Home > First Federal Bank of Kansas City > Performance and Condition Ratios
First Federal Bank of Kansas City, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4195% | 2,259 |
| Cost of funding earning assets | 3.0000% | 329 |
| Net interest margin | 2.4195% | 4,087 |
| Noninterest income to average assets | 0.3800% | 2,354 |
| Noninterest expense to average assets | 2.6820% | 1,805 |
| Loan and lease loss provision to assets | 0.0200% | 2,448 |
| Net operating income to assets | -0.0803% | 4,217 |
| Return on assets (ROA) | -0.0819% | 4,243 |
| Pretax return on assets | -0.1294% | 4,259 |
| Return on Equity (ROE) | -0.7700% | 4,225 |
| Retained earnings to average equity (ytd only) | -0.7669% | 3,824 |
| Net charge-offs to loans | 0.7444% | 204 |
| Credit loss provision to net charge-offs | 2.5299% | 1,711 |
| Earnings coverage of net charge-offs (x) | -0.1933% | 4,418 |
| Efficiency ratio | 104.0385% | 220 |
| Assets per employee ($millions) | 7.5619% | 1,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7960% | 541 |
| Loan loss allowance to noncurrent loans | 314.6532% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.4878% | 1,511 |
| Noncurrent loans to loans | 0.5708% | 1,714 |
| Net loans and leases to total assets | 75.6200% | 1,135 |
| Net loans and leases to deposits | 111.6215% | 145 |
| Net loans and leases to core deposits | 139.7149% | 222 |
| Total domestic deposits to total assets | 67.7500% | 4,238 |
| Equity capital to assets | 10.6608% | 1,835 |
| Core capital (leverage) ratio | 11.2338% | 1,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $986,429,000 | 1,025 |
| Average earning assets | $891,744,500 | 1,065 |
| Average equity | $105,355,000 | 1,003 |
| Average total loans | $764,640,000 | 962 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5831% | 1,979 |
| Cost of funding earning assets | 3.0674% | 429 |
| Net interest margin | 2.5157% | 3,885 |
| Noninterest income to average assets | 0.5400% | 1,745 |
| Noninterest expense to average assets | 2.9449% | 1,242 |
| Loan and lease loss provision to assets | 0.7300% | 117 |
| Net operating income to assets | -0.6152% | 4,362 |
| Return on assets (ROA) | -0.6919% | 4,402 |
| Pretax return on assets | -0.9519% | 4,421 |
| Return on Equity (ROE) | -6.3100% | 4,376 |
| Retained earnings to average equity (ytd only) | -6.4969% | 4,334 |
| Net charge-offs to loans | 1.3220% | 111 |
| Credit loss provision to net charge-offs | 67.7571% | 2,225 |
| Earnings coverage of net charge-offs (x) | -0.1219% | 4,400 |
| Efficiency ratio | 104.1595% | 227 |
| Assets per employee ($millions) | 7.3302% | 1,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9684% | 391 |
| Loan loss allowance to noncurrent loans | 320.8635% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.5274% | 1,357 |
| Noncurrent loans to loans | 0.6135% | 1,574 |
| Net loans and leases to total assets | 76.5000% | 1,073 |
| Net loans and leases to deposits | 110.9228% | 162 |
| Net loans and leases to core deposits | 139.6623% | 249 |
| Total domestic deposits to total assets | 68.9600% | 4,229 |
| Equity capital to assets | 10.7003% | 1,723 |
| Core capital (leverage) ratio | 11.4462% | 1,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $975,417,200 | 1,033 |
| Average earning assets | $885,274,800 | 1,042 |
| Average equity | $106,958,800 | 960 |
| Average total loans | $758,498,000 | 944 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5653% | 1,956 |
| Cost of funding earning assets | 2.9890% | 520 |
| Net interest margin | 2.5764% | 3,792 |
| Noninterest income to average assets | 0.6000% | 1,465 |
| Noninterest expense to average assets | 2.8905% | 1,276 |
| Loan and lease loss provision to assets | 0.4700% | 191 |
| Net operating income to assets | -0.2994% | 4,347 |
| Return on assets (ROA) | -0.2933% | 4,365 |
| Pretax return on assets | -0.4178% | 4,384 |
| Return on Equity (ROE) | -2.6600% | 4,341 |
| Retained earnings to average equity (ytd only) | -2.9068% | 4,254 |
| Net charge-offs to loans | 1.4355% | 93 |
| Credit loss provision to net charge-offs | 40.7244% | 2,109 |
| Earnings coverage of net charge-offs (x) | 0.0436% | 2,731 |
| Efficiency ratio | 98.0758% | 311 |
| Assets per employee ($millions) | 8.0450% | 1,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7644% | 579 |
| Loan loss allowance to noncurrent loans | 344.5352% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.4405% | 1,561 |
| Noncurrent loans to loans | 0.5121% | 1,801 |
| Net loans and leases to total assets | 75.3000% | 1,212 |
| Net loans and leases to deposits | 106.6919% | 243 |
| Net loans and leases to core deposits | 136.1396% | 299 |
| Total domestic deposits to total assets | 70.5800% | 4,203 |
| Equity capital to assets | 10.7412% | 1,851 |
| Core capital (leverage) ratio | 11.8825% | 1,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $973,710,750 | 1,040 |
| Average earning assets | $884,836,500 | 1,041 |
| Average equity | $107,422,750 | 953 |
| Average total loans | $756,505,250 | 941 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5248% | 1,927 |
| Cost of funding earning assets | 2.8993% | 546 |
| Net interest margin | 2.6255% | 3,707 |
| Noninterest income to average assets | 0.4500% | 2,091 |
| Noninterest expense to average assets | 2.8094% | 1,439 |
| Loan and lease loss provision to assets | 0.3900% | 237 |
| Net operating income to assets | -0.2501% | 4,358 |
| Return on assets (ROA) | -0.2444% | 4,382 |
| Pretax return on assets | -0.3529% | 4,393 |
| Return on Equity (ROE) | -2.2000% | 4,349 |
| Retained earnings to average equity (ytd only) | -2.5671% | 4,185 |
| Net charge-offs to loans | 1.6246% | 82 |
| Credit loss provision to net charge-offs | 29.6913% | 1,912 |
| Earnings coverage of net charge-offs (x) | 0.0201% | 2,537 |
| Efficiency ratio | 98.8166% | 313 |
| Assets per employee ($millions) | 7.2819% | 1,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8494% | 514 |
| Loan loss allowance to noncurrent loans | 359.3590% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.4487% | 1,457 |
| Noncurrent loans to loans | 0.5146% | 1,722 |
| Net loans and leases to total assets | 76.2300% | 1,147 |
| Net loans and leases to deposits | 110.1308% | 212 |
| Net loans and leases to core deposits | 135.7023% | 322 |
| Total domestic deposits to total assets | 69.2200% | 4,250 |
| Equity capital to assets | 10.9498% | 1,596 |
| Core capital (leverage) ratio | 12.2937% | 1,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $965,754,667 | 1,053 |
| Average earning assets | $876,846,000 | 1,054 |
| Average equity | $107,513,000 | 943 |
| Average total loans | $753,780,667 | 941 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4754% | 1,860 |
| Cost of funding earning assets | 2.8389% | 560 |
| Net interest margin | 2.6365% | 3,666 |
| Noninterest income to average assets | 0.4800% | 1,876 |
| Noninterest expense to average assets | 2.8253% | 1,400 |
| Loan and lease loss provision to assets | 0.4500% | 179 |
| Net operating income to assets | -0.2803% | 4,408 |
| Return on assets (ROA) | -0.2715% | 4,393 |
| Pretax return on assets | -0.3897% | 4,404 |
| Return on Equity (ROE) | -2.4200% | 4,362 |
| Retained earnings to average equity (ytd only) | -2.4183% | 3,967 |
| Net charge-offs to loans | 1.7261% | 58 |
| Credit loss provision to net charge-offs | 32.5832% | 1,476 |
| Earnings coverage of net charge-offs (x) | 0.0336% | 2,127 |
| Efficiency ratio | 98.1436% | 335 |
| Assets per employee ($millions) | 6.6300% | 2,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1395% | 309 |
| Loan loss allowance to noncurrent loans | 368.4788% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.5260% | 1,213 |
| Noncurrent loans to loans | 0.5806% | 1,483 |
| Net loans and leases to total assets | 76.7500% | 983 |
| Net loans and leases to deposits | 111.8244% | 155 |
| Net loans and leases to core deposits | 134.3490% | 348 |
| Total domestic deposits to total assets | 68.6400% | 4,330 |
| Equity capital to assets | 11.1880% | 1,436 |
| Core capital (leverage) ratio | 12.5090% | 1,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $960,743,500 | 1,060 |
| Average earning assets | $871,615,500 | 1,063 |
| Average equity | $107,846,500 | 937 |
| Average total loans | $751,754,500 | 944 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4211% | 1,274 |
| Cost of funding earning assets | 2.2588% | 585 |
| Net interest margin | 3.1623% | 2,958 |
| Noninterest income to average assets | 0.9400% | 704 |
| Noninterest expense to average assets | 2.8508% | 1,393 |
| Loan and lease loss provision to assets | 1.0500% | 65 |
| Net operating income to assets | 0.0547% | 4,284 |
| Return on assets (ROA) | 0.0599% | 4,309 |
| Pretax return on assets | -0.0948% | 4,399 |
| Return on Equity (ROE) | 0.5300% | 4,300 |
| Retained earnings to average equity (ytd only) | 0.5267% | 3,952 |
| Net charge-offs to loans | 1.3866% | 68 |
| Credit loss provision to net charge-offs | 96.0187% | 1,889 |
| Earnings coverage of net charge-offs (x) | 0.8547% | 2,792 |
| Efficiency ratio | 74.7596% | 1,371 |
| Assets per employee ($millions) | 6.9575% | 2,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4443% | 205 |
| Loan loss allowance to noncurrent loans | 380.4777% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.5734% | 970 |
| Noncurrent loans to loans | 0.6424% | 1,223 |
| Net loans and leases to total assets | 76.1500% | 1,096 |
| Net loans and leases to deposits | 114.8894% | 125 |
| Net loans and leases to core deposits | 134.4558% | 343 |
| Total domestic deposits to total assets | 66.2900% | 4,370 |
| Equity capital to assets | 11.2627% | 1,383 |
| Core capital (leverage) ratio | 12.9349% | 1,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $940,929,400 | 1,041 |
| Average earning assets | $851,299,400 | 1,055 |
| Average equity | $107,084,800 | 902 |
| Average total loans | $755,370,600 | 903 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4064% | 1,126 |
| Cost of funding earning assets | 2.1169% | 573 |
| Net interest margin | 3.2895% | 2,709 |
| Noninterest income to average assets | 0.9900% | 655 |
| Noninterest expense to average assets | 2.9121% | 1,204 |
| Loan and lease loss provision to assets | 1.1300% | 51 |
| Net operating income to assets | -0.0446% | 4,455 |
| Return on assets (ROA) | -0.0412% | 4,436 |
| Pretax return on assets | -0.0755% | 4,436 |
| Return on Equity (ROE) | -0.3600% | 4,405 |
| Retained earnings to average equity (ytd only) | -0.3607% | 4,191 |
| Net charge-offs to loans | 1.3383% | 68 |
| Credit loss provision to net charge-offs | 104.8967% | 1,584 |
| Earnings coverage of net charge-offs (x) | 0.9726% | 2,554 |
| Efficiency ratio | 73.2459% | 1,420 |
| Assets per employee ($millions) | 6.8330% | 2,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5286% | 187 |
| Loan loss allowance to noncurrent loans | 429.8021% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 0.5527% | 1,058 |
| Noncurrent loans to loans | 0.5883% | 1,363 |
| Net loans and leases to total assets | 79.2600% | 734 |
| Net loans and leases to deposits | 119.4352% | 79 |
| Net loans and leases to core deposits | 132.4766% | 314 |
| Total domestic deposits to total assets | 66.3700% | 4,398 |
| Equity capital to assets | 11.1748% | 1,284 |
| Core capital (leverage) ratio | 12.8442% | 1,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $936,128,250 | 1,047 |
| Average earning assets | $846,626,750 | 1,062 |
| Average equity | $106,821,750 | 901 |
| Average total loans | $756,836,250 | 905 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3749% | 986 |
| Cost of funding earning assets | 1.9452% | 560 |
| Net interest margin | 3.4298% | 2,447 |
| Noninterest income to average assets | 1.2500% | 419 |
| Noninterest expense to average assets | 2.9983% | 1,048 |
| Loan and lease loss provision to assets | 1.1200% | 56 |
| Net operating income to assets | 0.1943% | 4,284 |
| Return on assets (ROA) | 0.2008% | 4,300 |
| Pretax return on assets | 0.2442% | 4,279 |
| Return on Equity (ROE) | 1.7500% | 4,298 |
| Retained earnings to average equity (ytd only) | 1.7475% | 3,768 |
| Net charge-offs to loans | 1.3064% | 63 |
| Credit loss provision to net charge-offs | 110.3316% | 1,377 |
| Earnings coverage of net charge-offs (x) | 1.2857% | 2,373 |
| Efficiency ratio | 68.6787% | 1,899 |
| Assets per employee ($millions) | 6.8487% | 2,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5227% | 218 |
| Loan loss allowance to noncurrent loans | 448.5668% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.5471% | 990 |
| Noncurrent loans to loans | 0.5624% | 1,331 |
| Net loans and leases to total assets | 79.2700% | 704 |
| Net loans and leases to deposits | 120.9079% | 85 |
| Net loans and leases to core deposits | 132.4537% | 292 |
| Total domestic deposits to total assets | 65.5600% | 4,436 |
| Equity capital to assets | 11.3377% | 1,255 |
| Core capital (leverage) ratio | 12.8873% | 1,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $938,409,667 | 1,033 |
| Average earning assets | $848,157,667 | 1,056 |
| Average equity | $107,813,667 | 886 |
| Average total loans | $757,214,000 | 893 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3347% | 792 |
| Cost of funding earning assets | 1.7751% | 479 |
| Net interest margin | 3.5596% | 2,223 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 2.8685% | 1,294 |
| Loan and lease loss provision to assets | 0.9800% | 70 |
| Net operating income to assets | -0.1224% | 4,537 |
| Return on assets (ROA) | -0.1164% | 4,520 |
| Pretax return on assets | -0.1811% | 4,519 |
| Return on Equity (ROE) | -1.0100% | 4,484 |
| Retained earnings to average equity (ytd only) | -1.0062% | 4,126 |
| Net charge-offs to loans | 1.3077% | 60 |
| Credit loss provision to net charge-offs | 102.7981% | 1,097 |
| Earnings coverage of net charge-offs (x) | 0.7530% | 1,997 |
| Efficiency ratio | 78.1530% | 989 |
