000 | 3,317 |
| Average earning assets | $153,652,000 | 3,378 |
| Average equity | $21,782,000 | 3,107 |
| Average total loans | $144,648,000 | 2,736 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9333% | 4,207 |
| Cost of funding earning assets | 0.4259% | 1,897 |
| Net interest margin | 2.5074% | 4,288 |
| Noninterest income to average assets | 18.8376% | 43 |
| Noninterest expense to average assets | 11.9749% | 58 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 8.5119% | 30 |
| Return on assets (ROA) | 8.5119% | 29 |
| Pretax return on assets | 9.1075% | 34 |
| Return on Equity (ROE) | 67.9437% | 13 |
| Retained earnings to average equity (ytd only) | -112.1351% | 4,973 |
| Net charge-offs to loans | 0.0833% | 777 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 130.2258% | 526 |
| Efficiency ratio | 56.8004% | 3,454 |
| Assets per employee ($millions) | 1.5372% | 4,925 |
| Cash dividends to net income (ytd only)* | 265.0411% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6349% | 4,646 |
| Loan loss allowance to noncurrent loans | 107.1349% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 0.5956% | 1,604 |
| Noncurrent loans to loans | 0.5926% | 2,086 |
| Net loans and leases to total assets | 84.3475% | 136 |
| Net loans and leases to deposits | 126.4429% | 47 |
| Net loans and leases to core deposits | 143.3733% | 85 |
| Total domestic deposits to total assets | 66.7080% | 4,825 |
| Equity capital to assets | 10.7111% | 2,073 |
| Core capital (leverage) ratio | 11.9719% | 1,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3020% | 1,025 |
| Memoranda: | ||
| Average total assets | $177,304,500 | 3,265 |
| Average earning assets | $158,731,000 | 3,318 |
| Average equity | $22,212,500 | 3,063 |
| Average total loans | $148,938,500 | 2,700 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7776% | 3,367 |
| Cost of funding earning assets | 0.9728% | 662 |
| Net interest margin | 2.8048% | 4,260 |
| Noninterest income to average assets | 18.5289% | 44 |
| Noninterest expense to average assets | 12.4796% | 61 |
| Loan and lease loss provision to assets | 0.2675% | 1,441 |
| Net operating income to assets | 7.7230% | 28 |
| Return on assets (ROA) | 7.7230% | 28 |
| Pretax return on assets | 8.2643% | 31 |
| Return on Equity (ROE) | 64.1810% | 12 |
| Retained earnings to average equity (ytd only) | 56.7716% | 5 |
| Net charge-offs to loans | -0.0789% | 4,757 |
| Credit loss provision to net charge-offs | -407.7670% | 3,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3944% | 3,537 |
| Assets per employee ($millions) | 1.5883% | 4,947 |
| Cash dividends to net income (ytd only)* | 11.5445% | 3,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6771% | 4,622 |
| Loan loss allowance to noncurrent loans | 95.8454% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 0.6807% | 1,531 |
| Noncurrent loans to loans | 0.7064% | 1,930 |
| Net loans and leases to total assets | 82.5439% | 257 |
| Net loans and leases to deposits | 133.4091% | 38 |
| Net loans and leases to core deposits | 153.3397% | 79 |
| Total domestic deposits to total assets | 61.8727% | 4,900 |
| Equity capital to assets | 14.3279% | 724 |
| Core capital (leverage) ratio | 15.7292% | 417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0920% | 431 |
| Memoranda: | ||
| Average total assets | $157,024,600 | 3,316 |
| Average earning assets | $138,977,800 | 3,392 |
| Average equity | $18,895,000 | 3,287 |
| Average total loans | $130,582,600 | 2,860 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8457% | 3,422 |
| Cost of funding earning assets | 1.0933% | 551 |
| Net interest margin | 2.7525% | 4,396 |
| Noninterest income to average assets | 19.0465% | 43 |
| Noninterest expense to average assets | 11.7434% | 63 |
| Loan and lease loss provision to assets | 0.3416% | 1,121 |
| Net operating income to assets | 8.7782% | 23 |
| Return on assets (ROA) | 8.7782% | 24 |
| Pretax return on assets | 9.3941% | 27 |
| Return on Equity (ROE) | 77.2145% | 9 |
| Retained earnings to average equity (ytd only) | 66.4271% | 7 |
| Net charge-offs to loans | 0.0053% | 2,951 |
| Credit loss provision to net charge-offs | 7,800.0000% | 153 |
| Earnings coverage of net charge-offs (x) | 2,222.8000% | 45 |
| Efficiency ratio | 54.6737% | 4,080 |
| Assets per employee ($millions) | 1.6379% | 4,978 |
| Cash dividends to net income (ytd only)* | 13.9707% | 3,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5895% | 4,743 |
| Loan loss allowance to noncurrent loans | 102.0311% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 0.5744% | 2,006 |
| Noncurrent loans to loans | 0.5778% | 2,356 |
| Net loans and leases to total assets | 81.4097% | 492 |
| Net loans and leases to deposits | 134.7380% | 41 |
| Net loans and leases to core deposits | 154.9439% | 97 |
| Total domestic deposits to total assets | 60.4207% | 4,927 |
| Equity capital to assets | 13.0898% | 1,142 |
| Core capital (leverage) ratio | 14.7080% | 586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3119% | 494 |
| Memoranda: | ||
| Average total assets | $152,206,000 | 3,361 |
| Average earning assets | $134,518,500 | 3,440 |
| Average equity | $17,303,750 | 3,438 |
| Average total loans | $126,599,250 | 2,912 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1020% | 3,053 |
| Cost of funding earning assets | 1.2190% | 473 |
| Net interest margin | 2.8830% | 4,336 |
| Noninterest income to average assets | 15.3191% | 46 |
| Noninterest expense to average assets | 11.0809% | 66 |
| Loan and lease loss provision to assets | 0.5001% | 719 |
| Net operating income to assets | 5.8759% | 29 |
| Return on assets (ROA) | 5.8759% | 29 |
| Pretax return on assets | 6.2941% | 31 |
| Return on Equity (ROE) | 55.1020% | 10 |
| Retained earnings to average equity (ytd only) | 36.8650% | 20 |
| Net charge-offs to loans | -0.0166% | 4,353 |
| Credit loss provision to net charge-offs | -3,600.0000% | 4,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9910% | 3,127 |
| Assets per employee ($millions) | 1.5368% | 5,014 |
| Cash dividends to net income (ytd only)* | 33.0969% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6499% | 4,668 |
| Loan loss allowance to noncurrent loans | 124.4807% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 0.5550% | 2,148 |
| Noncurrent loans to loans | 0.5221% | 2,596 |
| Net loans and leases to total assets | 83.4497% | 297 |
| Net loans and leases to deposits | 124.0934% | 72 |
| Net loans and leases to core deposits | 144.3178% | 137 |
| Total domestic deposits to total assets | 67.2475% | 4,857 |
| Equity capital to assets | 11.2986% | 2,124 |
| Core capital (leverage) ratio | 11.9498% | 1,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4721% | 985 |
| Memoranda: | ||
| Average total assets | $143,977,000 | 3,440 |
| Average earning assets | $127,645,667 | 3,503 |
| Average equity | $15,353,333 | 3,619 |
| Average total loans | $120,511,667 | 2,977 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2191% | 3,155 |
| Cost of funding earning assets | 1.3773% | 438 |
| Net interest margin | 2.8418% | 4,514 |
| Noninterest income to average assets | 10.9830% | 53 |
| Noninterest expense to average assets | 9.9738% | 77 |
| Loan and lease loss provision to assets | 0.3738% | 829 |
| Net operating income to assets | 2.9585% | 68 |
| Return on assets (ROA) | 2.9585% | 70 |
| Pretax return on assets | 3.1626% | 75 |
| Return on Equity (ROE) | 28.6869% | 38 |
| Retained earnings to average equity (ytd only) | -10.3429% | 4,776 |
| Net charge-offs to loans | -0.0103% | 4,089 |
| Credit loss provision to net charge-offs | -4,333.3333% | 3,845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8242% | 1,843 |
| Assets per employee ($millions) | 1.4305% | 5,058 |
| Cash dividends to net income (ytd only)* | 136.0544% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4914% | 4,882 |
| Loan loss allowance to noncurrent loans | 83.9609% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 0.6141% | 2,168 |
| Noncurrent loans to loans | 0.5852% | 2,542 |
| Net loans and leases to total assets | 83.5524% | 293 |
| Net loans and leases to deposits | 121.2775% | 71 |
| Net loans and leases to core deposits | 141.1422% | 160 |
| Total domestic deposits to total assets | 68.8936% | 4,896 |
| Equity capital to assets | 9.7065% | 4,035 |
| Core capital (leverage) ratio | 10.9235% | 2,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7561% | 1,409 |
| Memoranda: | ||
| Average total assets | $139,124,000 | 3,464 |
| Average earning assets | $123,723,000 | 3,524 |
| Average equity | $14,348,000 | 3,730 |
| Average total loans | $116,224,000 | 2,997 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5642% | 2,733 |
| Cost of funding earning assets | 1.5698% | 329 |
| Net interest margin | 2.9945% | 4,519 |
| Noninterest income to average assets | 9.0994% | 63 |
| Noninterest expense to average assets | 10.1713% | 69 |
| Loan and lease loss provision to assets | 0.0137% | 3,738 |
| Net operating income to assets | 1.4742% | 1,116 |
| Return on assets (ROA) | 1.4742% | 1,175 |
| Pretax return on assets | 1.5780% | 1,553 |
| Return on Equity (ROE) | 14.0543% | 886 |
| Retained earnings to average equity (ytd only) | 11.3468% | 290 |
| Net charge-offs to loans | 0.0379% | 2,629 |
| Credit loss provision to net charge-offs | 43.9024% | 3,173 |
| Earnings coverage of net charge-offs (x) | 50.8537% | 1,117 |
| Efficiency ratio | 86.4681% | 518 |
| Assets per employee ($millions) | 1.2974% | 5,123 |
| Cash dividends to net income (ytd only)* | 19.2646% | 3,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4266% | 4,965 |
| Loan loss allowance to noncurrent loans | 60.2828% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 0.7549% | 1,717 |
| Noncurrent loans to loans | 0.7077% | 2,104 |
| Net loans and leases to total assets | 82.7167% | 463 |
| Net loans and leases to deposits | 120.1093% | 81 |
| Net loans and leases to core deposits | 142.7692% | 159 |
| Total domestic deposits to total assets | 68.8679% | 4,972 |
| Equity capital to assets | 10.9388% | 3,061 |
| Core capital (leverage) ratio | 11.1360% | 2,386 |
| Tier 1 risk-based capital ratio | 17.3530% | 1,937 |
| Total risk-based capital ratio | 17.7008% | 2,176 |
| Memoranda: | ||
| Average total assets | $130,986,600 | 3,554 |
| Average earning assets | $116,515,200 | 3,613 |
| Average equity | $13,739,600 | 3,782 |
| Average total loans | $108,133,200 | 3,115 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5917% | 2,752 |
| Cost of funding earning assets | 1.5459% | 350 |
| Net interest margin | 3.0458% | 4,568 |
| Noninterest income to average assets | 9.5429% | 62 |
| Noninterest expense to average assets | 10.1276% | 69 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.9788% | 412 |
| Return on assets (ROA) | 1.9788% | 433 |
| Pretax return on assets | 2.1196% | 527 |
| Return on Equity (ROE) | 19.0717% | 308 |
| Retained earnings to average equity (ytd only) | 15.4128% | 126 |
| Net charge-offs to loans | 0.0619% | 1,937 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 41.5368% | 1,339 |
