Home > First Federal Bank of Ohio > Performance and Condition Ratios
First Federal Bank of Ohio, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5701% | 4,367 |
| Cost of funding earning assets | 0.7728% | 3,804 |
| Net interest margin | 2.7973% | 3,673 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 2.7612% | 1,600 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.2830% | 4,054 |
| Return on assets (ROA) | 0.2736% | 4,071 |
| Pretax return on assets | 0.2736% | 4,115 |
| Return on Equity (ROE) | 1.9400% | 4,159 |
| Retained earnings to average equity (ytd only) | 1.9353% | 3,591 |
| Net charge-offs to loans | 0.0138% | 2,137 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 48.8125% | 1,308 |
| Efficiency ratio | 90.7035% | 391 |
| Assets per employee ($millions) | 4.7425% | 3,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7335% | 4,076 |
| Loan loss allowance to noncurrent loans | 765.4545% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 3,359 |
| Noncurrent loans to loans | 0.0958% | 3,065 |
| Net loans and leases to total assets | 40.7200% | 4,015 |
| Net loans and leases to deposits | 48.4607% | 3,981 |
| Net loans and leases to core deposits | 51.5802% | 4,041 |
| Total domestic deposits to total assets | 84.0400% | 2,608 |
| Equity capital to assets | 14.0925% | 669 |
| Core capital (leverage) ratio | 13.6360% | 877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.2969% | 215 |
| Memoranda: | ||
| Average total assets | $275,963,800 | 2,546 |
| Average earning assets | $254,782,200 | 2,542 |
| Average equity | $39,013,000 | 1,915 |
| Average total loans | $116,185,200 | 2,995 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5077% | 4,381 |
| Cost of funding earning assets | 0.7210% | 3,719 |
| Net interest margin | 2.7867% | 3,744 |
| Noninterest income to average assets | 0.4800% | 2,060 |
| Noninterest expense to average assets | 2.8043% | 1,428 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.2419% | 4,191 |
| Return on assets (ROA) | 0.2293% | 4,215 |
| Pretax return on assets | 0.2293% | 4,223 |
| Return on Equity (ROE) | 1.6200% | 4,243 |
| Retained earnings to average equity (ytd only) | 1.6209% | 3,814 |
| Net charge-offs to loans | 0.0183% | 1,767 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 31.1875% | 1,573 |
| Efficiency ratio | 92.0579% | 318 |
| Assets per employee ($millions) | 4.5495% | 3,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7591% | 4,055 |
| Loan loss allowance to noncurrent loans | 1,275.7576% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.0238% | 3,577 |
| Noncurrent loans to loans | 0.0595% | 3,329 |
| Net loans and leases to total assets | 39.6700% | 4,069 |
| Net loans and leases to deposits | 47.1890% | 4,027 |
| Net loans and leases to core deposits | 49.9240% | 4,043 |
| Total domestic deposits to total assets | 84.0600% | 2,758 |
| Equity capital to assets | 14.1071% | 631 |
| Core capital (leverage) ratio | 13.6136% | 898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.3789% | 226 |
| Memoranda: | ||
| Average total assets | $275,002,750 | 2,559 |
| Average earning assets | $253,721,000 | 2,556 |
| Average equity | $38,908,250 | 1,904 |
| Average total loans | $116,533,500 | 2,995 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4569% | 4,384 |
| Cost of funding earning assets | 0.6851% | 3,528 |
| Net interest margin | 2.7719% | 3,868 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 2.7903% | 1,434 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.2488% | 4,233 |
| Return on assets (ROA) | 0.2298% | 4,270 |
| Pretax return on assets | 0.2298% | 4,286 |
| Return on Equity (ROE) | 1.6200% | 4,310 |
| Retained earnings to average equity (ytd only) | 1.6226% | 3,798 |
| Net charge-offs to loans | 0.0270% | 1,352 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 21.3125% | 1,724 |
| Efficiency ratio | 91.8147% | 301 |
| Assets per employee ($millions) | 4.7333% | 3,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7013% | 4,180 |
| Loan loss allowance to noncurrent loans | 507.8788% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.0601% | 3,160 |
| Noncurrent loans to loans | 0.1381% | 2,779 |
| Net loans and leases to total assets | 43.2200% | 3,915 |
| Net loans and leases to deposits | 51.4458% | 3,861 |
| Net loans and leases to core deposits | 54.2183% | 3,885 |
| Total domestic deposits to total assets | 84.0100% | 2,811 |
| Equity capital to assets | 14.2030% | 622 |
| Core capital (leverage) ratio | 13.4388% | 895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.2491% | 217 |
| Memoranda: | ||
| Average total assets | $274,164,000 | 2,564 |
| Average earning assets | $252,826,667 | 2,565 |
| Average equity | $38,827,667 | 1,914 |
| Average total loans | $118,402,667 | 2,969 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3666% | 4,398 |
| Cost of funding earning assets | 0.5497% | 3,535 |
| Net interest margin | 2.8168% | 3,928 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 2.8090% | 1,410 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.2380% | 4,318 |
| Return on assets (ROA) | 0.2000% | 4,318 |
| Pretax return on assets | 0.2000% | 4,338 |
| Return on Equity (ROE) | 1.4100% | 4,350 |
| Retained earnings to average equity (ytd only) | 1.4144% | 3,800 |
| Net charge-offs to loans | 0.0475% | 888 |
| Credit loss provision to net charge-offs | -14.2857% | 4,565 |
| Earnings coverage of net charge-offs (x) | 11.5000% | 1,636 |
| Efficiency ratio | 92.2782% | 297 |
| Assets per employee ($millions) | 4.6808% | 3,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6901% | 4,255 |
| Loan loss allowance to noncurrent loans | 693.2203% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.0427% | 3,355 |
| Noncurrent loans to loans | 0.0996% | 3,044 |
| Net loans and leases to total assets | 42.6200% | 3,924 |
| Net loans and leases to deposits | 50.5653% | 3,868 |
| Net loans and leases to core deposits | 53.1917% | 3,863 |
| Total domestic deposits to total assets | 84.2900% | 3,031 |
| Equity capital to assets | 14.0544% | 592 |
| Core capital (leverage) ratio | 13.5826% | 813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.9279% | 217 |
| Memoranda: | ||
| Average total assets | $273,979,000 | 2,592 |
| Average earning assets | $252,483,500 | 2,604 |
| Average equity | $38,745,500 | 1,938 |
| Average total loans | $117,861,000 | 3,001 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8968% | 4,241 |
| Cost of funding earning assets | 0.2420% | 3,394 |
| Net interest margin | 2.6548% | 4,109 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 2.6984% | 1,561 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.2202% | 4,435 |
| Return on assets (ROA) | 0.2202% | 4,415 |
| Pretax return on assets | 0.2202% | 4,428 |
| Return on Equity (ROE) | 1.6100% | 4,422 |
| Retained earnings to average equity (ytd only) | 1.6079% | 4,073 |
| Net charge-offs to loans | 0.0192% | 1,715 |
| Credit loss provision to net charge-offs | 154.5455% | 1,282 |
| Earnings coverage of net charge-offs (x) | 28.8182% | 1,706 |
| Efficiency ratio | 92.0601% | 262 |
| Assets per employee ($millions) | 4.6066% | 3,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7236% | 4,176 |
| Loan loss allowance to noncurrent loans | 507.7844% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.0614% | 3,191 |
| Noncurrent loans to loans | 0.1425% | 2,799 |
| Net loans and leases to total assets | 42.8100% | 3,939 |
| Net loans and leases to deposits | 50.9596% | 3,858 |
| Net loans and leases to core deposits | 51.6478% | 3,917 |
| Total domestic deposits to total assets | 84.0000% | 3,207 |
| Equity capital to assets | 14.2306% | 551 |
| Core capital (leverage) ratio | 13.3833% | 846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.8262% | 205 |
| Memoranda: | ||
| Average total assets | $272,419,400 | 2,593 |
| Average earning assets | $250,038,600 | 2,614 |
| Average equity | $37,316,800 | 2,024 |
| Average total loans | $114,591,600 | 2,983 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7768% | 4,215 |
| Cost of funding earning assets | 0.2399% | 2,820 |
| Net interest margin | 2.5369% | 4,183 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 2.7519% | 1,344 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.0763% | 4,558 |
| Return on assets (ROA) | 0.0763% | 4,530 |
| Pretax return on assets | 0.0763% | 4,526 |
| Return on Equity (ROE) | 0.5600% | 4,528 |
| Retained earnings to average equity (ytd only) | 0.5625% | 4,267 |
| Net charge-offs to loans | 0.0269% | 1,286 |
| Credit loss provision to net charge-offs | 73.9130% | 1,442 |
| Earnings coverage of net charge-offs (x) | 7.5217% | 2,069 |
| Efficiency ratio | 97.0167% | 189 |
| Assets per employee ($millions) | 4.6544% | 3,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7026% | 4,243 |
| Loan loss allowance to noncurrent loans | 697.4790% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 3,471 |
| Noncurrent loans to loans | 0.1007% | 3,154 |
| Net loans and leases to total assets | 42.7200% | 3,955 |
| Net loans and leases to deposits | 50.7039% | 3,809 |
| Net loans and leases to core deposits | 51.2892% | 3,890 |
| Total domestic deposits to total assets | 84.2400% | 3,446 |
| Equity capital to assets | 13.5246% | 612 |
| Core capital (leverage) ratio | 13.2503% | 841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.2225% | 218 |
| Memoranda: | ||
| Average total assets | $272,577,250 | 2,610 |
| Average earning assets | $250,062,750 | 2,633 |
| Average equity | $36,976,750 | 2,066 |
| Average total loans | $113,940,500 | 2,996 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6321% | 4,241 |
| Cost of funding earning assets | 0.2431% | 2,355 |
| Net interest margin | 2.3889% | 4,242 |
| Noninterest income to average assets | 0.5120% | 2,134 |
| Noninterest expense to average assets | 2.7900% | 1,195 |
| Loan and lease loss provision to assets | 0.0044% | 2,528 |
| Net operating income to assets | -0.0927% | 4,614 |
| Return on assets (ROA) | -0.0927% | 4,585 |
| Pretax return on assets | -0.0927% | 4,573 |
| Return on Equity (ROE) | -0.6825% | 4,580 |
| Retained earnings to average equity (ytd only) | -0.6825% | 4,262 |
| Net charge-offs to loans | 0.0124% | 1,540 |
| Credit loss provision to net charge-offs | 85.7143% | 1,360 |
| Earnings coverage of net charge-offs (x) | -17.1429% | 2,137 |
| Efficiency ratio | 103.2671% | 161 |
| Assets per employee ($millions) | 4.5067% | 4,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7061% | 4,322 |
| Loan loss allowance to noncurrent loans | 303.6364% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 0.1000% | 3,005 |
| Noncurrent loans to loans | 0.2325% | 2,557 |
| Net loans and leases to total assets | 42.7144% | 3,919 |
| Net loans and leases to deposits | 50.6478% | 3,778 |
| Net loans and leases to core deposits | 51.3273% | 3,852 |
| Total domestic deposits to total assets | 84.3362% | 3,615 |
| Equity capital to assets | 13.4074% | 593 |
| Core capital (leverage) ratio | 13.2543% | 757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.9920% | 191 |
| Memoranda: | ||
| Average total assets | $271,899,667 | 2,636 |
| Average earning assets | $249,231,333 | 2,676 |
| Average equity | $36,922,333 | 2,116 |
| Average total loans | $112,543,667 | 3,038 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5975% | 4,121 |
| Cost of funding earning assets | 0.2504% | 2,158 |
| Net interest margin | 2.3471% | 4,157 |
| Noninterest income to average assets | 0.5296% | 1,996 |
| Noninterest expense to average assets | 2.7589% | 1,235 |
| Loan and lease loss provision to assets | 0.0074% | 2,181 |
| Net operating income to assets | -0.0873% | 4,588 |
| Return on assets (ROA) | -0.0873% | 4,571 |
| Pretax return on assets | -0.0873% | 4,564 |
| Return on Equity (ROE) | -0.6386% | 4,569 |
| Retained earnings to average equity (ytd only) | -0.6386% | 4,102 |
| Net charge-offs to loans | 0.0255% | 1,062 |
| Credit loss provision to net charge-offs | 71.4286% | 1,134 |
| Earnings coverage of net charge-offs (x) | -7.7143% | 1,812 |
| Efficiency ratio | 102.9818% | 202 |
| Assets per employee ($millions) | 4.4609% | 4,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7569% | 4,307 |
| Loan loss allowance to noncurrent loans | 608.7591% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.0503% | 3,540 |
| Noncurrent loans to loans | 0.1243% | 3,199 |
| Net loans and leases to total assets | 40.1890% | 3,997 |
| Net loans and leases to deposits | 47.9252% | 3,870 |
| Net loans and leases to core deposits | 48.5710% | 3,957 |
| Total domestic deposits to total assets | 83.8577% | 3,797 |
| Equity capital to assets | 13.5698% | 592 |
| Core capital (leverage) ratio | 13.4725% | 676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.9230% | 178 |
| Memoranda: | ||
| Average total assets | $270,396,000 | 2,662 |
| Average earning assets | $247,624,500 | 2,694 |
| Average equity | $36,954,500 | 2,179 |
| Average total loans | $109,685,500 | 3,068 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4607% | 4,509 |
| Cost of funding earning assets | 0.3834% | 1,656 |
