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 | 4.6896% | 2,707 |
| Cost of funding earning assets | 1.8245% | 1,209 |
| Net interest margin | 2.8650% | 3,550 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 2.5831% | 2,061 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.2943% | 4,037 |
| Return on assets (ROA) | 0.2965% | 4,028 |
| Pretax return on assets | 0.3500% | 4,038 |
| Return on Equity (ROE) | 3.1700% | 3,995 |
| Retained earnings to average equity (ytd only) | 3.1683% | 3,224 |
| Net charge-offs to loans | -0.0003% | 3,536 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 88.2124% | 479 |
| Assets per employee ($millions) | 6.3228% | 2,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4884% | 4,342 |
| Loan loss allowance to noncurrent loans | 178.2130% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 0.3729% | 1,478 |
| Noncurrent loans to loans | 0.2741% | 2,203 |
| Net loans and leases to total assets | 82.3100% | 402 |
| Net loans and leases to deposits | 134.8041% | 34 |
| Net loans and leases to core deposits | 167.5298% | 128 |
| Total domestic deposits to total assets | 61.0600% | 4,428 |
| Equity capital to assets | 9.2009% | 2,544 |
| Core capital (leverage) ratio | 9.6241% | 3,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.6415% | 145 |
| Memoranda: | ||
| Average total assets | $351,124,400 | 2,193 |
| Average earning assets | $328,793,800 | 2,181 |
| Average equity | $32,857,200 | 2,149 |
| Average total loans | $286,163,400 | 1,843 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6426% | 2,581 |
| Cost of funding earning assets | 1.7026% | 1,181 |
| Net interest margin | 2.9400% | 3,455 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 2.3825% | 2,572 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4431% | 3,884 |
| Return on assets (ROA) | 0.4434% | 3,884 |
| Pretax return on assets | 0.5317% | 3,858 |
| Return on Equity (ROE) | 4.7200% | 3,863 |
| Retained earnings to average equity (ytd only) | 4.7180% | 3,037 |
| Net charge-offs to loans | -0.0080% | 3,871 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 81.7657% | 744 |
| Assets per employee ($millions) | 6.2551% | 2,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5052% | 4,345 |
| Loan loss allowance to noncurrent loans | 195.2255% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 0.3021% | 1,803 |
| Noncurrent loans to loans | 0.2588% | 2,309 |
| Net loans and leases to total assets | 81.3100% | 495 |
| Net loans and leases to deposits | 128.4632% | 46 |
| Net loans and leases to core deposits | 157.4787% | 119 |
| Total domestic deposits to total assets | 63.2900% | 4,438 |
| Equity capital to assets | 9.2579% | 2,252 |
| Core capital (leverage) ratio | 9.6758% | 3,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $348,805,250 | 2,207 |
| Average earning assets | $326,390,250 | 2,197 |
| Average equity | $32,781,500 | 2,138 |
| Average total loans | $283,177,750 | 1,859 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5685% | 2,484 |
| Cost of funding earning assets | 1.5588% | 1,146 |
| Net interest margin | 3.0097% | 3,405 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 2.4140% | 2,436 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4705% | 3,873 |
| Return on assets (ROA) | 0.4719% | 3,872 |
| Pretax return on assets | 0.5597% | 3,871 |
| Return on Equity (ROE) | 5.0000% | 3,875 |
| Retained earnings to average equity (ytd only) | 4.9960% | 2,939 |
| Net charge-offs to loans | -0.0007% | 3,415 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 81.2245% | 766 |
| Assets per employee ($millions) | 6.0428% | 2,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5094% | 4,372 |
| Loan loss allowance to noncurrent loans | 193.3599% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 0.2753% | 1,826 |
| Noncurrent loans to loans | 0.2634% | 2,216 |
| Net loans and leases to total assets | 81.1400% | 502 |
| Net loans and leases to deposits | 129.4583% | 55 |
| Net loans and leases to core deposits | 151.8149% | 135 |
| Total domestic deposits to total assets | 62.6700% | 4,466 |
| Equity capital to assets | 9.3766% | 2,248 |
| Core capital (leverage) ratio | 9.7526% | 3,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.7894% | 136 |
| Memoranda: | ||
| Average total assets | $346,227,333 | 2,216 |
| Average earning assets | $324,086,000 | 2,210 |
| Average equity | $32,706,000 | 2,153 |
| Average total loans | $280,449,667 | 1,865 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5072% | 2,301 |
| Cost of funding earning assets | 1.3566% | 1,120 |
| Net interest margin | 3.1506% | 3,232 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 2.1959% | 3,111 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7012% | 3,462 |
| Return on assets (ROA) | 0.6975% | 3,422 |
| Pretax return on assets | 0.8672% | 3,312 |
| Return on Equity (ROE) | 7.3600% | 3,444 |
| Retained earnings to average equity (ytd only) | 7.3558% | 2,406 |
| Net charge-offs to loans | -0.0014% | 3,367 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.5801% | 1,571 |
| Assets per employee ($millions) | 6.4108% | 2,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5207% | 4,423 |
| Loan loss allowance to noncurrent loans | 269.6296% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 0.2172% | 2,048 |
| Noncurrent loans to loans | 0.1931% | 2,507 |
| Net loans and leases to total assets | 80.3600% | 505 |
| Net loans and leases to deposits | 126.1971% | 55 |
| Net loans and leases to core deposits | 147.0619% | 137 |
| Total domestic deposits to total assets | 63.6800% | 4,514 |
| Equity capital to assets | 9.4973% | 2,147 |
| Core capital (leverage) ratio | 9.8568% | 2,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.4523% | 138 |
| Memoranda: | ||
| Average total assets | $344,101,000 | 2,258 |
| Average earning assets | $321,973,000 | 2,246 |
| Average equity | $32,627,500 | 2,177 |
| Average total loans | $277,760,500 | 1,891 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0874% | 1,503 |
| Cost of funding earning assets | 0.9896% | 169 |
| Net interest margin | 3.0978% | 3,177 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 2.5762% | 1,890 |
| Loan and lease loss provision to assets | -0.0100% | 4,279 |
| Net operating income to assets | 0.4865% | 4,104 |
| Return on assets (ROA) | 0.4855% | 4,069 |
| Pretax return on assets | 0.5925% | 4,039 |
| Return on Equity (ROE) | 5.0300% | 4,019 |
| Retained earnings to average equity (ytd only) | 5.0315% | 3,038 |
| Net charge-offs to loans | 0.0122% | 1,928 |
| Credit loss provision to net charge-offs | -93.7500% | 4,577 |
| Earnings coverage of net charge-offs (x) | 61.1875% | 1,242 |
| Efficiency ratio | 81.5021% | 622 |
| Assets per employee ($millions) | 6.0004% | 2,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4049% | 4,495 |
| Loan loss allowance to noncurrent loans | 231.2629% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 0.2769% | 1,771 |
| Noncurrent loans to loans | 0.1751% | 2,607 |
| Net loans and leases to total assets | 80.3300% | 557 |
| Net loans and leases to deposits | 124.2449% | 60 |
| Net loans and leases to core deposits | 143.0981% | 124 |
| Total domestic deposits to total assets | 64.6600% | 4,542 |
| Equity capital to assets | 9.4664% | 2,037 |
| Core capital (leverage) ratio | 9.8129% | 2,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.7729% | 138 |
| Memoranda: | ||
| Average total assets | $334,879,200 | 2,278 |
| Average earning assets | $310,543,400 | 2,280 |
| Average equity | $32,316,400 | 2,228 |
| Average total loans | $261,381,200 | 1,890 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9873% | 1,288 |
| Cost of funding earning assets | 0.9745% | 69 |
| Net interest margin | 3.0128% | 3,188 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 2.3480% | 2,481 |
| Loan and lease loss provision to assets | -0.0100% | 4,370 |
| Net operating income to assets | 0.6219% | 3,779 |
| Return on assets (ROA) | 0.6248% | 3,720 |
| Pretax return on assets | 0.7645% | 3,664 |
| Return on Equity (ROE) | 6.4400% | 3,701 |
| Retained earnings to average equity (ytd only) | 6.4433% | 2,578 |
| Net charge-offs to loans | 0.0010% | 2,286 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,732 |
| Earnings coverage of net charge-offs (x) | 935.5000% | 166 |
| Efficiency ratio | 75.8175% | 1,095 |
| Assets per employee ($millions) | 6.1528% | 2,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4229% | 4,530 |
| Loan loss allowance to noncurrent loans | 210.4587% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.2812% | 1,830 |
| Noncurrent loans to loans | 0.2009% | 2,600 |
| Net loans and leases to total assets | 78.3800% | 677 |
| Net loans and leases to deposits | 118.4757% | 62 |
| Net loans and leases to core deposits | 132.1857% | 136 |
| Total domestic deposits to total assets | 66.1600% | 4,583 |
| Equity capital to assets | 9.4600% | 1,908 |
| Core capital (leverage) ratio | 9.7763% | 2,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2983% | 619 |
| Memoranda: | ||
| Average total assets | $333,093,750 | 2,306 |
| Average earning assets | $308,100,750 | 2,310 |
| Average equity | $32,301,250 | 2,262 |
| Average total loans | $257,758,750 | 1,905 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8917% | 1,126 |
| Cost of funding earning assets | 0.9981% | 36 |
| Net interest margin | 2.8936% | 3,188 |
| Noninterest income to average assets | 0.3802% | 2,871 |
| Noninterest expense to average assets | 2.3980% | 2,226 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5357% | 3,809 |
| Return on assets (ROA) | 0.5382% | 3,755 |
| Pretax return on assets | 0.6548% | 3,701 |
| Return on Equity (ROE) | 5.5025% | 3,704 |
| Retained earnings to average equity (ytd only) | 5.5025% | 2,509 |
| Net charge-offs to loans | -0.0229% | 3,931 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6298% | 1,044 |
| Assets per employee ($millions) | 5.8940% | 2,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4658% | 4,578 |
| Loan loss allowance to noncurrent loans | 231.4176% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.2703% | 1,960 |
| Noncurrent loans to loans | 0.2013% | 2,704 |
| Net loans and leases to total assets | 75.5076% | 775 |
| Net loans and leases to deposits | 115.2405% | 60 |
| Net loans and leases to core deposits | 127.2473% | 139 |
| Total domestic deposits to total assets | 65.5217% | 4,660 |
| Equity capital to assets | 9.4453% | 2,059 |
| Core capital (leverage) ratio | 9.9232% | 2,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.5000% | 94 |
| Memoranda: | ||
| Average total assets | $329,273,333 | 2,327 |
| Average earning assets | $303,776,000 | 2,355 |
| Average equity | $32,203,333 | 2,308 |
| Average total loans | $253,272,667 | 1,929 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8908% | 939 |
| Cost of funding earning assets | 1.0514% | 29 |
| Net interest margin | 2.8395% | 3,015 |
| Noninterest income to average assets | 0.3133% | 3,221 |
| Noninterest expense to average assets | 2.2044% | 2,829 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5949% | 3,411 |
| Return on assets (ROA) | 0.5969% | 3,386 |
| Pretax return on assets | 0.7270% | 3,314 |
| Return on Equity (ROE) | 5.9949% | 3,347 |
| Retained earnings to average equity (ytd only) | 5.9949% | 2,257 |
| Net charge-offs to loans | -0.0464% | 4,235 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2643% | 1,604 |
| Assets per employee ($millions) | 5.5767% | 3,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4802% | 4,605 |
| Loan loss allowance to noncurrent loans | 157.0871% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 0.3707% | 1,628 |
| Noncurrent loans to loans | 0.3057% | 2,363 |
| Net loans and leases to total assets | 77.4062% | 423 |
| Net loans and leases to deposits | 107.2455% | 88 |
| Net loans and leases to core deposits | 119.9612% | 149 |
| Total domestic deposits to total assets | 72.1766% | 4,618 |
| Equity capital to assets | 9.9706% | 1,912 |
| Core capital (leverage) ratio | 10.0714% | 2,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0316% | 560 |
| Memoranda: | ||
| Average total assets | $322,983,500 | 2,380 |
| Average earning assets | $297,521,500 | 2,402 |
| Average equity | $32,160,500 | 2,381 |
| Average total loans | $250,242,500 | 1,934 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9537% | 1,477 |
| Cost of funding earning assets | 1.2581% | 22 |
| Net interest margin | 2.6955% | 3,881 |
| Noninterest income to average assets | 0.9903% | 1,021 |
| Noninterest expense to average assets | 2.5564% | 2,006 |
| Loan and lease loss provision to assets | 0.0430% | 2,193 |
| Net operating income to assets | 0.7120% | 3,598 |
| Return on assets (ROA) | 0.6966% | 3,692 |
| Pretax return on assets | 0.8452% | 3,636 |
| Return on Equity (ROE) | 7.3443% | 3,423 |
| Retained earnings to average equity (ytd only) | 7.3443% | 1,784 |
| Net charge-offs to loans | 0.0215% | 1,840 |
| Credit loss provision to net charge-offs | 259.2593% | 1,147 |