| Efficiency ratio | 82.6931% | 704 |
| Assets per employee ($millions) | 1.3833% | 5,197 |
| Cash dividends to net income (ytd only)* | 19.1852% | 3,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3882% | 5,069 |
| Loan loss allowance to noncurrent loans | 48.7885% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 0.9589% | 1,407 |
| Noncurrent loans to loans | 0.7957% | 1,987 |
| Net loans and leases to total assets | 80.5626% | 769 |
| Net loans and leases to deposits | 118.7955% | 102 |
| Net loans and leases to core deposits | 137.3825% | 210 |
| Total domestic deposits to total assets | 67.8162% | 5,064 |
| Equity capital to assets | 10.2644% | 3,759 |
| Core capital (leverage) ratio | 11.2545% | 2,422 |
| Tier 1 risk-based capital ratio | 15.8419% | 2,498 |
| Total risk-based capital ratio | 16.1308% | 2,835 |
| Memoranda: | ||
| Average total assets | $130,649,250 | 3,593 |
| Average earning assets | $116,002,750 | 3,653 |
| Average equity | $13,555,500 | 3,850 |
| Average total loans | $107,683,250 | 3,156 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6513% | 2,518 |
| Cost of funding earning assets | 1.4883% | 392 |
| Net interest margin | 3.1630% | 4,431 |
| Noninterest income to average assets | 8.7366% | 62 |
| Noninterest expense to average assets | 9.8344% | 72 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5916% | 927 |
| Return on assets (ROA) | 1.5916% | 971 |
| Pretax return on assets | 1.7064% | 1,258 |
| Return on Equity (ROE) | 15.2797% | 710 |
| Retained earnings to average equity (ytd only) | 9.6631% | 859 |
| Net charge-offs to loans | 0.1023% | 1,360 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 20.0926% | 1,788 |
| Efficiency ratio | 85.2140% | 584 |
| Assets per employee ($millions) | 1.3252% | 5,245 |
| Cash dividends to net income (ytd only)* | 36.7589% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3940% | 5,112 |
| Loan loss allowance to noncurrent loans | 35.9016% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 1.3949% | 862 |
| Noncurrent loans to loans | 1.0974% | 1,496 |
| Net loans and leases to total assets | 82.7325% | 511 |
| Net loans and leases to deposits | 114.1775% | 142 |
| Net loans and leases to core deposits | 129.8000% | 331 |
| Total domestic deposits to total assets | 72.4596% | 4,945 |
| Equity capital to assets | 10.1295% | 3,855 |
| Core capital (leverage) ratio | 10.3205% | 3,265 |
| Tier 1 risk-based capital ratio | 16.4804% | 2,244 |
| Total risk-based capital ratio | 16.7783% | 2,545 |
| Memoranda: | ||
| Average total assets | $127,166,000 | 3,661 |
| Average earning assets | $112,742,670 | 3,726 |
| Average equity | $13,246,330 | 3,894 |
| Average total loans | $105,539,000 | 3,203 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4892% | 2,911 |
| Cost of funding earning assets | 1.2873% | 686 |
| Net interest margin | 3.2019% | 4,381 |
| Noninterest income to average assets | 7.4427% | 67 |
| Noninterest expense to average assets | 9.0838% | 73 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1177% | 2,400 |
| Return on assets (ROA) | 1.1177% | 2,451 |
| Pretax return on assets | 1.1952% | 2,826 |
| Return on Equity (ROE) | 10.5726% | 2,130 |
| Retained earnings to average equity (ytd only) | 10.5726% | 911 |
| Net charge-offs to loans | 0.1908% | 729 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 7.5510% | 2,126 |
| Efficiency ratio | 88.3721% | 464 |
| Assets per employee ($millions) | 1.2568% | 5,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4367% | 5,142 |
| Loan loss allowance to noncurrent loans | 29.0111% | 4,633 |
| Noncurrent assets plus other real estate owned to assets | 2.2019% | 398 |
| Noncurrent loans to loans | 1.5051% | 1,068 |
| Net loans and leases to total assets | 82.0121% | 586 |
| Net loans and leases to deposits | 108.6923% | 254 |
| Net loans and leases to core deposits | 123.9201% | 426 |
| Total domestic deposits to total assets | 75.4535% | 4,819 |
| Equity capital to assets | 10.7692% | 3,076 |
| Core capital (leverage) ratio | 11.4505% | 2,168 |
| Tier 1 risk-based capital ratio | 16.8516% | 2,156 |
| Total risk-based capital ratio | 17.1541% | 2,415 |
| Memoranda: | ||
| Average total assets | $123,825,500 | 3,736 |
| Average earning assets | $109,685,500 | 3,819 |
| Average equity | $13,090,500 | 3,930 |
| Average total loans | $102,722,000 | 3,275 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4545% | 2,594 |
| Cost of funding earning assets | 1.1462% | 423 |
| Net interest margin | 3.3083% | 4,234 |
| Noninterest income to average assets | 7.5274% | 68 |
| Noninterest expense to average assets | 10.1159% | 62 |
| Loan and lease loss provision to assets | 0.0591% | 2,982 |
| Net operating income to assets | 0.2514% | 5,061 |
| Return on assets (ROA) | 0.2514% | 5,056 |
| Pretax return on assets | 0.2688% | 5,069 |
| Return on Equity (ROE) | 2.3177% | 5,003 |
| Retained earnings to average equity (ytd only) | 0.8365% | 4,765 |
| Net charge-offs to loans | -0.0142% | 4,595 |
| Credit loss provision to net charge-offs | -507.1429% | 4,637 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8601% | 196 |
| Assets per employee ($millions) | 1.2967% | 5,353 |
| Cash dividends to net income (ytd only)* | 63.9073% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4731% | 5,149 |
| Loan loss allowance to noncurrent loans | 27.8123% | 4,666 |
| Noncurrent assets plus other real estate owned to assets | 2.0051% | 478 |
| Noncurrent loans to loans | 1.7011% | 848 |
| Net loans and leases to total assets | 83.1409% | 502 |
| Net loans and leases to deposits | 109.1199% | 272 |
| Net loans and leases to core deposits | 124.1489% | 437 |
| Total domestic deposits to total assets | 76.1923% | 4,731 |
| Equity capital to assets | 10.3498% | 3,327 |
| Core capital (leverage) ratio | 10.8862% | 2,642 |
| Tier 1 risk-based capital ratio | 16.1626% | 2,354 |
| Total risk-based capital ratio | 16.5228% | 2,642 |
| Memoranda: | ||
| Average total assets | $120,147,000 | 3,782 |
| Average earning assets | $105,914,400 | 3,878 |
| Average equity | $13,030,400 | 3,875 |
| Average total loans | $98,510,600 | 3,333 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4161% | 2,574 |
| Cost of funding earning assets | 1.1078% | 384 |
| Net interest margin | 3.3082% | 4,255 |
| Noninterest income to average assets | 8.2968% | 64 |
| Noninterest expense to average assets | 10.3573% | 61 |
| Loan and lease loss provision to assets | 0.0795% | 2,364 |
| Net operating income to assets | 0.7201% | 4,164 |
| Return on assets (ROA) | 0.7201% | 4,177 |
| Pretax return on assets | 0.7693% | 4,374 |
| Return on Equity (ROE) | 6.5609% | 4,086 |
| Retained earnings to average equity (ytd only) | 4.5916% | 3,451 |
| Net charge-offs to loans | -0.0110% | 4,427 |
| Credit loss provision to net charge-offs | -887.5000% | 4,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4253% | 274 |
| Assets per employee ($millions) | 1.2122% | 5,425 |
| Cash dividends to net income (ytd only)* | 30.0160% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4986% | 5,192 |
| Loan loss allowance to noncurrent loans | 29.8893% | 4,746 |
| Noncurrent assets plus other real estate owned to assets | 1.9605% | 548 |
| Noncurrent loans to loans | 1.6680% | 932 |
| Net loans and leases to total assets | 81.6472% | 774 |
| Net loans and leases to deposits | 109.5591% | 303 |
| Net loans and leases to core deposits | 127.1245% | 393 |
| Total domestic deposits to total assets | 74.5234% | 4,934 |
| Equity capital to assets | 11.1331% | 2,531 |
| Core capital (leverage) ratio | 10.9338% | 2,641 |
| Tier 1 risk-based capital ratio | 17.5095% | 1,927 |
| Total risk-based capital ratio | 17.8816% | 2,176 |
| Memoranda: | ||
| Average total assets | $119,062,500 | 3,842 |
| Average earning assets | $104,706,000 | 3,943 |
| Average equity | $13,067,000 | 3,907 |
| Average total loans | $97,140,750 | 3,385 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2192% | 3,055 |
| Cost of funding earning assets | 1.0170% | 432 |
| Net interest margin | 3.2022% | 4,500 |
| Noninterest income to average assets | 8.6177% | 63 |
| Noninterest expense to average assets | 10.2090% | 63 |
| Loan and lease loss provision to assets | 0.0923% | 2,074 |
| Net operating income to assets | 1.0558% | 2,779 |
| Return on assets (ROA) | 1.0558% | 2,772 |
| Pretax return on assets | 1.1280% | 3,199 |
| Return on Equity (ROE) | 9.6665% | 2,730 |
| Retained earnings to average equity (ytd only) | 6.7005% | 2,208 |
| Net charge-offs to loans | -0.0062% | 4,160 |
| Credit loss provision to net charge-offs | -1,833.3333% | 4,622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3230% | 397 |
| Assets per employee ($millions) | 1.3975% | 5,482 |
| Cash dividends to net income (ytd only)* | 30.6836% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4313% | 5,331 |
| Loan loss allowance to noncurrent loans | 29.6626% | 4,764 |
| Noncurrent assets plus other real estate owned to assets | 1.6997% | 722 |
| Noncurrent loans to loans | 1.4542% | 1,161 |
| Net loans and leases to total assets | 82.7689% | 614 |
| Net loans and leases to deposits | 121.4632% | 93 |
| Net loans and leases to core deposits | 139.1938% | 203 |
| Total domestic deposits to total assets | 68.1432% | 5,333 |
| Equity capital to assets | 10.1652% | 3,469 |
| Core capital (leverage) ratio | 11.1456% | 2,395 |
| Tier 1 risk-based capital ratio | 16.4372% | 2,274 |
| Total risk-based capital ratio | 16.7621% | 2,576 |
| Memoranda: | ||
| Average total assets | $119,150,330 | 3,875 |
| Average earning assets | $104,616,670 | 3,975 |
| Average equity | $13,014,000 | 3,931 |
| Average total loans | $97,027,000 | 3,392 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1315% | 3,124 |
| Cost of funding earning assets | 0.9584% | 451 |
| Net interest margin | 3.1731% | 4,547 |
| Noninterest income to average assets | 8.6158% | 62 |
| Noninterest expense to average assets | 10.2933% | 66 |
| Loan and lease loss provision to assets | 0.0387% | 2,977 |
| Net operating income to assets | 0.9882% | 2,899 |
| Return on assets (ROA) | 0.9882% | 2,929 |
| Pretax return on assets | 1.0550% | 3,336 |
| Return on Equity (ROE) | 8.7027% | 3,059 |
| Retained earnings to average equity (ytd only) | 8.7027% | 1,573 |
| Net charge-offs to loans | 0.0087% | 2,421 |
| Credit loss provision to net charge-offs | 550.0000% | 551 |
| Earnings coverage of net charge-offs (x) | 155.5000% | 422 |
| Efficiency ratio | 90.3953% | 424 |
| Assets per employee ($millions) | 1.1117% | 5,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4595% | 5,381 |
| Loan loss allowance to noncurrent loans | 21.1490% | 4,912 |
| Noncurrent assets plus other real estate owned to assets | 2.3200% | 431 |
| Noncurrent loans to loans | 2.1729% | 700 |
| Net loans and leases to total assets | 80.2511% | 903 |
| Net loans and leases to deposits | 106.3383% | 367 |
| Net loans and leases to core deposits | 121.7604% | 531 |
| Total domestic deposits to total assets | 75.4678% | 5,021 |
| Equity capital to assets | 11.6276% | 2,041 |
