Home > First Federal Savings and Loan Association > Performance and Condition Ratios
First Federal Savings and Loan Association, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7203% | 2,632 |
| Cost of funding earning assets | 2.0435% | 862 |
| Net interest margin | 2.6768% | 3,852 |
| Noninterest income to average assets | 0.5300% | 1,829 |
| Noninterest expense to average assets | 2.6674% | 1,824 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.2265% | 4,131 |
| Return on assets (ROA) | 0.2265% | 4,144 |
| Pretax return on assets | 0.2904% | 4,097 |
| Return on Equity (ROE) | 1.6300% | 4,194 |
| Retained earnings to average equity (ytd only) | 1.6343% | 3,669 |
| Net charge-offs to loans | 0.0017% | 2,760 |
| Credit loss provision to net charge-offs | 3,366.6667% | 149 |
| Earnings coverage of net charge-offs (x) | 287.3333% | 446 |
| Efficiency ratio | 88.9953% | 447 |
| Assets per employee ($millions) | 5.0711% | 3,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6907% | 4,143 |
| Loan loss allowance to noncurrent loans | 100.0759% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 0.4900% | 1,147 |
| Noncurrent loans to loans | 0.6902% | 1,139 |
| Net loans and leases to total assets | 70.5100% | 1,751 |
| Net loans and leases to deposits | 82.7855% | 1,888 |
| Net loans and leases to core deposits | 93.1470% | 1,831 |
| Total domestic deposits to total assets | 85.1700% | 2,256 |
| Equity capital to assets | 13.6343% | 745 |
| Core capital (leverage) ratio | 14.7189% | 669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $261,344,200 | 2,614 |
| Average earning assets | $241,257,200 | 2,622 |
| Average equity | $36,222,800 | 2,013 |
| Average total loans | $178,512,600 | 2,455 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5941% | 2,691 |
| Cost of funding earning assets | 1.9237% | 826 |
| Net interest margin | 2.6703% | 3,921 |
| Noninterest income to average assets | 0.5900% | 1,557 |
| Noninterest expense to average assets | 2.6960% | 1,670 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.2420% | 4,190 |
| Return on assets (ROA) | 0.2420% | 4,199 |
| Pretax return on assets | 0.3175% | 4,154 |
| Return on Equity (ROE) | 1.7400% | 4,233 |
| Retained earnings to average equity (ytd only) | 1.7387% | 3,783 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 88.4376% | 428 |
| Assets per employee ($millions) | 4.8325% | 3,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6968% | 4,142 |
| Loan loss allowance to noncurrent loans | 83.1041% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 0.5745% | 1,018 |
| Noncurrent loans to loans | 0.8384% | 985 |
| Net loans and leases to total assets | 68.0400% | 2,039 |
| Net loans and leases to deposits | 79.8514% | 2,064 |
| Net loans and leases to core deposits | 91.9805% | 1,797 |
| Total domestic deposits to total assets | 85.2100% | 2,440 |
| Equity capital to assets | 13.5265% | 718 |
| Core capital (leverage) ratio | 15.0887% | 610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $259,487,750 | 2,631 |
| Average earning assets | $238,764,500 | 2,640 |
| Average equity | $36,117,250 | 2,002 |
| Average total loans | $175,436,000 | 2,486 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4893% | 2,668 |
| Cost of funding earning assets | 1.7862% | 756 |
| Net interest margin | 2.7030% | 3,969 |
| Noninterest income to average assets | 0.7100% | 1,093 |
| Noninterest expense to average assets | 2.7002% | 1,647 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.3512% | 4,089 |
| Return on assets (ROA) | 0.3512% | 4,112 |
| Pretax return on assets | 0.4686% | 4,017 |
| Return on Equity (ROE) | 2.5000% | 4,219 |
| Retained earnings to average equity (ytd only) | 2.4991% | 3,601 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 84.5088% | 569 |
| Assets per employee ($millions) | 4.9789% | 3,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7038% | 4,173 |
| Loan loss allowance to noncurrent loans | 92.2849% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 0.5207% | 1,042 |
| Noncurrent loans to loans | 0.7627% | 996 |
| Net loans and leases to total assets | 67.7900% | 1,980 |
| Net loans and leases to deposits | 80.1806% | 1,960 |
| Net loans and leases to core deposits | 91.2069% | 1,723 |
| Total domestic deposits to total assets | 84.5400% | 2,675 |
| Equity capital to assets | 14.0654% | 639 |
| Core capital (leverage) ratio | 14.9955% | 592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $257,387,000 | 2,647 |
| Average earning assets | $236,697,000 | 2,664 |
| Average equity | $36,172,333 | 2,009 |
| Average total loans | $173,207,333 | 2,500 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3880% | 2,584 |
| Cost of funding earning assets | 1.5549% | 759 |
| Net interest margin | 2.8330% | 3,900 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 2.6762% | 1,732 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.2619% | 4,297 |
| Return on assets (ROA) | 0.2619% | 4,264 |
| Pretax return on assets | 0.3133% | 4,253 |
| Return on Equity (ROE) | 1.8600% | 4,320 |
| Retained earnings to average equity (ytd only) | 1.8641% | 3,723 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 88.7797% | 399 |
| Assets per employee ($millions) | 4.5072% | 4,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7105% | 4,233 |
| Loan loss allowance to noncurrent loans | 124.8485% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 0.3787% | 1,361 |
| Noncurrent loans to loans | 0.5691% | 1,307 |
| Net loans and leases to total assets | 66.0700% | 2,051 |
| Net loans and leases to deposits | 77.9918% | 1,974 |
| Net loans and leases to core deposits | 88.0063% | 1,743 |
| Total domestic deposits to total assets | 84.7200% | 2,926 |
| Equity capital to assets | 13.8704% | 610 |
| Core capital (leverage) ratio | 15.2508% | 549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $256,628,500 | 2,689 |
| Average earning assets | $234,095,000 | 2,710 |
| Average equity | $36,050,500 | 2,040 |
| Average total loans | $171,437,000 | 2,532 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6484% | 2,661 |
| Cost of funding earning assets | 0.6235% | 817 |
| Net interest margin | 3.0249% | 3,381 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 2.9241% | 1,085 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.2197% | 4,437 |
| Return on assets (ROA) | 0.2197% | 4,418 |
| Pretax return on assets | 0.2635% | 4,397 |
| Return on Equity (ROE) | 1.5300% | 4,429 |
| Retained earnings to average equity (ytd only) | 1.5296% | 4,094 |
| Net charge-offs to loans | 0.0026% | 2,412 |
| Credit loss provision to net charge-offs | 25.0000% | 1,916 |
| Earnings coverage of net charge-offs (x) | 167.0000% | 736 |
| Efficiency ratio | 91.7214% | 266 |
| Assets per employee ($millions) | 4.4182% | 4,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8051% | 4,017 |
| Loan loss allowance to noncurrent loans | 176.3943% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 0.3062% | 1,630 |
| Noncurrent loans to loans | 0.4564% | 1,570 |
| Net loans and leases to total assets | 66.5300% | 1,975 |
| Net loans and leases to deposits | 79.0753% | 1,837 |
| Net loans and leases to core deposits | 89.7725% | 1,515 |
| Total domestic deposits to total assets | 84.1400% | 3,175 |
| Equity capital to assets | 14.2318% | 550 |
| Core capital (leverage) ratio | 15.4319% | 518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $253,104,600 | 2,707 |
| Average earning assets | $226,622,200 | 2,759 |
| Average equity | $36,349,600 | 2,055 |
| Average total loans | $153,395,000 | 2,605 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4628% | 2,741 |
| Cost of funding earning assets | 0.4840% | 822 |
| Net interest margin | 2.9788% | 3,275 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 2.9210% | 1,019 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2136% | 4,463 |
| Return on assets (ROA) | 0.2136% | 4,430 |
| Pretax return on assets | 0.2589% | 4,414 |
| Return on Equity (ROE) | 1.4900% | 4,454 |
| Retained earnings to average equity (ytd only) | 1.4859% | 4,141 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 91.8597% | 279 |
| Assets per employee ($millions) | 4.1697% | 4,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8436% | 4,003 |
| Loan loss allowance to noncurrent loans | 105.5771% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 0.5160% | 1,058 |
| Noncurrent loans to loans | 0.7991% | 1,004 |
| Net loans and leases to total assets | 64.0300% | 2,082 |
| Net loans and leases to deposits | 76.0795% | 1,872 |
| Net loans and leases to core deposits | 81.0646% | 1,825 |
| Total domestic deposits to total assets | 84.1700% | 3,463 |
| Equity capital to assets | 14.1682% | 550 |
| Core capital (leverage) ratio | 15.2239% | 519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $253,421,500 | 2,729 |
| Average earning assets | $226,169,500 | 2,785 |
| Average equity | $36,429,250 | 2,093 |
| Average total loans | $149,515,000 | 2,643 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3198% | 2,678 |
| Cost of funding earning assets | 0.4445% | 707 |
| Net interest margin | 2.8752% | 3,236 |
| Noninterest income to average assets | 0.5847% | 1,806 |
| Noninterest expense to average assets | 2.8597% | 1,057 |
| Loan and lease loss provision to assets | -0.0008% | 4,358 |
| Net operating income to assets | 0.2263% | 4,389 |
| Return on assets (ROA) | 0.2263% | 4,348 |
| Pretax return on assets | 0.2774% | 4,323 |
| Return on Equity (ROE) | 1.5670% | 4,398 |
| Retained earnings to average equity (ytd only) | 1.5670% | 3,868 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1802% | 362 |
| Assets per employee ($millions) | 4.2643% | 4,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9178% | 3,904 |
| Loan loss allowance to noncurrent loans | 110.9032% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 0.4804% | 1,183 |
| Noncurrent loans to loans | 0.8276% | 1,034 |
| Net loans and leases to total assets | 57.5119% | 2,582 |
| Net loans and leases to deposits | 68.3340% | 2,360 |
| Net loans and leases to core deposits | 72.9256% | 2,244 |
| Total domestic deposits to total assets | 84.1629% | 3,659 |
| Equity capital to assets | 14.1135% | 497 |
| Core capital (leverage) ratio | 15.0787% | 470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $254,502,000 | 2,741 |
| Average earning assets | $225,860,333 | 2,820 |
| Average equity | $36,757,000 | 2,124 |
| Average total loans | $145,499,333 | 2,692 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2729% | 2,468 |
| Cost of funding earning assets | 0.4605% | 616 |
| Net interest margin | 2.8124% | 3,099 |
| Noninterest income to average assets | 0.6745% | 1,399 |
| Noninterest expense to average assets | 2.8602% | 1,040 |
| Loan and lease loss provision to assets | -0.0016% | 4,393 |
| Net operating income to assets | 0.2506% | 4,239 |
| Return on assets (ROA) | 0.2506% | 4,214 |
| Pretax return on assets | 0.3183% | 4,161 |
| Return on Equity (ROE) | 1.7152% | 4,305 |
| Retained earnings to average equity (ytd only) | 1.7152% | 3,627 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0298% | 543 |
| Assets per employee ($millions) | 4.5435% | 4,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9455% | 3,915 |
| Loan loss allowance to noncurrent loans | 110.6331% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 0.4842% | 1,253 |
| Noncurrent loans to loans | 0.8546% | 1,094 |
| Net loans and leases to total assets | 56.1233% | 2,515 |
| Net loans and leases to deposits | 67.2990% | 2,218 |
| Net loans and leases to core deposits | 72.0898% | 2,097 |
| Total domestic deposits to total assets | 83.3940% | 3,884 |
| Equity capital to assets | 14.4004% | 465 |
| Core capital (leverage) ratio | 15.0457% | 425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $253,825,500 | 2,761 |
| Average earning assets | $225,854,000 | 2,833 |
| Average equity | $37,080,500 | 2,170 |
| Average total loans | $143,994,000 | 2,699 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4597% | 2,774 |
| Cost of funding earning assets | 0.6279% | 474 |
| Net interest margin | 2.8318% | 3,596 |
| Noninterest income to average assets | 1.0175% | 967 |
| Noninterest expense to average assets | 2.9639% | 1,044 |
| Loan and lease loss provision to assets | -0.0427% | 4,318 |
| Net operating income to assets | 0.5004% | 4,083 |
| Return on assets (ROA) | 0.5004% | 4,127 |
| Pretax return on assets | 0.6141% | 4,083 |
| Return on Equity (ROE) | 3.2808% | 4,321 |
| Retained earnings to average equity (ytd only) | 3.2808% | 3,506 |
| Net charge-offs to loans | -0.0725% | 4,471 |
| Credit loss provision to net charge-offs | 97.1963% | 1,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8369% | 580 |