| Earnings coverage of net charge-offs (x) | 54.7222% | 1,240 |
| Efficiency ratio | 73.8148% | 1,327 |
| Assets per employee ($millions) | 5.5606% | 3,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4737% | 4,647 |
| Loan loss allowance to noncurrent loans | 151.9330% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 0.3674% | 1,752 |
| Noncurrent loans to loans | 0.3118% | 2,473 |
| Net loans and leases to total assets | 76.8108% | 454 |
| Net loans and leases to deposits | 108.8585% | 86 |
| Net loans and leases to core deposits | 122.0847% | 151 |
| Total domestic deposits to total assets | 70.5602% | 4,675 |
| Equity capital to assets | 9.9440% | 2,703 |
| Core capital (leverage) ratio | 9.9069% | 2,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7464% | 575 |
| Memoranda: | ||
| Average total assets | $325,855,000 | 2,315 |
| Average earning assets | $298,938,000 | 2,338 |
| Average equity | $30,908,200 | 2,478 |
| Average total loans | $251,568,800 | 1,919 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9934% | 1,546 |
| Cost of funding earning assets | 1.2918% | 23 |
| Net interest margin | 2.7016% | 3,968 |
| Noninterest income to average assets | 1.0656% | 973 |
| Noninterest expense to average assets | 2.3696% | 2,537 |
| Loan and lease loss provision to assets | 0.0101% | 2,791 |
| Net operating income to assets | 0.9329% | 3,139 |
| Return on assets (ROA) | 0.9113% | 3,282 |
| Pretax return on assets | 1.1350% | 3,122 |
| Return on Equity (ROE) | 9.7240% | 2,836 |
| Retained earnings to average equity (ytd only) | 9.7240% | 1,402 |
| Net charge-offs to loans | 0.0222% | 1,607 |
| Credit loss provision to net charge-offs | 59.5238% | 1,808 |
| Earnings coverage of net charge-offs (x) | 68.3810% | 1,075 |
| Efficiency ratio | 66.9048% | 1,983 |
| Assets per employee ($millions) | 5.4244% | 3,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4338% | 4,754 |
| Loan loss allowance to noncurrent loans | 116.7028% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 0.4246% | 1,763 |
| Noncurrent loans to loans | 0.3717% | 2,449 |
| Net loans and leases to total assets | 75.8752% | 558 |
| Net loans and leases to deposits | 108.3942% | 109 |
| Net loans and leases to core deposits | 122.2370% | 166 |
| Total domestic deposits to total assets | 69.9993% | 4,734 |
| Equity capital to assets | 9.8646% | 3,031 |
| Core capital (leverage) ratio | 9.8826% | 2,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0721% | 595 |
| Memoranda: | ||
| Average total assets | $326,689,750 | 2,337 |
| Average earning assets | $299,421,750 | 2,362 |
| Average equity | $30,617,500 | 2,524 |
| Average total loans | $252,234,500 | 1,946 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0575% | 1,435 |
| Cost of funding earning assets | 1.3238% | 26 |
| Net interest margin | 2.7337% | 3,915 |
| Noninterest income to average assets | 0.2623% | 3,822 |
| Noninterest expense to average assets | 2.4213% | 2,393 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.2939% | 4,533 |
| Return on assets (ROA) | 0.2580% | 4,593 |
| Pretax return on assets | 0.3051% | 4,585 |
| Return on Equity (ROE) | 2.8020% | 4,508 |
| Retained earnings to average equity (ytd only) | 2.8020% | 3,908 |
| Net charge-offs to loans | 0.0331% | 1,322 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 13.5238% | 1,694 |
| Efficiency ratio | 87.4558% | 419 |
| Assets per employee ($millions) | 5.3284% | 3,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4207% | 4,784 |
| Loan loss allowance to noncurrent loans | 158.5219% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 0.4698% | 1,781 |
| Noncurrent loans to loans | 0.2654% | 2,986 |
| Net loans and leases to total assets | 76.5320% | 543 |
| Net loans and leases to deposits | 109.6692% | 115 |
| Net loans and leases to core deposits | 122.8729% | 187 |
| Total domestic deposits to total assets | 69.7844% | 4,761 |
| Equity capital to assets | 9.3332% | 3,480 |
| Core capital (leverage) ratio | 9.4023% | 3,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6873% | 737 |
| Memoranda: | ||
| Average total assets | $327,097,667 | 2,325 |
| Average earning assets | $299,889,333 | 2,351 |
| Average equity | $30,121,333 | 2,543 |
| Average total loans | $253,638,000 | 1,947 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0720% | 1,450 |
| Cost of funding earning assets | 1.3733% | 25 |
| Net interest margin | 2.6987% | 3,971 |
| Noninterest income to average assets | 0.1317% | 4,546 |
| Noninterest expense to average assets | 2.3015% | 2,788 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2724% | 4,557 |
| Return on assets (ROA) | 0.2292% | 4,635 |
| Pretax return on assets | 0.2523% | 4,640 |
| Return on Equity (ROE) | 2.5055% | 4,552 |
| Retained earnings to average equity (ytd only) | 2.5055% | 3,916 |
| Net charge-offs to loans | 0.0344% | 1,136 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 11.1818% | 1,467 |
| Efficiency ratio | 88.4724% | 425 |
| Assets per employee ($millions) | 5.6717% | 2,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4200% | 4,815 |
| Loan loss allowance to noncurrent loans | 90.9168% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 0.5135% | 1,845 |
| Noncurrent loans to loans | 0.4620% | 2,468 |
| Net loans and leases to total assets | 78.5392% | 432 |
| Net loans and leases to deposits | 115.5383% | 96 |
| Net loans and leases to core deposits | 128.9372% | 152 |
| Total domestic deposits to total assets | 67.9768% | 4,805 |
| Equity capital to assets | 9.3205% | 3,367 |
| Core capital (leverage) ratio | 9.1215% | 3,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3411% | 750 |
| Memoranda: | ||
| Average total assets | $328,129,500 | 2,300 |
| Average earning assets | $300,297,500 | 2,327 |
| Average equity | $30,014,000 | 2,543 |
| Average total loans | $255,554,000 | 1,938 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3535% | 1,709 |
| Cost of funding earning assets | 1.5778% | 54 |
| Net interest margin | 2.7756% | 4,290 |
| Noninterest income to average assets | 0.1936% | 4,316 |
| Noninterest expense to average assets | 2.3749% | 3,190 |
| Loan and lease loss provision to assets | 0.0646% | 3,569 |
| Net operating income to assets | 0.2564% | 4,493 |
| Return on assets (ROA) | 0.2634% | 4,550 |
| Pretax return on assets | 0.3058% | 4,535 |
| Return on Equity (ROE) | 2.9370% | 4,400 |
| Retained earnings to average equity (ytd only) | 2.9370% | 3,401 |
| Net charge-offs to loans | 0.0766% | 1,718 |
| Credit loss provision to net charge-offs | 108.1633% | 2,741 |
| Earnings coverage of net charge-offs (x) | 6.0612% | 2,813 |
| Efficiency ratio | 86.7662% | 499 |
| Assets per employee ($millions) | 5.5495% | 2,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4267% | 4,843 |
| Loan loss allowance to noncurrent loans | 81.0230% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 0.6289% | 1,675 |
| Noncurrent loans to loans | 0.5267% | 2,398 |
| Net loans and leases to total assets | 76.5941% | 726 |
| Net loans and leases to deposits | 118.4505% | 84 |
| Net loans and leases to core deposits | 132.7481% | 177 |
| Total domestic deposits to total assets | 64.6634% | 4,870 |
| Equity capital to assets | 8.9785% | 4,076 |
| Core capital (leverage) ratio | 8.9457% | 3,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2995% | 738 |
| Memoranda: | ||
| Average total assets | $327,973,800 | 2,145 |
| Average earning assets | $300,542,800 | 2,175 |
| Average equity | $29,417,600 | 2,507 |
| Average total loans | $255,976,000 | 1,896 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4048% | 1,840 |
| Cost of funding earning assets | 1.6118% | 70 |
| Net interest margin | 2.7930% | 4,348 |
| Noninterest income to average assets | 0.1645% | 4,478 |
| Noninterest expense to average assets | 2.3273% | 3,350 |
| Loan and lease loss provision to assets | 0.0419% | 3,830 |
| Net operating income to assets | 0.3094% | 4,431 |
| Return on assets (ROA) | 0.3183% | 4,466 |
| Pretax return on assets | 0.3652% | 4,468 |
| Return on Equity (ROE) | 3.5496% | 4,281 |
| Retained earnings to average equity (ytd only) | 3.5496% | 3,284 |
| Net charge-offs to loans | 0.0688% | 1,633 |
| Credit loss provision to net charge-offs | 78.0303% | 2,773 |
| Earnings coverage of net charge-offs (x) | 7.3712% | 2,580 |
| Efficiency ratio | 85.4254% | 535 |
| Assets per employee ($millions) | 5.6280% | 2,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3993% | 4,883 |
| Loan loss allowance to noncurrent loans | 87.9195% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 0.5020% | 2,199 |
| Noncurrent loans to loans | 0.4542% | 2,687 |
| Net loans and leases to total assets | 77.4098% | 912 |
| Net loans and leases to deposits | 122.9509% | 90 |
| Net loans and leases to core deposits | 139.0404% | 171 |
| Total domestic deposits to total assets | 62.9600% | 4,902 |
| Equity capital to assets | 8.8324% | 4,230 |
| Core capital (leverage) ratio | 8.8520% | 3,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9107% | 794 |
| Memoranda: | ||
| Average total assets | $326,724,250 | 2,133 |
| Average earning assets | $299,451,500 | 2,159 |
| Average equity | $29,298,000 | 2,512 |
| Average total loans | $255,937,500 | 1,888 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4744% | 1,992 |
| Cost of funding earning assets | 1.6521% | 91 |
| Net interest margin | 2.8223% | 4,414 |
| Noninterest income to average assets | 0.1541% | 4,527 |
| Noninterest expense to average assets | 2.3549% | 3,386 |
| Loan and lease loss provision to assets | 0.0365% | 3,814 |
| Net operating income to assets | 0.3132% | 4,395 |
| Return on assets (ROA) | 0.3182% | 4,436 |
| Pretax return on assets | 0.3529% | 4,466 |
| Return on Equity (ROE) | 3.5299% | 4,233 |
| Retained earnings to average equity (ytd only) | 3.5299% | 3,160 |
| Net charge-offs to loans | 0.1088% | 1,206 |
| Credit loss provision to net charge-offs | 42.7536% | 2,660 |
| Earnings coverage of net charge-offs (x) | 4.4928% | 2,595 |
| Efficiency ratio | 85.9855% | 535 |
| Assets per employee ($millions) | 5.5819% | 2,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3916% | 4,911 |
| Loan loss allowance to noncurrent loans | 77.0062% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 0.5551% | 2,147 |
| Noncurrent loans to loans | 0.5086% | 2,624 |
| Net loans and leases to total assets | 75.7893% | 1,166 |
| Net loans and leases to deposits | 123.9448% | 74 |
| Net loans and leases to core deposits | 140.9120% | 159 |
| Total domestic deposits to total assets | 61.1476% | 4,955 |
| Equity capital to assets | 8.8163% | 4,247 |
| Core capital (leverage) ratio | 8.9494% | 3,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0510% | 770 |
| Memoranda: | ||
| Average total assets | $323,073,000 | 2,130 |
| Average earning assets | $295,860,333 | 2,152 |
| Average equity | $29,122,333 | 2,514 |
| Average total loans | $253,768,667 | 1,875 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5634% | 2,121 |
| Cost of funding earning assets | 1.6872% | 139 |
| Net interest margin | 2.8761% | 4,470 |
| Noninterest income to average assets | 0.1690% | 4,523 |
| Noninterest expense to average assets | 2.3484% | 3,661 |
| Loan and lease loss provision to assets | 0.0416% | 3,254 |
| Net operating income to assets | 0.3902% | 4,157 |
| Return on assets (ROA) | 0.3468% | 4,280 |
| Pretax return on assets | 0.3746% | 4,341 |
| Return on Equity (ROE) | 3.8036% | 4,000 |
| Retained earnings to average equity (ytd only) | 3.8036% | 2,753 |
| Net charge-offs to loans | 0.2211% | 638 |
| Credit loss provision to net charge-offs | 23.5714% | 2,185 |
| Earnings coverage of net charge-offs (x) | 2.6214% | 2,268 |
| Efficiency ratio | 83.5352% | 859 |
| Assets per employee ($millions) | 5.3986% | 2,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3827% | 4,957 |
| Loan loss allowance to noncurrent loans | 82.9060% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 0.7357% | 1,830 |
| Noncurrent loans to loans | 0.4616% | 2,872 |
| Net loans and leases to total assets | 77.9559% | 991 |
| Net loans and leases to deposits | 129.8691% | 38 |
| Net loans and leases to core deposits | 149.1685% | 118 |
| Total domestic deposits to total assets | 60.0266% | 5,022 |
| Equity capital to assets | 8.9360% | 4,635 |
| Core capital (leverage) ratio | 9.3674% | 4,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2088% | 837 |
| Memoranda: | ||
| Average total assets | $317,152,500 | 2,112 |
| Average earning assets | $291,364,000 | 2,125 |
| Average equity | $28,920,000 | 2,521 |
| Average total loans | $253,239,500 | 1,840 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7566% | 2,180 |
| Cost of funding earning assets | 1.6758% | 212 |
| Net interest margin | 3.0808% | 4,395 |
| Noninterest income to average assets | 0.1753% | 4,610 |
| Noninterest expense to average assets | 2.5722% | 3,253 |
| Loan and lease loss provision to assets | 0.1068% | 1,948 |
| Net operating income to assets | 0.2926% | 4,756 |
| Return on assets (ROA) | 0.3238% | 4,742 |