| Core capital (leverage) ratio | 11.9889% | 1,660 |
| Tier 1 risk-based capital ratio | 17.7377% | 1,912 |
| Total risk-based capital ratio | 18.0245% | 2,136 |
| Memoranda: | ||
| Average total assets | $113,744,000 | 4,000 |
| Average earning assets | $99,333,500 | 4,109 |
| Average equity | $12,915,500 | 3,981 |
| Average total loans | $91,523,000 | 3,516 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0129% | 3,360 |
| Cost of funding earning assets | 0.9647% | 263 |
| Net interest margin | 3.0482% | 4,794 |
| Noninterest income to average assets | 8.6864% | 69 |
| Noninterest expense to average assets | 11.4598% | 57 |
| Loan and lease loss provision to assets | 0.0431% | 3,381 |
| Net operating income to assets | -0.1744% | 5,445 |
| Return on assets (ROA) | -0.1744% | 5,445 |
| Pretax return on assets | -0.1863% | 5,496 |
| Return on Equity (ROE) | -1.4457% | 5,440 |
| Retained earnings to average equity (ytd only) | -1.4457% | 5,223 |
| Net charge-offs to loans | 0.0344% | 3,102 |
| Credit loss provision to net charge-offs | 162.0690% | 1,654 |
| Earnings coverage of net charge-offs (x) | -5.3793% | 4,074 |
| Efficiency ratio | 101.2651% | 155 |
| Assets per employee ($millions) | 1.1637% | 5,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4399% | 5,459 |
| Loan loss allowance to noncurrent loans | 23.9976% | 4,935 |
| Noncurrent assets plus other real estate owned to assets | 2.1675% | 492 |
| Noncurrent loans to loans | 1.8331% | 868 |
| Net loans and leases to total assets | 79.9571% | 960 |
| Net loans and leases to deposits | 111.4387% | 234 |
| Net loans and leases to core deposits | 128.6890% | 371 |
| Total domestic deposits to total assets | 71.7499% | 5,336 |
| Equity capital to assets | 11.0969% | 2,542 |
| Core capital (leverage) ratio | 11.3723% | 2,041 |
| Tier 1 risk-based capital ratio | 17.1646% | 2,035 |
| Total risk-based capital ratio | 17.2398% | 2,375 |
| Memoranda: | ||
| Average total assets | $108,963,600 | 4,082 |
| Average earning assets | $94,021,400 | 4,198 |
| Average equity | $13,142,200 | 3,965 |
| Average total loans | $84,354,200 | 3,649 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9638% | 3,478 |
| Cost of funding earning assets | 0.9585% | 240 |
| Net interest margin | 3.0054% | 4,905 |
| Noninterest income to average assets | 9.6444% | 63 |
| Noninterest expense to average assets | 11.6616% | 57 |
| Loan and lease loss provision to assets | 0.0335% | 3,451 |
| Net operating income to assets | 0.4990% | 4,732 |
| Return on assets (ROA) | 0.4990% | 4,770 |
| Pretax return on assets | 0.5338% | 4,965 |
| Return on Equity (ROE) | 4.0508% | 4,841 |
| Retained earnings to average equity (ytd only) | 4.0508% | 3,509 |
| Net charge-offs to loans | 0.0907% | 1,887 |
| Credit loss provision to net charge-offs | 48.2143% | 2,929 |
| Earnings coverage of net charge-offs (x) | 8.1613% | 2,812 |
| Efficiency ratio | 95.3609% | 260 |
| Assets per employee ($millions) | 1.0588% | 5,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4131% | 5,551 |
| Loan loss allowance to noncurrent loans | 26.5096% | 4,990 |
| Noncurrent assets plus other real estate owned to assets | 2.2442% | 531 |
| Noncurrent loans to loans | 1.5584% | 1,196 |
| Net loans and leases to total assets | 78.0589% | 1,258 |
| Net loans and leases to deposits | 100.1096% | 734 |
| Net loans and leases to core deposits | 120.0703% | 584 |
| Total domestic deposits to total assets | 77.9735% | 4,731 |
| Equity capital to assets | 12.0315% | 1,948 |
| Core capital (leverage) ratio | 12.1483% | 1,602 |
| Tier 1 risk-based capital ratio | 18.4996% | 1,730 |
| Total risk-based capital ratio | 18.5037% | 2,032 |
| Memoranda: | ||
| Average total assets | $107,403,750 | 4,151 |
| Average earning assets | $92,366,000 | 4,270 |
| Average equity | $13,231,750 | 3,993 |
| Average total loans | $82,312,750 | 3,721 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8484% | 3,725 |
| Cost of funding earning assets | 0.9396% | 241 |
| Net interest margin | 2.9088% | 5,080 |
| Noninterest income to average assets | 10.0088% | 59 |
| Noninterest expense to average assets | 11.3729% | 57 |
| Loan and lease loss provision to assets | 0.0452% | 3,086 |
| Net operating income to assets | 1.0175% | 2,345 |
| Return on assets (ROA) | 1.0175% | 2,386 |
| Pretax return on assets | 1.0872% | 3,227 |
| Return on Equity (ROE) | 8.1920% | 2,922 |
| Retained earnings to average equity (ytd only) | 8.1920% | 1,089 |
| Net charge-offs to loans | -0.0520% | 5,190 |
| Credit loss provision to net charge-offs | -114.2857% | 4,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9447% | 405 |
| Assets per employee ($millions) | 1.0902% | 5,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5136% | 5,502 |
| Loan loss allowance to noncurrent loans | 30.1038% | 4,968 |
| Noncurrent assets plus other real estate owned to assets | 2.0906% | 593 |
| Noncurrent loans to loans | 1.7061% | 1,068 |
| Net loans and leases to total assets | 76.5198% | 1,465 |
| Net loans and leases to deposits | 94.0244% | 1,257 |
| Net loans and leases to core deposits | 111.5732% | 926 |
| Total domestic deposits to total assets | 81.3829% | 4,080 |
| Equity capital to assets | 12.2727% | 1,747 |
| Core capital (leverage) ratio | 12.9143% | 1,207 |
| Tier 1 risk-based capital ratio | 18.9957% | 1,595 |
| Total risk-based capital ratio | 19.1053% | 1,853 |
| Memoranda: | ||
| Average total assets | $106,146,670 | 4,205 |
| Average earning assets | $91,101,670 | 4,326 |
| Average equity | $13,183,670 | 4,010 |
| Average total loans | $80,703,000 | 3,777 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8105% | 3,731 |
| Cost of funding earning assets | 0.9638% | 196 |
| Net interest margin | 2.8467% | 5,174 |
| Noninterest income to average assets | 9.0781% | 62 |
| Noninterest expense to average assets | 11.0788% | 62 |
| Loan and lease loss provision to assets | 0.0730% | 2,346 |
| Net operating income to assets | 0.3418% | 5,096 |
| Return on assets (ROA) | 0.3418% | 5,114 |
| Pretax return on assets | 0.3648% | 5,215 |
| Return on Equity (ROE) | 2.7346% | 5,169 |
| Retained earnings to average equity (ytd only) | 2.7346% | 4,041 |
| Net charge-offs to loans | -0.0457% | 5,143 |
| Credit loss provision to net charge-offs | -211.1111% | 4,053 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1987% | 313 |
| Assets per employee ($millions) | 0.9375% | 5,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5491% | 5,543 |
| Loan loss allowance to noncurrent loans | 26.3091% | 5,108 |
| Noncurrent assets plus other real estate owned to assets | 2.6464% | 412 |
| Noncurrent loans to loans | 2.0871% | 839 |
| Net loans and leases to total assets | 73.2392% | 1,870 |
| Net loans and leases to deposits | 84.9120% | 2,169 |
| Net loans and leases to core deposits | 101.3663% | 1,415 |
| Total domestic deposits to total assets | 86.2530% | 2,553 |
| Equity capital to assets | 12.6676% | 1,428 |
| Core capital (leverage) ratio | 12.7886% | 1,219 |
| Tier 1 risk-based capital ratio | 18.9391% | 1,629 |
| Total risk-based capital ratio | 19.3119% | 1,815 |
| Memoranda: | ||
| Average total assets | $104,163,000 | 4,279 |
| Average earning assets | $89,227,000 | 4,415 |
| Average equity | $13,018,500 | 4,054 |
| Average total loans | $78,707,500 | 3,845 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6319% | 4,429 |
| Cost of funding earning assets | 0.9570% | 219 |
| Net interest margin | 2.6750% | 5,450 |
| Noninterest income to average assets | 8.6917% | 72 |
| Noninterest expense to average assets | 10.7602% | 68 |
| Loan and lease loss provision to assets | -0.0051% | 5,474 |
| Net operating income to assets | 0.2607% | 5,300 |
| Return on assets (ROA) | 0.2607% | 5,370 |
| Pretax return on assets | 0.2709% | 5,400 |
| Return on Equity (ROE) | 2.2504% | 5,344 |
| Retained earnings to average equity (ytd only) | -32.0658% | 5,884 |
| Net charge-offs to loans | 0.2180% | 1,270 |
| Credit loss provision to net charge-offs | -3.0769% | 4,728 |
| Earnings coverage of net charge-offs (x) | 1.5949% | 3,966 |
| Efficiency ratio | 97.5891% | 263 |
| Assets per employee ($millions) | 0.9835% | 5,866 |
| Cash dividends to net income (ytd only)* | 1,524.9180% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4775% | 5,676 |
| Loan loss allowance to noncurrent loans | 24.4500% | 5,176 |
| Noncurrent assets plus other real estate owned to assets | 2.7302% | 410 |
| Noncurrent loans to loans | 1.9528% | 937 |
| Net loans and leases to total assets | 77.0541% | 1,356 |
| Net loans and leases to deposits | 89.9923% | 1,684 |
| Net loans and leases to core deposits | 107.8259% | 1,031 |
| Total domestic deposits to total assets | 85.6229% | 2,767 |
| Equity capital to assets | 12.3776% | 1,591 |
| Core capital (leverage) ratio | 12.0141% | 1,589 |
| Tier 1 risk-based capital ratio | 18.3721% | 1,755 |
| Total risk-based capital ratio | 18.6952% | 1,984 |
| Memoranda: | ||
| Average total assets | $116,996,200 | 4,046 |
| Average earning assets | $102,094,200 | 4,166 |
| Average equity | $13,553,400 | 4,015 |
| Average total loans | $89,433,800 | 3,586 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5598% | 4,658 |
| Cost of funding earning assets | 0.9385% | 239 |
| Net interest margin | 2.6212% | 5,569 |
| Noninterest income to average assets | 9.1000% | 70 |
| Noninterest expense to average assets | 10.5007% | 66 |
| Loan and lease loss provision to assets | -0.0222% | 5,677 |
| Net operating income to assets | 0.8571% | 3,113 |
| Return on assets (ROA) | 0.8571% | 3,240 |
| Pretax return on assets | 0.9160% | 3,921 |
| Return on Equity (ROE) | 7.5114% | 3,288 |
| Retained earnings to average equity (ytd only) | -37.8006% | 5,956 |
| Net charge-offs to loans | 0.3004% | 765 |
| Credit loss provision to net charge-offs | -9.7087% | 4,614 |
| Earnings coverage of net charge-offs (x) | 3.9029% | 3,343 |
| Efficiency ratio | 92.1561% | 456 |
| Assets per employee ($millions) | 1.1773% | 5,928 |
| Cash dividends to net income (ytd only)* | 603.2452% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3824% | 5,808 |
| Loan loss allowance to noncurrent loans | 21.0892% | 5,309 |
| Noncurrent assets plus other real estate owned to assets | 2.1931% | 671 |
| Noncurrent loans to loans | 1.8134% | 1,139 |
| Net loans and leases to total assets | 76.7025% | 1,408 |
| Net loans and leases to deposits | 100.8230% | 651 |
| Net loans and leases to core deposits | 122.3783% | 444 |
| Total domestic deposits to total assets | 76.0763% | 5,230 |
| Equity capital to assets | 10.9146% | 3,109 |
| Core capital (leverage) ratio | 10.8950% | 2,571 |
| Tier 1 risk-based capital ratio | 17.4432% | 2,096 |
| Total risk-based capital ratio | 17.8596% | 2,325 |
| Memoranda: | ||
| Average total assets | $119,937,750 | 4,021 |
| Average earning assets | $104,985,750 | 4,121 |
| Average equity | $13,685,500 | 4,024 |
| Average total loans | $91,424,000 | 3,564 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4628% | 4,955 |
| Cost of funding earning assets | 0.9191% | 263 |