| Assets per employee ($millions) | 4.2202% | 4,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9484% | 3,943 |
| Loan loss allowance to noncurrent loans | 126.2963% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 0.4265% | 1,536 |
| Noncurrent loans to loans | 0.7509% | 1,358 |
| Net loans and leases to total assets | 56.2617% | 2,573 |
| Net loans and leases to deposits | 67.9322% | 2,317 |
| Net loans and leases to core deposits | 73.5561% | 2,113 |
| Total domestic deposits to total assets | 82.8204% | 3,843 |
| Equity capital to assets | 14.8180% | 518 |
| Core capital (leverage) ratio | 15.2077% | 435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $243,429,400 | 2,773 |
| Average earning assets | $216,435,000 | 2,835 |
| Average equity | $37,124,600 | 2,194 |
| Average total loans | $147,672,400 | 2,651 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5310% | 2,744 |
| Cost of funding earning assets | 0.6691% | 454 |
| Net interest margin | 2.8618% | 3,631 |
| Noninterest income to average assets | 1.0966% | 924 |
| Noninterest expense to average assets | 2.9954% | 985 |
| Loan and lease loss provision to assets | -0.0581% | 4,482 |
| Net operating income to assets | 0.5632% | 4,073 |
| Return on assets (ROA) | 0.5632% | 4,118 |
| Pretax return on assets | 0.6982% | 4,066 |
| Return on Equity (ROE) | 3.6659% | 4,356 |
| Retained earnings to average equity (ytd only) | 3.6659% | 3,692 |
| Net charge-offs to loans | -0.0960% | 4,596 |
| Credit loss provision to net charge-offs | 98.1308% | 1,620 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3923% | 614 |
| Assets per employee ($millions) | 3.8967% | 4,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9366% | 4,046 |
| Loan loss allowance to noncurrent loans | 196.3977% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 0.2827% | 2,359 |
| Noncurrent loans to loans | 0.4769% | 2,130 |
| Net loans and leases to total assets | 58.7220% | 2,404 |
| Net loans and leases to deposits | 71.5433% | 2,101 |
| Net loans and leases to core deposits | 77.3103% | 1,934 |
| Total domestic deposits to total assets | 82.0790% | 3,915 |
| Equity capital to assets | 15.2358% | 507 |
| Core capital (leverage) ratio | 15.6382% | 425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $240,983,500 | 2,809 |
| Average earning assets | $213,798,750 | 2,877 |
| Average equity | $37,025,500 | 2,230 |
| Average total loans | $148,634,000 | 2,685 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6367% | 2,510 |
| Cost of funding earning assets | 0.7071% | 450 |
| Net interest margin | 2.9296% | 3,505 |
| Noninterest income to average assets | 1.1350% | 881 |
| Noninterest expense to average assets | 2.9489% | 1,071 |
| Loan and lease loss provision to assets | -0.0033% | 4,389 |
| Net operating income to assets | 0.6280% | 3,924 |
| Return on assets (ROA) | 0.6280% | 3,981 |
| Pretax return on assets | 0.7775% | 3,913 |
| Return on Equity (ROE) | 4.0759% | 4,317 |
| Retained earnings to average equity (ytd only) | 4.0759% | 3,496 |
| Net charge-offs to loans | -0.0013% | 3,122 |
| Credit loss provision to net charge-offs | 400.0000% | 757 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2059% | 833 |
| Assets per employee ($millions) | 3.8446% | 4,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9213% | 4,093 |
| Loan loss allowance to noncurrent loans | 149.2849% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 0.3753% | 2,104 |
| Noncurrent loans to loans | 0.6172% | 1,866 |
| Net loans and leases to total assets | 60.2505% | 2,400 |
| Net loans and leases to deposits | 73.6847% | 2,030 |
| Net loans and leases to core deposits | 81.7078% | 1,748 |
| Total domestic deposits to total assets | 81.7681% | 3,964 |
| Equity capital to assets | 15.3868% | 477 |
| Core capital (leverage) ratio | 15.4904% | 420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $239,480,000 | 2,813 |
| Average earning assets | $211,566,000 | 2,893 |
| Average equity | $36,899,667 | 2,222 |
| Average total loans | $149,671,333 | 2,689 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7133% | 2,331 |
| Cost of funding earning assets | 0.7404% | 467 |
| Net interest margin | 2.9729% | 3,328 |
| Noninterest income to average assets | 1.1776% | 880 |
| Noninterest expense to average assets | 2.8927% | 1,166 |
| Loan and lease loss provision to assets | -0.0101% | 4,580 |
| Net operating income to assets | 0.7207% | 3,660 |
| Return on assets (ROA) | 0.7207% | 3,728 |
| Pretax return on assets | 0.8987% | 3,600 |
| Return on Equity (ROE) | 4.6738% | 4,157 |
| Retained earnings to average equity (ytd only) | 4.6738% | 3,324 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4993% | 1,088 |
| Assets per employee ($millions) | 4.0197% | 4,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9044% | 4,141 |
| Loan loss allowance to noncurrent loans | 112.5311% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 0.4996% | 1,892 |
| Noncurrent loans to loans | 0.8037% | 1,652 |
| Net loans and leases to total assets | 61.6048% | 2,327 |
| Net loans and leases to deposits | 75.0058% | 2,022 |
| Net loans and leases to core deposits | 82.9073% | 1,762 |
| Total domestic deposits to total assets | 82.1333% | 3,869 |
| Equity capital to assets | 15.2052% | 470 |
| Core capital (leverage) ratio | 15.7182% | 404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $238,116,500 | 2,810 |
| Average earning assets | $208,549,000 | 2,903 |
| Average equity | $36,715,500 | 2,218 |
| Average total loans | $150,863,000 | 2,678 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2505% | 1,998 |
| Cost of funding earning assets | 1.0581% | 477 |
| Net interest margin | 3.1924% | 3,378 |
| Noninterest income to average assets | 1.2148% | 760 |
| Noninterest expense to average assets | 3.0956% | 1,240 |
| Loan and lease loss provision to assets | 0.2175% | 1,803 |
| Net operating income to assets | 0.6419% | 3,621 |
| Return on assets (ROA) | 0.6419% | 3,744 |
| Pretax return on assets | 0.7939% | 3,636 |
| Return on Equity (ROE) | 4.0628% | 4,143 |
| Retained earnings to average equity (ytd only) | 4.0628% | 2,788 |
| Net charge-offs to loans | 0.0006% | 3,417 |
| Credit loss provision to net charge-offs | 49,500.0000% | 23 |
| Earnings coverage of net charge-offs (x) | 2,302.0000% | 40 |
| Efficiency ratio | 75.3744% | 1,299 |
| Assets per employee ($millions) | 3.9839% | 4,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8966% | 4,191 |
| Loan loss allowance to noncurrent loans | 106.6614% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 0.5429% | 1,928 |
| Noncurrent loans to loans | 0.8406% | 1,669 |
| Net loans and leases to total assets | 63.9986% | 2,368 |
| Net loans and leases to deposits | 79.1958% | 1,960 |
| Net loans and leases to core deposits | 88.3422% | 1,656 |
| Total domestic deposits to total assets | 80.8106% | 3,904 |
| Equity capital to assets | 15.6387% | 469 |
| Core capital (leverage) ratio | 15.7207% | 418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $227,615,000 | 2,741 |
| Average earning assets | $206,209,600 | 2,776 |
| Average equity | $35,960,000 | 2,178 |
| Average total loans | $165,252,000 | 2,523 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3468% | 1,976 |
| Cost of funding earning assets | 1.1113% | 514 |
| Net interest margin | 3.2355% | 3,379 |
| Noninterest income to average assets | 1.1434% | 804 |
| Noninterest expense to average assets | 3.0687% | 1,292 |
| Loan and lease loss provision to assets | 0.2481% | 1,634 |
| Net operating income to assets | 0.6254% | 3,705 |
| Return on assets (ROA) | 0.6254% | 3,800 |
| Pretax return on assets | 0.7808% | 3,697 |
| Return on Equity (ROE) | 3.9484% | 4,167 |
| Retained earnings to average equity (ytd only) | 3.9484% | 3,076 |
| Net charge-offs to loans | 0.0032% | 3,059 |
| Credit loss provision to net charge-offs | 10,500.0000% | 116 |
| Earnings coverage of net charge-offs (x) | 435.5000% | 260 |
| Efficiency ratio | 74.8919% | 1,313 |
| Assets per employee ($millions) | 3.9404% | 4,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8052% | 4,354 |
| Loan loss allowance to noncurrent loans | 89.2061% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 0.6177% | 1,885 |
| Noncurrent loans to loans | 0.9027% | 1,656 |
| Net loans and leases to total assets | 67.8759% | 2,263 |
| Net loans and leases to deposits | 84.0763% | 1,910 |
| Net loans and leases to core deposits | 94.9659% | 1,546 |
| Total domestic deposits to total assets | 80.7313% | 3,714 |
| Equity capital to assets | 15.6332% | 521 |
| Core capital (leverage) ratio | 15.8752% | 430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $225,755,750 | 2,728 |
| Average earning assets | $206,123,750 | 2,757 |
| Average equity | $35,760,250 | 2,173 |
| Average total loans | $168,617,250 | 2,504 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3990% | 2,215 |
| Cost of funding earning assets | 1.1724% | 561 |
| Net interest margin | 3.2266% | 3,590 |
| Noninterest income to average assets | 1.0863% | 842 |
| Noninterest expense to average assets | 3.0316% | 1,503 |
| Loan and lease loss provision to assets | 0.2622% | 1,621 |
| Net operating income to assets | 0.5950% | 3,758 |
| Return on assets (ROA) | 0.5950% | 3,834 |
| Pretax return on assets | 0.7427% | 3,761 |
| Return on Equity (ROE) | 3.7396% | 4,182 |
| Retained earnings to average equity (ytd only) | 3.7396% | 3,045 |
| Net charge-offs to loans | -0.0012% | 3,766 |
| Credit loss provision to net charge-offs | -29,300.0000% | 4,306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1053% | 1,360 |
| Assets per employee ($millions) | 3.8741% | 4,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6941% | 4,577 |
| Loan loss allowance to noncurrent loans | 69.0065% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 0.7354% | 1,679 |
| Noncurrent loans to loans | 1.0059% | 1,545 |
| Net loans and leases to total assets | 72.6057% | 1,607 |
| Net loans and leases to deposits | 90.3369% | 1,322 |
| Net loans and leases to core deposits | 101.5375% | 1,149 |
| Total domestic deposits to total assets | 80.3721% | 3,757 |
| Equity capital to assets | 15.7302% | 507 |
| Core capital (leverage) ratio | 15.8467% | 458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $223,512,333 | 2,728 |
| Average earning assets | $204,365,333 | 2,744 |
| Average equity | $35,565,333 | 2,181 |
| Average total loans | $171,795,333 | 2,453 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6334% | 1,898 |
| Cost of funding earning assets | 1.2708% | 618 |
| Net interest margin | 3.3626% | 3,414 |
| Noninterest income to average assets | 0.6534% | 1,822 |
| Noninterest expense to average assets | 2.9432% | 2,024 |
| Loan and lease loss provision to assets | 0.2498% | 1,241 |
| Net operating income to assets | 0.4453% | 4,034 |
| Return on assets (ROA) | 0.4453% | 4,081 |
| Pretax return on assets | 0.5593% | 4,007 |
| Return on Equity (ROE) | 2.7820% | 4,271 |
| Retained earnings to average equity (ytd only) | 2.7820% | 3,164 |
| Net charge-offs to loans | -0.0023% | 3,680 |
| Credit loss provision to net charge-offs | -13,800.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4370% | 1,286 |
| Assets per employee ($millions) | 3.7284% | 4,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5754% | 4,794 |
| Loan loss allowance to noncurrent loans | 80.1435% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 0.5701% | 2,290 |
| Noncurrent loans to loans | 0.7179% | 2,204 |
| Net loans and leases to total assets | 78.9452% | 835 |
| Net loans and leases to deposits | 99.7817% | 571 |
| Net loans and leases to core deposits | 112.1261% | 749 |
| Total domestic deposits to total assets | 79.1179% | 4,028 |
| Equity capital to assets | 16.1503% | 559 |
| Core capital (leverage) ratio | 16.0891% | 506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6351% | 370 |
| Memoranda: | ||
| Average total assets | $220,982,000 | 2,706 |
| Average earning assets | $203,653,500 | 2,716 |
| Average equity | $35,370,500 | 2,179 |
| Average total loans | $174,134,500 | 2,427 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5218% | 2,872 |
| Cost of funding earning assets | 1.4104% | 542 |
| Net interest margin | 3.1114% | 4,344 |
| Noninterest income to average assets | 0.6178% | 2,147 |
| Noninterest expense to average assets | 3.1311% | 1,686 |
| Loan and lease loss provision to assets | 0.0226% | 3,572 |
| Net operating income to assets | 0.2893% | 4,759 |
| Return on assets (ROA) | 0.2893% | 4,787 |
| Pretax return on assets | 0.3543% | 4,764 |
| Return on Equity (ROE) | 1.8425% | 4,812 |
| Retained earnings to average equity (ytd only) | 1.8425% | 4,061 |
| Net charge-offs to loans | -0.0029% | 4,263 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2577% | 380 |