| Pretax return on assets | 0.3866% | 4,733 |
| Return on Equity (ROE) | 3.5127% | 4,573 |
| Retained earnings to average equity (ytd only) | 3.5127% | 3,251 |
| Net charge-offs to loans | 0.0715% | 2,073 |
| Credit loss provision to net charge-offs | 184.3575% | 1,431 |
| Earnings coverage of net charge-offs (x) | 7.8771% | 2,832 |
| Efficiency ratio | 84.9375% | 607 |
| Assets per employee ($millions) | 4.8498% | 2,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4257% | 4,966 |
| Loan loss allowance to noncurrent loans | 89.2295% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 0.7745% | 1,668 |
| Noncurrent loans to loans | 0.4771% | 2,758 |
| Net loans and leases to total assets | 81.1627% | 651 |
| Net loans and leases to deposits | 132.0168% | 37 |
| Net loans and leases to core deposits | 152.0445% | 109 |
| Total domestic deposits to total assets | 61.4791% | 5,075 |
| Equity capital to assets | 9.3093% | 4,485 |
| Core capital (leverage) ratio | 9.3568% | 4,215 |
| Tier 1 risk-based capital ratio | 19.3206% | 1,456 |
| Total risk-based capital ratio | 20.0398% | 1,534 |
| Memoranda: | ||
| Average total assets | $309,109,000 | 2,111 |
| Average earning assets | $286,256,400 | 2,109 |
| Average equity | $28,496,800 | 2,473 |
| Average total loans | $250,269,600 | 1,828 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7691% | 2,221 |
| Cost of funding earning assets | 1.6618% | 233 |
| Net interest margin | 3.1073% | 4,464 |
| Noninterest income to average assets | 0.1585% | 4,756 |
| Noninterest expense to average assets | 2.4370% | 3,594 |
| Loan and lease loss provision to assets | 0.1123% | 1,743 |
| Net operating income to assets | 0.4119% | 4,700 |
| Return on assets (ROA) | 0.4547% | 4,650 |
| Pretax return on assets | 0.5384% | 4,638 |
| Return on Equity (ROE) | 4.9440% | 4,342 |
| Retained earnings to average equity (ytd only) | 4.9440% | 2,916 |
| Net charge-offs to loans | 0.0962% | 1,513 |
| Credit loss provision to net charge-offs | 144.4444% | 1,683 |
| Earnings coverage of net charge-offs (x) | 7.7168% | 2,721 |
| Efficiency ratio | 80.2502% | 903 |
| Assets per employee ($millions) | 5.3677% | 2,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3993% | 5,063 |
| Loan loss allowance to noncurrent loans | 84.4668% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 0.7031% | 1,944 |
| Noncurrent loans to loans | 0.4727% | 2,881 |
| Net loans and leases to total assets | 80.6083% | 762 |
| Net loans and leases to deposits | 133.4778% | 36 |
| Net loans and leases to core deposits | 155.4135% | 103 |
| Total domestic deposits to total assets | 60.3908% | 5,161 |
| Equity capital to assets | 9.3056% | 4,594 |
| Core capital (leverage) ratio | 9.3974% | 4,280 |
| Tier 1 risk-based capital ratio | 19.4597% | 1,466 |
| Total risk-based capital ratio | 20.1351% | 1,557 |
| Memoranda: | ||
| Average total assets | $308,788,750 | 2,125 |
| Average earning assets | $286,028,750 | 2,125 |
| Average equity | $28,397,250 | 2,493 |
| Average total loans | $249,587,500 | 1,841 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7574% | 2,201 |
| Cost of funding earning assets | 1.6475% | 232 |
| Net interest margin | 3.1099% | 4,514 |
| Noninterest income to average assets | 0.1468% | 4,838 |
| Noninterest expense to average assets | 2.4485% | 3,616 |
| Loan and lease loss provision to assets | 0.0799% | 2,234 |
| Net operating income to assets | 0.4191% | 4,701 |
| Return on assets (ROA) | 0.4676% | 4,630 |
| Pretax return on assets | 0.5585% | 4,614 |
| Return on Equity (ROE) | 5.1053% | 4,321 |
| Retained earnings to average equity (ytd only) | 5.1053% | 2,717 |
| Net charge-offs to loans | 0.0330% | 2,205 |
| Credit loss provision to net charge-offs | 300.0000% | 895 |
| Earnings coverage of net charge-offs (x) | 21.8049% | 1,720 |
| Efficiency ratio | 80.8319% | 895 |
| Assets per employee ($millions) | 5.3124% | 2,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4020% | 5,105 |
| Loan loss allowance to noncurrent loans | 50.6533% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 0.9565% | 1,457 |
| Noncurrent loans to loans | 0.7936% | 2,008 |
| Net loans and leases to total assets | 81.0572% | 724 |
| Net loans and leases to deposits | 132.5410% | 36 |
| Net loans and leases to core deposits | 155.9170% | 104 |
| Total domestic deposits to total assets | 61.1563% | 5,201 |
| Equity capital to assets | 9.2845% | 4,588 |
| Core capital (leverage) ratio | 9.2864% | 4,368 |
| Tier 1 risk-based capital ratio | 19.3082% | 1,481 |
| Total risk-based capital ratio | 19.9875% | 1,577 |
| Memoranda: | ||
| Average total assets | $307,942,000 | 2,132 |
| Average earning assets | $285,408,330 | 2,132 |
| Average equity | $28,206,000 | 2,499 |
| Average total loans | $248,795,670 | 1,853 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7308% | 2,113 |
| Cost of funding earning assets | 1.6148% | 214 |
| Net interest margin | 3.1160% | 4,563 |
| Noninterest income to average assets | 0.1559% | 4,805 |
| Noninterest expense to average assets | 2.3011% | 4,017 |
| Loan and lease loss provision to assets | 0.0845% | 2,010 |
| Net operating income to assets | 0.5475% | 4,387 |
| Return on assets (ROA) | 0.5626% | 4,385 |
| Pretax return on assets | 0.6743% | 4,362 |
| Return on Equity (ROE) | 6.1845% | 3,958 |
| Retained earnings to average equity (ytd only) | 6.1845% | 2,375 |
| Net charge-offs to loans | 0.0097% | 2,346 |
| Credit loss provision to net charge-offs | 1,083.3333% | 348 |
| Earnings coverage of net charge-offs (x) | 95.0000% | 687 |
| Efficiency ratio | 75.6514% | 1,537 |
| Assets per employee ($millions) | 5.3485% | 2,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3958% | 5,179 |
| Loan loss allowance to noncurrent loans | 66.1074% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 0.8549% | 1,658 |
| Noncurrent loans to loans | 0.5987% | 2,542 |
| Net loans and leases to total assets | 79.9065% | 847 |
| Net loans and leases to deposits | 130.5028% | 40 |
| Net loans and leases to core deposits | 152.7904% | 112 |
| Total domestic deposits to total assets | 61.2297% | 5,271 |
| Equity capital to assets | 9.1144% | 4,606 |
| Core capital (leverage) ratio | 9.2544% | 4,406 |
| Tier 1 risk-based capital ratio | 19.1968% | 1,502 |
| Total risk-based capital ratio | 19.8634% | 1,592 |
| Memoranda: | ||
| Average total assets | $307,854,500 | 2,149 |
| Average earning assets | $285,111,000 | 2,142 |
| Average equity | $28,005,500 | 2,518 |
| Average total loans | $247,814,000 | 1,866 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6437% | 2,006 |
| Cost of funding earning assets | 1.5427% | 73 |
| Net interest margin | 3.1010% | 4,647 |
| Noninterest income to average assets | 0.2587% | 4,381 |
| Noninterest expense to average assets | 2.6659% | 3,135 |
| Loan and lease loss provision to assets | 0.1092% | 2,016 |
| Net operating income to assets | 0.3565% | 4,930 |
| Return on assets (ROA) | 0.3597% | 4,919 |
| Pretax return on assets | 0.3398% | 5,008 |
| Return on Equity (ROE) | 4.0170% | 4,705 |
| Retained earnings to average equity (ytd only) | 4.0170% | 3,357 |
| Net charge-offs to loans | 0.1669% | 1,153 |
| Credit loss provision to net charge-offs | 81.4634% | 2,845 |
| Earnings coverage of net charge-offs (x) | 3.3244% | 3,423 |
| Efficiency ratio | 85.6752% | 550 |
| Assets per employee ($millions) | 5.0081% | 2,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3753% | 5,234 |
| Loan loss allowance to noncurrent loans | 57.1252% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 0.8481% | 1,649 |
| Noncurrent loans to loans | 0.6569% | 2,351 |
| Net loans and leases to total assets | 80.4714% | 870 |
| Net loans and leases to deposits | 129.5135% | 49 |
| Net loans and leases to core deposits | 152.0265% | 127 |
| Total domestic deposits to total assets | 62.1336% | 5,301 |
| Equity capital to assets | 9.0794% | 4,511 |
| Core capital (leverage) ratio | 9.1577% | 4,499 |
| Tier 1 risk-based capital ratio | 18.9527% | 1,526 |
| Total risk-based capital ratio | 19.5982% | 1,607 |
| Memoranda: | ||
| Average total assets | $305,790,400 | 2,117 |
| Average earning assets | $281,327,400 | 2,127 |
| Average equity | $27,383,600 | 2,494 |
| Average total loans | $245,697,800 | 1,850 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6314% | 1,898 |
| Cost of funding earning assets | 1.5267% | 61 |
| Net interest margin | 3.1047% | 4,694 |
| Noninterest income to average assets | 0.2685% | 4,355 |
| Noninterest expense to average assets | 2.4529% | 3,721 |
| Loan and lease loss provision to assets | 0.1251% | 1,605 |
| Net operating income to assets | 0.5549% | 4,634 |
| Return on assets (ROA) | 0.5593% | 4,624 |
| Pretax return on assets | 0.5449% | 4,826 |
| Return on Equity (ROE) | 6.2671% | 4,181 |
| Retained earnings to average equity (ytd only) | 6.2671% | 2,507 |
| Net charge-offs to loans | 0.2135% | 801 |
| Credit loss provision to net charge-offs | 73.0280% | 2,602 |
| Earnings coverage of net charge-offs (x) | 3.8855% | 3,117 |
| Efficiency ratio | 78.6553% | 1,060 |
| Assets per employee ($millions) | 5.4648% | 1,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3653% | 5,318 |
| Loan loss allowance to noncurrent loans | 71.3376% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 0.7833% | 1,899 |
| Noncurrent loans to loans | 0.5120% | 2,847 |
| Net loans and leases to total assets | 79.8669% | 1,040 |
| Net loans and leases to deposits | 129.3338% | 49 |
| Net loans and leases to core deposits | 152.0003% | 119 |
| Total domestic deposits to total assets | 61.7525% | 5,374 |
| Equity capital to assets | 9.0933% | 4,463 |
| Core capital (leverage) ratio | 9.1977% | 4,514 |
| Tier 1 risk-based capital ratio | 19.1116% | 1,511 |
| Total risk-based capital ratio | 19.7331% | 1,633 |
| Memoranda: | ||
| Average total assets | $305,864,250 | 2,124 |
| Average earning assets | $280,772,250 | 2,139 |
| Average equity | $27,295,250 | 2,502 |
| Average total loans | $245,431,750 | 1,855 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5941% | 1,797 |
| Cost of funding earning assets | 1.5069% | 53 |
| Net interest margin | 3.0872% | 4,751 |
| Noninterest income to average assets | 0.3021% | 4,159 |
| Noninterest expense to average assets | 2.5101% | 3,606 |
| Loan and lease loss provision to assets | 0.1746% | 1,046 |
| Net operating income to assets | 0.5310% | 4,678 |
| Return on assets (ROA) | 0.5376% | 4,667 |
| Pretax return on assets | 0.4591% | 4,971 |
| Return on Equity (ROE) | 6.0625% | 4,213 |
| Retained earnings to average equity (ytd only) | 6.0625% | 2,524 |
| Net charge-offs to loans | 0.2958% | 540 |
| Credit loss provision to net charge-offs | 73.5537% | 2,319 |
| Earnings coverage of net charge-offs (x) | 2.6419% | 2,957 |
| Efficiency ratio | 80.0083% | 1,019 |
| Assets per employee ($millions) | 5.1746% | 2,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3690% | 5,384 |
| Loan loss allowance to noncurrent loans | 53.9928% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 1.0072% | 1,492 |
| Noncurrent loans to loans | 0.6835% | 2,398 |
| Net loans and leases to total assets | 80.1173% | 998 |
| Net loans and leases to deposits | 128.6309% | 52 |
| Net loans and leases to core deposits | 151.1245% | 112 |
| Total domestic deposits to total assets | 62.2846% | 5,435 |
| Equity capital to assets | 8.9722% | 4,584 |
| Core capital (leverage) ratio | 8.9609% | 4,723 |
| Tier 1 risk-based capital ratio | 18.8003% | 1,603 |
| Total risk-based capital ratio | 19.4315% | 1,709 |
| Memoranda: | ||
| Average total assets | $305,809,670 | 2,137 |
| Average earning assets | $280,840,000 | 2,152 |
| Average equity | $27,117,670 | 2,526 |
| Average total loans | $245,472,000 | 1,864 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5355% | 1,757 |
| Cost of funding earning assets | 1.4729% | 47 |
| Net interest margin | 3.0625% | 4,775 |
| Noninterest income to average assets | 0.4012% | 3,456 |
| Noninterest expense to average assets | 2.3642% | 4,034 |
| Loan and lease loss provision to assets | 0.1438% | 1,308 |
| Net operating income to assets | 0.8495% | 3,507 |
| Return on assets (ROA) | 0.8495% | 3,524 |
| Pretax return on assets | 0.7057% | 4,428 |
| Return on Equity (ROE) | 9.6366% | 2,614 |
| Retained earnings to average equity (ytd only) | 9.6366% | 1,273 |
| Net charge-offs to loans | 0.1369% | 986 |
| Credit loss provision to net charge-offs | 130.9524% | 1,329 |
| Earnings coverage of net charge-offs (x) | 7.7381% | 2,065 |
| Efficiency ratio | 73.5665% | 1,954 |
| Assets per employee ($millions) | 5.2665% | 2,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4179% | 5,415 |
| Loan loss allowance to noncurrent loans | 53.0718% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 0.9690% | 1,630 |
| Noncurrent loans to loans | 0.7874% | 2,242 |
| Net loans and leases to total assets | 78.8394% | 1,106 |
| Net loans and leases to deposits | 126.3967% | 58 |
| Net loans and leases to core deposits | 147.5655% | 146 |
| Total domestic deposits to total assets | 62.3745% | 5,504 |