| Net interest margin | 2.5437% | 5,714 |
| Noninterest income to average assets | 8.8163% | 69 |
| Noninterest expense to average assets | 10.0933% | 68 |
| Loan and lease loss provision to assets | -0.0354% | 5,807 |
| Net operating income to assets | 0.9232% | 2,756 |
| Return on assets (ROA) | 0.9232% | 2,890 |
| Pretax return on assets | 0.9873% | 3,633 |
| Return on Equity (ROE) | 7.9709% | 2,993 |
| Retained earnings to average equity (ytd only) | -59.6800% | 6,044 |
| Net charge-offs to loans | 0.3615% | 645 |
| Credit loss provision to net charge-offs | -12.8834% | 4,465 |
| Earnings coverage of net charge-offs (x) | 3.4663% | 3,105 |
| Efficiency ratio | 91.3819% | 524 |
| Assets per employee ($millions) | 1.3001% | 6,000 |
| Cash dividends to net income (ytd only)* | 848.7226% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4018% | 5,879 |
| Loan loss allowance to noncurrent loans | 19.1871% | 5,418 |
| Noncurrent assets plus other real estate owned to assets | 2.2483% | 665 |
| Noncurrent loans to loans | 2.0941% | 935 |
| Net loans and leases to total assets | 77.4093% | 1,270 |
| Net loans and leases to deposits | 106.6520% | 342 |
| Net loans and leases to core deposits | 130.0649% | 307 |
| Total domestic deposits to total assets | 72.5811% | 5,632 |
| Equity capital to assets | 10.2054% | 3,968 |
| Core capital (leverage) ratio | 11.2671% | 2,175 |
| Tier 1 risk-based capital ratio | 16.2704% | 2,519 |
| Total risk-based capital ratio | 16.7170% | 2,806 |
| Memoranda: | ||
| Average total assets | $118,712,330 | 4,070 |
| Average earning assets | $104,019,670 | 4,174 |
| Average equity | $13,750,000 | 4,027 |
| Average total loans | $90,172,330 | 3,610 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5336% | 4,802 |
| Cost of funding earning assets | 0.9197% | 267 |
| Net interest margin | 2.6139% | 5,707 |
| Noninterest income to average assets | 8.7455% | 69 |
| Noninterest expense to average assets | 10.0545% | 70 |
| Loan and lease loss provision to assets | 0.4988% | 246 |
| Net operating income to assets | 0.4528% | 4,823 |
| Return on assets (ROA) | 0.4528% | 4,907 |
| Pretax return on assets | 0.4847% | 5,125 |
| Return on Equity (ROE) | 3.6595% | 5,011 |
| Retained earnings to average equity (ytd only) | -129.3117% | 6,112 |
| Net charge-offs to loans | 1.1046% | 164 |
| Credit loss provision to net charge-offs | 60.2564% | 1,980 |
| Earnings coverage of net charge-offs (x) | 1.1880% | 2,853 |
| Efficiency ratio | 91.0897% | 605 |
| Assets per employee ($millions) | 1.1638% | 6,068 |
| Cash dividends to net income (ytd only)* | 3,633.5938% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5765% | 5,778 |
| Loan loss allowance to noncurrent loans | 23.1486% | 5,408 |
| Noncurrent assets plus other real estate owned to assets | 2.7085% | 522 |
| Noncurrent loans to loans | 2.4903% | 759 |
| Net loans and leases to total assets | 73.6561% | 1,786 |
| Net loans and leases to deposits | 92.9938% | 1,228 |
| Net loans and leases to core deposits | 113.5669% | 687 |
| Total domestic deposits to total assets | 79.2053% | 4,920 |
| Equity capital to assets | 11.0409% | 2,897 |
| Core capital (leverage) ratio | 11.8382% | 1,721 |
| Tier 1 risk-based capital ratio | 17.0639% | 2,267 |
| Total risk-based capital ratio | 17.6685% | 2,464 |
| Memoranda: | ||
| Average total assets | $113,064,000 | 4,201 |
| Average earning assets | $99,162,500 | 4,318 |
| Average equity | $13,991,000 | 4,004 |
| Average total loans | $84,736,000 | 3,733 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5939% | 4,695 |
| Cost of funding earning assets | 0.8150% | 451 |
| Net interest margin | 2.7788% | 5,553 |
| Noninterest income to average assets | 7.9968% | 79 |
| Noninterest expense to average assets | 11.0441% | 67 |
| Loan and lease loss provision to assets | -0.1284% | 5,897 |
| Net operating income to assets | -0.4233% | 6,024 |
| Return on assets (ROA) | -0.4233% | 6,034 |
| Pretax return on assets | -0.4556% | 6,030 |
| Return on Equity (ROE) | -3.1389% | 6,013 |
| Retained earnings to average equity (ytd only) | -4.9982% | 5,915 |
| Net charge-offs to loans | 0.2255% | 1,315 |
| Credit loss provision to net charge-offs | -72.9469% | 5,098 |
| Earnings coverage of net charge-offs (x) | -3.3188% | 4,380 |
| Efficiency ratio | 105.5826% | 187 |
| Assets per employee ($millions) | 1.0978% | 6,130 |
| Cash dividends to net income (ytd only)* | -59.2369% | 6,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7086% | 5,621 |
| Loan loss allowance to noncurrent loans | 32.6147% | 5,275 |
| Noncurrent assets plus other real estate owned to assets | 2.6626% | 558 |
| Noncurrent loans to loans | 2.1728% | 928 |
| Net loans and leases to total assets | 75.3017% | 1,524 |
| Net loans and leases to deposits | 91.8777% | 1,419 |
| Net loans and leases to core deposits | 112.9392% | 726 |
| Total domestic deposits to total assets | 81.9586% | 4,178 |
| Equity capital to assets | 13.7966% | 1,010 |
| Core capital (leverage) ratio | 13.9859% | 825 |
| Tier 1 risk-based capital ratio | 20.9235% | 1,314 |
| Total risk-based capital ratio | 21.6808% | 1,380 |
| Memoranda: | ||
| Average total assets | $117,646,600 | 4,104 |
| Average earning assets | $104,289,000 | 4,183 |
| Average equity | $15,865,600 | 3,699 |
| Average total loans | $91,792,200 | 3,553 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6017% | 4,736 |
| Cost of funding earning assets | 0.7935% | 517 |
| Net interest margin | 2.8082% | 5,563 |
| Noninterest income to average assets | 9.1125% | 75 |
| Noninterest expense to average assets | 11.1323% | 72 |
| Loan and lease loss provision to assets | -0.1126% | 6,017 |
| Net operating income to assets | 0.5473% | 4,602 |
| Return on assets (ROA) | 0.5473% | 4,703 |
| Pretax return on assets | 0.5819% | 5,024 |
| Return on Equity (ROE) | 4.0800% | 5,000 |
| Retained earnings to average equity (ytd only) | 1.6287% | 5,051 |
| Net charge-offs to loans | 0.2143% | 1,216 |
| Credit loss provision to net charge-offs | -66.8874% | 4,999 |
| Earnings coverage of net charge-offs (x) | 2.7881% | 3,602 |
| Efficiency ratio | 95.9550% | 419 |
| Assets per employee ($millions) | 1.1468% | 6,216 |
| Cash dividends to net income (ytd only)* | 60.0810% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7874% | 5,551 |
| Loan loss allowance to noncurrent loans | 29.6044% | 5,443 |
| Noncurrent assets plus other real estate owned to assets | 3.1472% | 459 |
| Noncurrent loans to loans | 2.6598% | 733 |
| Net loans and leases to total assets | 78.0295% | 1,092 |
| Net loans and leases to deposits | 96.9874% | 909 |
| Net loans and leases to core deposits | 119.3828% | 492 |
| Total domestic deposits to total assets | 80.4533% | 4,622 |
| Equity capital to assets | 14.3566% | 897 |
| Core capital (leverage) ratio | 14.4844% | 742 |
| Tier 1 risk-based capital ratio | 21.5513% | 1,257 |
| Total risk-based capital ratio | 22.4626% | 1,289 |
| Memoranda: | ||
| Average total assets | $119,613,000 | 4,124 |
| Average earning assets | $106,020,000 | 4,181 |
| Average equity | $16,045,500 | 3,704 |
| Average total loans | $93,926,000 | 3,535 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5889% | 4,748 |
| Cost of funding earning assets | 0.7753% | 564 |
| Net interest margin | 2.8136% | 5,586 |
| Noninterest income to average assets | 9.5573% | 77 |
| Noninterest expense to average assets | 11.2767% | 70 |
| Loan and lease loss provision to assets | -0.2196% | 6,192 |
| Net operating income to assets | 0.9277% | 2,744 |
| Return on assets (ROA) | 0.9277% | 2,865 |
| Pretax return on assets | 0.9867% | 3,635 |
| Return on Equity (ROE) | 7.0681% | 3,569 |
| Retained earnings to average equity (ytd only) | 3.3842% | 3,882 |
| Net charge-offs to loans | 0.3258% | 812 |
| Credit loss provision to net charge-offs | -85.8974% | 4,877 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,258 |
| Efficiency ratio | 93.6309% | 541 |
| Assets per employee ($millions) | 1.3428% | 6,282 |
| Cash dividends to net income (ytd only)* | 52.1201% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6439% | 5,903 |
| Loan loss allowance to noncurrent loans | 26.6613% | 5,566 |
| Noncurrent assets plus other real estate owned to assets | 2.9927% | 562 |
| Noncurrent loans to loans | 2.4151% | 936 |
| Net loans and leases to total assets | 78.7616% | 968 |
| Net loans and leases to deposits | 112.5779% | 210 |
| Net loans and leases to core deposits | 136.9749% | 192 |
| Total domestic deposits to total assets | 69.9619% | 6,038 |
| Equity capital to assets | 12.5744% | 1,616 |
| Core capital (leverage) ratio | 13.0506% | 1,148 |
| Tier 1 risk-based capital ratio | 19.5918% | 1,644 |
| Total risk-based capital ratio | 20.3705% | 1,736 |
| Memoranda: | ||
| Average total assets | $122,021,670 | 4,118 |
| Average earning assets | $107,832,670 | 4,190 |
| Average equity | $16,015,670 | 3,723 |
| Average total loans | $95,771,000 | 3,516 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5492% | 4,830 |
| Cost of funding earning assets | 0.7772% | 571 |
| Net interest margin | 2.7719% | 5,699 |
| Noninterest income to average assets | 9.3375% | 78 |
| Noninterest expense to average assets | 10.8589% | 74 |
| Loan and lease loss provision to assets | 0.0034% | 3,666 |
| Net operating income to assets | 0.8568% | 2,977 |
| Return on assets (ROA) | 0.8568% | 3,095 |
| Pretax return on assets | 0.9176% | 3,821 |
| Return on Equity (ROE) | 6.3825% | 3,838 |
| Retained earnings to average equity (ytd only) | -1.0302% | 5,561 |
| Net charge-offs to loans | -0.1080% | 5,881 |
| Credit loss provision to net charge-offs | -4.0000% | 4,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1821% | 700 |
| Assets per employee ($millions) | 1.1006% | 6,361 |
| Cash dividends to net income (ytd only)* | 116.1417% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0176% | 4,931 |
| Loan loss allowance to noncurrent loans | 41.0278% | 5,269 |
| Noncurrent assets plus other real estate owned to assets | 3.4985% | 472 |
| Noncurrent loans to loans | 2.4804% | 982 |
| Net loans and leases to total assets | 77.5471% | 987 |
| Net loans and leases to deposits | 103.3232% | 398 |
| Net loans and leases to core deposits | 125.2472% | 305 |
| Total domestic deposits to total assets | 75.0530% | 5,824 |
| Equity capital to assets | 13.0133% | 1,397 |
| Core capital (leverage) ratio | 13.9399% | 845 |
| Tier 1 risk-based capital ratio | 19.2916% | 1,790 |
| Total risk-based capital ratio | 20.4424% | 1,776 |
| Memoranda: | ||
| Average total assets | $118,576,000 | 4,210 |
| Average earning assets | $104,475,500 | 4,292 |
| Average equity | $15,918,500 | 3,760 |
| Average total loans | $92,560,500 | 3,600 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8683% | 4,251 |
| Cost of funding earning assets | 0.7807% | 717 |
| Net interest margin | 3.0876% | 5,237 |
| Noninterest income to average assets | 8.0370% | 80 |
| Noninterest expense to average assets | 10.0740% | 77 |
| Loan and lease loss provision to assets | 0.1547% | 1,697 |
| Net operating income to assets | 0.5145% | 4,756 |
