Home > First Federal Savings and Loan Association of Valdosta > Performance and Condition Ratios
First Federal Savings and Loan Association of Valdosta, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4396% | 676 |
| Cost of funding earning assets | 2.0964% | 1,670 |
| Net interest margin | 4.3431% | 796 |
| Noninterest income to average assets | 0.3200% | 2,730 |
| Noninterest expense to average assets | 3.2345% | 839 |
| Loan and lease loss provision to assets | 0.0500% | 1,971 |
| Net operating income to assets | 0.8229% | 2,786 |
| Return on assets (ROA) | 0.8229% | 2,786 |
| Pretax return on assets | 1.0618% | 2,593 |
| Return on Equity (ROE) | 6.5500% | 3,235 |
| Retained earnings to average equity (ytd only) | 6.5525% | 2,131 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 74.4627% | 1,392 |
| Assets per employee ($millions) | 5.9644% | 2,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4486% | 4,289 |
| Loan loss allowance to noncurrent loans | 150.9346% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.3533% | 1,912 |
| Noncurrent loans to loans | 0.2972% | 2,427 |
| Net loans and leases to total assets | 83.8500% | 253 |
| Net loans and leases to deposits | 108.2624% | 188 |
| Net loans and leases to core deposits | 121.6582% | 503 |
| Total domestic deposits to total assets | 77.4500% | 3,874 |
| Equity capital to assets | 12.4854% | 1,058 |
| Core capital (leverage) ratio | 12.6091% | 1,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $252,774,500 | 2,718 |
| Average earning assets | $234,302,000 | 2,719 |
| Average equity | $31,743,500 | 2,353 |
| Average total loans | $213,170,000 | 2,324 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3325% | 882 |
| Cost of funding earning assets | 1.9779% | 2,272 |
| Net interest margin | 4.3546% | 771 |
| Noninterest income to average assets | 0.3300% | 2,878 |
| Noninterest expense to average assets | 3.7919% | 438 |
| Loan and lease loss provision to assets | 0.0500% | 2,169 |
| Net operating income to assets | 0.4037% | 3,670 |
| Return on assets (ROA) | 0.4037% | 3,698 |
| Pretax return on assets | 0.5256% | 3,598 |
| Return on Equity (ROE) | 3.0100% | 3,857 |
| Retained earnings to average equity (ytd only) | 3.0145% | 3,033 |
| Net charge-offs to loans | 0.0169% | 2,300 |
| Credit loss provision to net charge-offs | 352.9412% | 789 |
| Earnings coverage of net charge-offs (x) | 39.5294% | 1,354 |
| Efficiency ratio | 86.7899% | 643 |
| Assets per employee ($millions) | 5.7926% | 3,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4465% | 4,309 |
| Loan loss allowance to noncurrent loans | 30.5465% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 1.2341% | 511 |
| Noncurrent loans to loans | 1.4616% | 662 |
| Net loans and leases to total assets | 84.0600% | 274 |
| Net loans and leases to deposits | 110.6606% | 169 |
| Net loans and leases to core deposits | 124.8395% | 469 |
| Total domestic deposits to total assets | 75.9600% | 3,951 |
| Equity capital to assets | 12.6328% | 995 |
| Core capital (leverage) ratio | 12.6895% | 1,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $232,863,000 | 2,795 |
| Average earning assets | $215,886,800 | 2,793 |
| Average equity | $31,182,200 | 2,329 |
| Average total loans | $201,719,600 | 2,357 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2990% | 892 |
| Cost of funding earning assets | 1.9070% | 2,445 |
| Net interest margin | 4.3920% | 726 |
| Noninterest income to average assets | 0.3300% | 2,850 |
| Noninterest expense to average assets | 3.4165% | 634 |
| Loan and lease loss provision to assets | 0.0500% | 2,008 |
| Net operating income to assets | 0.7121% | 2,958 |
| Return on assets (ROA) | 0.7121% | 2,977 |
| Pretax return on assets | 0.9376% | 2,718 |
| Return on Equity (ROE) | 5.2400% | 3,475 |
| Retained earnings to average equity (ytd only) | 5.2370% | 2,373 |
| Net charge-offs to loans | 0.0207% | 1,957 |
| Credit loss provision to net charge-offs | 290.3226% | 865 |
| Earnings coverage of net charge-offs (x) | 54.8065% | 1,154 |
| Efficiency ratio | 77.5324% | 1,260 |
| Assets per employee ($millions) | 5.6653% | 3,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4387% | 4,349 |
| Loan loss allowance to noncurrent loans | 34.5062% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 1.1108% | 585 |
| Noncurrent loans to loans | 1.2712% | 784 |
| Net loans and leases to total assets | 86.9900% | 113 |
| Net loans and leases to deposits | 116.0342% | 99 |
| Net loans and leases to core deposits | 131.7947% | 368 |
| Total domestic deposits to total assets | 74.9700% | 4,008 |
| Equity capital to assets | 13.3519% | 870 |
| Core capital (leverage) ratio | 13.3911% | 971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $228,808,500 | 2,812 |
| Average earning assets | $212,198,250 | 2,815 |
| Average equity | $31,111,250 | 2,332 |
| Average total loans | $199,571,750 | 2,364 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2045% | 907 |
| Cost of funding earning assets | 1.7711% | 2,694 |
| Net interest margin | 4.4334% | 680 |
| Noninterest income to average assets | 0.3500% | 2,689 |
| Noninterest expense to average assets | 3.4718% | 594 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 0.7122% | 2,905 |
| Return on assets (ROA) | 0.7122% | 2,925 |
| Pretax return on assets | 0.9444% | 2,641 |
| Return on Equity (ROE) | 5.2100% | 3,470 |
| Retained earnings to average equity (ytd only) | 5.2053% | 2,276 |
| Net charge-offs to loans | 0.0488% | 1,307 |
| Credit loss provision to net charge-offs | 125.0000% | 1,327 |
| Earnings coverage of net charge-offs (x) | 23.4583% | 1,539 |
| Efficiency ratio | 77.6809% | 1,321 |
| Assets per employee ($millions) | 5.4466% | 3,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4253% | 4,368 |
| Loan loss allowance to noncurrent loans | 31.9290% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 1.2088% | 460 |
| Noncurrent loans to loans | 1.3320% | 679 |
| Net loans and leases to total assets | 86.3700% | 139 |
| Net loans and leases to deposits | 115.4853% | 134 |
| Net loans and leases to core deposits | 128.3466% | 437 |
| Total domestic deposits to total assets | 74.7900% | 4,000 |
| Equity capital to assets | 13.3658% | 795 |
| Core capital (leverage) ratio | 13.7424% | 871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $225,763,667 | 2,836 |
| Average earning assets | $209,591,000 | 2,822 |
| Average equity | $30,891,667 | 2,310 |
| Average total loans | $196,792,333 | 2,378 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1064% | 932 |
| Cost of funding earning assets | 1.6526% | 2,859 |
| Net interest margin | 4.4538% | 619 |
| Noninterest income to average assets | 0.3600% | 2,553 |
| Noninterest expense to average assets | 3.5370% | 538 |
| Loan and lease loss provision to assets | 0.0500% | 1,722 |
| Net operating income to assets | 0.6915% | 2,873 |
| Return on assets (ROA) | 0.6915% | 2,891 |
| Pretax return on assets | 0.9028% | 2,657 |
| Return on Equity (ROE) | 4.9900% | 3,457 |
| Retained earnings to average equity (ytd only) | 4.9925% | 2,401 |
| Net charge-offs to loans | 0.0826% | 814 |
| Credit loss provision to net charge-offs | 75.0000% | 1,310 |
| Earnings coverage of net charge-offs (x) | 13.2500% | 1,525 |
| Efficiency ratio | 78.7063% | 1,295 |
| Assets per employee ($millions) | 5.5895% | 3,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4295% | 4,359 |
| Loan loss allowance to noncurrent loans | 31.5711% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 1.3405% | 360 |
| Noncurrent loans to loans | 1.3604% | 600 |
| Net loans and leases to total assets | 87.3100% | 105 |
| Net loans and leases to deposits | 117.2278% | 96 |
| Net loans and leases to core deposits | 130.2022% | 413 |
| Total domestic deposits to total assets | 74.4800% | 4,094 |
| Equity capital to assets | 13.8098% | 707 |
| Core capital (leverage) ratio | 13.9310% | 797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $221,544,000 | 2,864 |
| Average earning assets | $205,489,000 | 2,854 |
| Average equity | $30,686,000 | 2,324 |
| Average total loans | $193,611,000 | 2,391 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3436% | 1,221 |
| Cost of funding earning assets | 1.0494% | 2,891 |
| Net interest margin | 4.2943% | 807 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 3.3951% | 626 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.7128% | 3,287 |
| Return on assets (ROA) | 0.7128% | 3,276 |
| Pretax return on assets | 0.9223% | 3,053 |
| Return on Equity (ROE) | 4.9300% | 3,820 |
| Retained earnings to average equity (ytd only) | 4.9278% | 2,960 |
| Net charge-offs to loans | 0.0067% | 2,194 |
| Credit loss provision to net charge-offs | 1,000.0000% | 400 |
| Earnings coverage of net charge-offs (x) | 170.0000% | 668 |
| Efficiency ratio | 77.6021% | 1,039 |
| Assets per employee ($millions) | 5.2901% | 3,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4439% | 4,381 |