| Assets per employee ($millions) | 3.8273% | 4,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4988% | 4,892 |
| Loan loss allowance to noncurrent loans | 61.5494% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 0.6338% | 2,002 |
| Noncurrent loans to loans | 0.8105% | 1,885 |
| Net loans and leases to total assets | 77.8139% | 1,107 |
| Net loans and leases to deposits | 96.8609% | 856 |
| Net loans and leases to core deposits | 108.5748% | 935 |
| Total domestic deposits to total assets | 80.3357% | 3,909 |
| Equity capital to assets | 15.8632% | 629 |
| Core capital (leverage) ratio | 15.8539% | 545 |
| Tier 1 risk-based capital ratio | 24.8425% | 763 |
| Total risk-based capital ratio | 25.4534% | 794 |
| Memoranda: | ||
| Average total assets | $221,586,400 | 2,646 |
| Average earning assets | $205,824,600 | 2,649 |
| Average equity | $34,790,600 | 2,153 |
| Average total loans | $172,503,200 | 2,393 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5311% | 2,959 |
| Cost of funding earning assets | 1.4278% | 517 |
| Net interest margin | 3.1034% | 4,468 |
| Noninterest income to average assets | 0.5845% | 2,286 |
| Noninterest expense to average assets | 3.0641% | 1,797 |
| Loan and lease loss provision to assets | 0.0211% | 3,493 |
| Net operating income to assets | 0.3076% | 4,833 |
| Return on assets (ROA) | 0.3076% | 4,853 |
| Pretax return on assets | 0.3792% | 4,829 |
| Return on Equity (ROE) | 1.9643% | 4,899 |
| Retained earnings to average equity (ytd only) | 1.9643% | 4,286 |
| Net charge-offs to loans | -0.0039% | 4,151 |
| Credit loss provision to net charge-offs | -700.0000% | 4,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4448% | 376 |
| Assets per employee ($millions) | 3.8234% | 4,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4945% | 4,979 |
| Loan loss allowance to noncurrent loans | 60.6557% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 0.6327% | 2,105 |
| Noncurrent loans to loans | 0.8153% | 1,934 |
| Net loans and leases to total assets | 77.2162% | 1,283 |
| Net loans and leases to deposits | 96.4139% | 968 |
| Net loans and leases to core deposits | 108.2842% | 1,037 |
| Total domestic deposits to total assets | 80.0882% | 3,974 |
| Equity capital to assets | 15.8254% | 670 |
| Core capital (leverage) ratio | 16.0179% | 556 |
| Tier 1 risk-based capital ratio | 26.1423% | 698 |
| Total risk-based capital ratio | 26.7764% | 721 |
| Memoranda: | ||
| Average total assets | $221,486,500 | 2,669 |
| Average earning assets | $205,535,750 | 2,668 |
| Average equity | $34,684,750 | 2,167 |
| Average total loans | $172,228,500 | 2,424 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4995% | 3,021 |
| Cost of funding earning assets | 1.4138% | 510 |
| Net interest margin | 3.0857% | 4,559 |
| Noninterest income to average assets | 0.4887% | 2,739 |
| Noninterest expense to average assets | 3.0633% | 1,829 |
| Loan and lease loss provision to assets | 0.0090% | 3,564 |
| Net operating income to assets | 0.2295% | 4,964 |
| Return on assets (ROA) | 0.2295% | 4,975 |
| Pretax return on assets | 0.2791% | 4,954 |
| Return on Equity (ROE) | 1.4704% | 5,005 |
| Retained earnings to average equity (ytd only) | 1.4704% | 4,302 |
| Net charge-offs to loans | -0.0058% | 4,169 |
| Credit loss provision to net charge-offs | -200.0000% | 3,985 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4016% | 300 |
| Assets per employee ($millions) | 3.7994% | 4,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4763% | 5,045 |
| Loan loss allowance to noncurrent loans | 69.9407% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 0.5359% | 2,409 |
| Noncurrent loans to loans | 0.6809% | 2,274 |
| Net loans and leases to total assets | 78.3297% | 1,160 |
| Net loans and leases to deposits | 97.5534% | 882 |
| Net loans and leases to core deposits | 109.4872% | 1,001 |
| Total domestic deposits to total assets | 80.2941% | 3,973 |
| Equity capital to assets | 15.8033% | 650 |
| Core capital (leverage) ratio | 15.7219% | 585 |
| Tier 1 risk-based capital ratio | 24.6286% | 793 |
| Total risk-based capital ratio | 25.2127% | 830 |
| Memoranda: | ||
| Average total assets | $221,396,000 | 2,678 |
| Average earning assets | $205,398,330 | 2,682 |
| Average equity | $34,548,330 | 2,168 |
| Average total loans | $172,276,670 | 2,431 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4804% | 2,936 |
| Cost of funding earning assets | 1.4170% | 429 |
| Net interest margin | 3.0634% | 4,649 |
| Noninterest income to average assets | 0.4380% | 2,924 |
| Noninterest expense to average assets | 3.1148% | 1,704 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.1406% | 5,061 |
| Return on assets (ROA) | 0.1406% | 5,066 |
| Pretax return on assets | 0.1640% | 5,062 |
| Return on Equity (ROE) | 0.9070% | 5,083 |
| Retained earnings to average equity (ytd only) | 0.9070% | 4,336 |
| Net charge-offs to loans | -0.0116% | 4,283 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9973% | 249 |
| Assets per employee ($millions) | 3.9018% | 4,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4727% | 5,111 |
| Loan loss allowance to noncurrent loans | 219.9461% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.1668% | 3,982 |
| Noncurrent loans to loans | 0.2149% | 3,820 |
| Net loans and leases to total assets | 77.2483% | 1,280 |
| Net loans and leases to deposits | 95.9429% | 969 |
| Net loans and leases to core deposits | 106.7802% | 1,119 |
| Total domestic deposits to total assets | 80.5148% | 4,072 |
| Equity capital to assets | 15.5190% | 646 |
| Core capital (leverage) ratio | 15.5735% | 585 |
| Tier 1 risk-based capital ratio | 24.4051% | 807 |
| Total risk-based capital ratio | 24.9798% | 844 |
| Memoranda: | ||
| Average total assets | $221,911,000 | 2,709 |
| Average earning assets | $205,785,500 | 2,710 |
| Average equity | $34,399,000 | 2,167 |
| Average total loans | $171,696,000 | 2,460 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2968% | 3,124 |
| Cost of funding earning assets | 1.2010% | 344 |
| Net interest margin | 3.0958% | 4,659 |
| Noninterest income to average assets | 0.5067% | 2,797 |
| Noninterest expense to average assets | 3.0607% | 1,894 |
| Loan and lease loss provision to assets | 0.0075% | 3,972 |
| Net operating income to assets | 0.2564% | 5,054 |
| Return on assets (ROA) | 0.2564% | 5,049 |
| Pretax return on assets | 0.3241% | 5,028 |
| Return on Equity (ROE) | 1.6136% | 5,093 |
| Retained earnings to average equity (ytd only) | 1.6136% | 4,496 |
| Net charge-offs to loans | 0.0193% | 3,056 |
| Credit loss provision to net charge-offs | 50.0000% | 3,186 |
| Earnings coverage of net charge-offs (x) | 22.1875% | 1,913 |
| Efficiency ratio | 90.2258% | 335 |
| Assets per employee ($millions) | 3.7528% | 4,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4749% | 5,147 |
| Loan loss allowance to noncurrent loans | 445.6044% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.0822% | 4,408 |
| Noncurrent loans to loans | 0.1066% | 4,254 |
| Net loans and leases to total assets | 76.7606% | 1,476 |
| Net loans and leases to deposits | 94.7608% | 1,198 |
| Net loans and leases to core deposits | 104.3429% | 1,387 |
| Total domestic deposits to total assets | 81.0046% | 3,886 |
| Equity capital to assets | 15.4835% | 621 |
| Core capital (leverage) ratio | 15.4848% | 601 |
| Tier 1 risk-based capital ratio | 25.0317% | 743 |
| Total risk-based capital ratio | 25.6192% | 771 |
| Memoranda: | ||
| Average total assets | $214,131,200 | 2,737 |
| Average earning assets | $199,589,800 | 2,724 |
| Average equity | $34,022,600 | 2,110 |
| Average total loans | $165,638,800 | 2,475 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2103% | 3,288 |
| Cost of funding earning assets | 1.1100% | 377 |
| Net interest margin | 3.1003% | 4,703 |
| Noninterest income to average assets | 0.5049% | 2,843 |
| Noninterest expense to average assets | 3.0458% | 1,885 |
| Loan and lease loss provision to assets | 0.0100% | 3,787 |
| Net operating income to assets | 0.2694% | 5,130 |
| Return on assets (ROA) | 0.2694% | 5,123 |
| Pretax return on assets | 0.3379% | 5,100 |
| Return on Equity (ROE) | 1.6844% | 5,168 |
| Retained earnings to average equity (ytd only) | 1.6844% | 4,679 |
| Net charge-offs to loans | 0.0324% | 2,439 |
| Credit loss provision to net charge-offs | 40.0000% | 2,906 |
| Earnings coverage of net charge-offs (x) | 13.8506% | 2,323 |
| Efficiency ratio | 89.7483% | 334 |
| Assets per employee ($millions) | 3.8372% | 4,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4644% | 5,230 |
| Loan loss allowance to noncurrent loans | 144.4245% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 0.2498% | 3,711 |
| Noncurrent loans to loans | 0.3215% | 3,520 |
| Net loans and leases to total assets | 77.3368% | 1,443 |
| Net loans and leases to deposits | 95.7595% | 1,185 |
| Net loans and leases to core deposits | 106.4776% | 1,272 |
| Total domestic deposits to total assets | 80.7615% | 3,938 |
| Equity capital to assets | 15.3132% | 659 |
| Core capital (leverage) ratio | 15.4719% | 601 |
| Tier 1 risk-based capital ratio | 24.8535% | 770 |
| Total risk-based capital ratio | 25.4331% | 803 |
| Memoranda: | ||
| Average total assets | $212,309,750 | 2,773 |
| Average earning assets | $197,827,000 | 2,753 |
| Average equity | $33,957,500 | 2,116 |
| Average total loans | $164,355,500 | 2,504 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1218% | 3,373 |
| Cost of funding earning assets | 0.9657% | 547 |
| Net interest margin | 3.1561% | 4,600 |
| Noninterest income to average assets | 0.4854% | 2,944 |
| Noninterest expense to average assets | 3.0542% | 1,896 |
| Loan and lease loss provision to assets | 0.0144% | 3,589 |
| Net operating income to assets | 0.2872% | 5,134 |
| Return on assets (ROA) | 0.2872% | 5,127 |
| Pretax return on assets | 0.3552% | 5,103 |
| Return on Equity (ROE) | 1.7691% | 5,204 |
| Retained earnings to average equity (ytd only) | 1.7691% | 4,541 |
| Net charge-offs to loans | 0.0483% | 1,922 |
| Credit loss provision to net charge-offs | 38.4615% | 2,571 |
| Earnings coverage of net charge-offs (x) | 9.8974% | 2,366 |
| Efficiency ratio | 89.2058% | 404 |
| Assets per employee ($millions) | 3.8373% | 4,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4795% | 5,284 |
| Loan loss allowance to noncurrent loans | 175.7112% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 0.2089% | 3,955 |
| Noncurrent loans to loans | 0.2729% | 3,736 |
| Net loans and leases to total assets | 76.2037% | 1,602 |
| Net loans and leases to deposits | 96.2911% | 1,112 |
| Net loans and leases to core deposits | 107.4981% | 1,154 |
| Total domestic deposits to total assets | 79.1388% | 4,406 |
| Equity capital to assets | 15.5294% | 589 |
| Core capital (leverage) ratio | 16.3165% | 461 |
| Tier 1 risk-based capital ratio | 25.1054% | 723 |
| Total risk-based capital ratio | 25.6930% | 774 |
| Memoranda: | ||
| Average total assets | $208,893,330 | 2,819 |
| Average earning assets | $194,478,000 | 2,807 |
| Average equity | $33,916,330 | 2,128 |
| Average total loans | $161,499,670 | 2,535 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0399% | 3,465 |
| Cost of funding earning assets | 0.8692% | 693 |
| Net interest margin | 3.1707% | 4,551 |
| Noninterest income to average assets | 0.4903% | 2,868 |
| Noninterest expense to average assets | 3.1102% | 1,795 |
| Loan and lease loss provision to assets | 0.0039% | 3,463 |
| Net operating income to assets | 0.2667% | 5,145 |
| Return on assets (ROA) | 0.2667% | 5,146 |
| Pretax return on assets | 0.3236% | 5,140 |
| Return on Equity (ROE) | 1.6051% | 5,233 |
| Retained earnings to average equity (ytd only) | 1.6051% | 4,458 |
| Net charge-offs to loans | 0.0025% | 2,649 |
| Credit loss provision to net charge-offs | 200.0000% | 1,039 |
| Earnings coverage of net charge-offs (x) | 167.0000% | 388 |
| Efficiency ratio | 90.4735% | 421 |
| Assets per employee ($millions) | 3.7284% | 4,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5123% | 5,319 |
| Loan loss allowance to noncurrent loans | 186.0674% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 0.2170% | 4,011 |
| Noncurrent loans to loans | 0.2753% | 3,783 |
| Net loans and leases to total assets | 78.4201% | 1,176 |
| Net loans and leases to deposits | 102.4914% | 556 |
| Net loans and leases to core deposits | 116.1235% | 723 |
| Total domestic deposits to total assets | 76.5138% | 4,920 |
| Equity capital to assets | 16.5312% | 435 |
| Core capital (leverage) ratio | 16.9663% | 384 |
| Tier 1 risk-based capital ratio | 26.0648% | 684 |
| Total risk-based capital ratio | 26.6969% | 710 |