| Return on assets (ROA) | 0.5153% | 4,835 |
| Pretax return on assets | 0.5510% | 5,100 |
| Return on Equity (ROE) | 4.1952% | 5,024 |
| Retained earnings to average equity (ytd only) | 4.1952% | 3,210 |
| Net charge-offs to loans | 0.4848% | 857 |
| Credit loss provision to net charge-offs | 40.1210% | 3,670 |
| Earnings coverage of net charge-offs (x) | 1.8286% | 4,326 |
| Efficiency ratio | 93.4602% | 625 |
| Assets per employee ($millions) | 1.0647% | 6,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0603% | 4,764 |
| Loan loss allowance to noncurrent loans | 41.7621% | 5,329 |
| Noncurrent assets plus other real estate owned to assets | 3.8953% | 438 |
| Noncurrent loans to loans | 2.5389% | 997 |
| Net loans and leases to total assets | 76.9335% | 1,137 |
| Net loans and leases to deposits | 93.4297% | 1,135 |
| Net loans and leases to core deposits | 112.0538% | 692 |
| Total domestic deposits to total assets | 82.3438% | 4,296 |
| Equity capital to assets | 13.8366% | 1,019 |
| Core capital (leverage) ratio | 13.7458% | 881 |
| Tier 1 risk-based capital ratio | 20.0837% | 1,587 |
| Total risk-based capital ratio | 21.2361% | 1,573 |
| Memoranda: | ||
| Average total assets | $128,668,200 | 4,000 |
| Average earning assets | $114,261,800 | 4,088 |
| Average equity | $15,803,600 | 3,708 |
| Average total loans | $102,313,200 | 3,373 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9211% | 4,092 |
| Cost of funding earning assets | 0.7770% | 776 |
| Net interest margin | 3.1442% | 5,133 |
| Noninterest income to average assets | 8.2367% | 76 |
| Noninterest expense to average assets | 9.6831% | 78 |
| Loan and lease loss provision to assets | 0.1968% | 1,221 |
| Net operating income to assets | 1.0791% | 2,117 |
| Return on assets (ROA) | 1.0801% | 2,177 |
| Pretax return on assets | 1.1558% | 2,965 |
| Return on Equity (ROE) | 9.0425% | 2,658 |
| Retained earnings to average equity (ytd only) | 9.0425% | 987 |
| Net charge-offs to loans | 0.3158% | 1,261 |
| Credit loss provision to net charge-offs | 78.0000% | 2,635 |
| Earnings coverage of net charge-offs (x) | 5.3559% | 3,283 |
| Efficiency ratio | 87.7516% | 1,024 |
| Assets per employee ($millions) | 1.2107% | 6,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1615% | 4,436 |
| Loan loss allowance to noncurrent loans | 74.9370% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 2.9852% | 792 |
| Noncurrent loans to loans | 1.5500% | 2,093 |
| Net loans and leases to total assets | 78.9078% | 846 |
| Net loans and leases to deposits | 102.4069% | 478 |
| Net loans and leases to core deposits | 122.0710% | 347 |
| Total domestic deposits to total assets | 77.0533% | 5,666 |
| Equity capital to assets | 12.7147% | 1,578 |
| Core capital (leverage) ratio | 12.6282% | 1,340 |
| Tier 1 risk-based capital ratio | 19.2926% | 1,823 |
| Total risk-based capital ratio | 20.4664% | 1,822 |
| Memoranda: | ||
| Average total assets | $132,089,000 | 3,967 |
| Average earning assets | $117,548,250 | 4,044 |
| Average equity | $15,777,000 | 3,723 |
| Average total loans | $105,539,000 | 3,345 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8387% | 4,380 |
| Cost of funding earning assets | 0.7755% | 803 |
| Net interest margin | 3.0632% | 5,362 |
| Noninterest income to average assets | 8.1115% | 81 |
| Noninterest expense to average assets | 9.2274% | 82 |
| Loan and lease loss provision to assets | 0.2850% | 708 |
| Net operating income to assets | 1.2435% | 1,462 |
| Return on assets (ROA) | 1.2449% | 1,522 |
| Pretax return on assets | 1.3319% | 2,142 |
| Return on Equity (ROE) | 10.6431% | 1,871 |
| Retained earnings to average equity (ytd only) | 10.6431% | 592 |
| Net charge-offs to loans | 0.2252% | 1,690 |
| Credit loss provision to net charge-offs | 158.3333% | 1,408 |
| Earnings coverage of net charge-offs (x) | 8.9750% | 2,418 |
| Efficiency ratio | 85.1017% | 1,368 |
| Assets per employee ($millions) | 1.3411% | 6,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1947% | 4,447 |
| Loan loss allowance to noncurrent loans | 84.0691% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 2.5001% | 1,139 |
| Noncurrent loans to loans | 1.4211% | 2,429 |
| Net loans and leases to total assets | 77.9183% | 919 |
| Net loans and leases to deposits | 102.6563% | 413 |
| Net loans and leases to core deposits | 124.5330% | 294 |
| Total domestic deposits to total assets | 75.9021% | 5,920 |
| Equity capital to assets | 11.5262% | 2,399 |
| Core capital (leverage) ratio | 11.4443% | 2,054 |
| Tier 1 risk-based capital ratio | 18.7835% | 1,979 |
| Total risk-based capital ratio | 20.0049% | 1,949 |
| Memoranda: | ||
| Average total assets | $133,341,330 | 3,971 |
| Average earning assets | $118,894,000 | 4,037 |
| Average equity | $15,597,000 | 3,754 |
| Average total loans | $106,567,330 | 3,321 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8037% | 4,477 |
| Cost of funding earning assets | 0.7924% | 772 |
| Net interest margin | 3.0113% | 5,497 |
| Noninterest income to average assets | 7.4488% | 85 |
| Noninterest expense to average assets | 8.8397% | 93 |
| Loan and lease loss provision to assets | 0.5680% | 238 |
| Net operating income to assets | 0.6787% | 3,791 |
| Return on assets (ROA) | 0.6816% | 3,856 |
| Pretax return on assets | 0.7277% | 4,396 |
| Return on Equity (ROE) | 5.7822% | 4,139 |
| Retained earnings to average equity (ytd only) | 5.7822% | 2,655 |
| Net charge-offs to loans | 0.4501% | 805 |
| Credit loss provision to net charge-offs | 156.7797% | 1,221 |
| Earnings coverage of net charge-offs (x) | 3.5678% | 2,665 |
| Efficiency ratio | 87.2424% | 1,314 |
| Assets per employee ($millions) | 1.2343% | 6,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2649% | 4,310 |
| Loan loss allowance to noncurrent loans | 79.0361% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 2.7423% | 1,103 |
| Noncurrent loans to loans | 1.6005% | 2,419 |
| Net loans and leases to total assets | 79.0179% | 659 |
| Net loans and leases to deposits | 98.7122% | 507 |
| Net loans and leases to core deposits | 123.5335% | 271 |
| Total domestic deposits to total assets | 80.0488% | 5,473 |
| Equity capital to assets | 11.9351% | 1,912 |
| Core capital (leverage) ratio | 11.8439% | 1,736 |
| Tier 1 risk-based capital ratio | 18.6040% | 2,090 |
| Total risk-based capital ratio | 19.8549% | 2,054 |
| Memoranda: | ||
| Average total assets | $130,275,500 | 4,060 |
| Average earning assets | $116,097,500 | 4,138 |
| Average equity | $15,357,500 | 3,801 |
| Average total loans | $104,856,500 | 3,372 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0098% | 4,059 |
| Cost of funding earning assets | 0.9672% | 534 |
| Net interest margin | 3.0425% | 5,472 |
| Noninterest income to average assets | 7.2842% | 86 |
| Noninterest expense to average assets | 9.9702% | 80 |
| Loan and lease loss provision to assets | 0.5353% | 505 |
| Net operating income to assets | -0.4450% | 6,472 |
| Return on assets (ROA) | -0.4437% | 6,484 |
| Pretax return on assets | -0.4805% | 6,475 |
| Return on Equity (ROE) | -4.0245% | 6,459 |
| Retained earnings to average equity (ytd only) | -7.0429% | 6,462 |
| Net charge-offs to loans | 0.7300% | 879 |
| Credit loss provision to net charge-offs | 87.8271% | 2,826 |
| Earnings coverage of net charge-offs (x) | 0.0876% | 5,061 |
| Efficiency ratio | 99.4674% | 496 |
| Assets per employee ($millions) | 1.2838% | 6,736 |
| Cash dividends to net income (ytd only)* | -75.0000% | 6,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1746% | 4,786 |
| Loan loss allowance to noncurrent loans | 68.2940% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 2.6056% | 1,302 |
| Noncurrent loans to loans | 1.7199% | 2,335 |
| Net loans and leases to total assets | 79.9908% | 597 |
| Net loans and leases to deposits | 101.4774% | 419 |
| Net loans and leases to core deposits | 128.2545% | 212 |
| Total domestic deposits to total assets | 78.8263% | 5,684 |
| Equity capital to assets | 11.6434% | 2,069 |
| Core capital (leverage) ratio | 11.5576% | 1,916 |
| Tier 1 risk-based capital ratio | 18.3124% | 2,142 |
| Total risk-based capital ratio | 19.5623% | 2,101 |
| Memoranda: | ||
| Average total assets | $144,229,200 | 3,806 |
| Average earning assets | $129,858,400 | 3,846 |
| Average equity | $15,902,600 | 3,718 |
| Average total loans | $120,404,600 | 3,028 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0336% | 4,000 |
| Cost of funding earning assets | 0.9961% | 504 |
| Net interest margin | 3.0375% | 5,497 |
| Noninterest income to average assets | 8.0333% | 81 |
| Noninterest expense to average assets | 10.2011% | 78 |
| Loan and lease loss provision to assets | 0.6208% | 379 |
| Net operating income to assets | -0.0614% | 6,350 |
| Return on assets (ROA) | -0.0596% | 6,386 |
| Pretax return on assets | -0.0506% | 6,358 |
| Return on Equity (ROE) | -0.5477% | 6,387 |
| Retained earnings to average equity (ytd only) | -4.5310% | 6,472 |
| Net charge-offs to loans | 0.6075% | 1,024 |
| Credit loss provision to net charge-offs | 121.5929% | 1,940 |
| Earnings coverage of net charge-offs (x) | 1.1133% | 4,471 |
| Efficiency ratio | 94.7223% | 695 |
| Assets per employee ($millions) | 1.1851% | 6,823 |
| Cash dividends to net income (ytd only)* | -727.2500% | 6,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3107% | 4,330 |
| Loan loss allowance to noncurrent loans | 62.6168% | 4,708 |
| Noncurrent assets plus other real estate owned to assets | 2.9731% | 1,246 |
| Noncurrent loans to loans | 2.0933% | 2,137 |
| Net loans and leases to total assets | 81.4312% | 411 |
| Net loans and leases to deposits | 102.1341% | 375 |
| Net loans and leases to core deposits | 130.0122% | 192 |
| Total domestic deposits to total assets | 79.7297% | 5,572 |
| Equity capital to assets | 11.6078% | 2,212 |
| Core capital (leverage) ratio | 11.5448% | 2,003 |
| Tier 1 risk-based capital ratio | 18.2507% | 2,229 |
| Total risk-based capital ratio | 19.5032% | 2,191 |
| Memoranda: | ||
| Average total assets | $147,549,000 | 3,787 |
| Average earning assets | $132,912,750 | 3,818 |
| Average equity | $16,066,500 | 3,732 |
| Average total loans | $124,007,500 | 2,975 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8063% | 4,808 |
| Cost of funding earning assets | 1.0383% | 452 |
| Net interest margin | 2.7679% | 6,067 |
| Noninterest income to average assets | 8.9318% | 76 |
| Noninterest expense to average assets | 10.2153% | 78 |
| Loan and lease loss provision to assets | 0.9187% | 210 |
| Net operating income to assets | 0.2617% | 5,743 |
| Return on assets (ROA) | 0.2617% | 5,873 |
| Pretax return on assets | 0.2961% | 5,888 |
| Return on Equity (ROE) | 2.4522% | 5,813 |
| Retained earnings to average equity (ytd only) | -3.4925% | 6,358 |
| Net charge-offs to loans | 0.8979% | 694 |
| Credit loss provision to net charge-offs | 121.0801% | 1,846 |
| Earnings coverage of net charge-offs (x) | 1.6010% | 3,991 |
| Efficiency ratio | 89.3720% | 1,094 |
| Assets per employee ($millions) | 1.2292% | 6,868 |