| Loan loss allowance to noncurrent loans | 25.3599% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 1.6621% | 206 |
| Noncurrent loans to loans | 1.7504% | 380 |
| Net loans and leases to total assets | 85.6200% | 175 |
| Net loans and leases to deposits | 116.4955% | 103 |
| Net loans and leases to core deposits | 129.5436% | 348 |
| Total domestic deposits to total assets | 73.4900% | 4,189 |
| Equity capital to assets | 14.1464% | 624 |
| Core capital (leverage) ratio | 14.4385% | 725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $208,175,750 | 2,938 |
| Average earning assets | $192,872,500 | 2,934 |
| Average equity | $30,114,000 | 2,249 |
| Average total loans | $179,356,500 | 2,457 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2474% | 1,153 |
| Cost of funding earning assets | 0.8860% | 2,971 |
| Net interest margin | 4.3614% | 740 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 3.4501% | 571 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.6869% | 3,368 |
| Return on assets (ROA) | 0.6869% | 3,371 |
| Pretax return on assets | 0.8876% | 3,200 |
| Return on Equity (ROE) | 4.7100% | 3,922 |
| Retained earnings to average equity (ytd only) | 4.7119% | 3,022 |
| Net charge-offs to loans | 0.0102% | 1,820 |
| Credit loss provision to net charge-offs | 666.6667% | 538 |
| Earnings coverage of net charge-offs (x) | 107.8889% | 894 |
| Efficiency ratio | 78.4796% | 961 |
| Assets per employee ($millions) | 5.1315% | 3,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4374% | 4,421 |
| Loan loss allowance to noncurrent loans | 39.5337% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 1.1198% | 387 |
| Noncurrent loans to loans | 1.1063% | 645 |
| Net loans and leases to total assets | 86.2300% | 144 |
| Net loans and leases to deposits | 116.0662% | 121 |
| Net loans and leases to core deposits | 129.3019% | 342 |
| Total domestic deposits to total assets | 74.3000% | 4,174 |
| Equity capital to assets | 14.4012% | 589 |
| Core capital (leverage) ratio | 14.6037% | 651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $205,269,000 | 2,966 |
| Average earning assets | $190,076,000 | 2,960 |
| Average equity | $29,924,333 | 2,266 |
| Average total loans | $176,965,333 | 2,474 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1552% | 1,011 |
| Cost of funding earning assets | 0.7075% | 3,033 |
| Net interest margin | 4.4477% | 627 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 3.5401% | 513 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.6670% | 3,534 |
| Return on assets (ROA) | 0.6670% | 3,491 |
| Pretax return on assets | 0.8742% | 3,302 |
| Return on Equity (ROE) | 4.5500% | 3,946 |
| Retained earnings to average equity (ytd only) | 4.5465% | 3,121 |
| Net charge-offs to loans | 0.0252% | 1,182 |
| Credit loss provision to net charge-offs | 272.7273% | 723 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 1,159 |
| Efficiency ratio | 79.1354% | 890 |
| Assets per employee ($millions) | 5.1333% | 3,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4325% | 4,481 |
| Loan loss allowance to noncurrent loans | 47.3132% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 0.9541% | 446 |
| Noncurrent loans to loans | 0.9142% | 826 |
| Net loans and leases to total assets | 85.8800% | 138 |
| Net loans and leases to deposits | 114.8379% | 123 |
| Net loans and leases to core deposits | 125.6830% | 332 |
| Total domestic deposits to total assets | 74.7800% | 4,245 |
| Equity capital to assets | 14.5798% | 523 |
| Core capital (leverage) ratio | 14.7461% | 621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $202,707,500 | 3,023 |
| Average earning assets | $187,693,000 | 3,013 |
| Average equity | $29,737,000 | 2,305 |
| Average total loans | $174,334,500 | 2,512 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4862% | 742 |
| Cost of funding earning assets | 0.2814% | 3,026 |
| Net interest margin | 4.2047% | 527 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 3.9710% | 338 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.2249% | 4,433 |
| Return on assets (ROA) | 0.2249% | 4,410 |
| Pretax return on assets | 0.2918% | 4,382 |
| Return on Equity (ROE) | 1.5600% | 4,425 |
| Retained earnings to average equity (ytd only) | 1.5562% | 4,085 |
| Net charge-offs to loans | -0.0111% | 3,859 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 92.1005% | 260 |
| Assets per employee ($millions) | 4.5473% | 4,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4354% | 4,483 |
| Loan loss allowance to noncurrent loans | 25.7675% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 1.6188% | 182 |
| Noncurrent loans to loans | 1.6897% | 369 |
| Net loans and leases to total assets | 85.3700% | 192 |
| Net loans and leases to deposits | 108.6704% | 183 |
| Net loans and leases to core deposits | 116.8393% | 431 |
| Total domestic deposits to total assets | 78.5600% | 4,039 |
| Equity capital to assets | 14.7624% | 492 |
| Core capital (leverage) ratio | 14.8755% | 589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $204,935,400 | 3,015 |
| Average earning assets | $190,451,400 | 2,998 |
| Average equity | $29,622,800 | 2,348 |
| Average total loans | $162,736,000 | 2,519 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1727% | 673 |
| Cost of funding earning assets | 0.2764% | 1,943 |
| Net interest margin | 3.8963% | 609 |
| Noninterest income to average assets | 0.4387% | 2,515 |
| Noninterest expense to average assets | 3.3709% | 496 |
| Loan and lease loss provision to assets | 0.0382% | 1,902 |
| Net operating income to assets | 0.4913% | 3,918 |
| Return on assets (ROA) | 0.4913% | 3,866 |
| Pretax return on assets | 0.6537% | 3,704 |
| Return on Equity (ROE) | 3.4801% | 4,139 |
| Retained earnings to average equity (ytd only) | 3.4801% | 3,282 |
| Net charge-offs to loans | -0.0489% | 4,228 |
| Credit loss provision to net charge-offs | -102.5641% | 3,112 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9687% | 740 |
| Assets per employee ($millions) | 4.4651% | 4,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4390% | 4,599 |
| Loan loss allowance to noncurrent loans | 36.2845% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 1.1417% | 379 |
| Noncurrent loans to loans | 1.2099% | 657 |
| Net loans and leases to total assets | 80.0250% | 404 |
| Net loans and leases to deposits | 96.4051% | 415 |
| Net loans and leases to core deposits | 99.6208% | 685 |
| Total domestic deposits to total assets | 83.0091% | 3,873 |
| Equity capital to assets | 14.7837% | 425 |
| Core capital (leverage) ratio | 14.3512% | 566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $209,260,667 | 3,033 |
| Average earning assets | $194,644,000 | 3,031 |
| Average equity | $29,539,333 | 2,440 |
| Average total loans | $159,458,333 | 2,555 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0438% | 709 |
| Cost of funding earning assets | 0.3524% | 1,180 |
| Net interest margin | 3.6913% | 759 |
| Noninterest income to average assets | 0.5192% | 2,048 |
| Noninterest expense to average assets | 3.2742% | 558 |
| Loan and lease loss provision to assets | 0.0375% | 1,684 |
| Net operating income to assets | 0.4835% | 3,751 |
| Return on assets (ROA) | 0.4835% | 3,716 |
| Pretax return on assets | 0.6428% | 3,527 |
| Return on Equity (ROE) | 3.5035% | 3,995 |
| Retained earnings to average equity (ytd only) | 3.5035% | 3,117 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7962% | 928 |
| Assets per employee ($millions) | 4.5493% | 4,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4081% | 4,642 |
| Loan loss allowance to noncurrent loans | 78.1928% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 0.5715% | 1,040 |
| Noncurrent loans to loans | 0.5220% | 1,722 |
| Net loans and leases to total assets | 77.3570% | 428 |
| Net loans and leases to deposits | 95.5404% | 294 |
| Net loans and leases to core deposits | 98.7073% | 552 |
| Total domestic deposits to total assets | 80.9679% | 4,199 |
| Equity capital to assets | 14.4263% | 459 |
| Core capital (leverage) ratio | 13.5496% | 659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $213,425,500 | 3,015 |
| Average earning assets | $198,627,000 | 3,012 |
| Average equity | $29,456,500 | 2,516 |
| Average total loans | $158,435,500 | 2,565 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9879% | 1,385 |
| Cost of funding earning assets | 0.5386% | 755 |
| Net interest margin | 3.4493% | 1,881 |
| Noninterest income to average assets | 0.3526% | 3,328 |
| Noninterest expense to average assets | 3.3932% | 556 |
| Loan and lease loss provision to assets | 0.0504% | 2,049 |
| Net operating income to assets | 0.0935% | 4,626 |
| Return on assets (ROA) | 0.0935% | 4,634 |
| Pretax return on assets | 0.1096% | 4,629 |
| Return on Equity (ROE) | 0.6936% | 4,636 |