| Net interest margin | 2.0773% | 4,554 |
| Noninterest income to average assets | 0.7571% | 1,576 |
| Noninterest expense to average assets | 3.0181% | 952 |
| Loan and lease loss provision to assets | -0.0596% | 4,403 |
| Net operating income to assets | -0.3037% | 4,734 |
| Return on assets (ROA) | -0.3018% | 4,741 |
| Pretax return on assets | -0.3018% | 4,744 |
| Return on Equity (ROE) | -2.1437% | 4,737 |
| Retained earnings to average equity (ytd only) | -2.1437% | 4,632 |
| Net charge-offs to loans | -0.1915% | 4,702 |
| Credit loss provision to net charge-offs | 76.0766% | 1,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.6864% | 82 |
| Assets per employee ($millions) | 4.4780% | 4,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7657% | 4,320 |
| Loan loss allowance to noncurrent loans | 469.6629% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.0662% | 3,503 |
| Noncurrent loans to loans | 0.1630% | 3,125 |
| Net loans and leases to total assets | 40.3238% | 4,074 |
| Net loans and leases to deposits | 48.3245% | 3,977 |
| Net loans and leases to core deposits | 48.9827% | 4,055 |
| Total domestic deposits to total assets | 83.4439% | 3,710 |
| Equity capital to assets | 13.7651% | 712 |
| Core capital (leverage) ratio | 13.5872% | 680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.9752% | 185 |
| Memoranda: | ||
| Average total assets | $266,689,000 | 2,625 |
| Average earning assets | $243,634,200 | 2,658 |
| Average equity | $37,552,600 | 2,174 |
| Average total loans | $109,149,000 | 3,088 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4687% | 4,590 |
| Cost of funding earning assets | 0.4092% | 1,631 |
| Net interest margin | 2.0595% | 4,649 |
| Noninterest income to average assets | 0.7413% | 1,693 |
| Noninterest expense to average assets | 2.7313% | 1,511 |
| Loan and lease loss provision to assets | 0.0229% | 2,533 |
| Net operating income to assets | -0.1322% | 4,781 |
| Return on assets (ROA) | -0.1297% | 4,788 |
| Pretax return on assets | -0.1297% | 4,785 |
| Return on Equity (ROE) | -0.9161% | 4,788 |
| Retained earnings to average equity (ytd only) | -0.9161% | 4,655 |
| Net charge-offs to loans | -0.2541% | 4,794 |
| Credit loss provision to net charge-offs | -22.1154% | 3,087 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.1643% | 129 |
| Assets per employee ($millions) | 4.4497% | 4,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9660% | 3,954 |
| Loan loss allowance to noncurrent loans | 641.9753% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.0607% | 3,712 |
| Noncurrent loans to loans | 0.1505% | 3,366 |
| Net loans and leases to total assets | 39.9363% | 4,211 |
| Net loans and leases to deposits | 48.9092% | 4,070 |
| Net loans and leases to core deposits | 49.5391% | 4,168 |
| Total domestic deposits to total assets | 81.6541% | 3,986 |
| Equity capital to assets | 14.0572% | 728 |
| Core capital (leverage) ratio | 13.7799% | 685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.1903% | 178 |
| Memoranda: | ||
| Average total assets | $266,191,250 | 2,652 |
| Average earning assets | $243,095,750 | 2,678 |
| Average equity | $37,694,750 | 2,193 |
| Average total loans | $109,141,750 | 3,130 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4781% | 4,634 |
| Cost of funding earning assets | 0.4207% | 1,731 |
| Net interest margin | 2.0574% | 4,676 |
| Noninterest income to average assets | 0.7761% | 1,593 |
| Noninterest expense to average assets | 2.7541% | 1,456 |
| Loan and lease loss provision to assets | 0.0241% | 2,489 |
| Net operating income to assets | -0.1226% | 4,810 |
| Return on assets (ROA) | -0.1188% | 4,815 |
| Pretax return on assets | -0.1188% | 4,808 |
| Return on Equity (ROE) | -0.8371% | 4,815 |
| Retained earnings to average equity (ytd only) | -0.8371% | 4,591 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.7100% | 134 |
| Assets per employee ($millions) | 4.4007% | 4,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7643% | 4,430 |
| Loan loss allowance to noncurrent loans | 531.1688% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.0574% | 3,849 |
| Noncurrent loans to loans | 0.1439% | 3,482 |
| Net loans and leases to total assets | 39.5660% | 4,303 |
| Net loans and leases to deposits | 48.3827% | 4,192 |
| Net loans and leases to core deposits | 49.0417% | 4,280 |
| Total domestic deposits to total assets | 81.7773% | 3,962 |
| Equity capital to assets | 14.0181% | 713 |
| Core capital (leverage) ratio | 13.6614% | 684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.1748% | 186 |
| Memoranda: | ||
| Average total assets | $265,928,333 | 2,640 |
| Average earning assets | $242,930,000 | 2,675 |
| Average equity | $37,749,667 | 2,188 |
| Average total loans | $109,635,000 | 3,134 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5826% | 4,584 |
| Cost of funding earning assets | 0.4296% | 1,866 |
| Net interest margin | 2.1530% | 4,650 |
| Noninterest income to average assets | 0.8645% | 1,421 |
| Noninterest expense to average assets | 2.7476% | 1,493 |
| Loan and lease loss provision to assets | 0.0257% | 2,446 |
| Net operating income to assets | 0.0605% | 4,746 |
| Return on assets (ROA) | 0.0605% | 4,755 |
| Pretax return on assets | 0.0605% | 4,755 |
| Return on Equity (ROE) | 0.4232% | 4,761 |
| Retained earnings to average equity (ytd only) | 0.4232% | 4,316 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9600% | 233 |
| Assets per employee ($millions) | 4.5002% | 4,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7457% | 4,496 |
| Loan loss allowance to noncurrent loans | 128.6859% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 0.2311% | 2,993 |
| Noncurrent loans to loans | 0.5795% | 2,120 |
| Net loans and leases to total assets | 39.5826% | 4,362 |
| Net loans and leases to deposits | 48.3602% | 4,252 |
| Net loans and leases to core deposits | 49.0176% | 4,338 |
| Total domestic deposits to total assets | 81.8496% | 3,918 |
| Equity capital to assets | 14.0102% | 669 |
| Core capital (leverage) ratio | 14.1620% | 626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.6027% | 209 |
| Memoranda: | ||
| Average total assets | $264,670,000 | 2,629 |
| Average earning assets | $242,078,000 | 2,666 |
| Average equity | $37,809,000 | 2,169 |
| Average total loans | $110,937,000 | 3,119 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1836% | 4,472 |
| Cost of funding earning assets | 0.5360% | 2,711 |
| Net interest margin | 2.6476% | 4,441 |
| Noninterest income to average assets | 0.9226% | 1,212 |
| Noninterest expense to average assets | 3.0426% | 1,341 |
| Loan and lease loss provision to assets | 0.0642% | 3,575 |
| Net operating income to assets | 0.2139% | 4,554 |
| Return on assets (ROA) | 0.3753% | 4,376 |
| Pretax return on assets | 0.3753% | 4,452 |
| Return on Equity (ROE) | 2.4757% | 4,486 |
| Retained earnings to average equity (ytd only) | 2.4757% | 3,618 |
| Net charge-offs to loans | 0.2185% | 795 |
| Credit loss provision to net charge-offs | 67.2340% | 3,061 |
| Earnings coverage of net charge-offs (x) | 2.9106% | 3,125 |
| Efficiency ratio | 91.6248% | 327 |
| Assets per employee ($millions) | 4.3222% | 4,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6883% | 4,604 |
| Loan loss allowance to noncurrent loans | 111.8065% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 0.2711% | 2,944 |
| Noncurrent loans to loans | 0.6156% | 2,158 |
| Net loans and leases to total assets | 43.7312% | 4,263 |
| Net loans and leases to deposits | 53.8914% | 4,115 |
| Net loans and leases to core deposits | 54.6668% | 4,225 |
| Total domestic deposits to total assets | 81.1468% | 3,840 |
| Equity capital to assets | 14.5718% | 663 |
| Core capital (leverage) ratio | 14.5843% | 570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.8938% | 196 |
| Memoranda: | ||
| Average total assets | $245,941,800 | 2,600 |
| Average earning assets | $222,767,600 | 2,651 |
| Average equity | $37,282,800 | 2,118 |
| Average total loans | $107,556,400 | 3,127 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3181% | 4,451 |
| Cost of funding earning assets | 0.5590% | 2,872 |
| Net interest margin | 2.7591% | 4,392 |
| Noninterest income to average assets | 0.8733% | 1,304 |
| Noninterest expense to average assets | 3.1184% | 1,205 |
| Loan and lease loss provision to assets | 0.0746% | 3,386 |
| Net operating income to assets | 0.1731% | 4,630 |
| Return on assets (ROA) | 0.3913% | 4,344 |
| Pretax return on assets | 0.3913% | 4,444 |
| Return on Equity (ROE) | 2.5549% | 4,469 |
| Retained earnings to average equity (ytd only) | 2.5549% | 3,707 |
| Net charge-offs to loans | 0.2959% | 532 |
| Credit loss provision to net charge-offs | 57.8723% | 2,861 |
| Earnings coverage of net charge-offs (x) | 1.9191% | 3,030 |
| Efficiency ratio | 92.6367% | 291 |
| Assets per employee ($millions) | 4.0574% | 4,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6671% | 4,630 |
| Loan loss allowance to noncurrent loans | 107.6056% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 0.4469% | 2,399 |
| Noncurrent loans to loans | 0.6199% | 2,252 |
| Net loans and leases to total assets | 45.9667% | 4,316 |
| Net loans and leases to deposits | 57.2706% | 4,197 |
| Net loans and leases to core deposits | 58.1033% | 4,299 |
| Total domestic deposits to total assets | 80.2623% | 3,807 |
| Equity capital to assets | 15.1676% | 601 |
| Core capital (leverage) ratio | 14.5942% | 610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.0492% | 216 |
| Memoranda: | ||
| Average total assets | $242,594,750 | 2,610 |
| Average earning assets | $219,195,750 | 2,665 |
| Average equity | $37,156,250 | 2,115 |
| Average total loans | $105,897,000 | 3,156 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4432% | 4,491 |
| Cost of funding earning assets | 0.5812% | 3,077 |
| Net interest margin | 2.8620% | 4,367 |
| Noninterest income to average assets | 0.6715% | 1,847 |
| Noninterest expense to average assets | 3.1590% | 1,228 |
| Loan and lease loss provision to assets | 0.0896% | 3,151 |
| Net operating income to assets | 0.0058% | 4,772 |
| Return on assets (ROA) | 0.3337% | 4,415 |
| Pretax return on assets | 0.3337% | 4,493 |
| Return on Equity (ROE) | 2.1713% | 4,499 |
| Retained earnings to average equity (ytd only) | 2.1713% | 3,689 |
| Net charge-offs to loans | 0.4077% | 389 |
| Credit loss provision to net charge-offs | 51.4286% | 2,618 |
| Earnings coverage of net charge-offs (x) | 0.5476% | 2,915 |
| Efficiency ratio | 97.0671% | 222 |
| Assets per employee ($millions) | 4.1269% | 4,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7080% | 4,548 |
| Loan loss allowance to noncurrent loans | 23.5622% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 1.4660% | 645 |
| Noncurrent loans to loans | 3.0046% | 318 |
| Net loans and leases to total assets | 43.1611% | 4,496 |
| Net loans and leases to deposits | 53.5877% | 4,393 |
| Net loans and leases to core deposits | 54.4965% | 4,481 |
| Total domestic deposits to total assets | 80.5429% | 3,715 |
| Equity capital to assets | 15.0352% | 614 |
| Core capital (leverage) ratio | 14.9140% | 591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.3486% | 193 |
| Memoranda: | ||
| Average total assets | $240,959,333 | 2,600 |
| Average earning assets | $217,470,333 | 2,651 |
| Average equity | $37,028,333 | 2,117 |
| Average total loans | $103,018,667 | 3,189 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5435% | 4,593 |
| Cost of funding earning assets | 0.6227% | 3,317 |
| Net interest margin | 2.9208% | 4,402 |
| Noninterest income to average assets | 0.5723% | 2,164 |
| Noninterest expense to average assets | 3.1056% | 1,624 |
| Loan and lease loss provision to assets | 0.0690% | 2,888 |
| Net operating income to assets | 0.0269% | 4,731 |
| Return on assets (ROA) | 0.5151% | 3,916 |
| Pretax return on assets | 0.5151% | 4,097 |
| Return on Equity (ROE) | 3.3146% | 4,138 |
| Retained earnings to average equity (ytd only) | 3.3146% | 2,953 |
| Net charge-offs to loans | 0.8261% | 178 |
| Credit loss provision to net charge-offs | 19.7115% | 2,204 |
| Earnings coverage of net charge-offs (x) | 0.2740% | 2,478 |
| Efficiency ratio | 97.0032% | 298 |
| Assets per employee ($millions) | 3.7406% | 4,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6844% | 4,638 |
| Loan loss allowance to noncurrent loans | 114.4737% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 0.4260% | 2,769 |
| Noncurrent loans to loans | 0.5979% | 2,500 |
| Net loans and leases to total assets | 42.8550% | 4,553 |
| Net loans and leases to deposits | 53.8308% | 4,454 |
| Net loans and leases to core deposits | 55.0071% | 4,531 |
| Total domestic deposits to total assets | 79.6105% | 3,928 |
| Equity capital to assets | 15.7125% | 632 |
| Core capital (leverage) ratio | 15.2105% | 649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.6255% | 241 |
| Memoranda: | ||
| Average total assets | $237,633,000 | 2,573 |
| Average earning assets | $213,914,500 | 2,629 |
| Average equity | $36,928,000 | 2,115 |