| Equity capital to assets | 8.7683% | 4,772 |
| Core capital (leverage) ratio | 8.9417% | 4,747 |
| Tier 1 risk-based capital ratio | 18.4694% | 1,704 |
| Total risk-based capital ratio | 19.1741% | 1,806 |
| Memoranda: | ||
| Average total assets | $306,064,500 | 2,155 |
| Average earning assets | $281,074,500 | 2,173 |
| Average equity | $26,980,500 | 2,555 |
| Average total loans | $245,456,000 | 1,876 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5199% | 1,653 |
| Cost of funding earning assets | 1.4081% | 31 |
| Net interest margin | 3.1118% | 4,666 |
| Noninterest income to average assets | 0.1931% | 4,987 |
| Noninterest expense to average assets | 2.5316% | 3,676 |
| Loan and lease loss provision to assets | 0.0677% | 2,849 |
| Net operating income to assets | 0.3236% | 4,887 |
| Return on assets (ROA) | 0.3236% | 4,906 |
| Pretax return on assets | 0.4527% | 5,012 |
| Return on Equity (ROE) | 3.6807% | 4,612 |
| Retained earnings to average equity (ytd only) | 3.6807% | 3,032 |
| Net charge-offs to loans | 0.0500% | 2,790 |
| Credit loss provision to net charge-offs | 167.7686% | 1,600 |
| Earnings coverage of net charge-offs (x) | 12.8926% | 2,440 |
| Efficiency ratio | 82.9490% | 857 |
| Assets per employee ($millions) | 5.1086% | 2,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4091% | 5,479 |
| Loan loss allowance to noncurrent loans | 54.3384% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 0.8653% | 1,803 |
| Noncurrent loans to loans | 0.7529% | 2,318 |
| Net loans and leases to total assets | 80.9241% | 846 |
| Net loans and leases to deposits | 129.9412% | 46 |
| Net loans and leases to core deposits | 152.5687% | 121 |
| Total domestic deposits to total assets | 62.2775% | 5,567 |
| Equity capital to assets | 8.8638% | 4,845 |
| Core capital (leverage) ratio | 8.8919% | 4,765 |
| Tier 1 risk-based capital ratio | 18.3152% | 1,712 |
| Total risk-based capital ratio | 19.0214% | 1,819 |
| Memoranda: | ||
| Average total assets | $299,774,000 | 2,168 |
| Average earning assets | $275,407,000 | 2,182 |
| Average equity | $26,354,000 | 2,589 |
| Average total loans | $241,823,000 | 1,869 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5060% | 1,623 |
| Cost of funding earning assets | 1.3943% | 30 |
| Net interest margin | 3.1117% | 4,682 |
| Noninterest income to average assets | 0.1920% | 5,055 |
| Noninterest expense to average assets | 2.3440% | 4,174 |
| Loan and lease loss provision to assets | 0.0704% | 2,670 |
| Net operating income to assets | 0.4503% | 4,883 |
| Return on assets (ROA) | 0.4503% | 4,910 |
| Pretax return on assets | 0.6351% | 4,768 |
| Return on Equity (ROE) | 5.1325% | 4,481 |
| Retained earnings to average equity (ytd only) | 5.1325% | 2,792 |
| Net charge-offs to loans | 0.0614% | 2,237 |
| Credit loss provision to net charge-offs | 142.3423% | 1,755 |
| Earnings coverage of net charge-offs (x) | 14.2699% | 2,298 |
| Efficiency ratio | 76.8658% | 1,476 |
| Assets per employee ($millions) | 5.3880% | 2,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3959% | 5,566 |
| Loan loss allowance to noncurrent loans | 46.3567% | 4,611 |
| Noncurrent assets plus other real estate owned to assets | 1.0321% | 1,636 |
| Noncurrent loans to loans | 0.8541% | 2,231 |
| Net loans and leases to total assets | 80.6215% | 899 |
| Net loans and leases to deposits | 129.6743% | 43 |
| Net loans and leases to core deposits | 152.2663% | 110 |
| Total domestic deposits to total assets | 62.1723% | 5,634 |
| Equity capital to assets | 8.8816% | 5,011 |
| Core capital (leverage) ratio | 8.9481% | 4,803 |
| Tier 1 risk-based capital ratio | 18.3430% | 1,772 |
| Total risk-based capital ratio | 19.0205% | 1,869 |
| Memoranda: | ||
| Average total assets | $299,366,000 | 2,188 |
| Average earning assets | $274,914,750 | 2,199 |
| Average equity | $26,263,500 | 2,614 |
| Average total loans | $241,050,750 | 1,886 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4923% | 1,530 |
| Cost of funding earning assets | 1.3792% | 27 |
| Net interest margin | 3.1132% | 4,643 |
| Noninterest income to average assets | 0.1822% | 5,140 |
| Noninterest expense to average assets | 2.3572% | 4,190 |
| Loan and lease loss provision to assets | 0.0723% | 2,525 |
| Net operating income to assets | 0.4367% | 4,877 |
| Return on assets (ROA) | 0.4367% | 4,901 |
| Pretax return on assets | 0.6089% | 4,783 |
| Return on Equity (ROE) | 4.9990% | 4,475 |
| Retained earnings to average equity (ytd only) | 4.9990% | 2,708 |
| Net charge-offs to loans | 0.0783% | 1,841 |
| Credit loss provision to net charge-offs | 114.8936% | 1,835 |
| Earnings coverage of net charge-offs (x) | 10.8191% | 2,319 |
| Efficiency ratio | 77.5794% | 1,520 |
| Assets per employee ($millions) | 4.6880% | 2,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3831% | 5,618 |
| Loan loss allowance to noncurrent loans | 43.3411% | 4,732 |
| Noncurrent assets plus other real estate owned to assets | 0.9979% | 1,754 |
| Noncurrent loans to loans | 0.8839% | 2,208 |
| Net loans and leases to total assets | 80.9465% | 817 |
| Net loans and leases to deposits | 126.7831% | 54 |
| Net loans and leases to core deposits | 148.2641% | 137 |
| Total domestic deposits to total assets | 63.8464% | 5,667 |
| Equity capital to assets | 8.8090% | 5,062 |
| Core capital (leverage) ratio | 8.6614% | 5,077 |
| Tier 1 risk-based capital ratio | 18.1834% | 1,801 |
| Total risk-based capital ratio | 18.8360% | 1,934 |
| Memoranda: | ||
| Average total assets | $298,579,330 | 2,196 |
| Average earning assets | $273,934,330 | 2,209 |
| Average equity | $26,085,330 | 2,624 |
| Average total loans | $239,993,330 | 1,887 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4575% | 1,475 |
| Cost of funding earning assets | 1.3557% | 27 |
| Net interest margin | 3.1018% | 4,643 |
| Noninterest income to average assets | 0.1907% | 5,133 |
| Noninterest expense to average assets | 2.2911% | 4,428 |
| Loan and lease loss provision to assets | 0.0739% | 2,324 |
| Net operating income to assets | 0.4767% | 4,684 |
| Return on assets (ROA) | 0.4767% | 4,707 |
| Pretax return on assets | 0.6648% | 4,546 |
| Return on Equity (ROE) | 5.4799% | 4,157 |
| Retained earnings to average equity (ytd only) | 5.4799% | 2,611 |
| Net charge-offs to loans | 0.0840% | 1,510 |
| Credit loss provision to net charge-offs | 110.0000% | 1,478 |
| Earnings coverage of net charge-offs (x) | 11.0000% | 1,912 |
| Efficiency ratio | 75.6206% | 1,968 |
| Assets per employee ($millions) | 5.0414% | 2,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3878% | 5,692 |
| Loan loss allowance to noncurrent loans | 55.4889% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 0.8202% | 2,241 |
| Noncurrent loans to loans | 0.6988% | 2,749 |
| Net loans and leases to total assets | 78.5560% | 1,044 |
| Net loans and leases to deposits | 123.0610% | 70 |
| Net loans and leases to core deposits | 144.2225% | 139 |
| Total domestic deposits to total assets | 63.8350% | 5,743 |
| Equity capital to assets | 8.6278% | 5,126 |
| Core capital (leverage) ratio | 8.8936% | 4,849 |
| Tier 1 risk-based capital ratio | 18.0737% | 1,851 |
| Total risk-based capital ratio | 18.7276% | 1,993 |
| Memoranda: | ||
| Average total assets | $297,852,000 | 2,222 |
| Average earning assets | $272,618,000 | 2,231 |
| Average equity | $25,913,000 | 2,646 |
| Average total loans | $238,089,500 | 1,902 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5563% | 1,390 |
| Cost of funding earning assets | 1.3440% | 28 |
| Net interest margin | 3.2123% | 4,412 |
| Noninterest income to average assets | 0.2327% | 5,022 |
| Noninterest expense to average assets | 2.6433% | 3,548 |
| Loan and lease loss provision to assets | 0.0337% | 3,688 |
| Net operating income to assets | 0.3748% | 5,018 |
| Return on assets (ROA) | 0.3890% | 5,063 |
| Pretax return on assets | 0.5208% | 4,983 |
| Return on Equity (ROE) | 4.4430% | 4,682 |
| Retained earnings to average equity (ytd only) | 4.4430% | 2,753 |
| Net charge-offs to loans | 0.0657% | 2,759 |
| Credit loss provision to net charge-offs | 63.6364% | 3,197 |
| Earnings coverage of net charge-offs (x) | 10.1039% | 2,679 |
| Efficiency ratio | 83.1511% | 1,089 |
| Assets per employee ($millions) | 4.8870% | 2,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3872% | 5,744 |
| Loan loss allowance to noncurrent loans | 71.0425% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 0.6790% | 2,675 |
| Noncurrent loans to loans | 0.5450% | 3,210 |
| Net loans and leases to total assets | 80.7294% | 780 |
| Net loans and leases to deposits | 128.4878% | 46 |
| Net loans and leases to core deposits | 150.9274% | 107 |
| Total domestic deposits to total assets | 62.8304% | 5,798 |
| Equity capital to assets | 8.7744% | 5,043 |
| Core capital (leverage) ratio | 8.8535% | 4,906 |
| Tier 1 risk-based capital ratio | 18.1141% | 1,823 |
| Total risk-based capital ratio | 18.7792% | 1,958 |
| Memoranda: | ||
| Average total assets | $290,504,400 | 2,221 |
| Average earning assets | $266,447,000 | 2,243 |
| Average equity | $25,433,200 | 2,682 |
| Average total loans | $234,472,000 | 1,873 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5635% | 1,375 |
| Cost of funding earning assets | 1.3401% | 26 |
| Net interest margin | 3.2235% | 4,417 |
| Noninterest income to average assets | 0.2420% | 5,026 |
| Noninterest expense to average assets | 2.4248% | 4,210 |
| Loan and lease loss provision to assets | 0.0267% | 3,713 |
| Net operating income to assets | 0.5517% | 4,490 |
| Return on assets (ROA) | 0.5704% | 4,516 |
| Pretax return on assets | 0.7715% | 4,405 |
| Return on Equity (ROE) | 6.5194% | 3,828 |
| Retained earnings to average equity (ytd only) | 6.5194% | 1,899 |
| Net charge-offs to loans | 0.0668% | 2,377 |
| Credit loss provision to net charge-offs | 49.5726% | 3,040 |
| Earnings coverage of net charge-offs (x) | 14.3586% | 2,246 |
| Efficiency ratio | 75.8308% | 2,000 |
| Assets per employee ($millions) | 4.8656% | 2,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3865% | 5,805 |
| Loan loss allowance to noncurrent loans | 75.4112% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 0.5923% | 3,137 |
| Noncurrent loans to loans | 0.5125% | 3,458 |
| Net loans and leases to total assets | 80.9652% | 767 |
| Net loans and leases to deposits | 129.0878% | 45 |
| Net loans and leases to core deposits | 151.8889% | 114 |
| Total domestic deposits to total assets | 62.7210% | 5,861 |
| Equity capital to assets | 8.9085% | 5,235 |
| Core capital (leverage) ratio | 8.9402% | 4,895 |
| Tier 1 risk-based capital ratio | 18.1497% | 1,871 |
| Total risk-based capital ratio | 18.7916% | 2,026 |
| Memoranda: | ||
| Average total assets | $289,826,000 | 2,230 |
| Average earning assets | $265,753,750 | 2,253 |
| Average equity | $25,359,500 | 2,701 |
| Average total loans | $233,681,750 | 1,878 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5657% | 1,343 |
| Cost of funding earning assets | 1.3360% | 28 |
| Net interest margin | 3.2298% | 4,445 |
| Noninterest income to average assets | 0.2732% | 4,827 |
| Noninterest expense to average assets | 2.4806% | 4,085 |
| Loan and lease loss provision to assets | 0.0138% | 3,832 |
| Net operating income to assets | 0.5505% | 4,480 |
| Return on assets (ROA) | 0.5755% | 4,499 |
| Pretax return on assets | 0.7727% | 4,380 |
| Return on Equity (ROE) | 6.6180% | 3,739 |
| Retained earnings to average equity (ytd only) | 6.6180% | 1,801 |
| Net charge-offs to loans | 0.0430% | 2,605 |
| Credit loss provision to net charge-offs | 40.0000% | 2,765 |
| Earnings coverage of net charge-offs (x) | 21.7600% | 1,663 |
| Efficiency ratio | 76.7223% | 1,976 |
| Assets per employee ($millions) | 4.8672% | 2,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4050% | 5,875 |
| Loan loss allowance to noncurrent loans | 86.5508% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 0.6287% | 3,113 |
| Noncurrent loans to loans | 0.4679% | 3,685 |
| Net loans and leases to total assets | 79.6674% | 959 |
| Net loans and leases to deposits | 127.9238% | 53 |
| Net loans and leases to core deposits | 151.3824% | 119 |
| Total domestic deposits to total assets | 62.2772% | 5,953 |
| Equity capital to assets | 8.7678% | 5,432 |
| Core capital (leverage) ratio | 8.8334% | 5,017 |
| Tier 1 risk-based capital ratio | 17.9128% | 1,955 |
| Total risk-based capital ratio | 18.5859% | 2,083 |
| Memoranda: | ||
| Average total assets | $289,123,330 | 2,247 |
| Average earning assets | $264,973,000 | 2,264 |
| Average equity | $25,143,670 | 2,726 |
| Average total loans | $232,481,670 | 1,892 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5958% | 1,277 |
| Cost of funding earning assets | 1.3565% | 27 |
| Net interest margin | 3.2393% | 4,433 |
| Noninterest income to average assets | 0.1543% | 5,569 |
| Noninterest expense to average assets | 2.3444% | 4,535 |
| Loan and lease loss provision to assets | 0.0209% | 3,415 |
| Net operating income to assets | 0.5492% | 4,429 |