| Assets per employee ($millions) | 6.1194% | 2,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4844% | 225 |
| Loan loss allowance to noncurrent loans | 584.5819% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.3921% | 1,320 |
| Noncurrent loans to loans | 0.4250% | 1,664 |
| Net loans and leases to total assets | 78.3300% | 734 |
| Net loans and leases to deposits | 120.4495% | 83 |
| Net loans and leases to core deposits | 130.9406% | 265 |
| Total domestic deposits to total assets | 65.0300% | 4,500 |
| Equity capital to assets | 11.1584% | 1,286 |
| Core capital (leverage) ratio | 12.7799% | 1,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $938,476,500 | 1,050 |
| Average earning assets | $847,725,500 | 1,072 |
| Average equity | $108,531,000 | 891 |
| Average total loans | $754,326,500 | 904 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7851% | 444 |
| Cost of funding earning assets | 0.7767% | 426 |
| Net interest margin | 4.0084% | 778 |
| Noninterest income to average assets | 0.7400% | 1,154 |
| Noninterest expense to average assets | 3.0812% | 856 |
| Loan and lease loss provision to assets | 0.7300% | 67 |
| Net operating income to assets | 0.4135% | 4,230 |
| Return on assets (ROA) | 0.3973% | 4,210 |
| Pretax return on assets | 0.5268% | 4,137 |
| Return on Equity (ROE) | 3.1300% | 4,279 |
| Retained earnings to average equity (ytd only) | 3.1257% | 3,683 |
| Net charge-offs to loans | 0.6032% | 116 |
| Credit loss provision to net charge-offs | 155.0835% | 1,278 |
| Earnings coverage of net charge-offs (x) | 2.7155% | 2,493 |
| Efficiency ratio | 70.5130% | 1,621 |
| Assets per employee ($millions) | 6.0711% | 2,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4453% | 1,353 |
| Loan loss allowance to noncurrent loans | 255.9510% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.5049% | 1,016 |
| Noncurrent loans to loans | 0.5647% | 1,316 |
| Net loans and leases to total assets | 79.2100% | 678 |
| Net loans and leases to deposits | 121.7571% | 65 |
| Net loans and leases to core deposits | 132.0310% | 207 |
| Total domestic deposits to total assets | 65.0500% | 4,540 |
| Equity capital to assets | 12.0225% | 928 |
| Core capital (leverage) ratio | 13.6658% | 777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $891,625,600 | 1,087 |
| Average earning assets | $804,309,200 | 1,108 |
| Average equity | $113,317,000 | 857 |
| Average total loans | $694,590,200 | 918 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6402% | 396 |
| Cost of funding earning assets | 0.5745% | 502 |
| Net interest margin | 4.0657% | 550 |
| Noninterest income to average assets | 0.7700% | 1,094 |
| Noninterest expense to average assets | 3.0817% | 810 |
| Loan and lease loss provision to assets | 0.7600% | 61 |
| Net operating income to assets | 0.4473% | 4,171 |
| Return on assets (ROA) | 0.4226% | 4,147 |
| Pretax return on assets | 0.5666% | 4,041 |
| Return on Equity (ROE) | 3.2800% | 4,267 |
| Retained earnings to average equity (ytd only) | 3.2785% | 3,706 |
| Net charge-offs to loans | 0.4501% | 140 |
| Credit loss provision to net charge-offs | 217.5882% | 943 |
| Earnings coverage of net charge-offs (x) | 3.8951% | 2,193 |
| Efficiency ratio | 69.2715% | 1,852 |
| Assets per employee ($millions) | 5.9189% | 2,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5389% | 1,192 |
| Loan loss allowance to noncurrent loans | 275.8764% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.4999% | 1,098 |
| Noncurrent loans to loans | 0.5578% | 1,426 |
| Net loans and leases to total assets | 78.9900% | 617 |
| Net loans and leases to deposits | 116.7590% | 68 |
| Net loans and leases to core deposits | 125.1355% | 187 |
| Total domestic deposits to total assets | 67.6500% | 4,567 |
| Equity capital to assets | 12.1201% | 859 |
| Core capital (leverage) ratio | 13.6937% | 735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $880,794,750 | 1,100 |
| Average earning assets | $793,937,750 | 1,129 |
| Average equity | $113,545,250 | 874 |
| Average total loans | $680,389,500 | 928 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4263% | 421 |
| Cost of funding earning assets | 0.4523% | 685 |
| Net interest margin | 3.9740% | 522 |
| Noninterest income to average assets | 0.8957% | 855 |
| Noninterest expense to average assets | 3.0638% | 772 |
| Loan and lease loss provision to assets | 0.8661% | 53 |
| Net operating income to assets | 0.4102% | 4,087 |
| Return on assets (ROA) | 0.3717% | 4,121 |
| Pretax return on assets | 0.4962% | 4,008 |
| Return on Equity (ROE) | 2.8245% | 4,236 |
| Retained earnings to average equity (ytd only) | 2.8245% | 3,499 |
| Net charge-offs to loans | 0.3292% | 211 |
| Credit loss provision to net charge-offs | 345.2381% | 750 |
| Earnings coverage of net charge-offs (x) | 5.6245% | 1,925 |
| Efficiency ratio | 68.2668% | 2,200 |
| Assets per employee ($millions) | 5.8676% | 2,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5820% | 1,193 |
| Loan loss allowance to noncurrent loans | 276.6010% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 0.5022% | 1,134 |
| Noncurrent loans to loans | 0.5719% | 1,477 |
| Net loans and leases to total assets | 77.3152% | 613 |
| Net loans and leases to deposits | 116.2970% | 55 |
| Net loans and leases to core deposits | 120.5619% | 192 |
| Total domestic deposits to total assets | 66.4809% | 4,650 |
| Equity capital to assets | 12.4742% | 765 |
| Core capital (leverage) ratio | 13.9557% | 640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $870,558,333 | 1,112 |
| Average earning assets | $784,047,000 | 1,144 |
| Average equity | $114,568,667 | 873 |
| Average total loans | $663,443,000 | 937 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1635% | 563 |
| Cost of funding earning assets | 0.4115% | 813 |
| Net interest margin | 3.7520% | 686 |
| Noninterest income to average assets | 0.9761% | 713 |
| Noninterest expense to average assets | 3.1601% | 640 |
| Loan and lease loss provision to assets | 0.8899% | 45 |
| Net operating income to assets | 0.2296% | 4,283 |
| Return on assets (ROA) | 0.2122% | 4,276 |
| Pretax return on assets | 0.2777% | 4,218 |
| Return on Equity (ROE) | 1.5689% | 4,333 |
| Retained earnings to average equity (ytd only) | 1.5689% | 3,667 |
| Net charge-offs to loans | 0.2305% | 270 |
| Credit loss provision to net charge-offs | 514.9051% | 505 |
| Earnings coverage of net charge-offs (x) | 6.8835% | 1,556 |
| Efficiency ratio | 72.4454% | 1,921 |
| Assets per employee ($millions) | 5.5634% | 3,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5185% | 1,501 |
| Loan loss allowance to noncurrent loans | 279.2301% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.4623% | 1,324 |
| Noncurrent loans to loans | 0.5438% | 1,681 |
| Net loans and leases to total assets | 73.9246% | 664 |
| Net loans and leases to deposits | 109.6833% | 71 |
| Net loans and leases to core deposits | 113.4791% | 196 |
| Total domestic deposits to total assets | 67.3982% | 4,682 |
| Equity capital to assets | 12.9013% | 707 |
| Core capital (leverage) ratio | 14.6494% | 486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $854,034,500 | 1,134 |
| Average earning assets | $767,911,000 | 1,171 |
| Average equity | $115,494,000 | 888 |
| Average total loans | $640,237,000 | 958 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5017% | 2,652 |
| Cost of funding earning assets | 0.6734% | 362 |
| Net interest margin | 2.8284% | 3,603 |
| Noninterest income to average assets | 1.9610% | 329 |
| Noninterest expense to average assets | 3.7598% | 365 |
| Loan and lease loss provision to assets | 0.4809% | 121 |
| Net operating income to assets | 0.2870% | 4,437 |
| Return on assets (ROA) | 0.2765% | 4,473 |
| Pretax return on assets | 0.2935% | 4,500 |
| Return on Equity (ROE) | 1.9797% | 4,500 |
| Retained earnings to average equity (ytd only) | 1.9797% | 3,984 |
| Net charge-offs to loans | 0.1085% | 811 |
| Credit loss provision to net charge-offs | 622.9032% | 706 |
| Earnings coverage of net charge-offs (x) | 10.1742% | 2,221 |
| Efficiency ratio | 82.5055% | 647 |
| Assets per employee ($millions) | 5.1149% | 3,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3874% | 1,961 |
| Loan loss allowance to noncurrent loans | 564.5545% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.2420% | 2,350 |
| Noncurrent loans to loans | 0.2458% | 2,746 |
| Net loans and leases to total assets | 73.8219% | 678 |
| Net loans and leases to deposits | 104.5587% | 126 |
| Net loans and leases to core deposits | 108.3000% | 314 |
| Total domestic deposits to total assets | 70.6033% | 4,673 |
| Equity capital to assets | 14.1915% | 631 |
| Core capital (leverage) ratio | 15.5857% | 402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $803,111,200 | 1,157 |
| Average earning assets | $733,781,200 | 1,174 |
| Average equity | $112,187,200 | 924 |
| Average total loans | $571,438,600 | 1,057 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3274% | 3,317 |
| Cost of funding earning assets | 0.7398% | 322 |
| Net interest margin | 2.5876% | 4,153 |
| Noninterest income to average assets | 2.1780% | 302 |
| Noninterest expense to average assets | 3.7845% | 346 |
| Loan and lease loss provision to assets | 0.3946% | 164 |
| Net operating income to assets | 0.3123% | 4,502 |
| Return on assets (ROA) | 0.3123% | 4,526 |
| Pretax return on assets | 0.3732% | 4,523 |
| Return on Equity (ROE) | 2.2446% | 4,557 |
| Retained earnings to average equity (ytd only) | 2.2446% | 4,124 |
| Net charge-offs to loans | 0.0731% | 919 |
| Credit loss provision to net charge-offs | 769.3811% | 604 |
| Earnings coverage of net charge-offs (x) | 14.9707% | 1,880 |
| Efficiency ratio | 82.9192% | 583 |
| Assets per employee ($millions) | 4.8249% | 3,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3121% | 2,429 |
| Loan loss allowance to noncurrent loans | 351.3836% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.2682% | 2,432 |
| Noncurrent loans to loans | 0.3734% | 2,442 |
| Net loans and leases to total assets | 70.8717% | 1,004 |
| Net loans and leases to deposits | 91.8192% | 505 |
| Net loans and leases to core deposits | 94.9259% | 792 |
| Total domestic deposits to total assets | 77.1862% | 4,481 |
| Equity capital to assets | 14.2565% | 681 |
| Core capital (leverage) ratio | 15.6988% | 419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $798,016,250 | 1,174 |
| Average earning assets | $732,245,750 | 1,188 |
| Average equity | $111,017,500 | 946 |
| Average total loans | $560,180,750 | 1,096 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1645% | 3,740 |
| Cost of funding earning assets | 0.8106% | 279 |
| Net interest margin | 2.3539% | 4,463 |
| Noninterest income to average assets | 2.5253% | 240 |
| Noninterest expense to average assets | 3.9195% | 308 |
| Loan and lease loss provision to assets | 0.3266% | 241 |
| Net operating income to assets | 0.3744% | 4,432 |
| Return on assets (ROA) | 0.3744% | 4,468 |
| Pretax return on assets | 0.4413% | 4,461 |
| Return on Equity (ROE) | 2.7129% | 4,523 |
| Retained earnings to average equity (ytd only) | 2.7129% | 3,936 |
| Net charge-offs to loans | 0.0472% | 1,162 |
| Credit loss provision to net charge-offs | 993.9394% | 479 |
| Earnings coverage of net charge-offs (x) | 23.3712% | 1,465 |
| Efficiency ratio | 83.4103% | 589 |
| Assets per employee ($millions) | 4.5742% | 4,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1892% | 2,998 |
| Loan loss allowance to noncurrent loans | 351.7615% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.2345% | 2,756 |
| Noncurrent loans to loans | 0.3381% | 2,697 |
| Net loans and leases to total assets | 68.5400% | 1,380 |
| Net loans and leases to deposits | 88.7546% | 735 |
| Net loans and leases to core deposits | 92.2710% | 991 |
| Total domestic deposits to total assets | 77.2242% | 4,499 |
| Equity capital to assets | 14.1659% | 685 |
| Core capital (leverage) ratio | 15.2964% | 440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $803,476,333 | 1,152 |
| Average earning assets | $738,008,000 | 1,165 |
| Average equity | $110,878,667 | 933 |
| Average total loans | $559,799,667 | 1,096 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0105% | 4,059 |
| Cost of funding earning assets | 0.8644% | 264 |
| Net interest margin | 2.1461% | 4,656 |
| Noninterest income to average assets | 3.5273% | 169 |
| Noninterest expense to average assets | 4.1437% | 257 |
| Loan and lease loss provision to assets | 0.5233% | 122 |
| Net operating income to assets | 0.6952% | 3,720 |
| Return on assets (ROA) | 0.6952% | 3,782 |
| Pretax return on assets | 0.8347% | 3,753 |
| Return on Equity (ROE) | 5.1035% | 4,073 |
| Retained earnings to average equity (ytd only) | 5.1035% | 3,194 |
| Net charge-offs to loans | 0.0303% | 1,182 |
| Credit loss provision to net charge-offs | 2,469.7674% | 217 |
| Earnings coverage of net charge-offs (x) | 64.0930% | 793 |
| Efficiency ratio | 75.1478% | 1,208 |
| Assets per employee ($millions) | 4.9652% | 3,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1052% | 3,408 |
| Loan loss allowance to noncurrent loans | 385.9146% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.1978% | 3,173 |
| Noncurrent loans to loans | 0.2864% | 3,076 |
| Net loans and leases to total assets | 68.2999% | 1,492 |
| Net loans and leases to deposits | 87.1016% | 883 |
| Net loans and leases to core deposits | 90.8369% | 1,177 |
| Total domestic deposits to total assets | 78.4141% | 4,391 |
| Equity capital to assets | 13.3660% | 818 |
| Core capital (leverage) ratio | 15.2413% | 445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $811,830,500 | 1,125 |
| Average earning assets | $746,854,000 | 1,145 |
| Average equity | $110,591,500 | 925 |
| Average total loans | $566,829,000 | 1,091 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4098% | 4,178 |
| Cost of funding earning assets | 1.3301% | 161 |
| Net interest margin | 2.0797% | 4,806 |