| Average total loans | $100,711,000 | 3,215 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7975% | 4,569 |
| Cost of funding earning assets | 0.6035% | 3,620 |
| Net interest margin | 3.1941% | 4,197 |
| Noninterest income to average assets | 0.5767% | 2,326 |
| Noninterest expense to average assets | 3.0061% | 1,998 |
| Loan and lease loss provision to assets | 0.0421% | 3,168 |
| Net operating income to assets | 0.3845% | 4,621 |
| Return on assets (ROA) | 0.3845% | 4,651 |
| Pretax return on assets | 0.3845% | 4,738 |
| Return on Equity (ROE) | 2.5075% | 4,744 |
| Retained earnings to average equity (ytd only) | 2.5075% | 3,778 |
| Net charge-offs to loans | 0.0049% | 3,498 |
| Credit loss provision to net charge-offs | 2,020.0000% | 185 |
| Earnings coverage of net charge-offs (x) | 204.6000% | 395 |
| Efficiency ratio | 87.5729% | 462 |
| Assets per employee ($millions) | 3.5762% | 4,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8653% | 4,102 |
| Loan loss allowance to noncurrent loans | 118.0575% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.4704% | 2,524 |
| Noncurrent loans to loans | 0.7329% | 2,048 |
| Net loans and leases to total assets | 41.2640% | 4,694 |
| Net loans and leases to deposits | 51.6290% | 4,619 |
| Net loans and leases to core deposits | 53.2268% | 4,670 |
| Total domestic deposits to total assets | 79.9241% | 3,994 |
| Equity capital to assets | 15.3702% | 713 |
| Core capital (leverage) ratio | 15.0484% | 681 |
| Tier 1 risk-based capital ratio | 34.4560% | 342 |
| Total risk-based capital ratio | 35.2421% | 349 |
| Memoranda: | ||
| Average total assets | $239,808,800 | 2,525 |
| Average earning assets | $214,428,600 | 2,570 |
| Average equity | $36,769,400 | 2,062 |
| Average total loans | $102,106,600 | 3,201 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8533% | 4,603 |
| Cost of funding earning assets | 0.6188% | 3,591 |
| Net interest margin | 3.2346% | 4,224 |
| Noninterest income to average assets | 0.5870% | 2,276 |
| Noninterest expense to average assets | 2.8944% | 2,279 |
| Loan and lease loss provision to assets | 0.0478% | 2,936 |
| Net operating income to assets | 0.5303% | 4,451 |
| Return on assets (ROA) | 0.5303% | 4,502 |
| Pretax return on assets | 0.5303% | 4,654 |
| Return on Equity (ROE) | 3.4607% | 4,687 |
| Retained earnings to average equity (ytd only) | 3.4607% | 3,677 |
| Net charge-offs to loans | 0.0026% | 3,338 |
| Credit loss provision to net charge-offs | 4,300.0000% | 97 |
| Earnings coverage of net charge-offs (x) | 519.3371% | 190 |
| Efficiency ratio | 83.3520% | 659 |
| Assets per employee ($millions) | 3.7311% | 4,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8232% | 4,336 |
| Loan loss allowance to noncurrent loans | 105.5831% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 0.6072% | 2,179 |
| Noncurrent loans to loans | 0.7796% | 2,014 |
| Net loans and leases to total assets | 42.9369% | 4,724 |
| Net loans and leases to deposits | 53.7243% | 4,643 |
| Net loans and leases to core deposits | 55.3538% | 4,708 |
| Total domestic deposits to total assets | 79.9209% | 4,007 |
| Equity capital to assets | 15.7172% | 695 |
| Core capital (leverage) ratio | 15.6636% | 613 |
| Tier 1 risk-based capital ratio | 34.8284% | 349 |
| Total risk-based capital ratio | 35.6092% | 357 |
| Memoranda: | ||
| Average total assets | $239,859,500 | 2,542 |
| Average earning assets | $213,974,500 | 2,599 |
| Average equity | $36,754,750 | 2,078 |
| Average total loans | $102,699,750 | 3,227 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8574% | 4,627 |
| Cost of funding earning assets | 0.5987% | 3,658 |
| Net interest margin | 3.2587% | 4,224 |
| Noninterest income to average assets | 0.5678% | 2,299 |
| Noninterest expense to average assets | 2.8591% | 2,385 |
| Loan and lease loss provision to assets | 0.0508% | 2,802 |
| Net operating income to assets | 0.5720% | 4,379 |
| Return on assets (ROA) | 0.5720% | 4,416 |
| Pretax return on assets | 0.5720% | 4,590 |
| Return on Equity (ROE) | 3.7648% | 4,637 |
| Retained earnings to average equity (ytd only) | 3.7648% | 3,372 |
| Net charge-offs to loans | 0.0059% | 2,941 |
| Credit loss provision to net charge-offs | 2,033.3333% | 180 |
| Earnings coverage of net charge-offs (x) | 249.3333% | 325 |
| Efficiency ratio | 82.1138% | 793 |
| Assets per employee ($millions) | 3.8019% | 4,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7966% | 4,453 |
| Loan loss allowance to noncurrent loans | 324.8031% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.3749% | 3,011 |
| Noncurrent loans to loans | 0.2453% | 3,659 |
| Net loans and leases to total assets | 42.8925% | 4,753 |
| Net loans and leases to deposits | 53.4490% | 4,701 |
| Net loans and leases to core deposits | 54.9640% | 4,751 |
| Total domestic deposits to total assets | 80.2494% | 3,988 |
| Equity capital to assets | 15.4984% | 710 |
| Core capital (leverage) ratio | 15.6327% | 599 |
| Tier 1 risk-based capital ratio | 33.7022% | 372 |
| Total risk-based capital ratio | 34.4426% | 379 |
| Memoranda: | ||
| Average total assets | $240,216,000 | 2,553 |
| Average earning assets | $214,810,330 | 2,602 |
| Average equity | $36,496,000 | 2,083 |
| Average total loans | $102,473,000 | 3,251 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7452% | 4,788 |
| Cost of funding earning assets | 0.5812% | 3,672 |
| Net interest margin | 3.1640% | 4,471 |
| Noninterest income to average assets | 0.5188% | 2,444 |
| Noninterest expense to average assets | 2.7003% | 2,904 |
| Loan and lease loss provision to assets | 0.0499% | 2,658 |
| Net operating income to assets | 0.6019% | 4,239 |
| Return on assets (ROA) | 0.6019% | 4,276 |
| Pretax return on assets | 0.6019% | 4,509 |
| Return on Equity (ROE) | 4.0019% | 4,575 |
| Retained earnings to average equity (ytd only) | 4.0019% | 3,315 |
| Net charge-offs to loans | 0.0078% | 2,413 |
| Credit loss provision to net charge-offs | 1,500.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 196.0000% | 396 |
| Efficiency ratio | 80.5556% | 1,003 |
| Assets per employee ($millions) | 3.8709% | 4,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7711% | 4,604 |
| Loan loss allowance to noncurrent loans | 219.0083% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.4196% | 2,909 |
| Noncurrent loans to loans | 0.3521% | 3,319 |
| Net loans and leases to total assets | 42.6270% | 4,809 |
| Net loans and leases to deposits | 52.9516% | 4,715 |
| Net loans and leases to core deposits | 54.4237% | 4,771 |
| Total domestic deposits to total assets | 80.5019% | 4,073 |
| Equity capital to assets | 15.2993% | 687 |
| Core capital (leverage) ratio | 15.5987% | 583 |
| Tier 1 risk-based capital ratio | 33.5216% | 366 |
| Total risk-based capital ratio | 34.2390% | 376 |
| Memoranda: | ||
| Average total assets | $240,563,000 | 2,579 |
| Average earning assets | $215,421,000 | 2,624 |
| Average equity | $36,183,000 | 2,087 |
| Average total loans | $101,928,500 | 3,296 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5655% | 4,840 |
| Cost of funding earning assets | 0.5192% | 3,232 |
| Net interest margin | 3.0463% | 4,739 |
| Noninterest income to average assets | 0.6465% | 2,055 |
| Noninterest expense to average assets | 2.8441% | 2,538 |
| Loan and lease loss provision to assets | 0.0274% | 3,629 |
| Net operating income to assets | 0.4817% | 4,697 |
| Return on assets (ROA) | 0.4813% | 4,701 |
| Pretax return on assets | 0.4876% | 4,815 |
| Return on Equity (ROE) | 3.2587% | 4,861 |
| Retained earnings to average equity (ytd only) | 3.2587% | 3,775 |
| Net charge-offs to loans | -0.0253% | 4,763 |
| Credit loss provision to net charge-offs | -260.0000% | 4,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6569% | 601 |
| Assets per employee ($millions) | 3.9529% | 3,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7622% | 4,642 |
| Loan loss allowance to noncurrent loans | 238.5093% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.4006% | 2,953 |
| Noncurrent loans to loans | 0.3196% | 3,403 |
| Net loans and leases to total assets | 41.4676% | 4,895 |
| Net loans and leases to deposits | 52.0944% | 4,821 |
| Net loans and leases to core deposits | 54.1423% | 4,841 |
| Total domestic deposits to total assets | 79.6009% | 4,193 |
| Equity capital to assets | 14.7838% | 768 |
| Core capital (leverage) ratio | 15.4026% | 613 |
| Tier 1 risk-based capital ratio | 33.3415% | 354 |
| Total risk-based capital ratio | 34.0414% | 371 |
| Memoranda: | ||
| Average total assets | $237,261,400 | 2,562 |
| Average earning assets | $211,303,400 | 2,628 |
| Average equity | $35,045,000 | 2,067 |
| Average total loans | $98,822,600 | 3,327 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5289% | 4,902 |
| Cost of funding earning assets | 0.5064% | 3,159 |
| Net interest margin | 3.0225% | 4,818 |
| Noninterest income to average assets | 0.6765% | 1,950 |
| Noninterest expense to average assets | 2.8591% | 2,435 |
| Loan and lease loss provision to assets | 0.0164% | 3,687 |
| Net operating income to assets | 0.4695% | 4,822 |
| Return on assets (ROA) | 0.4695% | 4,829 |
| Pretax return on assets | 0.4886% | 4,918 |
| Return on Equity (ROE) | 3.1791% | 4,980 |
| Retained earnings to average equity (ytd only) | 3.1791% | 4,156 |
| Net charge-offs to loans | 0.0136% | 2,941 |
| Credit loss provision to net charge-offs | 290.0000% | 1,052 |
| Earnings coverage of net charge-offs (x) | 89.5199% | 822 |
| Efficiency ratio | 84.9883% | 580 |
| Assets per employee ($millions) | 3.7199% | 4,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7072% | 4,863 |
| Loan loss allowance to noncurrent loans | 185.6000% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.4523% | 2,879 |
| Noncurrent loans to loans | 0.3810% | 3,286 |
| Net loans and leases to total assets | 41.6971% | 4,973 |
| Net loans and leases to deposits | 52.6288% | 4,868 |
| Net loans and leases to core deposits | 54.8278% | 4,880 |
| Total domestic deposits to total assets | 79.2287% | 4,273 |
| Equity capital to assets | 15.0214% | 714 |
| Core capital (leverage) ratio | 15.5402% | 589 |
| Tier 1 risk-based capital ratio | 34.0141% | 342 |
| Total risk-based capital ratio | 34.6691% | 351 |
| Memoranda: | ||
| Average total assets | $236,294,750 | 2,580 |
| Average earning assets | $210,110,250 | 2,653 |
| Average equity | $34,894,250 | 2,083 |
| Average total loans | $98,338,750 | 3,355 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4912% | 4,935 |
| Cost of funding earning assets | 0.4943% | 3,039 |
| Net interest margin | 2.9969% | 4,879 |
| Noninterest income to average assets | 0.7259% | 1,760 |
| Noninterest expense to average assets | 2.8716% | 2,430 |
| Loan and lease loss provision to assets | 0.0110% | 3,636 |
| Net operating income to assets | 0.4845% | 4,782 |
| Return on assets (ROA) | 0.4845% | 4,786 |
| Pretax return on assets | 0.5098% | 4,890 |
| Return on Equity (ROE) | 3.2997% | 4,963 |
| Retained earnings to average equity (ytd only) | 3.2997% | 3,923 |
| Net charge-offs to loans | 0.0529% | 1,846 |
| Credit loss provision to net charge-offs | 50.0000% | 2,490 |
| Earnings coverage of net charge-offs (x) | 23.7308% | 1,701 |
| Efficiency ratio | 84.6479% | 650 |
| Assets per employee ($millions) | 3.6790% | 4,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6808% | 4,980 |
| Loan loss allowance to noncurrent loans | 73.5619% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 0.6902% | 2,163 |
| Noncurrent loans to loans | 0.9255% | 1,871 |
| Net loans and leases to total assets | 41.2030% | 5,017 |
| Net loans and leases to deposits | 51.8340% | 4,920 |
| Net loans and leases to core deposits | 53.9015% | 4,941 |
| Total domestic deposits to total assets | 79.4903% | 4,351 |
| Equity capital to assets | 14.8768% | 710 |
| Core capital (leverage) ratio | 15.2045% | 629 |
| Tier 1 risk-based capital ratio | 33.9686% | 347 |
| Total risk-based capital ratio | 34.5966% | 355 |
| Memoranda: | ||
| Average total assets | $236,942,330 | 2,590 |
| Average earning assets | $210,815,330 | 2,660 |
| Average equity | $34,791,330 | 2,096 |
| Average total loans | $98,313,670 | 3,365 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3949% | 5,030 |
| Cost of funding earning assets | 0.4785% | 2,980 |
| Net interest margin | 2.9164% | 5,003 |
| Noninterest income to average assets | 0.4678% | 3,008 |
| Noninterest expense to average assets | 2.7936% | 2,709 |
| Loan and lease loss provision to assets | 0.0101% | 3,389 |
| Net operating income to assets | 0.1986% | 5,242 |
| Return on assets (ROA) | 0.1986% | 5,241 |
| Pretax return on assets | 0.2491% | 5,220 |
| Return on Equity (ROE) | 1.3613% | 5,272 |
| Retained earnings to average equity (ytd only) | 1.3613% | 4,526 |
| Net charge-offs to loans | 0.1054% | 1,149 |
| Credit loss provision to net charge-offs | 23.0769% | 2,107 |
| Earnings coverage of net charge-offs (x) | 5.9231% | 2,190 |
| Efficiency ratio | 91.5105% | 382 |
| Assets per employee ($millions) | 3.7150% | 4,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6674% | 5,084 |