| Return on assets (ROA) | 0.5492% | 4,529 |
| Pretax return on assets | 0.7509% | 4,364 |
| Return on Equity (ROE) | 6.3421% | 3,809 |
| Retained earnings to average equity (ytd only) | 6.3421% | 2,212 |
| Net charge-offs to loans | 0.0862% | 1,634 |
| Credit loss provision to net charge-offs | 30.0000% | 2,226 |
| Earnings coverage of net charge-offs (x) | 11.1000% | 1,882 |
| Efficiency ratio | 75.2343% | 2,290 |
| Assets per employee ($millions) | 4.8226% | 2,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4052% | 5,944 |
| Loan loss allowance to noncurrent loans | 108.7861% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 0.6214% | 3,199 |
| Noncurrent loans to loans | 0.3725% | 4,100 |
| Net loans and leases to total assets | 79.9375% | 822 |
| Net loans and leases to deposits | 126.7496% | 48 |
| Net loans and leases to core deposits | 149.8044% | 107 |
| Total domestic deposits to total assets | 63.0673% | 6,013 |
| Equity capital to assets | 8.6886% | 5,430 |
| Core capital (leverage) ratio | 8.6726% | 5,205 |
| Tier 1 risk-based capital ratio | 17.7189% | 2,063 |
| Total risk-based capital ratio | 18.3935% | 2,204 |
| Memoranda: | ||
| Average total assets | $287,668,500 | 2,258 |
| Average earning assets | $263,023,000 | 2,281 |
| Average equity | $24,913,000 | 2,750 |
| Average total loans | $231,922,000 | 1,901 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6357% | 1,244 |
| Cost of funding earning assets | 1.3545% | 27 |
| Net interest margin | 3.2812% | 4,368 |
| Noninterest income to average assets | 0.1679% | 5,578 |
| Noninterest expense to average assets | 2.5951% | 3,941 |
| Loan and lease loss provision to assets | 0.1015% | 2,291 |
| Net operating income to assets | 0.3341% | 5,262 |
| Return on assets (ROA) | 0.3544% | 5,287 |
| Pretax return on assets | 0.4934% | 5,128 |
| Return on Equity (ROE) | 4.1526% | 4,875 |
| Retained earnings to average equity (ytd only) | 4.1526% | 3,043 |
| Net charge-offs to loans | 0.1307% | 2,063 |
| Credit loss provision to net charge-offs | 96.6555% | 2,623 |
| Earnings coverage of net charge-offs (x) | 5.3980% | 3,397 |
| Efficiency ratio | 82.0726% | 1,404 |
| Assets per employee ($millions) | 4.7664% | 2,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4214% | 5,980 |
| Loan loss allowance to noncurrent loans | 98.1891% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 0.7514% | 2,805 |
| Noncurrent loans to loans | 0.4292% | 3,921 |
| Net loans and leases to total assets | 80.6428% | 754 |
| Net loans and leases to deposits | 127.8129% | 56 |
| Net loans and leases to core deposits | 150.4861% | 110 |
| Total domestic deposits to total assets | 63.0944% | 6,058 |
| Equity capital to assets | 8.6317% | 5,441 |
| Core capital (leverage) ratio | 8.6418% | 5,286 |
| Tier 1 risk-based capital ratio | 17.4159% | 2,149 |
| Total risk-based capital ratio | 18.1092% | 2,288 |
| Memoranda: | ||
| Average total assets | $284,734,000 | 2,237 |
| Average earning assets | $259,810,000 | 2,266 |
| Average equity | $24,298,200 | 2,760 |
| Average total loans | $228,816,600 | 1,866 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6291% | 1,263 |
| Cost of funding earning assets | 1.3608% | 31 |
| Net interest margin | 3.2682% | 4,461 |
| Noninterest income to average assets | 0.1702% | 5,628 |
| Noninterest expense to average assets | 2.4686% | 4,289 |
| Loan and lease loss provision to assets | 0.1078% | 2,078 |
| Net operating income to assets | 0.4141% | 5,111 |
| Return on assets (ROA) | 0.4388% | 5,107 |
| Pretax return on assets | 0.6103% | 4,950 |
| Return on Equity (ROE) | 5.1566% | 4,548 |
| Retained earnings to average equity (ytd only) | 5.1566% | 2,801 |
| Net charge-offs to loans | 0.1905% | 1,340 |
| Credit loss provision to net charge-offs | 70.5521% | 2,757 |
| Earnings coverage of net charge-offs (x) | 4.4754% | 3,345 |
| Efficiency ratio | 78.3048% | 1,909 |
| Assets per employee ($millions) | 4.5955% | 2,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3900% | 6,094 |
| Loan loss allowance to noncurrent loans | 53.8089% | 4,854 |
| Noncurrent assets plus other real estate owned to assets | 1.0157% | 2,330 |
| Noncurrent loans to loans | 0.7247% | 3,160 |
| Net loans and leases to total assets | 79.7910% | 848 |
| Net loans and leases to deposits | 128.4106% | 48 |
| Net loans and leases to core deposits | 150.4311% | 109 |
| Total domestic deposits to total assets | 62.1374% | 6,157 |
| Equity capital to assets | 8.6571% | 5,605 |
| Core capital (leverage) ratio | 8.6588% | 5,400 |
| Tier 1 risk-based capital ratio | 17.5783% | 2,164 |
| Total risk-based capital ratio | 18.2366% | 2,329 |
| Memoranda: | ||
| Average total assets | $284,422,250 | 2,257 |
| Average earning assets | $259,542,000 | 2,287 |
| Average equity | $24,201,500 | 2,786 |
| Average total loans | $228,121,000 | 1,885 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6007% | 1,278 |
| Cost of funding earning assets | 1.3652% | 30 |
| Net interest margin | 3.2355% | 4,544 |
| Noninterest income to average assets | 0.1555% | 5,775 |
| Noninterest expense to average assets | 2.4401% | 4,428 |
| Loan and lease loss provision to assets | 0.1196% | 1,849 |
| Net operating income to assets | 0.3946% | 5,155 |
| Return on assets (ROA) | 0.4271% | 5,153 |
| Pretax return on assets | 0.5981% | 4,978 |
| Return on Equity (ROE) | 5.0485% | 4,592 |
| Retained earnings to average equity (ytd only) | 5.0485% | 2,832 |
| Net charge-offs to loans | 0.1438% | 1,630 |
| Credit loss provision to net charge-offs | 103.6585% | 2,003 |
| Earnings coverage of net charge-offs (x) | 5.8232% | 2,880 |
| Efficiency ratio | 78.4083% | 2,004 |
| Assets per employee ($millions) | 4.5822% | 2,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4361% | 6,140 |
| Loan loss allowance to noncurrent loans | 60.6357% | 4,740 |
| Noncurrent assets plus other real estate owned to assets | 1.0739% | 2,370 |
| Noncurrent loans to loans | 0.7192% | 3,329 |
| Net loans and leases to total assets | 79.7233% | 840 |
| Net loans and leases to deposits | 127.8651% | 51 |
| Net loans and leases to core deposits | 148.9517% | 114 |
| Total domestic deposits to total assets | 62.3496% | 6,224 |
| Equity capital to assets | 8.5524% | 5,639 |
| Core capital (leverage) ratio | 8.5262% | 5,507 |
| Tier 1 risk-based capital ratio | 17.0939% | 2,371 |
| Total risk-based capital ratio | 17.8075% | 2,539 |
| Memoranda: | ||
| Average total assets | $284,255,670 | 2,275 |
| Average earning assets | $259,743,670 | 2,298 |
| Average equity | $24,046,670 | 2,809 |
| Average total loans | $228,084,000 | 1,898 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5939% | 1,239 |
| Cost of funding earning assets | 1.3805% | 27 |
| Net interest margin | 3.2134% | 4,556 |
| Noninterest income to average assets | 0.2237% | 5,357 |
| Noninterest expense to average assets | 2.3085% | 4,855 |
| Loan and lease loss provision to assets | 0.0746% | 2,453 |
| Net operating income to assets | 0.5443% | 4,496 |
| Return on assets (ROA) | 0.5768% | 4,480 |
| Pretax return on assets | 0.8244% | 4,152 |
| Return on Equity (ROE) | 6.8558% | 3,580 |
| Retained earnings to average equity (ytd only) | 6.8558% | 2,075 |
| Net charge-offs to loans | 0.1016% | 1,710 |
| Credit loss provision to net charge-offs | 91.3793% | 1,733 |
| Earnings coverage of net charge-offs (x) | 10.4483% | 1,935 |
| Efficiency ratio | 73.0307% | 2,984 |
| Assets per employee ($millions) | 4.6541% | 2,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4305% | 6,219 |
| Loan loss allowance to noncurrent loans | 43.0452% | 5,212 |
| Noncurrent assets plus other real estate owned to assets | 1.3578% | 1,959 |
| Noncurrent loans to loans | 1.0001% | 2,759 |
| Net loans and leases to total assets | 78.6316% | 847 |
| Net loans and leases to deposits | 128.0261% | 40 |
| Net loans and leases to core deposits | 150.2871% | 101 |
| Total domestic deposits to total assets | 61.4184% | 6,306 |
| Equity capital to assets | 8.3666% | 5,827 |
| Core capital (leverage) ratio | 8.4826% | 5,535 |
| Tier 1 risk-based capital ratio | 16.4751% | 2,691 |
| Total risk-based capital ratio | 17.1542% | 2,911 |
| Memoranda: | ||
| Average total assets | $284,336,000 | 2,294 |
| Average earning assets | $259,912,000 | 2,313 |
| Average equity | $23,921,500 | 2,836 |
| Average total loans | $228,385,000 | 1,889 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7736% | 1,163 |
| Cost of funding earning assets | 1.4084% | 37 |
| Net interest margin | 3.3652% | 4,354 |
| Noninterest income to average assets | 0.2332% | 5,464 |
| Noninterest expense to average assets | 2.6159% | 4,159 |
| Loan and lease loss provision to assets | 0.1438% | 1,843 |
| Net operating income to assets | 0.3738% | 5,310 |
| Return on assets (ROA) | 0.3741% | 5,378 |
| Pretax return on assets | 0.5466% | 5,108 |
| Return on Equity (ROE) | 4.4372% | 4,925 |
| Retained earnings to average equity (ytd only) | 4.4372% | 3,023 |
| Net charge-offs to loans | 0.2319% | 1,819 |
| Credit loss provision to net charge-offs | 76.0077% | 2,949 |
| Earnings coverage of net charge-offs (x) | 3.6468% | 3,837 |
| Efficiency ratio | 79.1278% | 2,048 |
| Assets per employee ($millions) | 4.5181% | 3,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4308% | 6,311 |
| Loan loss allowance to noncurrent loans | 66.2189% | 4,630 |
| Noncurrent assets plus other real estate owned to assets | 1.1102% | 2,529 |
| Noncurrent loans to loans | 0.6505% | 3,735 |
| Net loans and leases to total assets | 81.3616% | 588 |
| Net loans and leases to deposits | 131.9321% | 37 |
| Net loans and leases to core deposits | 155.1326% | 95 |
| Total domestic deposits to total assets | 61.6693% | 6,390 |
| Equity capital to assets | 8.4610% | 5,784 |
| Core capital (leverage) ratio | 8.4551% | 5,601 |
| Tier 1 risk-based capital ratio | 16.5908% | 2,676 |
| Total risk-based capital ratio | 17.2815% | 2,891 |
| Memoranda: | ||
| Average total assets | $275,355,000 | 2,319 |
| Average earning assets | $251,425,200 | 2,336 |
| Average equity | $23,212,800 | 2,826 |
| Average total loans | $224,671,200 | 1,866 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7904% | 1,124 |
| Cost of funding earning assets | 1.4106% | 39 |
| Net interest margin | 3.3798% | 4,316 |
| Noninterest income to average assets | 0.2373% | 5,509 |
| Noninterest expense to average assets | 2.5595% | 4,320 |
| Loan and lease loss provision to assets | 0.1386% | 1,802 |
| Net operating income to assets | 0.4362% | 5,124 |
| Return on assets (ROA) | 0.4362% | 5,201 |
| Pretax return on assets | 0.6235% | 4,955 |
| Return on Equity (ROE) | 5.1794% | 4,638 |
| Retained earnings to average equity (ytd only) | 5.1794% | 2,971 |
| Net charge-offs to loans | 0.2618% | 1,489 |
| Credit loss provision to net charge-offs | 64.9203% | 2,856 |
| Earnings coverage of net charge-offs (x) | 3.5695% | 3,635 |
| Efficiency ratio | 77.0571% | 2,346 |
| Assets per employee ($millions) | 4.8558% | 2,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4237% | 6,392 |
| Loan loss allowance to noncurrent loans | 49.1273% | 5,174 |
| Noncurrent assets plus other real estate owned to assets | 1.2483% | 2,462 |
| Noncurrent loans to loans | 0.8625% | 3,413 |
| Net loans and leases to total assets | 81.2520% | 583 |
| Net loans and leases to deposits | 131.4253% | 38 |
| Net loans and leases to core deposits | 154.9722% | 89 |
| Total domestic deposits to total assets | 61.8237% | 6,469 |
| Equity capital to assets | 8.5201% | 5,784 |
| Core capital (leverage) ratio | 8.5097% | 5,650 |
| Tier 1 risk-based capital ratio | 16.7058% | 2,727 |
| Total risk-based capital ratio | 17.3847% | 2,946 |
| Memoranda: | ||
| Average total assets | $274,163,750 | 2,344 |
| Average earning assets | $250,189,000 | 2,356 |
| Average equity | $23,090,750 | 2,845 |
| Average total loans | $223,615,000 | 1,880 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7934% | 1,080 |
| Cost of funding earning assets | 1.4178% | 37 |
| Net interest margin | 3.3756% | 4,285 |
| Noninterest income to average assets | 0.2313% | 5,542 |
| Noninterest expense to average assets | 2.5716% | 4,344 |
| Loan and lease loss provision to assets | 0.1683% | 1,459 |
| Net operating income to assets | 0.4025% | 5,212 |
| Return on assets (ROA) | 0.4025% | 5,291 |
| Pretax return on assets | 0.5701% | 5,055 |
| Return on Equity (ROE) | 4.7978% | 4,771 |
| Retained earnings to average equity (ytd only) | 4.7978% | 3,091 |
| Net charge-offs to loans | 0.2845% | 1,401 |
| Credit loss provision to net charge-offs | 72.5552% | 2,424 |
| Earnings coverage of net charge-offs (x) | 3.1830% | 3,372 |
| Efficiency ratio | 77.6918% | 2,339 |
| Assets per employee ($millions) | 4.8327% | 2,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4564% | 6,456 |
| Loan loss allowance to noncurrent loans | 75.5162% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 0.9551% | 3,150 |
| Noncurrent loans to loans | 0.6044% | 4,212 |
| Net loans and leases to total assets | 81.0695% | 563 |