| Noninterest income to average assets | 3.8139% | 143 |
| Noninterest expense to average assets | 4.2586% | 297 |
| Loan and lease loss provision to assets | 0.2639% | 1,465 |
| Net operating income to assets | 0.8902% | 2,737 |
| Return on assets (ROA) | 0.9065% | 2,803 |
| Pretax return on assets | 1.2195% | 2,262 |
| Return on Equity (ROE) | 6.6924% | 3,333 |
| Retained earnings to average equity (ytd only) | 6.6924% | 1,512 |
| Net charge-offs to loans | 0.0539% | 2,015 |
| Credit loss provision to net charge-offs | 674.1935% | 1,017 |
| Earnings coverage of net charge-offs (x) | 37.3710% | 1,439 |
| Efficiency ratio | 74.2601% | 1,411 |
| Assets per employee ($millions) | 4.8741% | 3,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9465% | 4,053 |
| Loan loss allowance to noncurrent loans | 272.4474% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.2453% | 3,059 |
| Noncurrent loans to loans | 0.3474% | 2,956 |
| Net loans and leases to total assets | 69.9437% | 1,569 |
| Net loans and leases to deposits | 90.5538% | 882 |
| Net loans and leases to core deposits | 94.8362% | 1,192 |
| Total domestic deposits to total assets | 77.2400% | 4,387 |
| Equity capital to assets | 13.8902% | 822 |
| Core capital (leverage) ratio | 14.7764% | 542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $791,947,600 | 1,070 |
| Average earning assets | $726,404,200 | 1,068 |
| Average equity | $107,270,200 | 909 |
| Average total loans | $574,883,400 | 1,017 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4770% | 4,248 |
| Cost of funding earning assets | 1.3330% | 210 |
| Net interest margin | 2.1440% | 4,835 |
| Noninterest income to average assets | 3.8032% | 139 |
| Noninterest expense to average assets | 4.2537% | 306 |
| Loan and lease loss provision to assets | 0.2455% | 1,651 |
| Net operating income to assets | 0.9500% | 2,523 |
| Return on assets (ROA) | 0.9510% | 2,653 |
| Pretax return on assets | 1.2709% | 2,154 |
| Return on Equity (ROE) | 7.0659% | 3,169 |
| Retained earnings to average equity (ytd only) | 7.0659% | 1,660 |
| Net charge-offs to loans | 0.0563% | 1,806 |
| Credit loss provision to net charge-offs | 597.1311% | 1,167 |
| Earnings coverage of net charge-offs (x) | 36.8566% | 1,421 |
| Efficiency ratio | 73.5652% | 1,454 |
| Assets per employee ($millions) | 4.9794% | 3,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8747% | 4,143 |
| Loan loss allowance to noncurrent loans | 249.3691% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.2358% | 3,264 |
| Noncurrent loans to loans | 0.3508% | 3,028 |
| Net loans and leases to total assets | 66.6352% | 2,435 |
| Net loans and leases to deposits | 90.5778% | 1,217 |
| Net loans and leases to core deposits | 95.5768% | 1,494 |
| Total domestic deposits to total assets | 73.5668% | 4,600 |
| Equity capital to assets | 13.6169% | 968 |
| Core capital (leverage) ratio | 14.9157% | 558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $791,314,500 | 1,053 |
| Average earning assets | $725,539,500 | 1,055 |
| Average equity | $106,499,000 | 909 |
| Average total loans | $578,354,500 | 1,005 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6498% | 4,174 |
| Cost of funding earning assets | 1.4019% | 226 |
| Net interest margin | 2.2480% | 4,858 |
| Noninterest income to average assets | 3.3190% | 145 |
| Noninterest expense to average assets | 4.1310% | 355 |
| Loan and lease loss provision to assets | 0.2412% | 1,743 |
| Net operating income to assets | 0.7546% | 3,206 |
| Return on assets (ROA) | 0.7560% | 3,316 |
| Pretax return on assets | 1.0087% | 2,996 |
| Return on Equity (ROE) | 5.6403% | 3,617 |
| Retained earnings to average equity (ytd only) | 5.6403% | 2,215 |
| Net charge-offs to loans | 0.0403% | 1,939 |
| Credit loss provision to net charge-offs | 796.6387% | 922 |
| Earnings coverage of net charge-offs (x) | 41.2269% | 1,227 |
| Efficiency ratio | 76.6139% | 1,208 |
| Assets per employee ($millions) | 4.9879% | 3,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7742% | 4,401 |
| Loan loss allowance to noncurrent loans | 238.8493% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.2301% | 3,404 |
| Noncurrent loans to loans | 0.3241% | 3,228 |
| Net loans and leases to total assets | 70.4484% | 1,964 |
| Net loans and leases to deposits | 96.0310% | 793 |
| Net loans and leases to core deposits | 101.8687% | 1,121 |
| Total domestic deposits to total assets | 73.3601% | 4,633 |
| Equity capital to assets | 13.5268% | 977 |
| Core capital (leverage) ratio | 15.0856% | 562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $786,198,000 | 1,044 |
| Average earning assets | $720,473,333 | 1,044 |
| Average equity | $105,384,333 | 912 |
| Average total loans | $590,384,333 | 972 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8851% | 4,063 |
| Cost of funding earning assets | 1.5028% | 266 |
| Net interest margin | 2.3823% | 4,884 |
| Noninterest income to average assets | 2.5561% | 190 |
| Noninterest expense to average assets | 3.5807% | 834 |
| Loan and lease loss provision to assets | 0.2432% | 1,277 |
| Net operating income to assets | 0.6666% | 3,379 |
| Return on assets (ROA) | 0.6694% | 3,440 |
| Pretax return on assets | 0.9157% | 3,094 |
| Return on Equity (ROE) | 5.0174% | 3,623 |
| Retained earnings to average equity (ytd only) | 5.0174% | 2,270 |
| Net charge-offs to loans | 0.0430% | 1,600 |
| Credit loss provision to net charge-offs | 732.3077% | 705 |
| Earnings coverage of net charge-offs (x) | 34.7846% | 1,096 |
| Efficiency ratio | 75.3884% | 1,635 |
| Assets per employee ($millions) | 5.0585% | 2,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6600% | 4,669 |
| Loan loss allowance to noncurrent loans | 217.5497% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.2341% | 3,525 |
| Noncurrent loans to loans | 0.3034% | 3,413 |
| Net loans and leases to total assets | 76.6626% | 1,191 |
| Net loans and leases to deposits | 107.1602% | 258 |
| Net loans and leases to core deposits | 114.1493% | 658 |
| Total domestic deposits to total assets | 71.5402% | 4,790 |
| Equity capital to assets | 13.6427% | 1,164 |
| Core capital (leverage) ratio | 14.9624% | 694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $782,758,500 | 1,022 |
| Average earning assets | $716,273,000 | 1,016 |
| Average equity | $104,437,500 | 916 |
| Average total loans | $604,042,000 | 938 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8470% | 4,510 |
| Cost of funding earning assets | 1.5690% | 331 |
| Net interest margin | 2.2779% | 5,042 |
| Noninterest income to average assets | 1.6197% | 357 |
| Noninterest expense to average assets | 3.8302% | 642 |
| Loan and lease loss provision to assets | 0.0638% | 2,759 |
| Net operating income to assets | -0.1475% | 5,013 |
| Return on assets (ROA) | -0.1475% | 5,022 |
| Pretax return on assets | -0.1871% | 5,018 |
| Return on Equity (ROE) | -1.1539% | 5,021 |
| Retained earnings to average equity (ytd only) | -1.1539% | 4,820 |
| Net charge-offs to loans | 0.0024% | 3,607 |
| Credit loss provision to net charge-offs | 3,460.0000% | 124 |
| Earnings coverage of net charge-offs (x) | -66.9333% | 3,714 |
| Efficiency ratio | 103.0685% | 136 |
| Assets per employee ($millions) | 5.3125% | 2,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5779% | 4,778 |
| Loan loss allowance to noncurrent loans | 181.6778% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.2474% | 3,453 |
| Noncurrent loans to loans | 0.3181% | 3,297 |
| Net loans and leases to total assets | 76.7189% | 1,296 |
| Net loans and leases to deposits | 111.3262% | 164 |
| Net loans and leases to core deposits | 118.4735% | 521 |
| Total domestic deposits to total assets | 68.9136% | 4,971 |
| Equity capital to assets | 13.0485% | 1,488 |
| Core capital (leverage) ratio | 14.2193% | 873 |
| Tier 1 risk-based capital ratio | 27.4678% | 593 |
| Total risk-based capital ratio | 28.3343% | 600 |
| Memoranda: | ||
| Average total assets | $814,109,600 | 962 |
| Average earning assets | $745,941,400 | 964 |
| Average equity | $104,079,800 | 874 |
| Average total loans | $617,928,000 | 892 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8253% | 4,641 |
| Cost of funding earning assets | 1.5639% | 336 |
| Net interest margin | 2.2615% | 5,136 |
| Noninterest income to average assets | 1.3144% | 541 |
| Noninterest expense to average assets | 3.6850% | 763 |
| Loan and lease loss provision to assets | 0.0527% | 2,854 |
| Net operating income to assets | -0.2611% | 5,112 |
| Return on assets (ROA) | -0.2611% | 5,120 |
| Pretax return on assets | -0.3507% | 5,122 |
| Return on Equity (ROE) | -2.0522% | 5,120 |
| Retained earnings to average equity (ytd only) | -2.0522% | 4,930 |
| Net charge-offs to loans | 0.0013% | 3,408 |
| Credit loss provision to net charge-offs | 5,400.0000% | 75 |
| Earnings coverage of net charge-offs (x) | -305.3263% | 3,450 |
| Efficiency ratio | 108.5190% | 110 |
| Assets per employee ($millions) | 5.1525% | 2,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5353% | 4,921 |
| Loan loss allowance to noncurrent loans | 251.8072% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.1621% | 3,932 |
| Noncurrent loans to loans | 0.2126% | 3,776 |
| Net loans and leases to total assets | 75.8424% | 1,513 |
| Net loans and leases to deposits | 110.5701% | 211 |
| Net loans and leases to core deposits | 117.2791% | 617 |
| Total domestic deposits to total assets | 68.5921% | 5,047 |
| Equity capital to assets | 12.8444% | 1,711 |
| Core capital (leverage) ratio | 13.9788% | 990 |
| Tier 1 risk-based capital ratio | 27.1033% | 633 |
| Total risk-based capital ratio | 27.9140% | 653 |
| Memoranda: | ||
| Average total assets | $819,745,750 | 957 |
| Average earning assets | $751,289,000 | 959 |
| Average equity | $104,278,000 | 868 |
| Average total loans | $619,707,500 | 890 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7930% | 4,716 |
| Cost of funding earning assets | 1.5569% | 314 |
| Net interest margin | 2.2361% | 5,202 |
| Noninterest income to average assets | 1.1960% | 595 |
| Noninterest expense to average assets | 3.6714% | 778 |
| Loan and lease loss provision to assets | 0.0139% | 3,496 |
| Net operating income to assets | -0.3293% | 5,171 |
| Return on assets (ROA) | -0.3293% | 5,176 |
| Pretax return on assets | -0.4422% | 5,187 |
| Return on Equity (ROE) | -2.5971% | 5,178 |
| Retained earnings to average equity (ytd only) | -2.5971% | 4,952 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.9146% | 92 |
| Assets per employee ($millions) | 4.6431% | 2,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5010% | 5,013 |
| Loan loss allowance to noncurrent loans | 452.7166% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.0838% | 4,345 |
| Noncurrent loans to loans | 0.1107% | 4,177 |
| Net loans and leases to total assets | 75.3572% | 1,654 |
| Net loans and leases to deposits | 113.3728% | 156 |
| Net loans and leases to core deposits | 120.3193% | 535 |
| Total domestic deposits to total assets | 66.4685% | 5,139 |
| Equity capital to assets | 12.8483% | 1,662 |
| Core capital (leverage) ratio | 13.9541% | 980 |
| Tier 1 risk-based capital ratio | 27.0566% | 616 |
| Total risk-based capital ratio | 27.8010% | 646 |
| Memoranda: | ||
| Average total assets | $819,910,000 | 954 |
| Average earning assets | $750,594,000 | 962 |
| Average equity | $103,961,330 | 862 |
| Average total loans | $618,048,330 | 895 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7524% | 4,776 |
| Cost of funding earning assets | 1.5466% | 276 |
| Net interest margin | 2.2059% | 5,274 |
| Noninterest income to average assets | 1.1690% | 594 |
| Noninterest expense to average assets | 3.3502% | 1,199 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.1122% | 5,182 |
| Return on assets (ROA) | -0.1122% | 5,182 |
| Pretax return on assets | -0.1646% | 5,190 |
| Return on Equity (ROE) | -0.8907% | 5,182 |
| Retained earnings to average equity (ytd only) | -0.8907% | 4,638 |
| Net charge-offs to loans | 0.0155% | 2,170 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | -14.1250% | 2,723 |
| Efficiency ratio | 104.8788% | 132 |
| Assets per employee ($millions) | 4.4942% | 3,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4816% | 5,100 |
| Loan loss allowance to noncurrent loans | 337.6828% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.1075% | 4,267 |
| Noncurrent loans to loans | 0.1426% | 4,103 |
| Net loans and leases to total assets | 75.0224% | 1,636 |
| Net loans and leases to deposits | 115.6673% | 131 |
| Net loans and leases to core deposits | 122.1257% | 477 |
| Total domestic deposits to total assets | 64.8605% | 5,221 |
| Equity capital to assets | 12.5418% | 1,713 |
| Core capital (leverage) ratio | 14.1083% | 920 |
| Tier 1 risk-based capital ratio | 26.6973% | 640 |
| Total risk-based capital ratio | 27.4075% | 661 |
| Memoranda: | ||
| Average total assets | $823,596,500 | 956 |
| Average earning assets | $752,898,000 | 957 |
| Average equity | $103,743,500 | 859 |
| Average total loans | $619,378,500 | 897 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3027% | 5,082 |
| Cost of funding earning assets | 1.1974% | 352 |
| Net interest margin | 2.1053% | 5,324 |
| Noninterest income to average assets | 1.3369% | 514 |
| Noninterest expense to average assets | 3.1856% | 1,589 |
| Loan and lease loss provision to assets | 0.0745% | 2,641 |
| Net operating income to assets | 0.0133% | 5,228 |
| Return on assets (ROA) | 0.0133% | 5,226 |
| Pretax return on assets | -0.0051% | 5,229 |
| Return on Equity (ROE) | 0.0909% | 5,227 |
| Retained earnings to average equity (ytd only) | 0.0909% | 4,961 |
| Net charge-offs to loans | 0.0223% | 2,974 |
| Credit loss provision to net charge-offs | 455.9055% | 749 |
| Earnings coverage of net charge-offs (x) | 4.2441% | 3,316 |
| Efficiency ratio | 97.5599% | 181 |
| Assets per employee ($millions) | 4.3334% | 3,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4859% | 5,136 |