| Loan loss allowance to noncurrent loans | 64.3836% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 0.7348% | 2,105 |
| Noncurrent loans to loans | 1.0366% | 1,763 |
| Net loans and leases to total assets | 41.1920% | 5,018 |
| Net loans and leases to deposits | 51.7593% | 4,889 |
| Net loans and leases to core deposits | 53.5136% | 4,930 |
| Total domestic deposits to total assets | 79.5836% | 4,479 |
| Equity capital to assets | 14.5588% | 764 |
| Core capital (leverage) ratio | 15.1282% | 632 |
| Tier 1 risk-based capital ratio | 33.1846% | 367 |
| Total risk-based capital ratio | 33.7988% | 381 |
| Memoranda: | ||
| Average total assets | $237,686,500 | 2,604 |
| Average earning assets | $210,671,000 | 2,686 |
| Average equity | $34,673,000 | 2,116 |
| Average total loans | $98,631,000 | 3,383 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3170% | 5,064 |
| Cost of funding earning assets | 0.4794% | 2,509 |
| Net interest margin | 2.8376% | 5,121 |
| Noninterest income to average assets | 0.5613% | 2,648 |
| Noninterest expense to average assets | 2.8525% | 2,601 |
| Loan and lease loss provision to assets | 0.0118% | 4,050 |
| Net operating income to assets | 0.1931% | 5,126 |
| Return on assets (ROA) | 0.1931% | 5,141 |
| Pretax return on assets | 0.1994% | 5,314 |
| Return on Equity (ROE) | 1.3272% | 5,180 |
| Retained earnings to average equity (ytd only) | 1.3272% | 4,482 |
| Net charge-offs to loans | 0.0765% | 2,359 |
| Credit loss provision to net charge-offs | 36.8421% | 3,470 |
| Earnings coverage of net charge-offs (x) | 6.6184% | 3,161 |
| Efficiency ratio | 93.1068% | 318 |
| Assets per employee ($millions) | 3.8360% | 4,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6872% | 5,097 |
| Loan loss allowance to noncurrent loans | 71.5190% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 0.7337% | 2,131 |
| Noncurrent loans to loans | 0.9608% | 1,843 |
| Net loans and leases to total assets | 41.2009% | 5,092 |
| Net loans and leases to deposits | 51.8299% | 4,994 |
| Net loans and leases to core deposits | 53.5726% | 5,014 |
| Total domestic deposits to total assets | 79.4925% | 4,445 |
| Equity capital to assets | 14.6945% | 736 |
| Core capital (leverage) ratio | 15.0410% | 612 |
| Tier 1 risk-based capital ratio | 33.3156% | 361 |
| Total risk-based capital ratio | 33.9477% | 372 |
| Memoranda: | ||
| Average total assets | $238,179,000 | 2,575 |
| Average earning assets | $210,039,000 | 2,668 |
| Average equity | $34,659,000 | 2,102 |
| Average total loans | $99,342,600 | 3,363 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2828% | 5,133 |
| Cost of funding earning assets | 0.4785% | 2,444 |
| Net interest margin | 2.8044% | 5,208 |
| Noninterest income to average assets | 0.5646% | 2,647 |
| Noninterest expense to average assets | 2.8533% | 2,558 |
| Loan and lease loss provision to assets | 0.0123% | 3,896 |
| Net operating income to assets | 0.1634% | 5,387 |
| Return on assets (ROA) | 0.1634% | 5,397 |
| Pretax return on assets | 0.1718% | 5,406 |
| Return on Equity (ROE) | 1.1256% | 5,416 |
| Retained earnings to average equity (ytd only) | 1.1256% | 4,938 |
| Net charge-offs to loans | 0.1018% | 1,764 |
| Credit loss provision to net charge-offs | 28.9474% | 3,091 |
| Earnings coverage of net charge-offs (x) | 4.3290% | 3,242 |
| Efficiency ratio | 93.9388% | 290 |
| Assets per employee ($millions) | 4.0153% | 3,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6737% | 5,199 |
| Loan loss allowance to noncurrent loans | 84.9367% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.7037% | 2,400 |
| Noncurrent loans to loans | 0.7932% | 2,374 |
| Net loans and leases to total assets | 41.7582% | 5,122 |
| Net loans and leases to deposits | 52.5258% | 5,026 |
| Net loans and leases to core deposits | 54.4399% | 5,057 |
| Total domestic deposits to total assets | 79.5004% | 4,439 |
| Equity capital to assets | 14.6795% | 812 |
| Core capital (leverage) ratio | 15.1460% | 634 |
| Tier 1 risk-based capital ratio | 33.2801% | 372 |
| Total risk-based capital ratio | 33.9064% | 387 |
| Memoranda: | ||
| Average total assets | $238,266,250 | 2,595 |
| Average earning assets | $210,096,750 | 2,680 |
| Average equity | $34,586,750 | 2,119 |
| Average total loans | $99,511,750 | 3,387 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2630% | 5,160 |
| Cost of funding earning assets | 0.4804% | 2,323 |
| Net interest margin | 2.7826% | 5,269 |
| Noninterest income to average assets | 0.5697% | 2,606 |
| Noninterest expense to average assets | 2.8904% | 2,457 |
| Loan and lease loss provision to assets | 0.0134% | 3,685 |
| Net operating income to assets | 0.1165% | 5,477 |
| Return on assets (ROA) | 0.1165% | 5,480 |
| Pretax return on assets | 0.1165% | 5,494 |
| Return on Equity (ROE) | 0.8052% | 5,495 |
| Retained earnings to average equity (ytd only) | 0.8052% | 4,891 |
| Net charge-offs to loans | 0.0945% | 1,671 |
| Credit loss provision to net charge-offs | 34.0426% | 2,694 |
| Earnings coverage of net charge-offs (x) | 3.2979% | 3,065 |
| Efficiency ratio | 95.7004% | 267 |
| Assets per employee ($millions) | 3.7019% | 4,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6859% | 5,242 |
| Loan loss allowance to noncurrent loans | 157.3696% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 0.6091% | 2,740 |
| Noncurrent loans to loans | 0.4358% | 3,452 |
| Net loans and leases to total assets | 42.4152% | 5,120 |
| Net loans and leases to deposits | 53.5604% | 4,986 |
| Net loans and leases to core deposits | 55.5349% | 5,019 |
| Total domestic deposits to total assets | 79.1915% | 4,585 |
| Equity capital to assets | 14.5955% | 804 |
| Core capital (leverage) ratio | 14.8990% | 653 |
| Tier 1 risk-based capital ratio | 33.0815% | 361 |
| Total risk-based capital ratio | 33.7288% | 375 |
| Memoranda: | ||
| Average total assets | $238,721,000 | 2,601 |
| Average earning assets | $210,236,330 | 2,696 |
| Average equity | $34,523,670 | 2,106 |
| Average total loans | $99,483,330 | 3,406 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2220% | 5,213 |
| Cost of funding earning assets | 0.4864% | 2,193 |
| Net interest margin | 2.7356% | 5,343 |
| Noninterest income to average assets | 0.5609% | 2,604 |
| Noninterest expense to average assets | 2.8094% | 2,765 |
| Loan and lease loss provision to assets | 0.0150% | 3,370 |
| Net operating income to assets | 0.1302% | 5,480 |
| Return on assets (ROA) | 0.1302% | 5,488 |
| Pretax return on assets | 0.1302% | 5,498 |
| Return on Equity (ROE) | 0.9045% | 5,514 |
| Retained earnings to average equity (ytd only) | 0.9045% | 4,693 |
| Net charge-offs to loans | 0.1744% | 952 |
| Credit loss provision to net charge-offs | 20.9302% | 2,167 |
| Earnings coverage of net charge-offs (x) | 2.0233% | 2,650 |
| Efficiency ratio | 95.0847% | 342 |
| Assets per employee ($millions) | 3.8533% | 4,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7100% | 5,288 |
| Loan loss allowance to noncurrent loans | 163.3570% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.5881% | 2,884 |
| Noncurrent loans to loans | 0.4346% | 3,540 |
| Net loans and leases to total assets | 40.4480% | 5,234 |
| Net loans and leases to deposits | 51.1286% | 5,061 |
| Net loans and leases to core deposits | 52.9844% | 5,109 |
| Total domestic deposits to total assets | 79.1103% | 4,804 |
| Equity capital to assets | 14.4508% | 772 |
| Core capital (leverage) ratio | 15.0166% | 600 |
| Tier 1 risk-based capital ratio | 33.3581% | 367 |
| Total risk-based capital ratio | 34.0091% | 377 |
| Memoranda: | ||
| Average total assets | $239,620,500 | 2,618 |
| Average earning assets | $209,683,500 | 2,724 |
| Average equity | $34,495,500 | 2,112 |
| Average total loans | $98,632,500 | 3,446 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2010% | 5,303 |
| Cost of funding earning assets | 0.6013% | 1,320 |
| Net interest margin | 2.5997% | 5,518 |
| Noninterest income to average assets | 0.5701% | 2,818 |
| Noninterest expense to average assets | 2.7540% | 3,176 |
| Loan and lease loss provision to assets | 0.0414% | 3,553 |
| Net operating income to assets | 0.0709% | 5,590 |
| Return on assets (ROA) | 0.0785% | 5,610 |
| Pretax return on assets | 0.0735% | 5,616 |
| Return on Equity (ROE) | 0.5376% | 5,624 |
| Retained earnings to average equity (ytd only) | 0.5376% | 5,114 |
| Net charge-offs to loans | 0.2830% | 973 |
| Credit loss provision to net charge-offs | 35.8974% | 3,541 |
| Earnings coverage of net charge-offs (x) | 0.9304% | 4,063 |
| Efficiency ratio | 96.2515% | 301 |
| Assets per employee ($millions) | 3.8148% | 4,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7254% | 5,303 |
| Loan loss allowance to noncurrent loans | 69.9807% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 0.7760% | 2,413 |
| Noncurrent loans to loans | 1.0366% | 2,007 |
| Net loans and leases to total assets | 41.2825% | 5,264 |
| Net loans and leases to deposits | 53.4898% | 5,039 |
| Net loans and leases to core deposits | 55.4955% | 5,069 |
| Total domestic deposits to total assets | 77.1784% | 5,095 |
| Equity capital to assets | 14.3413% | 785 |
| Core capital (leverage) ratio | 14.7949% | 635 |
| Tier 1 risk-based capital ratio | 32.8358% | 380 |
| Total risk-based capital ratio | 33.5092% | 396 |
| Memoranda: | ||
| Average total assets | $236,821,000 | 2,608 |
| Average earning assets | $208,712,800 | 2,709 |
| Average equity | $34,598,200 | 2,100 |
| Average total loans | $96,475,200 | 3,453 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1894% | 5,377 |
| Cost of funding earning assets | 0.5986% | 1,343 |
| Net interest margin | 2.5909% | 5,593 |
| Noninterest income to average assets | 0.5679% | 2,827 |
| Noninterest expense to average assets | 2.7401% | 3,218 |
| Loan and lease loss provision to assets | 0.0492% | 3,263 |
| Net operating income to assets | 0.0655% | 5,665 |
| Return on assets (ROA) | 0.0695% | 5,698 |
| Pretax return on assets | 0.0695% | 5,699 |
| Return on Equity (ROE) | 0.4736% | 5,702 |
| Retained earnings to average equity (ytd only) | 0.4736% | 5,235 |
| Net charge-offs to loans | 0.3668% | 611 |
| Credit loss provision to net charge-offs | 33.0798% | 3,204 |
| Earnings coverage of net charge-offs (x) | 0.7719% | 3,760 |
| Efficiency ratio | 95.9818% | 317 |
| Assets per employee ($millions) | 3.8474% | 4,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7342% | 5,344 |
| Loan loss allowance to noncurrent loans | 71.3722% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 0.9944% | 2,084 |
| Noncurrent loans to loans | 1.0287% | 2,191 |
| Net loans and leases to total assets | 40.9785% | 5,333 |
| Net loans and leases to deposits | 53.2245% | 5,152 |
| Net loans and leases to core deposits | 55.2625% | 5,186 |
| Total domestic deposits to total assets | 76.9917% | 5,089 |
| Equity capital to assets | 14.5431% | 859 |
| Core capital (leverage) ratio | 15.0243% | 629 |
| Tier 1 risk-based capital ratio | 33.8452% | 362 |
| Total risk-based capital ratio | 34.5330% | 372 |
| Memoranda: | ||
| Average total assets | $235,942,750 | 2,622 |
| Average earning assets | $208,266,250 | 2,721 |
| Average equity | $34,631,000 | 2,106 |
| Average total loans | $95,608,750 | 3,478 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2036% | 5,423 |
| Cost of funding earning assets | 0.5937% | 1,364 |
| Net interest margin | 2.6099% | 5,660 |
| Noninterest income to average assets | 0.5692% | 2,798 |
| Noninterest expense to average assets | 2.7191% | 3,317 |
| Loan and lease loss provision to assets | 0.0562% | 3,019 |
| Net operating income to assets | 0.1089% | 5,656 |
| Return on assets (ROA) | 0.0953% | 5,715 |
| Pretax return on assets | 0.0953% | 5,730 |
| Return on Equity (ROE) | 0.6472% | 5,737 |
| Retained earnings to average equity (ytd only) | 0.6472% | 5,113 |
| Net charge-offs to loans | 0.4775% | 461 |
| Credit loss provision to net charge-offs | 29.2035% | 2,864 |
| Earnings coverage of net charge-offs (x) | 0.8584% | 3,475 |
| Efficiency ratio | 94.2773% | 405 |
| Assets per employee ($millions) | 3.7817% | 4,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7953% | 5,292 |
| Loan loss allowance to noncurrent loans | 49.8654% | 4,812 |
| Noncurrent assets plus other real estate owned to assets | 1.0321% | 2,064 |
| Noncurrent loans to loans | 1.5949% | 1,344 |
| Net loans and leases to total assets | 39.4218% | 5,450 |
| Net loans and leases to deposits | 51.3957% | 5,277 |
| Net loans and leases to core deposits | 53.3907% | 5,306 |
| Total domestic deposits to total assets | 76.7026% | 5,194 |
| Equity capital to assets | 14.8291% | 778 |
| Core capital (leverage) ratio | 14.9439% | 622 |
| Tier 1 risk-based capital ratio | 34.5670% | 344 |
| Total risk-based capital ratio | 35.2870% | 353 |
| Memoranda: | ||
| Average total assets | $235,077,000 | 2,639 |
| Average earning assets | $208,517,670 | 2,725 |
| Average equity | $34,611,000 | 2,111 |
| Average total loans | $94,654,000 | 3,508 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1873% | 5,501 |
| Cost of funding earning assets | 0.5954% | 1,356 |