| Cash dividends to net income (ytd only)* | 242.4242% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2369% | 4,798 |
| Loan loss allowance to noncurrent loans | 38.5300% | 5,693 |
| Noncurrent assets plus other real estate owned to assets | 3.7550% | 978 |
| Noncurrent loans to loans | 3.2102% | 1,367 |
| Net loans and leases to total assets | 82.4897% | 321 |
| Net loans and leases to deposits | 106.6665% | 208 |
| Net loans and leases to core deposits | 136.5682% | 152 |
| Total domestic deposits to total assets | 77.3342% | 6,083 |
| Equity capital to assets | 11.2803% | 2,489 |
| Core capital (leverage) ratio | 11.2261% | 2,149 |
| Tier 1 risk-based capital ratio | 17.6149% | 2,471 |
| Total risk-based capital ratio | 18.8691% | 2,436 |
| Memoranda: | ||
| Average total assets | $151,302,670 | 3,740 |
| Average earning assets | $136,564,330 | 3,783 |
| Average equity | $16,148,670 | 3,746 |
| Average total loans | $127,858,330 | 2,919 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6707% | 5,251 |
| Cost of funding earning assets | 1.1205% | 338 |
| Net interest margin | 2.5502% | 6,440 |
| Noninterest income to average assets | 8.0354% | 88 |
| Noninterest expense to average assets | 9.7468% | 85 |
| Loan and lease loss provision to assets | 0.3007% | 1,154 |
| Net operating income to assets | 0.2775% | 5,640 |
| Return on assets (ROA) | 0.2775% | 5,761 |
| Pretax return on assets | 0.2981% | 5,856 |
| Return on Equity (ROE) | 2.6698% | 5,716 |
| Retained earnings to average equity (ytd only) | -9.1960% | 6,581 |
| Net charge-offs to loans | 0.4537% | 1,314 |
| Credit loss provision to net charge-offs | 78.0000% | 2,180 |
| Earnings coverage of net charge-offs (x) | 1.5533% | 3,313 |
| Efficiency ratio | 94.2126% | 822 |
| Assets per employee ($millions) | 1.2849% | 6,939 |
| Cash dividends to net income (ytd only)* | 444.4444% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0390% | 5,839 |
| Loan loss allowance to noncurrent loans | 26.3853% | 6,154 |
| Noncurrent assets plus other real estate owned to assets | 4.3014% | 878 |
| Noncurrent loans to loans | 3.9377% | 1,154 |
| Net loans and leases to total assets | 84.2927% | 181 |
| Net loans and leases to deposits | 109.9555% | 129 |
| Net loans and leases to core deposits | 145.1108% | 111 |
| Total domestic deposits to total assets | 76.6607% | 6,285 |
| Equity capital to assets | 10.7310% | 3,280 |
| Core capital (leverage) ratio | 10.6872% | 2,563 |
| Tier 1 risk-based capital ratio | 16.4606% | 3,028 |
| Total risk-based capital ratio | 17.7106% | 2,978 |
| Memoranda: | ||
| Average total assets | $155,661,500 | 3,713 |
| Average earning assets | $141,009,000 | 3,749 |
| Average equity | $16,181,000 | 3,789 |
| Average total loans | $132,242,000 | 2,859 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9509% | 5,439 |
| Cost of funding earning assets | 1.4970% | 167 |
| Net interest margin | 2.4539% | 6,738 |
| Noninterest income to average assets | 8.8263% | 83 |
| Noninterest expense to average assets | 9.0362% | 96 |
| Loan and lease loss provision to assets | 1.1524% | 315 |
| Net operating income to assets | 0.8243% | 3,161 |
| Return on assets (ROA) | 0.8243% | 3,425 |
| Pretax return on assets | 0.8470% | 4,121 |
| Return on Equity (ROE) | 9.2260% | 2,527 |
| Retained earnings to average equity (ytd only) | 9.2260% | 756 |
| Net charge-offs to loans | 1.5733% | 550 |
| Credit loss provision to net charge-offs | 86.3557% | 3,612 |
| Earnings coverage of net charge-offs (x) | 1.4983% | 4,693 |
| Efficiency ratio | 81.8829% | 1,877 |
| Assets per employee ($millions) | 1.3752% | 7,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9831% | 6,017 |
| Loan loss allowance to noncurrent loans | 28.6319% | 6,116 |
| Noncurrent assets plus other real estate owned to assets | 3.9734% | 1,079 |
| Noncurrent loans to loans | 3.4334% | 1,461 |
| Net loans and leases to total assets | 83.9171% | 218 |
| Net loans and leases to deposits | 114.5536% | 104 |
| Net loans and leases to core deposits | 154.2615% | 94 |
| Total domestic deposits to total assets | 73.2558% | 6,597 |
| Equity capital to assets | 10.0864% | 4,052 |
| Core capital (leverage) ratio | 10.0459% | 3,342 |
| Tier 1 risk-based capital ratio | 15.4867% | 3,429 |
| Total risk-based capital ratio | 16.7375% | 3,391 |
| Memoranda: | ||
| Average total assets | $171,907,600 | 3,425 |
| Average earning assets | $154,776,400 | 3,472 |
| Average equity | $15,358,800 | 3,885 |
| Average total loans | $145,809,800 | 2,633 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9593% | 5,636 |
| Cost of funding earning assets | 1.5056% | 196 |
| Net interest margin | 2.4537% | 6,858 |
| Noninterest income to average assets | 8.9835% | 79 |
| Noninterest expense to average assets | 8.8680% | 96 |
| Loan and lease loss provision to assets | 1.3821% | 243 |
| Net operating income to assets | 0.8781% | 3,089 |
| Return on assets (ROA) | 0.8781% | 3,330 |
| Pretax return on assets | 0.9385% | 3,963 |
| Return on Equity (ROE) | 10.1323% | 2,287 |
| Retained earnings to average equity (ytd only) | 10.1323% | 882 |
| Net charge-offs to loans | 1.9304% | 388 |
| Credit loss provision to net charge-offs | 84.3998% | 3,484 |
| Earnings coverage of net charge-offs (x) | 1.4171% | 4,580 |
| Efficiency ratio | 79.2590% | 2,199 |
| Assets per employee ($millions) | 1.4681% | 7,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9330% | 6,288 |
| Loan loss allowance to noncurrent loans | 30.9247% | 6,088 |
| Noncurrent assets plus other real estate owned to assets | 3.6421% | 1,364 |
| Noncurrent loans to loans | 3.0171% | 1,849 |
| Net loans and leases to total assets | 83.7073% | 240 |
| Net loans and leases to deposits | 110.4034% | 152 |
| Net loans and leases to core deposits | 148.2103% | 117 |
| Total domestic deposits to total assets | 75.8195% | 6,408 |
| Equity capital to assets | 9.5350% | 5,160 |
| Core capital (leverage) ratio | 9.4997% | 4,272 |
| Tier 1 risk-based capital ratio | 15.1101% | 3,764 |
| Total risk-based capital ratio | 16.3646% | 3,716 |
| Memoranda: | ||
| Average total assets | $174,315,000 | 3,424 |
| Average earning assets | $156,656,000 | 3,473 |
| Average equity | $15,106,500 | 3,977 |
| Average total loans | $147,879,500 | 2,636 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0038% | 5,623 |
| Cost of funding earning assets | 1.5234% | 221 |
| Net interest margin | 2.4803% | 6,904 |
| Noninterest income to average assets | 8.4272% | 85 |
| Noninterest expense to average assets | 8.5601% | 102 |
| Loan and lease loss provision to assets | 1.6055% | 215 |
| Net operating income to assets | 0.4530% | 5,024 |
| Return on assets (ROA) | 0.4530% | 5,262 |
| Pretax return on assets | 0.4837% | 5,486 |
| Return on Equity (ROE) | 5.4006% | 4,629 |
| Retained earnings to average equity (ytd only) | 5.4006% | 3,047 |
| Net charge-offs to loans | 1.3233% | 799 |
| Credit loss provision to net charge-offs | 142.8283% | 1,944 |
| Earnings coverage of net charge-offs (x) | 1.8586% | 4,045 |
| Efficiency ratio | 80.3817% | 2,112 |
| Assets per employee ($millions) | 1.4591% | 7,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5313% | 3,866 |
| Loan loss allowance to noncurrent loans | 38.5923% | 5,732 |
| Noncurrent assets plus other real estate owned to assets | 4.3713% | 1,141 |
| Noncurrent loans to loans | 3.9680% | 1,397 |
| Net loans and leases to total assets | 80.0535% | 506 |
| Net loans and leases to deposits | 102.3833% | 325 |
| Net loans and leases to core deposits | 142.4773% | 136 |
| Total domestic deposits to total assets | 78.1900% | 6,121 |
| Equity capital to assets | 9.1478% | 5,528 |
| Core capital (leverage) ratio | 9.1126% | 4,744 |
| Tier 1 risk-based capital ratio | 14.4914% | 4,112 |
| Total risk-based capital ratio | 15.7458% | 4,070 |
| Memoranda: | ||
| Average total assets | $176,143,330 | 3,422 |
| Average earning assets | $157,800,330 | 3,468 |
| Average equity | $14,776,000 | 4,037 |
| Average total loans | $149,621,330 | 2,623 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1071% | 5,426 |
| Cost of funding earning assets | 1.5302% | 249 |
| Net interest margin | 2.5769% | 6,890 |
| Noninterest income to average assets | 8.1258% | 83 |
| Noninterest expense to average assets | 8.4430% | 106 |
| Loan and lease loss provision to assets | 1.9632% | 146 |
| Net operating income to assets | 0.0123% | 6,394 |
| Return on assets (ROA) | 0.2396% | 6,001 |
| Pretax return on assets | 0.2551% | 6,072 |
| Return on Equity (ROE) | 2.9816% | 5,725 |
| Retained earnings to average equity (ytd only) | 2.9816% | 4,764 |
| Net charge-offs to loans | 1.3801% | 733 |
| Credit loss provision to net charge-offs | 164.1929% | 1,548 |
| Earnings coverage of net charge-offs (x) | 1.6531% | 3,496 |
| Efficiency ratio | 81.0304% | 2,071 |
| Assets per employee ($millions) | 1.4089% | 7,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3727% | 4,719 |
| Loan loss allowance to noncurrent loans | 36.1106% | 5,847 |
| Noncurrent assets plus other real estate owned to assets | 4.1918% | 1,295 |
| Noncurrent loans to loans | 3.8013% | 1,626 |
| Net loans and leases to total assets | 84.0652% | 182 |
| Net loans and leases to deposits | 107.7333% | 172 |
| Net loans and leases to core deposits | 154.0831% | 103 |
| Total domestic deposits to total assets | 78.0309% | 6,258 |
| Equity capital to assets | 8.4610% | 6,118 |
| Core capital (leverage) ratio | 8.4339% | 5,699 |
| Tier 1 risk-based capital ratio | 13.8752% | 4,550 |
| Total risk-based capital ratio | 15.1008% | 4,546 |
| Memoranda: | ||
| Average total assets | $180,315,500 | 3,373 |
| Average earning assets | $160,502,500 | 3,427 |
| Average equity | $14,489,000 | 4,101 |
| Average total loans | $156,223,000 | 2,534 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7374% | 4,090 |
| Cost of funding earning assets | 1.5972% | 484 |
| Net interest margin | 3.1402% | 6,248 |
| Noninterest income to average assets | 6.9383% | 88 |
| Noninterest expense to average assets | 8.0333% | 104 |
| Loan and lease loss provision to assets | 1.1280% | 803 |
| Net operating income to assets | 0.5563% | 4,205 |
| Return on assets (ROA) | 0.6044% | 4,167 |
| Pretax return on assets | 0.6389% | 4,560 |
| Return on Equity (ROE) | 8.0580% | 2,873 |
| Retained earnings to average equity (ytd only) | 5.8081% | 2,120 |
| Net charge-offs to loans | 0.9172% | 1,891 |
| Credit loss provision to net charge-offs | 136.9110% | 2,176 |
| Earnings coverage of net charge-offs (x) | 2.0831% | 4,214 |
| Efficiency ratio | 82.3969% | 1,963 |
| Assets per employee ($millions) | 1.5599% | 7,251 |
| Cash dividends to net income (ytd only)* | 27.9215% | 3,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0034% | 6,207 |
| Loan loss allowance to noncurrent loans | 32.7369% | 6,029 |
| Noncurrent assets plus other real estate owned to assets | 3.6011% | 1,634 |
| Noncurrent loans to loans | 3.0649% | 2,115 |
| Net loans and leases to total assets | 87.0346% | 106 |
| Net loans and leases to deposits | 124.0772% | 74 |
| Net loans and leases to core deposits | 182.6599% | 76 |