| Loan loss allowance to noncurrent loans | 419.6949% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.0867% | 4,385 |
| Noncurrent loans to loans | 0.1158% | 4,204 |
| Net loans and leases to total assets | 74.4820% | 1,847 |
| Net loans and leases to deposits | 119.5289% | 100 |
| Net loans and leases to core deposits | 126.2614% | 391 |
| Total domestic deposits to total assets | 62.3130% | 5,299 |
| Equity capital to assets | 13.6260% | 1,095 |
| Core capital (leverage) ratio | 15.0173% | 689 |
| Tier 1 risk-based capital ratio | 27.7524% | 578 |
| Total risk-based capital ratio | 28.4617% | 593 |
| Memoranda: | ||
| Average total assets | $776,848,800 | 970 |
| Average earning assets | $707,724,800 | 976 |
| Average equity | $113,368,000 | 753 |
| Average total loans | $568,564,200 | 939 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2572% | 5,164 |
| Cost of funding earning assets | 1.1170% | 366 |
| Net interest margin | 2.1401% | 5,390 |
| Noninterest income to average assets | 1.4546% | 444 |
| Noninterest expense to average assets | 3.2498% | 1,410 |
| Loan and lease loss provision to assets | 0.0566% | 2,842 |
| Net operating income to assets | 0.0795% | 5,265 |
| Return on assets (ROA) | 0.0795% | 5,258 |
| Pretax return on assets | 0.0996% | 5,253 |
| Return on Equity (ROE) | 0.5351% | 5,266 |
| Retained earnings to average equity (ytd only) | 0.5351% | 4,946 |
| Net charge-offs to loans | 0.0151% | 2,882 |
| Credit loss provision to net charge-offs | 514.2857% | 686 |
| Earnings coverage of net charge-offs (x) | 14.1901% | 2,300 |
| Efficiency ratio | 95.1162% | 217 |
| Assets per employee ($millions) | 3.9307% | 3,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4790% | 5,212 |
| Loan loss allowance to noncurrent loans | 254.1219% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.1691% | 4,106 |
| Noncurrent loans to loans | 0.1885% | 4,040 |
| Net loans and leases to total assets | 73.8467% | 2,009 |
| Net loans and leases to deposits | 113.0712% | 204 |
| Net loans and leases to core deposits | 119.1534% | 603 |
| Total domestic deposits to total assets | 65.3099% | 5,335 |
| Equity capital to assets | 14.1866% | 903 |
| Core capital (leverage) ratio | 15.2674% | 640 |
| Tier 1 risk-based capital ratio | 29.3303% | 507 |
| Total risk-based capital ratio | 30.0375% | 519 |
| Memoranda: | ||
| Average total assets | $763,057,500 | 983 |
| Average earning assets | $695,759,250 | 992 |
| Average equity | $113,367,500 | 753 |
| Average total loans | $555,023,500 | 951 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1851% | 5,240 |
| Cost of funding earning assets | 1.0282% | 410 |
| Net interest margin | 2.1568% | 5,449 |
| Noninterest income to average assets | 1.5046% | 427 |
| Noninterest expense to average assets | 3.2668% | 1,395 |
| Loan and lease loss provision to assets | 0.0452% | 2,998 |
| Net operating income to assets | 0.1283% | 5,272 |
| Return on assets (ROA) | 0.1283% | 5,265 |
| Pretax return on assets | 0.1605% | 5,264 |
| Return on Equity (ROE) | 0.8499% | 5,286 |
| Retained earnings to average equity (ytd only) | 0.8499% | 4,793 |
| Net charge-offs to loans | 0.0225% | 2,427 |
| Credit loss provision to net charge-offs | 278.6885% | 1,066 |
| Earnings coverage of net charge-offs (x) | 12.6721% | 2,189 |
| Efficiency ratio | 93.7763% | 267 |
| Assets per employee ($millions) | 4.0031% | 3,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4675% | 5,300 |
| Loan loss allowance to noncurrent loans | 280.7531% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.1514% | 4,233 |
| Noncurrent loans to loans | 0.1665% | 4,159 |
| Net loans and leases to total assets | 72.8231% | 2,145 |
| Net loans and leases to deposits | 109.7939% | 287 |
| Net loans and leases to core deposits | 115.2675% | 732 |
| Total domestic deposits to total assets | 66.3271% | 5,381 |
| Equity capital to assets | 14.4310% | 824 |
| Core capital (leverage) ratio | 15.8348% | 527 |
| Tier 1 risk-based capital ratio | 30.3140% | 463 |
| Total risk-based capital ratio | 31.0070% | 478 |
| Memoranda: | ||
| Average total assets | $751,432,000 | 1,000 |
| Average earning assets | $685,635,670 | 1,008 |
| Average equity | $113,423,330 | 751 |
| Average total loans | $542,670,000 | 968 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1547% | 5,271 |
| Cost of funding earning assets | 0.9505% | 468 |
| Net interest margin | 2.2043% | 5,503 |
| Noninterest income to average assets | 1.3859% | 480 |
| Noninterest expense to average assets | 3.4190% | 1,132 |
| Loan and lease loss provision to assets | 0.0327% | 3,069 |
| Net operating income to assets | -0.0299% | 5,400 |
| Return on assets (ROA) | -0.0299% | 5,396 |
| Pretax return on assets | -0.0523% | 5,403 |
| Return on Equity (ROE) | -0.1938% | 5,393 |
| Retained earnings to average equity (ytd only) | -0.1938% | 4,821 |
| Net charge-offs to loans | 0.0273% | 1,951 |
| Credit loss provision to net charge-offs | 166.6667% | 1,159 |
| Earnings coverage of net charge-offs (x) | -1.0000% | 2,673 |
| Efficiency ratio | 100.2722% | 173 |
| Assets per employee ($millions) | 3.8756% | 4,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4831% | 5,353 |
| Loan loss allowance to noncurrent loans | 261.8952% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.1348% | 4,419 |
| Noncurrent loans to loans | 0.1845% | 4,133 |
| Net loans and leases to total assets | 71.9167% | 2,183 |
| Net loans and leases to deposits | 104.6419% | 449 |
| Net loans and leases to core deposits | 109.3438% | 1,041 |
| Total domestic deposits to total assets | 68.7265% | 5,396 |
| Equity capital to assets | 15.1409% | 639 |
| Core capital (leverage) ratio | 16.5627% | 426 |
| Tier 1 risk-based capital ratio | 32.1324% | 400 |
| Total risk-based capital ratio | 32.8473% | 411 |
| Memoranda: | ||
| Average total assets | $734,844,500 | 1,023 |
| Average earning assets | $671,246,000 | 1,036 |
| Average equity | $113,521,500 | 753 |
| Average total loans | $526,975,500 | 996 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0296% | 5,337 |
| Cost of funding earning assets | 0.8183% | 562 |
| Net interest margin | 2.2113% | 5,532 |
| Noninterest income to average assets | 1.5604% | 432 |
| Noninterest expense to average assets | 3.4849% | 1,062 |
| Loan and lease loss provision to assets | 0.1385% | 1,653 |
| Net operating income to assets | 0.1221% | 5,230 |
| Return on assets (ROA) | 0.1906% | 5,145 |
| Pretax return on assets | 0.0403% | 5,415 |
| Return on Equity (ROE) | 1.1914% | 5,207 |
| Retained earnings to average equity (ytd only) | 1.1914% | 4,549 |
| Net charge-offs to loans | 0.0054% | 3,897 |
| Credit loss provision to net charge-offs | 3,629.6296% | 113 |
| Earnings coverage of net charge-offs (x) | 28.8889% | 1,587 |
| Efficiency ratio | 96.6279% | 240 |
| Assets per employee ($millions) | 3.7594% | 4,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4986% | 5,386 |
| Loan loss allowance to noncurrent loans | 156.6646% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 0.2802% | 3,771 |
| Noncurrent loans to loans | 0.3183% | 3,639 |
| Net loans and leases to total assets | 70.7903% | 2,397 |
| Net loans and leases to deposits | 103.6284% | 508 |
| Net loans and leases to core deposits | 108.0809% | 1,126 |
| Total domestic deposits to total assets | 68.3117% | 5,460 |
| Equity capital to assets | 15.7637% | 544 |
| Core capital (leverage) ratio | 16.7797% | 383 |
| Tier 1 risk-based capital ratio | 33.6716% | 353 |
| Total risk-based capital ratio | 34.4129% | 359 |
| Memoranda: | ||
| Average total assets | $707,746,400 | 1,033 |
| Average earning assets | $651,198,000 | 1,034 |
| Average equity | $113,231,600 | 726 |
| Average total loans | $499,639,600 | 1,024 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0198% | 5,395 |
| Cost of funding earning assets | 0.7912% | 606 |
| Net interest margin | 2.2286% | 5,595 |
| Noninterest income to average assets | 1.5724% | 439 |
| Noninterest expense to average assets | 3.5518% | 917 |
| Loan and lease loss provision to assets | 0.1747% | 1,152 |
| Net operating income to assets | -0.0515% | 5,535 |
| Return on assets (ROA) | 0.0074% | 5,514 |
| Pretax return on assets | -0.0051% | 5,513 |
| Return on Equity (ROE) | 0.0461% | 5,516 |
| Retained earnings to average equity (ytd only) | 0.0461% | 5,197 |
| Net charge-offs to loans | 0.0024% | 3,667 |
| Credit loss provision to net charge-offs | 10,222.2222% | 47 |
| Earnings coverage of net charge-offs (x) | 45.3325% | 1,193 |
| Efficiency ratio | 97.5623% | 211 |
| Assets per employee ($millions) | 3.6577% | 4,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4996% | 5,468 |
| Loan loss allowance to noncurrent loans | 110.6597% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 0.3835% | 3,495 |
| Noncurrent loans to loans | 0.4514% | 3,348 |
| Net loans and leases to total assets | 70.7363% | 2,453 |
| Net loans and leases to deposits | 101.9910% | 618 |
| Net loans and leases to core deposits | 106.2017% | 1,258 |
| Total domestic deposits to total assets | 69.3555% | 5,496 |
| Equity capital to assets | 15.7814% | 582 |
| Core capital (leverage) ratio | 17.1316% | 372 |
| Tier 1 risk-based capital ratio | 34.7573% | 327 |
| Total risk-based capital ratio | 35.5101% | 341 |
| Memoranda: | ||
| Average total assets | $702,270,000 | 1,047 |
| Average earning assets | $648,152,000 | 1,043 |
| Average equity | $112,722,500 | 733 |
| Average total loans | $495,497,500 | 1,039 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0056% | 5,432 |
| Cost of funding earning assets | 0.7685% | 622 |
| Net interest margin | 2.2371% | 5,637 |
| Noninterest income to average assets | 1.4881% | 490 |
| Noninterest expense to average assets | 3.5702% | 906 |
| Loan and lease loss provision to assets | 0.2462% | 681 |
| Net operating income to assets | -0.1536% | 5,602 |
| Return on assets (ROA) | -0.0647% | 5,578 |
| Pretax return on assets | -0.1245% | 5,587 |
| Return on Equity (ROE) | -0.4008% | 5,572 |
| Retained earnings to average equity (ytd only) | -0.4008% | 5,147 |
| Net charge-offs to loans | 0.0033% | 3,377 |
| Credit loss provision to net charge-offs | 10,750.0000% | 32 |
| Earnings coverage of net charge-offs (x) | -7.5000% | 3,472 |
| Efficiency ratio | 100.1692% | 185 |
| Assets per employee ($millions) | 3.3842% | 4,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4872% | 5,532 |
| Loan loss allowance to noncurrent loans | 100.3244% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 0.3590% | 3,685 |
| Noncurrent loans to loans | 0.4857% | 3,292 |
| Net loans and leases to total assets | 73.5510% | 1,951 |
| Net loans and leases to deposits | 104.2415% | 483 |
| Net loans and leases to core deposits | 107.9658% | 1,109 |
| Total domestic deposits to total assets | 70.5582% | 5,519 |
| Equity capital to assets | 16.4076% | 485 |
| Core capital (leverage) ratio | 17.3007% | 345 |
| Tier 1 risk-based capital ratio | 35.9765% | 283 |
| Total risk-based capital ratio | 36.7398% | 287 |
| Memoranda: | ||
| Average total assets | $698,612,330 | 1,050 |
| Average earning assets | $644,861,670 | 1,047 |
| Average equity | $112,776,670 | 730 |
| Average total loans | $491,645,000 | 1,045 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9481% | 5,508 |
| Cost of funding earning assets | 0.7347% | 708 |
| Net interest margin | 2.2134% | 5,697 |
| Noninterest income to average assets | 1.1028% | 817 |
| Noninterest expense to average assets | 3.3383% | 1,316 |
| Loan and lease loss provision to assets | 0.0568% | 2,674 |
| Net operating income to assets | -0.1455% | 5,665 |
| Return on assets (ROA) | -0.0568% | 5,638 |
| Pretax return on assets | -0.1079% | 5,645 |
| Return on Equity (ROE) | -0.3546% | 5,632 |
| Retained earnings to average equity (ytd only) | -0.3546% | 4,975 |
| Net charge-offs to loans | 0.0165% | 2,460 |
| Credit loss provision to net charge-offs | 500.0000% | 560 |
| Earnings coverage of net charge-offs (x) | -16.7000% | 2,925 |
| Efficiency ratio | 105.6808% | 165 |
| Assets per employee ($millions) | 3.4032% | 4,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3476% | 5,723 |
| Loan loss allowance to noncurrent loans | 111.0894% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 0.2368% | 4,277 |
| Noncurrent loans to loans | 0.3129% | 4,002 |
| Net loans and leases to total assets | 70.3317% | 2,316 |
| Net loans and leases to deposits | 100.1573% | 606 |
| Net loans and leases to core deposits | 103.4863% | 1,252 |
| Total domestic deposits to total assets | 70.2212% | 5,621 |
| Equity capital to assets | 16.2368% | 457 |
| Core capital (leverage) ratio | 17.5734% | 316 |
| Tier 1 risk-based capital ratio | 36.6492% | 282 |
| Total risk-based capital ratio | 37.1915% | 297 |
| Memoranda: | ||
| Average total assets | $704,420,000 | 1,045 |
| Average earning assets | $651,136,500 | 1,043 |
| Average equity | $112,805,000 | 731 |
| Average total loans | $483,584,000 | 1,054 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9082% | 5,572 |
| Cost of funding earning assets | 0.7456% | 647 |
| Net interest margin | 2.1626% | 5,769 |
| Noninterest income to average assets | 2.7139% | 231 |
| Noninterest expense to average assets | 4.1367% | 509 |
| Loan and lease loss provision to assets | 0.0408% | 3,564 |
| Net operating income to assets | 0.3443% | 5,097 |
| Return on assets (ROA) | 0.3488% | 5,170 |
| Pretax return on assets | 0.5430% | 4,939 |
| Return on Equity (ROE) | 2.3222% | 5,327 |
| Retained earnings to average equity (ytd only) | 2.3222% | 4,207 |
| Net charge-offs to loans | 0.0190% | 3,678 |
| Credit loss provision to net charge-offs | 304.8780% | 970 |
| Earnings coverage of net charge-offs (x) | 43.0610% | 1,120 |
| Efficiency ratio | 87.5815% | 711 |
| Assets per employee ($millions) | 3.6274% | 4,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3399% | 5,778 |
| Loan loss allowance to noncurrent loans | 111.4011% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 0.2123% | 4,462 |