| Memoranda: | ||
| Average total assets | $203,976,500 | 2,899 |
| Average earning assets | $189,610,000 | 2,888 |
| Average equity | $33,891,000 | 2,146 |
| Average total loans | $158,509,000 | 2,587 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0306% | 3,300 |
| Cost of funding earning assets | 0.8050% | 599 |
| Net interest margin | 3.2256% | 4,373 |
| Noninterest income to average assets | 0.5538% | 2,695 |
| Noninterest expense to average assets | 3.1458% | 1,729 |
| Loan and lease loss provision to assets | 0.0811% | 2,583 |
| Net operating income to assets | 0.3197% | 4,895 |
| Return on assets (ROA) | 0.3197% | 4,910 |
| Pretax return on assets | 0.3131% | 5,194 |
| Return on Equity (ROE) | 1.8803% | 5,081 |
| Retained earnings to average equity (ytd only) | 1.8803% | 4,185 |
| Net charge-offs to loans | -0.0032% | 4,580 |
| Credit loss provision to net charge-offs | -3,200.0000% | 5,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8650% | 483 |
| Assets per employee ($millions) | 3.6889% | 4,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5322% | 5,354 |
| Loan loss allowance to noncurrent loans | 232.9577% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.1750% | 4,256 |
| Noncurrent loans to loans | 0.2285% | 3,991 |
| Net loans and leases to total assets | 76.1755% | 1,561 |
| Net loans and leases to deposits | 97.5898% | 931 |
| Net loans and leases to core deposits | 108.6679% | 1,084 |
| Total domestic deposits to total assets | 78.0568% | 4,712 |
| Equity capital to assets | 16.7000% | 429 |
| Core capital (leverage) ratio | 16.8658% | 378 |
| Tier 1 risk-based capital ratio | 26.7949% | 606 |
| Total risk-based capital ratio | 27.4466% | 640 |
| Memoranda: | ||
| Average total assets | $197,376,200 | 2,943 |
| Average earning assets | $182,725,800 | 2,936 |
| Average equity | $33,558,400 | 2,150 |
| Average total loans | $154,742,000 | 2,603 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0263% | 3,259 |
| Cost of funding earning assets | 0.7876% | 619 |
| Net interest margin | 3.2387% | 4,362 |
| Noninterest income to average assets | 0.5170% | 2,923 |
| Noninterest expense to average assets | 3.1156% | 1,760 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.2646% | 5,279 |
| Return on assets (ROA) | 0.2646% | 5,294 |
| Pretax return on assets | 0.3973% | 5,194 |
| Return on Equity (ROE) | 1.5493% | 5,369 |
| Retained earnings to average equity (ytd only) | 1.5493% | 4,805 |
| Net charge-offs to loans | -0.0052% | 4,465 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6909% | 467 |
| Assets per employee ($millions) | 3.5891% | 4,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4180% | 5,545 |
| Loan loss allowance to noncurrent loans | 176.2533% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.1886% | 4,351 |
| Noncurrent loans to loans | 0.2372% | 4,106 |
| Net loans and leases to total assets | 79.1721% | 1,102 |
| Net loans and leases to deposits | 103.3574% | 531 |
| Net loans and leases to core deposits | 114.9146% | 790 |
| Total domestic deposits to total assets | 76.6003% | 4,944 |
| Equity capital to assets | 16.7630% | 450 |
| Core capital (leverage) ratio | 17.0902% | 376 |
| Tier 1 risk-based capital ratio | 26.3996% | 653 |
| Total risk-based capital ratio | 26.9219% | 689 |
| Memoranda: | ||
| Average total assets | $195,997,250 | 2,986 |
| Average earning assets | $181,301,500 | 2,977 |
| Average equity | $33,477,250 | 2,168 |
| Average total loans | $154,582,250 | 2,623 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9858% | 3,254 |
| Cost of funding earning assets | 0.7720% | 607 |
| Net interest margin | 3.2138% | 4,374 |
| Noninterest income to average assets | 0.4961% | 3,051 |
| Noninterest expense to average assets | 3.0875% | 1,869 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2552% | 5,314 |
| Return on assets (ROA) | 0.2552% | 5,331 |
| Pretax return on assets | 0.3777% | 5,216 |
| Return on Equity (ROE) | 1.4848% | 5,413 |
| Retained earnings to average equity (ytd only) | 1.4848% | 4,652 |
| Net charge-offs to loans | -0.0065% | 4,405 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1001% | 496 |
| Assets per employee ($millions) | 3.3103% | 4,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4246% | 5,593 |
| Loan loss allowance to noncurrent loans | 175.9894% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.1908% | 4,415 |
| Noncurrent loans to loans | 0.2413% | 4,167 |
| Net loans and leases to total assets | 78.7569% | 1,129 |
| Net loans and leases to deposits | 102.7408% | 563 |
| Net loans and leases to core deposits | 115.0012% | 754 |
| Total domestic deposits to total assets | 76.6559% | 5,009 |
| Equity capital to assets | 16.8931% | 415 |
| Core capital (leverage) ratio | 17.1916% | 356 |
| Tier 1 risk-based capital ratio | 26.8608% | 612 |
| Total risk-based capital ratio | 27.3936% | 643 |
| Memoranda: | ||
| Average total assets | $194,333,000 | 3,016 |
| Average earning assets | $179,536,670 | 3,008 |
| Average equity | $33,405,670 | 2,167 |
| Average total loans | $152,844,330 | 2,647 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9383% | 3,250 |
| Cost of funding earning assets | 0.7624% | 610 |
| Net interest margin | 3.1759% | 4,420 |
| Noninterest income to average assets | 0.4287% | 3,456 |
| Noninterest expense to average assets | 3.0740% | 1,938 |
| Loan and lease loss provision to assets | -0.0021% | 5,637 |
| Net operating income to assets | 0.2060% | 5,386 |
| Return on assets (ROA) | 0.2060% | 5,398 |
| Pretax return on assets | 0.2872% | 5,329 |
| Return on Equity (ROE) | 1.1880% | 5,466 |
| Retained earnings to average equity (ytd only) | 1.1880% | 4,597 |
| Net charge-offs to loans | -0.0053% | 4,205 |
| Credit loss provision to net charge-offs | 50.0000% | 1,981 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5118% | 479 |
| Assets per employee ($millions) | 3.5122% | 4,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4338% | 5,660 |
| Loan loss allowance to noncurrent loans | 238.4892% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.2076% | 4,405 |
| Noncurrent loans to loans | 0.1819% | 4,469 |
| Net loans and leases to total assets | 78.7822% | 1,016 |
| Net loans and leases to deposits | 103.2077% | 437 |
| Net loans and leases to core deposits | 115.7167% | 602 |
| Total domestic deposits to total assets | 76.3336% | 5,196 |
| Equity capital to assets | 17.2824% | 358 |
| Core capital (leverage) ratio | 17.5940% | 314 |
| Tier 1 risk-based capital ratio | 27.3161% | 607 |
| Total risk-based capital ratio | 27.8572% | 638 |
| Memoranda: | ||
| Average total assets | $192,189,500 | 3,067 |
| Average earning assets | $177,336,500 | 3,056 |
| Average equity | $33,332,000 | 2,182 |
| Average total loans | $150,719,500 | 2,690 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9285% | 3,464 |
| Cost of funding earning assets | 0.7579% | 612 |
| Net interest margin | 3.1706% | 4,534 |
| Noninterest income to average assets | 0.6110% | 2,606 |
| Noninterest expense to average assets | 3.7826% | 789 |
| Loan and lease loss provision to assets | 0.0005% | 4,329 |
| Net operating income to assets | -0.1672% | 5,707 |
| Return on assets (ROA) | -0.1672% | 5,720 |
| Pretax return on assets | -0.2867% | 5,736 |
| Return on Equity (ROE) | -0.9352% | 5,699 |
| Retained earnings to average equity (ytd only) | -0.9352% | 5,435 |
| Net charge-offs to loans | 0.0047% | 4,085 |
| Credit loss provision to net charge-offs | 14.2857% | 3,713 |
| Earnings coverage of net charge-offs (x) | -76.2857% | 4,274 |
| Efficiency ratio | 108.1852% | 140 |
| Assets per employee ($millions) | 3.4765% | 4,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4455% | 5,706 |
| Loan loss allowance to noncurrent loans | 130.0589% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 0.3478% | 3,892 |
| Noncurrent loans to loans | 0.3426% | 3,909 |
| Net loans and leases to total assets | 77.3658% | 1,300 |
| Net loans and leases to deposits | 101.0147% | 599 |
| Net loans and leases to core deposits | 112.9178% | 739 |
| Total domestic deposits to total assets | 76.5886% | 5,171 |
| Equity capital to assets | 17.4048% | 344 |
| Core capital (leverage) ratio | 17.7074% | 301 |
| Tier 1 risk-based capital ratio | 27.8364% | 575 |
| Total risk-based capital ratio | 28.3885% | 599 |
| Memoranda: | ||
| Average total assets | $186,592,000 | 3,093 |
| Average earning assets | $169,808,200 | 3,114 |
| Average equity | $33,361,000 | 2,160 |
| Average total loans | $148,697,600 | 2,663 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9589% | 3,381 |
| Cost of funding earning assets | 0.7523% | 628 |
| Net interest margin | 3.2066% | 4,474 |
| Noninterest income to average assets | 0.5824% | 2,751 |
| Noninterest expense to average assets | 3.9940% | 594 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.3092% | 5,826 |
| Return on assets (ROA) | -0.3092% | 5,835 |
| Pretax return on assets | -0.5033% | 5,851 |
| Return on Equity (ROE) | -1.7175% | 5,806 |
| Retained earnings to average equity (ytd only) | -1.7175% | 5,576 |
| Net charge-offs to loans | 0.0090% | 3,617 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | -70.0158% | 3,942 |
| Efficiency ratio | 114.4181% | 100 |
| Assets per employee ($millions) | 3.4101% | 4,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4447% | 5,773 |
| Loan loss allowance to noncurrent loans | 85.3437% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 0.5369% | 3,314 |
| Noncurrent loans to loans | 0.5211% | 3,435 |
| Net loans and leases to total assets | 78.5423% | 1,110 |
| Net loans and leases to deposits | 103.7965% | 468 |
| Net loans and leases to core deposits | 116.4303% | 641 |
| Total domestic deposits to total assets | 75.6695% | 5,269 |
| Equity capital to assets | 17.7281% | 369 |
| Core capital (leverage) ratio | 18.0167% | 302 |
| Tier 1 risk-based capital ratio | 28.3401% | 563 |
| Total risk-based capital ratio | 28.9009% | 588 |
| Memoranda: | ||
| Average total assets | $185,438,500 | 3,112 |
| Average earning assets | $168,190,750 | 3,150 |
| Average equity | $33,381,500 | 2,178 |
| Average total loans | $148,724,500 | 2,660 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9853% | 3,289 |
| Cost of funding earning assets | 0.7452% | 648 |
| Net interest margin | 3.2401% | 4,410 |
| Noninterest income to average assets | 0.5760% | 2,745 |
| Noninterest expense to average assets | 4.4096% | 414 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.6041% | 5,938 |
| Return on assets (ROA) | -0.6041% | 5,942 |
| Pretax return on assets | -0.9105% | 5,967 |
| Return on Equity (ROE) | -3.3388% | 5,906 |
| Retained earnings to average equity (ytd only) | -3.3388% | 5,658 |
| Net charge-offs to loans | 0.0107% | 3,343 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -105.1250% | 3,683 |
| Efficiency ratio | 126.0210% | 75 |
| Assets per employee ($millions) | 3.4377% | 4,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4459% | 5,849 |
| Loan loss allowance to noncurrent loans | 131.7365% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 0.4913% | 3,565 |
| Noncurrent loans to loans | 0.3385% | 4,151 |
| Net loans and leases to total assets | 79.3836% | 1,002 |
| Net loans and leases to deposits | 105.8566% | 376 |
| Net loans and leases to core deposits | 118.4885% | 555 |
| Total domestic deposits to total assets | 74.9917% | 5,412 |
| Equity capital to assets | 17.8437% | 351 |
| Core capital (leverage) ratio | 17.9271% | 300 |
| Tier 1 risk-based capital ratio | 27.8712% | 602 |
| Total risk-based capital ratio | 28.4265% | 619 |
| Memoranda: | ||
| Average total assets | $184,733,000 | 3,135 |
| Average earning assets | $166,661,670 | 3,186 |
| Average equity | $33,425,330 | 2,176 |
| Average total loans | $148,976,670 | 2,664 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9949% | 3,244 |
| Cost of funding earning assets | 0.7353% | 674 |
| Net interest margin | 3.2596% | 4,363 |
| Noninterest income to average assets | 0.4602% | 3,417 |
| Noninterest expense to average assets | 3.1625% | 1,922 |
| Loan and lease loss provision to assets | -0.0022% | 5,862 |
| Net operating income to assets | 0.1823% | 5,562 |
| Return on assets (ROA) | 0.1823% | 5,618 |
| Pretax return on assets | 0.2344% | 5,598 |
| Return on Equity (ROE) | 1.0007% | 5,693 |
| Retained earnings to average equity (ytd only) | 1.0007% | 4,839 |
| Net charge-offs to loans | 0.0241% | 2,449 |
| Credit loss provision to net charge-offs | -11.1111% | 4,086 |
| Earnings coverage of net charge-offs (x) | 11.8889% | 1,833 |
| Efficiency ratio | 93.1586% | 493 |
| Assets per employee ($millions) | 3.5524% | 4,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4411% | 5,916 |