| Total domestic deposits to total assets | 70.1455% | 6,982 |
| Equity capital to assets | 7.6477% | 6,749 |
| Core capital (leverage) ratio | 7.6237% | 6,587 |
| Tier 1 risk-based capital ratio | 12.9034% | 5,150 |
| Total risk-based capital ratio | 14.1295% | 5,145 |
| Memoranda: | ||
| Average total assets | $185,464,400 | 3,252 |
| Average earning assets | $166,041,200 | 3,311 |
| Average equity | $13,911,600 | 4,126 |
| Average total loans | $166,596,400 | 2,406 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6770% | 4,561 |
| Cost of funding earning assets | 1.5935% | 599 |
| Net interest margin | 3.0835% | 6,420 |
| Noninterest income to average assets | 6.7964% | 94 |
| Noninterest expense to average assets | 7.8853% | 110 |
| Loan and lease loss provision to assets | 1.0550% | 795 |
| Net operating income to assets | 0.5904% | 4,131 |
| Return on assets (ROA) | 0.6535% | 4,021 |
| Pretax return on assets | 0.6990% | 4,481 |
| Return on Equity (ROE) | 8.7560% | 2,704 |
| Retained earnings to average equity (ytd only) | 5.7276% | 2,723 |
| Net charge-offs to loans | 0.7771% | 2,005 |
| Credit loss provision to net charge-offs | 150.3086% | 2,079 |
| Earnings coverage of net charge-offs (x) | 2.4023% | 3,923 |
| Efficiency ratio | 82.3840% | 1,913 |
| Assets per employee ($millions) | 1.5739% | 7,328 |
| Cash dividends to net income (ytd only)* | 34.5853% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8939% | 6,615 |
| Loan loss allowance to noncurrent loans | 56.8011% | 4,612 |
| Noncurrent assets plus other real estate owned to assets | 2.0244% | 3,113 |
| Noncurrent loans to loans | 1.5738% | 3,938 |
| Net loans and leases to total assets | 90.3794% | 37 |
| Net loans and leases to deposits | 131.9665% | 45 |
| Net loans and leases to core deposits | 204.5327% | 65 |
| Total domestic deposits to total assets | 68.4867% | 7,116 |
| Equity capital to assets | 7.2856% | 6,993 |
| Core capital (leverage) ratio | 7.2695% | 6,875 |
| Tier 1 risk-based capital ratio | 12.1446% | 5,785 |
| Total risk-based capital ratio | 13.3929% | 5,778 |
| Memoranda: | ||
| Average total assets | $184,643,250 | 3,284 |
| Average earning assets | $166,171,000 | 3,317 |
| Average equity | $13,780,750 | 4,169 |
| Average total loans | $166,760,000 | 2,422 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6385% | 4,800 |
| Cost of funding earning assets | 1.6160% | 656 |
| Net interest margin | 3.0225% | 6,567 |
| Noninterest income to average assets | 6.9053% | 98 |
| Noninterest expense to average assets | 7.7941% | 115 |
| Loan and lease loss provision to assets | 1.1527% | 692 |
| Net operating income to assets | 0.6249% | 3,937 |
| Return on assets (ROA) | 0.6249% | 4,063 |
| Pretax return on assets | 0.6680% | 4,511 |
| Return on Equity (ROE) | 8.3024% | 2,807 |
| Retained earnings to average equity (ytd only) | 3.7111% | 3,853 |
| Net charge-offs to loans | 1.0747% | 1,464 |
| Credit loss provision to net charge-offs | 119.1781% | 2,572 |
| Earnings coverage of net charge-offs (x) | 1.8824% | 3,923 |
| Efficiency ratio | 81.0634% | 2,230 |
| Assets per employee ($millions) | 1.5701% | 7,397 |
| Cash dividends to net income (ytd only)* | 55.3004% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8739% | 6,723 |
| Loan loss allowance to noncurrent loans | 58.7092% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 3.2333% | 2,071 |
| Noncurrent loans to loans | 1.4886% | 4,194 |
| Net loans and leases to total assets | 88.6887% | 69 |
| Net loans and leases to deposits | 135.3712% | 44 |
| Net loans and leases to core deposits | 205.5605% | 70 |
| Total domestic deposits to total assets | 65.5152% | 7,272 |
| Equity capital to assets | 7.1868% | 7,060 |
| Core capital (leverage) ratio | 7.1695% | 6,933 |
| Tier 1 risk-based capital ratio | 11.9645% | 5,812 |
| Total risk-based capital ratio | 13.2151% | 5,790 |
| Memoranda: | ||
| Average total assets | $181,136,000 | 3,352 |
| Average earning assets | $162,380,000 | 3,398 |
| Average equity | $13,634,670 | 4,190 |
| Average total loans | $163,020,000 | 2,495 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5362% | 5,221 |
| Cost of funding earning assets | 1.6679% | 634 |
| Net interest margin | 2.8684% | 6,803 |
| Noninterest income to average assets | 6.9474% | 101 |
| Noninterest expense to average assets | 7.9728% | 108 |
| Loan and lease loss provision to assets | 2.0943% | 258 |
| Net operating income to assets | -0.5184% | 6,815 |
| Return on assets (ROA) | -0.5184% | 6,819 |
| Pretax return on assets | -0.5550% | 6,782 |
| Return on Equity (ROE) | -6.7197% | 6,901 |
| Retained earnings to average equity (ytd only) | -6.7197% | 6,651 |
| Net charge-offs to loans | 1.4772% | 916 |
| Credit loss provision to net charge-offs | 157.0205% | 1,832 |
| Earnings coverage of net charge-offs (x) | 1.1541% | 3,794 |
| Efficiency ratio | 83.8175% | 1,976 |
| Assets per employee ($millions) | 1.4663% | 7,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1384% | 5,893 |
| Loan loss allowance to noncurrent loans | 53.5030% | 4,805 |
| Noncurrent assets plus other real estate owned to assets | 4.3692% | 1,493 |
| Noncurrent loans to loans | 2.1278% | 3,408 |
| Net loans and leases to total assets | 88.9332% | 63 |
| Net loans and leases to deposits | 127.1156% | 65 |
| Net loans and leases to core deposits | 201.1823% | 75 |
| Total domestic deposits to total assets | 69.9625% | 7,180 |
| Equity capital to assets | 7.6787% | 6,764 |
| Core capital (leverage) ratio | 7.6592% | 6,589 |
| Tier 1 risk-based capital ratio | 11.7917% | 5,861 |
| Total risk-based capital ratio | 13.0413% | 5,870 |
| Memoranda: | ||
| Average total assets | $175,145,500 | 3,465 |
| Average earning assets | $156,605,500 | 3,534 |
| Average equity | $13,512,500 | 4,219 |
| Average total loans | $158,138,500 | 2,590 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8949% | 5,058 |
| Cost of funding earning assets | 1.6680% | 1,740 |
| Net interest margin | 3.2270% | 6,201 |
| Noninterest income to average assets | 7.4752% | 89 |
| Noninterest expense to average assets | 7.9225% | 116 |
| Loan and lease loss provision to assets | 1.6735% | 850 |
| Net operating income to assets | 0.7554% | 2,976 |
| Return on assets (ROA) | 0.7554% | 3,098 |
| Pretax return on assets | 0.7566% | 3,776 |
| Return on Equity (ROE) | 10.1459% | 1,872 |
| Retained earnings to average equity (ytd only) | 6.2930% | 1,667 |
| Net charge-offs to loans | 0.6898% | 2,938 |
| Credit loss provision to net charge-offs | 270.0371% | 1,023 |
| Earnings coverage of net charge-offs (x) | 3.9212% | 3,134 |
| Efficiency ratio | 76.5271% | 2,957 |
| Assets per employee ($millions) | 1.5557% | 7,539 |
| Cash dividends to net income (ytd only)* | 37.9756% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1625% | 5,677 |
| Loan loss allowance to noncurrent loans | 59.8771% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 4.1980% | 1,595 |
| Noncurrent loans to loans | 1.9415% | 3,646 |
| Net loans and leases to total assets | 89.5663% | 67 |
| Net loans and leases to deposits | 127.5014% | 76 |
| Net loans and leases to core deposits | 216.0900% | 71 |
| Total domestic deposits to total assets | 70.2473% | 7,223 |
| Equity capital to assets | 7.7510% | 6,709 |
| Core capital (leverage) ratio | 7.7285% | 6,518 |
| Tier 1 risk-based capital ratio | 11.9047% | 5,563 |
| Total risk-based capital ratio | 13.1545% | 5,545 |
| Memoranda: | ||
| Average total assets | $173,947,400 | 3,467 |
| Average earning assets | $155,099,000 | 3,543 |
| Average equity | $12,951,000 | 4,372 |
| Average total loans | $156,270,200 | 2,666 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8211% | 5,574 |
| Cost of funding earning assets | 1.6491% | 2,111 |
| Net interest margin | 3.1720% | 6,429 |
| Noninterest income to average assets | 7.8644% | 87 |
| Noninterest expense to average assets | 7.7054% | 120 |
| Loan and lease loss provision to assets | 1.8130% | 689 |
| Net operating income to assets | 1.0944% | 1,907 |
| Return on assets (ROA) | 1.0944% | 2,012 |
| Pretax return on assets | 1.1697% | 2,598 |
| Return on Equity (ROE) | 14.8536% | 887 |
| Retained earnings to average equity (ytd only) | 9.6485% | 882 |
| Net charge-offs to loans | 0.8291% | 2,381 |
| Credit loss provision to net charge-offs | 243.9504% | 1,377 |
| Earnings coverage of net charge-offs (x) | 4.0134% | 3,216 |
| Efficiency ratio | 72.0932% | 3,678 |
| Assets per employee ($millions) | 1.8263% | 7,572 |
| Cash dividends to net income (ytd only)* | 35.0423% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9984% | 6,402 |
| Loan loss allowance to noncurrent loans | 58.0410% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 3.9916% | 1,751 |
| Noncurrent loans to loans | 1.7202% | 4,063 |
| Net loans and leases to total assets | 89.0052% | 83 |
| Net loans and leases to deposits | 128.3513% | 74 |
| Net loans and leases to core deposits | 261.2389% | 56 |
| Total domestic deposits to total assets | 69.3450% | 7,308 |
| Equity capital to assets | 7.0293% | 7,335 |
| Core capital (leverage) ratio | 7.0074% | 7,162 |
| Tier 1 risk-based capital ratio | 10.6151% | 6,697 |
| Total risk-based capital ratio | 11.8658% | 6,684 |
| Memoranda: | ||
| Average total assets | $173,485,250 | 3,522 |
| Average earning assets | $154,428,250 | 3,614 |
| Average equity | $12,782,250 | 4,479 |
| Average total loans | $155,511,250 | 2,721 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8455% | 5,621 |
| Cost of funding earning assets | 1.6765% | 2,253 |
| Net interest margin | 3.1690% | 6,407 |
| Noninterest income to average assets | 7.3921% | 95 |
| Noninterest expense to average assets | 7.5281% | 132 |
| Loan and lease loss provision to assets | 2.1543% | 561 |
| Net operating income to assets | 0.4934% | 4,357 |
| Return on assets (ROA) | 0.4934% | 4,517 |
| Pretax return on assets | 0.5284% | 4,820 |
| Return on Equity (ROE) | 6.5788% | 3,509 |
| Retained earnings to average equity (ytd only) | -1.4281% | 6,049 |
| Net charge-offs to loans | 1.0874% | 1,734 |
| Credit loss provision to net charge-offs | 221.2608% | 1,762 |
| Earnings coverage of net charge-offs (x) | 2.7553% | 3,610 |
| Efficiency ratio | 73.7270% | 3,524 |
| Assets per employee ($millions) | 1.7016% | 7,683 |
| Cash dividends to net income (ytd only)* | 121.7073% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0985% | 5,945 |
| Loan loss allowance to noncurrent loans | 29.5723% | 6,394 |
| Noncurrent assets plus other real estate owned to assets | 5.3590% | 1,166 |
| Noncurrent loans to loans | 3.7146% | 2,101 |
| Net loans and leases to total assets | 88.7014% | 99 |
| Net loans and leases to deposits | 126.3457% | 85 |
| Net loans and leases to core deposits | 273.5182% | 54 |
| Total domestic deposits to total assets | 70.2054% | 7,315 |
| Equity capital to assets | 7.0528% | 7,328 |
| Core capital (leverage) ratio | 7.0275% | 7,174 |
| Tier 1 risk-based capital ratio | 10.4066% | 6,753 |
| Total risk-based capital ratio | 11.6590% | 6,744 |
| Memoranda: | ||