| Noncurrent loans to loans | 0.3051% | 4,045 |
| Net loans and leases to total assets | 66.5508% | 2,996 |
| Net loans and leases to deposits | 97.7389% | 849 |
| Net loans and leases to core deposits | 101.3920% | 1,496 |
| Total domestic deposits to total assets | 68.0904% | 5,715 |
| Equity capital to assets | 15.7973% | 521 |
| Core capital (leverage) ratio | 17.2064% | 345 |
| Tier 1 risk-based capital ratio | 35.3911% | 307 |
| Total risk-based capital ratio | 35.8902% | 328 |
| Memoranda: | ||
| Average total assets | $612,103,800 | 1,148 |
| Average earning assets | $565,978,800 | 1,146 |
| Average equity | $91,939,000 | 872 |
| Average total loans | $431,449,600 | 1,136 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9408% | 5,618 |
| Cost of funding earning assets | 0.7451% | 652 |
| Net interest margin | 2.1957% | 5,818 |
| Noninterest income to average assets | 2.9027% | 217 |
| Noninterest expense to average assets | 4.2130% | 480 |
| Loan and lease loss provision to assets | 0.0568% | 3,104 |
| Net operating income to assets | 0.4179% | 4,966 |
| Return on assets (ROA) | 0.4241% | 5,038 |
| Pretax return on assets | 0.6728% | 4,683 |
| Return on Equity (ROE) | 2.8596% | 5,255 |
| Retained earnings to average equity (ytd only) | 2.8596% | 4,185 |
| Net charge-offs to loans | 0.0136% | 3,472 |
| Credit loss provision to net charge-offs | 581.3953% | 627 |
| Earnings coverage of net charge-offs (x) | 73.6536% | 833 |
| Efficiency ratio | 85.2601% | 877 |
| Assets per employee ($millions) | 3.5932% | 4,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3594% | 5,824 |
| Loan loss allowance to noncurrent loans | 59.9206% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 0.4059% | 3,802 |
| Noncurrent loans to loans | 0.5997% | 3,214 |
| Net loans and leases to total assets | 66.7568% | 2,992 |
| Net loans and leases to deposits | 95.9771% | 1,050 |
| Net loans and leases to core deposits | 99.2935% | 1,702 |
| Total domestic deposits to total assets | 69.5549% | 5,721 |
| Equity capital to assets | 16.7005% | 460 |
| Core capital (leverage) ratio | 17.9991% | 304 |
| Tier 1 risk-based capital ratio | 36.3331% | 310 |
| Total risk-based capital ratio | 36.8592% | 317 |
| Memoranda: | ||
| Average total assets | $586,617,500 | 1,192 |
| Average earning assets | $542,371,500 | 1,186 |
| Average equity | $87,002,500 | 915 |
| Average total loans | $420,014,000 | 1,164 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0472% | 5,603 |
| Cost of funding earning assets | 0.7436% | 654 |
| Net interest margin | 2.3036% | 5,859 |
| Noninterest income to average assets | 2.9523% | 209 |
| Noninterest expense to average assets | 4.2747% | 457 |
| Loan and lease loss provision to assets | 0.0543% | 3,063 |
| Net operating income to assets | 0.4736% | 4,787 |
| Return on assets (ROA) | 0.4835% | 4,846 |
| Pretax return on assets | 0.7686% | 4,398 |
| Return on Equity (ROE) | 3.4430% | 5,114 |
| Retained earnings to average equity (ytd only) | 3.4430% | 3,702 |
| Net charge-offs to loans | 0.0202% | 3,087 |
| Credit loss provision to net charge-offs | 365.8537% | 830 |
| Earnings coverage of net charge-offs (x) | 54.3659% | 938 |
| Efficiency ratio | 84.0211% | 1,047 |
| Assets per employee ($millions) | 3.6347% | 4,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3527% | 5,913 |
| Loan loss allowance to noncurrent loans | 98.4257% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 0.2387% | 4,543 |
| Noncurrent loans to loans | 0.3583% | 4,085 |
| Net loans and leases to total assets | 66.3902% | 3,028 |
| Net loans and leases to deposits | 93.2486% | 1,371 |
| Net loans and leases to core deposits | 96.4238% | 1,942 |
| Total domestic deposits to total assets | 71.1970% | 5,715 |
| Equity capital to assets | 17.1887% | 406 |
| Core capital (leverage) ratio | 19.2877% | 217 |
| Tier 1 risk-based capital ratio | 38.5614% | 254 |
| Total risk-based capital ratio | 39.0909% | 267 |
| Memoranda: | ||
| Average total assets | $552,177,670 | 1,263 |
| Average earning assets | $510,503,670 | 1,263 |
| Average equity | $77,547,670 | 1,028 |
| Average total loans | $405,947,670 | 1,195 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2082% | 5,475 |
| Cost of funding earning assets | 0.7550% | 619 |
| Net interest margin | 2.4532% | 5,842 |
| Noninterest income to average assets | 3.7039% | 169 |
| Noninterest expense to average assets | 4.3027% | 453 |
| Loan and lease loss provision to assets | 0.1210% | 1,746 |
| Net operating income to assets | 0.9433% | 2,541 |
| Return on assets (ROA) | 0.9433% | 2,656 |
| Pretax return on assets | 1.5324% | 1,499 |
| Return on Equity (ROE) | 7.9045% | 2,970 |
| Retained earnings to average equity (ytd only) | 7.9045% | 1,499 |
| Net charge-offs to loans | 0.0114% | 2,747 |
| Credit loss provision to net charge-offs | 1,363.6364% | 303 |
| Earnings coverage of net charge-offs (x) | 186.2727% | 325 |
| Efficiency ratio | 72.2395% | 2,764 |
| Assets per employee ($millions) | 3.1500% | 5,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4018% | 5,950 |
| Loan loss allowance to noncurrent loans | 112.5795% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 0.3198% | 4,290 |
| Noncurrent loans to loans | 0.3569% | 4,152 |
| Net loans and leases to total assets | 78.3438% | 1,056 |
| Net loans and leases to deposits | 114.4056% | 144 |
| Net loans and leases to core deposits | 119.0459% | 493 |
| Total domestic deposits to total assets | 68.4790% | 5,911 |
| Equity capital to assets | 11.8533% | 2,118 |
| Core capital (leverage) ratio | 13.6265% | 939 |
| Tier 1 risk-based capital ratio | 24.7025% | 845 |
| Total risk-based capital ratio | 25.3259% | 893 |
| Memoranda: | ||
| Average total assets | $495,693,500 | 1,394 |
| Average earning assets | $455,077,000 | 1,406 |
| Average equity | $59,156,500 | 1,307 |
| Average total loans | $387,344,000 | 1,225 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3305% | 5,294 |
| Cost of funding earning assets | 0.7313% | 701 |
| Net interest margin | 2.5992% | 5,756 |
| Noninterest income to average assets | 2.8662% | 215 |
| Noninterest expense to average assets | 4.1740% | 554 |
| Loan and lease loss provision to assets | 0.0725% | 2,821 |
| Net operating income to assets | 0.6308% | 4,135 |
| Return on assets (ROA) | 0.6403% | 4,173 |
| Pretax return on assets | 1.0030% | 3,466 |
| Return on Equity (ROE) | 5.2232% | 4,397 |
| Retained earnings to average equity (ytd only) | 5.2232% | 2,260 |
| Net charge-offs to loans | 0.0535% | 3,135 |
| Credit loss provision to net charge-offs | 176.0204% | 1,541 |
| Earnings coverage of net charge-offs (x) | 25.7653% | 1,619 |
| Efficiency ratio | 79.7392% | 1,712 |
| Assets per employee ($millions) | 3.3155% | 5,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3844% | 6,007 |
| Loan loss allowance to noncurrent loans | 105.2860% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 0.3441% | 4,208 |
| Noncurrent loans to loans | 0.3651% | 4,141 |
| Net loans and leases to total assets | 77.3078% | 1,208 |
| Net loans and leases to deposits | 116.8916% | 130 |
| Net loans and leases to core deposits | 120.4801% | 465 |
| Total domestic deposits to total assets | 66.1364% | 6,015 |
| Equity capital to assets | 12.0176% | 1,941 |
| Core capital (leverage) ratio | 13.7879% | 882 |
| Tier 1 risk-based capital ratio | 24.9883% | 815 |
| Total risk-based capital ratio | 25.5299% | 869 |
| Memoranda: | ||
| Average total assets | $476,167,200 | 1,420 |
| Average earning assets | $433,862,600 | 1,441 |
| Average equity | $58,374,600 | 1,289 |
| Average total loans | $366,581,800 | 1,243 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3585% | 5,300 |
| Cost of funding earning assets | 0.7359% | 698 |
| Net interest margin | 2.6226% | 5,813 |
| Noninterest income to average assets | 2.9871% | 212 |
| Noninterest expense to average assets | 4.1973% | 538 |
| Loan and lease loss provision to assets | 0.0970% | 2,233 |
| Net operating income to assets | 0.6934% | 3,928 |
| Return on assets (ROA) | 0.7063% | 3,982 |
| Pretax return on assets | 1.0935% | 3,256 |
| Return on Equity (ROE) | 5.6934% | 4,306 |
| Retained earnings to average equity (ytd only) | 5.6934% | 2,449 |
| Net charge-offs to loans | 0.0722% | 2,529 |
| Credit loss provision to net charge-offs | 175.1269% | 1,501 |
| Earnings coverage of net charge-offs (x) | 21.1320% | 1,836 |
| Efficiency ratio | 78.1928% | 1,923 |
| Assets per employee ($millions) | 3.4123% | 4,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3918% | 6,093 |
| Loan loss allowance to noncurrent loans | 116.8946% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 0.3350% | 4,429 |
| Noncurrent loans to loans | 0.3352% | 4,410 |
| Net loans and leases to total assets | 76.7687% | 1,279 |
| Net loans and leases to deposits | 115.3444% | 159 |
| Net loans and leases to core deposits | 118.8074% | 507 |
| Total domestic deposits to total assets | 66.5560% | 6,076 |
| Equity capital to assets | 12.4791% | 1,754 |
| Core capital (leverage) ratio | 13.3063% | 1,095 |
| Tier 1 risk-based capital ratio | 24.4086% | 905 |
| Total risk-based capital ratio | 24.9387% | 967 |
| Memoranda: | ||
| Average total assets | $474,168,250 | 1,428 |
| Average earning assets | $430,458,500 | 1,449 |
| Average equity | $58,827,000 | 1,288 |
| Average total loans | $363,667,250 | 1,254 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3549% | 5,325 |
| Cost of funding earning assets | 0.7254% | 737 |
| Net interest margin | 2.6295% | 5,848 |
| Noninterest income to average assets | 3.0650% | 210 |
| Noninterest expense to average assets | 4.2327% | 528 |
| Loan and lease loss provision to assets | 0.1314% | 1,674 |
| Net operating income to assets | 0.7047% | 3,873 |
| Return on assets (ROA) | 0.7240% | 3,892 |
| Pretax return on assets | 1.1233% | 3,080 |
| Return on Equity (ROE) | 5.8471% | 4,207 |
| Retained earnings to average equity (ytd only) | 5.8471% | 2,330 |
| Net charge-offs to loans | 0.1002% | 2,008 |
| Credit loss provision to net charge-offs | 171.2707% | 1,401 |
| Earnings coverage of net charge-offs (x) | 15.9613% | 1,937 |
| Efficiency ratio | 77.5612% | 2,131 |
| Assets per employee ($millions) | 3.4594% | 4,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3780% | 6,172 |
| Loan loss allowance to noncurrent loans | 73.6397% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 0.5281% | 3,851 |
| Noncurrent loans to loans | 0.5133% | 3,916 |
| Net loans and leases to total assets | 76.9605% | 1,231 |
| Net loans and leases to deposits | 117.0061% | 137 |
| Net loans and leases to core deposits | 120.4638% | 457 |
| Total domestic deposits to total assets | 65.7748% | 6,176 |
| Equity capital to assets | 12.4084% | 1,714 |
| Core capital (leverage) ratio | 13.2415% | 1,076 |
| Tier 1 risk-based capital ratio | 23.8629% | 970 |
| Total risk-based capital ratio | 24.4189% | 1,042 |
| Memoranda: | ||
| Average total assets | $471,844,670 | 1,445 |
| Average earning assets | $429,287,000 | 1,463 |
| Average equity | $58,422,000 | 1,302 |
| Average total loans | $361,284,000 | 1,266 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3995% | 5,202 |
| Cost of funding earning assets | 0.7061% | 832 |
| Net interest margin | 2.6934% | 5,813 |
| Noninterest income to average assets | 3.1109% | 211 |
| Noninterest expense to average assets | 4.0736% | 639 |
| Loan and lease loss provision to assets | 0.2132% | 832 |
| Net operating income to assets | 0.8255% | 3,134 |
| Return on assets (ROA) | 0.8255% | 3,262 |
| Pretax return on assets | 1.2800% | 2,354 |
| Return on Equity (ROE) | 6.6743% | 3,667 |
| Retained earnings to average equity (ytd only) | 6.6743% | 2,157 |
| Net charge-offs to loans | 0.1443% | 1,376 |
| Credit loss provision to net charge-offs | 193.7984% | 1,073 |
| Earnings coverage of net charge-offs (x) | 13.5736% | 1,716 |
| Efficiency ratio | 73.1771% | 2,960 |
| Assets per employee ($millions) | 3.4142% | 5,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3828% | 6,249 |
| Loan loss allowance to noncurrent loans | 79.8387% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 0.5146% | 3,963 |
| Noncurrent loans to loans | 0.4795% | 4,140 |
| Net loans and leases to total assets | 76.0008% | 1,209 |
| Net loans and leases to deposits | 117.8787% | 114 |
| Net loans and leases to core deposits | 121.7660% | 373 |
| Total domestic deposits to total assets | 64.4737% | 6,271 |
| Equity capital to assets | 12.3265% | 1,805 |
| Core capital (leverage) ratio | 13.2167% | 1,082 |
| Tier 1 risk-based capital ratio | 23.9630% | 997 |
| Total risk-based capital ratio | 24.5275% | 1,052 |
| Memoranda: | ||
| Average total assets | $469,066,000 | 1,452 |
| Average earning assets | $427,708,500 | 1,475 |
| Average equity | $58,014,000 | 1,317 |
| Average total loans | $357,523,500 | 1,274 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4782% | 5,371 |
| Cost of funding earning assets | 0.6372% | 1,499 |
| Net interest margin | 2.8411% | 5,747 |
| Noninterest income to average assets | 1.8716% | 378 |
| Noninterest expense to average assets | 4.0735% | 700 |
| Loan and lease loss provision to assets | 0.0650% | 3,203 |
| Net operating income to assets | 0.2233% | 5,722 |
| Return on assets (ROA) | 0.2336% | 5,758 |
| Pretax return on assets | 0.3417% | 5,622 |
| Return on Equity (ROE) | 1.6012% | 5,863 |
| Retained earnings to average equity (ytd only) | 1.6012% | 5,023 |
| Net charge-offs to loans | 0.0255% | 4,317 |
| Credit loss provision to net charge-offs | 344.5946% | 766 |
| Earnings coverage of net charge-offs (x) | 20.7568% | 1,712 |
| Efficiency ratio | 91.2284% | 766 |
| Assets per employee ($millions) | 3.4085% | 5,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3584% | 6,345 |
| Loan loss allowance to noncurrent loans | 62.8103% | 4,722 |
| Noncurrent assets plus other real estate owned to assets | 0.6976% | 3,482 |