| Loan loss allowance to noncurrent loans | 363.5359% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.3205% | 4,287 |
| Noncurrent loans to loans | 0.1213% | 4,989 |
| Net loans and leases to total assets | 80.3970% | 760 |
| Net loans and leases to deposits | 108.6192% | 264 |
| Net loans and leases to core deposits | 121.0007% | 440 |
| Total domestic deposits to total assets | 74.0173% | 5,610 |
| Equity capital to assets | 18.1993% | 308 |
| Core capital (leverage) ratio | 18.5187% | 258 |
| Tier 1 risk-based capital ratio | 28.2808% | 590 |
| Total risk-based capital ratio | 28.8319% | 624 |
| Memoranda: | ||
| Average total assets | $184,282,500 | 3,154 |
| Average earning assets | $165,912,000 | 3,199 |
| Average equity | $33,576,000 | 2,175 |
| Average total loans | $149,453,500 | 2,657 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1044% | 2,897 |
| Cost of funding earning assets | 0.7298% | 704 |
| Net interest margin | 3.3746% | 4,015 |
| Noninterest income to average assets | 0.5520% | 3,001 |
| Noninterest expense to average assets | 3.2093% | 1,946 |
| Loan and lease loss provision to assets | 0.1134% | 2,111 |
| Net operating income to assets | 0.1957% | 5,582 |
| Return on assets (ROA) | 0.1957% | 5,643 |
| Pretax return on assets | 0.2602% | 5,598 |
| Return on Equity (ROE) | 1.0524% | 5,761 |
| Retained earnings to average equity (ytd only) | 1.0524% | 5,098 |
| Net charge-offs to loans | 0.2241% | 1,320 |
| Credit loss provision to net charge-offs | 61.4458% | 3,249 |
| Earnings coverage of net charge-offs (x) | 2.0241% | 3,989 |
| Efficiency ratio | 89.5733% | 715 |
| Assets per employee ($millions) | 3.3435% | 5,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4461% | 5,959 |
| Loan loss allowance to noncurrent loans | 295.5752% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.4100% | 3,961 |
| Noncurrent loans to loans | 0.1509% | 4,892 |
| Net loans and leases to total assets | 81.0604% | 702 |
| Net loans and leases to deposits | 109.4874% | 257 |
| Net loans and leases to core deposits | 122.2263% | 422 |
| Total domestic deposits to total assets | 74.0363% | 5,644 |
| Equity capital to assets | 18.1990% | 301 |
| Core capital (leverage) ratio | 18.5642% | 258 |
| Tier 1 risk-based capital ratio | 27.4780% | 629 |
| Total risk-based capital ratio | 28.0229% | 664 |
| Memoranda: | ||
| Average total assets | $179,883,000 | 3,174 |
| Average earning assets | $161,557,800 | 3,238 |
| Average equity | $33,448,200 | 2,124 |
| Average total loans | $148,134,400 | 2,622 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1127% | 2,891 |
| Cost of funding earning assets | 0.7259% | 727 |
| Net interest margin | 3.3868% | 4,013 |
| Noninterest income to average assets | 0.5575% | 3,003 |
| Noninterest expense to average assets | 3.2110% | 1,942 |
| Loan and lease loss provision to assets | 0.1252% | 1,809 |
| Net operating income to assets | 0.1983% | 5,683 |
| Return on assets (ROA) | 0.1983% | 5,740 |
| Pretax return on assets | 0.2609% | 5,705 |
| Return on Equity (ROE) | 1.0605% | 5,847 |
| Retained earnings to average equity (ytd only) | 1.0605% | 5,293 |
| Net charge-offs to loans | 0.2590% | 1,017 |
| Credit loss provision to net charge-offs | 58.5366% | 2,927 |
| Earnings coverage of net charge-offs (x) | 1.8049% | 3,777 |
| Efficiency ratio | 89.2665% | 748 |
| Assets per employee ($millions) | 3.3129% | 5,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4535% | 6,051 |
| Loan loss allowance to noncurrent loans | 173.1458% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.5081% | 3,796 |
| Noncurrent loans to loans | 0.2619% | 4,641 |
| Net loans and leases to total assets | 83.0755% | 464 |
| Net loans and leases to deposits | 112.8871% | 190 |
| Net loans and leases to core deposits | 126.8290% | 322 |
| Total domestic deposits to total assets | 73.5916% | 5,747 |
| Equity capital to assets | 18.7698% | 290 |
| Core capital (leverage) ratio | 18.9028% | 249 |
| Tier 1 risk-based capital ratio | 27.7358% | 638 |
| Total risk-based capital ratio | 28.2946% | 660 |
| Memoranda: | ||
| Average total assets | $178,880,000 | 3,210 |
| Average earning assets | $160,541,250 | 3,277 |
| Average equity | $33,443,500 | 2,139 |
| Average total loans | $147,734,500 | 2,632 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1237% | 2,812 |
| Cost of funding earning assets | 0.7199% | 761 |
| Net interest margin | 3.4038% | 3,898 |
| Noninterest income to average assets | 0.5702% | 2,901 |
| Noninterest expense to average assets | 3.2235% | 1,913 |
| Loan and lease loss provision to assets | 0.1442% | 1,493 |
| Net operating income to assets | 0.1923% | 5,710 |
| Return on assets (ROA) | 0.1923% | 5,775 |
| Pretax return on assets | 0.2527% | 5,735 |
| Return on Equity (ROE) | 1.0300% | 5,897 |
| Retained earnings to average equity (ytd only) | 1.0300% | 5,158 |
| Net charge-offs to loans | 0.2119% | 1,201 |
| Credit loss provision to net charge-offs | 82.6923% | 2,296 |
| Earnings coverage of net charge-offs (x) | 2.2756% | 3,375 |
| Efficiency ratio | 89.0364% | 821 |
| Assets per employee ($millions) | 3.1736% | 5,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5189% | 6,072 |
| Loan loss allowance to noncurrent loans | 125.4486% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 0.6910% | 3,332 |
| Noncurrent loans to loans | 0.4137% | 4,236 |
| Net loans and leases to total assets | 82.9515% | 476 |
| Net loans and leases to deposits | 112.7449% | 206 |
| Net loans and leases to core deposits | 125.5145% | 344 |
| Total domestic deposits to total assets | 73.5745% | 5,829 |
| Equity capital to assets | 18.8412% | 274 |
| Core capital (leverage) ratio | 18.7487% | 247 |
| Tier 1 risk-based capital ratio | 27.8025% | 654 |
| Total risk-based capital ratio | 28.4406% | 679 |
| Memoranda: | ||
| Average total assets | $178,875,330 | 3,232 |
| Average earning assets | $160,291,670 | 3,302 |
| Average equity | $33,398,670 | 2,144 |
| Average total loans | $147,214,670 | 2,656 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0119% | 3,187 |
| Cost of funding earning assets | 0.7111% | 813 |
| Net interest margin | 3.3008% | 4,216 |
| Noninterest income to average assets | 0.5260% | 3,112 |
| Noninterest expense to average assets | 3.1652% | 2,076 |
| Loan and lease loss provision to assets | 0.0780% | 2,398 |
| Net operating income to assets | 0.1783% | 5,729 |
| Return on assets (ROA) | 0.1783% | 5,805 |
| Pretax return on assets | 0.2318% | 5,784 |
| Return on Equity (ROE) | 0.9594% | 5,914 |
| Retained earnings to average equity (ytd only) | 0.9594% | 5,082 |
| Net charge-offs to loans | 0.0981% | 1,741 |
| Credit loss provision to net charge-offs | 97.2222% | 1,692 |
| Earnings coverage of net charge-offs (x) | 3.8611% | 2,555 |
| Efficiency ratio | 91.0840% | 775 |
| Assets per employee ($millions) | 3.2975% | 5,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5404% | 6,128 |
| Loan loss allowance to noncurrent loans | 115.2174% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 0.8149% | 3,063 |
| Noncurrent loans to loans | 0.4690% | 4,173 |
| Net loans and leases to total assets | 82.1764% | 445 |
| Net loans and leases to deposits | 112.7307% | 176 |
| Net loans and leases to core deposits | 125.2313% | 306 |
| Total domestic deposits to total assets | 72.8962% | 5,983 |
| Equity capital to assets | 18.7547% | 276 |
| Core capital (leverage) ratio | 18.7987% | 249 |
| Tier 1 risk-based capital ratio | 28.4356% | 628 |
| Total risk-based capital ratio | 29.1121% | 644 |
| Memoranda: | ||
| Average total assets | $179,452,000 | 3,240 |
| Average earning assets | $160,324,500 | 3,319 |
| Average equity | $33,355,500 | 2,157 |
| Average total loans | $146,726,000 | 2,664 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1011% | 3,324 |
| Cost of funding earning assets | 0.7226% | 989 |
| Net interest margin | 3.3785% | 4,288 |
| Noninterest income to average assets | 0.5808% | 2,984 |
| Noninterest expense to average assets | 3.1232% | 2,438 |
| Loan and lease loss provision to assets | 0.0850% | 2,774 |
| Net operating income to assets | 0.2964% | 5,525 |
| Return on assets (ROA) | 0.2964% | 5,596 |
| Pretax return on assets | 0.4234% | 5,433 |
| Return on Equity (ROE) | 1.5604% | 5,876 |
| Retained earnings to average equity (ytd only) | 1.5604% | 5,050 |
| Net charge-offs to loans | 0.1464% | 2,575 |
| Credit loss provision to net charge-offs | 70.1422% | 3,075 |
| Earnings coverage of net charge-offs (x) | 4.1943% | 3,711 |
| Efficiency ratio | 86.0013% | 1,168 |
| Assets per employee ($millions) | 3.2879% | 5,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5440% | 6,210 |
| Loan loss allowance to noncurrent loans | 77.8865% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 1.0308% | 2,684 |
| Noncurrent loans to loans | 0.6984% | 3,591 |
| Net loans and leases to total assets | 80.4769% | 673 |
| Net loans and leases to deposits | 110.5858% | 222 |
| Net loans and leases to core deposits | 122.3081% | 358 |
| Total domestic deposits to total assets | 72.7733% | 6,033 |
| Equity capital to assets | 18.4227% | 293 |
| Core capital (leverage) ratio | 18.4337% | 271 |
| Tier 1 risk-based capital ratio | 29.9189% | 515 |
| Total risk-based capital ratio | 30.6333% | 527 |
| Memoranda: | ||
| Average total assets | $174,083,400 | 3,282 |
| Average earning assets | $157,201,000 | 3,326 |
| Average equity | $33,068,200 | 2,109 |
| Average total loans | $144,088,000 | 2,651 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1001% | 3,373 |
| Cost of funding earning assets | 0.7181% | 1,056 |
| Net interest margin | 3.3820% | 4,303 |
| Noninterest income to average assets | 0.5986% | 2,882 |
| Noninterest expense to average assets | 3.2274% | 2,097 |
| Loan and lease loss provision to assets | 0.0526% | 3,323 |
| Net operating income to assets | 0.2676% | 5,686 |
| Return on assets (ROA) | 0.2676% | 5,750 |
| Pretax return on assets | 0.3821% | 5,615 |
| Return on Equity (ROE) | 1.3977% | 5,971 |
| Retained earnings to average equity (ytd only) | 1.3977% | 5,342 |
| Net charge-offs to loans | 0.1811% | 2,005 |
| Credit loss provision to net charge-offs | 34.8718% | 3,377 |
| Earnings coverage of net charge-offs (x) | 2.8821% | 3,799 |
| Efficiency ratio | 88.1309% | 990 |
| Assets per employee ($millions) | 3.2459% | 5,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4975% | 6,344 |
| Loan loss allowance to noncurrent loans | 53.9425% | 5,001 |
| Noncurrent assets plus other real estate owned to assets | 1.1987% | 2,558 |
| Noncurrent loans to loans | 0.9223% | 3,258 |
| Net loans and leases to total assets | 82.0040% | 507 |
| Net loans and leases to deposits | 113.1126% | 164 |
| Net loans and leases to core deposits | 124.9592% | 299 |
| Total domestic deposits to total assets | 72.4977% | 6,137 |
| Equity capital to assets | 18.5987% | 294 |
| Core capital (leverage) ratio | 18.3290% | 281 |
| Tier 1 risk-based capital ratio | 29.7589% | 537 |
| Total risk-based capital ratio | 30.4267% | 557 |
| Memoranda: | ||
| Average total assets | $172,395,000 | 3,333 |
| Average earning assets | $156,156,750 | 3,358 |
| Average equity | $33,006,500 | 2,111 |
| Average total loans | $143,528,000 | 2,679 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0935% | 3,374 |
| Cost of funding earning assets | 0.7072% | 1,157 |
| Net interest margin | 3.3863% | 4,233 |
| Noninterest income to average assets | 0.5647% | 3,016 |
| Noninterest expense to average assets | 3.2345% | 2,086 |
| Loan and lease loss provision to assets | 0.0552% | 3,192 |
| Net operating income to assets | 0.2465% | 5,724 |
| Return on assets (ROA) | 0.2465% | 5,795 |
| Pretax return on assets | 0.3557% | 5,667 |
| Return on Equity (ROE) | 1.2750% | 5,997 |
| Retained earnings to average equity (ytd only) | 1.2750% | 5,237 |
| Net charge-offs to loans | 0.1602% | 2,110 |
| Credit loss provision to net charge-offs | 41.2281% | 2,905 |
| Earnings coverage of net charge-offs (x) | 3.0702% | 3,395 |
| Efficiency ratio | 88.7279% | 1,023 |
| Assets per employee ($millions) | 3.1456% | 5,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5431% | 6,368 |
| Loan loss allowance to noncurrent loans | 42.2625% | 5,434 |
| Noncurrent assets plus other real estate owned to assets | 1.4147% | 2,310 |
| Noncurrent loans to loans | 1.2850% | 2,656 |
| Net loans and leases to total assets | 82.3384% | 439 |
| Net loans and leases to deposits | 113.8667% | 140 |
| Net loans and leases to core deposits | 126.3415% | 266 |
| Total domestic deposits to total assets | 72.3113% | 6,229 |
| Equity capital to assets | 18.7708% | 279 |
| Core capital (leverage) ratio | 18.7487% | 261 |
| Tier 1 risk-based capital ratio | 29.8063% | 529 |