| Net interest margin | 2.5920% | 5,728 |
| Noninterest income to average assets | 0.4996% | 3,113 |
| Noninterest expense to average assets | 2.6646% | 3,532 |
| Loan and lease loss provision to assets | 0.0578% | 2,795 |
| Net operating income to assets | 0.0782% | 5,709 |
| Return on assets (ROA) | 0.0782% | 5,753 |
| Pretax return on assets | 0.0782% | 5,760 |
| Return on Equity (ROE) | 0.5328% | 5,765 |
| Retained earnings to average equity (ytd only) | 0.5328% | 4,983 |
| Net charge-offs to loans | -0.0126% | 4,630 |
| Credit loss provision to net charge-offs | -1,133.3333% | 4,777 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1456% | 417 |
| Assets per employee ($millions) | 3.9418% | 4,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9767% | 4,728 |
| Loan loss allowance to noncurrent loans | 48.7513% | 4,861 |
| Noncurrent assets plus other real estate owned to assets | 0.9475% | 2,338 |
| Noncurrent loans to loans | 2.0034% | 1,074 |
| Net loans and leases to total assets | 40.1681% | 5,447 |
| Net loans and leases to deposits | 52.1276% | 5,224 |
| Net loans and leases to core deposits | 54.1073% | 5,249 |
| Total domestic deposits to total assets | 77.0572% | 5,280 |
| Equity capital to assets | 14.6390% | 794 |
| Core capital (leverage) ratio | 15.0882% | 590 |
| Tier 1 risk-based capital ratio | 34.0264% | 368 |
| Total risk-based capital ratio | 34.9263% | 366 |
| Memoranda: | ||
| Average total assets | $235,383,500 | 2,648 |
| Average earning assets | $208,952,000 | 2,731 |
| Average equity | $34,532,000 | 2,115 |
| Average total loans | $95,395,500 | 3,509 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2421% | 5,450 |
| Cost of funding earning assets | 0.6359% | 1,147 |
| Net interest margin | 2.6062% | 5,752 |
| Noninterest income to average assets | 0.6139% | 2,648 |
| Noninterest expense to average assets | 2.7707% | 3,349 |
| Loan and lease loss provision to assets | 0.0770% | 2,739 |
| Net operating income to assets | 0.0706% | 5,790 |
| Return on assets (ROA) | 0.0944% | 5,804 |
| Pretax return on assets | 0.0995% | 5,802 |
| Return on Equity (ROE) | 0.6439% | 5,820 |
| Retained earnings to average equity (ytd only) | 0.6439% | 5,254 |
| Net charge-offs to loans | 0.3796% | 761 |
| Credit loss provision to net charge-offs | 49.5890% | 3,413 |
| Earnings coverage of net charge-offs (x) | 0.9753% | 4,155 |
| Efficiency ratio | 94.8173% | 448 |
| Assets per employee ($millions) | 3.7184% | 4,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9499% | 4,873 |
| Loan loss allowance to noncurrent loans | 45.5051% | 4,973 |
| Noncurrent assets plus other real estate owned to assets | 0.9950% | 2,208 |
| Noncurrent loans to loans | 2.0874% | 982 |
| Net loans and leases to total assets | 40.1061% | 5,504 |
| Net loans and leases to deposits | 52.1087% | 5,277 |
| Net loans and leases to core deposits | 54.1017% | 5,310 |
| Total domestic deposits to total assets | 76.9663% | 5,317 |
| Equity capital to assets | 14.7024% | 730 |
| Core capital (leverage) ratio | 14.9413% | 629 |
| Tier 1 risk-based capital ratio | 34.2489% | 354 |
| Total risk-based capital ratio | 35.1244% | 362 |
| Memoranda: | ||
| Average total assets | $235,071,000 | 2,620 |
| Average earning assets | $208,197,800 | 2,688 |
| Average equity | $34,477,600 | 2,069 |
| Average total loans | $96,156,400 | 3,456 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2754% | 5,449 |
| Cost of funding earning assets | 0.6483% | 1,103 |
| Net interest margin | 2.6271% | 5,807 |
| Noninterest income to average assets | 0.6143% | 2,664 |
| Noninterest expense to average assets | 2.7706% | 3,303 |
| Loan and lease loss provision to assets | 0.0907% | 2,358 |
| Net operating income to assets | 0.0743% | 5,873 |
| Return on assets (ROA) | 0.1031% | 5,883 |
| Pretax return on assets | 0.1071% | 5,885 |
| Return on Equity (ROE) | 0.7036% | 5,897 |
| Retained earnings to average equity (ytd only) | 0.7036% | 5,404 |
| Net charge-offs to loans | 0.4533% | 556 |
| Credit loss provision to net charge-offs | 48.7805% | 3,051 |
| Earnings coverage of net charge-offs (x) | 0.9025% | 3,898 |
| Efficiency ratio | 94.2912% | 476 |
| Assets per employee ($millions) | 3.6712% | 4,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9467% | 4,992 |
| Loan loss allowance to noncurrent loans | 26.7737% | 5,489 |
| Noncurrent assets plus other real estate owned to assets | 1.6949% | 1,273 |
| Noncurrent loans to loans | 3.5361% | 437 |
| Net loans and leases to total assets | 41.4820% | 5,515 |
| Net loans and leases to deposits | 54.0832% | 5,250 |
| Net loans and leases to core deposits | 56.1853% | 5,300 |
| Total domestic deposits to total assets | 76.7003% | 5,393 |
| Equity capital to assets | 14.9097% | 760 |
| Core capital (leverage) ratio | 15.1832% | 605 |
| Tier 1 risk-based capital ratio | 34.0387% | 378 |
| Total risk-based capital ratio | 34.9232% | 384 |
| Memoranda: | ||
| Average total assets | $235,273,500 | 2,635 |
| Average earning assets | $208,129,250 | 2,720 |
| Average equity | $34,486,500 | 2,081 |
| Average total loans | $96,482,000 | 3,479 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2655% | 5,506 |
| Cost of funding earning assets | 0.6521% | 1,089 |
| Net interest margin | 2.6133% | 5,872 |
| Noninterest income to average assets | 0.5875% | 2,810 |
| Noninterest expense to average assets | 2.7269% | 3,503 |
| Loan and lease loss provision to assets | 0.0871% | 2,366 |
| Net operating income to assets | 0.0879% | 5,888 |
| Return on assets (ROA) | 0.0879% | 5,930 |
| Pretax return on assets | 0.0904% | 5,936 |
| Return on Equity (ROE) | 0.6031% | 5,953 |
| Retained earnings to average equity (ytd only) | 0.6031% | 5,319 |
| Net charge-offs to loans | 0.5500% | 446 |
| Credit loss provision to net charge-offs | 38.8679% | 2,831 |
| Earnings coverage of net charge-offs (x) | 0.7925% | 3,622 |
| Efficiency ratio | 93.8882% | 520 |
| Assets per employee ($millions) | 3.7340% | 4,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9505% | 5,094 |
| Loan loss allowance to noncurrent loans | 25.4200% | 5,593 |
| Noncurrent assets plus other real estate owned to assets | 1.6723% | 1,426 |
| Noncurrent loans to loans | 3.7390% | 449 |
| Net loans and leases to total assets | 40.8893% | 5,579 |
| Net loans and leases to deposits | 52.9355% | 5,320 |
| Net loans and leases to core deposits | 55.5923% | 5,334 |
| Total domestic deposits to total assets | 77.2437% | 5,419 |
| Equity capital to assets | 14.6544% | 783 |
| Core capital (leverage) ratio | 14.7457% | 665 |
| Tier 1 risk-based capital ratio | 33.6616% | 404 |
| Total risk-based capital ratio | 34.5448% | 412 |
| Memoranda: | ||
| Average total assets | $236,602,670 | 2,643 |
| Average earning assets | $209,771,330 | 2,711 |
| Average equity | $34,487,330 | 2,095 |
| Average total loans | $96,356,330 | 3,500 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1351% | 5,745 |
| Cost of funding earning assets | 0.6594% | 1,055 |
| Net interest margin | 2.4757% | 6,047 |
| Noninterest income to average assets | 0.5529% | 2,935 |
| Noninterest expense to average assets | 2.6753% | 3,675 |
| Loan and lease loss provision to assets | 0.0539% | 2,862 |
| Net operating income to assets | 0.0135% | 6,002 |
| Return on assets (ROA) | 0.0135% | 6,040 |
| Pretax return on assets | 0.0135% | 6,036 |
| Return on Equity (ROE) | 0.0928% | 6,044 |
| Retained earnings to average equity (ytd only) | 0.0928% | 5,341 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5415% | 447 |
| Assets per employee ($millions) | 3.8271% | 4,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1626% | 4,186 |
| Loan loss allowance to noncurrent loans | 24.7228% | 5,658 |
| Noncurrent assets plus other real estate owned to assets | 2.0398% | 1,162 |
| Noncurrent loans to loans | 4.7027% | 310 |
| Net loans and leases to total assets | 39.9481% | 5,601 |
| Net loans and leases to deposits | 51.5292% | 5,359 |
| Net loans and leases to core deposits | 54.0793% | 5,365 |
| Total domestic deposits to total assets | 77.5251% | 5,529 |
| Equity capital to assets | 14.5526% | 818 |
| Core capital (leverage) ratio | 14.8660% | 628 |
| Tier 1 risk-based capital ratio | 33.5446% | 405 |
| Total risk-based capital ratio | 34.6023% | 406 |
| Memoranda: | ||
| Average total assets | $237,284,000 | 2,659 |
| Average earning assets | $209,882,500 | 2,731 |
| Average equity | $34,494,500 | 2,099 |
| Average total loans | $95,979,000 | 3,525 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2139% | 5,820 |
| Cost of funding earning assets | 0.7077% | 1,061 |
| Net interest margin | 2.5063% | 6,150 |
| Noninterest income to average assets | 0.5539% | 3,156 |
| Noninterest expense to average assets | 3.0578% | 2,660 |
| Loan and lease loss provision to assets | 0.0522% | 3,508 |
| Net operating income to assets | -0.3491% | 6,254 |
| Return on assets (ROA) | -0.3532% | 6,251 |
| Pretax return on assets | -0.3532% | 6,237 |
| Return on Equity (ROE) | -2.4975% | 6,230 |
| Retained earnings to average equity (ytd only) | -2.4975% | 6,054 |
| Net charge-offs to loans | 0.1175% | 2,864 |
| Credit loss provision to net charge-offs | 109.5652% | 2,177 |
| Earnings coverage of net charge-offs (x) | -6.2261% | 4,898 |
| Efficiency ratio | 110.7524% | 211 |
| Assets per employee ($millions) | 3.9548% | 4,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1285% | 4,394 |
| Loan loss allowance to noncurrent loans | 24.7658% | 5,760 |
| Noncurrent assets plus other real estate owned to assets | 2.0330% | 1,247 |
| Noncurrent loans to loans | 4.5568% | 357 |
| Net loans and leases to total assets | 40.0232% | 5,747 |
| Net loans and leases to deposits | 51.5788% | 5,509 |
| Net loans and leases to core deposits | 54.1930% | 5,491 |
| Total domestic deposits to total assets | 77.5962% | 5,509 |
| Equity capital to assets | 14.5219% | 803 |
| Core capital (leverage) ratio | 14.8622% | 633 |
| Tier 1 risk-based capital ratio | 33.3289% | 387 |
| Total risk-based capital ratio | 34.3564% | 386 |
| Memoranda: | ||
| Average total assets | $241,189,000 | 2,606 |
| Average earning assets | $212,387,400 | 2,684 |
| Average equity | $34,113,800 | 2,041 |
| Average total loans | $97,850,800 | 3,468 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2393% | 5,856 |
| Cost of funding earning assets | 0.7162% | 1,071 |
| Net interest margin | 2.5231% | 6,207 |
| Noninterest income to average assets | 0.5544% | 3,173 |
| Noninterest expense to average assets | 3.2137% | 2,132 |
| Loan and lease loss provision to assets | 0.0551% | 3,272 |
| Net operating income to assets | -0.4933% | 6,368 |
| Return on assets (ROA) | -0.4729% | 6,357 |
| Pretax return on assets | -0.4729% | 6,347 |
| Return on Equity (ROE) | -3.3658% | 6,328 |
| Retained earnings to average equity (ytd only) | -3.3658% | 6,167 |
| Net charge-offs to loans | 0.1139% | 2,662 |
| Credit loss provision to net charge-offs | 119.0476% | 1,925 |
| Earnings coverage of net charge-offs (x) | -9.4760% | 4,631 |
| Efficiency ratio | 115.7905% | 164 |
| Assets per employee ($millions) | 3.8406% | 4,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1293% | 4,614 |
| Loan loss allowance to noncurrent loans | 23.0639% | 5,886 |
| Noncurrent assets plus other real estate owned to assets | 2.4391% | 1,098 |
| Noncurrent loans to loans | 4.8964% | 386 |
| Net loans and leases to total assets | 40.0765% | 5,807 |
| Net loans and leases to deposits | 51.5415% | 5,558 |
| Net loans and leases to core deposits | 54.2287% | 5,554 |
| Total domestic deposits to total assets | 77.7559% | 5,575 |
| Equity capital to assets | 14.3992% | 879 |
| Core capital (leverage) ratio | 14.6945% | 674 |
| Tier 1 risk-based capital ratio | 32.8381% | 417 |
| Total risk-based capital ratio | 33.8611% | 416 |
| Memoranda: | ||
| Average total assets | $242,163,750 | 2,612 |
| Average earning assets | $213,170,750 | 2,699 |
| Average equity | $34,027,500 | 2,049 |
| Average total loans | $98,299,750 | 3,482 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2195% | 5,925 |
| Cost of funding earning assets | 0.7194% | 1,090 |
| Net interest margin | 2.5001% | 6,279 |
| Noninterest income to average assets | 0.5067% | 3,433 |
| Noninterest expense to average assets | 3.4413% | 1,591 |
| Loan and lease loss provision to assets | 0.0690% | 2,889 |
| Net operating income to assets | -0.8000% | 6,505 |
| Return on assets (ROA) | -0.7729% | 6,500 |
| Pretax return on assets | -0.7729% | 6,487 |
| Return on Equity (ROE) | -5.5449% | 6,445 |
| Retained earnings to average equity (ytd only) | -5.5449% | 6,271 |
| Net charge-offs to loans | 0.1618% | 2,100 |
| Credit loss provision to net charge-offs | 105.0000% | 1,905 |
| Earnings coverage of net charge-offs (x) | -11.1250% | 4,317 |
| Efficiency ratio | 126.9697% | 113 |
| Assets per employee ($millions) | 3.8459% | 4,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0732% | 5,014 |
| Loan loss allowance to noncurrent loans | 23.1513% | 5,942 |
| Noncurrent assets plus other real estate owned to assets | 2.3921% | 1,208 |
| Noncurrent loans to loans | 4.6354% | 460 |