| Retained earnings to average equity (ytd only) | 0.6936% | 4,336 |
| Net charge-offs to loans | 0.0038% | 2,475 |
| Credit loss provision to net charge-offs | 1,833.3333% | 331 |
| Earnings coverage of net charge-offs (x) | 58.1667% | 1,200 |
| Efficiency ratio | 95.4962% | 205 |
| Assets per employee ($millions) | 4.9363% | 3,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3991% | 4,684 |
| Loan loss allowance to noncurrent loans | 27.3913% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 1.1934% | 415 |
| Noncurrent loans to loans | 1.4570% | 633 |
| Net loans and leases to total assets | 70.7812% | 948 |
| Net loans and leases to deposits | 99.6792% | 200 |
| Net loans and leases to core deposits | 103.1598% | 429 |
| Total domestic deposits to total assets | 71.0089% | 4,666 |
| Equity capital to assets | 13.2263% | 843 |
| Core capital (leverage) ratio | 13.3950% | 707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $218,081,800 | 2,925 |
| Average earning assets | $202,362,800 | 2,937 |
| Average equity | $29,411,800 | 2,574 |
| Average total loans | $157,031,600 | 2,574 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0229% | 1,487 |
| Cost of funding earning assets | 0.5618% | 781 |
| Net interest margin | 3.4611% | 1,974 |
| Noninterest income to average assets | 0.3427% | 3,397 |
| Noninterest expense to average assets | 3.1172% | 796 |
| Loan and lease loss provision to assets | 0.0553% | 1,881 |
| Net operating income to assets | 0.2942% | 4,527 |
| Return on assets (ROA) | 0.2942% | 4,550 |
| Pretax return on assets | 0.3790% | 4,517 |
| Return on Equity (ROE) | 2.1708% | 4,573 |
| Retained earnings to average equity (ytd only) | 2.1708% | 4,145 |
| Net charge-offs to loans | -0.0051% | 3,441 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7724% | 376 |
| Assets per employee ($millions) | 4.6700% | 3,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3880% | 4,776 |
| Loan loss allowance to noncurrent loans | 30.4860% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 1.1116% | 565 |
| Noncurrent loans to loans | 1.2727% | 863 |
| Net loans and leases to total assets | 74.2149% | 677 |
| Net loans and leases to deposits | 105.9485% | 137 |
| Net loans and leases to core deposits | 110.3515% | 318 |
| Total domestic deposits to total assets | 70.0481% | 4,732 |
| Equity capital to assets | 13.8108% | 779 |
| Core capital (leverage) ratio | 13.4449% | 744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $217,068,750 | 2,957 |
| Average earning assets | $201,242,250 | 2,977 |
| Average equity | $29,419,750 | 2,607 |
| Average total loans | $156,824,750 | 2,610 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9842% | 1,599 |
| Cost of funding earning assets | 0.5819% | 814 |
| Net interest margin | 3.4023% | 2,134 |
| Noninterest income to average assets | 0.3315% | 3,445 |
| Noninterest expense to average assets | 3.0961% | 848 |
| Loan and lease loss provision to assets | 0.0551% | 1,932 |
| Net operating income to assets | 0.2617% | 4,571 |
| Return on assets (ROA) | 0.2617% | 4,587 |
| Pretax return on assets | 0.3315% | 4,556 |
| Return on Equity (ROE) | 1.9429% | 4,601 |
| Retained earnings to average equity (ytd only) | 1.9429% | 4,125 |
| Net charge-offs to loans | -0.0064% | 3,508 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,705 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9006% | 368 |
| Assets per employee ($millions) | 4.7073% | 3,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3736% | 4,813 |
| Loan loss allowance to noncurrent loans | 22.2390% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 1.3578% | 463 |
| Noncurrent loans to loans | 1.6801% | 635 |
| Net loans and leases to total assets | 71.1062% | 1,066 |
| Net loans and leases to deposits | 104.7565% | 173 |
| Net loans and leases to core deposits | 109.5737% | 371 |
| Total domestic deposits to total assets | 67.8776% | 4,792 |
| Equity capital to assets | 13.3257% | 863 |
| Core capital (leverage) ratio | 13.3197% | 740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $217,819,000 | 2,956 |
| Average earning assets | $201,747,333 | 2,967 |
| Average equity | $29,337,000 | 2,608 |
| Average total loans | $155,750,333 | 2,631 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0811% | 1,435 |
| Cost of funding earning assets | 0.6065% | 855 |
| Net interest margin | 3.4747% | 1,899 |
| Noninterest income to average assets | 0.3165% | 3,511 |
| Noninterest expense to average assets | 3.1281% | 807 |
| Loan and lease loss provision to assets | 0.0555% | 2,001 |
| Net operating income to assets | 0.2702% | 4,560 |
| Return on assets (ROA) | 0.2702% | 4,586 |
| Pretax return on assets | 0.3461% | 4,551 |
| Return on Equity (ROE) | 1.9956% | 4,600 |
| Retained earnings to average equity (ytd only) | 1.9956% | 4,004 |
| Net charge-offs to loans | -0.0103% | 3,676 |
| Credit loss provision to net charge-offs | -750.0000% | 3,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6209% | 422 |
| Assets per employee ($millions) | 4.7837% | 3,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3627% | 4,845 |
| Loan loss allowance to noncurrent loans | 57.0991% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 0.7217% | 1,286 |
| Noncurrent loans to loans | 0.6352% | 1,987 |
| Net loans and leases to total assets | 69.7907% | 1,322 |
| Net loans and leases to deposits | 102.8958% | 220 |
| Net loans and leases to core deposits | 107.8401% | 462 |
| Total domestic deposits to total assets | 67.8266% | 4,807 |
| Equity capital to assets | 13.3239% | 827 |
| Core capital (leverage) ratio | 13.6032% | 723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $216,108,000 | 2,957 |
| Average earning assets | $199,846,500 | 2,977 |
| Average equity | $29,264,500 | 2,604 |
| Average total loans | $154,672,500 | 2,648 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6267% | 1,052 |
| Cost of funding earning assets | 0.9122% | 825 |
| Net interest margin | 3.7146% | 1,747 |
| Noninterest income to average assets | 0.3471% | 3,385 |
| Noninterest expense to average assets | 3.6855% | 536 |
| Loan and lease loss provision to assets | 0.0494% | 3,776 |
| Net operating income to assets | 0.0326% | 4,709 |
| Return on assets (ROA) | 0.0331% | 4,745 |
| Pretax return on assets | 0.0331% | 4,741 |
| Return on Equity (ROE) | 0.2285% | 4,745 |
| Retained earnings to average equity (ytd only) | 0.2285% | 4,451 |
| Net charge-offs to loans | 0.0471% | 2,124 |
| Credit loss provision to net charge-offs | 131.5789% | 2,543 |
| Earnings coverage of net charge-offs (x) | 2.1842% | 3,188 |
| Efficiency ratio | 97.8244% | 205 |
| Assets per employee ($millions) | 4.6123% | 3,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3382% | 4,887 |
| Loan loss allowance to noncurrent loans | 17.8268% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 1.8061% | 340 |
| Noncurrent loans to loans | 1.8974% | 631 |
| Net loans and leases to total assets | 72.9083% | 1,171 |
| Net loans and leases to deposits | 110.0207% | 166 |
| Net loans and leases to core deposits | 115.8625% | 369 |
| Total domestic deposits to total assets | 66.2678% | 4,844 |
| Equity capital to assets | 13.7674% | 851 |
| Core capital (leverage) ratio | 13.7367% | 734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $202,525,400 | 2,918 |
| Average earning assets | $186,481,600 | 2,941 |
| Average equity | $29,327,400 | 2,516 |
| Average total loans | $161,377,200 | 2,557 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7760% | 917 |
| Cost of funding earning assets | 0.9694% | 849 |
| Net interest margin | 3.8066% | 1,601 |
| Noninterest income to average assets | 0.3365% | 3,465 |
| Noninterest expense to average assets | 3.3700% | 827 |
| Loan and lease loss provision to assets | 0.0600% | 3,590 |
| Net operating income to assets | 0.3146% | 4,418 |
| Return on assets (ROA) | 0.3151% | 4,469 |
| Pretax return on assets | 0.4104% | 4,417 |
| Return on Equity (ROE) | 2.1482% | 4,534 |
| Retained earnings to average equity (ytd only) | 2.1482% | 3,879 |
| Net charge-offs to loans | -0.0082% | 4,177 |
| Credit loss provision to net charge-offs | -900.0000% | 3,900 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7668% | 426 |
| Assets per employee ($millions) | 4.6669% | 3,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3746% | 4,894 |
| Loan loss allowance to noncurrent loans | 18.7403% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 1.8442% | 403 |
| Noncurrent loans to loans | 1.9990% | 604 |
| Net loans and leases to total assets | 76.1036% | 1,080 |
| Net loans and leases to deposits | 115.8327% | 150 |
| Net loans and leases to core deposits | 122.0857% | 371 |
| Total domestic deposits to total assets | 65.7013% | 4,857 |
| Equity capital to assets | 14.1055% | 825 |
| Core capital (leverage) ratio | 14.2118% | 665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3290% | 389 |
