Home > First Federal Bank of Wisconsin > Performance and Condition Ratios
First Federal Bank of Wisconsin, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6802% | 1,705 |
| Cost of funding earning assets | 1.4887% | 3,227 |
| Net interest margin | 4.1914% | 982 |
| Noninterest income to average assets | 0.3200% | 2,730 |
| Noninterest expense to average assets | 3.2211% | 853 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.7781% | 2,902 |
| Return on assets (ROA) | 0.7781% | 2,904 |
| Pretax return on assets | 0.9197% | 2,915 |
| Return on Equity (ROE) | 3.3100% | 3,811 |
| Retained earnings to average equity (ytd only) | 3.3076% | 3,017 |
| Net charge-offs to loans | -0.0035% | 3,658 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 77.7888% | 1,106 |
| Assets per employee ($millions) | 5.8886% | 3,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1975% | 2,196 |
| Loan loss allowance to noncurrent loans | 1,679.7546% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.0554% | 3,297 |
| Noncurrent loans to loans | 0.0713% | 3,314 |
| Net loans and leases to total assets | 76.7300% | 984 |
| Net loans and leases to deposits | 102.2971% | 329 |
| Net loans and leases to core deposits | 120.7408% | 530 |
| Total domestic deposits to total assets | 75.0100% | 4,030 |
| Equity capital to assets | 23.3898% | 220 |
| Core capital (leverage) ratio | 23.7970% | 179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.2938% | 285 |
| Memoranda: | ||
| Average total assets | $290,960,500 | 2,524 |
| Average earning assets | $264,922,000 | 2,550 |
| Average equity | $68,448,000 | 1,382 |
| Average total loans | $227,939,500 | 2,236 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7018% | 1,746 |
| Cost of funding earning assets | 1.8421% | 2,620 |
| Net interest margin | 3.8597% | 1,416 |
| Noninterest income to average assets | 0.3400% | 2,807 |
| Noninterest expense to average assets | 2.8417% | 1,427 |
| Loan and lease loss provision to assets | -0.0300% | 4,205 |
| Net operating income to assets | 0.8625% | 2,512 |
| Return on assets (ROA) | 0.8625% | 2,517 |
| Pretax return on assets | 1.0608% | 2,345 |
| Return on Equity (ROE) | 3.9900% | 3,704 |
| Retained earnings to average equity (ytd only) | 3.9878% | 2,631 |
| Net charge-offs to loans | 0.0091% | 2,572 |
| Credit loss provision to net charge-offs | -1,895.4545% | 4,481 |
| Earnings coverage of net charge-offs (x) | 143.7273% | 640 |
| Efficiency ratio | 73.4353% | 1,614 |
| Assets per employee ($millions) | 5.9894% | 2,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2041% | 2,136 |
| Loan loss allowance to noncurrent loans | 1,648.1928% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.0577% | 3,255 |
| Noncurrent loans to loans | 0.0731% | 3,281 |
| Net loans and leases to total assets | 78.0900% | 894 |
| Net loans and leases to deposits | 104.8459% | 292 |
| Net loans and leases to core deposits | 122.8113% | 519 |
| Total domestic deposits to total assets | 74.4800% | 4,033 |
| Equity capital to assets | 23.6632% | 214 |
| Core capital (leverage) ratio | 22.9266% | 183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.0278% | 289 |
| Memoranda: | ||
| Average total assets | $307,599,000 | 2,430 |
| Average earning assets | $281,315,400 | 2,451 |
| Average equity | $66,528,000 | 1,374 |
| Average total loans | $242,074,200 | 2,128 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6828% | 1,742 |
| Cost of funding earning assets | 1.9221% | 2,409 |
| Net interest margin | 3.7607% | 1,523 |
| Noninterest income to average assets | 0.3300% | 2,850 |
| Noninterest expense to average assets | 2.7474% | 1,569 |
| Loan and lease loss provision to assets | -0.0400% | 4,275 |
| Net operating income to assets | 0.8641% | 2,495 |
| Return on assets (ROA) | 0.8641% | 2,506 |
| Pretax return on assets | 1.0624% | 2,350 |
| Return on Equity (ROE) | 4.0800% | 3,714 |
| Retained earnings to average equity (ytd only) | 4.0834% | 2,823 |
| Net charge-offs to loans | -0.0005% | 3,592 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 72.9393% | 1,700 |
| Assets per employee ($millions) | 6.2443% | 2,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3095% | 1,672 |
| Loan loss allowance to noncurrent loans | 3,147.3684% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.0317% | 3,513 |
| Noncurrent loans to loans | 0.0416% | 3,508 |
| Net loans and leases to total assets | 75.1800% | 1,228 |
| Net loans and leases to deposits | 100.6679% | 458 |
| Net loans and leases to core deposits | 118.6827% | 649 |
| Total domestic deposits to total assets | 74.6800% | 4,019 |
| Equity capital to assets | 22.6543% | 216 |
| Core capital (leverage) ratio | 22.1418% | 193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7913% | 303 |
| Memoranda: | ||
| Average total assets | $312,626,500 | 2,394 |
| Average earning assets | $286,001,500 | 2,421 |
| Average equity | $66,152,750 | 1,369 |
| Average total loans | $245,785,500 | 2,090 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6374% | 1,707 |
| Cost of funding earning assets | 1.9468% | 2,246 |
| Net interest margin | 3.6907% | 1,612 |
| Noninterest income to average assets | 0.3200% | 2,866 |
| Noninterest expense to average assets | 2.7281% | 1,611 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.8008% | 2,621 |
| Return on assets (ROA) | 0.8008% | 2,638 |
| Pretax return on assets | 0.9819% | 2,532 |
| Return on Equity (ROE) | 3.8700% | 3,749 |
| Retained earnings to average equity (ytd only) | 3.8707% | 2,757 |
| Net charge-offs to loans | 0.0008% | 2,590 |
| Credit loss provision to net charge-offs | -8,500.0000% | 4,557 |
| Earnings coverage of net charge-offs (x) | 1,556.0000% | 63 |
| Efficiency ratio | 73.5329% | 1,692 |
| Assets per employee ($millions) | 6.6790% | 2,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2735% | 1,861 |
| Loan loss allowance to noncurrent loans | 3,184.5361% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0316% | 3,489 |
| Noncurrent loans to loans | 0.0400% | 3,494 |
| Net loans and leases to total assets | 77.9500% | 911 |
| Net loans and leases to deposits | 103.1433% | 396 |
| Net loans and leases to core deposits | 124.2041% | 525 |
| Total domestic deposits to total assets | 75.5700% | 3,939 |
| Equity capital to assets | 21.5336% | 240 |
| Core capital (leverage) ratio | 20.9982% | 230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7960% | 347 |
| Memoranda: | ||
| Average total assets | $316,926,333 | 2,353 |
| Average earning assets | $290,841,667 | 2,381 |
| Average equity | $65,570,000 | 1,372 |
| Average total loans | $251,602,667 | 2,053 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4557% | 1,904 |
| Cost of funding earning assets | 1.9216% | 2,195 |
| Net interest margin | 3.5340% | 1,838 |
| Noninterest income to average assets | 0.3100% | 2,877 |
| Noninterest expense to average assets | 2.7075% | 1,660 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.7024% | 2,840 |
| Return on assets (ROA) | 0.7024% | 2,858 |
| Pretax return on assets | 0.8577% | 2,781 |
| Return on Equity (ROE) | 3.4600% | 3,773 |
| Retained earnings to average equity (ytd only) | 3.4622% | 2,859 |
| Net charge-offs to loans | 0.0047% | 1,963 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 230.0000% | 377 |
| Efficiency ratio | 75.9414% | 1,559 |
| Assets per employee ($millions) | 6.5176% | 2,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2182% | 2,189 |
| Loan loss allowance to noncurrent loans | 3,204.0404% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.0304% | 3,515 |
| Noncurrent loans to loans | 0.0380% | 3,502 |
| Net loans and leases to total assets | 78.9300% | 738 |
| Net loans and leases to deposits | 103.2868% | 363 |
| Net loans and leases to core deposits | 128.4670% | 445 |
| Total domestic deposits to total assets | 76.4200% | 3,949 |
| Equity capital to assets | 20.0977% | 282 |
| Core capital (leverage) ratio | 20.5124% | 252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7028% | 449 |
| Memoranda: | ||
| Average total assets | $321,773,500 | 2,341 |
| Average earning assets | $296,206,500 | 2,356 |
| Average equity | $65,276,000 | 1,367 |
| Average total loans | $256,123,000 | 2,018 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2112% | 1,636 |
| Cost of funding earning assets | 1.5151% | 1,910 |
| Net interest margin | 3.6961% | 1,771 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 2.7932% | 1,518 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.5487% | 3,570 |
| Return on assets (ROA) | 0.5240% | 3,605 |
| Pretax return on assets | 0.8127% | 3,180 |
| Return on Equity (ROE) | 2.4800% | 4,101 |
| Retained earnings to average equity (ytd only) | -8.1116% | 4,446 |
| Net charge-offs to loans | -0.0047% | 3,820 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 75.7374% | 1,269 |
| Assets per employee ($millions) | 6.1090% | 2,725 |
| Cash dividends to net income (ytd only)* | 426.9006% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2606% | 1,963 |
| Loan loss allowance to noncurrent loans | 3,143.5644% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.0318% | 3,444 |
| Noncurrent loans to loans | 0.0401% | 3,434 |
| Net loans and leases to total assets | 78.2900% | 836 |
| Net loans and leases to deposits | 100.0761% | 534 |
| Net loans and leases to core deposits | 118.5198% | 675 |
| Total domestic deposits to total assets | 78.2300% | 3,701 |
| Equity capital to assets | 20.4798% | 272 |
| Core capital (leverage) ratio | 20.2030% | 265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0192% | 374 |
| Memoranda: | ||
| Average total assets | $326,327,000 | 2,287 |
| Average earning assets | $297,992,200 | 2,321 |
| Average equity | $68,914,000 | 1,264 |
| Average total loans | $253,954,000 | 1,983 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1319% | 1,576 |
| Cost of funding earning assets | 1.4080% | 1,845 |
| Net interest margin | 3.7239% | 1,730 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 2.7807% | 1,477 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.6383% | 3,459 |
| Return on assets (ROA) | 0.6056% | 3,522 |
| Pretax return on assets | 0.8024% | 3,329 |
| Return on Equity (ROE) | 2.8500% | 4,112 |
| Retained earnings to average equity (ytd only) | 0.3663% | 4,059 |
| Net charge-offs to loans | -0.0047% | 3,735 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 75.3188% | 1,240 |
| Assets per employee ($millions) | 5.9395% | 2,809 |
| Cash dividends to net income (ytd only)* | 87.1314% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2524% | 2,094 |
| Loan loss allowance to noncurrent loans | 3,143.6893% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.0315% | 3,490 |
| Noncurrent loans to loans | 0.0398% | 3,480 |
| Net loans and leases to total assets | 78.1500% | 864 |
| Net loans and leases to deposits | 103.2930% | 376 |
| Net loans and leases to core deposits | 123.6281% | 468 |
| Total domestic deposits to total assets | 75.6600% | 4,044 |
| Equity capital to assets | 21.2765% | 255 |
| Core capital (leverage) ratio | 21.4283% | 222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8807% | 353 |
| Memoranda: | ||
| Average total assets | $328,491,500 | 2,279 |
| Average earning assets | $299,320,500 | 2,314 |
| Average equity | $69,878,000 | 1,248 |
| Average total loans | $254,476,250 | 1,982 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0159% | 1,536 |
| Cost of funding earning assets | 1.2205% | 1,926 |
| Net interest margin | 3.7955% | 1,637 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 2.7585% | 1,500 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.6779% | 3,393 |
| Return on assets (ROA) | 0.6357% | 3,506 |
| Pretax return on assets | 0.8411% | 3,299 |
| Return on Equity (ROE) | 2.9900% | 4,156 |
| Retained earnings to average equity (ytd only) | -0.7257% | 4,187 |
| Net charge-offs to loans | -0.0063% | 3,771 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.4823% | 1,405 |
| Assets per employee ($millions) | 5.9203% | 2,780 |
| Cash dividends to net income (ytd only)* | 124.2830% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2525% | 2,162 |
| Loan loss allowance to noncurrent loans | 3,112.5000% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.0314% | 3,474 |
| Noncurrent loans to loans | 0.0402% | 3,440 |
| Net loans and leases to total assets | 76.9700% | 951 |
| Net loans and leases to deposits | 101.0857% | 473 |
| Net loans and leases to core deposits | 121.9275% | 473 |
| Total domestic deposits to total assets | 76.1500% | 4,032 |
| Equity capital to assets | 21.0457% | 252 |
| Core capital (leverage) ratio | 21.1241% | 222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0428% | 354 |
| Memoranda: | ||
| Average total assets | $329,097,000 | 2,282 |
| Average earning assets | $299,725,000 | 2,317 |
| Average equity | $70,002,333 | 1,237 |
| Average total loans | $253,121,667 | 1,990 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8434% | 1,518 |
| Cost of funding earning assets | 0.9017% | 2,365 |
| Net interest margin | 3.9417% | 1,382 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 2.7608% | 1,527 |
| Loan and lease loss provision to assets | 0.1700% | 639 |
| Net operating income to assets | 0.7270% | 3,404 |
| Return on assets (ROA) | 0.6258% | 3,604 |
| Pretax return on assets | 0.8296% | 3,398 |
| Return on Equity (ROE) | 2.9300% | 4,194 |
| Retained earnings to average equity (ytd only) | -4.4897% | 4,309 |
| Net charge-offs to loans | -0.0096% | 3,836 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.9627% | 1,646 |
| Assets per employee ($millions) | 6.4015% | 2,406 |
| Cash dividends to net income (ytd only)* | 253.4113% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2525% | 2,278 |
| Loan loss allowance to noncurrent loans | 3,086.5385% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.0312% | 3,468 |
| Noncurrent loans to loans | 0.0406% | 3,445 |