| Net loans and leases to total assets | 40.9756% | 5,743 |
| Net loans and leases to deposits | 52.3601% | 5,476 |
| Net loans and leases to core deposits | 54.9026% | 5,497 |
| Total domestic deposits to total assets | 78.2573% | 5,585 |
| Equity capital to assets | 14.1098% | 927 |
| Core capital (leverage) ratio | 14.4594% | 714 |
| Tier 1 risk-based capital ratio | 31.6884% | 455 |
| Total risk-based capital ratio | 32.6656% | 458 |
| Memoranda: | ||
| Average total assets | $243,512,670 | 2,602 |
| Average earning assets | $214,629,670 | 2,688 |
| Average equity | $33,941,000 | 2,043 |
| Average total loans | $98,893,330 | 3,475 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1987% | 6,004 |
| Cost of funding earning assets | 0.7342% | 1,051 |
| Net interest margin | 2.4645% | 6,359 |
| Noninterest income to average assets | 0.4686% | 3,641 |
| Noninterest expense to average assets | 3.4114% | 1,669 |
| Loan and lease loss provision to assets | 0.0524% | 3,054 |
| Net operating income to assets | -0.8225% | 6,543 |
| Return on assets (ROA) | -0.8225% | 6,544 |
| Pretax return on assets | -0.8225% | 6,534 |
| Return on Equity (ROE) | -5.9377% | 6,488 |
| Retained earnings to average equity (ytd only) | -5.9377% | 6,177 |
| Net charge-offs to loans | 0.1956% | 1,559 |
| Credit loss provision to net charge-offs | 66.6667% | 2,033 |
| Earnings coverage of net charge-offs (x) | -9.7917% | 3,603 |
| Efficiency ratio | 129.1563% | 121 |
| Assets per employee ($millions) | 3.8456% | 4,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0656% | 5,265 |
| Loan loss allowance to noncurrent loans | 22.3231% | 6,031 |
| Noncurrent assets plus other real estate owned to assets | 2.5219% | 1,259 |
| Noncurrent loans to loans | 4.7737% | 480 |
| Net loans and leases to total assets | 40.5050% | 5,773 |
| Net loans and leases to deposits | 51.6922% | 5,477 |
| Net loans and leases to core deposits | 54.3607% | 5,474 |
| Total domestic deposits to total assets | 78.3580% | 5,776 |
| Equity capital to assets | 13.9008% | 955 |
| Core capital (leverage) ratio | 14.5752% | 681 |
| Tier 1 risk-based capital ratio | 31.5547% | 463 |
| Total risk-based capital ratio | 32.5049% | 469 |
| Memoranda: | ||
| Average total assets | $244,122,500 | 2,606 |
| Average earning assets | $215,213,500 | 2,694 |
| Average equity | $33,818,000 | 2,044 |
| Average total loans | $98,161,000 | 3,512 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1724% | 6,168 |
| Cost of funding earning assets | 0.8467% | 963 |
| Net interest margin | 2.3257% | 6,503 |
| Noninterest income to average assets | 0.5963% | 3,113 |
| Noninterest expense to average assets | 2.6876% | 4,135 |
| Loan and lease loss provision to assets | 0.0943% | 3,239 |
| Net operating income to assets | -0.7889% | 6,566 |
| Return on assets (ROA) | -0.8680% | 6,582 |
| Pretax return on assets | -0.2010% | 6,353 |
| Return on Equity (ROE) | -6.1916% | 6,514 |
| Retained earnings to average equity (ytd only) | -6.1916% | 6,422 |
| Net charge-offs to loans | 0.2129% | 2,755 |
| Credit loss provision to net charge-offs | 110.7981% | 2,172 |
| Earnings coverage of net charge-offs (x) | -0.3239% | 5,169 |
| Efficiency ratio | 101.0367% | 450 |
| Assets per employee ($millions) | 3.8433% | 4,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1057% | 5,118 |
| Loan loss allowance to noncurrent loans | 21.3987% | 6,149 |
| Noncurrent assets plus other real estate owned to assets | 2.5633% | 1,329 |
| Noncurrent loans to loans | 5.1672% | 469 |
| Net loans and leases to total assets | 39.0526% | 6,030 |
| Net loans and leases to deposits | 49.7885% | 5,786 |
| Net loans and leases to core deposits | 52.1553% | 5,790 |
| Total domestic deposits to total assets | 78.4369% | 5,754 |
| Equity capital to assets | 13.8057% | 962 |
| Core capital (leverage) ratio | 14.3854% | 724 |
| Tier 1 risk-based capital ratio | 31.8697% | 435 |
| Total risk-based capital ratio | 32.8371% | 439 |
| Memoranda: | ||
| Average total assets | $250,219,000 | 2,528 |
| Average earning assets | $222,041,200 | 2,597 |
| Average equity | $35,079,800 | 1,967 |
| Average total loans | $100,038,600 | 3,441 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1884% | 6,213 |
| Cost of funding earning assets | 0.8578% | 1,000 |
| Net interest margin | 2.3306% | 6,568 |
| Noninterest income to average assets | 0.6585% | 2,835 |
| Noninterest expense to average assets | 2.7841% | 3,716 |
| Loan and lease loss provision to assets | 0.1082% | 2,959 |
| Net operating income to assets | -1.0479% | 6,712 |
| Return on assets (ROA) | -1.1599% | 6,726 |
| Pretax return on assets | -0.2743% | 6,505 |
| Return on Equity (ROE) | -8.2426% | 6,665 |
| Retained earnings to average equity (ytd only) | -8.2426% | 6,603 |
| Net charge-offs to loans | 0.4247% | 1,507 |
| Credit loss provision to net charge-offs | 63.5514% | 3,216 |
| Earnings coverage of net charge-offs (x) | -0.3178% | 4,932 |
| Efficiency ratio | 101.9825% | 406 |
| Assets per employee ($millions) | 3.7730% | 4,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9792% | 5,810 |
| Loan loss allowance to noncurrent loans | 20.0602% | 6,243 |
| Noncurrent assets plus other real estate owned to assets | 2.5803% | 1,474 |
| Noncurrent loans to loans | 4.8813% | 629 |
| Net loans and leases to total assets | 38.4715% | 6,144 |
| Net loans and leases to deposits | 49.1919% | 5,890 |
| Net loans and leases to core deposits | 51.5363% | 5,916 |
| Total domestic deposits to total assets | 78.2070% | 5,872 |
| Equity capital to assets | 13.9294% | 982 |
| Core capital (leverage) ratio | 14.5109% | 732 |
| Tier 1 risk-based capital ratio | 32.2361% | 432 |
| Total risk-based capital ratio | 33.0812% | 437 |
| Memoranda: | ||
| Average total assets | $251,281,000 | 2,533 |
| Average earning assets | $223,343,250 | 2,596 |
| Average equity | $35,360,250 | 1,964 |
| Average total loans | $100,765,250 | 3,460 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2991% | 6,090 |
| Cost of funding earning assets | 0.8579% | 1,097 |
| Net interest margin | 2.4413% | 6,512 |
| Noninterest income to average assets | 0.6925% | 2,676 |
| Noninterest expense to average assets | 2.7794% | 3,746 |
| Loan and lease loss provision to assets | 0.0916% | 3,258 |
| Net operating income to assets | -1.3257% | 6,790 |
| Return on assets (ROA) | -1.5595% | 6,819 |
| Pretax return on assets | -0.2416% | 6,521 |
| Return on Equity (ROE) | -11.0459% | 6,754 |
| Retained earnings to average equity (ytd only) | -11.0459% | 6,687 |
| Net charge-offs to loans | 0.6238% | 1,060 |
| Credit loss provision to net charge-offs | 36.2500% | 3,486 |
| Earnings coverage of net charge-offs (x) | 0.3313% | 4,431 |
| Efficiency ratio | 97.0767% | 613 |
| Assets per employee ($millions) | 3.6723% | 4,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8951% | 6,145 |
| Loan loss allowance to noncurrent loans | 15.2092% | 6,377 |
| Noncurrent assets plus other real estate owned to assets | 2.7846% | 1,489 |
| Noncurrent loans to loans | 5.8853% | 502 |
| Net loans and leases to total assets | 37.0091% | 6,238 |
| Net loans and leases to deposits | 48.0118% | 5,980 |
| Net loans and leases to core deposits | 50.1723% | 6,018 |
| Total domestic deposits to total assets | 77.0833% | 6,117 |
| Equity capital to assets | 13.5060% | 1,132 |
| Core capital (leverage) ratio | 14.1173% | 791 |
| Tier 1 risk-based capital ratio | 32.0010% | 440 |
| Total risk-based capital ratio | 32.7587% | 451 |
| Memoranda: | ||
| Average total assets | $253,293,330 | 2,525 |
| Average earning assets | $225,210,670 | 2,584 |
| Average equity | $35,760,000 | 1,951 |
| Average total loans | $102,593,000 | 3,422 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3846% | 5,978 |
| Cost of funding earning assets | 0.8764% | 1,103 |
| Net interest margin | 2.5082% | 6,501 |
| Noninterest income to average assets | 0.7155% | 2,505 |
| Noninterest expense to average assets | 2.8684% | 3,466 |
| Loan and lease loss provision to assets | 0.1153% | 2,792 |
| Net operating income to assets | -0.0442% | 6,391 |
| Return on assets (ROA) | -0.5118% | 6,700 |
| Pretax return on assets | -0.5118% | 6,678 |
| Return on Equity (ROE) | -3.5479% | 6,634 |
| Retained earnings to average equity (ytd only) | -3.5479% | 6,238 |
| Net charge-offs to loans | 1.0997% | 547 |
| Credit loss provision to net charge-offs | 24.9147% | 2,967 |
| Earnings coverage of net charge-offs (x) | 0.1536% | 3,763 |
| Efficiency ratio | 97.5819% | 653 |
| Assets per employee ($millions) | 3.6654% | 4,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7857% | 6,480 |
| Loan loss allowance to noncurrent loans | 15.2545% | 6,436 |
| Noncurrent assets plus other real estate owned to assets | 2.7954% | 1,622 |
| Noncurrent loans to loans | 5.1509% | 728 |
| Net loans and leases to total assets | 41.4375% | 5,882 |
| Net loans and leases to deposits | 53.1176% | 5,512 |
| Net loans and leases to core deposits | 55.4658% | 5,562 |
| Total domestic deposits to total assets | 78.0109% | 6,111 |
| Equity capital to assets | 14.4076% | 905 |
| Core capital (leverage) ratio | 14.3235% | 711 |
| Tier 1 risk-based capital ratio | 29.6929% | 549 |
| Total risk-based capital ratio | 30.3788% | 566 |
| Memoranda: | ||
| Average total assets | $253,244,000 | 2,550 |
| Average earning assets | $224,546,000 | 2,618 |
| Average equity | $36,528,500 | 1,934 |
| Average total loans | $106,577,000 | 3,371 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6162% | 6,198 |
| Cost of funding earning assets | 0.9627% | 1,567 |
| Net interest margin | 2.6535% | 6,581 |
| Noninterest income to average assets | 0.7545% | 2,475 |
| Noninterest expense to average assets | 2.8305% | 3,902 |
| Loan and lease loss provision to assets | 0.2985% | 2,287 |
| Net operating income to assets | -0.0478% | 6,237 |
| Return on assets (ROA) | -0.0478% | 6,343 |
| Pretax return on assets | -0.0388% | 6,319 |
| Return on Equity (ROE) | -0.3233% | 6,337 |
| Retained earnings to average equity (ytd only) | -0.3233% | 5,911 |
| Net charge-offs to loans | 0.8283% | 1,403 |
| Credit loss provision to net charge-offs | 80.8351% | 3,805 |
| Earnings coverage of net charge-offs (x) | 0.7034% | 5,131 |
| Efficiency ratio | 91.5931% | 948 |
| Assets per employee ($millions) | 3.7290% | 4,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9765% | 6,040 |
| Loan loss allowance to noncurrent loans | 20.1034% | 6,388 |
| Noncurrent assets plus other real estate owned to assets | 2.8887% | 1,649 |
| Noncurrent loans to loans | 4.8576% | 842 |
| Net loans and leases to total assets | 41.9889% | 6,009 |
| Net loans and leases to deposits | 53.8365% | 5,667 |
| Net loans and leases to core deposits | 56.2222% | 5,702 |
| Total domestic deposits to total assets | 77.9932% | 6,082 |
| Equity capital to assets | 14.4409% | 898 |
| Core capital (leverage) ratio | 14.3573% | 708 |
| Tier 1 risk-based capital ratio | 29.2103% | 546 |
| Total risk-based capital ratio | 30.0597% | 562 |
| Memoranda: | ||
| Average total assets | $252,890,400 | 2,504 |
| Average earning assets | $222,610,000 | 2,590 |
| Average equity | $37,425,200 | 1,856 |
| Average total loans | $112,754,600 | 3,235 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6424% | 6,331 |
| Cost of funding earning assets | 0.9783% | 1,690 |
| Net interest margin | 2.6641% | 6,693 |
| Noninterest income to average assets | 0.7075% | 2,671 |
| Noninterest expense to average assets | 2.8832% | 3,666 |
| Loan and lease loss provision to assets | 0.2759% | 2,371 |
| Net operating income to assets | -0.1235% | 6,424 |
| Return on assets (ROA) | -0.1235% | 6,511 |
| Pretax return on assets | -0.1113% | 6,484 |
| Return on Equity (ROE) | -0.8292% | 6,489 |
| Retained earnings to average equity (ytd only) | -0.8292% | 6,248 |
| Net charge-offs to loans | 0.7820% | 1,414 |
| Credit loss provision to net charge-offs | 78.1764% | 3,672 |
| Earnings coverage of net charge-offs (x) | 0.4664% | 5,084 |
| Efficiency ratio | 94.5993% | 740 |
| Assets per employee ($millions) | 3.6883% | 4,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9743% | 6,178 |
| Loan loss allowance to noncurrent loans | 29.7364% | 6,139 |
| Noncurrent assets plus other real estate owned to assets | 2.3441% | 2,267 |
| Noncurrent loans to loans | 3.2765% | 1,677 |
| Net loans and leases to total assets | 43.8884% | 5,978 |
| Net loans and leases to deposits | 56.4133% | 5,597 |
| Net loans and leases to core deposits | 58.9452% | 5,667 |
| Total domestic deposits to total assets | 77.7980% | 6,118 |
| Equity capital to assets | 14.7415% | 889 |
| Core capital (leverage) ratio | 14.7647% | 655 |
| Tier 1 risk-based capital ratio | 29.0575% | 580 |
| Total risk-based capital ratio | 29.9119% | 595 |
| Memoranda: | ||
| Average total assets | $252,720,000 | 2,529 |
| Average earning assets | $222,011,000 | 2,618 |
| Average equity | $37,627,000 | 1,863 |
| Average total loans | $114,062,750 | 3,235 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6195% | 6,460 |
| Cost of funding earning assets | 0.9794% | 1,885 |