| Memoranda: | ||
| Average total assets | $200,114,750 | 2,918 |
| Average earning assets | $184,166,000 | 2,941 |
| Average equity | $29,356,750 | 2,505 |
| Average total loans | $162,918,250 | 2,550 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8987% | 977 |
| Cost of funding earning assets | 1.0142% | 948 |
| Net interest margin | 3.8845% | 1,609 |
| Noninterest income to average assets | 0.3211% | 3,541 |
| Noninterest expense to average assets | 3.4093% | 839 |
| Loan and lease loss provision to assets | 0.0610% | 3,538 |
| Net operating income to assets | 0.3223% | 4,377 |
| Return on assets (ROA) | 0.3231% | 4,429 |
| Pretax return on assets | 0.4248% | 4,381 |
| Return on Equity (ROE) | 2.1730% | 4,498 |
| Retained earnings to average equity (ytd only) | 2.1730% | 3,687 |
| Net charge-offs to loans | -0.0098% | 4,206 |
| Credit loss provision to net charge-offs | -750.0000% | 3,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5522% | 472 |
| Assets per employee ($millions) | 4.5851% | 3,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3520% | 4,933 |
| Loan loss allowance to noncurrent loans | 17.1489% | 4,479 |
| Noncurrent assets plus other real estate owned to assets | 1.9328% | 391 |
| Noncurrent loans to loans | 2.0526% | 645 |
| Net loans and leases to total assets | 78.0697% | 840 |
| Net loans and leases to deposits | 119.4386% | 97 |
| Net loans and leases to core deposits | 127.7435% | 291 |
| Total domestic deposits to total assets | 65.3639% | 4,893 |
| Equity capital to assets | 14.2727% | 786 |
| Core capital (leverage) ratio | 14.6092% | 636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $196,816,000 | 2,924 |
| Average earning assets | $181,026,667 | 2,947 |
| Average equity | $29,268,000 | 2,503 |
| Average total loans | $163,748,667 | 2,533 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0986% | 799 |
| Cost of funding earning assets | 1.0592% | 1,187 |
| Net interest margin | 4.0394% | 1,289 |
| Noninterest income to average assets | 0.3499% | 3,425 |
| Noninterest expense to average assets | 3.5323% | 888 |
| Loan and lease loss provision to assets | 0.0625% | 2,981 |
| Net operating income to assets | 0.3441% | 4,250 |
| Return on assets (ROA) | 0.3457% | 4,281 |
| Pretax return on assets | 0.4665% | 4,179 |
| Return on Equity (ROE) | 2.2757% | 4,388 |
| Retained earnings to average equity (ytd only) | 2.2757% | 3,340 |
| Net charge-offs to loans | -0.0194% | 4,328 |
| Credit loss provision to net charge-offs | -375.0000% | 3,332 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0190% | 636 |
| Assets per employee ($millions) | 4.2369% | 3,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3262% | 4,979 |
| Loan loss allowance to noncurrent loans | 14.8199% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 2.1052% | 372 |
| Noncurrent loans to loans | 2.2014% | 609 |
| Net loans and leases to total assets | 84.4924% | 234 |
| Net loans and leases to deposits | 132.9335% | 31 |
| Net loans and leases to core deposits | 142.8011% | 151 |
| Total domestic deposits to total assets | 63.5599% | 4,997 |
| Equity capital to assets | 15.0212% | 752 |
| Core capital (leverage) ratio | 15.2377% | 638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5042% | 415 |
| Memoranda: | ||
| Average total assets | $192,058,500 | 2,933 |
| Average earning assets | $176,362,000 | 2,956 |
| Average equity | $29,177,500 | 2,503 |
| Average total loans | $164,797,500 | 2,491 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3632% | 721 |
| Cost of funding earning assets | 1.0183% | 1,646 |
| Net interest margin | 4.3448% | 994 |
| Noninterest income to average assets | 0.3240% | 3,754 |
| Noninterest expense to average assets | 3.9792% | 542 |
| Loan and lease loss provision to assets | 0.0437% | 3,138 |
| Net operating income to assets | 0.2194% | 4,827 |
| Return on assets (ROA) | 0.2194% | 4,849 |
| Pretax return on assets | 0.2868% | 4,831 |
| Return on Equity (ROE) | 1.4017% | 4,871 |
| Retained earnings to average equity (ytd only) | 1.4017% | 4,243 |
| Net charge-offs to loans | 0.0915% | 1,815 |
| Credit loss provision to net charge-offs | 55.1020% | 3,081 |
| Earnings coverage of net charge-offs (x) | 4.1701% | 3,250 |
| Efficiency ratio | 92.3327% | 281 |
| Assets per employee ($millions) | 4.1135% | 3,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3048% | 5,042 |
| Loan loss allowance to noncurrent loans | 12.5753% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 2.3518% | 290 |
| Noncurrent loans to loans | 2.4236% | 458 |
| Net loans and leases to total assets | 86.6092% | 137 |
| Net loans and leases to deposits | 135.3359% | 32 |
| Net loans and leases to core deposits | 144.1067% | 154 |
| Total domestic deposits to total assets | 63.9957% | 5,051 |
| Equity capital to assets | 15.3679% | 715 |
| Core capital (leverage) ratio | 15.2843% | 631 |
| Tier 1 risk-based capital ratio | 24.7625% | 768 |
| Total risk-based capital ratio | 25.1956% | 814 |
| Memoranda: | ||
| Average total assets | $185,515,400 | 2,959 |
| Average earning assets | $170,179,000 | 2,983 |
| Average equity | $29,037,000 | 2,447 |
| Average total loans | $160,635,200 | 2,503 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3523% | 773 |
| Cost of funding earning assets | 1.0073% | 1,730 |
| Net interest margin | 4.3451% | 1,064 |
| Noninterest income to average assets | 0.3330% | 3,752 |
| Noninterest expense to average assets | 3.5899% | 856 |
| Loan and lease loss provision to assets | 0.0520% | 2,867 |
| Net operating income to assets | 0.5107% | 4,489 |
| Return on assets (ROA) | 0.5107% | 4,543 |
| Pretax return on assets | 0.6732% | 4,401 |
| Return on Equity (ROE) | 3.2475% | 4,727 |
| Retained earnings to average equity (ytd only) | 3.2475% | 3,785 |
| Net charge-offs to loans | 0.0843% | 1,633 |
| Credit loss provision to net charge-offs | 71.2871% | 2,603 |
| Earnings coverage of net charge-offs (x) | 9.9408% | 2,536 |
| Efficiency ratio | 83.1938% | 674 |
| Assets per employee ($millions) | 4.0913% | 3,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3326% | 5,101 |
| Loan loss allowance to noncurrent loans | 12.7852% | 4,659 |
| Noncurrent assets plus other real estate owned to assets | 2.7789% | 211 |
| Noncurrent loans to loans | 2.6018% | 428 |
| Net loans and leases to total assets | 85.6511% | 212 |
| Net loans and leases to deposits | 134.6686% | 32 |
| Net loans and leases to core deposits | 143.5056% | 151 |
| Total domestic deposits to total assets | 63.6013% | 5,130 |
| Equity capital to assets | 15.6119% | 712 |
| Core capital (leverage) ratio | 15.7098% | 602 |
| Tier 1 risk-based capital ratio | 25.4029% | 749 |
| Total risk-based capital ratio | 25.8689% | 781 |
| Memoranda: | ||
| Average total assets | $184,589,500 | 2,999 |
| Average earning assets | $169,168,000 | 3,024 |
| Average equity | $29,026,500 | 2,459 |
| Average total loans | $159,698,500 | 2,537 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4223% | 652 |
| Cost of funding earning assets | 0.9952% | 1,720 |
| Net interest margin | 4.4271% | 894 |
| Noninterest income to average assets | 0.3326% | 3,713 |
| Noninterest expense to average assets | 3.6164% | 837 |
| Loan and lease loss provision to assets | 0.0491% | 2,840 |
| Net operating income to assets | 0.5486% | 4,425 |
| Return on assets (ROA) | 0.5486% | 4,462 |
| Pretax return on assets | 0.7231% | 4,275 |
| Return on Equity (ROE) | 3.4800% | 4,692 |
| Retained earnings to average equity (ytd only) | 3.4800% | 3,499 |
| Net charge-offs to loans | 0.1069% | 1,331 |
| Credit loss provision to net charge-offs | 52.9412% | 2,452 |
| Earnings coverage of net charge-offs (x) | 8.3294% | 2,425 |
| Efficiency ratio | 82.4056% | 776 |
| Assets per employee ($millions) | 3.9433% | 3,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3265% | 5,156 |
| Loan loss allowance to noncurrent loans | 46.7199% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 1.1854% | 1,127 |
| Noncurrent loans to loans | 0.6988% | 2,229 |
| Net loans and leases to total assets | 86.8072% | 161 |
| Net loans and leases to deposits | 137.1767% | 28 |
| Net loans and leases to core deposits | 143.9932% | 169 |
| Total domestic deposits to total assets | 63.2813% | 5,177 |
| Equity capital to assets | 15.7417% | 666 |
| Core capital (leverage) ratio | 15.7045% | 589 |
| Tier 1 risk-based capital ratio | 25.5594% | 714 |
| Total risk-based capital ratio | 26.0247% | 755 |
| Memoranda: | ||
| Average total assets | $183,385,330 | 3,021 |
| Average earning assets | $168,010,670 | 3,050 |
| Average equity | $28,908,000 | 2,455 |
| Average total loans | $159,019,670 | 2,549 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4599% | 556 |
| Cost of funding earning assets | 0.9914% | 1,599 |
| Net interest margin | 4.4685% | 785 |
| Noninterest income to average assets | 0.3092% | 3,803 |