| Net loans and leases to total assets | 76.0200% | 969 |
| Net loans and leases to deposits | 106.2204% | 247 |
| Net loans and leases to core deposits | 118.9240% | 469 |
| Total domestic deposits to total assets | 71.5700% | 4,372 |
| Equity capital to assets | 20.9489% | 210 |
| Core capital (leverage) ratio | 21.6646% | 215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0736% | 351 |
| Memoranda: | ||
| Average total assets | $327,878,000 | 2,325 |
| Average earning assets | $298,553,500 | 2,352 |
| Average equity | $70,116,500 | 1,247 |
| Average total loans | $250,465,000 | 2,026 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1053% | 1,466 |
| Cost of funding earning assets | 0.3231% | 2,696 |
| Net interest margin | 3.7822% | 1,194 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.6334% | 1,718 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.7954% | 3,343 |
| Return on assets (ROA) | 0.7954% | 3,272 |
| Pretax return on assets | 1.0648% | 2,878 |
| Return on Equity (ROE) | 3.5800% | 4,228 |
| Retained earnings to average equity (ytd only) | -4.1245% | 4,551 |
| Net charge-offs to loans | -0.0039% | 3,580 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.1039% | 1,672 |
| Assets per employee ($millions) | 6.2092% | 2,583 |
| Cash dividends to net income (ytd only)* | 215.1755% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0762% | 3,004 |
| Loan loss allowance to noncurrent loans | 1,803.4247% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.0452% | 3,357 |
| Noncurrent loans to loans | 0.0597% | 3,324 |
| Net loans and leases to total assets | 74.9600% | 1,134 |
| Net loans and leases to deposits | 100.7204% | 411 |
| Net loans and leases to core deposits | 108.9362% | 642 |
| Total domestic deposits to total assets | 74.4200% | 4,340 |
| Equity capital to assets | 21.8345% | 191 |
| Core capital (leverage) ratio | 22.6011% | 192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.2010% | 299 |
| Memoranda: | ||
| Average total assets | $333,029,600 | 2,285 |
| Average earning assets | $302,971,200 | 2,322 |
| Average equity | $73,972,600 | 1,201 |
| Average total loans | $228,572,800 | 2,064 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9403% | 1,382 |
| Cost of funding earning assets | 0.2818% | 2,365 |
| Net interest margin | 3.6585% | 1,248 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 2.5604% | 1,825 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.7716% | 3,348 |
| Return on assets (ROA) | 0.7716% | 3,305 |
| Pretax return on assets | 1.0315% | 2,927 |
| Return on Equity (ROE) | 3.4600% | 4,235 |
| Retained earnings to average equity (ytd only) | -6.6949% | 4,634 |
| Net charge-offs to loans | -0.0042% | 3,433 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.5573% | 1,694 |
| Assets per employee ($millions) | 5.8087% | 2,920 |
| Cash dividends to net income (ytd only)* | 293.5118% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0960% | 3,036 |
| Loan loss allowance to noncurrent loans | 1,697.9866% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.0475% | 3,427 |
| Noncurrent loans to loans | 0.0645% | 3,410 |
| Net loans and leases to total assets | 72.7800% | 1,204 |
| Net loans and leases to deposits | 94.5256% | 616 |
| Net loans and leases to core deposits | 97.7324% | 911 |
| Total domestic deposits to total assets | 77.0000% | 4,318 |
| Equity capital to assets | 22.1280% | 177 |
| Core capital (leverage) ratio | 21.7737% | 202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.5148% | 299 |
| Memoranda: | ||
| Average total assets | $335,567,250 | 2,296 |
| Average earning assets | $305,148,750 | 2,322 |
| Average equity | $74,841,000 | 1,204 |
| Average total loans | $224,553,250 | 2,081 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7339% | 1,458 |
| Cost of funding earning assets | 0.2525% | 2,232 |
| Net interest margin | 3.4814% | 1,368 |
| Noninterest income to average assets | 0.2998% | 3,362 |
| Noninterest expense to average assets | 2.4231% | 2,160 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7869% | 3,006 |
| Return on assets (ROA) | 0.7869% | 2,975 |
| Pretax return on assets | 1.0535% | 2,558 |
| Return on Equity (ROE) | 3.5198% | 4,129 |
| Retained earnings to average equity (ytd only) | 3.5198% | 3,267 |
| Net charge-offs to loans | -0.0027% | 3,184 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6980% | 2,003 |
| Assets per employee ($millions) | 6.0032% | 2,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1067% | 3,139 |
| Loan loss allowance to noncurrent loans | 1,611.2583% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 3,529 |
| Noncurrent loans to loans | 0.0687% | 3,455 |
| Net loans and leases to total assets | 65.8459% | 1,713 |
| Net loans and leases to deposits | 86.9353% | 911 |
| Net loans and leases to core deposits | 89.7789% | 1,134 |
| Total domestic deposits to total assets | 75.7413% | 4,474 |
| Equity capital to assets | 23.0654% | 115 |
| Core capital (leverage) ratio | 22.6003% | 130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.0286% | 204 |
| Memoranda: | ||
| Average total assets | $342,866,000 | 2,280 |
| Average earning assets | $312,860,000 | 2,310 |
| Average equity | $76,651,667 | 1,207 |
| Average total loans | $222,461,000 | 2,094 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5187% | 1,746 |
| Cost of funding earning assets | 0.2485% | 2,177 |
| Net interest margin | 3.2703% | 1,651 |
| Noninterest income to average assets | 0.3012% | 3,309 |
| Noninterest expense to average assets | 2.3138% | 2,449 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7296% | 2,937 |
| Return on assets (ROA) | 0.7296% | 2,928 |
| Pretax return on assets | 0.9725% | 2,531 |
| Return on Equity (ROE) | 3.3134% | 4,030 |
| Retained earnings to average equity (ytd only) | 3.3134% | 3,166 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4078% | 2,170 |
| Assets per employee ($millions) | 6.6936% | 2,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0921% | 3,356 |
| Loan loss allowance to noncurrent loans | 874.1007% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.0814% | 3,265 |
| Noncurrent loans to loans | 0.1249% | 3,196 |
| Net loans and leases to total assets | 64.4689% | 1,559 |
| Net loans and leases to deposits | 85.9412% | 745 |
| Net loans and leases to core deposits | 89.7308% | 937 |
| Total domestic deposits to total assets | 75.0151% | 4,539 |
| Equity capital to assets | 22.3752% | 114 |
| Core capital (leverage) ratio | 21.6962% | 132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.5465% | 185 |
| Memoranda: | ||
| Average total assets | $349,212,000 | 2,263 |
| Average earning assets | $318,751,500 | 2,292 |
| Average equity | $76,899,500 | 1,232 |
| Average total loans | $223,772,000 | 2,084 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5374% | 2,550 |
| Cost of funding earning assets | 0.3085% | 2,312 |
| Net interest margin | 3.2289% | 2,519 |
| Noninterest income to average assets | 0.3616% | 3,268 |
| Noninterest expense to average assets | 2.4706% | 2,277 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6467% | 3,757 |
| Return on assets (ROA) | 0.6467% | 3,814 |
| Pretax return on assets | 0.8638% | 3,588 |
| Return on Equity (ROE) | 2.9354% | 4,367 |
| Retained earnings to average equity (ytd only) | 2.9354% | 3,656 |
| Net charge-offs to loans | 0.1796% | 538 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 7.8950% | 2,325 |
| Efficiency ratio | 74.0935% | 1,290 |
| Assets per employee ($millions) | 6.7368% | 2,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0798% | 3,445 |
| Loan loss allowance to noncurrent loans | 855.6338% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.0795% | 3,392 |
| Noncurrent loans to loans | 0.1262% | 3,298 |
| Net loans and leases to total assets | 62.3453% | 1,900 |
| Net loans and leases to deposits | 82.2741% | 1,040 |
| Net loans and leases to core deposits | 85.7096% | 1,222 |
| Total domestic deposits to total assets | 75.7776% | 4,520 |
| Equity capital to assets | 21.6821% | 130 |
| Core capital (leverage) ratio | 21.3780% | 138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.6024% | 226 |
| Memoranda: | ||
| Average total assets | $348,210,200 | 2,208 |
| Average earning assets | $320,606,600 | 2,226 |
| Average equity | $76,719,600 | 1,248 |
| Average total loans | $212,144,800 | 2,159 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6224% | 2,494 |
| Cost of funding earning assets | 0.3244% | 2,355 |
| Net interest margin | 3.2980% | 2,419 |
| Noninterest income to average assets | 0.3692% | 3,254 |
| Noninterest expense to average assets | 2.5406% | 2,001 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6909% | 3,788 |
| Return on assets (ROA) | 0.6909% | 3,854 |
| Pretax return on assets | 0.8690% | 3,760 |
| Return on Equity (ROE) | 3.1231% | 4,446 |
| Retained earnings to average equity (ytd only) | 3.1231% | 3,862 |
| Net charge-offs to loans | 0.2457% | 334 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 5.8571% | 2,206 |
| Efficiency ratio | 74.5140% | 1,173 |
| Assets per employee ($millions) | 6.7030% | 2,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1622% | 3,151 |
| Loan loss allowance to noncurrent loans | 1,355.3073% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.0504% | 3,807 |
| Noncurrent loans to loans | 0.0858% | 3,656 |
| Net loans and leases to total assets | 58.0744% | 2,481 |
| Net loans and leases to deposits | 76.6474% | 1,604 |
| Net loans and leases to core deposits | 79.8803% | 1,744 |
| Total domestic deposits to total assets | 75.7683% | 4,556 |
| Equity capital to assets | 21.7332% | 137 |
| Core capital (leverage) ratio | 21.4222% | 143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.4487% | 189 |
| Memoranda: | ||
| Average total assets | $346,000,250 | 2,240 |
| Average earning assets | $318,969,250 | 2,259 |
| Average equity | $76,545,500 | 1,271 |
| Average total loans | $208,922,500 | 2,208 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7888% | 2,100 |
| Cost of funding earning assets | 0.3354% | 2,442 |
| Net interest margin | 3.4534% | 1,995 |
| Noninterest income to average assets | 0.3657% | 3,273 |
| Noninterest expense to average assets | 2.6362% | 1,759 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7290% | 3,688 |
| Return on assets (ROA) | 0.7290% | 3,755 |
| Pretax return on assets | 0.9180% | 3,619 |
| Return on Equity (ROE) | 3.2755% | 4,433 |
| Retained earnings to average equity (ytd only) | 3.2755% | 3,750 |
| Net charge-offs to loans | 0.3704% | 231 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 4.0672% | 2,044 |
| Efficiency ratio | 74.1713% | 1,233 |
| Assets per employee ($millions) | 5.9743% | 2,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2095% | 2,876 |
| Loan loss allowance to noncurrent loans | 719.2878% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.0956% | 3,574 |
| Noncurrent loans to loans | 0.1681% | 3,374 |
| Net loans and leases to total assets | 56.1718% | 2,879 |
| Net loans and leases to deposits | 74.7057% | 1,934 |
| Net loans and leases to core deposits | 78.1090% | 2,036 |
| Total domestic deposits to total assets | 75.1907% | 4,606 |
| Equity capital to assets | 21.7896% | 134 |
| Core capital (leverage) ratio | 21.7287% | 136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.7019% | 180 |
| Memoranda: | ||
| Average total assets | $342,914,333 | 2,238 |
| Average earning assets | $316,613,667 | 2,254 |
| Average equity | $76,324,333 | 1,265 |
| Average total loans | $208,983,333 | 2,215 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0461% | 1,520 |
| Cost of funding earning assets | 0.3398% | 2,623 |
| Net interest margin | 3.7063% | 1,320 |
| Noninterest income to average assets | 0.4211% | 2,986 |
| Noninterest expense to average assets | 2.7410% | 1,515 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8742% | 3,197 |
| Return on assets (ROA) | 0.8742% | 3,281 |
| Pretax return on assets | 1.1120% | 3,083 |
| Return on Equity (ROE) | 3.8852% | 4,307 |
| Retained earnings to average equity (ytd only) | 3.8852% | 3,535 |
| Net charge-offs to loans | -0.0038% | 3,295 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1391% | 1,593 |
| Assets per employee ($millions) | 5.4470% | 3,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3571% | 2,172 |
| Loan loss allowance to noncurrent loans | 244.8216% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.3402% | 2,437 |
| Noncurrent loans to loans | 0.5543% | 2,197 |
| Net loans and leases to total assets | 60.5460% | 2,472 |
| Net loans and leases to deposits | 81.0900% | 1,416 |
| Net loans and leases to core deposits | 84.3522% | 1,649 |
| Total domestic deposits to total assets | 74.6652% | 4,645 |
| Equity capital to assets | 22.5781% | 118 |
| Core capital (leverage) ratio | 22.2661% | 127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.1586% | 182 |
| Memoranda: | ||
| Average total assets | $338,129,000 | 2,245 |
| Average earning assets | $313,092,000 | 2,254 |
| Average equity | $76,084,000 | 1,261 |
| Average total loans | $213,264,500 | 2,195 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9767% | 2,799 |
| Cost of funding earning assets | 0.5807% | 2,444 |
| Net interest margin | 3.3960% | 2,793 |
| Noninterest income to average assets | 0.3937% | 3,128 |
| Noninterest expense to average assets | 2.4461% | 3,005 |
| Loan and lease loss provision to assets | 0.1748% | 2,198 |
| Net operating income to assets | 0.7245% | 3,352 |
| Return on assets (ROA) | 0.7285% | 3,462 |
| Pretax return on assets | 0.9592% | 3,182 |
| Return on Equity (ROE) | 3.0839% | 4,356 |
| Retained earnings to average equity (ytd only) | 3.0839% | 3,309 |
| Net charge-offs to loans | -0.0133% | 4,327 |
| Credit loss provision to net charge-offs | -1,925.9259% | 4,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4220% | 2,175 |
| Assets per employee ($millions) | 7.8730% | 1,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2821% | 2,504 |