| Total risk-based capital ratio | 30.5220% | 548 |
| Memoranda: | ||
| Average total assets | $170,352,330 | 3,378 |
| Average earning assets | $154,977,670 | 3,395 |
| Average equity | $32,941,000 | 2,102 |
| Average total loans | $142,328,000 | 2,697 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0511% | 3,471 |
| Cost of funding earning assets | 0.6951% | 1,276 |
| Net interest margin | 3.3560% | 4,311 |
| Noninterest income to average assets | 0.4419% | 3,847 |
| Noninterest expense to average assets | 3.3299% | 1,877 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1242% | 5,977 |
| Return on assets (ROA) | 0.1242% | 6,011 |
| Pretax return on assets | 0.1911% | 5,931 |
| Return on Equity (ROE) | 0.6326% | 6,116 |
| Retained earnings to average equity (ytd only) | 0.6326% | 5,336 |
| Net charge-offs to loans | 0.3244% | 1,094 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.7018% | 3,281 |
| Efficiency ratio | 94.5726% | 720 |
| Assets per employee ($millions) | 3.1059% | 5,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5294% | 6,476 |
| Loan loss allowance to noncurrent loans | 38.1930% | 5,621 |
| Noncurrent assets plus other real estate owned to assets | 1.3892% | 2,555 |
| Noncurrent loans to loans | 1.3862% | 2,708 |
| Net loans and leases to total assets | 83.3436% | 275 |
| Net loans and leases to deposits | 112.1188% | 117 |
| Net loans and leases to core deposits | 123.6766% | 268 |
| Total domestic deposits to total assets | 74.3350% | 6,213 |
| Equity capital to assets | 19.6203% | 229 |
| Core capital (leverage) ratio | 19.5994% | 223 |
| Tier 1 risk-based capital ratio | 32.3451% | 435 |
| Total risk-based capital ratio | 33.0782% | 450 |
| Memoranda: | ||
| Average total assets | $167,453,000 | 3,441 |
| Average earning assets | $153,637,000 | 3,445 |
| Average equity | $32,879,000 | 2,097 |
| Average total loans | $140,576,000 | 2,726 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2443% | 3,175 |
| Cost of funding earning assets | 0.9052% | 716 |
| Net interest margin | 3.3390% | 4,522 |
| Noninterest income to average assets | 0.6616% | 2,747 |
| Noninterest expense to average assets | 3.3686% | 1,951 |
| Loan and lease loss provision to assets | 0.0174% | 4,784 |
| Net operating income to assets | 0.2223% | 5,771 |
| Return on assets (ROA) | 0.2223% | 5,829 |
| Pretax return on assets | 0.3431% | 5,620 |
| Return on Equity (ROE) | 1.1469% | 6,057 |
| Retained earnings to average equity (ytd only) | 1.1469% | 5,315 |
| Net charge-offs to loans | 0.1319% | 3,487 |
| Credit loss provision to net charge-offs | 15.7609% | 4,517 |
| Earnings coverage of net charge-offs (x) | 3.2609% | 3,915 |
| Efficiency ratio | 90.3319% | 997 |
| Assets per employee ($millions) | 3.0398% | 5,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6108% | 6,460 |
| Loan loss allowance to noncurrent loans | 46.6594% | 5,400 |
| Noncurrent assets plus other real estate owned to assets | 1.3261% | 2,767 |
| Noncurrent loans to loans | 1.3092% | 2,952 |
| Net loans and leases to total assets | 83.5986% | 283 |
| Net loans and leases to deposits | 110.7084% | 164 |
| Net loans and leases to core deposits | 121.9301% | 301 |
| Total domestic deposits to total assets | 75.5125% | 6,140 |
| Equity capital to assets | 19.6493% | 230 |
| Core capital (leverage) ratio | 19.6313% | 216 |
| Tier 1 risk-based capital ratio | 32.6941% | 408 |
| Total risk-based capital ratio | 33.5498% | 414 |
| Memoranda: | ||
| Average total assets | $166,418,000 | 3,468 |
| Average earning assets | $152,889,000 | 3,456 |
| Average equity | $32,261,600 | 2,117 |
| Average total loans | $139,524,600 | 2,707 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2595% | 3,156 |
| Cost of funding earning assets | 0.9484% | 651 |
| Net interest margin | 3.3111% | 4,599 |
| Noninterest income to average assets | 0.6521% | 2,877 |
| Noninterest expense to average assets | 3.3432% | 1,967 |
| Loan and lease loss provision to assets | 0.0008% | 4,931 |
| Net operating income to assets | 0.2294% | 5,840 |
| Return on assets (ROA) | 0.2294% | 5,922 |
| Pretax return on assets | 0.3521% | 5,740 |
| Return on Equity (ROE) | 1.1874% | 6,148 |
| Retained earnings to average equity (ytd only) | 1.1874% | 5,508 |
| Net charge-offs to loans | 0.1676% | 2,880 |
| Credit loss provision to net charge-offs | 0.5714% | 4,336 |
| Earnings coverage of net charge-offs (x) | 2.5143% | 3,993 |
| Efficiency ratio | 90.4514% | 957 |
| Assets per employee ($millions) | 3.0882% | 5,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6087% | 6,546 |
| Loan loss allowance to noncurrent loans | 37.2836% | 5,734 |
| Noncurrent assets plus other real estate owned to assets | 1.7028% | 2,412 |
| Noncurrent loans to loans | 1.6326% | 2,727 |
| Net loans and leases to total assets | 83.8036% | 256 |
| Net loans and leases to deposits | 110.8961% | 140 |
| Net loans and leases to core deposits | 121.6685% | 297 |
| Total domestic deposits to total assets | 75.5694% | 6,214 |
| Equity capital to assets | 19.6851% | 226 |
| Core capital (leverage) ratio | 20.0010% | 204 |
| Tier 1 risk-based capital ratio | 33.2419% | 391 |
| Total risk-based capital ratio | 34.0949% | 401 |
| Memoranda: | ||
| Average total assets | $166,225,750 | 3,504 |
| Average earning assets | $152,815,000 | 3,486 |
| Average equity | $32,114,250 | 2,144 |
| Average total loans | $139,249,500 | 2,723 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2968% | 2,963 |
| Cost of funding earning assets | 0.9876% | 574 |
| Net interest margin | 3.3093% | 4,540 |
| Noninterest income to average assets | 0.7314% | 2,497 |
| Noninterest expense to average assets | 3.2967% | 2,077 |
| Loan and lease loss provision to assets | 0.0012% | 4,773 |
| Net operating income to assets | 0.3100% | 5,577 |
| Return on assets (ROA) | 0.3100% | 5,720 |
| Pretax return on assets | 0.4740% | 5,453 |
| Return on Equity (ROE) | 1.6147% | 6,066 |
| Retained earnings to average equity (ytd only) | 1.6147% | 5,220 |
| Net charge-offs to loans | 0.2320% | 2,336 |
| Credit loss provision to net charge-offs | 0.6173% | 3,995 |
| Earnings coverage of net charge-offs (x) | 2.4506% | 3,704 |
| Efficiency ratio | 87.4008% | 1,288 |
| Assets per employee ($millions) | 3.1799% | 5,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6163% | 6,593 |
| Loan loss allowance to noncurrent loans | 56.4901% | 4,947 |
| Noncurrent assets plus other real estate owned to assets | 1.3293% | 3,115 |
| Noncurrent loans to loans | 1.0910% | 3,753 |
| Net loans and leases to total assets | 83.1842% | 284 |
| Net loans and leases to deposits | 109.6060% | 149 |
| Net loans and leases to core deposits | 119.8808% | 318 |
| Total domestic deposits to total assets | 75.8938% | 6,261 |
| Equity capital to assets | 19.4725% | 234 |
| Core capital (leverage) ratio | 19.7816% | 201 |
| Tier 1 risk-based capital ratio | 32.7887% | 412 |
| Total risk-based capital ratio | 33.6437% | 417 |
| Memoranda: | ||
| Average total assets | $167,077,000 | 3,508 |
| Average earning assets | $153,508,670 | 3,495 |
| Average equity | $32,079,330 | 2,152 |
| Average total loans | $139,665,000 | 2,726 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3262% | 2,782 |
| Cost of funding earning assets | 1.0427% | 489 |
| Net interest margin | 3.2835% | 4,579 |
| Noninterest income to average assets | 0.6526% | 2,863 |
| Noninterest expense to average assets | 3.2679% | 2,168 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2668% | 5,677 |
| Return on assets (ROA) | 0.2668% | 5,799 |
| Pretax return on assets | 0.4073% | 5,539 |
| Return on Equity (ROE) | 1.3991% | 6,117 |
| Retained earnings to average equity (ytd only) | 1.3991% | 5,278 |
| Net charge-offs to loans | 0.3307% | 1,646 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.4741% | 3,344 |
| Efficiency ratio | 88.9177% | 1,241 |
| Assets per employee ($millions) | 2.9907% | 6,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6475% | 6,651 |
| Loan loss allowance to noncurrent loans | 75.0836% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 1.1533% | 3,637 |
| Noncurrent loans to loans | 0.8623% | 4,398 |
| Net loans and leases to total assets | 83.7704% | 200 |
| Net loans and leases to deposits | 110.3791% | 123 |
| Net loans and leases to core deposits | 120.7692% | 275 |
| Total domestic deposits to total assets | 75.8934% | 6,374 |
| Equity capital to assets | 19.4863% | 238 |
| Core capital (leverage) ratio | 19.7951% | 201 |
| Tier 1 risk-based capital ratio | 32.3890% | 436 |
| Total risk-based capital ratio | 33.2823% | 444 |
| Memoranda: | ||
| Average total assets | $167,937,500 | 3,536 |
| Average earning assets | $154,593,000 | 3,520 |
| Average equity | $32,019,500 | 2,180 |
| Average total loans | $140,296,000 | 2,725 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4206% | 3,730 |
| Cost of funding earning assets | 1.5462% | 137 |
| Net interest margin | 2.8744% | 6,271 |
| Noninterest income to average assets | 0.7333% | 2,572 |
| Noninterest expense to average assets | 3.1847% | 2,665 |
| Loan and lease loss provision to assets | 0.0553% | 5,106 |
| Net operating income to assets | 0.0852% | 6,033 |
| Return on assets (ROA) | 0.0852% | 6,175 |
| Pretax return on assets | 0.1479% | 6,071 |
| Return on Equity (ROE) | 0.4640% | 6,230 |
| Retained earnings to average equity (ytd only) | 0.4640% | 5,621 |
| Net charge-offs to loans | 0.2276% | 3,573 |
| Credit loss provision to net charge-offs | 29.1793% | 5,129 |
| Earnings coverage of net charge-offs (x) | 1.0729% | 4,926 |
| Efficiency ratio | 94.0027% | 800 |
| Assets per employee ($millions) | 3.2959% | 5,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7146% | 6,613 |
| Loan loss allowance to noncurrent loans | 62.9423% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 1.3204% | 3,437 |
| Noncurrent loans to loans | 1.1353% | 3,948 |
| Net loans and leases to total assets | 82.2044% | 317 |
| Net loans and leases to deposits | 109.0381% | 171 |
| Net loans and leases to core deposits | 119.2030% | 298 |
| Total domestic deposits to total assets | 75.3905% | 6,415 |
| Equity capital to assets | 18.6632% | 281 |
| Core capital (leverage) ratio | 18.9340% | 236 |
| Tier 1 risk-based capital ratio | 31.0155% | 474 |
| Total risk-based capital ratio | 31.9847% | 476 |
| Memoranda: | ||
| Average total assets | $173,739,400 | 3,390 |
| Average earning assets | $160,453,000 | 3,370 |
| Average equity | $31,895,000 | 2,147 |
| Average total loans | $144,554,600 | 2,661 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4317% | 3,917 |
| Cost of funding earning assets | 1.6282% | 111 |
| Net interest margin | 2.8035% | 6,495 |
| Noninterest income to average assets | 0.6050% | 3,242 |
| Noninterest expense to average assets | 3.0080% | 3,204 |
| Loan and lease loss provision to assets | 0.0719% | 4,770 |
| Net operating income to assets | 0.0750% | 6,167 |
| Return on assets (ROA) | 0.0750% | 6,306 |
| Pretax return on assets | 0.1193% | 6,242 |
| Return on Equity (ROE) | 0.4099% | 6,355 |
| Retained earnings to average equity (ytd only) | 0.4099% | 5,969 |
| Net charge-offs to loans | 0.1845% | 3,639 |
| Credit loss provision to net charge-offs | 46.7662% | 4,476 |
| Earnings coverage of net charge-offs (x) | 1.2438% | 4,666 |
| Efficiency ratio | 94.0234% | 773 |
| Assets per employee ($millions) | 3.5338% | 4,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7954% | 6,614 |
| Loan loss allowance to noncurrent loans | 54.5977% | 4,909 |
| Noncurrent assets plus other real estate owned to assets | 1.5027% | 3,335 |
| Noncurrent loans to loans | 1.4568% | 3,615 |
| Net loans and leases to total assets | 82.1144% | 337 |
| Net loans and leases to deposits | 107.3872% | 206 |
| Net loans and leases to core deposits | 118.6109% | 334 |
| Total domestic deposits to total assets | 76.4657% | 6,322 |
| Equity capital to assets | 18.4400% | 331 |
| Core capital (leverage) ratio | 18.4400% | 277 |
| Tier 1 risk-based capital ratio | 30.1317% | 525 |
| Total risk-based capital ratio | 31.2075% | 525 |
| Memoranda: | ||
| Average total assets | $174,328,000 | 3,423 |
| Average earning assets | $161,320,000 | 3,396 |
| Average equity | $31,872,250 | 2,169 |
| Average total loans | $145,218,250 | 2,670 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4728% | 3,888 |
| Cost of funding earning assets | 1.6284% | 138 |
| Net interest margin | 2.8444% | 6,510 |
| Noninterest income to average assets | 0.5403% | 3,654 |
| Noninterest expense to average assets | 2.9842% | 3,321 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1190% | 6,119 |
| Return on assets (ROA) | 0.1190% | 6,280 |
| Pretax return on assets | 0.1854% | 6,171 |
| Return on Equity (ROE) | 0.6530% | 6,362 |