| Noninterest expense to average assets | 3.6489% | 802 |
| Loan and lease loss provision to assets | 0.0395% | 2,837 |
| Net operating income to assets | 0.5416% | 4,403 |
| Return on assets (ROA) | 0.5416% | 4,431 |
| Pretax return on assets | 0.7127% | 4,272 |
| Return on Equity (ROE) | 3.4336% | 4,693 |
| Retained earnings to average equity (ytd only) | 3.4336% | 3,542 |
| Net charge-offs to loans | 0.2129% | 663 |
| Credit loss provision to net charge-offs | 21.4286% | 2,124 |
| Earnings coverage of net charge-offs (x) | 4.0833% | 2,348 |
| Efficiency ratio | 82.9098% | 796 |
| Assets per employee ($millions) | 4.0092% | 3,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3146% | 5,236 |
| Loan loss allowance to noncurrent loans | 47.5285% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 1.2650% | 1,047 |
| Noncurrent loans to loans | 0.6618% | 2,361 |
| Net loans and leases to total assets | 85.9189% | 194 |
| Net loans and leases to deposits | 135.5008% | 28 |
| Net loans and leases to core deposits | 142.2380% | 169 |
| Total domestic deposits to total assets | 63.4084% | 5,249 |
| Equity capital to assets | 15.6741% | 622 |
| Core capital (leverage) ratio | 15.7740% | 564 |
| Tier 1 risk-based capital ratio | 25.5888% | 716 |
| Total risk-based capital ratio | 26.0352% | 764 |
| Memoranda: | ||
| Average total assets | $182,410,000 | 3,065 |
| Average earning assets | $167,036,500 | 3,090 |
| Average equity | $28,774,500 | 2,471 |
| Average total loans | $157,823,500 | 2,588 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9706% | 1,110 |
| Cost of funding earning assets | 0.7790% | 1,640 |
| Net interest margin | 4.1916% | 1,412 |
| Noninterest income to average assets | 0.3801% | 3,555 |
| Noninterest expense to average assets | 3.9621% | 565 |
| Loan and lease loss provision to assets | 0.0391% | 3,418 |
| Net operating income to assets | 0.1964% | 5,111 |
| Return on assets (ROA) | 0.1959% | 5,108 |
| Pretax return on assets | 0.2132% | 5,106 |
| Return on Equity (ROE) | 1.2286% | 5,135 |
| Retained earnings to average equity (ytd only) | 1.2286% | 4,640 |
| Net charge-offs to loans | 0.0218% | 2,990 |
| Credit loss provision to net charge-offs | 212.1212% | 1,366 |
| Earnings coverage of net charge-offs (x) | 13.7273% | 2,428 |
| Efficiency ratio | 94.0016% | 240 |
| Assets per employee ($millions) | 4.0999% | 3,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3619% | 5,245 |
| Loan loss allowance to noncurrent loans | 15.6328% | 4,781 |
| Noncurrent assets plus other real estate owned to assets | 2.5849% | 285 |
| Noncurrent loans to loans | 2.3147% | 543 |
| Net loans and leases to total assets | 86.5456% | 205 |
| Net loans and leases to deposits | 135.8675% | 29 |
| Net loans and leases to core deposits | 143.7354% | 169 |
| Total domestic deposits to total assets | 63.6986% | 5,285 |
| Equity capital to assets | 15.8774% | 553 |
| Core capital (leverage) ratio | 15.7290% | 565 |
| Tier 1 risk-based capital ratio | 25.3079% | 723 |
| Total risk-based capital ratio | 25.8164% | 757 |
| Memoranda: | ||
| Average total assets | $179,173,600 | 3,062 |
| Average earning assets | $163,924,800 | 3,095 |
| Average equity | $28,568,000 | 2,426 |
| Average total loans | $151,461,000 | 2,626 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8535% | 1,294 |
| Cost of funding earning assets | 0.7311% | 1,677 |
| Net interest margin | 4.1224% | 1,564 |
| Noninterest income to average assets | 0.4323% | 3,267 |
| Noninterest expense to average assets | 3.6175% | 833 |
| Loan and lease loss provision to assets | 0.0447% | 3,097 |
| Net operating income to assets | 0.4359% | 4,886 |
| Return on assets (ROA) | 0.4353% | 4,894 |
| Pretax return on assets | 0.5397% | 4,837 |
| Return on Equity (ROE) | 2.7274% | 5,041 |
| Retained earnings to average equity (ytd only) | 2.7274% | 4,334 |
| Net charge-offs to loans | 0.0133% | 2,953 |
| Credit loss provision to net charge-offs | 400.0000% | 820 |
| Earnings coverage of net charge-offs (x) | 52.3320% | 1,145 |
| Efficiency ratio | 86.0766% | 509 |
| Assets per employee ($millions) | 4.1679% | 3,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3700% | 5,314 |
| Loan loss allowance to noncurrent loans | 16.8622% | 4,895 |
| Noncurrent assets plus other real estate owned to assets | 2.4587% | 359 |
| Noncurrent loans to loans | 2.1940% | 645 |
| Net loans and leases to total assets | 84.4390% | 406 |
| Net loans and leases to deposits | 128.3111% | 58 |
| Net loans and leases to core deposits | 134.7960% | 257 |
| Total domestic deposits to total assets | 65.8080% | 5,323 |
| Equity capital to assets | 15.7382% | 577 |
| Core capital (leverage) ratio | 15.7272% | 563 |
| Tier 1 risk-based capital ratio | 25.7896% | 692 |
| Total risk-based capital ratio | 26.3077% | 733 |
| Memoranda: | ||
| Average total assets | $178,868,250 | 3,089 |
| Average earning assets | $163,589,750 | 3,119 |
| Average equity | $28,549,500 | 2,431 |
| Average total loans | $150,153,500 | 2,655 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7584% | 1,358 |
| Cost of funding earning assets | 0.6729% | 1,789 |
| Net interest margin | 4.0855% | 1,603 |
| Noninterest income to average assets | 0.3405% | 3,902 |
| Noninterest expense to average assets | 3.5216% | 970 |
| Loan and lease loss provision to assets | 0.0451% | 3,004 |
| Net operating income to assets | 0.3854% | 4,983 |
| Return on assets (ROA) | 0.3845% | 4,988 |
| Pretax return on assets | 0.5041% | 4,897 |
| Return on Equity (ROE) | 2.3976% | 5,118 |
| Retained earnings to average equity (ytd only) | 2.3976% | 4,310 |
| Net charge-offs to loans | 0.0013% | 3,164 |
| Credit loss provision to net charge-offs | 4,000.0000% | 100 |
| Earnings coverage of net charge-offs (x) | 488.0000% | 183 |
| Efficiency ratio | 86.4857% | 545 |
| Assets per employee ($millions) | 4.2169% | 3,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3753% | 5,379 |
| Loan loss allowance to noncurrent loans | 19.6004% | 4,885 |
| Noncurrent assets plus other real estate owned to assets | 2.1503% | 469 |
| Noncurrent loans to loans | 1.9147% | 805 |
| Net loans and leases to total assets | 83.3002% | 544 |
| Net loans and leases to deposits | 126.8116% | 57 |
| Net loans and leases to core deposits | 132.8069% | 283 |
| Total domestic deposits to total assets | 65.6881% | 5,391 |
| Equity capital to assets | 15.7777% | 541 |
| Core capital (leverage) ratio | 16.1523% | 476 |
| Tier 1 risk-based capital ratio | 25.8005% | 688 |
| Total risk-based capital ratio | 26.3169% | 716 |
| Memoranda: | ||
| Average total assets | $177,361,670 | 3,123 |
| Average earning assets | $161,988,000 | 3,164 |
| Average equity | $28,445,330 | 2,446 |
| Average total loans | $148,396,000 | 2,683 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8144% | 1,049 |
| Cost of funding earning assets | 0.6171% | 1,932 |
| Net interest margin | 4.1973% | 1,181 |
| Noninterest income to average assets | 0.3467% | 3,823 |
| Noninterest expense to average assets | 3.5603% | 914 |
| Loan and lease loss provision to assets | 0.0456% | 2,852 |
| Net operating income to assets | 0.4374% | 4,845 |
| Return on assets (ROA) | 0.4356% | 4,859 |
| Pretax return on assets | 0.5702% | 4,749 |
| Return on Equity (ROE) | 2.6936% | 5,073 |
| Retained earnings to average equity (ytd only) | 2.6936% | 4,098 |
| Net charge-offs to loans | 0.0027% | 2,641 |
| Credit loss provision to net charge-offs | 2,000.0000% | 191 |
| Earnings coverage of net charge-offs (x) | 271.0000% | 251 |
| Efficiency ratio | 85.2074% | 695 |
| Assets per employee ($millions) | 4.1294% | 3,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3730% | 5,448 |
| Loan loss allowance to noncurrent loans | 46.6044% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 1.2243% | 1,235 |
| Noncurrent loans to loans | 0.8004% | 2,212 |
| Net loans and leases to total assets | 82.5754% | 592 |
| Net loans and leases to deposits | 121.3321% | 100 |
| Net loans and leases to core deposits | 127.3306% | 388 |
| Total domestic deposits to total assets | 68.0573% | 5,417 |
| Equity capital to assets | 16.0240% | 482 |
| Core capital (leverage) ratio | 16.2059% | 464 |
| Tier 1 risk-based capital ratio | 26.6448% | 632 |
| Total risk-based capital ratio | 27.1614% | 675 |
| Memoranda: | ||
| Average total assets | $175,380,000 | 3,184 |
| Average earning assets | $160,102,000 | 3,217 |
| Average equity | $28,363,500 | 2,475 |
| Average total loans | $146,787,500 | 2,727 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6920% | 1,218 |
| Cost of funding earning assets | 0.5515% | 1,940 |
| Net interest margin | 4.1405% | 1,323 |
| Noninterest income to average assets | 0.3166% | 4,202 |
| Noninterest expense to average assets | 3.8409% | 663 |
| Loan and lease loss provision to assets | 0.0363% | 3,539 |
| Net operating income to assets | -0.0835% | 5,411 |