| Loan loss allowance to noncurrent loans | 263.4489% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.3521% | 2,576 |
| Noncurrent loans to loans | 0.4867% | 2,508 |
| Net loans and leases to total assets | 63.9305% | 2,374 |
| Net loans and leases to deposits | 85.5824% | 1,285 |
| Net loans and leases to core deposits | 88.9177% | 1,616 |
| Total domestic deposits to total assets | 74.7006% | 4,596 |
| Equity capital to assets | 22.4251% | 126 |
| Core capital (leverage) ratio | 25.1850% | 95 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.3389% | 188 |
| Memoranda: | ||
| Average total assets | $297,448,400 | 2,300 |
| Average earning assets | $278,651,400 | 2,299 |
| Average equity | $70,268,000 | 1,294 |
| Average total loans | $203,093,400 | 2,211 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1056% | 2,660 |
| Cost of funding earning assets | 0.6619% | 2,255 |
| Net interest margin | 3.4437% | 2,770 |
| Noninterest income to average assets | 0.3598% | 3,313 |
| Noninterest expense to average assets | 2.4913% | 2,877 |
| Loan and lease loss provision to assets | 0.1463% | 2,559 |
| Net operating income to assets | 0.7373% | 3,328 |
| Return on assets (ROA) | 0.7428% | 3,410 |
| Pretax return on assets | 0.9513% | 3,229 |
| Return on Equity (ROE) | 3.0982% | 4,372 |
| Retained earnings to average equity (ytd only) | 3.0982% | 3,481 |
| Net charge-offs to loans | -0.0161% | 4,357 |
| Credit loss provision to net charge-offs | -1,312.5000% | 3,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5528% | 1,951 |
| Assets per employee ($millions) | 6.9667% | 1,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2639% | 2,328 |
| Loan loss allowance to noncurrent loans | 188.9695% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.4824% | 2,268 |
| Noncurrent loans to loans | 0.6689% | 2,113 |
| Net loans and leases to total assets | 71.2163% | 1,782 |
| Net loans and leases to deposits | 105.0653% | 355 |
| Net loans and leases to core deposits | 110.4524% | 685 |
| Total domestic deposits to total assets | 67.7829% | 4,816 |
| Equity capital to assets | 26.3866% | 82 |
| Core capital (leverage) ratio | 25.9299% | 86 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.0454% | 203 |
| Memoranda: | ||
| Average total assets | $287,175,250 | 2,343 |
| Average earning assets | $268,699,250 | 2,338 |
| Average equity | $68,855,500 | 1,303 |
| Average total loans | $199,056,250 | 2,243 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1736% | 2,839 |
| Cost of funding earning assets | 0.7323% | 2,221 |
| Net interest margin | 3.4412% | 2,971 |
| Noninterest income to average assets | 0.3108% | 3,599 |
| Noninterest expense to average assets | 2.4812% | 3,018 |
| Loan and lease loss provision to assets | 0.1773% | 2,245 |
| Net operating income to assets | 0.6731% | 3,494 |
| Return on assets (ROA) | 0.6813% | 3,563 |
| Pretax return on assets | 0.8871% | 3,346 |
| Return on Equity (ROE) | 2.9392% | 4,368 |
| Retained earnings to average equity (ytd only) | 2.9392% | 3,415 |
| Net charge-offs to loans | -0.0234% | 4,457 |
| Credit loss provision to net charge-offs | -1,108.6957% | 3,770 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1868% | 1,932 |
| Assets per employee ($millions) | 7.3340% | 1,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2542% | 2,238 |
| Loan loss allowance to noncurrent loans | 182.0917% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.5942% | 2,028 |
| Noncurrent loans to loans | 0.6888% | 2,152 |
| Net loans and leases to total assets | 68.2236% | 2,314 |
| Net loans and leases to deposits | 98.7673% | 617 |
| Net loans and leases to core deposits | 108.8711% | 776 |
| Total domestic deposits to total assets | 69.0751% | 4,818 |
| Equity capital to assets | 25.4691% | 98 |
| Core capital (leverage) ratio | 25.3595% | 96 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.8173% | 199 |
| Memoranda: | ||
| Average total assets | $287,689,000 | 2,323 |
| Average earning assets | $269,553,333 | 2,308 |
| Average equity | $66,684,333 | 1,322 |
| Average total loans | $196,734,333 | 2,239 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1978% | 3,214 |
| Cost of funding earning assets | 0.8122% | 2,311 |
| Net interest margin | 3.3855% | 3,342 |
| Noninterest income to average assets | 0.2598% | 3,990 |
| Noninterest expense to average assets | 2.4799% | 3,337 |
| Loan and lease loss provision to assets | 0.0562% | 3,059 |
| Net operating income to assets | 0.6670% | 3,378 |
| Return on assets (ROA) | 0.6670% | 3,448 |
| Pretax return on assets | 0.8903% | 3,165 |
| Return on Equity (ROE) | 3.0318% | 4,212 |
| Retained earnings to average equity (ytd only) | 3.0318% | 3,074 |
| Net charge-offs to loans | -0.0062% | 3,919 |
| Credit loss provision to net charge-offs | -1,333.3333% | 3,615 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3770% | 2,025 |
| Assets per employee ($millions) | 7.3158% | 961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1784% | 2,782 |
| Loan loss allowance to noncurrent loans | 327.2340% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.3784% | 2,925 |
| Noncurrent loans to loans | 0.3601% | 3,204 |
| Net loans and leases to total assets | 69.5896% | 2,310 |
| Net loans and leases to deposits | 101.4601% | 468 |
| Net loans and leases to core deposits | 113.4644% | 687 |
| Total domestic deposits to total assets | 68.5881% | 4,908 |
| Equity capital to assets | 26.5356% | 95 |
| Core capital (leverage) ratio | 26.1184% | 100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.9943% | 185 |
| Memoranda: | ||
| Average total assets | $284,854,000 | 2,290 |
| Average earning assets | $266,427,000 | 2,280 |
| Average equity | $62,668,500 | 1,379 |
| Average total loans | $193,760,500 | 2,234 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4869% | 2,988 |
| Cost of funding earning assets | 1.1176% | 1,265 |
| Net interest margin | 3.3693% | 3,826 |
| Noninterest income to average assets | 0.3597% | 3,548 |
| Noninterest expense to average assets | 2.5441% | 3,337 |
| Loan and lease loss provision to assets | 0.0752% | 2,490 |
| Net operating income to assets | 0.6781% | 3,930 |
| Return on assets (ROA) | 0.6769% | 4,002 |
| Pretax return on assets | 0.8979% | 3,748 |
| Return on Equity (ROE) | 3.5809% | 4,558 |
| Retained earnings to average equity (ytd only) | 3.5809% | 3,212 |
| Net charge-offs to loans | 0.0273% | 2,848 |
| Credit loss provision to net charge-offs | 370.3704% | 749 |
| Earnings coverage of net charge-offs (x) | 48.0185% | 1,157 |
| Efficiency ratio | 72.3029% | 1,827 |
| Assets per employee ($millions) | 7.4797% | 871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1807% | 2,547 |
| Loan loss allowance to noncurrent loans | 211.5888% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.3956% | 2,818 |
| Noncurrent loans to loans | 0.5580% | 2,505 |
| Net loans and leases to total assets | 64.9591% | 3,073 |
| Net loans and leases to deposits | 83.5211% | 2,381 |
| Net loans and leases to core deposits | 92.1833% | 2,221 |
| Total domestic deposits to total assets | 77.7757% | 4,395 |
| Equity capital to assets | 17.6780% | 395 |
| Core capital (leverage) ratio | 19.4022% | 264 |
| Tier 1 risk-based capital ratio | 23.6689% | 855 |
| Total risk-based capital ratio | 24.7312% | 854 |
| Memoranda: | ||
| Average total assets | $266,066,000 | 2,353 |
| Average earning assets | $249,459,600 | 2,342 |
| Average equity | $50,294,200 | 1,590 |
| Average total loans | $197,483,000 | 2,186 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5826% | 2,781 |
| Cost of funding earning assets | 1.1704% | 1,116 |
| Net interest margin | 3.4122% | 3,835 |
| Noninterest income to average assets | 0.3420% | 3,682 |
| Noninterest expense to average assets | 2.6147% | 3,122 |
| Loan and lease loss provision to assets | 0.1027% | 1,869 |
| Net operating income to assets | 0.6133% | 4,263 |
| Return on assets (ROA) | 0.6121% | 4,316 |
| Pretax return on assets | 0.8118% | 4,096 |
| Return on Equity (ROE) | 3.1801% | 4,740 |
| Retained earnings to average equity (ytd only) | 3.1801% | 3,817 |
| Net charge-offs to loans | 0.0375% | 2,337 |
| Credit loss provision to net charge-offs | 357.1429% | 840 |
| Earnings coverage of net charge-offs (x) | 31.8592% | 1,568 |
| Efficiency ratio | 74.0547% | 1,558 |
| Assets per employee ($millions) | 6.1425% | 1,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1501% | 2,773 |
| Loan loss allowance to noncurrent loans | 186.1728% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.5035% | 2,514 |
| Noncurrent loans to loans | 0.6177% | 2,426 |
| Net loans and leases to total assets | 75.3632% | 1,592 |
| Net loans and leases to deposits | 102.5843% | 474 |
| Net loans and leases to core deposits | 135.5001% | 236 |
| Total domestic deposits to total assets | 73.4646% | 4,838 |
| Equity capital to assets | 19.7970% | 270 |
| Core capital (leverage) ratio | 19.3645% | 273 |
| Tier 1 risk-based capital ratio | 24.1644% | 829 |
| Total risk-based capital ratio | 25.2641% | 826 |
| Memoranda: | ||
| Average total assets | $259,655,500 | 2,420 |
| Average earning assets | $242,649,500 | 2,401 |
| Average equity | $49,975,750 | 1,600 |
| Average total loans | $198,915,000 | 2,190 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5496% | 2,851 |
| Cost of funding earning assets | 1.1594% | 1,109 |
| Net interest margin | 3.3902% | 3,925 |
| Noninterest income to average assets | 0.3374% | 3,675 |
| Noninterest expense to average assets | 2.6163% | 3,161 |
| Loan and lease loss provision to assets | 0.1191% | 1,567 |
| Net operating income to assets | 0.5844% | 4,347 |
| Return on assets (ROA) | 0.5826% | 4,391 |
| Pretax return on assets | 0.7709% | 4,161 |
| Return on Equity (ROE) | 3.0558% | 4,785 |
| Retained earnings to average equity (ytd only) | 3.0558% | 3,692 |
| Net charge-offs to loans | 0.0210% | 2,434 |
| Credit loss provision to net charge-offs | 738.0952% | 451 |
| Earnings coverage of net charge-offs (x) | 55.2857% | 1,036 |
| Efficiency ratio | 74.5674% | 1,574 |
| Assets per employee ($millions) | 6.4599% | 1,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1420% | 2,833 |
| Loan loss allowance to noncurrent loans | 201.6115% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.4648% | 2,673 |
| Noncurrent loans to loans | 0.5664% | 2,562 |
| Net loans and leases to total assets | 75.4470% | 1,637 |
| Net loans and leases to deposits | 103.1983% | 461 |
| Net loans and leases to core deposits | 131.1510% | 305 |
| Total domestic deposits to total assets | 73.1087% | 4,898 |
| Equity capital to assets | 19.5111% | 267 |
| Core capital (leverage) ratio | 19.0489% | 274 |
| Tier 1 risk-based capital ratio | 24.4853% | 806 |
| Total risk-based capital ratio | 25.6045% | 801 |
| Memoranda: | ||
| Average total assets | $260,212,670 | 2,418 |
| Average earning assets | $243,405,670 | 2,405 |
| Average equity | $49,610,000 | 1,604 |
| Average total loans | $199,657,670 | 2,192 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4789% | 2,944 |
| Cost of funding earning assets | 1.1226% | 1,114 |
| Net interest margin | 3.3563% | 4,017 |
| Noninterest income to average assets | 0.2405% | 4,283 |
| Noninterest expense to average assets | 2.6302% | 3,122 |
| Loan and lease loss provision to assets | 0.1072% | 1,659 |
| Net operating income to assets | 0.4937% | 4,538 |
| Return on assets (ROA) | 0.4841% | 4,586 |
| Pretax return on assets | 0.6373% | 4,448 |
| Return on Equity (ROE) | 2.5687% | 4,880 |
| Retained earnings to average equity (ytd only) | 2.5687% | 3,901 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6572% | 1,311 |
| Assets per employee ($millions) | 6.4899% | 1,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0925% | 3,175 |
| Loan loss allowance to noncurrent loans | 310.3546% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.2982% | 3,411 |
| Noncurrent loans to loans | 0.3520% | 3,322 |
| Net loans and leases to total assets | 76.3070% | 1,430 |
| Net loans and leases to deposits | 102.8505% | 458 |
| Net loans and leases to core deposits | 131.1611% | 294 |
| Total domestic deposits to total assets | 74.1922% | 4,914 |
| Equity capital to assets | 19.1004% | 278 |
| Core capital (leverage) ratio | 18.6501% | 294 |
| Tier 1 risk-based capital ratio | 23.9385% | 848 |
| Total risk-based capital ratio | 25.0113% | 839 |
| Memoranda: | ||
| Average total assets | $261,121,000 | 2,435 |
| Average earning assets | $244,792,000 | 2,417 |
| Average equity | $49,207,000 | 1,600 |
| Average total loans | $200,884,500 | 2,205 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3041% | 3,100 |
| Cost of funding earning assets | 0.8585% | 1,269 |
| Net interest margin | 3.4456% | 3,866 |
| Noninterest income to average assets | 0.3532% | 3,740 |
| Noninterest expense to average assets | 2.6613% | 3,148 |
| Loan and lease loss provision to assets | 0.1952% | 971 |
| Net operating income to assets | 0.5504% | 4,549 |
| Return on assets (ROA) | 0.4890% | 4,685 |
| Pretax return on assets | 0.6405% | 4,557 |
| Return on Equity (ROE) | 2.6783% | 4,961 |
| Retained earnings to average equity (ytd only) | 2.6783% | 4,065 |
| Net charge-offs to loans | 0.1029% | 1,730 |
| Credit loss provision to net charge-offs | 263.0769% | 1,141 |
| Earnings coverage of net charge-offs (x) | 12.3077% | 2,544 |
| Efficiency ratio | 74.4491% | 1,564 |
| Assets per employee ($millions) | 6.1080% | 1,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0512% | 3,375 |
| Loan loss allowance to noncurrent loans | 294.1667% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.3004% | 3,373 |
| Noncurrent loans to loans | 0.3573% | 3,258 |
| Net loans and leases to total assets | 75.9094% | 1,633 |
| Net loans and leases to deposits | 102.3833% | 567 |
| Net loans and leases to core deposits | 132.7896% | 276 |
| Total domestic deposits to total assets | 74.1424% | 4,941 |