| Net interest margin | 2.6401% | 6,782 |
| Noninterest income to average assets | 0.6994% | 2,678 |
| Noninterest expense to average assets | 2.8663% | 3,759 |
| Loan and lease loss provision to assets | 0.3434% | 1,916 |
| Net operating income to assets | -0.2029% | 6,548 |
| Return on assets (ROA) | -0.2029% | 6,617 |
| Pretax return on assets | -0.1887% | 6,583 |
| Return on Equity (ROE) | -1.3582% | 6,568 |
| Retained earnings to average equity (ytd only) | -1.3582% | 6,260 |
| Net charge-offs to loans | 0.9058% | 1,218 |
| Credit loss provision to net charge-offs | 83.4933% | 3,228 |
| Earnings coverage of net charge-offs (x) | 0.3762% | 4,892 |
| Efficiency ratio | 94.8785% | 762 |
| Assets per employee ($millions) | 3.6224% | 4,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0043% | 6,142 |
| Loan loss allowance to noncurrent loans | 30.7672% | 6,120 |
| Noncurrent assets plus other real estate owned to assets | 2.0785% | 2,689 |
| Noncurrent loans to loans | 3.2641% | 1,782 |
| Net loans and leases to total assets | 45.0787% | 5,914 |
| Net loans and leases to deposits | 57.9607% | 5,456 |
| Net loans and leases to core deposits | 60.7230% | 5,519 |
| Total domestic deposits to total assets | 77.7745% | 6,202 |
| Equity capital to assets | 14.7742% | 840 |
| Core capital (leverage) ratio | 14.7977% | 639 |
| Tier 1 risk-based capital ratio | 27.7545% | 663 |
| Total risk-based capital ratio | 28.6168% | 679 |
| Memoranda: | ||
| Average total assets | $253,359,330 | 2,516 |
| Average earning assets | $222,795,000 | 2,612 |
| Average equity | $37,845,330 | 1,846 |
| Average total loans | $115,031,670 | 3,235 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6495% | 6,508 |
| Cost of funding earning assets | 0.9843% | 2,076 |
| Net interest margin | 2.6653% | 6,815 |
| Noninterest income to average assets | 0.6383% | 3,003 |
| Noninterest expense to average assets | 2.8651% | 3,765 |
| Loan and lease loss provision to assets | 0.1066% | 4,012 |
| Net operating income to assets | 0.0047% | 6,406 |
| Return on assets (ROA) | 0.0047% | 6,515 |
| Pretax return on assets | 0.0063% | 6,518 |
| Return on Equity (ROE) | 0.0313% | 6,520 |
| Retained earnings to average equity (ytd only) | 0.0313% | 5,965 |
| Net charge-offs to loans | 0.9063% | 1,131 |
| Credit loss provision to net charge-offs | 25.9542% | 3,692 |
| Earnings coverage of net charge-offs (x) | 0.2748% | 4,223 |
| Efficiency ratio | 96.2085% | 709 |
| Assets per employee ($millions) | 3.6904% | 4,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9091% | 6,512 |
| Loan loss allowance to noncurrent loans | 26.4218% | 6,323 |
| Noncurrent assets plus other real estate owned to assets | 2.1490% | 2,732 |
| Noncurrent loans to loans | 3.4407% | 1,815 |
| Net loans and leases to total assets | 44.3470% | 5,973 |
| Net loans and leases to deposits | 56.7895% | 5,515 |
| Net loans and leases to core deposits | 59.5545% | 5,571 |
| Total domestic deposits to total assets | 78.0902% | 6,251 |
| Equity capital to assets | 14.6044% | 832 |
| Core capital (leverage) ratio | 14.6266% | 668 |
| Tier 1 risk-based capital ratio | 27.2567% | 708 |
| Total risk-based capital ratio | 28.0189% | 735 |
| Memoranda: | ||
| Average total assets | $255,067,500 | 2,519 |
| Average earning assets | $223,918,500 | 2,615 |
| Average equity | $38,304,500 | 1,813 |
| Average total loans | $115,640,500 | 3,242 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7645% | 6,763 |
| Cost of funding earning assets | 1.1074% | 2,620 |
| Net interest margin | 2.6571% | 6,965 |
| Noninterest income to average assets | 0.7534% | 2,321 |
| Noninterest expense to average assets | 2.9936% | 3,617 |
| Loan and lease loss provision to assets | 0.2269% | 3,934 |
| Net operating income to assets | -0.0980% | 6,163 |
| Return on assets (ROA) | -0.0980% | 6,238 |
| Pretax return on assets | -0.1389% | 6,233 |
| Return on Equity (ROE) | -0.6218% | 6,213 |
| Retained earnings to average equity (ytd only) | -0.6218% | 5,949 |
| Net charge-offs to loans | -0.0376% | 7,022 |
| Credit loss provision to net charge-offs | -1,271.1111% | 6,881 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1421% | 766 |
| Assets per employee ($millions) | 3.6500% | 4,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0484% | 6,006 |
| Loan loss allowance to noncurrent loans | 24.8284% | 6,438 |
| Noncurrent assets plus other real estate owned to assets | 2.2614% | 2,660 |
| Noncurrent loans to loans | 4.2226% | 1,452 |
| Net loans and leases to total assets | 45.4372% | 6,064 |
| Net loans and leases to deposits | 59.0165% | 5,598 |
| Net loans and leases to core deposits | 61.6151% | 5,691 |
| Total domestic deposits to total assets | 76.9906% | 6,341 |
| Equity capital to assets | 15.4290% | 690 |
| Core capital (leverage) ratio | 15.5252% | 520 |
| Tier 1 risk-based capital ratio | 28.8680% | 574 |
| Total risk-based capital ratio | 29.7671% | 573 |
| Memoranda: | ||
| Average total assets | $252,068,200 | 2,501 |
| Average earning assets | $220,879,000 | 2,597 |
| Average equity | $39,723,400 | 1,704 |
| Average total loans | $119,755,200 | 3,174 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8059% | 6,835 |
| Cost of funding earning assets | 1.1250% | 2,795 |
| Net interest margin | 2.6810% | 7,002 |
| Noninterest income to average assets | 0.7680% | 2,208 |
| Noninterest expense to average assets | 3.0799% | 3,234 |
| Loan and lease loss provision to assets | 0.2675% | 3,368 |
| Net operating income to assets | -0.1613% | 6,343 |
| Return on assets (ROA) | -0.1613% | 6,420 |
| Pretax return on assets | -0.2293% | 6,438 |
| Return on Equity (ROE) | -1.0184% | 6,381 |
| Retained earnings to average equity (ytd only) | -1.0184% | 6,157 |
| Net charge-offs to loans | 0.1961% | 4,234 |
| Credit loss provision to net charge-offs | 284.7458% | 1,004 |
| Earnings coverage of net charge-offs (x) | 0.4068% | 5,315 |
| Efficiency ratio | 98.7745% | 707 |
| Assets per employee ($millions) | 3.6674% | 4,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8406% | 6,739 |
| Loan loss allowance to noncurrent loans | 18.2314% | 6,735 |
| Noncurrent assets plus other real estate owned to assets | 2.5402% | 2,532 |
| Noncurrent loans to loans | 4.6109% | 1,399 |
| Net loans and leases to total assets | 46.7076% | 6,083 |
| Net loans and leases to deposits | 60.8777% | 5,531 |
| Net loans and leases to core deposits | 63.7432% | 5,647 |
| Total domestic deposits to total assets | 76.7237% | 6,419 |
| Equity capital to assets | 15.5826% | 704 |
| Core capital (leverage) ratio | 15.6570% | 553 |
| Tier 1 risk-based capital ratio | 28.2864% | 633 |
| Total risk-based capital ratio | 29.0052% | 660 |
| Memoranda: | ||
| Average total assets | $251,210,250 | 2,517 |
| Average earning assets | $220,211,500 | 2,626 |
| Average equity | $39,799,000 | 1,694 |
| Average total loans | $120,363,500 | 3,187 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8302% | 6,888 |
| Cost of funding earning assets | 1.1350% | 3,007 |
| Net interest margin | 2.6953% | 7,033 |
| Noninterest income to average assets | 0.7422% | 2,305 |
| Noninterest expense to average assets | 3.1796% | 2,974 |
| Loan and lease loss provision to assets | 0.3480% | 2,698 |
| Net operating income to assets | -0.2977% | 6,554 |
| Return on assets (ROA) | -0.2977% | 6,584 |
| Pretax return on assets | -0.4238% | 6,604 |
| Return on Equity (ROE) | -1.8687% | 6,502 |
| Retained earnings to average equity (ytd only) | -1.8687% | 6,228 |
| Net charge-offs to loans | 0.1375% | 4,371 |
| Credit loss provision to net charge-offs | 525.3012% | 586 |
| Earnings coverage of net charge-offs (x) | -1.1446% | 5,654 |
| Efficiency ratio | 102.4428% | 649 |
| Assets per employee ($millions) | 3.5651% | 4,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8425% | 6,792 |
| Loan loss allowance to noncurrent loans | 17.1867% | 6,801 |
| Noncurrent assets plus other real estate owned to assets | 2.7484% | 2,432 |
| Noncurrent loans to loans | 4.9019% | 1,345 |
| Net loans and leases to total assets | 47.5397% | 6,103 |
| Net loans and leases to deposits | 62.2553% | 5,467 |
| Net loans and leases to core deposits | 65.9690% | 5,520 |
| Total domestic deposits to total assets | 76.3624% | 6,545 |
| Equity capital to assets | 15.8775% | 626 |
| Core capital (leverage) ratio | 16.2695% | 474 |
| Tier 1 risk-based capital ratio | 29.1005% | 591 |
| Total risk-based capital ratio | 29.8229% | 607 |
| Memoranda: | ||
| Average total assets | $250,596,670 | 2,543 |
| Average earning assets | $219,569,000 | 2,651 |
| Average equity | $39,921,330 | 1,676 |
| Average total loans | $120,752,670 | 3,210 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8494% | 6,889 |
| Cost of funding earning assets | 1.1745% | 2,988 |
| Net interest margin | 2.6749% | 7,042 |
| Noninterest income to average assets | 0.6849% | 2,656 |
| Noninterest expense to average assets | 3.4120% | 2,249 |
| Loan and lease loss provision to assets | 0.5862% | 1,475 |
| Net operating income to assets | -0.6834% | 6,907 |
| Return on assets (ROA) | -0.6834% | 6,913 |
| Pretax return on assets | -0.9733% | 6,989 |
| Return on Equity (ROE) | -4.2825% | 6,764 |
| Retained earnings to average equity (ytd only) | -4.2825% | 6,452 |
| Net charge-offs to loans | 0.1286% | 3,742 |
| Credit loss provision to net charge-offs | 943.5897% | 405 |
| Earnings coverage of net charge-offs (x) | -6.2308% | 5,035 |
| Efficiency ratio | 112.7962% | 446 |
| Assets per employee ($millions) | 3.4288% | 5,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8132% | 6,887 |
| Loan loss allowance to noncurrent loans | 17.2737% | 6,863 |
| Noncurrent assets plus other real estate owned to assets | 2.6564% | 2,587 |
| Noncurrent loans to loans | 4.7080% | 1,470 |
| Net loans and leases to total assets | 47.6063% | 6,126 |
| Net loans and leases to deposits | 62.2208% | 5,470 |
| Net loans and leases to core deposits | 66.5236% | 5,461 |
| Total domestic deposits to total assets | 76.5119% | 6,603 |
| Equity capital to assets | 15.9092% | 591 |
| Core capital (leverage) ratio | 16.2151% | 464 |
| Tier 1 risk-based capital ratio | 28.9646% | 577 |
| Total risk-based capital ratio | 29.6625% | 599 |
| Memoranda: | ||
| Average total assets | $251,115,000 | 2,562 |
| Average earning assets | $219,672,000 | 2,665 |
| Average equity | $40,070,000 | 1,667 |
| Average total loans | $121,305,000 | 3,232 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4676% | 6,474 |
| Cost of funding earning assets | 1.3807% | 3,389 |
| Net interest margin | 3.0869% | 6,550 |
| Noninterest income to average assets | 0.8733% | 1,960 |
| Noninterest expense to average assets | 3.0300% | 3,730 |
| Loan and lease loss provision to assets | 0.2172% | 5,091 |
| Net operating income to assets | 0.2230% | 5,207 |
| Return on assets (ROA) | -1.7057% | 6,994 |
| Pretax return on assets | -2.4371% | 7,144 |
| Return on Equity (ROE) | -10.4956% | 6,745 |
| Retained earnings to average equity (ytd only) | -10.4956% | 6,685 |
| Net charge-offs to loans | 0.3930% | 4,068 |
| Credit loss provision to net charge-offs | 108.9249% | 4,053 |
| Earnings coverage of net charge-offs (x) | 2.6856% | 3,749 |
| Efficiency ratio | 84.9801% | 1,800 |
| Assets per employee ($millions) | 3.4511% | 5,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5307% | 7,333 |
| Loan loss allowance to noncurrent loans | 10.0619% | 7,088 |
| Noncurrent assets plus other real estate owned to assets | 2.8710% | 2,438 |
| Noncurrent loans to loans | 5.2746% | 1,261 |
| Net loans and leases to total assets | 48.3565% | 6,356 |
| Net loans and leases to deposits | 63.1415% | 5,728 |
| Net loans and leases to core deposits | 68.7188% | 5,581 |
| Total domestic deposits to total assets | 76.5843% | 6,552 |
| Equity capital to assets | 16.0041% | 582 |
| Core capital (leverage) ratio | 16.2851% | 479 |
| Tier 1 risk-based capital ratio | 29.1806% | 537 |
| Total risk-based capital ratio | 29.6434% | 567 |
| Memoranda: | ||
| Average total assets | $247,224,400 | 2,573 |
| Average earning assets | $215,617,600 | 2,680 |
| Average equity | $40,178,800 | 1,651 |
| Average total loans | $125,449,000 | 3,209 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5915% | 6,352 |
| Cost of funding earning assets | 1.4134% | 3,499 |
| Net interest margin | 3.1781% | 6,414 |
| Noninterest income to average assets | 0.8546% | 1,979 |
| Noninterest expense to average assets | 3.0226% | 3,665 |
| Loan and lease loss provision to assets | 0.1810% | 5,232 |
| Net operating income to assets | 0.2953% | 5,185 |
| Return on assets (ROA) | 0.2953% | 5,357 |
| Pretax return on assets | 0.4205% | 5,161 |
| Return on Equity (ROE) | 1.8101% | 5,675 |
| Retained earnings to average equity (ytd only) | 1.8101% | 5,058 |
| Net charge-offs to loans | 0.1363% | 5,206 |
| Credit loss provision to net charge-offs | 258.9147% | 1,280 |
| Earnings coverage of net charge-offs (x) | 8.6044% | 2,138 |
| Efficiency ratio | 83.4031% | 1,901 |
| Assets per employee ($millions) | 3.4749% | 5,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6559% | 7,273 |