| Net loans and leases to deposits | 130.8032% | 35 |
| Net loans and leases to core deposits | 154.8965% | 86 |
| Total domestic deposits to total assets | 61.9782% | 6,541 |
| Equity capital to assets | 8.4348% | 5,854 |
| Core capital (leverage) ratio | 8.4225% | 5,721 |
| Tier 1 risk-based capital ratio | 16.5225% | 2,816 |
| Total risk-based capital ratio | 17.2517% | 3,022 |
| Memoranda: | ||
| Average total assets | $273,291,000 | 2,350 |
| Average earning assets | $249,257,670 | 2,366 |
| Average equity | $22,927,000 | 2,853 |
| Average total loans | $222,870,670 | 1,878 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8125% | 1,017 |
| Cost of funding earning assets | 1.4275% | 39 |
| Net interest margin | 3.3850% | 4,194 |
| Noninterest income to average assets | 0.2101% | 5,675 |
| Noninterest expense to average assets | 2.4923% | 4,648 |
| Loan and lease loss provision to assets | 0.2572% | 830 |
| Net operating income to assets | 0.3924% | 5,147 |
| Return on assets (ROA) | 0.3924% | 5,217 |
| Pretax return on assets | 0.5481% | 5,016 |
| Return on Equity (ROE) | 4.6898% | 4,695 |
| Retained earnings to average equity (ytd only) | 4.6898% | 3,303 |
| Net charge-offs to loans | 0.4034% | 900 |
| Credit loss provision to net charge-offs | 78.1250% | 1,915 |
| Earnings coverage of net charge-offs (x) | 2.4464% | 2,876 |
| Efficiency ratio | 75.5793% | 2,864 |
| Assets per employee ($millions) | 4.8228% | 2,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4790% | 6,518 |
| Loan loss allowance to noncurrent loans | 57.6860% | 4,926 |
| Noncurrent assets plus other real estate owned to assets | 1.0811% | 3,090 |
| Noncurrent loans to loans | 0.8304% | 3,807 |
| Net loans and leases to total assets | 80.2573% | 520 |
| Net loans and leases to deposits | 128.7429% | 38 |
| Net loans and leases to core deposits | 154.9844% | 85 |
| Total domestic deposits to total assets | 62.3392% | 6,616 |
| Equity capital to assets | 8.3394% | 5,790 |
| Core capital (leverage) ratio | 8.3372% | 5,814 |
| Tier 1 risk-based capital ratio | 16.3489% | 2,976 |
| Total risk-based capital ratio | 17.1057% | 3,206 |
| Memoranda: | ||
| Average total assets | $272,203,500 | 2,360 |
| Average earning assets | $248,272,000 | 2,366 |
| Average equity | $22,773,000 | 2,865 |
| Average total loans | $222,134,500 | 1,888 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8728% | 1,150 |
| Cost of funding earning assets | 1.7964% | 20 |
| Net interest margin | 3.0764% | 5,389 |
| Noninterest income to average assets | 0.2022% | 5,873 |
| Noninterest expense to average assets | 2.4938% | 4,782 |
| Loan and lease loss provision to assets | 0.0926% | 3,255 |
| Net operating income to assets | 0.3759% | 5,240 |
| Return on assets (ROA) | 0.3808% | 5,332 |
| Pretax return on assets | 0.4326% | 5,406 |
| Return on Equity (ROE) | 4.6302% | 4,823 |
| Retained earnings to average equity (ytd only) | 4.6302% | 2,863 |
| Net charge-offs to loans | 0.1900% | 2,941 |
| Credit loss provision to net charge-offs | 59.9520% | 3,567 |
| Earnings coverage of net charge-offs (x) | 3.3645% | 3,875 |
| Efficiency ratio | 82.7557% | 1,783 |
| Assets per employee ($millions) | 4.7282% | 2,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4991% | 6,571 |
| Loan loss allowance to noncurrent loans | 92.9707% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 1.1109% | 3,183 |
| Noncurrent loans to loans | 0.5369% | 4,650 |
| Net loans and leases to total assets | 82.1755% | 403 |
| Net loans and leases to deposits | 130.5264% | 35 |
| Net loans and leases to core deposits | 152.9782% | 88 |
| Total domestic deposits to total assets | 62.9570% | 6,687 |
| Equity capital to assets | 8.3935% | 5,701 |
| Core capital (leverage) ratio | 8.4032% | 5,778 |
| Tier 1 risk-based capital ratio | 16.2191% | 2,999 |
| Total risk-based capital ratio | 17.0147% | 3,175 |
| Memoranda: | ||
| Average total assets | $269,993,000 | 2,345 |
| Average earning assets | $246,717,800 | 2,364 |
| Average equity | $22,202,200 | 2,903 |
| Average total loans | $219,496,000 | 1,864 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8765% | 1,174 |
| Cost of funding earning assets | 1.8971% | 13 |
| Net interest margin | 2.9795% | 5,643 |
| Noninterest income to average assets | 0.1816% | 6,107 |
| Noninterest expense to average assets | 2.3224% | 5,267 |
| Loan and lease loss provision to assets | 0.1111% | 2,908 |
| Net operating income to assets | 0.4320% | 5,103 |
| Return on assets (ROA) | 0.4388% | 5,219 |
| Pretax return on assets | 0.4758% | 5,433 |
| Return on Equity (ROE) | 5.3640% | 4,531 |
| Retained earnings to average equity (ytd only) | 5.3640% | 2,824 |
| Net charge-offs to loans | 0.1835% | 2,764 |
| Credit loss provision to net charge-offs | 74.7508% | 2,971 |
| Earnings coverage of net charge-offs (x) | 3.9004% | 3,587 |
| Efficiency ratio | 80.0306% | 2,097 |
| Assets per employee ($millions) | 4.9985% | 2,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5427% | 6,621 |
| Loan loss allowance to noncurrent loans | 59.9501% | 4,821 |
| Noncurrent assets plus other real estate owned to assets | 1.1243% | 3,404 |
| Noncurrent loans to loans | 0.9052% | 4,010 |
| Net loans and leases to total assets | 80.1296% | 533 |
| Net loans and leases to deposits | 124.6760% | 50 |
| Net loans and leases to core deposits | 149.1570% | 94 |
| Total domestic deposits to total assets | 64.2703% | 6,743 |
| Equity capital to assets | 8.1857% | 6,017 |
| Core capital (leverage) ratio | 8.1883% | 6,076 |
| Tier 1 risk-based capital ratio | 16.2052% | 3,081 |
| Total risk-based capital ratio | 17.0705% | 3,243 |
| Memoranda: | ||
| Average total assets | $270,114,750 | 2,365 |
| Average earning assets | $246,616,500 | 2,374 |
| Average equity | $22,097,500 | 2,954 |
| Average total loans | $218,725,250 | 1,871 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8908% | 1,117 |
| Cost of funding earning assets | 1.9506% | 12 |
| Net interest margin | 2.9402% | 5,708 |
| Noninterest income to average assets | 0.1661% | 6,223 |
| Noninterest expense to average assets | 2.3179% | 5,308 |
| Loan and lease loss provision to assets | 0.1155% | 2,882 |
| Net operating income to assets | 0.4305% | 5,107 |
| Return on assets (ROA) | 0.4417% | 5,219 |
| Pretax return on assets | 0.4305% | 5,576 |
| Return on Equity (ROE) | 5.4002% | 4,516 |
| Retained earnings to average equity (ytd only) | 5.4002% | 2,812 |
| Net charge-offs to loans | 0.1717% | 2,748 |
| Credit loss provision to net charge-offs | 82.8877% | 2,569 |
| Earnings coverage of net charge-offs (x) | 3.8396% | 3,284 |
| Efficiency ratio | 81.2533% | 2,000 |
| Assets per employee ($millions) | 4.9246% | 2,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5717% | 6,642 |
| Loan loss allowance to noncurrent loans | 57.0252% | 4,933 |
| Noncurrent assets plus other real estate owned to assets | 1.0688% | 3,605 |
| Noncurrent loans to loans | 1.0025% | 3,931 |
| Net loans and leases to total assets | 80.0103% | 536 |
| Net loans and leases to deposits | 122.7053% | 63 |
| Net loans and leases to core deposits | 149.7823% | 95 |
| Total domestic deposits to total assets | 65.2052% | 6,771 |
| Equity capital to assets | 8.2052% | 6,054 |
| Core capital (leverage) ratio | 8.2026% | 6,006 |
| Tier 1 risk-based capital ratio | 16.2689% | 3,056 |
| Total risk-based capital ratio | 17.1814% | 3,177 |
| Memoranda: | ||
| Average total assets | $268,514,000 | 2,388 |
| Average earning assets | $245,361,000 | 2,396 |
| Average equity | $21,962,000 | 2,992 |
| Average total loans | $217,803,000 | 1,876 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9177% | 1,035 |
| Cost of funding earning assets | 1.9769% | 11 |
| Net interest margin | 2.9408% | 5,727 |
| Noninterest income to average assets | 0.1691% | 6,245 |
| Noninterest expense to average assets | 2.1979% | 5,692 |
| Loan and lease loss provision to assets | 0.1421% | 2,464 |
| Net operating income to assets | 0.4695% | 4,826 |
| Return on assets (ROA) | 0.4818% | 4,926 |
| Pretax return on assets | 0.5267% | 5,185 |
| Return on Equity (ROE) | 5.8999% | 4,107 |
| Retained earnings to average equity (ytd only) | 5.8999% | 2,738 |
| Net charge-offs to loans | 0.1782% | 2,322 |
| Credit loss provision to net charge-offs | 97.9381% | 1,904 |
| Earnings coverage of net charge-offs (x) | 4.5155% | 2,535 |
| Efficiency ratio | 77.0320% | 2,758 |
| Assets per employee ($millions) | 4.8780% | 2,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5885% | 6,721 |
| Loan loss allowance to noncurrent loans | 50.8975% | 5,126 |
| Noncurrent assets plus other real estate owned to assets | 1.2699% | 3,438 |
| Noncurrent loans to loans | 1.1562% | 3,848 |
| Net loans and leases to total assets | 80.3462% | 398 |
| Net loans and leases to deposits | 122.2550% | 54 |
| Net loans and leases to core deposits | 149.4070% | 94 |
| Total domestic deposits to total assets | 65.7202% | 6,850 |
| Equity capital to assets | 8.1949% | 6,254 |
| Core capital (leverage) ratio | 8.1812% | 5,949 |
| Tier 1 risk-based capital ratio | 16.2599% | 3,126 |
| Total risk-based capital ratio | 17.2054% | 3,257 |
| Memoranda: | ||
| Average total assets | $267,344,000 | 2,418 |
| Average earning assets | $244,016,000 | 2,432 |
| Average equity | $21,831,000 | 3,044 |
| Average total loans | $217,726,000 | 1,886 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1561% | 1,194 |
| Cost of funding earning assets | 2.1289% | 18 |
| Net interest margin | 3.0273% | 5,986 |
| Noninterest income to average assets | 0.2044% | 5,953 |
| Noninterest expense to average assets | 2.3440% | 5,580 |
| Loan and lease loss provision to assets | 0.3214% | 2,125 |
| Net operating income to assets | 0.2055% | 5,772 |
| Return on assets (ROA) | 0.2175% | 5,929 |
| Pretax return on assets | 0.3360% | 5,751 |
| Return on Equity (ROE) | 2.7155% | 5,669 |
| Retained earnings to average equity (ytd only) | 2.7155% | 4,324 |
| Net charge-offs to loans | 0.2266% | 3,579 |
| Credit loss provision to net charge-offs | 174.8980% | 1,508 |
| Earnings coverage of net charge-offs (x) | 3.4776% | 3,712 |
| Efficiency ratio | 78.5795% | 2,350 |
| Assets per employee ($millions) | 4.8436% | 2,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5846% | 6,777 |
| Loan loss allowance to noncurrent loans | 54.0152% | 4,922 |
| Noncurrent assets plus other real estate owned to assets | 1.2234% | 3,613 |
| Noncurrent loans to loans | 1.0823% | 4,041 |
| Net loans and leases to total assets | 81.5836% | 354 |
| Net loans and leases to deposits | 123.2445% | 59 |
| Net loans and leases to core deposits | 150.5424% | 102 |
| Total domestic deposits to total assets | 66.1966% | 6,895 |
| Equity capital to assets | 8.1367% | 6,333 |
| Core capital (leverage) ratio | 8.1192% | 6,071 |
| Tier 1 risk-based capital ratio | 16.1029% | 3,105 |
| Total risk-based capital ratio | 17.0547% | 3,223 |
| Memoranda: | ||
| Average total assets | $266,680,600 | 2,377 |
| Average earning assets | $244,776,400 | 2,371 |
| Average equity | $21,359,200 | 3,058 |
| Average total loans | $216,241,600 | 1,872 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1575% | 1,278 |
| Cost of funding earning assets | 2.1498% | 20 |
| Net interest margin | 3.0076% | 6,157 |
| Noninterest income to average assets | 0.1864% | 6,182 |
| Noninterest expense to average assets | 2.3892% | 5,430 |
| Loan and lease loss provision to assets | 0.3609% | 1,796 |
| Net operating income to assets | 0.1173% | 6,098 |
| Return on assets (ROA) | 0.1305% | 6,215 |
| Pretax return on assets | 0.2189% | 6,090 |
| Return on Equity (ROE) | 1.6353% | 6,116 |
| Retained earnings to average equity (ytd only) | 1.6353% | 5,511 |
| Net charge-offs to loans | 0.2300% | 3,343 |
| Credit loss provision to net charge-offs | 194.0860% | 1,432 |
| Earnings coverage of net charge-offs (x) | 3.0080% | 3,829 |
| Efficiency ratio | 81.0307% | 1,932 |
| Assets per employee ($millions) | 4.8237% | 2,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5818% | 6,886 |
| Loan loss allowance to noncurrent loans | 41.0081% | 5,604 |
| Noncurrent assets plus other real estate owned to assets | 1.5160% | 3,310 |
| Noncurrent loans to loans | 1.4188% | 3,673 |
| Net loans and leases to total assets | 81.2183% | 410 |
| Net loans and leases to deposits | 123.9250% | 60 |
| Net loans and leases to core deposits | 152.0023% | 106 |
| Total domestic deposits to total assets | 65.5383% | 6,988 |
| Equity capital to assets | 8.0548% | 6,565 |
| Core capital (leverage) ratio | 8.0310% | 6,299 |
| Tier 1 risk-based capital ratio | 15.9961% | 3,260 |
| Total risk-based capital ratio | 16.9432% | 3,395 |
| Memoranda: | ||
| Average total assets | $266,751,000 | 2,400 |
| Average earning assets | $244,972,750 | 2,402 |
| Average equity | $21,280,000 | 3,095 |
| Average total loans | $215,648,000 | 1,891 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1933% | 1,273 |
| Cost of funding earning assets | 2.1745% | 21 |
| Net interest margin | 3.0188% | 6,201 |
| Noninterest income to average assets | 0.2036% | 6,104 |