| Equity capital to assets | 18.5916% | 296 |
| Core capital (leverage) ratio | 18.4029% | 301 |
| Tier 1 risk-based capital ratio | 23.7006% | 847 |
| Total risk-based capital ratio | 24.7355% | 842 |
| Memoranda: | ||
| Average total assets | $262,765,400 | 2,379 |
| Average earning assets | $245,673,400 | 2,370 |
| Average equity | $47,977,600 | 1,571 |
| Average total loans | $189,580,600 | 2,253 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2182% | 3,252 |
| Cost of funding earning assets | 0.7952% | 1,365 |
| Net interest margin | 3.4230% | 3,937 |
| Noninterest income to average assets | 0.3328% | 3,927 |
| Noninterest expense to average assets | 2.6844% | 3,017 |
| Loan and lease loss provision to assets | 0.2106% | 803 |
| Net operating income to assets | 0.4856% | 4,785 |
| Return on assets (ROA) | 0.4937% | 4,778 |
| Pretax return on assets | 0.6454% | 4,644 |
| Return on Equity (ROE) | 2.7160% | 5,042 |
| Retained earnings to average equity (ytd only) | 2.7160% | 4,337 |
| Net charge-offs to loans | 0.1393% | 1,171 |
| Credit loss provision to net charge-offs | 212.8205% | 1,321 |
| Earnings coverage of net charge-offs (x) | 8.5488% | 2,695 |
| Efficiency ratio | 76.0420% | 1,342 |
| Assets per employee ($millions) | 7.2506% | 856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0105% | 3,689 |
| Loan loss allowance to noncurrent loans | 208.8935% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 0.3605% | 3,231 |
| Noncurrent loans to loans | 0.4838% | 2,938 |
| Net loans and leases to total assets | 73.7586% | 2,023 |
| Net loans and leases to deposits | 99.5577% | 823 |
| Net loans and leases to core deposits | 114.6983% | 778 |
| Total domestic deposits to total assets | 74.0863% | 4,972 |
| Equity capital to assets | 17.8741% | 345 |
| Core capital (leverage) ratio | 17.9562% | 333 |
| Tier 1 risk-based capital ratio | 23.3271% | 910 |
| Total risk-based capital ratio | 24.2991% | 909 |
| Memoranda: | ||
| Average total assets | $262,795,250 | 2,396 |
| Average earning assets | $245,470,000 | 2,381 |
| Average equity | $47,764,500 | 1,576 |
| Average total loans | $186,603,000 | 2,291 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1329% | 3,337 |
| Cost of funding earning assets | 0.7032% | 1,604 |
| Net interest margin | 3.4297% | 3,864 |
| Noninterest income to average assets | 0.3119% | 4,087 |
| Noninterest expense to average assets | 2.7191% | 2,945 |
| Loan and lease loss provision to assets | 0.2330% | 685 |
| Net operating income to assets | 0.4337% | 4,892 |
| Return on assets (ROA) | 0.4391% | 4,882 |
| Pretax return on assets | 0.5702% | 4,783 |
| Return on Equity (ROE) | 2.4024% | 5,115 |
| Retained earnings to average equity (ytd only) | 2.4024% | 4,304 |
| Net charge-offs to loans | 0.2152% | 738 |
| Credit loss provision to net charge-offs | 155.1020% | 1,544 |
| Earnings coverage of net charge-offs (x) | 5.3010% | 2,720 |
| Efficiency ratio | 77.3490% | 1,268 |
| Assets per employee ($millions) | 5.6562% | 1,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9786% | 3,967 |
| Loan loss allowance to noncurrent loans | 197.1074% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 0.3641% | 3,284 |
| Noncurrent loans to loans | 0.4965% | 2,940 |
| Net loans and leases to total assets | 72.6210% | 2,179 |
| Net loans and leases to deposits | 108.0977% | 347 |
| Net loans and leases to core deposits | 116.4299% | 695 |
| Total domestic deposits to total assets | 67.1809% | 5,360 |
| Equity capital to assets | 17.9539% | 327 |
| Core capital (leverage) ratio | 18.5940% | 289 |
| Tier 1 risk-based capital ratio | 24.1357% | 820 |
| Total risk-based capital ratio | 25.0936% | 817 |
| Memoranda: | ||
| Average total assets | $260,970,000 | 2,411 |
| Average earning assets | $243,752,670 | 2,407 |
| Average equity | $47,702,330 | 1,579 |
| Average total loans | $182,173,000 | 2,335 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8973% | 3,932 |
| Cost of funding earning assets | 0.6617% | 1,650 |
| Net interest margin | 3.2356% | 4,353 |
| Noninterest income to average assets | 0.2847% | 4,271 |
| Noninterest expense to average assets | 2.7416% | 2,905 |
| Loan and lease loss provision to assets | 0.1779% | 974 |
| Net operating income to assets | 0.3043% | 5,084 |
| Return on assets (ROA) | 0.3141% | 5,077 |
| Pretax return on assets | 0.3961% | 5,044 |
| Return on Equity (ROE) | 1.7027% | 5,221 |
| Retained earnings to average equity (ytd only) | 1.7027% | 4,439 |
| Net charge-offs to loans | 0.2412% | 633 |
| Credit loss provision to net charge-offs | 108.4906% | 1,465 |
| Earnings coverage of net charge-offs (x) | 3.4245% | 2,391 |
| Efficiency ratio | 82.9977% | 863 |
| Assets per employee ($millions) | 5.7905% | 1,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0146% | 3,868 |
| Loan loss allowance to noncurrent loans | 191.8346% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.4793% | 2,940 |
| Noncurrent loans to loans | 0.5289% | 2,937 |
| Net loans and leases to total assets | 67.7277% | 2,796 |
| Net loans and leases to deposits | 88.6558% | 1,847 |
| Net loans and leases to core deposits | 94.2493% | 2,117 |
| Total domestic deposits to total assets | 76.3939% | 4,930 |
| Equity capital to assets | 18.2241% | 298 |
| Core capital (leverage) ratio | 18.7593% | 268 |
| Tier 1 risk-based capital ratio | 26.0964% | 677 |
| Total risk-based capital ratio | 27.0861% | 680 |
| Memoranda: | ||
| Average total assets | $258,534,000 | 2,453 |
| Average earning assets | $241,194,500 | 2,441 |
| Average equity | $47,689,000 | 1,592 |
| Average total loans | $175,777,000 | 2,403 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9546% | 3,553 |
| Cost of funding earning assets | 0.6838% | 1,119 |
| Net interest margin | 3.2708% | 4,247 |
| Noninterest income to average assets | 0.3610% | 3,885 |
| Noninterest expense to average assets | 3.1611% | 1,696 |
| Loan and lease loss provision to assets | 0.1688% | 1,302 |
| Net operating income to assets | -0.0793% | 5,408 |
| Return on assets (ROA) | -0.0741% | 5,406 |
| Pretax return on assets | 0.0322% | 5,420 |
| Return on Equity (ROE) | -0.4980% | 5,401 |
| Retained earnings to average equity (ytd only) | -0.4980% | 5,118 |
| Net charge-offs to loans | 0.0566% | 2,674 |
| Credit loss provision to net charge-offs | 431.9588% | 717 |
| Earnings coverage of net charge-offs (x) | 4.9381% | 3,394 |
| Efficiency ratio | 94.2456% | 289 |
| Assets per employee ($millions) | 5.8294% | 1,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0389% | 3,690 |
| Loan loss allowance to noncurrent loans | 144.8109% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 0.7259% | 2,152 |
| Noncurrent loans to loans | 0.7174% | 2,410 |
| Net loans and leases to total assets | 66.8493% | 2,987 |
| Net loans and leases to deposits | 88.3571% | 1,976 |
| Net loans and leases to core deposits | 94.4009% | 2,157 |
| Total domestic deposits to total assets | 75.6580% | 5,018 |
| Equity capital to assets | 18.6713% | 266 |
| Core capital (leverage) ratio | 17.1982% | 358 |
| Tier 1 risk-based capital ratio | 26.8161% | 603 |
| Total risk-based capital ratio | 27.8320% | 609 |
| Memoranda: | ||
| Average total assets | $248,173,000 | 2,503 |
| Average earning assets | $227,102,400 | 2,526 |
| Average equity | $36,949,000 | 1,984 |
| Average total loans | $171,390,000 | 2,408 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8889% | 3,715 |
| Cost of funding earning assets | 0.7023% | 953 |
| Net interest margin | 3.1866% | 4,485 |
| Noninterest income to average assets | 0.3419% | 4,091 |
| Noninterest expense to average assets | 3.0427% | 1,986 |
| Loan and lease loss provision to assets | 0.0899% | 2,277 |
| Net operating income to assets | 0.1138% | 5,437 |
| Return on assets (ROA) | 0.1246% | 5,430 |
| Pretax return on assets | 0.1235% | 5,444 |
| Return on Equity (ROE) | 0.8963% | 5,444 |
| Retained earnings to average equity (ytd only) | 0.8963% | 5,004 |
| Net charge-offs to loans | 0.0484% | 2,468 |
| Credit loss provision to net charge-offs | 267.7419% | 1,076 |
| Earnings coverage of net charge-offs (x) | 6.0325% | 3,030 |
| Efficiency ratio | 93.7563% | 293 |
| Assets per employee ($millions) | 6.2859% | 1,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8841% | 4,632 |
| Loan loss allowance to noncurrent loans | 100.5079% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 0.5827% | 2,774 |
| Noncurrent loans to loans | 0.8797% | 2,175 |
| Net loans and leases to total assets | 65.6559% | 3,155 |
| Net loans and leases to deposits | 82.8168% | 2,683 |
| Net loans and leases to core deposits | 86.6096% | 2,911 |
| Total domestic deposits to total assets | 79.2785% | 4,483 |
| Equity capital to assets | 12.7187% | 1,535 |
| Core capital (leverage) ratio | 14.2840% | 819 |
| Tier 1 risk-based capital ratio | 18.5205% | 1,719 |
| Total risk-based capital ratio | 19.3761% | 1,779 |
| Memoranda: | ||
| Average total assets | $246,092,500 | 2,534 |
| Average earning assets | $224,222,250 | 2,573 |
| Average equity | $34,213,500 | 2,138 |
| Average total loans | $170,921,250 | 2,425 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9902% | 3,239 |
| Cost of funding earning assets | 0.7129% | 833 |
| Net interest margin | 3.2773% | 4,185 |
| Noninterest income to average assets | 0.3218% | 4,252 |
| Noninterest expense to average assets | 3.0367% | 2,024 |
| Loan and lease loss provision to assets | 0.0865% | 2,254 |
| Net operating income to assets | 0.1613% | 5,443 |
| Return on assets (ROA) | 0.1613% | 5,444 |
| Pretax return on assets | 0.1613% | 5,455 |
| Return on Equity (ROE) | 1.1242% | 5,455 |
| Retained earnings to average equity (ytd only) | 1.1242% | 4,791 |
| Net charge-offs to loans | 0.0737% | 1,883 |
| Credit loss provision to net charge-offs | 166.1290% | 1,426 |
| Earnings coverage of net charge-offs (x) | 4.7581% | 2,888 |
| Efficiency ratio | 92.4533% | 349 |
| Assets per employee ($millions) | 6.0551% | 1,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9043% | 4,626 |
| Loan loss allowance to noncurrent loans | 85.7708% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 1.0760% | 1,625 |
| Noncurrent loans to loans | 1.0543% | 1,868 |
| Net loans and leases to total assets | 70.4891% | 2,442 |
| Net loans and leases to deposits | 89.6629% | 1,782 |
| Net loans and leases to core deposits | 94.0404% | 2,150 |
| Total domestic deposits to total assets | 78.6157% | 4,706 |
| Equity capital to assets | 14.5344% | 816 |
| Core capital (leverage) ratio | 14.5202% | 737 |
| Tier 1 risk-based capital ratio | 21.1035% | 1,163 |
| Total risk-based capital ratio | 22.0401% | 1,198 |
| Memoranda: | ||
| Average total assets | $238,025,330 | 2,610 |
| Average earning assets | $215,176,000 | 2,653 |
| Average equity | $34,158,670 | 2,134 |
| Average total loans | $168,212,670 | 2,463 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9580% | 3,181 |
| Cost of funding earning assets | 0.7012% | 838 |
| Net interest margin | 3.2568% | 4,147 |
| Noninterest income to average assets | 0.3599% | 3,958 |
| Noninterest expense to average assets | 3.0666% | 1,966 |
| Loan and lease loss provision to assets | 0.0854% | 2,109 |
| Net operating income to assets | 0.1356% | 5,471 |
| Return on assets (ROA) | 0.1356% | 5,481 |
| Pretax return on assets | 0.1389% | 5,491 |
| Return on Equity (ROE) | 0.9508% | 5,503 |
| Retained earnings to average equity (ytd only) | 0.9508% | 4,677 |
| Net charge-offs to loans | 0.1212% | 1,198 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 2.6275% | 2,567 |
| Efficiency ratio | 93.1841% | 412 |
| Assets per employee ($millions) | 5.2496% | 2,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8822% | 4,825 |
| Loan loss allowance to noncurrent loans | 84.8937% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 1.0913% | 1,634 |
| Noncurrent loans to loans | 1.0392% | 1,979 |
| Net loans and leases to total assets | 70.2912% | 2,324 |
| Net loans and leases to deposits | 91.8235% | 1,348 |
| Net loans and leases to core deposits | 96.1488% | 1,812 |
| Total domestic deposits to total assets | 76.5504% | 5,168 |
| Equity capital to assets | 14.4584% | 769 |
| Core capital (leverage) ratio | 14.4273% | 735 |
| Tier 1 risk-based capital ratio | 20.3791% | 1,323 |
| Total risk-based capital ratio | 21.2621% | 1,355 |
| Memoranda: | ||
| Average total assets | $238,963,000 | 2,628 |
| Average earning assets | $215,060,000 | 2,681 |
| Average equity | $34,076,500 | 2,145 |
| Average total loans | $168,329,500 | 2,472 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9917% | 3,214 |
| Cost of funding earning assets | 0.7425% | 657 |
| Net interest margin | 3.2492% | 4,302 |
| Noninterest income to average assets | 0.3351% | 4,338 |
| Noninterest expense to average assets | 2.9602% | 2,463 |
| Loan and lease loss provision to assets | 0.3453% | 495 |
| Net operating income to assets | 0.0172% | 5,627 |
| Return on assets (ROA) | 0.0700% | 5,618 |
| Pretax return on assets | 0.0061% | 5,653 |
| Return on Equity (ROE) | 0.4948% | 5,629 |
| Retained earnings to average equity (ytd only) | 0.4948% | 5,131 |
| Net charge-offs to loans | 0.5310% | 451 |
| Credit loss provision to net charge-offs | 92.0393% | 2,763 |
| Earnings coverage of net charge-offs (x) | 0.7961% | 4,075 |
| Efficiency ratio | 90.8349% | 509 |
| Assets per employee ($millions) | 5.3710% | 1,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8739% | 4,885 |
| Loan loss allowance to noncurrent loans | 50.9655% | 4,656 |
| Noncurrent assets plus other real estate owned to assets | 1.4758% | 1,145 |
| Noncurrent loans to loans | 1.7146% | 1,127 |
| Net loans and leases to total assets | 69.3656% | 2,570 |
| Net loans and leases to deposits | 90.7847% | 1,597 |
| Net loans and leases to core deposits | 93.5115% | 2,157 |
| Total domestic deposits to total assets | 76.4067% | 5,194 |
| Equity capital to assets | 14.0664% | 867 |