| Loan loss allowance to noncurrent loans | 12.1751% | 7,142 |
| Noncurrent assets plus other real estate owned to assets | 3.1360% | 2,303 |
| Noncurrent loans to loans | 5.3874% | 1,248 |
| Net loans and leases to total assets | 49.3371% | 6,393 |
| Net loans and leases to deposits | 64.7053% | 5,824 |
| Net loans and leases to core deposits | 71.2771% | 5,602 |
| Total domestic deposits to total assets | 76.2489% | 6,607 |
| Equity capital to assets | 16.1664% | 644 |
| Core capital (leverage) ratio | 16.5498% | 486 |
| Tier 1 risk-based capital ratio | 29.4050% | 547 |
| Total risk-based capital ratio | 29.9837% | 572 |
| Memoranda: | ||
| Average total assets | $246,048,250 | 2,619 |
| Average earning assets | $214,422,000 | 2,732 |
| Average equity | $40,143,750 | 1,662 |
| Average total loans | $126,192,750 | 3,246 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6611% | 6,272 |
| Cost of funding earning assets | 1.4252% | 3,715 |
| Net interest margin | 3.2358% | 6,205 |
| Noninterest income to average assets | 0.8264% | 1,990 |
| Noninterest expense to average assets | 3.0270% | 3,608 |
| Loan and lease loss provision to assets | 0.2305% | 4,610 |
| Net operating income to assets | 0.2738% | 5,284 |
| Return on assets (ROA) | 0.2738% | 5,433 |
| Pretax return on assets | 0.3899% | 5,260 |
| Return on Equity (ROE) | 1.6732% | 5,741 |
| Retained earnings to average equity (ytd only) | 1.6732% | 5,037 |
| Net charge-offs to loans | 0.5345% | 2,928 |
| Credit loss provision to net charge-offs | 83.1858% | 4,625 |
| Earnings coverage of net charge-offs (x) | 2.2389% | 3,886 |
| Efficiency ratio | 82.9897% | 2,043 |
| Assets per employee ($millions) | 3.2312% | 5,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7674% | 7,099 |
| Loan loss allowance to noncurrent loans | 14.7180% | 7,154 |
| Noncurrent assets plus other real estate owned to assets | 2.8436% | 2,539 |
| Noncurrent loans to loans | 5.2139% | 1,309 |
| Net loans and leases to total assets | 50.0510% | 6,427 |
| Net loans and leases to deposits | 65.5930% | 5,861 |
| Net loans and leases to core deposits | 72.2468% | 5,645 |
| Total domestic deposits to total assets | 76.3054% | 6,629 |
| Equity capital to assets | 16.2284% | 636 |
| Core capital (leverage) ratio | 16.4837% | 500 |
| Tier 1 risk-based capital ratio | 25.4831% | 811 |
| Total risk-based capital ratio | 26.0815% | 842 |
| Memoranda: | ||
| Average total assets | $244,667,330 | 2,659 |
| Average earning assets | $213,298,670 | 2,769 |
| Average equity | $40,042,670 | 1,661 |
| Average total loans | $126,839,670 | 3,264 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6105% | 6,531 |
| Cost of funding earning assets | 1.4249% | 4,020 |
| Net interest margin | 3.1856% | 6,335 |
| Noninterest income to average assets | 0.8145% | 1,947 |
| Noninterest expense to average assets | 3.1097% | 3,224 |
| Loan and lease loss provision to assets | 0.1682% | 4,851 |
| Net operating income to assets | 0.2259% | 5,594 |
| Return on assets (ROA) | 0.2259% | 5,715 |
| Pretax return on assets | 0.3199% | 5,550 |
| Return on Equity (ROE) | 1.3743% | 6,005 |
| Retained earnings to average equity (ytd only) | 1.3743% | 5,259 |
| Net charge-offs to loans | 0.2949% | 3,235 |
| Credit loss provision to net charge-offs | 108.5106% | 3,172 |
| Earnings coverage of net charge-offs (x) | 3.1489% | 3,005 |
| Efficiency ratio | 86.4345% | 1,746 |
| Assets per employee ($millions) | 3.2726% | 5,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8266% | 7,064 |
| Loan loss allowance to noncurrent loans | 13.5778% | 7,249 |
| Noncurrent assets plus other real estate owned to assets | 3.3474% | 2,125 |
| Noncurrent loans to loans | 6.0879% | 1,071 |
| Net loans and leases to total assets | 51.0324% | 6,372 |
| Net loans and leases to deposits | 67.0338% | 5,708 |
| Net loans and leases to core deposits | 73.8873% | 5,508 |
| Total domestic deposits to total assets | 76.1294% | 6,735 |
| Equity capital to assets | 16.2787% | 635 |
| Core capital (leverage) ratio | 16.5374% | 499 |
| Tier 1 risk-based capital ratio | 25.3150% | 831 |
| Total risk-based capital ratio | 25.9661% | 871 |
| Memoranda: | ||
| Average total assets | $242,599,000 | 2,735 |
| Average earning assets | $211,951,000 | 2,856 |
| Average equity | $39,875,500 | 1,683 |
| Average total loans | $127,513,500 | 3,320 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1804% | 5,739 |
| Cost of funding earning assets | 1.8801% | 3,561 |
| Net interest margin | 3.3003% | 5,748 |
| Noninterest income to average assets | 1.0313% | 1,465 |
| Noninterest expense to average assets | 3.3326% | 2,903 |
| Loan and lease loss provision to assets | -0.3695% | 8,005 |
| Net operating income to assets | 0.7760% | 2,620 |
| Return on assets (ROA) | 0.4945% | 3,849 |
| Pretax return on assets | 0.6024% | 3,897 |
| Return on Equity (ROE) | 3.0499% | 4,477 |
| Retained earnings to average equity (ytd only) | 3.0499% | 3,027 |
| Net charge-offs to loans | 0.2223% | 5,233 |
| Credit loss provision to net charge-offs | -296.6443% | 7,406 |
| Earnings coverage of net charge-offs (x) | 4.6242% | 2,878 |
| Efficiency ratio | 85.2620% | 2,195 |
| Assets per employee ($millions) | 3.1967% | 5,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8530% | 6,973 |
| Loan loss allowance to noncurrent loans | 14.8740% | 7,268 |
| Noncurrent assets plus other real estate owned to assets | 3.1307% | 2,205 |
| Noncurrent loans to loans | 5.7346% | 1,113 |
| Net loans and leases to total assets | 53.2333% | 6,281 |
| Net loans and leases to deposits | 70.4409% | 5,546 |
| Net loans and leases to core deposits | 83.8467% | 5,729 |
| Total domestic deposits to total assets | 75.5716% | 6,764 |
| Equity capital to assets | 16.5987% | 602 |
| Core capital (leverage) ratio | 16.8635% | 512 |
| Tier 1 risk-based capital ratio | 25.1930% | 827 |
| Total risk-based capital ratio | 25.8772% | 859 |
| Memoranda: | ||
| Average total assets | $239,216,000 | 2,724 |
| Average earning assets | $208,556,200 | 2,856 |
| Average equity | $38,788,600 | 1,727 |
| Average total loans | $134,025,400 | 3,192 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2917% | 5,470 |
| Cost of funding earning assets | 1.9614% | 3,559 |
| Net interest margin | 3.3303% | 5,528 |
| Noninterest income to average assets | 1.0468% | 1,453 |
| Noninterest expense to average assets | 3.4810% | 2,327 |
| Loan and lease loss provision to assets | -0.6017% | 8,093 |
| Net operating income to assets | 0.9169% | 2,355 |
| Return on assets (ROA) | 0.5231% | 3,976 |
| Pretax return on assets | 0.6090% | 4,159 |
| Return on Equity (ROE) | 3.2453% | 4,682 |
| Retained earnings to average equity (ytd only) | 3.2453% | 3,498 |
| Net charge-offs to loans | 0.1714% | 5,019 |
| Credit loss provision to net charge-offs | -620.1149% | 7,292 |
| Earnings coverage of net charge-offs (x) | 4.7932% | 3,007 |
| Efficiency ratio | 88.2137% | 1,856 |
| Assets per employee ($millions) | 3.3037% | 5,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7883% | 7,159 |
| Loan loss allowance to noncurrent loans | 16.1552% | 7,276 |
| Noncurrent assets plus other real estate owned to assets | 2.7713% | 2,503 |
| Noncurrent loans to loans | 4.8795% | 1,384 |
| Net loans and leases to total assets | 54.8681% | 6,290 |
| Net loans and leases to deposits | 72.8464% | 5,528 |
| Net loans and leases to core deposits | 87.4219% | 5,698 |
| Total domestic deposits to total assets | 75.3202% | 6,715 |
| Equity capital to assets | 16.6253% | 688 |
| Core capital (leverage) ratio | 16.8922% | 564 |
| Tier 1 risk-based capital ratio | 24.6706% | 929 |
| Total risk-based capital ratio | 25.3073% | 974 |
| Memoranda: | ||
| Average total assets | $239,081,500 | 2,744 |
| Average earning assets | $208,143,250 | 2,877 |
| Average equity | $38,536,750 | 1,763 |
| Average total loans | $135,350,000 | 3,203 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3668% | 5,315 |
| Cost of funding earning assets | 2.0683% | 3,433 |
| Net interest margin | 3.2985% | 5,561 |
| Noninterest income to average assets | 1.0581% | 1,417 |
| Noninterest expense to average assets | 3.5802% | 2,123 |
| Loan and lease loss provision to assets | -0.9387% | 8,191 |
| Net operating income to assets | 1.2013% | 1,470 |
| Return on assets (ROA) | 0.5637% | 3,945 |
| Pretax return on assets | 0.6038% | 4,312 |
| Return on Equity (ROE) | 3.5340% | 4,695 |
| Retained earnings to average equity (ytd only) | 3.5340% | 3,338 |
| Net charge-offs to loans | 0.1303% | 4,868 |
| Credit loss provision to net charge-offs | -1,262.9213% | 7,142 |
| Earnings coverage of net charge-offs (x) | 4.7191% | 3,025 |
| Efficiency ratio | 91.0771% | 1,722 |
| Assets per employee ($millions) | 3.3188% | 5,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7748% | 7,236 |
| Loan loss allowance to noncurrent loans | 18.2786% | 7,227 |
| Noncurrent assets plus other real estate owned to assets | 2.3661% | 2,745 |
| Noncurrent loans to loans | 4.2390% | 1,558 |
| Net loans and leases to total assets | 55.1989% | 6,318 |
| Net loans and leases to deposits | 73.1588% | 5,585 |
| Net loans and leases to core deposits | 86.0978% | 5,891 |
| Total domestic deposits to total assets | 75.4507% | 6,672 |
| Equity capital to assets | 16.2791% | 786 |
| Core capital (leverage) ratio | 16.4859% | 678 |
| Tier 1 risk-based capital ratio | 24.3296% | 997 |
| Total risk-based capital ratio | 24.9657% | 1,046 |
| Memoranda: | ||
| Average total assets | $239,486,330 | 2,757 |
| Average earning assets | $208,580,330 | 2,887 |
| Average equity | $38,200,330 | 1,790 |
| Average total loans | $136,616,670 | 3,212 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3523% | 5,645 |
| Cost of funding earning assets | 2.1777% | 3,273 |
| Net interest margin | 3.1746% | 5,941 |
| Noninterest income to average assets | 0.8626% | 2,020 |
| Noninterest expense to average assets | 3.4619% | 2,198 |
| Loan and lease loss provision to assets | 0.0751% | 6,020 |
| Net operating income to assets | 0.0589% | 6,100 |
| Return on assets (ROA) | 0.2903% | 5,502 |
| Pretax return on assets | 0.4238% | 5,328 |
| Return on Equity (ROE) | 1.8388% | 5,829 |
| Retained earnings to average equity (ytd only) | 1.8388% | 4,831 |
| Net charge-offs to loans | 0.1300% | 3,922 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 2.1778% | 3,651 |
| Efficiency ratio | 95.4901% | 1,345 |
| Assets per employee ($millions) | 3.3673% | 5,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6428% | 2,337 |
| Loan loss allowance to noncurrent loans | 44.8703% | 5,530 |
| Noncurrent assets plus other real estate owned to assets | 2.1043% | 2,742 |
| Noncurrent loans to loans | 3.6613% | 1,711 |
| Net loans and leases to total assets | 56.2954% | 6,195 |
| Net loans and leases to deposits | 74.0229% | 5,473 |
| Net loans and leases to core deposits | 87.1110% | 5,828 |
| Total domestic deposits to total assets | 76.0513% | 6,501 |
| Equity capital to assets | 15.7426% | 922 |
| Core capital (leverage) ratio | 15.9492% | 789 |
| Tier 1 risk-based capital ratio | 23.3639% | 1,156 |
| Total risk-based capital ratio | 24.5887% | 1,127 |
| Memoranda: | ||
| Average total assets | $239,751,500 | 2,769 |
| Average earning assets | $208,658,500 | 2,899 |
| Average equity | $37,850,500 | 1,803 |
| Average total loans | $138,459,500 | 3,201 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7020% | 6,772 |
| Cost of funding earning assets | 2.4527% | 4,459 |
| Net interest margin | 3.2493% | 6,214 |
| Noninterest income to average assets | 0.8186% | 2,410 |
| Noninterest expense to average assets | 3.0380% | 3,942 |
| Loan and lease loss provision to assets | 0.0605% | 6,647 |
| Net operating income to assets | 0.4011% | 5,146 |
| Return on assets (ROA) | 0.4539% | 4,764 |
| Pretax return on assets | 0.6677% | 4,497 |
| Return on Equity (ROE) | 2.8171% | 5,301 |
| Retained earnings to average equity (ytd only) | 2.8171% | 3,425 |
| Net charge-offs to loans | 0.2018% | 4,185 |
| Credit loss provision to net charge-offs | 53.3333% | 6,313 |
| Earnings coverage of net charge-offs (x) | 5.7333% | 3,552 |
| Efficiency ratio | 82.3618% | 2,258 |
| Assets per employee ($millions) | 3.3392% | 5,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6105% | 2,201 |
| Loan loss allowance to noncurrent loans | 56.1054% | 5,175 |
| Noncurrent assets plus other real estate owned to assets | 1.6812% | 2,891 |
| Noncurrent loans to loans | 2.8705% | 1,881 |
| Net loans and leases to total assets | 57.3256% | 6,303 |
| Net loans and leases to deposits | 75.3805% | 5,675 |
| Net loans and leases to core deposits | 88.8723% | 5,900 |
| Total domestic deposits to total assets | 76.0482% | 6,226 |
| Equity capital to assets | 15.8320% | 974 |
| Core capital (leverage) ratio | 16.0374% | 817 |
| Tier 1 risk-based capital ratio | 23.9188% | 1,097 |
| Total risk-based capital ratio | 25.1706% | 1,073 |
| Memoranda: | ||
| Average total assets | $251,155,800 | 2,551 |
| Average earning assets | $221,835,800 | 2,636 |
| Average equity | $40,466,600 | 1,658 |
| Average total loans | $141,210,200 | 3,074 |