| Noncurrent loans to loans | 0.5706% | 3,954 |
| Net loans and leases to total assets | 75.8731% | 1,286 |
| Net loans and leases to deposits | 120.6645% | 95 |
| Net loans and leases to core deposits | 124.5107% | 311 |
| Total domestic deposits to total assets | 62.8794% | 6,372 |
| Equity capital to assets | 12.4104% | 1,700 |
| Core capital (leverage) ratio | 13.1809% | 1,069 |
| Tier 1 risk-based capital ratio | 25.1549% | 825 |
| Total risk-based capital ratio | 25.6715% | 882 |
| Memoranda: | ||
| Average total assets | $392,172,000 | 1,670 |
| Average earning assets | $357,996,800 | 1,673 |
| Average equity | $57,207,800 | 1,280 |
| Average total loans | $290,330,000 | 1,472 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5379% | 5,301 |
| Cost of funding earning assets | 0.6168% | 1,706 |
| Net interest margin | 2.9211% | 5,657 |
| Noninterest income to average assets | 1.8860% | 383 |
| Noninterest expense to average assets | 4.1906% | 614 |
| Loan and lease loss provision to assets | 0.0570% | 3,229 |
| Net operating income to assets | 0.2078% | 5,835 |
| Return on assets (ROA) | 0.2223% | 5,851 |
| Pretax return on assets | 0.3231% | 5,734 |
| Return on Equity (ROE) | 1.4564% | 5,960 |
| Retained earnings to average equity (ytd only) | 1.4564% | 5,317 |
| Net charge-offs to loans | 0.0335% | 3,816 |
| Credit loss provision to net charge-offs | 231.8841% | 1,122 |
| Earnings coverage of net charge-offs (x) | 14.6084% | 2,130 |
| Efficiency ratio | 92.1084% | 703 |
| Assets per employee ($millions) | 3.0851% | 5,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3843% | 6,417 |
| Loan loss allowance to noncurrent loans | 74.4142% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 0.6632% | 3,852 |
| Noncurrent loans to loans | 0.5164% | 4,387 |
| Net loans and leases to total assets | 73.1382% | 1,658 |
| Net loans and leases to deposits | 103.1614% | 446 |
| Net loans and leases to core deposits | 106.3110% | 938 |
| Total domestic deposits to total assets | 70.8969% | 6,239 |
| Equity capital to assets | 13.7429% | 1,096 |
| Core capital (leverage) ratio | 14.6056% | 699 |
| Tier 1 risk-based capital ratio | 27.5393% | 672 |
| Total risk-based capital ratio | 28.0666% | 702 |
| Memoranda: | ||
| Average total assets | $374,324,500 | 1,761 |
| Average earning assets | $341,319,500 | 1,759 |
| Average equity | $57,127,250 | 1,288 |
| Average total loans | $274,666,500 | 1,557 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6124% | 5,116 |
| Cost of funding earning assets | 0.6086% | 1,827 |
| Net interest margin | 3.0038% | 5,510 |
| Noninterest income to average assets | 1.8819% | 378 |
| Noninterest expense to average assets | 4.4511% | 469 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1096% | 6,029 |
| Return on assets (ROA) | 0.1316% | 6,026 |
| Pretax return on assets | 0.1954% | 5,955 |
| Return on Equity (ROE) | 0.8303% | 6,086 |
| Retained earnings to average equity (ytd only) | 0.8303% | 5,418 |
| Net charge-offs to loans | 0.0227% | 3,752 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 9.7667% | 2,325 |
| Efficiency ratio | 96.4746% | 539 |
| Assets per employee ($millions) | 2.9412% | 5,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3778% | 6,498 |
| Loan loss allowance to noncurrent loans | 92.8634% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 0.6063% | 4,150 |
| Noncurrent loans to loans | 0.4068% | 4,768 |
| Net loans and leases to total assets | 71.5862% | 1,816 |
| Net loans and leases to deposits | 98.4000% | 640 |
| Net loans and leases to core deposits | 101.1361% | 1,196 |
| Total domestic deposits to total assets | 72.7502% | 6,203 |
| Equity capital to assets | 14.7329% | 766 |
| Core capital (leverage) ratio | 15.6104% | 527 |
| Tier 1 risk-based capital ratio | 29.3548% | 555 |
| Total risk-based capital ratio | 29.8200% | 597 |
| Memoranda: | ||
| Average total assets | $360,269,000 | 1,820 |
| Average earning assets | $327,649,670 | 1,835 |
| Average equity | $57,090,330 | 1,277 |
| Average total loans | $264,292,330 | 1,604 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7018% | 4,843 |
| Cost of funding earning assets | 0.6202% | 1,812 |
| Net interest margin | 3.0817% | 5,305 |
| Noninterest income to average assets | 1.9129% | 360 |
| Noninterest expense to average assets | 4.4334% | 486 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1710% | 5,878 |
| Return on assets (ROA) | 0.1710% | 5,921 |
| Pretax return on assets | 0.2749% | 5,772 |
| Return on Equity (ROE) | 1.0379% | 6,031 |
| Retained earnings to average equity (ytd only) | 1.0379% | 5,183 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1609% | 739 |
| Assets per employee ($millions) | 2.7274% | 6,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4129% | 6,556 |
| Loan loss allowance to noncurrent loans | 75.4349% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 0.7117% | 3,980 |
| Noncurrent loans to loans | 0.5474% | 4,521 |
| Net loans and leases to total assets | 74.3015% | 1,228 |
| Net loans and leases to deposits | 97.0703% | 593 |
| Net loans and leases to core deposits | 98.6695% | 1,193 |
| Total domestic deposits to total assets | 76.5440% | 6,022 |
| Equity capital to assets | 16.2319% | 494 |
| Core capital (leverage) ratio | 17.2512% | 344 |
| Tier 1 risk-based capital ratio | 31.1637% | 481 |
| Total risk-based capital ratio | 31.6447% | 501 |
| Memoranda: | ||
| Average total assets | $346,283,000 | 1,895 |
| Average earning assets | $314,117,000 | 1,915 |
| Average equity | $57,036,000 | 1,276 |
| Average total loans | $256,948,000 | 1,654 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2699% | 6,046 |
| Cost of funding earning assets | 0.7951% | 1,238 |
| Net interest margin | 2.4747% | 6,392 |
| Noninterest income to average assets | 3.1512% | 215 |
| Noninterest expense to average assets | 4.8360% | 394 |
| Loan and lease loss provision to assets | 0.0541% | 4,060 |
| Net operating income to assets | 0.3494% | 5,332 |
| Return on assets (ROA) | 0.3494% | 5,447 |
| Pretax return on assets | 0.5067% | 5,188 |
| Return on Equity (ROE) | 2.2596% | 5,750 |
| Retained earnings to average equity (ytd only) | 2.2596% | 4,639 |
| Net charge-offs to loans | 0.0323% | 4,791 |
| Credit loss provision to net charge-offs | 250.0000% | 904 |
| Earnings coverage of net charge-offs (x) | 25.9342% | 1,311 |
| Efficiency ratio | 89.6094% | 1,059 |
| Assets per employee ($millions) | 2.6010% | 6,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4312% | 6,620 |
| Loan loss allowance to noncurrent loans | 51.9904% | 5,174 |
| Noncurrent assets plus other real estate owned to assets | 0.8966% | 3,649 |
| Noncurrent loans to loans | 0.8294% | 3,908 |
| Net loans and leases to total assets | 73.4624% | 1,444 |
| Net loans and leases to deposits | 94.6086% | 827 |
| Net loans and leases to core deposits | 96.2105% | 1,439 |
| Total domestic deposits to total assets | 77.6487% | 5,878 |
| Equity capital to assets | 16.7177% | 427 |
| Core capital (leverage) ratio | 17.7782% | 310 |
| Tier 1 risk-based capital ratio | 32.2911% | 422 |
| Total risk-based capital ratio | 32.8200% | 440 |
| Memoranda: | ||
| Average total assets | $351,485,600 | 1,843 |
| Average earning assets | $318,941,600 | 1,867 |
| Average equity | $54,345,200 | 1,311 |
| Average total loans | $235,496,800 | 1,756 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1745% | 6,234 |
| Cost of funding earning assets | 0.8293% | 1,157 |
| Net interest margin | 2.3452% | 6,561 |
| Noninterest income to average assets | 3.6042% | 194 |
| Noninterest expense to average assets | 4.9436% | 350 |
| Loan and lease loss provision to assets | 0.0715% | 3,633 |
| Net operating income to assets | 0.5319% | 4,657 |
| Return on assets (ROA) | 0.5319% | 4,814 |
| Pretax return on assets | 0.7183% | 4,623 |
| Return on Equity (ROE) | 3.5089% | 5,428 |
| Retained earnings to average equity (ytd only) | 3.5089% | 4,194 |
| Net charge-offs to loans | 0.0271% | 4,585 |
| Credit loss provision to net charge-offs | 404.2553% | 658 |
| Earnings coverage of net charge-offs (x) | 44.6348% | 933 |
| Efficiency ratio | 86.2246% | 1,341 |
| Assets per employee ($millions) | 2.6126% | 6,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4520% | 6,686 |
| Loan loss allowance to noncurrent loans | 37.2989% | 5,732 |
| Noncurrent assets plus other real estate owned to assets | 1.3243% | 2,992 |
| Noncurrent loans to loans | 1.2120% | 3,394 |
| Net loans and leases to total assets | 69.4924% | 2,047 |
| Net loans and leases to deposits | 89.2601% | 1,246 |
| Net loans and leases to core deposits | 91.0456% | 1,864 |
| Total domestic deposits to total assets | 77.8538% | 5,923 |
| Equity capital to assets | 16.2023% | 515 |
| Core capital (leverage) ratio | 17.1723% | 374 |
| Tier 1 risk-based capital ratio | 32.8831% | 405 |
| Total risk-based capital ratio | 33.4379% | 428 |
| Memoranda: | ||
| Average total assets | $354,175,000 | 1,841 |
| Average earning assets | $321,553,000 | 1,857 |
| Average equity | $53,691,000 | 1,334 |
| Average total loans | $231,523,250 | 1,779 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0989% | 6,342 |
| Cost of funding earning assets | 0.8699% | 1,029 |
| Net interest margin | 2.2290% | 6,667 |
| Noninterest income to average assets | 3.9801% | 184 |
| Noninterest expense to average assets | 5.1192% | 327 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5724% | 4,435 |
| Return on assets (ROA) | 0.5724% | 4,608 |
| Pretax return on assets | 0.8853% | 3,967 |
| Return on Equity (ROE) | 3.8638% | 5,270 |
| Retained earnings to average equity (ytd only) | 3.8638% | 3,839 |
| Net charge-offs to loans | 0.0159% | 4,520 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 87.2222% | 520 |
| Efficiency ratio | 85.2554% | 1,494 |
| Assets per employee ($millions) | 2.7492% | 6,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4354% | 6,750 |
| Loan loss allowance to noncurrent loans | 20.6150% | 6,290 |
| Noncurrent assets plus other real estate owned to assets | 1.6209% | 2,679 |
| Noncurrent loans to loans | 2.1121% | 2,271 |
| Net loans and leases to total assets | 60.9101% | 3,498 |
| Net loans and leases to deposits | 77.4497% | 2,648 |
| Net loans and leases to core deposits | 78.9567% | 3,171 |
| Total domestic deposits to total assets | 78.6448% | 5,862 |
| Equity capital to assets | 14.8346% | 746 |
| Core capital (leverage) ratio | 16.8333% | 386 |
| Tier 1 risk-based capital ratio | 34.4381% | 354 |
| Total risk-based capital ratio | 34.9369% | 375 |
| Memoranda: | ||
| Average total assets | $354,666,000 | 1,838 |
| Average earning assets | $322,117,330 | 1,854 |
| Average equity | $52,539,330 | 1,366 |
| Average total loans | $226,626,330 | 1,813 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2683% | 6,214 |
| Cost of funding earning assets | 0.8943% | 1,012 |
| Net interest margin | 2.3740% | 6,624 |
| Noninterest income to average assets | 3.7113% | 199 |
| Noninterest expense to average assets | 4.8412% | 406 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6691% | 3,851 |
| Return on assets (ROA) | 0.6691% | 4,008 |
| Pretax return on assets | 1.0280% | 3,229 |
| Return on Equity (ROE) | 4.5201% | 4,834 |
| Retained earnings to average equity (ytd only) | 4.5201% | 3,523 |
| Net charge-offs to loans | -0.0295% | 5,890 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4846% | 1,967 |
| Assets per employee ($millions) | 2.7152% | 6,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4619% | 6,819 |
| Loan loss allowance to noncurrent loans | 32.4351% | 5,936 |
| Noncurrent assets plus other real estate owned to assets | 1.2657% | 3,450 |
| Noncurrent loans to loans | 1.4240% | 3,436 |
| Net loans and leases to total assets | 59.8012% | 3,464 |
| Net loans and leases to deposits | 75.7313% | 2,681 |
| Net loans and leases to core deposits | 77.2060% | 3,176 |
| Total domestic deposits to total assets | 78.9649% | 5,968 |
| Equity capital to assets | 14.7867% | 809 |
| Core capital (leverage) ratio | 16.8099% | 373 |
| Tier 1 risk-based capital ratio | 35.6758% | 329 |
| Total risk-based capital ratio | 36.2165% | 344 |
| Memoranda: | ||
| Average total assets | $353,298,000 | 1,873 |
| Average earning assets | $321,147,500 | 1,886 |
| Average equity | $52,299,500 | 1,392 |
| Average total loans | $230,616,500 | 1,791 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6627% | 6,112 |
| Cost of funding earning assets | 1.1569% | 714 |
| Net interest margin | 2.5058% | 6,710 |
| Noninterest income to average assets | 1.9789% | 445 |
| Noninterest expense to average assets | 3.7641% | 1,309 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3037% | 5,459 |
| Return on assets (ROA) | 0.3055% | 5,652 |
| Pretax return on assets | 0.4600% | 5,398 |
| Return on Equity (ROE) | 2.1761% | 5,852 |
| Retained earnings to average equity (ytd only) | 2.1761% | 4,700 |
| Net charge-offs to loans | 0.0715% | 4,965 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 9.7733% | 2,226 |
| Efficiency ratio | 89.1681% | 1,134 |
| Assets per employee ($millions) | 2.5245% | 6,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3919% | 6,901 |
| Loan loss allowance to noncurrent loans | 25.6954% | 6,219 |
| Noncurrent assets plus other real estate owned to assets | 1.5269% | 3,091 |
| Noncurrent loans to loans | 1.5250% | 3,321 |
| Net loans and leases to total assets | 70.2665% | 1,791 |
| Net loans and leases to deposits | 88.9437% | 1,171 |
| Net loans and leases to core deposits | 90.8889% | 1,733 |
| Total domestic deposits to total assets | 79.0011% | 5,890 |
| Equity capital to assets | 14.8200% | 784 |
| Core capital (leverage) ratio | 16.8939% | 362 |
| Tier 1 risk-based capital ratio | 31.2013% | 463 |
| Total risk-based capital ratio | 31.6691% | 492 |
| Memoranda: | ||
| Average total assets | $367,630,000 | 1,773 |
| Average earning assets | $328,996,200 | 1,799 |