| Core capital (leverage) ratio | 13.9305% | 835 |
| Tier 1 risk-based capital ratio | 20.8658% | 1,234 |
| Total risk-based capital ratio | 21.7715% | 1,256 |
| Memoranda: | ||
| Average total assets | $244,406,800 | 2,552 |
| Average earning assets | $219,929,200 | 2,603 |
| Average equity | $34,560,400 | 2,106 |
| Average total loans | $172,682,000 | 2,391 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0392% | 3,077 |
| Cost of funding earning assets | 0.7478% | 641 |
| Net interest margin | 3.2914% | 4,213 |
| Noninterest income to average assets | 0.2981% | 4,632 |
| Noninterest expense to average assets | 2.8653% | 2,764 |
| Loan and lease loss provision to assets | 0.1942% | 1,112 |
| Net operating income to assets | 0.1777% | 5,503 |
| Return on assets (ROA) | 0.2383% | 5,476 |
| Pretax return on assets | 0.2726% | 5,487 |
| Return on Equity (ROE) | 1.6829% | 5,527 |
| Retained earnings to average equity (ytd only) | 1.6829% | 4,835 |
| Net charge-offs to loans | 0.2205% | 1,064 |
| Credit loss provision to net charge-offs | 124.3902% | 2,035 |
| Earnings coverage of net charge-offs (x) | 2.5435% | 3,550 |
| Efficiency ratio | 87.8272% | 683 |
| Assets per employee ($millions) | 5.8224% | 1,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9429% | 4,695 |
| Loan loss allowance to noncurrent loans | 50.8948% | 4,712 |
| Noncurrent assets plus other real estate owned to assets | 1.6079% | 1,088 |
| Noncurrent loans to loans | 1.8527% | 1,091 |
| Net loans and leases to total assets | 69.6380% | 2,544 |
| Net loans and leases to deposits | 91.4766% | 1,568 |
| Net loans and leases to core deposits | 94.1948% | 2,176 |
| Total domestic deposits to total assets | 76.1265% | 5,224 |
| Equity capital to assets | 14.2489% | 950 |
| Core capital (leverage) ratio | 13.9304% | 872 |
| Tier 1 risk-based capital ratio | 21.0001% | 1,273 |
| Total risk-based capital ratio | 21.9921% | 1,288 |
| Memoranda: | ||
| Average total assets | $245,084,500 | 2,559 |
| Average earning assets | $220,729,000 | 2,603 |
| Average equity | $34,701,000 | 2,101 |
| Average total loans | $173,569,500 | 2,382 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0664% | 3,004 |
| Cost of funding earning assets | 0.7361% | 678 |
| Net interest margin | 3.3304% | 4,117 |
| Noninterest income to average assets | 0.2772% | 4,796 |
| Noninterest expense to average assets | 2.7994% | 3,033 |
| Loan and lease loss provision to assets | 0.0269% | 3,590 |
| Net operating income to assets | 0.3686% | 5,125 |
| Return on assets (ROA) | 0.3718% | 5,208 |
| Pretax return on assets | 0.4656% | 5,212 |
| Return on Equity (ROE) | 2.6318% | 5,355 |
| Retained earnings to average equity (ytd only) | 2.6318% | 4,223 |
| Net charge-offs to loans | 0.0425% | 2,614 |
| Credit loss provision to net charge-offs | 89.1892% | 2,252 |
| Earnings coverage of net charge-offs (x) | 16.1892% | 1,942 |
| Efficiency ratio | 85.1438% | 956 |
| Assets per employee ($millions) | 6.3725% | 1,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8925% | 4,979 |
| Loan loss allowance to noncurrent loans | 49.7428% | 4,815 |
| Noncurrent assets plus other real estate owned to assets | 1.5194% | 1,253 |
| Noncurrent loans to loans | 1.7943% | 1,151 |
| Net loans and leases to total assets | 69.1209% | 2,613 |
| Net loans and leases to deposits | 92.4664% | 1,453 |
| Net loans and leases to core deposits | 95.4255% | 2,030 |
| Total domestic deposits to total assets | 74.7524% | 5,441 |
| Equity capital to assets | 14.1051% | 988 |
| Core capital (leverage) ratio | 14.0464% | 811 |
| Tier 1 risk-based capital ratio | 20.2740% | 1,394 |
| Total risk-based capital ratio | 21.1876% | 1,429 |
| Memoranda: | ||
| Average total assets | $245,266,330 | 2,569 |
| Average earning assets | $221,718,000 | 2,597 |
| Average equity | $34,653,330 | 2,108 |
| Average total loans | $174,121,670 | 2,372 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0861% | 2,899 |
| Cost of funding earning assets | 0.7274% | 705 |
| Net interest margin | 3.3587% | 4,011 |
| Noninterest income to average assets | 0.2718% | 4,789 |
| Noninterest expense to average assets | 2.8214% | 2,990 |
| Loan and lease loss provision to assets | 0.0180% | 3,456 |
| Net operating income to assets | 0.4172% | 4,938 |
| Return on assets (ROA) | 0.4241% | 5,000 |
| Pretax return on assets | 0.5027% | 5,083 |
| Return on Equity (ROE) | 2.9520% | 5,257 |
| Retained earnings to average equity (ytd only) | 2.9520% | 4,037 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6267% | 1,097 |
| Assets per employee ($millions) | 6.6211% | 1,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8944% | 5,073 |
| Loan loss allowance to noncurrent loans | 46.0903% | 4,920 |
| Noncurrent assets plus other real estate owned to assets | 1.3834% | 1,509 |
| Noncurrent loans to loans | 1.9406% | 1,114 |
| Net loans and leases to total assets | 70.6490% | 2,245 |
| Net loans and leases to deposits | 93.7858% | 1,166 |
| Net loans and leases to core deposits | 96.8046% | 1,720 |
| Total domestic deposits to total assets | 75.3302% | 5,484 |
| Equity capital to assets | 14.4359% | 847 |
| Core capital (leverage) ratio | 14.2201% | 757 |
| Tier 1 risk-based capital ratio | 20.7676% | 1,350 |
| Total risk-based capital ratio | 21.7004% | 1,387 |
| Memoranda: | ||
| Average total assets | $244,278,000 | 2,591 |
| Average earning assets | $222,706,000 | 2,600 |
| Average equity | $35,094,500 | 2,079 |
| Average total loans | $174,517,000 | 2,364 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0937% | 2,945 |
| Cost of funding earning assets | 0.5796% | 1,495 |
| Net interest margin | 3.5141% | 3,470 |
| Noninterest income to average assets | 0.2810% | 4,874 |
| Noninterest expense to average assets | 2.7871% | 3,293 |
| Loan and lease loss provision to assets | 0.1494% | 1,575 |
| Net operating income to assets | 0.5616% | 4,460 |
| Return on assets (ROA) | 0.5677% | 4,521 |
| Pretax return on assets | 0.5789% | 4,905 |
| Return on Equity (ROE) | 3.9768% | 4,956 |
| Retained earnings to average equity (ytd only) | 3.9768% | 3,203 |
| Net charge-offs to loans | -0.0138% | 5,184 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4229% | 1,759 |
| Assets per employee ($millions) | 6.5831% | 1,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8894% | 5,122 |
| Loan loss allowance to noncurrent loans | 39.5966% | 5,120 |
| Noncurrent assets plus other real estate owned to assets | 1.6081% | 1,226 |
| Noncurrent loans to loans | 2.2460% | 870 |
| Net loans and leases to total assets | 70.9614% | 2,205 |
| Net loans and leases to deposits | 93.8116% | 1,214 |
| Net loans and leases to core deposits | 96.7566% | 1,770 |
| Total domestic deposits to total assets | 75.6425% | 5,488 |
| Equity capital to assets | 14.2970% | 836 |
| Core capital (leverage) ratio | 14.2651% | 765 |
| Tier 1 risk-based capital ratio | 20.9071% | 1,317 |
| Total risk-based capital ratio | 21.8459% | 1,338 |
| Memoranda: | ||
| Average total assets | $240,966,400 | 2,572 |
| Average earning assets | $221,363,800 | 2,575 |
| Average equity | $34,399,400 | 2,071 |
| Average total loans | $173,296,200 | 2,311 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1152% | 2,878 |
| Cost of funding earning assets | 0.5473% | 1,822 |
| Net interest margin | 3.5679% | 3,278 |
| Noninterest income to average assets | 0.2935% | 4,848 |
| Noninterest expense to average assets | 2.6542% | 3,706 |
| Loan and lease loss provision to assets | 0.1049% | 2,113 |
| Net operating income to assets | 0.7299% | 3,765 |
| Return on assets (ROA) | 0.7324% | 3,862 |
| Pretax return on assets | 0.8211% | 4,272 |
| Return on Equity (ROE) | 5.1321% | 4,564 |
| Retained earnings to average equity (ytd only) | 5.1321% | 2,816 |
| Net charge-offs to loans | -0.0763% | 5,688 |
| Credit loss provision to net charge-offs | -190.9091% | 5,164 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1935% | 2,522 |
| Assets per employee ($millions) | 6.6730% | 990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8398% | 5,405 |
| Loan loss allowance to noncurrent loans | 37.8315% | 5,266 |
| Noncurrent assets plus other real estate owned to assets | 1.6010% | 1,390 |
| Noncurrent loans to loans | 2.2200% | 985 |
| Net loans and leases to total assets | 71.5121% | 2,139 |
| Net loans and leases to deposits | 91.8065% | 1,431 |
| Net loans and leases to core deposits | 94.9127% | 1,990 |
| Total domestic deposits to total assets | 77.8943% | 5,203 |
| Equity capital to assets | 14.6090% | 835 |
| Core capital (leverage) ratio | 14.2877% | 791 |
| Tier 1 risk-based capital ratio | 21.9664% | 1,199 |
| Total risk-based capital ratio | 22.8931% | 1,219 |
| Memoranda: | ||
| Average total assets | $240,314,000 | 2,592 |
| Average earning assets | $221,190,000 | 2,595 |
| Average equity | $34,293,250 | 2,088 |
| Average total loans | $173,021,250 | 2,332 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0715% | 3,001 |
| Cost of funding earning assets | 0.5139% | 2,125 |
| Net interest margin | 3.5576% | 3,256 |
| Noninterest income to average assets | 0.2979% | 4,828 |
| Noninterest expense to average assets | 2.6054% | 3,887 |
| Loan and lease loss provision to assets | 0.1032% | 2,109 |
| Net operating income to assets | 0.7952% | 3,413 |
| Return on assets (ROA) | 0.7989% | 3,483 |
| Pretax return on assets | 0.8946% | 3,977 |
| Return on Equity (ROE) | 5.6427% | 4,301 |
| Retained earnings to average equity (ytd only) | 5.6427% | 2,437 |
| Net charge-offs to loans | -0.1156% | 5,837 |
| Credit loss provision to net charge-offs | -124.0000% | 4,931 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3931% | 2,952 |
| Assets per employee ($millions) | 6.6988% | 963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7893% | 5,627 |
| Loan loss allowance to noncurrent loans | 33.3174% | 5,428 |
| Noncurrent assets plus other real estate owned to assets | 1.7312% | 1,364 |
| Noncurrent loans to loans | 2.3691% | 979 |
| Net loans and leases to total assets | 72.4979% | 1,897 |
| Net loans and leases to deposits | 91.2990% | 1,450 |
| Net loans and leases to core deposits | 91.7393% | 2,180 |
| Total domestic deposits to total assets | 79.4071% | 5,004 |
| Equity capital to assets | 14.2592% | 890 |
| Core capital (leverage) ratio | 14.2734% | 770 |
| Tier 1 risk-based capital ratio | 20.7339% | 1,419 |
| Total risk-based capital ratio | 21.5790% | 1,453 |
| Memoranda: | ||
| Average total assets | $240,342,670 | 2,608 |
| Average earning assets | $223,014,330 | 2,599 |
| Average equity | $34,026,000 | 2,113 |
| Average total loans | $172,946,000 | 2,337 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0903% | 2,876 |
| Cost of funding earning assets | 0.5031% | 2,257 |
| Net interest margin | 3.5872% | 3,057 |
| Noninterest income to average assets | 0.2734% | 4,990 |
| Noninterest expense to average assets | 2.5757% | 4,014 |
| Loan and lease loss provision to assets | 0.2051% | 886 |
| Net operating income to assets | 0.7652% | 3,451 |
| Return on assets (ROA) | 0.7652% | 3,586 |
| Pretax return on assets | 0.8569% | 4,038 |
| Return on Equity (ROE) | 5.4247% | 4,320 |
| Retained earnings to average equity (ytd only) | 5.4247% | 2,821 |
| Net charge-offs to loans | 0.0467% | 2,326 |
| Credit loss provision to net charge-offs | 615.0000% | 463 |
| Earnings coverage of net charge-offs (x) | 31.8500% | 1,115 |
| Efficiency ratio | 70.8066% | 3,353 |
| Assets per employee ($millions) | 6.8026% | 940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7415% | 5,830 |
| Loan loss allowance to noncurrent loans | 30.7506% | 5,530 |
| Noncurrent assets plus other real estate owned to assets | 1.7346% | 1,435 |
| Noncurrent loans to loans | 2.4113% | 1,019 |
| Net loans and leases to total assets | 71.4038% | 1,916 |
| Net loans and leases to deposits | 88.5015% | 1,561 |
| Net loans and leases to core deposits | 93.6832% | 1,795 |
| Total domestic deposits to total assets | 80.6809% | 4,893 |
| Equity capital to assets | 14.3428% | 876 |
| Core capital (leverage) ratio | 13.9974% | 825 |
| Tier 1 risk-based capital ratio | 22.7150% | 1,145 |
| Total risk-based capital ratio | 23.5729% | 1,178 |
| Memoranda: | ||
| Average total assets | $239,936,000 | 2,633 |
| Average earning assets | $225,022,500 | 2,596 |
| Average equity | $33,845,500 | 2,133 |
| Average total loans | $171,307,000 | 2,358 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0571% | 3,494 |
| Cost of funding earning assets | 0.4943% | 2,722 |
| Net interest margin | 3.5628% | 3,547 |
| Noninterest income to average assets | 0.0653% | 6,258 |
| Noninterest expense to average assets | 3.1661% | 2,306 |
| Loan and lease loss provision to assets | 0.2649% | 835 |
| Net operating income to assets | -0.0425% | 6,117 |
| Return on assets (ROA) | -0.1510% | 6,182 |
| Pretax return on assets | -0.1808% | 6,178 |
| Return on Equity (ROE) | -1.1704% | 6,176 |
| Retained earnings to average equity (ytd only) | -1.1704% | 5,941 |
| Net charge-offs to loans | 0.2824% | 1,537 |
| Credit loss provision to net charge-offs | 134.7938% | 1,749 |
| Earnings coverage of net charge-offs (x) | 1.0928% | 4,495 |
| Efficiency ratio | 93.6470% | 611 |
| Assets per employee ($millions) | 6.9080% | 886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6811% | 6,027 |
| Loan loss allowance to noncurrent loans | 34.3034% | 5,535 |
| Noncurrent assets plus other real estate owned to assets | 1.4071% | 1,974 |
| Noncurrent loans to loans | 1.9855% | 1,401 |
| Net loans and leases to total assets | 70.3823% | 2,174 |
| Net loans and leases to deposits | 87.9282% | 1,743 |
| Net loans and leases to core deposits | 91.0590% | 2,186 |
| Total domestic deposits to total assets | 80.0452% | 5,005 |
| Equity capital to assets | 13.8729% | 1,004 |
| Core capital (leverage) ratio | 13.6879% | 903 |
| Tier 1 risk-based capital ratio | 22.6122% | 1,133 |
| Total risk-based capital ratio | 23.4101% | 1,178 |