| Return on assets (ROA) | -0.0831% | 5,412 |
| Pretax return on assets | 0.2007% | 5,312 |
| Return on Equity (ROE) | -0.4976% | 5,400 |
| Retained earnings to average equity (ytd only) | -0.4976% | 5,117 |
| Net charge-offs to loans | 0.0232% | 3,342 |
| Credit loss provision to net charge-offs | 187.8788% | 1,449 |
| Earnings coverage of net charge-offs (x) | 12.2424% | 2,489 |
| Efficiency ratio | 94.2021% | 290 |
| Assets per employee ($millions) | 4.0278% | 3,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3620% | 5,517 |
| Loan loss allowance to noncurrent loans | 27.3196% | 4,887 |
| Noncurrent assets plus other real estate owned to assets | 1.7858% | 700 |
| Noncurrent loans to loans | 1.3251% | 1,315 |
| Net loans and leases to total assets | 84.2236% | 426 |
| Net loans and leases to deposits | 123.2685% | 78 |
| Net loans and leases to core deposits | 129.5181% | 351 |
| Total domestic deposits to total assets | 68.3253% | 5,459 |
| Equity capital to assets | 16.3250% | 477 |
| Core capital (leverage) ratio | 16.4809% | 420 |
| Tier 1 risk-based capital ratio | 26.0916% | 657 |
| Total risk-based capital ratio | 26.5868% | 691 |
| Memoranda: | ||
| Average total assets | $170,896,000 | 3,234 |
| Average earning assets | $155,222,000 | 3,255 |
| Average equity | $28,538,200 | 2,459 |
| Average total loans | $141,989,600 | 2,748 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6585% | 1,231 |
| Cost of funding earning assets | 0.5487% | 1,902 |
| Net interest margin | 4.1098% | 1,370 |
| Noninterest income to average assets | 0.3296% | 4,178 |
| Noninterest expense to average assets | 3.6479% | 819 |
| Loan and lease loss provision to assets | 0.0407% | 3,295 |
| Net operating income to assets | 0.2765% | 5,260 |
| Return on assets (ROA) | 0.2771% | 5,278 |
| Pretax return on assets | 0.3711% | 5,230 |
| Return on Equity (ROE) | 1.6501% | 5,353 |
| Retained earnings to average equity (ytd only) | 1.6501% | 4,767 |
| Net charge-offs to loans | 0.0379% | 2,683 |
| Credit loss provision to net charge-offs | 130.0000% | 1,890 |
| Earnings coverage of net charge-offs (x) | 13.1254% | 2,374 |
| Efficiency ratio | 89.8746% | 413 |
| Assets per employee ($millions) | 3.8430% | 4,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3580% | 5,593 |
| Loan loss allowance to noncurrent loans | 25.0000% | 5,010 |
| Noncurrent assets plus other real estate owned to assets | 1.9971% | 647 |
| Noncurrent loans to loans | 1.4319% | 1,305 |
| Net loans and leases to total assets | 84.4486% | 393 |
| Net loans and leases to deposits | 120.2656% | 99 |
| Net loans and leases to core deposits | 126.6823% | 393 |
| Total domestic deposits to total assets | 70.2184% | 5,471 |
| Equity capital to assets | 17.0281% | 423 |
| Core capital (leverage) ratio | 16.5492% | 421 |
| Tier 1 risk-based capital ratio | 27.1933% | 613 |
| Total risk-based capital ratio | 27.6884% | 640 |
| Memoranda: | ||
| Average total assets | $170,321,250 | 3,270 |
| Average earning assets | $154,553,250 | 3,294 |
| Average equity | $28,604,250 | 2,472 |
| Average total loans | $140,886,750 | 2,787 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5967% | 1,254 |
| Cost of funding earning assets | 0.5419% | 1,828 |
| Net interest margin | 4.0549% | 1,449 |
| Noninterest income to average assets | 0.3268% | 4,212 |
| Noninterest expense to average assets | 3.6197% | 846 |
| Loan and lease loss provision to assets | 0.0469% | 3,054 |
| Net operating income to assets | 0.2311% | 5,348 |
| Return on assets (ROA) | 0.2319% | 5,366 |
| Pretax return on assets | 0.3432% | 5,275 |
| Return on Equity (ROE) | 1.3875% | 5,432 |
| Retained earnings to average equity (ytd only) | 1.3875% | 4,699 |
| Net charge-offs to loans | 0.0585% | 2,095 |
| Credit loss provision to net charge-offs | 97.5610% | 2,062 |
| Earnings coverage of net charge-offs (x) | 8.0976% | 2,537 |
| Efficiency ratio | 90.2981% | 440 |
| Assets per employee ($millions) | 3.9124% | 4,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3504% | 5,642 |
| Loan loss allowance to noncurrent loans | 22.3015% | 5,084 |
| Noncurrent assets plus other real estate owned to assets | 1.9855% | 648 |
| Noncurrent loans to loans | 1.5711% | 1,191 |
| Net loans and leases to total assets | 82.6078% | 593 |
| Net loans and leases to deposits | 119.3564% | 102 |
| Net loans and leases to core deposits | 125.4132% | 408 |
| Total domestic deposits to total assets | 69.2110% | 5,565 |
| Equity capital to assets | 16.6388% | 446 |
| Core capital (leverage) ratio | 16.4759% | 419 |
| Tier 1 risk-based capital ratio | 26.6098% | 635 |
| Total risk-based capital ratio | 27.0837% | 669 |
| Memoranda: | ||
| Average total assets | $170,731,330 | 3,269 |
| Average earning assets | $155,023,330 | 3,306 |
| Average equity | $28,541,330 | 2,464 |
| Average total loans | $140,079,670 | 2,805 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5472% | 1,263 |
| Cost of funding earning assets | 0.5392% | 1,793 |
| Net interest margin | 4.0080% | 1,454 |
| Noninterest income to average assets | 0.3458% | 4,077 |
| Noninterest expense to average assets | 3.5807% | 916 |
| Loan and lease loss provision to assets | 0.0706% | 2,394 |
| Net operating income to assets | 0.2235% | 5,359 |
| Return on assets (ROA) | 0.2235% | 5,370 |
| Pretax return on assets | 0.3317% | 5,268 |
| Return on Equity (ROE) | 1.3338% | 5,448 |
| Retained earnings to average equity (ytd only) | 1.3338% | 4,556 |
| Net charge-offs to loans | 0.0202% | 2,376 |
| Credit loss provision to net charge-offs | 428.5714% | 624 |
| Earnings coverage of net charge-offs (x) | 24.4286% | 1,359 |
| Efficiency ratio | 89.8996% | 565 |
| Assets per employee ($millions) | 3.9825% | 4,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3777% | 5,702 |
| Loan loss allowance to noncurrent loans | 39.4876% | 4,868 |
| Noncurrent assets plus other real estate owned to assets | 1.4476% | 1,136 |
| Noncurrent loans to loans | 0.9564% | 2,129 |
| Net loans and leases to total assets | 80.7174% | 734 |
| Net loans and leases to deposits | 116.5843% | 112 |
| Net loans and leases to core deposits | 123.2431% | 381 |
| Total domestic deposits to total assets | 69.2353% | 5,647 |
| Equity capital to assets | 16.6671% | 414 |
| Core capital (leverage) ratio | 16.6723% | 390 |
| Tier 1 risk-based capital ratio | 27.4735% | 595 |
| Total risk-based capital ratio | 27.9873% | 631 |
| Memoranda: | ||
| Average total assets | $170,024,000 | 3,312 |
| Average earning assets | $154,293,000 | 3,345 |
| Average equity | $28,490,500 | 2,480 |
| Average total loans | $138,766,500 | 2,837 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6421% | 1,185 |
| Cost of funding earning assets | 0.5773% | 1,504 |
| Net interest margin | 4.0648% | 1,459 |
| Noninterest income to average assets | 0.3102% | 4,515 |
| Noninterest expense to average assets | 3.7196% | 857 |
| Loan and lease loss provision to assets | 0.0409% | 3,563 |
| Net operating income to assets | 0.1677% | 5,467 |
| Return on assets (ROA) | 0.1707% | 5,508 |
| Pretax return on assets | 0.2362% | 5,446 |
| Return on Equity (ROE) | 1.0007% | 5,567 |
| Retained earnings to average equity (ytd only) | 1.0007% | 4,923 |
| Net charge-offs to loans | 0.0988% | 2,301 |
| Credit loss provision to net charge-offs | 50.0000% | 3,375 |
| Earnings coverage of net charge-offs (x) | 3.3382% | 3,683 |
| Efficiency ratio | 93.1647% | 417 |
| Assets per employee ($millions) | 3.9256% | 4,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3610% | 5,763 |
| Loan loss allowance to noncurrent loans | 45.1758% | 4,777 |
| Noncurrent assets plus other real estate owned to assets | 1.4265% | 1,192 |
| Noncurrent loans to loans | 0.7991% | 2,514 |
| Net loans and leases to total assets | 81.9200% | 617 |
| Net loans and leases to deposits | 119.1749% | 97 |
| Net loans and leases to core deposits | 125.4306% | 356 |
| Total domestic deposits to total assets | 68.7393% | 5,697 |
| Equity capital to assets | 16.8477% | 404 |
| Core capital (leverage) ratio | 16.6337% | 388 |
| Tier 1 risk-based capital ratio | 27.5328% | 593 |
| Total risk-based capital ratio | 28.0319% | 622 |
| Memoranda: | ||
| Average total assets | $166,363,600 | 3,326 |
| Average earning assets | $150,708,800 | 3,362 |
| Average equity | $28,379,200 | 2,487 |
| Average total loans | $137,698,000 | 2,805 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6383% | 1,218 |
| Cost of funding earning assets | 0.5852% | 1,455 |
| Net interest margin | 4.0531% | 1,520 |
| Noninterest income to average assets | 0.3218% | 4,475 |
| Noninterest expense to average assets | 3.5449% | 1,072 |
| Loan and lease loss provision to assets | 0.0338% | 3,557 |
| Net operating income to assets | 0.2730% | 5,339 |
| Return on assets (ROA) | 0.2767% | 5,411 |
| Pretax return on assets | 0.4199% | 5,268 |
| Return on Equity (ROE) | 1.6170% | 5,539 |