| Retained earnings to average equity (ytd only) | 0.6530% | 5,802 |
| Net charge-offs to loans | 0.1262% | 3,923 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1.7609% | 4,099 |
| Efficiency ratio | 94.1495% | 797 |
| Assets per employee ($millions) | 3.5559% | 4,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7961% | 6,677 |
| Loan loss allowance to noncurrent loans | 49.6347% | 5,136 |
| Noncurrent assets plus other real estate owned to assets | 1.6960% | 3,175 |
| Noncurrent loans to loans | 1.6040% | 3,502 |
| Net loans and leases to total assets | 82.6020% | 300 |
| Net loans and leases to deposits | 107.4878% | 193 |
| Net loans and leases to core deposits | 118.5614% | 336 |
| Total domestic deposits to total assets | 76.8478% | 6,350 |
| Equity capital to assets | 18.3226% | 317 |
| Core capital (leverage) ratio | 18.3226% | 279 |
| Tier 1 risk-based capital ratio | 29.4848% | 545 |
| Total risk-based capital ratio | 30.5516% | 542 |
| Memoranda: | ||
| Average total assets | $174,718,670 | 3,439 |
| Average earning assets | $161,508,000 | 3,396 |
| Average equity | $31,853,000 | 2,157 |
| Average total loans | $145,849,000 | 2,675 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5549% | 3,697 |
| Cost of funding earning assets | 1.6441% | 155 |
| Net interest margin | 2.9107% | 6,473 |
| Noninterest income to average assets | 0.5121% | 3,837 |
| Noninterest expense to average assets | 2.9173% | 3,550 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1783% | 6,047 |
| Return on assets (ROA) | 0.1783% | 6,186 |
| Pretax return on assets | 0.2743% | 6,024 |
| Return on Equity (ROE) | 0.9806% | 6,352 |
| Retained earnings to average equity (ytd only) | 0.9806% | 5,681 |
| Net charge-offs to loans | 0.1012% | 3,527 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 3.2432% | 2,905 |
| Efficiency ratio | 91.4040% | 984 |
| Assets per employee ($millions) | 4.1259% | 3,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8364% | 6,675 |
| Loan loss allowance to noncurrent loans | 50.6912% | 5,030 |
| Noncurrent assets plus other real estate owned to assets | 1.9355% | 2,991 |
| Noncurrent loans to loans | 1.6500% | 3,628 |
| Net loans and leases to total assets | 82.7840% | 236 |
| Net loans and leases to deposits | 107.8870% | 167 |
| Net loans and leases to core deposits | 119.1678% | 322 |
| Total domestic deposits to total assets | 76.7321% | 6,448 |
| Equity capital to assets | 18.4123% | 312 |
| Core capital (leverage) ratio | 18.4123% | 274 |
| Tier 1 risk-based capital ratio | 29.6043% | 541 |
| Total risk-based capital ratio | 30.7270% | 539 |
| Memoranda: | ||
| Average total assets | $174,959,000 | 3,455 |
| Average earning assets | $161,059,000 | 3,421 |
| Average equity | $31,817,000 | 2,165 |
| Average total loans | $146,234,000 | 2,687 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6233% | 4,577 |
| Cost of funding earning assets | 1.7737% | 238 |
| Net interest margin | 2.8496% | 6,760 |
| Noninterest income to average assets | 0.2854% | 5,493 |
| Noninterest expense to average assets | 2.9738% | 3,693 |
| Loan and lease loss provision to assets | 0.1474% | 4,770 |
| Net operating income to assets | -0.1329% | 6,188 |
| Return on assets (ROA) | -0.0218% | 6,181 |
| Pretax return on assets | -0.0335% | 6,159 |
| Return on Equity (ROE) | -0.1228% | 6,178 |
| Retained earnings to average equity (ytd only) | -0.1228% | 5,873 |
| Net charge-offs to loans | 0.1654% | 4,826 |
| Credit loss provision to net charge-offs | 106.8826% | 3,167 |
| Earnings coverage of net charge-offs (x) | -0.4130% | 6,050 |
| Efficiency ratio | 101.9529% | 622 |
| Assets per employee ($millions) | 3.6798% | 4,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8437% | 6,658 |
| Loan loss allowance to noncurrent loans | 48.5403% | 5,105 |
| Noncurrent assets plus other real estate owned to assets | 2.0308% | 2,924 |
| Noncurrent loans to loans | 1.7381% | 3,560 |
| Net loans and leases to total assets | 82.9736% | 277 |
| Net loans and leases to deposits | 107.3378% | 220 |
| Net loans and leases to core deposits | 118.8552% | 378 |
| Total domestic deposits to total assets | 77.3014% | 6,298 |
| Equity capital to assets | 17.9628% | 353 |
| Core capital (leverage) ratio | 18.2877% | 283 |
| Tier 1 risk-based capital ratio | 28.5532% | 582 |
| Total risk-based capital ratio | 29.6555% | 586 |
| Memoranda: | ||
| Average total assets | $179,063,400 | 3,349 |
| Average earning assets | $165,358,000 | 3,317 |
| Average equity | $31,765,200 | 2,088 |
| Average total loans | $149,354,400 | 2,652 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6909% | 4,501 |
| Cost of funding earning assets | 1.8043% | 254 |
| Net interest margin | 2.8867% | 6,770 |
| Noninterest income to average assets | 0.2716% | 5,675 |
| Noninterest expense to average assets | 2.9379% | 3,783 |
| Loan and lease loss provision to assets | 0.1083% | 5,083 |
| Net operating income to assets | -0.0687% | 6,248 |
| Return on assets (ROA) | 0.0045% | 6,249 |
| Pretax return on assets | 0.0074% | 6,221 |
| Return on Equity (ROE) | 0.0252% | 6,253 |
| Retained earnings to average equity (ytd only) | 0.0252% | 5,947 |
| Net charge-offs to loans | 0.1398% | 4,662 |
| Credit loss provision to net charge-offs | 92.9936% | 3,670 |
| Earnings coverage of net charge-offs (x) | 0.0128% | 5,592 |
| Efficiency ratio | 99.9495% | 662 |
| Assets per employee ($millions) | 3.6689% | 4,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7063% | 6,950 |
| Loan loss allowance to noncurrent loans | 56.8743% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 1.6184% | 3,657 |
| Noncurrent loans to loans | 1.2419% | 4,464 |
| Net loans and leases to total assets | 84.5382% | 187 |
| Net loans and leases to deposits | 109.7323% | 181 |
| Net loans and leases to core deposits | 121.6635% | 347 |
| Total domestic deposits to total assets | 77.0404% | 6,373 |
| Equity capital to assets | 18.0421% | 384 |
| Core capital (leverage) ratio | 18.3680% | 295 |
| Tier 1 risk-based capital ratio | 27.8414% | 669 |
| Total risk-based capital ratio | 28.7529% | 682 |
| Memoranda: | ||
| Average total assets | $179,671,250 | 3,352 |
| Average earning assets | $166,046,500 | 3,319 |
| Average equity | $31,774,500 | 2,089 |
| Average total loans | $149,741,750 | 2,666 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7447% | 4,331 |
| Cost of funding earning assets | 1.8095% | 297 |
| Net interest margin | 2.9352% | 6,727 |
| Noninterest income to average assets | 0.3096% | 5,413 |
| Noninterest expense to average assets | 3.0322% | 3,520 |
| Loan and lease loss provision to assets | 0.0221% | 6,014 |
| Net operating income to assets | -0.0235% | 6,266 |
| Return on assets (ROA) | 0.0409% | 6,225 |
| Pretax return on assets | 0.0663% | 6,158 |
| Return on Equity (ROE) | 0.2329% | 6,257 |
| Retained earnings to average equity (ytd only) | 0.2329% | 5,745 |
| Net charge-offs to loans | 0.1978% | 3,963 |
| Credit loss provision to net charge-offs | 13.5135% | 5,210 |
| Earnings coverage of net charge-offs (x) | -0.0743% | 5,325 |
| Efficiency ratio | 100.4028% | 710 |
| Assets per employee ($millions) | 3.4352% | 5,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6838% | 7,036 |
| Loan loss allowance to noncurrent loans | 61.0714% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 1.3262% | 4,248 |
| Noncurrent loans to loans | 1.1198% | 4,797 |
| Net loans and leases to total assets | 83.4170% | 276 |
| Net loans and leases to deposits | 108.3735% | 207 |
| Net loans and leases to core deposits | 119.8220% | 423 |
| Total domestic deposits to total assets | 76.9718% | 6,453 |
| Equity capital to assets | 17.8056% | 400 |
| Core capital (leverage) ratio | 18.1270% | 321 |
| Tier 1 risk-based capital ratio | 27.9102% | 664 |
| Total risk-based capital ratio | 28.7946% | 675 |
| Memoranda: | ||
| Average total assets | $180,860,000 | 3,355 |
| Average earning assets | $167,007,670 | 3,320 |
| Average equity | $31,775,000 | 2,078 |
| Average total loans | $149,677,330 | 2,691 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7710% | 4,197 |
| Cost of funding earning assets | 1.8112% | 363 |
| Net interest margin | 2.9599% | 6,657 |
| Noninterest income to average assets | 0.2352% | 6,030 |
| Noninterest expense to average assets | 3.1389% | 3,112 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.1180% | 6,477 |
| Return on assets (ROA) | -0.0418% | 6,423 |
| Pretax return on assets | -0.0615% | 6,415 |
| Return on Equity (ROE) | -0.2393% | 6,407 |
| Retained earnings to average equity (ytd only) | -0.2393% | 5,834 |
| Net charge-offs to loans | 0.1070% | 3,888 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -1.9750% | 4,956 |
| Efficiency ratio | 105.8562% | 578 |
| Assets per employee ($millions) | 3.3081% | 5,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7494% | 7,004 |
| Loan loss allowance to noncurrent loans | 47.7312% | 5,131 |
| Noncurrent assets plus other real estate owned to assets | 1.7180% | 3,678 |
| Noncurrent loans to loans | 1.5700% | 4,122 |
| Net loans and leases to total assets | 82.6683% | 296 |
| Net loans and leases to deposits | 106.8691% | 232 |
| Net loans and leases to core deposits | 117.9981% | 474 |
| Total domestic deposits to total assets | 77.3548% | 6,476 |
| Equity capital to assets | 17.7734% | 381 |
| Core capital (leverage) ratio | 18.0947% | 329 |
| Tier 1 risk-based capital ratio | 28.0710% | 628 |
| Total risk-based capital ratio | 29.0393% | 632 |
| Memoranda: | ||
| Average total assets | $181,975,500 | 3,366 |
| Average earning assets | $167,846,000 | 3,331 |
| Average equity | $31,759,500 | 2,063 |
| Average total loans | $149,499,500 | 2,720 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9064% | 5,005 |
| Cost of funding earning assets | 2.0037% | 603 |
| Net interest margin | 2.9027% | 6,888 |
| Noninterest income to average assets | 0.2904% | 5,709 |
| Noninterest expense to average assets | 2.9347% | 4,090 |
| Loan and lease loss provision to assets | 0.1146% | 6,012 |
| Net operating income to assets | -0.0505% | 5,931 |
| Return on assets (ROA) | 0.1098% | 5,709 |
| Pretax return on assets | 0.1588% | 5,576 |
| Return on Equity (ROE) | 0.6531% | 5,798 |
| Retained earnings to average equity (ytd only) | 0.6531% | 5,247 |
| Net charge-offs to loans | 0.6890% | 2,943 |
| Credit loss provision to net charge-offs | 20.4762% | 6,555 |
| Earnings coverage of net charge-offs (x) | 0.0733% | 6,046 |
| Efficiency ratio | 98.6213% | 848 |
| Assets per employee ($millions) | 3.3092% | 5,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7689% | 7,030 |
| Loan loss allowance to noncurrent loans | 45.2055% | 5,312 |
| Noncurrent assets plus other real estate owned to assets | 1.8984% | 3,481 |
| Noncurrent loans to loans | 1.7010% | 3,957 |
| Net loans and leases to total assets | 80.4326% | 608 |
| Net loans and leases to deposits | 102.6571% | 459 |
| Net loans and leases to core deposits | 114.5083% | 696 |
| Total domestic deposits to total assets | 78.3507% | 6,245 |
| Equity capital to assets | 17.1434% | 443 |
| Core capital (leverage) ratio | 17.4532% | 363 |
| Tier 1 risk-based capital ratio | 27.5553% | 643 |
| Total risk-based capital ratio | 28.5393% | 645 |
| Memoranda: | ||
| Average total assets | $187,684,400 | 3,258 |
| Average earning assets | $173,629,600 | 3,213 |
| Average equity | $31,540,000 | 2,079 |
| Average total loans | $152,394,600 | 2,729 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9701% | 4,948 |
| Cost of funding earning assets | 2.0422% | 657 |
| Net interest margin | 2.9279% | 6,963 |
| Noninterest income to average assets | 0.3088% | 5,681 |
| Noninterest expense to average assets | 2.8440% | 4,302 |
| Loan and lease loss provision to assets | 0.0956% | 6,068 |
| Net operating income to assets | 0.0549% | 5,875 |
| Return on assets (ROA) | 0.1565% | 5,780 |
| Pretax return on assets | 0.2273% | 5,669 |
| Return on Equity (ROE) | 0.9359% | 5,907 |
| Retained earnings to average equity (ytd only) | 0.9359% | 5,432 |
| Net charge-offs to loans | 0.8631% | 2,287 |
| Credit loss provision to net charge-offs | 13.6364% | 6,305 |
| Earnings coverage of net charge-offs (x) | 0.2505% | 5,764 |
| Efficiency ratio | 94.1839% | 993 |
| Assets per employee ($millions) | 3.3385% | 5,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7383% | 7,132 |
| Loan loss allowance to noncurrent loans | 58.1455% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 1.7946% | 3,755 |
| Noncurrent loans to loans | 1.2698% | 4,734 |
| Net loans and leases to total assets | 81.6185% | 547 |
| Net loans and leases to deposits | 104.0739% | 425 |
| Net loans and leases to core deposits | 115.3286% | 774 |