| Memoranda: | ||
| Average total assets | $197,402,000 | 3,028 |
| Average earning assets | $183,702,800 | 2,992 |
| Average equity | $25,462,000 | 2,618 |
| Average total loans | $137,371,600 | 2,746 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9174% | 4,106 |
| Cost of funding earning assets | 0.4757% | 2,995 |
| Net interest margin | 3.4417% | 4,056 |
| Noninterest income to average assets | 0.1524% | 6,005 |
| Noninterest expense to average assets | 2.5169% | 4,472 |
| Loan and lease loss provision to assets | 0.1231% | 2,027 |
| Net operating income to assets | 0.6104% | 4,399 |
| Return on assets (ROA) | 0.4516% | 5,144 |
| Pretax return on assets | 0.5224% | 5,257 |
| Return on Equity (ROE) | 3.5889% | 5,338 |
| Retained earnings to average equity (ytd only) | 3.5889% | 4,095 |
| Net charge-offs to loans | 0.2100% | 1,792 |
| Credit loss provision to net charge-offs | 84.7291% | 2,509 |
| Earnings coverage of net charge-offs (x) | 5.7143% | 3,207 |
| Efficiency ratio | 75.1978% | 2,633 |
| Assets per employee ($millions) | 7.2947% | 704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5922% | 6,234 |
| Loan loss allowance to noncurrent loans | 59.9760% | 4,801 |
| Noncurrent assets plus other real estate owned to assets | 0.6729% | 3,818 |
| Noncurrent loans to loans | 0.9875% | 3,102 |
| Net loans and leases to total assets | 67.7429% | 2,576 |
| Net loans and leases to deposits | 84.5147% | 2,086 |
| Net loans and leases to core deposits | 87.1782% | 2,517 |
| Total domestic deposits to total assets | 80.1552% | 5,064 |
| Equity capital to assets | 13.7711% | 1,082 |
| Core capital (leverage) ratio | 13.2707% | 1,077 |
| Tier 1 risk-based capital ratio | 23.5279% | 1,044 |
| Total risk-based capital ratio | 24.2476% | 1,090 |
| Memoranda: | ||
| Average total assets | $186,307,250 | 3,178 |
| Average earning assets | $172,935,500 | 3,152 |
| Average equity | $23,442,000 | 2,812 |
| Average total loans | $128,880,000 | 2,896 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4896% | 5,427 |
| Cost of funding earning assets | 0.4122% | 3,745 |
| Net interest margin | 3.0774% | 5,325 |
| Noninterest income to average assets | 0.1520% | 6,045 |
| Noninterest expense to average assets | 2.5124% | 4,546 |
| Loan and lease loss provision to assets | 0.0121% | 4,009 |
| Net operating income to assets | 0.3979% | 5,231 |
| Return on assets (ROA) | 0.1364% | 6,017 |
| Pretax return on assets | 0.1629% | 6,003 |
| Return on Equity (ROE) | 1.1373% | 6,031 |
| Retained earnings to average equity (ytd only) | 1.1373% | 5,300 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7827% | 1,542 |
| Assets per employee ($millions) | 8.5676% | 388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6250% | 6,278 |
| Loan loss allowance to noncurrent loans | 50.2408% | 5,162 |
| Noncurrent assets plus other real estate owned to assets | 1.2680% | 2,576 |
| Noncurrent loans to loans | 1.2440% | 2,739 |
| Net loans and leases to total assets | 64.5218% | 2,996 |
| Net loans and leases to deposits | 80.5560% | 2,444 |
| Net loans and leases to core deposits | 83.0050% | 2,855 |
| Total domestic deposits to total assets | 80.0956% | 5,212 |
| Equity capital to assets | 13.0869% | 1,330 |
| Core capital (leverage) ratio | 12.5986% | 1,347 |
| Tier 1 risk-based capital ratio | 23.1490% | 1,092 |
| Total risk-based capital ratio | 23.8988% | 1,144 |
| Memoranda: | ||
| Average total assets | $165,736,330 | 3,446 |
| Average earning assets | $153,311,670 | 3,425 |
| Average equity | $19,871,000 | 3,183 |
| Average total loans | $115,501,000 | 3,144 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5403% | 5,328 |
| Cost of funding earning assets | 0.3798% | 4,200 |
| Net interest margin | 3.1604% | 5,053 |
| Noninterest income to average assets | 0.2465% | 5,390 |
| Noninterest expense to average assets | 3.0644% | 2,640 |
| Loan and lease loss provision to assets | 0.0167% | 3,615 |
| Net operating income to assets | 0.0933% | 6,045 |
| Return on assets (ROA) | 0.0933% | 6,074 |
| Pretax return on assets | 0.1033% | 6,075 |
| Return on Equity (ROE) | 0.8623% | 6,066 |
| Retained earnings to average equity (ytd only) | 0.8623% | 5,247 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2343% | 626 |
| Assets per employee ($millions) | 5.7249% | 1,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1521% | 4,861 |
| Loan loss allowance to noncurrent loans | 51.8223% | 5,121 |
| Noncurrent assets plus other real estate owned to assets | 2.0096% | 1,699 |
| Noncurrent loans to loans | 2.2232% | 1,627 |
| Net loans and leases to total assets | 74.0757% | 1,253 |
| Net loans and leases to deposits | 92.6711% | 903 |
| Net loans and leases to core deposits | 94.8817% | 1,478 |
| Total domestic deposits to total assets | 79.9340% | 5,495 |
| Equity capital to assets | 10.8149% | 2,921 |
| Core capital (leverage) ratio | 10.8149% | 2,580 |
| Tier 1 risk-based capital ratio | 16.2255% | 3,046 |
| Total risk-based capital ratio | 17.4759% | 3,006 |
| Memoranda: | ||
| Average total assets | $120,090,500 | 4,275 |
| Average earning assets | $111,630,500 | 4,229 |
| Average equity | $12,988,000 | 4,240 |
| Average total loans | $89,810,500 | 3,699 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6977% | 5,143 |
| Cost of funding earning assets | 0.3990% | 4,665 |
| Net interest margin | 3.2987% | 4,668 |
| Noninterest income to average assets | 0.2987% | 5,214 |
| Noninterest expense to average assets | 2.8586% | 3,496 |
| Loan and lease loss provision to assets | 0.1459% | 2,471 |
| Net operating income to assets | 0.2449% | 5,705 |
| Return on assets (ROA) | 0.2449% | 5,772 |
| Pretax return on assets | 0.3490% | 5,607 |
| Return on Equity (ROE) | 2.2388% | 5,754 |
| Retained earnings to average equity (ytd only) | 2.2388% | 4,655 |
| Net charge-offs to loans | 0.0092% | 5,268 |
| Credit loss provision to net charge-offs | 2,137.5000% | 113 |
| Earnings coverage of net charge-offs (x) | 72.5000% | 587 |
| Efficiency ratio | 85.2417% | 1,497 |
| Assets per employee ($millions) | 5.7123% | 1,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1538% | 4,892 |
| Loan loss allowance to noncurrent loans | 44.3919% | 5,480 |
| Noncurrent assets plus other real estate owned to assets | 2.2841% | 1,547 |
| Noncurrent loans to loans | 2.5992% | 1,441 |
| Net loans and leases to total assets | 73.7708% | 1,387 |
| Net loans and leases to deposits | 93.7546% | 897 |
| Net loans and leases to core deposits | 95.6537% | 1,477 |
| Total domestic deposits to total assets | 78.6850% | 5,713 |
| Equity capital to assets | 10.8155% | 2,800 |
| Core capital (leverage) ratio | 10.8155% | 2,560 |
| Tier 1 risk-based capital ratio | 16.1744% | 3,015 |
| Total risk-based capital ratio | 17.4249% | 2,970 |
| Memoranda: | ||
| Average total assets | $117,188,600 | 4,336 |
| Average earning assets | $108,526,000 | 4,298 |
| Average equity | $12,819,400 | 4,296 |
| Average total loans | $87,245,400 | 3,754 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7217% | 5,105 |
| Cost of funding earning assets | 0.4083% | 4,751 |
| Net interest margin | 3.3134% | 4,591 |
| Noninterest income to average assets | 0.3365% | 5,003 |
| Noninterest expense to average assets | 2.9517% | 3,136 |
| Loan and lease loss provision to assets | 0.1785% | 2,039 |
| Net operating income to assets | 0.1980% | 5,918 |
| Return on assets (ROA) | 0.1980% | 5,997 |
| Pretax return on assets | 0.2712% | 5,934 |
| Return on Equity (ROE) | 1.8047% | 5,999 |
| Retained earnings to average equity (ytd only) | 1.8047% | 5,234 |
| Net charge-offs to loans | 0.0123% | 4,894 |
| Credit loss provision to net charge-offs | 1,950.0000% | 168 |
| Earnings coverage of net charge-offs (x) | 49.1087% | 875 |
| Efficiency ratio | 86.7766% | 1,289 |
| Assets per employee ($millions) | 5.7898% | 1,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1284% | 5,212 |
| Loan loss allowance to noncurrent loans | 82.8316% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 1.4897% | 2,700 |
| Noncurrent loans to loans | 1.3623% | 3,135 |
| Net loans and leases to total assets | 77.0320% | 867 |
| Net loans and leases to deposits | 97.3555% | 601 |
| Net loans and leases to core deposits | 98.5657% | 1,199 |
| Total domestic deposits to total assets | 79.1245% | 5,721 |
| Equity capital to assets | 11.1057% | 2,659 |
| Core capital (leverage) ratio | 11.1057% | 2,377 |
| Tier 1 risk-based capital ratio | 16.1337% | 3,110 |
| Total risk-based capital ratio | 17.3908% | 3,071 |
| Memoranda: | ||
| Average total assets | $116,496,250 | 4,394 |
| Average earning assets | $107,760,500 | 4,361 |
| Average equity | $12,780,750 | 4,350 |
| Average total loans | $86,675,000 | 3,796 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6739% | 5,224 |
| Cost of funding earning assets | 0.4263% | 4,692 |
| Net interest margin | 3.2475% | 4,779 |
| Noninterest income to average assets | 0.3889% | 4,603 |
| Noninterest expense to average assets | 3.0241% | 2,924 |
| Loan and lease loss provision to assets | 0.0514% | 3,963 |
| Net operating income to assets | 0.2245% | 5,831 |
| Return on assets (ROA) | 0.2245% | 5,958 |
| Pretax return on assets | 0.3153% | 5,833 |
| Return on Equity (ROE) | 2.0542% | 5,940 |
| Retained earnings to average equity (ytd only) | 2.0542% | 4,973 |
| Net charge-offs to loans | 0.0187% | 4,468 |
| Credit loss provision to net charge-offs | 375.0000% | 689 |
| Earnings coverage of net charge-offs (x) | 26.7500% | 1,234 |
| Efficiency ratio | 89.1865% | 1,116 |
| Assets per employee ($millions) | 6.1685% | 1,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0183% | 5,744 |
| Loan loss allowance to noncurrent loans | 1,048.2353% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.7594% | 4,316 |
| Noncurrent loans to loans | 0.0971% | 6,106 |
| Net loans and leases to total assets | 73.8938% | 1,265 |
| Net loans and leases to deposits | 93.0446% | 879 |
| Net loans and leases to core deposits | 93.6736% | 1,550 |
| Total domestic deposits to total assets | 79.4176% | 5,732 |
| Equity capital to assets | 10.9367% | 2,808 |
| Core capital (leverage) ratio | 10.9367% | 2,421 |
| Tier 1 risk-based capital ratio | 16.3253% | 3,029 |
| Total risk-based capital ratio | 17.4601% | 3,029 |
| Memoranda: | ||
| Average total assets | $116,729,670 | 4,424 |
| Average earning assets | $107,897,000 | 4,386 |
| Average equity | $12,754,330 | 4,382 |
| Average total loans | $85,494,000 | 3,838 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7014% | 5,158 |
| Cost of funding earning assets | 0.4241% | 4,876 |
| Net interest margin | 3.2774% | 4,602 |
| Noninterest income to average assets | 0.4532% | 4,102 |
| Noninterest expense to average assets | 3.0800% | 2,734 |
| Loan and lease loss provision to assets | 0.0515% | 3,759 |
| Net operating income to assets | 0.2438% | 5,747 |
| Return on assets (ROA) | 0.2438% | 5,868 |
| Pretax return on assets | 0.3468% | 5,732 |
| Return on Equity (ROE) | 2.2323% | 5,865 |
| Retained earnings to average equity (ytd only) | 2.2323% | 4,894 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5489% | 1,269 |
| Assets per employee ($millions) | 5.8670% | 1,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0471% | 5,803 |
| Loan loss allowance to noncurrent loans | 121.7631% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 1.3678% | 3,223 |
| Noncurrent loans to loans | 0.8599% | 4,400 |
| Net loans and leases to total assets | 71.1954% | 1,492 |
| Net loans and leases to deposits | 87.6619% | 1,180 |
| Net loans and leases to core deposits | 88.4733% | 1,855 |
| Total domestic deposits to total assets | 81.2160% | 5,442 |
| Equity capital to assets | 10.8728% | 3,109 |
| Core capital (leverage) ratio | 10.8728% | 2,375 |
| Tier 1 risk-based capital ratio | 17.4540% | 2,579 |
| Total risk-based capital ratio | 18.6634% | 2,557 |
| Memoranda: | ||
| Average total assets | $116,493,500 | 4,470 |
| Average earning assets | $107,525,500 | 4,433 |
| Average equity | $12,722,500 | 4,431 |
| Average total loans | $84,493,000 | 3,886 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9730% | 5,391 |
| Cost of funding earning assets | 0.5944% | 4,404 |
| Net interest margin | 3.3786% | 4,964 |
| Noninterest income to average assets | 0.3608% | 4,904 |
| Noninterest expense to average assets | 2.8770% | 3,730 |
| Loan and lease loss provision to assets | 0.1953% | 3,191 |
| Net operating income to assets | 0.2785% | 5,548 |
| Return on assets (ROA) | 0.2844% | 5,732 |
| Pretax return on assets | 0.4143% | 5,533 |
| Return on Equity (ROE) | 2.6767% | 5,681 |
| Retained earnings to average equity (ytd only) | 2.6767% | 4,351 |
| Net charge-offs to loans | 0.3234% | 3,033 |
| Credit loss provision to net charge-offs | 84.8708% | 3,669 |
| Earnings coverage of net charge-offs (x) | 2.6125% | 4,117 |
| Efficiency ratio | 82.7191% | 1,785 |
| Assets per employee ($millions) | 5.2567% | 1,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0276% | 5,867 |
| Loan loss allowance to noncurrent loans | 174.4980% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 1.2996% | 3,479 |
| Noncurrent loans to loans | 0.5889% | 5,060 |
| Net loans and leases to total assets | 72.3687% | 1,437 |
| Net loans and leases to deposits | 89.3450% | 1,132 |
| Net loans and leases to core deposits | 90.1971% | 1,811 |
| Total domestic deposits to total assets | 80.9992% | 5,408 |
| Equity capital to assets | 10.9704% | 2,988 |
| Core capital (leverage) ratio | 10.9704% | 2,282 |
| Tier 1 risk-based capital ratio | 16.6675% | 2,808 |
| Total risk-based capital ratio | 17.8092% | 2,832 |
| Memoranda: | ||
| Average total assets | $117,794,400 | 4,405 |
| Average earning assets | $108,684,200 | 4,376 |
| Average equity | $12,515,600 | 4,458 |
| Average total loans | $83,793,000 | 3,918 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0214% | 5,455 |
| Cost of funding earning assets | 0.6083% | 4,561 |