| Retained earnings to average equity (ytd only) | 1.6170% | 4,862 |
| Net charge-offs to loans | 0.0766% | 2,226 |
| Credit loss provision to net charge-offs | 53.1646% | 2,991 |
| Earnings coverage of net charge-offs (x) | 7.0507% | 2,926 |
| Efficiency ratio | 88.7792% | 628 |
| Assets per employee ($millions) | 3.9998% | 3,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3830% | 5,807 |
| Loan loss allowance to noncurrent loans | 26.1554% | 5,244 |
| Noncurrent assets plus other real estate owned to assets | 1.8596% | 873 |
| Noncurrent loans to loans | 1.4643% | 1,477 |
| Net loans and leases to total assets | 82.3722% | 566 |
| Net loans and leases to deposits | 120.2421% | 109 |
| Net loans and leases to core deposits | 126.6087% | 360 |
| Total domestic deposits to total assets | 68.5053% | 5,756 |
| Equity capital to assets | 16.9849% | 435 |
| Core capital (leverage) ratio | 16.8012% | 381 |
| Tier 1 risk-based capital ratio | 26.6339% | 671 |
| Total risk-based capital ratio | 27.1429% | 706 |
| Memoranda: | ||
| Average total assets | $165,754,500 | 3,349 |
| Average earning assets | $150,136,000 | 3,385 |
| Average equity | $28,364,250 | 2,512 |
| Average total loans | $137,427,000 | 2,820 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6689% | 1,118 |
| Cost of funding earning assets | 0.6040% | 1,287 |
| Net interest margin | 4.0649% | 1,460 |
| Noninterest income to average assets | 0.3891% | 3,961 |
| Noninterest expense to average assets | 3.5974% | 1,014 |
| Loan and lease loss provision to assets | 0.0436% | 3,275 |
| Net operating income to assets | 0.2804% | 5,371 |
| Return on assets (ROA) | 0.2860% | 5,439 |
| Pretax return on assets | 0.4351% | 5,274 |
| Return on Equity (ROE) | 1.6674% | 5,580 |
| Retained earnings to average equity (ytd only) | 1.6674% | 4,717 |
| Net charge-offs to loans | 0.1125% | 1,704 |
| Credit loss provision to net charge-offs | 46.7532% | 2,703 |
| Earnings coverage of net charge-offs (x) | 5.0390% | 2,900 |
| Efficiency ratio | 88.4386% | 690 |
| Assets per employee ($millions) | 3.9500% | 3,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3843% | 5,892 |
| Loan loss allowance to noncurrent loans | 19.1582% | 5,420 |
| Noncurrent assets plus other real estate owned to assets | 2.3405% | 627 |
| Noncurrent loans to loans | 2.0062% | 992 |
| Net loans and leases to total assets | 82.4879% | 574 |
| Net loans and leases to deposits | 120.8252% | 95 |
| Net loans and leases to core deposits | 127.0096% | 352 |
| Total domestic deposits to total assets | 68.2704% | 5,837 |
| Equity capital to assets | 17.1354% | 412 |
| Core capital (leverage) ratio | 16.8351% | 381 |
| Tier 1 risk-based capital ratio | 26.6099% | 680 |
| Total risk-based capital ratio | 27.1163% | 714 |
| Memoranda: | ||
| Average total assets | $165,009,330 | 3,376 |
| Average earning assets | $149,328,000 | 3,411 |
| Average equity | $28,308,000 | 2,511 |
| Average total loans | $136,933,000 | 2,838 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7089% | 1,032 |
| Cost of funding earning assets | 0.6282% | 1,162 |
| Net interest margin | 4.0807% | 1,392 |
| Noninterest income to average assets | 0.3889% | 3,909 |
| Noninterest expense to average assets | 3.5804% | 1,048 |
| Loan and lease loss provision to assets | 0.0438% | 3,046 |
| Net operating income to assets | 0.2999% | 5,307 |
| Return on assets (ROA) | 0.3063% | 5,370 |
| Pretax return on assets | 0.4691% | 5,164 |
| Return on Equity (ROE) | 1.7842% | 5,554 |
| Retained earnings to average equity (ytd only) | 1.7842% | 4,554 |
| Net charge-offs to loans | 0.2341% | 876 |
| Credit loss provision to net charge-offs | 22.5000% | 2,279 |
| Earnings coverage of net charge-offs (x) | 2.5875% | 2,662 |
| Efficiency ratio | 87.6786% | 840 |
| Assets per employee ($millions) | 4.0362% | 3,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3693% | 5,972 |
| Loan loss allowance to noncurrent loans | 22.8649% | 5,414 |
| Noncurrent assets plus other real estate owned to assets | 2.0002% | 867 |
| Noncurrent loans to loans | 1.6153% | 1,427 |
| Net loans and leases to total assets | 82.4843% | 509 |
| Net loans and leases to deposits | 120.5585% | 96 |
| Net loans and leases to core deposits | 127.3665% | 314 |
| Total domestic deposits to total assets | 68.4185% | 5,916 |
| Equity capital to assets | 17.1114% | 411 |
| Core capital (leverage) ratio | 16.7957% | 387 |
| Tier 1 risk-based capital ratio | 26.4650% | 701 |
| Total risk-based capital ratio | 26.9499% | 743 |
| Memoranda: | ||
| Average total assets | $164,563,000 | 3,390 |
| Average earning assets | $148,994,000 | 3,433 |
| Average equity | $28,248,000 | 2,509 |
| Average total loans | $136,711,000 | 2,844 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5881% | 1,368 |
| Cost of funding earning assets | 0.6380% | 1,138 |
| Net interest margin | 3.9500% | 1,869 |
| Noninterest income to average assets | 0.3747% | 4,227 |
| Noninterest expense to average assets | 3.7175% | 956 |
| Loan and lease loss provision to assets | 0.0257% | 3,873 |
| Net operating income to assets | 0.1531% | 5,673 |
| Return on assets (ROA) | 0.1531% | 5,721 |
| Pretax return on assets | 0.2057% | 5,678 |
| Return on Equity (ROE) | 0.8902% | 5,792 |
| Retained earnings to average equity (ytd only) | 0.8902% | 5,167 |
| Net charge-offs to loans | 0.0904% | 2,533 |
| Credit loss provision to net charge-offs | 34.7107% | 3,594 |
| Earnings coverage of net charge-offs (x) | 3.1240% | 3,771 |
| Efficiency ratio | 94.1395% | 478 |
| Assets per employee ($millions) | 4.0910% | 3,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4171% | 5,982 |
| Loan loss allowance to noncurrent loans | 26.6137% | 5,391 |
| Noncurrent assets plus other real estate owned to assets | 1.8712% | 983 |
| Noncurrent loans to loans | 1.5673% | 1,470 |
| Net loans and leases to total assets | 83.0158% | 485 |
| Net loans and leases to deposits | 118.4884% | 115 |
| Net loans and leases to core deposits | 125.3594% | 348 |
| Total domestic deposits to total assets | 70.0623% | 5,894 |
| Equity capital to assets | 17.2201% | 385 |
| Core capital (leverage) ratio | 16.7811% | 393 |
| Tier 1 risk-based capital ratio | 27.4205% | 633 |
| Total risk-based capital ratio | 27.9911% | 667 |
| Memoranda: | ||
| Average total assets | $163,335,800 | 3,386 |
| Average earning assets | $147,795,600 | 3,435 |
| Average equity | $28,083,800 | 2,449 |
| Average total loans | $133,799,400 | 2,822 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6132% | 1,298 |
| Cost of funding earning assets | 0.6392% | 1,155 |
| Net interest margin | 3.9740% | 1,792 |
| Noninterest income to average assets | 0.3904% | 4,151 |
| Noninterest expense to average assets | 3.6611% | 1,028 |
| Loan and lease loss provision to assets | 0.0245% | 3,785 |
| Net operating income to assets | 0.2091% | 5,660 |
| Return on assets (ROA) | 0.2091% | 5,722 |
| Pretax return on assets | 0.2997% | 5,637 |
| Return on Equity (ROE) | 1.2164% | 5,825 |
| Retained earnings to average equity (ytd only) | 1.2164% | 5,235 |
| Net charge-offs to loans | 0.1122% | 2,006 |
| Credit loss provision to net charge-offs | 26.7857% | 3,307 |
| Earnings coverage of net charge-offs (x) | 3.5446% | 3,490 |
| Efficiency ratio | 91.8648% | 581 |
| Assets per employee ($millions) | 3.6392% | 4,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4225% | 6,078 |
| Loan loss allowance to noncurrent loans | 31.0989% | 5,415 |
| Noncurrent assets plus other real estate owned to assets | 1.6530% | 1,325 |
| Noncurrent loans to loans | 1.3585% | 1,884 |
| Net loans and leases to total assets | 81.4648% | 644 |
| Net loans and leases to deposits | 116.6783% | 141 |
| Net loans and leases to core deposits | 124.9005% | 354 |
| Total domestic deposits to total assets | 69.8200% | 5,981 |
| Equity capital to assets | 17.2181% | 412 |
| Core capital (leverage) ratio | 16.9400% | 390 |
| Tier 1 risk-based capital ratio | 28.0943% | 616 |
| Total risk-based capital ratio | 28.6745% | 642 |
| Memoranda: | ||
| Average total assets | $163,259,750 | 3,425 |
| Average earning assets | $147,688,000 | 3,471 |
| Average equity | $28,060,000 | 2,467 |
| Average total loans | $133,145,250 | 2,850 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6086% | 1,262 |
| Cost of funding earning assets | 0.6388% | 1,174 |
| Net interest margin | 3.9698% | 1,735 |
| Noninterest income to average assets | 0.3789% | 4,240 |
| Noninterest expense to average assets | 3.6568% | 1,040 |
| Loan and lease loss provision to assets | 0.0123% | 3,875 |
| Net operating income to assets | 0.2097% | 5,672 |
| Return on assets (ROA) | 0.2097% | 5,738 |
| Pretax return on assets | 0.2992% | 5,660 |
| Return on Equity (ROE) | 1.2208% | 5,857 |
| Retained earnings to average equity (ytd only) | 1.2208% | 5,070 |
| Net charge-offs to loans | 0.0271% | 3,133 |