| Average equity | $51,605,000 | 1,378 |
| Average total loans | $240,591,000 | 1,713 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6760% | 6,263 |
| Cost of funding earning assets | 1.2236% | 624 |
| Net interest margin | 2.4524% | 6,859 |
| Noninterest income to average assets | 1.6901% | 542 |
| Noninterest expense to average assets | 3.7104% | 1,348 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.1576% | 6,016 |
| Return on assets (ROA) | 0.1610% | 6,160 |
| Pretax return on assets | 0.1703% | 6,170 |
| Return on Equity (ROE) | 1.1623% | 6,223 |
| Retained earnings to average equity (ytd only) | 1.1623% | 5,709 |
| Net charge-offs to loans | 0.1061% | 4,332 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 2.4473% | 4,058 |
| Efficiency ratio | 95.6992% | 692 |
| Assets per employee ($millions) | 2.7084% | 6,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3812% | 7,021 |
| Loan loss allowance to noncurrent loans | 24.8499% | 6,352 |
| Noncurrent assets plus other real estate owned to assets | 1.6036% | 3,190 |
| Noncurrent loans to loans | 1.5338% | 3,489 |
| Net loans and leases to total assets | 68.5566% | 2,207 |
| Net loans and leases to deposits | 89.7633% | 1,175 |
| Net loans and leases to core deposits | 91.5413% | 1,822 |
| Total domestic deposits to total assets | 76.3748% | 6,329 |
| Equity capital to assets | 14.0528% | 1,138 |
| Core capital (leverage) ratio | 16.0310% | 471 |
| Tier 1 risk-based capital ratio | 23.2807% | 1,133 |
| Total risk-based capital ratio | 23.6288% | 1,245 |
| Memoranda: | ||
| Average total assets | $371,811,500 | 1,775 |
| Average earning assets | $331,581,500 | 1,807 |
| Average equity | $51,505,250 | 1,386 |
| Average total loans | $238,854,250 | 1,735 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7219% | 6,299 |
| Cost of funding earning assets | 1.2779% | 579 |
| Net interest margin | 2.4440% | 6,933 |
| Noninterest income to average assets | 1.6346% | 553 |
| Noninterest expense to average assets | 3.7196% | 1,337 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.0684% | 6,226 |
| Return on assets (ROA) | 0.0726% | 6,360 |
| Pretax return on assets | 0.0923% | 6,340 |
| Return on Equity (ROE) | 0.5264% | 6,385 |
| Retained earnings to average equity (ytd only) | 0.5264% | 5,858 |
| Net charge-offs to loans | 0.1769% | 3,537 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.7837% | 4,665 |
| Efficiency ratio | 97.7148% | 635 |
| Assets per employee ($millions) | 2.8790% | 6,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4132% | 7,076 |
| Loan loss allowance to noncurrent loans | 13.8864% | 6,661 |
| Noncurrent assets plus other real estate owned to assets | 2.6980% | 2,045 |
| Noncurrent loans to loans | 2.9753% | 1,996 |
| Net loans and leases to total assets | 60.6181% | 3,704 |
| Net loans and leases to deposits | 81.4984% | 2,172 |
| Net loans and leases to core deposits | 82.9570% | 2,832 |
| Total domestic deposits to total assets | 74.3795% | 6,648 |
| Equity capital to assets | 13.9373% | 1,124 |
| Core capital (leverage) ratio | 15.7738% | 491 |
| Tier 1 risk-based capital ratio | 25.3555% | 870 |
| Total risk-based capital ratio | 25.7104% | 944 |
| Memoranda: | ||
| Average total assets | $374,771,670 | 1,758 |
| Average earning assets | $333,059,000 | 1,805 |
| Average equity | $51,673,000 | 1,375 |
| Average total loans | $235,217,330 | 1,756 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8021% | 6,235 |
| Cost of funding earning assets | 1.3240% | 574 |
| Net interest margin | 2.4781% | 6,967 |
| Noninterest income to average assets | 1.4971% | 642 |
| Noninterest expense to average assets | 3.6944% | 1,384 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0085% | 6,399 |
| Return on assets (ROA) | 0.0085% | 6,506 |
| Pretax return on assets | 0.0043% | 6,521 |
| Return on Equity (ROE) | 0.0620% | 6,515 |
| Retained earnings to average equity (ytd only) | 0.0620% | 5,958 |
| Net charge-offs to loans | 0.3386% | 2,302 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.0197% | 4,359 |
| Efficiency ratio | 98.9658% | 591 |
| Assets per employee ($millions) | 2.9775% | 6,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4006% | 7,133 |
| Loan loss allowance to noncurrent loans | 14.0485% | 6,702 |
| Noncurrent assets plus other real estate owned to assets | 2.7550% | 2,132 |
| Noncurrent loans to loans | 2.8516% | 2,266 |
| Net loans and leases to total assets | 61.7374% | 3,306 |
| Net loans and leases to deposits | 82.2418% | 1,906 |
| Net loans and leases to core deposits | 83.3354% | 2,634 |
| Total domestic deposits to total assets | 75.0681% | 6,638 |
| Equity capital to assets | 13.6544% | 1,174 |
| Core capital (leverage) ratio | 15.3896% | 548 |
| Tier 1 risk-based capital ratio | 25.8677% | 816 |
| Total risk-based capital ratio | 26.2280% | 896 |
| Memoranda: | ||
| Average total assets | $376,464,500 | 1,760 |
| Average earning assets | $334,447,000 | 1,806 |
| Average equity | $51,629,000 | 1,370 |
| Average total loans | $239,795,500 | 1,717 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9750% | 6,501 |
| Cost of funding earning assets | 1.4530% | 853 |
| Net interest margin | 2.5220% | 7,048 |
| Noninterest income to average assets | 1.1540% | 983 |
| Noninterest expense to average assets | 3.4228% | 2,183 |
| Loan and lease loss provision to assets | 0.1311% | 4,972 |
| Net operating income to assets | -0.1082% | 6,173 |
| Return on assets (ROA) | -0.1082% | 6,247 |
| Pretax return on assets | -0.1405% | 6,238 |
| Return on Equity (ROE) | -0.7871% | 6,226 |
| Retained earnings to average equity (ytd only) | -0.7871% | 5,976 |
| Net charge-offs to loans | 0.0392% | 5,920 |
| Credit loss provision to net charge-offs | 518.5567% | 441 |
| Earnings coverage of net charge-offs (x) | -0.3711% | 6,035 |
| Efficiency ratio | 99.5189% | 692 |
| Assets per employee ($millions) | 3.2309% | 5,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4768% | 7,119 |
| Loan loss allowance to noncurrent loans | 33.9332% | 5,945 |
| Noncurrent assets plus other real estate owned to assets | 1.8565% | 3,178 |
| Noncurrent loans to loans | 1.4050% | 4,045 |
| Net loans and leases to total assets | 65.1111% | 2,955 |
| Net loans and leases to deposits | 86.9262% | 1,543 |
| Net loans and leases to core deposits | 88.0920% | 2,363 |
| Total domestic deposits to total assets | 74.9039% | 6,617 |
| Equity capital to assets | 13.7745% | 1,146 |
| Core capital (leverage) ratio | 15.4788% | 532 |
| Tier 1 risk-based capital ratio | 26.4242% | 745 |
| Total risk-based capital ratio | 26.8859% | 787 |
| Memoranda: | ||
| Average total assets | $383,630,800 | 1,685 |
| Average earning assets | $343,694,000 | 1,736 |
| Average equity | $52,722,200 | 1,292 |
| Average total loans | $247,271,800 | 1,690 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9877% | 6,610 |
| Cost of funding earning assets | 1.4707% | 952 |
| Net interest margin | 2.5170% | 7,129 |
| Noninterest income to average assets | 1.0982% | 1,103 |
| Noninterest expense to average assets | 3.4265% | 2,121 |
| Loan and lease loss provision to assets | 0.1417% | 4,667 |
| Net operating income to assets | -0.1672% | 6,349 |
| Return on assets (ROA) | -0.1672% | 6,428 |
| Pretax return on assets | -0.2091% | 6,418 |
| Return on Equity (ROE) | -1.2177% | 6,400 |
| Retained earnings to average equity (ytd only) | -1.2177% | 6,185 |
| Net charge-offs to loans | 0.0474% | 5,514 |
| Credit loss provision to net charge-offs | 465.9091% | 595 |
| Earnings coverage of net charge-offs (x) | -2.2159% | 6,032 |
| Efficiency ratio | 101.2653% | 627 |
| Assets per employee ($millions) | 2.8497% | 6,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4283% | 7,210 |
| Loan loss allowance to noncurrent loans | 38.3838% | 5,726 |
| Noncurrent assets plus other real estate owned to assets | 1.6922% | 3,550 |
| Noncurrent loans to loans | 1.1157% | 4,687 |
| Net loans and leases to total assets | 64.3022% | 3,250 |
| Net loans and leases to deposits | 85.1262% | 1,815 |
| Net loans and leases to core deposits | 85.9048% | 2,782 |
| Total domestic deposits to total assets | 75.5375% | 6,586 |
| Equity capital to assets | 13.4011% | 1,412 |
| Core capital (leverage) ratio | 15.1686% | 633 |
| Tier 1 risk-based capital ratio | 27.4103% | 704 |
| Total risk-based capital ratio | 27.8378% | 756 |
| Memoranda: | ||
| Average total assets | $385,841,750 | 1,690 |
| Average earning assets | $346,593,500 | 1,720 |
| Average equity | $52,996,500 | 1,288 |
| Average total loans | $247,790,500 | 1,703 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0096% | 6,645 |
| Cost of funding earning assets | 1.4856% | 1,055 |
| Net interest margin | 2.5240% | 7,175 |
| Noninterest income to average assets | 1.0466% | 1,202 |
| Noninterest expense to average assets | 3.5555% | 1,847 |
| Loan and lease loss provision to assets | 0.2180% | 3,738 |
| Net operating income to assets | -0.3728% | 6,594 |
| Return on assets (ROA) | -0.3728% | 6,625 |
| Pretax return on assets | -0.4562% | 6,630 |
| Return on Equity (ROE) | -2.6928% | 6,565 |
| Retained earnings to average equity (ytd only) | -2.6928% | 6,332 |
| Net charge-offs to loans | 0.0178% | 5,592 |
| Credit loss provision to net charge-offs | 1,913.6364% | 174 |
| Earnings coverage of net charge-offs (x) | -20.9091% | 5,842 |
| Efficiency ratio | 106.5095% | 547 |
| Assets per employee ($millions) | 3.1950% | 5,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4490% | 7,261 |
| Loan loss allowance to noncurrent loans | 42.9862% | 5,456 |
| Noncurrent assets plus other real estate owned to assets | 1.6394% | 3,716 |
| Noncurrent loans to loans | 1.0445% | 4,909 |
| Net loans and leases to total assets | 62.7404% | 3,727 |
| Net loans and leases to deposits | 82.9241% | 2,294 |
| Net loans and leases to core deposits | 83.6822% | 3,260 |
| Total domestic deposits to total assets | 75.6600% | 6,649 |
| Equity capital to assets | 13.7355% | 1,189 |
| Core capital (leverage) ratio | 14.8292% | 699 |
| Tier 1 risk-based capital ratio | 27.3347% | 706 |
| Total risk-based capital ratio | 27.7893% | 740 |
| Memoranda: | ||
| Average total assets | $386,217,000 | 1,699 |
| Average earning assets | $347,469,000 | 1,725 |
| Average equity | $53,476,670 | 1,259 |
| Average total loans | $247,572,330 | 1,721 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0285% | 6,637 |
| Cost of funding earning assets | 1.5159% | 1,104 |
| Net interest margin | 2.5126% | 7,191 |
| Noninterest income to average assets | 0.9243% | 1,569 |
| Noninterest expense to average assets | 3.6474% | 1,657 |
| Loan and lease loss provision to assets | 0.0425% | 5,459 |
| Net operating income to assets | -0.3243% | 6,679 |
| Return on assets (ROA) | -0.3243% | 6,691 |
| Pretax return on assets | -0.5088% | 6,756 |
| Return on Equity (ROE) | -2.3330% | 6,619 |
| Retained earnings to average equity (ytd only) | -2.3330% | 6,200 |
| Net charge-offs to loans | 0.0096% | 4,967 |
| Credit loss provision to net charge-offs | 683.3333% | 551 |
| Earnings coverage of net charge-offs (x) | -75.0000% | 5,098 |
| Efficiency ratio | 114.0391% | 426 |
| Assets per employee ($millions) | 2.9966% | 6,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2995% | 7,405 |
| Loan loss allowance to noncurrent loans | 22.0579% | 6,686 |
| Noncurrent assets plus other real estate owned to assets | 2.0307% | 3,281 |
| Noncurrent loans to loans | 1.3577% | 4,445 |
| Net loans and leases to total assets | 62.9548% | 3,673 |
| Net loans and leases to deposits | 83.1159% | 2,168 |
| Net loans and leases to core deposits | 83.8239% | 3,188 |
| Total domestic deposits to total assets | 75.7434% | 6,707 |
| Equity capital to assets | 13.8420% | 1,053 |
| Core capital (leverage) ratio | 14.9242% | 676 |
| Tier 1 risk-based capital ratio | 27.7307% | 653 |
| Total risk-based capital ratio | 28.0141% | 708 |
| Memoranda: | ||
| Average total assets | $386,026,500 | 1,708 |
| Average earning assets | $346,729,500 | 1,735 |
| Average equity | $53,664,500 | 1,247 |
| Average total loans | $249,535,000 | 1,731 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5116% | 6,372 |
| Cost of funding earning assets | 1.6924% | 1,639 |
| Net interest margin | 2.8191% | 7,005 |
| Noninterest income to average assets | 1.5450% | 617 |
| Noninterest expense to average assets | 3.5344% | 2,084 |
| Loan and lease loss provision to assets | 0.0385% | 6,778 |
| Net operating income to assets | 0.3395% | 4,792 |
| Return on assets (ROA) | 0.3391% | 4,950 |
| Pretax return on assets | 0.4795% | 4,692 |
| Return on Equity (ROE) | 2.4637% | 5,202 |
| Retained earnings to average equity (ytd only) | 2.4637% | 4,151 |
| Net charge-offs to loans | 0.1648% | 5,347 |
| Credit loss provision to net charge-offs | 34.4111% | 6,456 |
| Earnings coverage of net charge-offs (x) | 4.6397% | 2,852 |
| Efficiency ratio | 86.7940% | 1,589 |
| Assets per employee ($millions) | 2.8555% | 6,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2726% | 7,496 |
| Loan loss allowance to noncurrent loans | 14.4191% | 7,004 |
| Noncurrent assets plus other real estate owned to assets | 2.4820% | 2,787 |
| Noncurrent loans to loans | 1.8904% | 3,699 |
| Net loans and leases to total assets | 65.9638% | 3,474 |
| Net loans and leases to deposits | 87.8043% | 1,822 |
| Net loans and leases to core deposits | 88.7312% | 2,940 |
| Total domestic deposits to total assets | 75.1259% | 6,751 |
| Equity capital to assets | 13.9617% | 1,047 |
| Core capital (leverage) ratio | 15.0068% | 664 |
| Tier 1 risk-based capital ratio | 26.0752% | 748 |
| Total risk-based capital ratio | 26.3248% | 819 |
| Memoranda: | ||
| Average total assets | $387,500,200 | 1,699 |
| Average earning assets | $344,715,200 | 1,736 |
| Average equity | $53,335,400 | 1,256 |
| Average total loans | $262,716,200 | 1,688 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6051% | 6,320 |
| Cost of funding earning assets | 1.7154% | 1,793 |