| Net interest margin | 3.4130% | 4,988 |
| Noninterest income to average assets | 0.0913% | 6,648 |
| Noninterest expense to average assets | 2.5758% | 4,823 |
| Loan and lease loss provision to assets | 0.2423% | 2,627 |
| Net operating income to assets | 0.2643% | 5,733 |
| Return on assets (ROA) | 0.2716% | 5,906 |
| Pretax return on assets | 0.4327% | 5,641 |
| Return on Equity (ROE) | 2.5763% | 5,855 |
| Retained earnings to average equity (ytd only) | 2.5763% | 5,020 |
| Net charge-offs to loans | 0.4178% | 2,420 |
| Credit loss provision to net charge-offs | 82.0611% | 3,554 |
| Earnings coverage of net charge-offs (x) | 2.2481% | 4,142 |
| Efficiency ratio | 79.5130% | 2,167 |
| Assets per employee ($millions) | 5.3064% | 1,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0519% | 5,882 |
| Loan loss allowance to noncurrent loans | 224.1558% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 1.3406% | 3,618 |
| Noncurrent loans to loans | 0.4693% | 5,514 |
| Net loans and leases to total assets | 69.5394% | 2,002 |
| Net loans and leases to deposits | 85.0615% | 1,716 |
| Net loans and leases to core deposits | 86.4354% | 2,408 |
| Total domestic deposits to total assets | 81.7519% | 5,101 |
| Equity capital to assets | 10.7871% | 3,520 |
| Core capital (leverage) ratio | 10.7871% | 2,619 |
| Tier 1 risk-based capital ratio | 17.8535% | 2,408 |
| Total risk-based capital ratio | 19.0771% | 2,383 |
| Memoranda: | ||
| Average total assets | $118,331,000 | 4,434 |
| Average earning assets | $109,147,750 | 4,418 |
| Average equity | $12,472,750 | 4,510 |
| Average total loans | $83,600,750 | 3,967 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9714% | 5,726 |
| Cost of funding earning assets | 0.6351% | 4,572 |
| Net interest margin | 3.3363% | 5,321 |
| Noninterest income to average assets | 0.1111% | 6,625 |
| Noninterest expense to average assets | 2.5526% | 4,949 |
| Loan and lease loss provision to assets | 0.3365% | 1,961 |
| Net operating income to assets | 0.1991% | 5,919 |
| Return on assets (ROA) | 0.2103% | 6,071 |
| Pretax return on assets | 0.3147% | 5,935 |
| Return on Equity (ROE) | 2.0108% | 6,038 |
| Retained earnings to average equity (ytd only) | 2.0108% | 5,194 |
| Net charge-offs to loans | 0.6229% | 1,765 |
| Credit loss provision to net charge-offs | 76.3359% | 3,423 |
| Earnings coverage of net charge-offs (x) | 1.4389% | 4,280 |
| Efficiency ratio | 80.0950% | 2,155 |
| Assets per employee ($millions) | 5.3553% | 1,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0060% | 6,133 |
| Loan loss allowance to noncurrent loans | 46.2882% | 5,320 |
| Noncurrent assets plus other real estate owned to assets | 2.6847% | 2,056 |
| Noncurrent loans to loans | 2.1734% | 2,742 |
| Net loans and leases to total assets | 70.8265% | 1,771 |
| Net loans and leases to deposits | 86.3248% | 1,560 |
| Net loans and leases to core deposits | 87.7021% | 2,238 |
| Total domestic deposits to total assets | 82.0466% | 5,108 |
| Equity capital to assets | 10.5902% | 3,577 |
| Core capital (leverage) ratio | 10.5902% | 2,722 |
| Tier 1 risk-based capital ratio | 16.9228% | 2,703 |
| Total risk-based capital ratio | 18.0729% | 2,708 |
| Memoranda: | ||
| Average total assets | $118,861,000 | 4,445 |
| Average earning assets | $109,582,670 | 4,419 |
| Average equity | $12,432,670 | 4,519 |
| Average total loans | $84,119,670 | 3,969 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0287% | 5,675 |
| Cost of funding earning assets | 0.6805% | 4,461 |
| Net interest margin | 3.3482% | 5,309 |
| Noninterest income to average assets | 0.1106% | 6,693 |
| Noninterest expense to average assets | 2.5498% | 4,990 |
| Loan and lease loss provision to assets | 0.0503% | 4,785 |
| Net operating income to assets | 0.3706% | 5,382 |
| Return on assets (ROA) | 0.3920% | 5,475 |
| Pretax return on assets | 0.6433% | 4,958 |
| Return on Equity (ROE) | 3.7710% | 5,395 |
| Retained earnings to average equity (ytd only) | 3.7710% | 4,325 |
| Net charge-offs to loans | 0.8425% | 1,221 |
| Credit loss provision to net charge-offs | 8.4746% | 3,924 |
| Earnings coverage of net charge-offs (x) | 1.1130% | 3,777 |
| Efficiency ratio | 79.4363% | 2,279 |
| Assets per employee ($millions) | 5.4363% | 1,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8958% | 6,545 |
| Loan loss allowance to noncurrent loans | 50.8844% | 5,016 |
| Noncurrent assets plus other real estate owned to assets | 2.6790% | 2,205 |
| Noncurrent loans to loans | 1.7604% | 3,470 |
| Net loans and leases to total assets | 69.1943% | 1,913 |
| Net loans and leases to deposits | 84.0528% | 1,658 |
| Net loans and leases to core deposits | 85.3681% | 2,364 |
| Total domestic deposits to total assets | 82.3224% | 5,187 |
| Equity capital to assets | 10.4258% | 3,586 |
| Core capital (leverage) ratio | 10.4258% | 2,840 |
| Tier 1 risk-based capital ratio | 16.9859% | 2,688 |
| Total risk-based capital ratio | 18.0048% | 2,740 |
| Memoranda: | ||
| Average total assets | $119,383,500 | 4,463 |
| Average earning assets | $110,506,500 | 4,426 |
| Average equity | $12,410,500 | 4,523 |
| Average total loans | $84,033,000 | 4,008 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0474% | 6,368 |
| Cost of funding earning assets | 0.9682% | 3,590 |
| Net interest margin | 3.0792% | 6,387 |
| Noninterest income to average assets | -0.0570% | 7,067 |
| Noninterest expense to average assets | 2.4010% | 5,774 |
| Loan and lease loss provision to assets | 0.2888% | 3,356 |
| Net operating income to assets | 0.0850% | 5,896 |
| Return on assets (ROA) | 0.0850% | 6,014 |
| Pretax return on assets | 0.1131% | 5,946 |
| Return on Equity (ROE) | 0.8599% | 5,992 |
| Retained earnings to average equity (ytd only) | 0.8599% | 5,460 |
| Net charge-offs to loans | 0.3153% | 3,818 |
| Credit loss provision to net charge-offs | 133.8290% | 2,262 |
| Earnings coverage of net charge-offs (x) | 1.8625% | 4,377 |
| Efficiency ratio | 85.6611% | 1,601 |
| Assets per employee ($millions) | 5.1813% | 1,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8597% | 6,626 |
| Loan loss allowance to noncurrent loans | 44.1409% | 5,359 |
| Noncurrent assets plus other real estate owned to assets | 2.8841% | 2,093 |
| Noncurrent loans to loans | 1.9477% | 3,278 |
| Net loans and leases to total assets | 70.3505% | 1,962 |
| Net loans and leases to deposits | 82.0024% | 2,198 |
| Net loans and leases to core deposits | 83.4937% | 2,956 |
| Total domestic deposits to total assets | 85.7908% | 3,432 |
| Equity capital to assets | 10.3651% | 3,691 |
| Core capital (leverage) ratio | 10.3651% | 2,888 |
| Tier 1 risk-based capital ratio | 13.2014% | 4,911 |
| Total risk-based capital ratio | 13.9784% | 5,264 |
| Memoranda: | ||
| Average total assets | $124,656,800 | 4,282 |
| Average earning assets | $115,777,800 | 4,246 |
| Average equity | $12,326,600 | 4,470 |
| Average total loans | $85,322,800 | 3,988 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0330% | 6,536 |
| Cost of funding earning assets | 1.0370% | 3,413 |
| Net interest margin | 2.9960% | 6,590 |
| Noninterest income to average assets | 0.0169% | 7,058 |
| Noninterest expense to average assets | 2.4121% | 5,732 |
| Loan and lease loss provision to assets | 0.2063% | 3,954 |
| Net operating income to assets | 0.1291% | 5,891 |
| Return on assets (ROA) | 0.1291% | 6,009 |
| Pretax return on assets | 0.1830% | 5,926 |
| Return on Equity (ROE) | 1.3203% | 5,993 |
| Retained earnings to average equity (ytd only) | 1.3203% | 5,481 |
| Net charge-offs to loans | -0.0577% | 7,078 |
| Credit loss provision to net charge-offs | -527.0270% | 6,678 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1027% | 1,519 |
| Assets per employee ($millions) | 5.3819% | 1,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0393% | 6,088 |
| Loan loss allowance to noncurrent loans | 299.3103% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 1.7838% | 3,422 |
| Noncurrent loans to loans | 0.3472% | 6,154 |
| Net loans and leases to total assets | 66.7671% | 2,725 |
| Net loans and leases to deposits | 77.5387% | 3,080 |
| Net loans and leases to core deposits | 79.5249% | 3,702 |
| Total domestic deposits to total assets | 86.1081% | 3,165 |
| Equity capital to assets | 9.9916% | 4,353 |
| Core capital (leverage) ratio | 9.9916% | 3,456 |
| Tier 1 risk-based capital ratio | 13.0576% | 5,053 |
| Total risk-based capital ratio | 13.9740% | 5,292 |
| Memoranda: | ||
| Average total assets | $126,028,750 | 4,269 |
| Average earning assets | $117,130,000 | 4,221 |
| Average equity | $12,320,250 | 4,486 |
| Average total loans | $85,512,750 | 4,019 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0203% | 6,633 |
| Cost of funding earning assets | 1.1353% | 3,001 |
| Net interest margin | 2.8849% | 6,817 |
| Noninterest income to average assets | 0.0773% | 6,938 |
| Noninterest expense to average assets | 2.4200% | 5,782 |
| Loan and lease loss provision to assets | 0.0473% | 5,718 |
| Net operating income to assets | 0.1956% | 5,755 |
| Return on assets (ROA) | 0.1956% | 5,871 |
| Pretax return on assets | 0.2919% | 5,690 |
| Return on Equity (ROE) | 2.0156% | 5,782 |
| Retained earnings to average equity (ytd only) | 2.0156% | 4,972 |
| Net charge-offs to loans | -0.0673% | 7,089 |
| Credit loss provision to net charge-offs | -103.4483% | 6,310 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7073% | 1,448 |
| Assets per employee ($millions) | 5.5522% | 1,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8242% | 6,825 |
| Loan loss allowance to noncurrent loans | 28.9704% | 6,320 |
| Noncurrent assets plus other real estate owned to assets | 3.2819% | 2,034 |
| Noncurrent loans to loans | 2.8451% | 2,567 |
| Net loans and leases to total assets | 65.4850% | 3,135 |
| Net loans and leases to deposits | 75.5584% | 3,550 |
| Net loans and leases to core deposits | 77.4198% | 4,133 |
| Total domestic deposits to total assets | 86.6681% | 2,948 |
| Equity capital to assets | 9.6867% | 4,555 |
| Core capital (leverage) ratio | 9.6867% | 3,680 |
| Tier 1 risk-based capital ratio | 13.8894% | 4,243 |
| Total risk-based capital ratio | 14.6697% | 4,580 |
| Memoranda: | ||
| Average total assets | $126,777,000 | 4,290 |
| Average earning assets | $117,853,000 | 4,238 |
| Average equity | $12,304,330 | 4,474 |
| Average total loans | $86,178,670 | 4,045 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1421% | 6,412 |
| Cost of funding earning assets | 1.1728% | 2,996 |
| Net interest margin | 2.9694% | 6,637 |
| Noninterest income to average assets | -0.0475% | 7,352 |
| Noninterest expense to average assets | 2.4383% | 5,771 |
| Loan and lease loss provision to assets | 0.0475% | 5,409 |
| Net operating income to assets | 0.1583% | 5,917 |
| Return on assets (ROA) | 0.1583% | 5,970 |
| Pretax return on assets | 0.2248% | 5,886 |
| Return on Equity (ROE) | 1.6298% | 5,934 |
| Retained earnings to average equity (ytd only) | 1.6298% | 5,138 |
| Net charge-offs to loans | -0.0230% | 6,618 |
| Credit loss provision to net charge-offs | -300.0000% | 5,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9533% | 1,333 |
| Assets per employee ($millions) | 5.4370% | 1,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7587% | 6,990 |
| Loan loss allowance to noncurrent loans | 285.2174% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 1.6473% | 3,779 |
| Noncurrent loans to loans | 0.2660% | 6,454 |
| Net loans and leases to total assets | 68.6211% | 2,421 |
| Net loans and leases to deposits | 79.2911% | 2,843 |
| Net loans and leases to core deposits | 81.1208% | 3,588 |
| Total domestic deposits to total assets | 86.5432% | 3,210 |
| Equity capital to assets | 9.8335% | 3,986 |
| Core capital (leverage) ratio | 9.8335% | 3,352 |
| Tier 1 risk-based capital ratio | 13.4408% | 4,466 |
| Total risk-based capital ratio | 14.1578% | 4,879 |
| Memoranda: | ||
| Average total assets | $126,315,000 | 4,329 |
| Average earning assets | $117,330,500 | 4,273 |
| Average equity | $12,271,500 | 4,492 |
| Average total loans | $87,108,000 | 4,044 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3663% | 6,679 |
| Cost of funding earning assets | 1.5150% | 2,556 |
| Net interest margin | 2.8513% | 6,971 |
| Noninterest income to average assets | -0.0821% | 7,378 |
| Noninterest expense to average assets | 2.5292% | 5,687 |
| Loan and lease loss provision to assets | 0.7805% | 2,096 |
| Net operating income to assets | -0.4032% | 6,313 |
| Return on assets (ROA) | -0.4032% | 6,343 |
| Pretax return on assets | -0.7463% | 6,485 |
| Return on Equity (ROE) | -3.9122% | 6,350 |
| Retained earnings to average equity (ytd only) | -3.9122% | 6,195 |
| Net charge-offs to loans | 1.0058% | 2,183 |
| Credit loss provision to net charge-offs | 109.2150% | 4,039 |
| Earnings coverage of net charge-offs (x) | 0.0478% | 6,068 |
| Efficiency ratio | 98.6679% | 842 |
| Assets per employee ($millions) | 5.5469% | 1,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7248% | 7,102 |
| Loan loss allowance to noncurrent loans | 395.0311% | 789 |
| Noncurrent assets plus other real estate owned to assets | 1.7511% | 3,677 |
| Noncurrent loans to loans | 0.1835% | 6,703 |
| Net loans and leases to total assets | 68.2814% | 2,914 |
| Net loans and leases to deposits | 79.2872% | 3,293 |
| Net loans and leases to core deposits | 81.7347% | 3,942 |
| Total domestic deposits to total assets | 86.1191% | 3,294 |
| Equity capital to assets | 9.5988% | 4,272 |
| Core capital (leverage) ratio | 9.5988% | 3,558 |
| Tier 1 risk-based capital ratio | 13.3807% | 4,306 |
| Total risk-based capital ratio | 14.0756% | 4,718 |
| Memoranda: | ||
| Average total assets | $123,005,200 | 4,426 |
| Average earning assets | $114,123,200 | 4,371 |
| Average equity | $12,678,200 | 4,435 |
| Average total loans | $87,393,000 | 4,118 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4039% | 6,812 |
| Cost of funding earning assets | 1.5977% | 2,400 |