| Noninterest expense to average assets | 2.4031% | 5,454 |
| Loan and lease loss provision to assets | 0.4131% | 1,590 |
| Net operating income to assets | 0.0807% | 6,202 |
| Return on assets (ROA) | 0.0950% | 6,326 |
| Pretax return on assets | 0.1766% | 6,183 |
| Return on Equity (ROE) | 1.1953% | 6,262 |
| Retained earnings to average equity (ytd only) | 1.1953% | 5,593 |
| Net charge-offs to loans | 0.2638% | 3,000 |
| Credit loss provision to net charge-offs | 194.3662% | 1,456 |
| Earnings coverage of net charge-offs (x) | 2.6690% | 3,673 |
| Efficiency ratio | 80.9020% | 2,047 |
| Assets per employee ($millions) | 4.5117% | 2,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5435% | 6,987 |
| Loan loss allowance to noncurrent loans | 58.0788% | 4,736 |
| Noncurrent assets plus other real estate owned to assets | 1.1199% | 4,152 |
| Noncurrent loans to loans | 0.9358% | 4,643 |
| Net loans and leases to total assets | 81.0501% | 396 |
| Net loans and leases to deposits | 122.6962% | 63 |
| Net loans and leases to core deposits | 149.3745% | 110 |
| Total domestic deposits to total assets | 66.0576% | 7,047 |
| Equity capital to assets | 7.9781% | 6,579 |
| Core capital (leverage) ratio | 7.9556% | 6,316 |
| Tier 1 risk-based capital ratio | 15.9858% | 3,173 |
| Total risk-based capital ratio | 16.8761% | 3,337 |
| Memoranda: | ||
| Average total assets | $267,232,670 | 2,394 |
| Average earning assets | $244,932,670 | 2,400 |
| Average equity | $21,250,000 | 3,085 |
| Average total loans | $215,284,670 | 1,899 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2425% | 1,224 |
| Cost of funding earning assets | 2.2185% | 22 |
| Net interest margin | 3.0240% | 6,240 |
| Noninterest income to average assets | 0.2271% | 5,996 |
| Noninterest expense to average assets | 2.3290% | 5,693 |
| Loan and lease loss provision to assets | 0.1195% | 3,851 |
| Net operating income to assets | 0.4282% | 5,131 |
| Return on assets (ROA) | 0.4497% | 5,227 |
| Pretax return on assets | 0.5647% | 5,225 |
| Return on Equity (ROE) | 5.6641% | 4,470 |
| Retained earnings to average equity (ytd only) | 5.6641% | 3,160 |
| Net charge-offs to loans | 0.2630% | 2,616 |
| Credit loss provision to net charge-offs | 56.7376% | 3,172 |
| Earnings coverage of net charge-offs (x) | 3.1206% | 2,954 |
| Efficiency ratio | 77.9890% | 2,495 |
| Assets per employee ($millions) | 4.9541% | 2,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3972% | 7,137 |
| Loan loss allowance to noncurrent loans | 46.5498% | 5,280 |
| Noncurrent assets plus other real estate owned to assets | 1.3528% | 3,856 |
| Noncurrent loans to loans | 0.8533% | 4,966 |
| Net loans and leases to total assets | 79.6727% | 440 |
| Net loans and leases to deposits | 120.8953% | 68 |
| Net loans and leases to core deposits | 143.1290% | 131 |
| Total domestic deposits to total assets | 65.9022% | 7,109 |
| Equity capital to assets | 8.0023% | 6,523 |
| Core capital (leverage) ratio | 7.9806% | 6,273 |
| Tier 1 risk-based capital ratio | 16.1089% | 3,119 |
| Total risk-based capital ratio | 16.7504% | 3,424 |
| Memoranda: | ||
| Average total assets | $267,753,000 | 2,407 |
| Average earning assets | $244,309,500 | 2,417 |
| Average equity | $21,256,500 | 3,080 |
| Average total loans | $214,463,000 | 1,910 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2958% | 1,716 |
| Cost of funding earning assets | 2.4444% | 29 |
| Net interest margin | 2.8514% | 6,759 |
| Noninterest income to average assets | 0.1916% | 6,131 |
| Noninterest expense to average assets | 2.4282% | 5,704 |
| Loan and lease loss provision to assets | 0.0932% | 5,433 |
| Net operating income to assets | 0.2769% | 5,342 |
| Return on assets (ROA) | 0.3025% | 5,396 |
| Pretax return on assets | 0.2912% | 5,582 |
| Return on Equity (ROE) | 3.8803% | 4,910 |
| Retained earnings to average equity (ytd only) | 3.8803% | 3,451 |
| Net charge-offs to loans | 0.1594% | 4,870 |
| Credit loss provision to net charge-offs | 73.8095% | 4,705 |
| Earnings coverage of net charge-offs (x) | 2.8423% | 3,790 |
| Efficiency ratio | 87.1242% | 1,426 |
| Assets per employee ($millions) | 4.8724% | 2,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4155% | 7,158 |
| Loan loss allowance to noncurrent loans | 35.1436% | 5,881 |
| Noncurrent assets plus other real estate owned to assets | 1.3893% | 3,915 |
| Noncurrent loans to loans | 1.1822% | 4,393 |
| Net loans and leases to total assets | 79.8708% | 510 |
| Net loans and leases to deposits | 121.1208% | 80 |
| Net loans and leases to core deposits | 145.7509% | 147 |
| Total domestic deposits to total assets | 65.9431% | 7,131 |
| Equity capital to assets | 7.8755% | 6,648 |
| Core capital (leverage) ratio | 7.8541% | 6,397 |
| Tier 1 risk-based capital ratio | 15.8875% | 3,102 |
| Total risk-based capital ratio | 16.5618% | 3,402 |
| Memoranda: | ||
| Average total assets | $266,125,000 | 2,369 |
| Average earning assets | $242,229,800 | 2,383 |
| Average equity | $20,746,000 | 3,041 |
| Average total loans | $210,845,200 | 1,947 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3088% | 1,822 |
| Cost of funding earning assets | 2.4869% | 30 |
| Net interest margin | 2.8219% | 6,863 |
| Noninterest income to average assets | 0.1706% | 6,367 |
| Noninterest expense to average assets | 2.3689% | 5,852 |
| Loan and lease loss provision to assets | 0.1059% | 5,118 |
| Net operating income to assets | 0.2841% | 5,455 |
| Return on assets (ROA) | 0.3082% | 5,541 |
| Pretax return on assets | 0.2941% | 5,714 |
| Return on Equity (ROE) | 3.9632% | 5,008 |
| Retained earnings to average equity (ytd only) | 3.9632% | 3,896 |
| Net charge-offs to loans | 0.1671% | 4,454 |
| Credit loss provision to net charge-offs | 80.2281% | 4,135 |
| Earnings coverage of net charge-offs (x) | 2.8479% | 3,719 |
| Efficiency ratio | 86.3046% | 1,506 |
| Assets per employee ($millions) | 4.8344% | 2,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4414% | 7,200 |
| Loan loss allowance to noncurrent loans | 34.4202% | 6,002 |
| Noncurrent assets plus other real estate owned to assets | 1.4400% | 3,962 |
| Noncurrent loans to loans | 1.2824% | 4,386 |
| Net loans and leases to total assets | 78.8062% | 626 |
| Net loans and leases to deposits | 120.1359% | 87 |
| Net loans and leases to core deposits | 144.1611% | 160 |
| Total domestic deposits to total assets | 65.5976% | 7,208 |
| Equity capital to assets | 7.8697% | 6,770 |
| Core capital (leverage) ratio | 7.8452% | 6,531 |
| Tier 1 risk-based capital ratio | 16.0019% | 3,118 |
| Total risk-based capital ratio | 16.7149% | 3,378 |
| Memoranda: | ||
| Average total assets | $265,660,250 | 2,384 |
| Average earning assets | $242,335,250 | 2,383 |
| Average equity | $20,656,250 | 3,056 |
| Average total loans | $209,823,000 | 1,974 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3331% | 1,776 |
| Cost of funding earning assets | 2.5182% | 31 |
| Net interest margin | 2.8149% | 6,905 |
| Noninterest income to average assets | 0.2078% | 6,179 |
| Noninterest expense to average assets | 2.3601% | 5,963 |
| Loan and lease loss provision to assets | 0.1009% | 5,053 |
| Net operating income to assets | 0.3306% | 5,244 |
| Return on assets (ROA) | 0.3366% | 5,360 |
| Pretax return on assets | 0.3246% | 5,612 |
| Return on Equity (ROE) | 4.3468% | 4,765 |
| Retained earnings to average equity (ytd only) | 4.3468% | 3,428 |
| Net charge-offs to loans | 0.1613% | 4,209 |
| Credit loss provision to net charge-offs | 79.2899% | 3,791 |
| Earnings coverage of net charge-offs (x) | 3.2959% | 3,222 |
| Efficiency ratio | 84.9092% | 1,713 |
| Assets per employee ($millions) | 4.8007% | 2,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4505% | 7,258 |
| Loan loss allowance to noncurrent loans | 38.4959% | 5,747 |
| Noncurrent assets plus other real estate owned to assets | 1.4293% | 4,069 |
| Noncurrent loans to loans | 1.1702% | 4,698 |
| Net loans and leases to total assets | 79.2593% | 616 |
| Net loans and leases to deposits | 117.7933% | 99 |
| Net loans and leases to core deposits | 141.2572% | 181 |
| Total domestic deposits to total assets | 67.2868% | 7,226 |
| Equity capital to assets | 7.8803% | 6,753 |
| Core capital (leverage) ratio | 7.8533% | 6,454 |
| Tier 1 risk-based capital ratio | 15.9181% | 3,021 |
| Total risk-based capital ratio | 16.6454% | 3,243 |
| Memoranda: | ||
| Average total assets | $265,582,330 | 2,401 |
| Average earning assets | $242,635,330 | 2,396 |
| Average equity | $20,566,670 | 3,055 |
| Average total loans | $209,607,330 | 2,003 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3382% | 1,758 |
| Cost of funding earning assets | 2.5220% | 37 |
| Net interest margin | 2.8161% | 6,880 |
| Noninterest income to average assets | 0.2117% | 6,220 |
| Noninterest expense to average assets | 2.2661% | 6,266 |
| Loan and lease loss provision to assets | 0.0225% | 5,676 |
| Net operating income to assets | 0.4565% | 4,684 |
| Return on assets (ROA) | 0.4565% | 4,771 |
| Pretax return on assets | 0.4971% | 5,038 |
| Return on Equity (ROE) | 5.9472% | 3,934 |
| Retained earnings to average equity (ytd only) | 5.9472% | 2,671 |
| Net charge-offs to loans | 0.0898% | 4,049 |
| Credit loss provision to net charge-offs | 31.9149% | 4,084 |
| Earnings coverage of net charge-offs (x) | 7.3617% | 1,962 |
| Efficiency ratio | 81.3477% | 2,327 |
| Assets per employee ($millions) | 4.9033% | 2,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4537% | 7,312 |
| Loan loss allowance to noncurrent loans | 44.9598% | 5,305 |
| Noncurrent assets plus other real estate owned to assets | 1.2960% | 4,374 |
| Noncurrent loans to loans | 1.0090% | 5,037 |
| Net loans and leases to total assets | 77.2982% | 828 |
| Net loans and leases to deposits | 113.4766% | 138 |
| Net loans and leases to core deposits | 135.7964% | 226 |
| Total domestic deposits to total assets | 68.1182% | 7,261 |
| Equity capital to assets | 7.6401% | 6,791 |
| Core capital (leverage) ratio | 7.6295% | 6,625 |
| Tier 1 risk-based capital ratio | 15.6667% | 3,071 |
| Total risk-based capital ratio | 16.3902% | 3,312 |
| Memoranda: | ||
| Average total assets | $266,355,000 | 2,415 |
| Average earning assets | $243,454,500 | 2,415 |
| Average equity | $20,446,500 | 3,059 |
| Average total loans | $209,300,500 | 2,019 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5687% | 2,013 |
| Cost of funding earning assets | 2.7607% | 47 |
| Net interest margin | 2.8080% | 7,019 |
| Noninterest income to average assets | 0.2695% | 5,861 |
| Noninterest expense to average assets | 2.3100% | 6,330 |
| Loan and lease loss provision to assets | 0.4323% | 3,528 |
| Net operating income to assets | -0.0134% | 5,862 |
| Return on assets (ROA) | 0.0019% | 5,957 |
| Pretax return on assets | 0.1082% | 5,686 |
| Return on Equity (ROE) | 0.0244% | 5,957 |
| Retained earnings to average equity (ytd only) | 0.0244% | 5,566 |
| Net charge-offs to loans | 0.3126% | 4,459 |
| Credit loss provision to net charge-offs | 174.1018% | 1,931 |
| Earnings coverage of net charge-offs (x) | 2.0808% | 4,163 |
| Efficiency ratio | 81.7226% | 2,200 |
| Assets per employee ($millions) | 4.7823% | 2,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4694% | 7,385 |
| Loan loss allowance to noncurrent loans | 38.6766% | 5,720 |
| Noncurrent assets plus other real estate owned to assets | 1.4770% | 4,105 |
| Noncurrent loans to loans | 1.2137% | 4,704 |
| Net loans and leases to total assets | 79.1587% | 775 |
| Net loans and leases to deposits | 115.7573% | 146 |
| Net loans and leases to core deposits | 138.2689% | 239 |
| Total domestic deposits to total assets | 68.3834% | 7,311 |
| Equity capital to assets | 7.7137% | 6,744 |
| Core capital (leverage) ratio | 7.7073% | 6,538 |
| Tier 1 risk-based capital ratio | 15.5382% | 2,982 |
| Total risk-based capital ratio | 16.2909% | 3,179 |
| Memoranda: | ||
| Average total assets | $269,052,600 | 2,368 |
| Average earning assets | $245,011,600 | 2,379 |
| Average equity | $20,489,400 | 3,076 |
| Average total loans | $213,674,600 | 2,028 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6223% | 1,984 |
| Cost of funding earning assets | 2.7776% | 53 |
| Net interest margin | 2.8448% | 7,088 |
| Noninterest income to average assets | 0.2834% | 5,845 |
| Noninterest expense to average assets | 2.3023% | 6,321 |
| Loan and lease loss provision to assets | 0.3006% | 4,166 |
| Net operating income to assets | 0.1577% | 5,623 |
| Return on assets (ROA) | 0.1779% | 5,736 |
| Pretax return on assets | 0.2991% | 5,511 |
| Return on Equity (ROE) | 2.3434% | 5,477 |
| Retained earnings to average equity (ytd only) | 2.3434% | 4,763 |
| Net charge-offs to loans | 0.3085% | 4,110 |
| Credit loss provision to net charge-offs | 122.7364% | 3,346 |
| Earnings coverage of net charge-offs (x) | 2.3199% | 4,007 |
| Efficiency ratio | 80.2060% | 2,309 |
| Assets per employee ($millions) | 4.9534% | 2,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2817% | 7,602 |