| Average total assets | $166,177,000 | 3,669 |
| Average earning assets | $147,806,330 | 3,745 |
| Average equity | $12,464,330 | 4,562 |
| Average total loans | $148,788,670 | 2,859 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7206% | 6,174 |
| Cost of funding earning assets | 1.7187% | 2,297 |
| Net interest margin | 3.0020% | 6,828 |
| Noninterest income to average assets | 6.9248% | 97 |
| Noninterest expense to average assets | 7.2893% | 141 |
| Loan and lease loss provision to assets | 3.3618% | 277 |
| Net operating income to assets | -0.9882% | 7,098 |
| Return on assets (ROA) | -0.9882% | 7,125 |
| Pretax return on assets | -1.0561% | 7,076 |
| Return on Equity (ROE) | -12.7432% | 7,248 |
| Retained earnings to average equity (ytd only) | -28.9235% | 7,527 |
| Net charge-offs to loans | 1.7597% | 986 |
| Credit loss provision to net charge-offs | 213.5783% | 1,752 |
| Earnings coverage of net charge-offs (x) | 1.4649% | 3,861 |
| Efficiency ratio | 75.9696% | 3,222 |
| Assets per employee ($millions) | 1.5307% | 7,817 |
| Cash dividends to net income (ytd only)* | -126.9720% | 7,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0900% | 6,051 |
| Loan loss allowance to noncurrent loans | 40.3431% | 5,668 |
| Noncurrent assets plus other real estate owned to assets | 4.6259% | 1,449 |
| Noncurrent loans to loans | 2.7019% | 2,968 |
| Net loans and leases to total assets | 87.6205% | 141 |
| Net loans and leases to deposits | 120.5140% | 130 |
| Net loans and leases to core deposits | 277.0806% | 60 |
| Total domestic deposits to total assets | 72.7057% | 7,194 |
| Equity capital to assets | 7.4145% | 7,128 |
| Core capital (leverage) ratio | 7.3874% | 6,946 |
| Tier 1 risk-based capital ratio | 10.3990% | 6,719 |
| Total risk-based capital ratio | 11.4152% | 6,904 |
| Memoranda: | ||
| Average total assets | $159,081,500 | 3,862 |
| Average earning assets | $141,506,000 | 3,931 |
| Average equity | $12,336,000 | 4,630 |
| Average total loans | $142,300,000 | 3,031 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4120% | 4,640 |
| Cost of funding earning assets | 2.0374% | 2,789 |
| Net interest margin | 3.3746% | 5,470 |
| Noninterest income to average assets | 4.0151% | 168 |
| Noninterest expense to average assets | 7.7008% | 164 |
| Loan and lease loss provision to assets | 1.0632% | 2,156 |
| Net operating income to assets | -1.6206% | 6,917 |
| Return on assets (ROA) | 0.6067% | 3,373 |
| Pretax return on assets | 0.6486% | 3,744 |
| Return on Equity (ROE) | 7.5699% | 2,553 |
| Retained earnings to average equity (ytd only) | 4.3959% | 2,173 |
| Net charge-offs to loans | 0.7334% | 2,992 |
| Credit loss provision to net charge-offs | 161.7021% | 2,737 |
| Earnings coverage of net charge-offs (x) | -1.0000% | 6,879 |
| Efficiency ratio | 109.3355% | 811 |
| Assets per employee ($millions) | 1.6749% | 7,857 |
| Cash dividends to net income (ytd only)* | 41.9287% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8121% | 7,093 |
| Loan loss allowance to noncurrent loans | 22.6027% | 6,934 |
| Noncurrent assets plus other real estate owned to assets | 5.0515% | 1,210 |
| Noncurrent loans to loans | 3.5931% | 2,105 |
| Net loans and leases to total assets | 89.6003% | 101 |
| Net loans and leases to deposits | 126.0490% | 116 |
| Net loans and leases to core deposits | 148.9950% | 533 |
| Total domestic deposits to total assets | 71.0837% | 7,331 |
| Equity capital to assets | 8.1017% | 6,459 |
| Core capital (leverage) ratio | 8.0713% | 6,045 |
| Tier 1 risk-based capital ratio | 11.4618% | 5,441 |
| Total risk-based capital ratio | 12.5039% | 5,615 |
| Memoranda: | ||
| Average total assets | $157,257,000 | 3,826 |
| Average earning assets | $141,111,800 | 3,876 |
| Average equity | $12,602,600 | 4,611 |
| Average total loans | $140,982,200 | 3,062 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4520% | 4,680 |
| Cost of funding earning assets | 2.1488% | 2,658 |
| Net interest margin | 3.3031% | 5,627 |
| Noninterest income to average assets | 4.2294% | 157 |
| Noninterest expense to average assets | 7.7923% | 163 |
| Loan and lease loss provision to assets | 0.7031% | 2,627 |
| Net operating income to assets | -1.2300% | 6,973 |
| Return on assets (ROA) | 1.0253% | 2,040 |
| Pretax return on assets | 1.0966% | 2,586 |
| Return on Equity (ROE) | 12.8295% | 1,141 |
| Retained earnings to average equity (ytd only) | 8.5848% | 950 |
| Net charge-offs to loans | 0.3403% | 3,937 |
| Credit loss provision to net charge-offs | 230.9192% | 1,890 |
| Earnings coverage of net charge-offs (x) | -1.9694% | 6,739 |
| Efficiency ratio | 108.3363% | 800 |
| Assets per employee ($millions) | 1.6915% | 7,939 |
| Cash dividends to net income (ytd only)* | 33.0852% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6930% | 7,391 |
| Loan loss allowance to noncurrent loans | 35.5324% | 6,040 |
| Noncurrent assets plus other real estate owned to assets | 3.1006% | 2,212 |
| Noncurrent loans to loans | 1.9503% | 3,705 |
| Net loans and leases to total assets | 89.3188% | 145 |
| Net loans and leases to deposits | 122.3527% | 166 |
| Net loans and leases to core deposits | 143.4302% | 781 |
| Total domestic deposits to total assets | 73.0011% | 7,085 |
| Equity capital to assets | 8.1831% | 6,660 |
| Core capital (leverage) ratio | 8.1519% | 6,098 |
| Tier 1 risk-based capital ratio | 11.7755% | 5,173 |
| Total risk-based capital ratio | 12.6761% | 5,443 |
| Memoranda: | ||
| Average total assets | $157,212,000 | 3,850 |
| Average earning assets | $141,033,750 | 3,909 |
| Average equity | $12,564,500 | 4,647 |
| Average total loans | $140,673,000 | 3,103 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5168% | 4,528 |
| Cost of funding earning assets | 2.3517% | 2,153 |
| Net interest margin | 3.1650% | 6,046 |
| Noninterest income to average assets | 4.6087% | 144 |
| Noninterest expense to average assets | 7.8217% | 169 |
| Loan and lease loss provision to assets | 0.6717% | 2,420 |
| Net operating income to assets | -0.9631% | 6,946 |
| Return on assets (ROA) | 1.2221% | 1,496 |
| Pretax return on assets | 1.3077% | 2,002 |
| Return on Equity (ROE) | 15.4160% | 767 |
| Retained earnings to average equity (ytd only) | 8.9725% | 950 |
| Net charge-offs to loans | 0.3846% | 3,277 |
| Credit loss provision to net charge-offs | 195.5390% | 2,338 |
| Earnings coverage of net charge-offs (x) | -1.0781% | 6,247 |
| Efficiency ratio | 104.9700% | 998 |
| Assets per employee ($millions) | 1.8214% | 7,962 |
| Cash dividends to net income (ytd only)* | 41.7973% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5668% | 7,698 |
| Loan loss allowance to noncurrent loans | 29.4954% | 6,526 |
| Noncurrent assets plus other real estate owned to assets | 3.0601% | 2,065 |
| Noncurrent loans to loans | 1.9217% | 3,642 |
| Net loans and leases to total assets | 88.3050% | 221 |
| Net loans and leases to deposits | 123.9445% | 180 |
| Net loans and leases to core deposits | 141.4454% | 957 |
| Total domestic deposits to total assets | 71.2456% | 7,334 |
| Equity capital to assets | 7.3738% | 7,368 |
| Core capital (leverage) ratio | 7.3444% | 7,197 |
| Tier 1 risk-based capital ratio | 11.0590% | 5,821 |
| Total risk-based capital ratio | 11.8172% | 6,264 |
| Memoranda: | ||
| Average total assets | $156,616,330 | 3,885 |
| Average earning assets | $140,662,000 | 3,935 |
| Average equity | $12,415,670 | 4,705 |
| Average total loans | $139,895,000 | 3,144 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6852% | 3,878 |
| Cost of funding earning assets | 2.7068% | 1,252 |
| Net interest margin | 2.9784% | 6,536 |
| Noninterest income to average assets | 4.6251% | 141 |
| Noninterest expense to average assets | 7.9321% | 153 |
| Loan and lease loss provision to assets | 0.8301% | 1,565 |
| Net operating income to assets | -1.3399% | 7,434 |
| Return on assets (ROA) | 1.3045% | 1,470 |
| Pretax return on assets | 1.3961% | 1,981 |
| Return on Equity (ROE) | 15.8118% | 850 |
| Retained earnings to average equity (ytd only) | 2.7442% | 4,353 |
| Net charge-offs to loans | 0.7458% | 1,697 |
| Credit loss provision to net charge-offs | 124.1935% | 3,197 |
| Earnings coverage of net charge-offs (x) | -0.9234% | 5,345 |
| Efficiency ratio | 108.4377% | 854 |
| Assets per employee ($millions) | 1.6994% | 8,062 |
| Cash dividends to net income (ytd only)* | 82.6446% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4732% | 7,859 |
| Loan loss allowance to noncurrent loans | 34.9922% | 6,218 |
| Noncurrent assets plus other real estate owned to assets | 2.6373% | 2,175 |
| Noncurrent loans to loans | 1.3524% | 4,286 |
| Net loans and leases to total assets | 89.8249% | 148 |
| Net loans and leases to deposits | 126.5777% | 183 |
| Net loans and leases to core deposits | 146.7914% | 820 |
| Total domestic deposits to total assets | 70.9642% | 7,332 |
| Equity capital to assets | 7.7738% | 7,104 |
| Core capital (leverage) ratio | 7.7388% | 6,840 |
| Tier 1 risk-based capital ratio | 11.2219% | 5,680 |
| Total risk-based capital ratio | 11.8414% | 6,222 |
| Memoranda: | ||
| Average total assets | $148,409,000 | 4,035 |
| Average earning assets | $134,032,000 | 4,073 |
| Average equity | $12,244,000 | 4,772 |
| Average total loans | $133,009,500 | 3,303 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3234% | 3,835 |
| Cost of funding earning assets | 3.4871% | 540 |
| Net interest margin | 2.8363% | 7,273 |
| Noninterest income to average assets | 2.9230% | 205 |
| Noninterest expense to average assets | 6.8974% | 290 |
| Loan and lease loss provision to assets | 0.6696% | 2,172 |
| Net operating income to assets | -1.7833% | 7,551 |
| Return on assets (ROA) | 0.1787% | 5,747 |
| Pretax return on assets | 0.2081% | 5,711 |
| Return on Equity (ROE) | 2.0361% | 5,611 |
| Retained earnings to average equity (ytd only) | -1.7990% | 5,815 |
| Net charge-offs to loans | 0.1459% | 4,757 |
| Credit loss provision to net charge-offs | 515.4696% | 850 |
| Earnings coverage of net charge-offs (x) | -10.8066% | 6,903 |
| Efficiency ratio | 125.5519% | 502 |
| Assets per employee ($millions) | 1.5770% | 8,142 |
| Cash dividends to net income (ytd only)* | 188.3534% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5203% | 7,818 |
| Loan loss allowance to noncurrent loans | 27.1115% | 6,884 |
| Noncurrent assets plus other real estate owned to assets | 3.1007% | 1,481 |
| Noncurrent loans to loans | 1.9192% | 2,868 |
| Net loans and leases to total assets | 88.4453% | 329 |
| Net loans and leases to deposits | 136.2400% | 137 |
| Net loans and leases to core deposits | 165.6030% | 481 |
| Total domestic deposits to total assets | 64.9188% | 7,731 |
| Equity capital to assets | 8.7926% | 5,665 |
| Core capital (leverage) ratio | 8.7493% | 5,114 |
| Tier 1 risk-based capital ratio | 12.1276% | 4,721 |
| Total risk-based capital ratio | 12.7692% | 5,118 |
| Memoranda: | ||
| Average total assets | $139,341,400 | 4,092 |
| Average earning assets | $126,292,800 | 4,124 |
| Average equity | $12,229,000 | 4,769 |
| Average total loans | $124,086,800 | 3,377 |