| Net interest margin | 2.8062% | 7,125 |
| Noninterest income to average assets | 0.1072% | 7,016 |
| Noninterest expense to average assets | 2.5339% | 5,589 |
| Loan and lease loss provision to assets | 0.2133% | 4,926 |
| Net operating income to assets | 0.0164% | 5,967 |
| Return on assets (ROA) | 0.0164% | 6,088 |
| Pretax return on assets | -0.0361% | 6,145 |
| Return on Equity (ROE) | 0.1564% | 6,081 |
| Retained earnings to average equity (ytd only) | 0.1564% | 5,712 |
| Net charge-offs to loans | 1.0736% | 1,888 |
| Credit loss provision to net charge-offs | 27.7383% | 6,179 |
| Earnings coverage of net charge-offs (x) | 0.2304% | 5,784 |
| Efficiency ratio | 93.4625% | 1,030 |
| Assets per employee ($millions) | 5.5430% | 1,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0544% | 7,677 |
| Loan loss allowance to noncurrent loans | 4.7571% | 7,237 |
| Noncurrent assets plus other real estate owned to assets | 1.9712% | 3,508 |
| Noncurrent loans to loans | 1.1441% | 4,947 |
| Net loans and leases to total assets | 67.6974% | 3,291 |
| Net loans and leases to deposits | 79.2212% | 3,596 |
| Net loans and leases to core deposits | 81.4930% | 4,317 |
| Total domestic deposits to total assets | 85.4535% | 3,377 |
| Equity capital to assets | 10.0064% | 4,150 |
| Core capital (leverage) ratio | 10.0064% | 3,249 |
| Tier 1 risk-based capital ratio | 14.4586% | 3,528 |
| Total risk-based capital ratio | 14.5119% | 4,346 |
| Memoranda: | ||
| Average total assets | $121,862,000 | 4,508 |
| Average earning assets | $113,079,250 | 4,457 |
| Average equity | $12,786,250 | 4,478 |
| Average total loans | $87,304,250 | 4,188 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5026% | 6,707 |
| Cost of funding earning assets | 1.6522% | 2,374 |
| Net interest margin | 2.8504% | 7,081 |
| Noninterest income to average assets | 0.2834% | 5,875 |
| Noninterest expense to average assets | 2.6003% | 5,322 |
| Loan and lease loss provision to assets | 0.0500% | 6,469 |
| Net operating income to assets | 0.1850% | 5,615 |
| Return on assets (ROA) | 0.1850% | 5,735 |
| Pretax return on assets | 0.2700% | 5,598 |
| Return on Equity (ROE) | 1.7349% | 5,716 |
| Retained earnings to average equity (ytd only) | 1.7349% | 5,004 |
| Net charge-offs to loans | 0.1164% | 5,009 |
| Credit loss provision to net charge-offs | 58.8235% | 5,231 |
| Earnings coverage of net charge-offs (x) | 3.7647% | 3,184 |
| Efficiency ratio | 89.0411% | 1,410 |
| Assets per employee ($millions) | 5.4400% | 1,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6141% | 7,389 |
| Loan loss allowance to noncurrent loans | 34.1869% | 6,088 |
| Noncurrent assets plus other real estate owned to assets | 2.2890% | 3,144 |
| Noncurrent loans to loans | 1.7964% | 4,005 |
| Net loans and leases to total assets | 69.0678% | 3,115 |
| Net loans and leases to deposits | 81.0149% | 3,428 |
| Net loans and leases to core deposits | 82.1806% | 4,388 |
| Total domestic deposits to total assets | 85.2532% | 3,488 |
| Equity capital to assets | 10.2726% | 3,684 |
| Core capital (leverage) ratio | 10.2726% | 2,868 |
| Tier 1 risk-based capital ratio | 12.6589% | 4,724 |
| Total risk-based capital ratio | 13.1849% | 5,341 |
| Memoranda: | ||
| Average total assets | $119,986,670 | 4,567 |
| Average earning assets | $111,003,000 | 4,537 |
| Average equity | $12,796,000 | 4,483 |
| Average total loans | $87,621,330 | 4,207 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6295% | 6,470 |
| Cost of funding earning assets | 1.7241% | 2,273 |
| Net interest margin | 2.9054% | 7,012 |
| Noninterest income to average assets | 0.2725% | 5,976 |
| Noninterest expense to average assets | 2.6469% | 5,159 |
| Loan and lease loss provision to assets | 0.0511% | 6,151 |
| Net operating income to assets | 0.1771% | 5,764 |
| Return on assets (ROA) | 0.1771% | 5,892 |
| Pretax return on assets | 0.2555% | 5,735 |
| Return on Equity (ROE) | 1.6291% | 5,914 |
| Retained earnings to average equity (ytd only) | 1.6291% | 5,127 |
| Net charge-offs to loans | -0.1410% | 7,594 |
| Credit loss provision to net charge-offs | -48.3871% | 6,009 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6194% | 1,461 |
| Assets per employee ($millions) | 5.2217% | 1,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6771% | 7,381 |
| Loan loss allowance to noncurrent loans | 51.8103% | 4,865 |
| Noncurrent assets plus other real estate owned to assets | 2.6362% | 2,761 |
| Noncurrent loans to loans | 1.3069% | 4,797 |
| Net loans and leases to total assets | 73.4078% | 2,107 |
| Net loans and leases to deposits | 86.6142% | 2,481 |
| Net loans and leases to core deposits | 89.0112% | 3,494 |
| Total domestic deposits to total assets | 84.7526% | 3,777 |
| Equity capital to assets | 10.6529% | 3,084 |
| Core capital (leverage) ratio | 10.6529% | 2,494 |
| Tier 1 risk-based capital ratio | 12.8391% | 4,445 |
| Total risk-based capital ratio | 13.4422% | 4,978 |
| Memoranda: | ||
| Average total assets | $117,420,500 | 4,685 |
| Average earning assets | $108,348,500 | 4,653 |
| Average equity | $12,767,500 | 4,530 |
| Average total loans | $87,956,500 | 4,258 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1801% | 5,743 |
| Cost of funding earning assets | 2.1426% | 2,263 |
| Net interest margin | 3.0376% | 6,547 |
| Noninterest income to average assets | 0.3610% | 5,504 |
| Noninterest expense to average assets | 2.9413% | 4,378 |
| Loan and lease loss provision to assets | 0.2551% | 5,356 |
| Net operating income to assets | 0.0235% | 5,419 |
| Return on assets (ROA) | 0.0235% | 5,462 |
| Pretax return on assets | -0.0118% | 5,465 |
| Return on Equity (ROE) | 0.1880% | 5,472 |
| Retained earnings to average equity (ytd only) | 0.1880% | 4,797 |
| Net charge-offs to loans | 0.3463% | 4,504 |
| Credit loss provision to net charge-offs | 86.9565% | 6,101 |
| Earnings coverage of net charge-offs (x) | 0.8294% | 5,279 |
| Efficiency ratio | 92.3598% | 1,535 |
| Assets per employee ($millions) | 4.9888% | 2,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6368% | 7,499 |
| Loan loss allowance to noncurrent loans | 27.4074% | 6,643 |
| Noncurrent assets plus other real estate owned to assets | 3.6020% | 1,856 |
| Noncurrent loans to loans | 2.3236% | 3,265 |
| Net loans and leases to total assets | 75.4693% | 1,931 |
| Net loans and leases to deposits | 90.0090% | 2,214 |
| Net loans and leases to core deposits | 97.8044% | 4,246 |
| Total domestic deposits to total assets | 83.8464% | 4,104 |
| Equity capital to assets | 11.1040% | 2,620 |
| Core capital (leverage) ratio | 11.1040% | 2,174 |
| Tier 1 risk-based capital ratio | 13.7976% | 3,633 |
| Total risk-based capital ratio | 14.3986% | 3,996 |
| Memoranda: | ||
| Average total assets | $101,928,400 | 5,044 |
| Average earning assets | $94,746,400 | 4,986 |
| Average equity | $12,767,600 | 4,567 |
| Average total loans | $86,341,200 | 4,318 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2808% | 5,523 |
| Cost of funding earning assets | 2.1204% | 2,800 |
| Net interest margin | 3.1604% | 6,142 |
| Noninterest income to average assets | 0.3228% | 5,896 |
| Noninterest expense to average assets | 2.9995% | 4,046 |
| Loan and lease loss provision to assets | 0.0608% | 6,757 |
| Net operating income to assets | 0.1594% | 5,287 |
| Return on assets (ROA) | 0.1594% | 5,345 |
| Pretax return on assets | 0.2093% | 5,275 |
| Return on Equity (ROE) | 1.2316% | 5,426 |
| Retained earnings to average equity (ytd only) | 1.2316% | 4,636 |
| Net charge-offs to loans | 0.5170% | 3,147 |
| Credit loss provision to net charge-offs | 13.4731% | 6,604 |
| Earnings coverage of net charge-offs (x) | 0.5988% | 5,436 |
| Efficiency ratio | 91.7390% | 1,559 |
| Assets per employee ($millions) | 4.7598% | 2,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3417% | 7,878 |
| Loan loss allowance to noncurrent loans | 21.4487% | 7,010 |
| Noncurrent assets plus other real estate owned to assets | 1.9803% | 3,373 |
| Noncurrent loans to loans | 1.5931% | 4,247 |
| Net loans and leases to total assets | 81.2534% | 940 |
| Net loans and leases to deposits | 98.4189% | 1,274 |
| Net loans and leases to core deposits | 107.9972% | 3,474 |
| Total domestic deposits to total assets | 82.5587% | 4,416 |
| Equity capital to assets | 11.7249% | 2,412 |
| Core capital (leverage) ratio | 11.7249% | 1,954 |
| Tier 1 risk-based capital ratio | 14.1783% | 3,450 |
| Total risk-based capital ratio | 14.5151% | 3,957 |
| Memoranda: | ||
| Average total assets | $98,725,000 | 5,159 |
| Average earning assets | $92,054,250 | 5,096 |
| Average equity | $12,774,250 | 4,591 |
| Average total loans | $86,139,000 | 4,363 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4509% | 4,894 |
| Cost of funding earning assets | 2.1646% | 2,962 |
| Net interest margin | 3.2864% | 5,602 |
| Noninterest income to average assets | 0.3448% | 5,747 |
| Noninterest expense to average assets | 3.1532% | 3,494 |
| Loan and lease loss provision to assets | 0.0631% | 6,581 |
| Net operating income to assets | 0.1493% | 5,420 |
| Return on assets (ROA) | 0.1493% | 5,516 |
| Pretax return on assets | 0.1892% | 5,496 |
| Return on Equity (ROE) | 1.1134% | 5,604 |
| Retained earnings to average equity (ytd only) | 1.1134% | 4,715 |
| Net charge-offs to loans | 0.8108% | 2,065 |
| Credit loss provision to net charge-offs | 8.6957% | 6,199 |
| Earnings coverage of net charge-offs (x) | 0.3478% | 5,337 |
| Efficiency ratio | 92.5926% | 1,599 |
| Assets per employee ($millions) | 4.2907% | 3,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3225% | 7,973 |
| Loan loss allowance to noncurrent loans | 19.7732% | 7,142 |
| Noncurrent assets plus other real estate owned to assets | 2.1705% | 2,971 |
| Noncurrent loans to loans | 1.6310% | 4,051 |
| Net loans and leases to total assets | 87.3822% | 280 |
| Net loans and leases to deposits | 119.4079% | 247 |
| Net loans and leases to core deposits | 132.4659% | 1,407 |
| Total domestic deposits to total assets | 73.1796% | 7,080 |
| Equity capital to assets | 12.9593% | 1,709 |
| Core capital (leverage) ratio | 12.9593% | 1,443 |
| Tier 1 risk-based capital ratio | 15.4272% | 2,846 |
| Total risk-based capital ratio | 15.7638% | 3,180 |
| Memoranda: | ||
| Average total assets | $95,141,330 | 5,304 |
| Average earning assets | $88,608,670 | 5,242 |
| Average equity | $12,753,670 | 4,611 |
| Average total loans | $85,099,330 | 4,427 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5340% | 4,731 |
| Cost of funding earning assets | 2.2274% | 3,024 |
| Net interest margin | 3.3066% | 5,474 |
| Noninterest income to average assets | 0.2999% | 6,038 |
| Noninterest expense to average assets | 3.1231% | 3,289 |
| Loan and lease loss provision to assets | 0.0643% | 6,148 |
| Net operating income to assets | 0.1542% | 5,806 |
| Return on assets (ROA) | 0.1542% | 5,976 |
| Pretax return on assets | 0.1971% | 5,943 |
| Return on Equity (ROE) | 1.1307% | 6,090 |
| Retained earnings to average equity (ytd only) | 1.1307% | 5,191 |
| Net charge-offs to loans | -0.0995% | 7,875 |
| Credit loss provision to net charge-offs | -71.4286% | 6,193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2785% | 1,548 |
| Assets per employee ($millions) | 4.3168% | 3,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7324% | 7,354 |
| Loan loss allowance to noncurrent loans | 56.9620% | 4,784 |
| Noncurrent assets plus other real estate owned to assets | 1.1646% | 4,339 |
| Noncurrent loans to loans | 1.2858% | 4,405 |
| Net loans and leases to total assets | 89.9083% | 140 |
| Net loans and leases to deposits | 123.2783% | 225 |
| Net loans and leases to core deposits | 139.4906% | 1,127 |
| Total domestic deposits to total assets | 72.9312% | 7,064 |
| Equity capital to assets | 13.4296% | 1,557 |
| Core capital (leverage) ratio | 13.4296% | 1,347 |
| Tier 1 risk-based capital ratio | 15.5681% | 2,826 |
| Total risk-based capital ratio | 16.3371% | 2,967 |
| Memoranda: | ||
| Average total assets | $93,369,000 | 5,391 |
| Average earning assets | $87,098,500 | 5,317 |
| Average equity | $12,736,000 | 4,647 |
| Average total loans | $84,392,500 | 4,480 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9624% | 5,743 |
| Cost of funding earning assets | 2.5946% | 3,714 |
| Net interest margin | 3.3677% | 5,795 |
| Noninterest income to average assets | 0.3456% | 5,973 |
| Noninterest expense to average assets | 3.1752% | 3,428 |
| Loan and lease loss provision to assets | 0.1876% | 5,015 |
| Net operating income to assets | 0.1137% | 6,072 |
| Return on assets (ROA) | 0.1137% | 5,911 |
| Pretax return on assets | 0.1523% | 5,837 |
| Return on Equity (ROE) | 0.7894% | 5,974 |
| Retained earnings to average equity (ytd only) | 0.7894% | 4,748 |
| Net charge-offs to loans | 0.1195% | 5,056 |
| Credit loss provision to net charge-offs | 175.5319% | 2,895 |
| Earnings coverage of net charge-offs (x) | 3.1809% | 4,497 |
| Efficiency ratio | 90.3299% | 1,491 |
| Assets per employee ($millions) | 4.1713% | 3,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7177% | 7,379 |
| Loan loss allowance to noncurrent loans | 53.7071% | 5,301 |
| Noncurrent assets plus other real estate owned to assets | 1.2052% | 3,834 |
| Noncurrent loans to loans | 1.3362% | 3,843 |
| Net loans and leases to total assets | 89.5466% | 228 |
| Net loans and leases to deposits | 125.7610% | 274 |
| Net loans and leases to core deposits | 140.5294% | 1,239 |
| Total domestic deposits to total assets | 71.2038% | 7,133 |
| Equity capital to assets | 13.8587% | 1,473 |
| Core capital (leverage) ratio | 13.8587% | 1,291 |
| Tier 1 risk-based capital ratio | 16.0788% | 2,636 |
| Total risk-based capital ratio | 16.8298% | 2,747 |
| Memoranda: | ||
| Average total assets | $87,962,600 | 5,422 |
| Average earning assets | $82,786,000 | 5,337 |
| Average equity | $12,667,600 | 4,657 |
| Average total loans | $78,668,600 | 4,563 |