| Loan loss allowance to noncurrent loans | 44.9102% | 5,276 |
| Noncurrent assets plus other real estate owned to assets | 0.9635% | 5,162 |
| Noncurrent loans to loans | 0.6272% | 5,951 |
| Net loans and leases to total assets | 77.9645% | 1,042 |
| Net loans and leases to deposits | 115.8644% | 159 |
| Net loans and leases to core deposits | 138.1586% | 278 |
| Total domestic deposits to total assets | 67.2894% | 7,411 |
| Equity capital to assets | 7.5896% | 7,068 |
| Core capital (leverage) ratio | 7.5783% | 6,782 |
| Tier 1 risk-based capital ratio | 15.5264% | 2,983 |
| Total risk-based capital ratio | 15.9777% | 3,363 |
| Memoranda: | ||
| Average total assets | $270,559,250 | 2,386 |
| Average earning assets | $246,060,000 | 2,409 |
| Average equity | $20,539,500 | 3,114 |
| Average total loans | $214,795,750 | 2,051 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6732% | 1,861 |
| Cost of funding earning assets | 2.7963% | 64 |
| Net interest margin | 2.8769% | 7,037 |
| Noninterest income to average assets | 0.3016% | 5,743 |
| Noninterest expense to average assets | 2.2791% | 6,407 |
| Loan and lease loss provision to assets | 0.2519% | 4,403 |
| Net operating income to assets | 0.2615% | 5,330 |
| Return on assets (ROA) | 0.2630% | 5,470 |
| Pretax return on assets | 0.3927% | 5,251 |
| Return on Equity (ROE) | 3.4645% | 5,029 |
| Retained earnings to average equity (ytd only) | 3.4645% | 3,896 |
| Net charge-offs to loans | 0.2953% | 3,847 |
| Credit loss provision to net charge-offs | 106.9182% | 3,819 |
| Earnings coverage of net charge-offs (x) | 2.7264% | 3,632 |
| Efficiency ratio | 78.0117% | 2,726 |
| Assets per employee ($millions) | 4.3924% | 3,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2360% | 7,690 |
| Loan loss allowance to noncurrent loans | 30.8859% | 6,305 |
| Noncurrent assets plus other real estate owned to assets | 0.9842% | 5,167 |
| Noncurrent loans to loans | 0.7642% | 5,747 |
| Net loans and leases to total assets | 80.2944% | 758 |
| Net loans and leases to deposits | 119.4008% | 129 |
| Net loans and leases to core deposits | 139.7703% | 290 |
| Total domestic deposits to total assets | 67.2478% | 7,465 |
| Equity capital to assets | 7.7208% | 6,984 |
| Core capital (leverage) ratio | 7.6971% | 6,612 |
| Tier 1 risk-based capital ratio | 15.2021% | 3,057 |
| Total risk-based capital ratio | 15.5775% | 3,496 |
| Memoranda: | ||
| Average total assets | $269,933,000 | 2,423 |
| Average earning assets | $245,821,670 | 2,433 |
| Average equity | $20,493,670 | 3,107 |
| Average total loans | $215,392,670 | 2,078 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6608% | 1,917 |
| Cost of funding earning assets | 2.8199% | 77 |
| Net interest margin | 2.8409% | 7,117 |
| Noninterest income to average assets | 0.3263% | 5,536 |
| Noninterest expense to average assets | 2.3106% | 6,347 |
| Loan and lease loss provision to assets | 0.1993% | 4,513 |
| Net operating income to assets | 0.3071% | 5,271 |
| Return on assets (ROA) | 0.3071% | 5,402 |
| Pretax return on assets | 0.4031% | 5,284 |
| Return on Equity (ROE) | 4.0790% | 4,860 |
| Retained earnings to average equity (ytd only) | 4.0790% | 3,706 |
| Net charge-offs to loans | 0.2471% | 3,463 |
| Credit loss provision to net charge-offs | 101.5038% | 3,349 |
| Earnings coverage of net charge-offs (x) | 3.0677% | 3,028 |
| Efficiency ratio | 79.3208% | 2,671 |
| Assets per employee ($millions) | 4.4320% | 3,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2271% | 7,799 |
| Loan loss allowance to noncurrent loans | 23.1644% | 6,847 |
| Noncurrent assets plus other real estate owned to assets | 1.1259% | 4,906 |
| Noncurrent loans to loans | 0.9804% | 5,367 |
| Net loans and leases to total assets | 79.4625% | 917 |
| Net loans and leases to deposits | 118.3744% | 161 |
| Net loans and leases to core deposits | 137.3776% | 364 |
| Total domestic deposits to total assets | 67.1282% | 7,570 |
| Equity capital to assets | 7.5846% | 7,006 |
| Core capital (leverage) ratio | 7.5639% | 6,778 |
| Tier 1 risk-based capital ratio | 14.8607% | 3,177 |
| Total risk-based capital ratio | 15.2162% | 3,639 |
| Memoranda: | ||
| Average total assets | $270,930,000 | 2,464 |
| Average earning assets | $246,679,000 | 2,484 |
| Average equity | $20,397,000 | 3,149 |
| Average total loans | $215,264,500 | 2,124 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8322% | 2,518 |
| Cost of funding earning assets | 3.0681% | 189 |
| Net interest margin | 2.7641% | 7,118 |
| Noninterest income to average assets | 0.3045% | 5,918 |
| Noninterest expense to average assets | 2.3211% | 6,690 |
| Loan and lease loss provision to assets | 0.0495% | 7,067 |
| Net operating income to assets | 0.3855% | 4,182 |
| Return on assets (ROA) | -0.1069% | 5,695 |
| Pretax return on assets | -0.0287% | 5,494 |
| Return on Equity (ROE) | -1.4972% | 5,776 |
| Retained earnings to average equity (ytd only) | -1.4972% | 5,392 |
| Net charge-offs to loans | 0.1755% | 5,547 |
| Credit loss provision to net charge-offs | 35.7513% | 6,864 |
| Earnings coverage of net charge-offs (x) | 3.7073% | 3,233 |
| Efficiency ratio | 81.8930% | 2,611 |
| Assets per employee ($millions) | 4.4510% | 3,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2263% | 7,871 |
| Loan loss allowance to noncurrent loans | 27.4521% | 6,641 |
| Noncurrent assets plus other real estate owned to assets | 0.8758% | 5,361 |
| Noncurrent loans to loans | 0.8243% | 5,644 |
| Net loans and leases to total assets | 79.0859% | 1,162 |
| Net loans and leases to deposits | 118.0209% | 202 |
| Net loans and leases to core deposits | 198.2239% | 108 |
| Total domestic deposits to total assets | 67.0101% | 7,599 |
| Equity capital to assets | 7.4727% | 7,053 |
| Core capital (leverage) ratio | 7.4534% | 6,832 |
| Tier 1 risk-based capital ratio | 14.5933% | 3,156 |
| Total risk-based capital ratio | 14.9446% | 3,627 |
| Memoranda: | ||
| Average total assets | $278,827,600 | 2,359 |
| Average earning assets | $255,203,800 | 2,363 |
| Average equity | $19,903,400 | 3,218 |
| Average total loans | $219,958,600 | 2,107 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8586% | 2,633 |
| Cost of funding earning assets | 3.1096% | 237 |
| Net interest margin | 2.7490% | 7,133 |
| Noninterest income to average assets | 0.2917% | 6,146 |
| Noninterest expense to average assets | 2.2062% | 6,959 |
| Loan and lease loss provision to assets | 0.0432% | 6,939 |
| Net operating income to assets | 0.5009% | 3,979 |
| Return on assets (ROA) | 0.4831% | 4,155 |
| Pretax return on assets | 0.5430% | 4,388 |
| Return on Equity (ROE) | 6.8459% | 3,140 |
| Retained earnings to average equity (ytd only) | 6.8459% | 1,571 |
| Net charge-offs to loans | 0.2273% | 4,636 |
| Credit loss provision to net charge-offs | 24.1379% | 6,541 |
| Earnings coverage of net charge-offs (x) | 3.3846% | 3,553 |
| Efficiency ratio | 78.4459% | 3,094 |
| Assets per employee ($millions) | 4.5888% | 2,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2083% | 7,969 |
| Loan loss allowance to noncurrent loans | 34.6184% | 6,114 |
| Noncurrent assets plus other real estate owned to assets | 0.6214% | 5,895 |
| Noncurrent loans to loans | 0.6017% | 6,102 |
| Net loans and leases to total assets | 78.1323% | 1,541 |
| Net loans and leases to deposits | 117.1237% | 252 |
| Net loans and leases to core deposits | 195.4943% | 115 |
| Total domestic deposits to total assets | 66.7092% | 7,651 |
| Equity capital to assets | 7.3621% | 7,390 |
| Core capital (leverage) ratio | 7.3395% | 7,149 |
| Tier 1 risk-based capital ratio | 14.6256% | 3,210 |
| Total risk-based capital ratio | 14.9507% | 3,661 |
| Memoranda: | ||
| Average total assets | $280,657,000 | 2,359 |
| Average earning assets | $257,346,250 | 2,360 |
| Average equity | $19,807,000 | 3,271 |
| Average total loans | $221,145,000 | 2,116 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8859% | 2,654 |
| Cost of funding earning assets | 3.1554% | 298 |
| Net interest margin | 2.7306% | 7,137 |
| Noninterest income to average assets | 0.3095% | 6,034 |
| Noninterest expense to average assets | 2.2143% | 7,021 |
| Loan and lease loss provision to assets | 0.0014% | 7,152 |
| Net operating income to assets | 0.5991% | 3,677 |
| Return on assets (ROA) | 0.5169% | 4,140 |
| Pretax return on assets | 0.5148% | 4,571 |
| Return on Equity (ROE) | 7.4290% | 3,018 |
| Retained earnings to average equity (ytd only) | 7.4290% | 1,424 |
| Net charge-offs to loans | 0.3067% | 3,654 |
| Credit loss provision to net charge-offs | 0.5848% | 6,235 |
| Earnings coverage of net charge-offs (x) | 2.4708% | 3,828 |
| Efficiency ratio | 78.7261% | 3,231 |
| Assets per employee ($millions) | 4.4535% | 2,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1832% | 8,075 |
| Loan loss allowance to noncurrent loans | 29.3899% | 6,533 |
| Noncurrent assets plus other real estate owned to assets | 0.6943% | 5,672 |
| Noncurrent loans to loans | 0.6234% | 6,004 |
| Net loans and leases to total assets | 76.7062% | 2,014 |
| Net loans and leases to deposits | 115.4681% | 349 |
| Net loans and leases to core deposits | 188.5964% | 165 |
| Total domestic deposits to total assets | 66.4306% | 7,713 |
| Equity capital to assets | 7.0810% | 7,560 |
| Core capital (leverage) ratio | 7.0558% | 7,496 |
| Tier 1 risk-based capital ratio | 13.7402% | 3,665 |
| Total risk-based capital ratio | 14.0145% | 4,227 |
| Memoranda: | ||
| Average total assets | $282,433,330 | 2,358 |
| Average earning assets | $258,921,670 | 2,362 |
| Average equity | $19,652,670 | 3,300 |
| Average total loans | $223,003,670 | 2,138 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9295% | 2,652 |
| Cost of funding earning assets | 3.1881% | 358 |
| Net interest margin | 2.7414% | 7,117 |
| Noninterest income to average assets | 0.2357% | 6,573 |
| Noninterest expense to average assets | 1.9353% | 7,480 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8032% | 3,115 |
| Return on assets (ROA) | 0.8032% | 3,272 |
| Pretax return on assets | 0.8216% | 4,000 |
| Return on Equity (ROE) | 11.6446% | 1,774 |
| Retained earnings to average equity (ytd only) | 11.6446% | 860 |
| Net charge-offs to loans | 0.1394% | 3,842 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 7.3671% | 2,354 |
| Efficiency ratio | 70.1997% | 4,530 |
| Assets per employee ($millions) | 4.4808% | 2,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2928% | 8,035 |
| Loan loss allowance to noncurrent loans | 52.4380% | 5,053 |
| Noncurrent assets plus other real estate owned to assets | 0.7278% | 5,340 |
| Noncurrent loans to loans | 0.5583% | 6,019 |
| Net loans and leases to total assets | 77.9004% | 1,846 |
| Net loans and leases to deposits | 118.5645% | 321 |
| Net loans and leases to core deposits | 188.6250% | 189 |
| Total domestic deposits to total assets | 65.7030% | 7,754 |
| Equity capital to assets | 6.9061% | 7,722 |
| Core capital (leverage) ratio | 6.8423% | 7,737 |
| Tier 1 risk-based capital ratio | 13.0718% | 4,141 |
| Total risk-based capital ratio | 13.5093% | 4,648 |
| Memoranda: | ||
| Average total assets | $283,366,000 | 2,374 |
| Average earning assets | $260,596,500 | 2,360 |
| Average equity | $19,545,500 | 3,335 |
| Average total loans | $226,701,500 | 2,125 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2222% | 4,405 |
| Cost of funding earning assets | 3.5889% | 402 |
| Net interest margin | 2.6333% | 7,603 |
| Noninterest income to average assets | 0.3406% | 6,012 |
| Noninterest expense to average assets | 2.4015% | 6,387 |
| Loan and lease loss provision to assets | 0.0909% | 6,242 |
| Net operating income to assets | 0.2162% | 5,803 |
| Return on assets (ROA) | 0.2465% | 5,532 |
| Pretax return on assets | 0.3118% | 5,485 |
| Return on Equity (ROE) | 3.4609% | 5,055 |
| Retained earnings to average equity (ytd only) | 3.4609% | 2,985 |
| Net charge-offs to loans | 0.0459% | 6,130 |
| Credit loss provision to net charge-offs | 247.0588% | 1,886 |
| Earnings coverage of net charge-offs (x) | 9.9020% | 2,613 |
| Efficiency ratio | 86.8232% | 1,777 |
| Assets per employee ($millions) | 4.3743% | 2,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3205% | 8,071 |
| Loan loss allowance to noncurrent loans | 39.3258% | 6,096 |
| Noncurrent assets plus other real estate owned to assets | 0.8516% | 4,717 |
| Noncurrent loans to loans | 0.8149% | 5,009 |
| Net loans and leases to total assets | 81.6601% | 1,290 |
| Net loans and leases to deposits | 126.5956% | 264 |
| Net loans and leases to core deposits | 200.2751% | 171 |
| Total domestic deposits to total assets | 64.5047% | 7,755 |
| Equity capital to assets | 6.8889% | 7,785 |
| Core capital (leverage) ratio | 6.8521% | 7,797 |
| Tier 1 risk-based capital ratio | 12.6903% | 4,296 |
| Total risk-based capital ratio | 13.1768% | 4,769 |
| Memoranda: | ||
| Average total assets | $277,118,600 | 2,328 |
| Average earning assets | $255,229,800 | 2,327 |
| Average equity | $19,735,000 | 3,270 |
| Average total loans | $222,184,600 | 2,110 |