| Total domestic deposits to total assets | 78.4236% | 6,162 |
| Equity capital to assets | 16.9063% | 525 |
| Core capital (leverage) ratio | 17.3080% | 400 |
| Tier 1 risk-based capital ratio | 27.0556% | 687 |
| Total risk-based capital ratio | 28.0046% | 694 |
| Memoranda: | ||
| Average total assets | $188,277,250 | 3,297 |
| Average earning assets | $174,317,500 | 3,245 |
| Average equity | $31,482,750 | 2,098 |
| Average total loans | $152,941,500 | 2,763 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0388% | 4,752 |
| Cost of funding earning assets | 2.0821% | 707 |
| Net interest margin | 2.9567% | 6,925 |
| Noninterest income to average assets | 0.2639% | 6,028 |
| Noninterest expense to average assets | 2.8233% | 4,380 |
| Loan and lease loss provision to assets | 0.0954% | 5,959 |
| Net operating income to assets | 0.0589% | 5,974 |
| Return on assets (ROA) | 0.1410% | 5,862 |
| Pretax return on assets | 0.1982% | 5,773 |
| Return on Equity (ROE) | 0.8460% | 5,992 |
| Retained earnings to average equity (ytd only) | 0.8460% | 5,428 |
| Net charge-offs to loans | 1.0597% | 1,773 |
| Credit loss provision to net charge-offs | 11.1248% | 5,933 |
| Earnings coverage of net charge-offs (x) | 0.2077% | 5,516 |
| Efficiency ratio | 94.0678% | 1,066 |
| Assets per employee ($millions) | 3.3470% | 5,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8437% | 6,928 |
| Loan loss allowance to noncurrent loans | 48.1608% | 5,083 |
| Noncurrent assets plus other real estate owned to assets | 2.2035% | 3,257 |
| Noncurrent loans to loans | 1.7518% | 4,056 |
| Net loans and leases to total assets | 79.6336% | 856 |
| Net loans and leases to deposits | 102.1182% | 587 |
| Net loans and leases to core deposits | 112.6977% | 995 |
| Total domestic deposits to total assets | 77.9818% | 6,270 |
| Equity capital to assets | 16.8163% | 559 |
| Core capital (leverage) ratio | 17.2170% | 419 |
| Tier 1 risk-based capital ratio | 27.0184% | 694 |
| Total risk-based capital ratio | 28.0818% | 699 |
| Memoranda: | ||
| Average total assets | $188,718,330 | 3,325 |
| Average earning assets | $174,724,330 | 3,262 |
| Average equity | $31,441,330 | 2,099 |
| Average total loans | $152,680,670 | 2,787 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0579% | 4,744 |
| Cost of funding earning assets | 2.1419% | 706 |
| Net interest margin | 2.9160% | 6,992 |
| Noninterest income to average assets | 0.2662% | 6,025 |
| Noninterest expense to average assets | 2.8284% | 4,378 |
| Loan and lease loss provision to assets | 0.1056% | 5,568 |
| Net operating income to assets | 0.0202% | 6,235 |
| Return on assets (ROA) | 0.0697% | 6,211 |
| Pretax return on assets | 0.1035% | 6,122 |
| Return on Equity (ROE) | 0.4203% | 6,299 |
| Retained earnings to average equity (ytd only) | 0.4203% | 5,666 |
| Net charge-offs to loans | 2.0734% | 822 |
| Credit loss provision to net charge-offs | 6.2735% | 5,088 |
| Earnings coverage of net charge-offs (x) | 0.0803% | 4,963 |
| Efficiency ratio | 95.4383% | 1,058 |
| Assets per employee ($millions) | 3.3639% | 5,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8174% | 7,084 |
| Loan loss allowance to noncurrent loans | 39.7633% | 5,714 |
| Noncurrent assets plus other real estate owned to assets | 2.5258% | 2,880 |
| Noncurrent loans to loans | 2.0556% | 3,714 |
| Net loans and leases to total assets | 80.0691% | 839 |
| Net loans and leases to deposits | 103.8216% | 539 |
| Net loans and leases to core deposits | 114.0939% | 1,037 |
| Total domestic deposits to total assets | 77.1218% | 6,531 |
| Equity capital to assets | 16.6789% | 569 |
| Core capital (leverage) ratio | 17.0775% | 452 |
| Tier 1 risk-based capital ratio | 26.6537% | 731 |
| Total risk-based capital ratio | 27.6836% | 731 |
| Memoranda: | ||
| Average total assets | $189,362,000 | 3,372 |
| Average earning assets | $175,172,500 | 3,319 |
| Average equity | $31,402,500 | 2,118 |
| Average total loans | $153,757,000 | 2,838 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4969% | 4,160 |
| Cost of funding earning assets | 2.5441% | 907 |
| Net interest margin | 2.9528% | 6,746 |
| Noninterest income to average assets | 0.4136% | 5,091 |
| Noninterest expense to average assets | 2.8544% | 4,729 |
| Loan and lease loss provision to assets | 0.4629% | 4,054 |
| Net operating income to assets | -0.1487% | 5,763 |
| Return on assets (ROA) | 0.0056% | 5,518 |
| Pretax return on assets | 0.0061% | 5,430 |
| Return on Equity (ROE) | 0.0350% | 5,527 |
| Retained earnings to average equity (ytd only) | 0.0350% | 4,889 |
| Net charge-offs to loans | 0.4407% | 4,037 |
| Credit loss provision to net charge-offs | 126.3523% | 4,124 |
| Earnings coverage of net charge-offs (x) | 0.8225% | 5,290 |
| Efficiency ratio | 90.4524% | 1,672 |
| Assets per employee ($millions) | 3.2819% | 5,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2802% | 4,872 |
| Loan loss allowance to noncurrent loans | 40.0483% | 5,740 |
| Noncurrent assets plus other real estate owned to assets | 3.1301% | 2,206 |
| Noncurrent loans to loans | 3.1967% | 2,390 |
| Net loans and leases to total assets | 80.6155% | 892 |
| Net loans and leases to deposits | 104.1589% | 640 |
| Net loans and leases to core deposits | 151.8736% | 464 |
| Total domestic deposits to total assets | 77.3967% | 6,368 |
| Equity capital to assets | 16.4887% | 620 |
| Core capital (leverage) ratio | 16.8833% | 508 |
| Tier 1 risk-based capital ratio | 26.2304% | 746 |
| Total risk-based capital ratio | 27.4800% | 732 |
| Memoranda: | ||
| Average total assets | $196,818,200 | 3,219 |
| Average earning assets | $182,774,200 | 3,187 |
| Average equity | $31,415,000 | 2,131 |
| Average total loans | $163,620,800 | 2,708 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5713% | 4,026 |
| Cost of funding earning assets | 2.6032% | 1,024 |
| Net interest margin | 2.9681% | 6,693 |
| Noninterest income to average assets | 0.4340% | 5,006 |
| Noninterest expense to average assets | 2.8354% | 4,740 |
| Loan and lease loss provision to assets | 0.3111% | 4,484 |
| Net operating income to assets | 0.0319% | 5,649 |
| Return on assets (ROA) | 0.1760% | 5,303 |
| Pretax return on assets | 0.2694% | 5,138 |
| Return on Equity (ROE) | 1.1117% | 5,460 |
| Retained earnings to average equity (ytd only) | 1.1117% | 4,700 |
| Net charge-offs to loans | 0.4628% | 3,374 |
| Credit loss provision to net charge-offs | 80.5217% | 5,749 |
| Earnings coverage of net charge-offs (x) | 0.9287% | 5,128 |
| Efficiency ratio | 88.7674% | 1,797 |
| Assets per employee ($millions) | 3.4251% | 5,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0610% | 5,958 |
| Loan loss allowance to noncurrent loans | 32.2260% | 6,290 |
| Noncurrent assets plus other real estate owned to assets | 3.6678% | 1,786 |
| Noncurrent loans to loans | 3.2925% | 2,294 |
| Net loans and leases to total assets | 82.0625% | 802 |
| Net loans and leases to deposits | 106.9061% | 614 |
| Net loans and leases to core deposits | 158.1878% | 413 |
| Total domestic deposits to total assets | 76.7613% | 6,406 |
| Equity capital to assets | 16.4339% | 718 |
| Core capital (leverage) ratio | 16.8859% | 566 |
| Tier 1 risk-based capital ratio | 26.2691% | 805 |
| Total risk-based capital ratio | 27.5190% | 785 |
| Memoranda: | ||
| Average total assets | $198,435,750 | 3,216 |
| Average earning assets | $184,536,750 | 3,186 |
| Average equity | $31,422,250 | 2,149 |
| Average total loans | $165,666,000 | 2,704 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6278% | 3,926 |
| Cost of funding earning assets | 2.6458% | 1,169 |
| Net interest margin | 2.9820% | 6,606 |
| Noninterest income to average assets | 0.4117% | 5,189 |
| Noninterest expense to average assets | 2.8498% | 4,741 |
| Loan and lease loss provision to assets | 0.2442% | 4,628 |
| Net operating income to assets | 0.0622% | 5,674 |
| Return on assets (ROA) | 0.2332% | 5,236 |
| Pretax return on assets | 0.3568% | 5,054 |
| Return on Equity (ROE) | 1.4910% | 5,462 |
| Retained earnings to average equity (ytd only) | 1.4910% | 4,494 |
| Net charge-offs to loans | 0.5755% | 2,601 |
| Credit loss provision to net charge-offs | 50.7246% | 5,755 |
| Earnings coverage of net charge-offs (x) | 0.7019% | 5,016 |
| Efficiency ratio | 89.3996% | 1,871 |
| Assets per employee ($millions) | 3.5223% | 4,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9617% | 6,494 |
| Loan loss allowance to noncurrent loans | 31.8841% | 6,342 |
| Noncurrent assets plus other real estate owned to assets | 3.3395% | 1,867 |
| Noncurrent loans to loans | 3.0163% | 2,389 |
| Net loans and leases to total assets | 81.5486% | 1,041 |
| Net loans and leases to deposits | 107.3979% | 687 |
| Net loans and leases to core deposits | 146.4137% | 740 |
| Total domestic deposits to total assets | 75.9313% | 6,567 |
| Equity capital to assets | 15.9662% | 831 |
| Core capital (leverage) ratio | 16.4057% | 691 |
| Tier 1 risk-based capital ratio | 25.0492% | 934 |
| Total risk-based capital ratio | 26.2583% | 922 |
| Memoranda: | ||
| Average total assets | $200,646,000 | 3,215 |
| Average earning assets | $186,786,670 | 3,185 |
| Average equity | $31,389,330 | 2,154 |
| Average total loans | $167,858,670 | 2,708 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6535% | 4,028 |
| Cost of funding earning assets | 2.7049% | 1,259 |
| Net interest margin | 2.9486% | 6,618 |
| Noninterest income to average assets | 0.3499% | 5,647 |
| Noninterest expense to average assets | 2.7339% | 4,851 |
| Loan and lease loss provision to assets | 0.1186% | 5,449 |
| Net operating income to assets | 0.1626% | 5,778 |
| Return on assets (ROA) | 0.3104% | 5,435 |
| Pretax return on assets | 0.4744% | 5,156 |
| Return on Equity (ROE) | 2.0040% | 5,772 |
| Retained earnings to average equity (ytd only) | 2.0040% | 4,745 |
| Net charge-offs to loans | 0.3986% | 2,499 |
| Credit loss provision to net charge-offs | 35.2941% | 4,883 |
| Earnings coverage of net charge-offs (x) | 1.0882% | 4,214 |
| Efficiency ratio | 88.2015% | 1,878 |
| Assets per employee ($millions) | 3.6282% | 4,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0022% | 6,158 |
| Loan loss allowance to noncurrent loans | 33.5384% | 6,296 |
| Noncurrent assets plus other real estate owned to assets | 3.1425% | 1,787 |
| Noncurrent loans to loans | 2.9881% | 2,186 |
| Net loans and leases to total assets | 82.1655% | 990 |
| Net loans and leases to deposits | 108.9493% | 671 |
| Net loans and leases to core deposits | 149.4887% | 726 |
| Total domestic deposits to total assets | 75.4163% | 6,621 |
| Equity capital to assets | 15.4622% | 973 |
| Core capital (leverage) ratio | 15.8889% | 798 |
| Tier 1 risk-based capital ratio | 24.6825% | 1,008 |
| Total risk-based capital ratio | 25.9326% | 990 |
| Memoranda: | ||
| Average total assets | $202,345,000 | 3,214 |
| Average earning assets | $188,697,000 | 3,172 |
| Average equity | $31,337,500 | 2,164 |
| Average total loans | $170,580,500 | 2,691 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3588% | 3,649 |
| Cost of funding earning assets | 3.1749% | 1,270 |
| Net interest margin | 3.1838% | 6,411 |
| Noninterest income to average assets | 0.3070% | 6,252 |
| Noninterest expense to average assets | 2.6905% | 5,308 |
| Loan and lease loss provision to assets | 0.4095% | 3,236 |
| Net operating income to assets | 0.1105% | 6,084 |
| Return on assets (ROA) | 0.1300% | 5,867 |
| Pretax return on assets | 0.2153% | 5,698 |
| Return on Equity (ROE) | 0.8344% | 5,964 |
| Retained earnings to average equity (ytd only) | 0.8344% | 4,724 |
| Net charge-offs to loans | 0.2334% | 3,915 |
| Credit loss provision to net charge-offs | 205.1597% | 2,367 |
| Earnings coverage of net charge-offs (x) | 2.9779% | 4,600 |
| Efficiency ratio | 81.9050% | 2,312 |
| Assets per employee ($millions) | 3.7317% | 4,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0416% | 5,703 |
| Loan loss allowance to noncurrent loans | 36.5988% | 6,281 |
| Noncurrent assets plus other real estate owned to assets | 2.6108% | 1,835 |
| Noncurrent loans to loans | 2.8459% | 1,903 |
| Net loans and leases to total assets | 84.7254% | 780 |
| Net loans and leases to deposits | 112.3726% | 687 |
| Net loans and leases to core deposits | 158.3482% | 611 |
| Total domestic deposits to total assets | 75.3969% | 6,372 |
| Equity capital to assets | 15.5123% | 1,042 |
| Core capital (leverage) ratio | 15.9426% | 839 |
| Tier 1 risk-based capital ratio | 24.7212% | 1,010 |
| Total risk-based capital ratio | 25.9702% | 987 |
| Memoranda: | ||
| Average total assets | $203,900,000 | 3,090 |
| Average earning assets | $190,712,600 | 3,028 |
| Average equity | $31,761,200 | 2,129 |
| Average total loans | $174,366,600 | 2,564 |