| Net interest margin | 2.8898% | 7,020 |
| Noninterest income to average assets | 1.4250% | 670 |
| Noninterest expense to average assets | 3.6092% | 1,771 |
| Loan and lease loss provision to assets | 0.0069% | 6,952 |
| Net operating income to assets | 0.2799% | 5,240 |
| Return on assets (ROA) | 0.2794% | 5,405 |
| Pretax return on assets | 0.3746% | 5,298 |
| Return on Equity (ROE) | 2.0370% | 5,592 |
| Retained earnings to average equity (ytd only) | 2.0370% | 4,939 |
| Net charge-offs to loans | 0.1295% | 5,255 |
| Credit loss provision to net charge-offs | 7.7821% | 6,347 |
| Earnings coverage of net charge-offs (x) | 4.3268% | 3,099 |
| Efficiency ratio | 89.9699% | 1,296 |
| Assets per employee ($millions) | 2.9025% | 6,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2936% | 7,593 |
| Loan loss allowance to noncurrent loans | 17.3689% | 6,992 |
| Noncurrent assets plus other real estate owned to assets | 2.4262% | 2,945 |
| Noncurrent loans to loans | 1.6903% | 4,103 |
| Net loans and leases to total assets | 64.3092% | 4,061 |
| Net loans and leases to deposits | 85.4954% | 2,437 |
| Net loans and leases to core deposits | 86.3047% | 3,606 |
| Total domestic deposits to total assets | 75.2195% | 6,779 |
| Equity capital to assets | 13.6076% | 1,310 |
| Core capital (leverage) ratio | 14.7572% | 767 |
| Tier 1 risk-based capital ratio | 25.0247% | 863 |
| Total risk-based capital ratio | 25.2870% | 913 |
| Memoranda: | ||
| Average total assets | $388,002,750 | 1,721 |
| Average earning assets | $344,562,250 | 1,759 |
| Average equity | $53,214,000 | 1,260 |
| Average total loans | $264,650,500 | 1,694 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6832% | 6,194 |
| Cost of funding earning assets | 1.7365% | 1,934 |
| Net interest margin | 2.9467% | 6,941 |
| Noninterest income to average assets | 1.4129% | 634 |
| Noninterest expense to average assets | 3.6600% | 1,647 |
| Loan and lease loss provision to assets | 0.0698% | 6,252 |
| Net operating income to assets | 0.2366% | 5,430 |
| Return on assets (ROA) | 0.2358% | 5,574 |
| Pretax return on assets | 0.3051% | 5,478 |
| Return on Equity (ROE) | 1.7150% | 5,724 |
| Retained earnings to average equity (ytd only) | 1.7150% | 5,015 |
| Net charge-offs to loans | 0.1281% | 4,916 |
| Credit loss provision to net charge-offs | 78.4884% | 4,750 |
| Earnings coverage of net charge-offs (x) | 4.2267% | 3,015 |
| Efficiency ratio | 90.2101% | 1,317 |
| Assets per employee ($millions) | 2.8310% | 6,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3600% | 7,624 |
| Loan loss allowance to noncurrent loans | 15.5842% | 7,126 |
| Noncurrent assets plus other real estate owned to assets | 2.9503% | 2,425 |
| Noncurrent loans to loans | 2.3099% | 3,359 |
| Net loans and leases to total assets | 67.2984% | 3,554 |
| Net loans and leases to deposits | 89.7836% | 1,897 |
| Net loans and leases to core deposits | 90.9607% | 3,130 |
| Total domestic deposits to total assets | 74.9562% | 6,860 |
| Equity capital to assets | 13.7702% | 1,252 |
| Core capital (leverage) ratio | 14.9608% | 725 |
| Tier 1 risk-based capital ratio | 25.1756% | 831 |
| Total risk-based capital ratio | 25.5848% | 885 |
| Memoranda: | ||
| Average total assets | $386,723,330 | 1,741 |
| Average earning assets | $344,250,330 | 1,777 |
| Average equity | $53,178,670 | 1,250 |
| Average total loans | $268,623,330 | 1,694 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7762% | 5,983 |
| Cost of funding earning assets | 1.7796% | 1,970 |
| Net interest margin | 2.9967% | 6,833 |
| Noninterest income to average assets | 1.2917% | 722 |
| Noninterest expense to average assets | 3.5208% | 1,928 |
| Loan and lease loss provision to assets | 0.1502% | 5,042 |
| Net operating income to assets | 0.2320% | 5,569 |
| Return on assets (ROA) | 0.2320% | 5,687 |
| Pretax return on assets | 0.2859% | 5,649 |
| Return on Equity (ROE) | 1.6885% | 5,888 |
| Retained earnings to average equity (ytd only) | 1.6885% | 5,094 |
| Net charge-offs to loans | 0.2133% | 3,643 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 2.9034% | 3,100 |
| Efficiency ratio | 88.4555% | 1,544 |
| Assets per employee ($millions) | 2.8342% | 6,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3695% | 7,711 |
| Loan loss allowance to noncurrent loans | 16.8764% | 7,158 |
| Noncurrent assets plus other real estate owned to assets | 2.9905% | 2,403 |
| Noncurrent loans to loans | 2.1897% | 3,540 |
| Net loans and leases to total assets | 68.4756% | 3,283 |
| Net loans and leases to deposits | 91.3353% | 1,707 |
| Net loans and leases to core deposits | 92.4846% | 3,048 |
| Total domestic deposits to total assets | 74.9717% | 6,905 |
| Equity capital to assets | 13.7959% | 1,209 |
| Core capital (leverage) ratio | 14.9940% | 752 |
| Tier 1 risk-based capital ratio | 25.2290% | 839 |
| Total risk-based capital ratio | 25.6563% | 900 |
| Memoranda: | ||
| Average total assets | $386,158,500 | 1,789 |
| Average earning assets | $343,449,500 | 1,821 |
| Average equity | $53,064,000 | 1,262 |
| Average total loans | $271,954,000 | 1,727 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8755% | 6,771 |
| Cost of funding earning assets | 2.2786% | 1,735 |
| Net interest margin | 2.5969% | 7,335 |
| Noninterest income to average assets | 1.2485% | 969 |
| Noninterest expense to average assets | 3.5197% | 2,332 |
| Loan and lease loss provision to assets | 0.6102% | 3,358 |
| Net operating income to assets | -0.3262% | 6,005 |
| Return on assets (ROA) | -0.2479% | 5,896 |
| Pretax return on assets | -0.4527% | 5,966 |
| Return on Equity (ROE) | -1.8120% | 5,826 |
| Retained earnings to average equity (ytd only) | -1.8120% | 5,467 |
| Net charge-offs to loans | 0.7407% | 2,970 |
| Credit loss provision to net charge-offs | 121.1462% | 4,399 |
| Earnings coverage of net charge-offs (x) | 0.0697% | 6,094 |
| Efficiency ratio | 98.4388% | 1,184 |
| Assets per employee ($millions) | 2.7832% | 6,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3509% | 7,793 |
| Loan loss allowance to noncurrent loans | 11.8984% | 7,332 |
| Noncurrent assets plus other real estate owned to assets | 2.8038% | 2,495 |
| Noncurrent loans to loans | 2.9492% | 2,607 |
| Net loans and leases to total assets | 71.8621% | 2,783 |
| Net loans and leases to deposits | 97.1509% | 1,196 |
| Net loans and leases to core deposits | 120.2755% | 1,929 |
| Total domestic deposits to total assets | 73.9695% | 7,019 |
| Equity capital to assets | 13.6873% | 1,256 |
| Core capital (leverage) ratio | 14.8815% | 811 |
| Tier 1 risk-based capital ratio | 24.0007% | 950 |
| Total risk-based capital ratio | 24.4089% | 1,008 |
| Memoranda: | ||
| Average total assets | $401,826,400 | 1,710 |
| Average earning assets | $356,842,200 | 1,756 |
| Average equity | $54,966,400 | 1,194 |
| Average total loans | $273,245,000 | 1,762 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8731% | 6,951 |
| Cost of funding earning assets | 2.3446% | 1,830 |
| Net interest margin | 2.5285% | 7,430 |
| Noninterest income to average assets | 1.1940% | 1,086 |
| Noninterest expense to average assets | 3.5610% | 2,119 |
| Loan and lease loss provision to assets | 0.8406% | 2,274 |
| Net operating income to assets | -0.5694% | 6,498 |
| Return on assets (ROA) | -0.4658% | 6,398 |
| Pretax return on assets | -0.7989% | 6,543 |
| Return on Equity (ROE) | -3.4060% | 6,288 |
| Retained earnings to average equity (ytd only) | -3.4060% | 6,012 |
| Net charge-offs to loans | 0.9526% | 2,072 |
| Credit loss provision to net charge-offs | 131.6684% | 3,797 |
| Earnings coverage of net charge-offs (x) | -0.1879% | 6,281 |
| Efficiency ratio | 102.8948% | 951 |
| Assets per employee ($millions) | 2.8740% | 6,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4396% | 7,784 |
| Loan loss allowance to noncurrent loans | 18.4523% | 7,172 |
| Noncurrent assets plus other real estate owned to assets | 2.7243% | 2,546 |
| Noncurrent loans to loans | 2.3824% | 3,166 |
| Net loans and leases to total assets | 66.5811% | 4,286 |
| Net loans and leases to deposits | 92.3280% | 2,184 |
| Net loans and leases to core deposits | 103.1080% | 4,046 |
| Total domestic deposits to total assets | 72.1137% | 7,196 |
| Equity capital to assets | 13.2448% | 1,601 |
| Core capital (leverage) ratio | 14.4093% | 976 |
| Tier 1 risk-based capital ratio | 23.7055% | 1,033 |
| Total risk-based capital ratio | 24.1892% | 1,085 |
| Memoranda: | ||
| Average total assets | $405,565,750 | 1,706 |
| Average earning assets | $360,420,750 | 1,751 |
| Average equity | $55,470,000 | 1,200 |
| Average total loans | $271,808,500 | 1,786 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9422% | 6,941 |
| Cost of funding earning assets | 2.3842% | 2,033 |
| Net interest margin | 2.5579% | 7,403 |
| Noninterest income to average assets | 1.0971% | 1,322 |
| Noninterest expense to average assets | 3.7024% | 1,834 |
| Loan and lease loss provision to assets | 1.2287% | 1,400 |
| Net operating income to assets | -0.9447% | 6,929 |
| Return on assets (ROA) | -0.7906% | 6,826 |
| Pretax return on assets | -1.3222% | 7,001 |
| Return on Equity (ROE) | -5.7219% | 6,682 |
| Retained earnings to average equity (ytd only) | -5.7219% | 6,408 |
| Net charge-offs to loans | 1.3781% | 1,359 |
| Credit loss provision to net charge-offs | 132.9449% | 3,511 |
| Earnings coverage of net charge-offs (x) | -0.3618% | 6,000 |
| Efficiency ratio | 109.3169% | 865 |
| Assets per employee ($millions) | 2.9946% | 6,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4457% | 7,848 |
| Loan loss allowance to noncurrent loans | 17.6603% | 7,251 |
| Noncurrent assets plus other real estate owned to assets | 3.2628% | 1,912 |
| Noncurrent loans to loans | 2.5237% | 2,864 |
| Net loans and leases to total assets | 63.8640% | 5,010 |
| Net loans and leases to deposits | 90.9624% | 2,663 |
| Net loans and leases to core deposits | 103.0971% | 4,168 |
| Total domestic deposits to total assets | 70.2092% | 7,451 |
| Equity capital to assets | 13.6930% | 1,423 |
| Core capital (leverage) ratio | 13.8749% | 1,171 |
| Tier 1 risk-based capital ratio | 23.8533% | 1,053 |
| Total risk-based capital ratio | 24.3449% | 1,104 |
| Memoranda: | ||
| Average total assets | $408,548,670 | 1,720 |
| Average earning assets | $362,716,000 | 1,766 |
| Average equity | $56,449,670 | 1,194 |
| Average total loans | $273,998,670 | 1,801 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1236% | 6,578 |
| Cost of funding earning assets | 2.4288% | 2,180 |
| Net interest margin | 2.6948% | 7,214 |
| Noninterest income to average assets | 0.7829% | 2,413 |
| Noninterest expense to average assets | 3.4408% | 2,256 |
| Loan and lease loss provision to assets | 0.1099% | 5,561 |
| Net operating income to assets | -0.3728% | 6,755 |
| Return on assets (ROA) | 0.1099% | 6,115 |
| Pretax return on assets | 0.1099% | 6,143 |
| Return on Equity (ROE) | 0.7917% | 6,189 |
| Retained earnings to average equity (ytd only) | 0.7917% | 5,341 |
| Net charge-offs to loans | 0.0802% | 4,375 |
| Credit loss provision to net charge-offs | 200.0000% | 2,207 |
| Earnings coverage of net charge-offs (x) | -4.7857% | 5,566 |
| Efficiency ratio | 107.6258% | 881 |
| Assets per employee ($millions) | 3.0394% | 6,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2255% | 8,091 |
| Loan loss allowance to noncurrent loans | 7.8449% | 7,531 |
| Noncurrent assets plus other real estate owned to assets | 3.9410% | 1,312 |
| Noncurrent loans to loans | 2.8742% | 2,273 |
| Net loans and leases to total assets | 66.2261% | 4,528 |
| Net loans and leases to deposits | 93.1163% | 2,414 |
| Net loans and leases to core deposits | 105.6363% | 3,953 |
| Total domestic deposits to total assets | 71.1219% | 7,317 |
| Equity capital to assets | 14.0119% | 1,360 |
| Core capital (leverage) ratio | 14.5080% | 1,083 |
| Tier 1 risk-based capital ratio | 24.0368% | 1,077 |
| Total risk-based capital ratio | 24.2848% | 1,162 |
| Memoranda: | ||
| Average total assets | $407,692,500 | 1,730 |
| Average earning assets | $362,326,000 | 1,780 |
| Average equity | $56,586,000 | 1,193 |
| Average total loans | $279,407,000 | 1,782 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6157% | 7,021 |
| Cost of funding earning assets | 2.9029% | 2,255 |
| Net interest margin | 2.7128% | 7,478 |
| Noninterest income to average assets | 0.8902% | 1,999 |
| Noninterest expense to average assets | 3.1337% | 3,570 |
| Loan and lease loss provision to assets | 0.1620% | 5,307 |
| Net operating income to assets | 0.0299% | 6,283 |
| Return on assets (ROA) | 0.1608% | 5,789 |
| Pretax return on assets | 0.1664% | 5,807 |
| Return on Equity (ROE) | 1.1692% | 5,868 |
| Retained earnings to average equity (ytd only) | 1.1692% | 4,530 |
| Net charge-offs to loans | 0.1810% | 4,378 |
| Credit loss provision to net charge-offs | 118.1172% | 4,552 |
| Earnings coverage of net charge-offs (x) | 1.4103% | 5,418 |
| Efficiency ratio | 93.5052% | 1,302 |
| Assets per employee ($millions) | 3.2374% | 5,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2065% | 8,156 |
| Loan loss allowance to noncurrent loans | 7.0964% | 7,533 |
| Noncurrent assets plus other real estate owned to assets | 4.1368% | 972 |
| Noncurrent loans to loans | 2.9105% | 1,850 |
| Net loans and leases to total assets | 70.5096% | 3,904 |
| Net loans and leases to deposits | 103.6561% | 1,377 |
| Net loans and leases to core deposits | 117.6197% | 2,934 |
| Total domestic deposits to total assets | 68.0226% | 7,466 |
| Equity capital to assets | 13.7494% | 1,519 |
| Core capital (leverage) ratio | 14.2382% | 1,212 |
| Tier 1 risk-based capital ratio | 23.4577% | 1,140 |
| Total risk-based capital ratio | 23.6982% | 1,229 |
| Memoranda: | ||
| Average total assets | $410,477,800 | 1,655 |
| Average earning assets | $368,734,200 | 1,688 |
| Average equity | $56,450,800 | 1,190 |
| Average total loans | $311,080,600 | 1,556 |