| Credit loss provision to net charge-offs | 55.5556% | 2,646 |
| Earnings coverage of net charge-offs (x) | 14.1111% | 2,080 |
| Efficiency ratio | 92.1508% | 628 |
| Assets per employee ($millions) | 3.5178% | 4,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4753% | 6,108 |
| Loan loss allowance to noncurrent loans | 26.0480% | 5,580 |
| Noncurrent assets plus other real estate owned to assets | 1.9540% | 1,136 |
| Noncurrent loans to loans | 1.8245% | 1,391 |
| Net loans and leases to total assets | 82.8245% | 492 |
| Net loans and leases to deposits | 116.8442% | 140 |
| Net loans and leases to core deposits | 125.7955% | 340 |
| Total domestic deposits to total assets | 70.8846% | 5,993 |
| Equity capital to assets | 17.3695% | 389 |
| Core capital (leverage) ratio | 16.9584% | 370 |
| Tier 1 risk-based capital ratio | 27.9481% | 643 |
| Total risk-based capital ratio | 28.6024% | 668 |
| Memoranda: | ||
| Average total assets | $163,091,670 | 3,451 |
| Average earning assets | $147,462,000 | 3,496 |
| Average equity | $28,014,330 | 2,485 |
| Average total loans | $132,868,330 | 2,858 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5505% | 1,336 |
| Cost of funding earning assets | 0.6404% | 1,180 |
| Net interest margin | 3.9101% | 1,859 |
| Noninterest income to average assets | 0.3494% | 4,403 |
| Noninterest expense to average assets | 3.6011% | 1,138 |
| Loan and lease loss provision to assets | 0.0244% | 3,385 |
| Net operating income to assets | 0.1686% | 5,746 |
| Return on assets (ROA) | 0.1686% | 5,823 |
| Pretax return on assets | 0.2590% | 5,736 |
| Return on Equity (ROE) | 0.9868% | 5,911 |
| Retained earnings to average equity (ytd only) | 0.9868% | 5,074 |
| Net charge-offs to loans | 0.0546% | 2,228 |
| Credit loss provision to net charge-offs | 55.5556% | 2,047 |
| Earnings coverage of net charge-offs (x) | 6.4444% | 2,291 |
| Efficiency ratio | 92.7044% | 670 |
| Assets per employee ($millions) | 3.5444% | 4,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4847% | 6,181 |
| Loan loss allowance to noncurrent loans | 37.4927% | 5,357 |
| Noncurrent assets plus other real estate owned to assets | 1.6646% | 1,517 |
| Noncurrent loans to loans | 1.2929% | 2,224 |
| Net loans and leases to total assets | 80.5868% | 623 |
| Net loans and leases to deposits | 112.9739% | 173 |
| Net loans and leases to core deposits | 120.5520% | 401 |
| Total domestic deposits to total assets | 71.3323% | 6,069 |
| Equity capital to assets | 17.1800% | 405 |
| Core capital (leverage) ratio | 16.8682% | 370 |
| Tier 1 risk-based capital ratio | 28.6096% | 614 |
| Total risk-based capital ratio | 29.2756% | 637 |
| Memoranda: | ||
| Average total assets | $163,728,500 | 3,455 |
| Average earning assets | $148,027,000 | 3,497 |
| Average equity | $27,968,000 | 2,506 |
| Average total loans | $131,970,000 | 2,883 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6946% | 1,321 |
| Cost of funding earning assets | 0.6865% | 1,170 |
| Net interest margin | 4.0081% | 1,877 |
| Noninterest income to average assets | 0.3302% | 4,752 |
| Noninterest expense to average assets | 4.0611% | 705 |
| Loan and lease loss provision to assets | 0.0878% | 2,716 |
| Net operating income to assets | -0.0783% | 6,141 |
| Return on assets (ROA) | -0.0767% | 6,147 |
| Pretax return on assets | -0.1866% | 6,181 |
| Return on Equity (ROE) | -0.4449% | 6,130 |
| Retained earnings to average equity (ytd only) | -0.4449% | 5,841 |
| Net charge-offs to loans | 0.2605% | 1,657 |
| Credit loss provision to net charge-offs | 41.4493% | 3,649 |
| Earnings coverage of net charge-offs (x) | -0.4783% | 4,763 |
| Efficiency ratio | 102.5573% | 315 |
| Assets per employee ($millions) | 3.5742% | 4,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4913% | 6,265 |
| Loan loss allowance to noncurrent loans | 26.9888% | 5,727 |
| Noncurrent assets plus other real estate owned to assets | 2.2924% | 1,045 |
| Noncurrent loans to loans | 1.8202% | 1,574 |
| Net loans and leases to total assets | 79.8355% | 757 |
| Net loans and leases to deposits | 111.3052% | 210 |
| Net loans and leases to core deposits | 118.6617% | 443 |
| Total domestic deposits to total assets | 71.7267% | 6,099 |
| Equity capital to assets | 16.9847% | 419 |
| Core capital (leverage) ratio | 16.5781% | 405 |
| Tier 1 risk-based capital ratio | 29.1284% | 557 |
| Total risk-based capital ratio | 29.8243% | 576 |
| Memoranda: | ||
| Average total assets | $162,937,000 | 3,447 |
| Average earning assets | $147,552,000 | 3,483 |
| Average equity | $28,095,200 | 2,401 |
| Average total loans | $132,432,800 | 2,821 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7180% | 1,269 |
| Cost of funding earning assets | 0.6926% | 1,181 |
| Net interest margin | 4.0254% | 1,807 |
| Noninterest income to average assets | 0.3313% | 4,789 |
| Noninterest expense to average assets | 3.7481% | 1,041 |
| Loan and lease loss provision to assets | 0.1173% | 2,106 |
| Net operating income to assets | 0.1124% | 6,012 |
| Return on assets (ROA) | 0.1156% | 6,032 |
| Pretax return on assets | 0.1156% | 6,043 |
| Return on Equity (ROE) | 0.6681% | 6,079 |
| Retained earnings to average equity (ytd only) | 0.6681% | 5,604 |
| Net charge-offs to loans | 0.3037% | 1,306 |
| Credit loss provision to net charge-offs | 47.3510% | 3,150 |
| Earnings coverage of net charge-offs (x) | 0.9271% | 4,275 |
| Efficiency ratio | 94.2268% | 583 |
| Assets per employee ($millions) | 3.5702% | 4,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5168% | 6,317 |
| Loan loss allowance to noncurrent loans | 29.2054% | 5,752 |
| Noncurrent assets plus other real estate owned to assets | 1.8992% | 1,545 |
| Noncurrent loans to loans | 1.7695% | 1,836 |
| Net loans and leases to total assets | 80.9932% | 607 |
| Net loans and leases to deposits | 113.1656% | 162 |
| Net loans and leases to core deposits | 120.3678% | 390 |
| Total domestic deposits to total assets | 71.5705% | 6,198 |
| Equity capital to assets | 17.1636% | 408 |
| Core capital (leverage) ratio | 16.8544% | 390 |
| Tier 1 risk-based capital ratio | 29.3158% | 560 |
| Total risk-based capital ratio | 30.0504% | 584 |
| Memoranda: | ||
| Average total assets | $162,568,000 | 3,481 |
| Average earning assets | $147,262,750 | 3,518 |
| Average equity | $28,137,750 | 2,410 |
| Average total loans | $132,564,000 | 2,824 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7904% | 1,083 |
| Cost of funding earning assets | 0.6941% | 1,218 |
| Net interest margin | 4.0963% | 1,527 |
| Noninterest income to average assets | 0.2987% | 5,020 |
| Noninterest expense to average assets | 3.7478% | 1,054 |
| Loan and lease loss provision to assets | 0.1222% | 2,010 |
| Net operating income to assets | 0.1370% | 5,980 |
| Return on assets (ROA) | 0.1420% | 5,999 |
| Pretax return on assets | 0.1420% | 6,039 |
| Return on Equity (ROE) | 0.8179% | 6,087 |
| Retained earnings to average equity (ytd only) | 0.8179% | 5,422 |
| Net charge-offs to loans | 0.4842% | 831 |
| Credit loss provision to net charge-offs | 30.9375% | 3,048 |
| Earnings coverage of net charge-offs (x) | 0.6563% | 4,003 |
| Efficiency ratio | 93.5305% | 668 |
| Assets per employee ($millions) | 3.5683% | 4,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4698% | 6,446 |
| Loan loss allowance to noncurrent loans | 27.5153% | 5,840 |
| Noncurrent assets plus other real estate owned to assets | 1.8514% | 1,757 |
| Noncurrent loans to loans | 1.7075% | 2,024 |
| Net loans and leases to total assets | 81.1812% | 555 |
| Net loans and leases to deposits | 113.1707% | 145 |
| Net loans and leases to core deposits | 120.3501% | 368 |
| Total domestic deposits to total assets | 71.7334% | 6,271 |
| Equity capital to assets | 17.1612% | 397 |
| Core capital (leverage) ratio | 16.8500% | 375 |
| Tier 1 risk-based capital ratio | 29.3552% | 554 |
| Total risk-based capital ratio | 30.0254% | 582 |
| Memoranda: | ||
| Average total assets | $162,013,670 | 3,510 |
| Average earning assets | $146,669,330 | 3,545 |
| Average equity | $28,121,000 | 2,402 |
| Average total loans | $132,183,000 | 2,831 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8132% | 1,016 |
| Cost of funding earning assets | 0.6892% | 1,307 |
| Net interest margin | 4.1240% | 1,402 |
| Noninterest income to average assets | 0.3852% | 4,308 |
| Noninterest expense to average assets | 3.6832% | 1,157 |
| Loan and lease loss provision to assets | 0.1168% | 2,018 |
| Net operating income to assets | 0.3181% | 5,430 |
| Return on assets (ROA) | 0.3281% | 5,449 |
| Pretax return on assets | 0.3281% | 5,657 |
| Return on Equity (ROE) | 1.8792% | 5,816 |
| Retained earnings to average equity (ytd only) | 1.8792% | 4,840 |
| Net charge-offs to loans | 1.0234% | 327 |
| Credit loss provision to net charge-offs | 13.9881% | 2,572 |
| Earnings coverage of net charge-offs (x) | 0.5208% | 3,328 |
| Efficiency ratio | 89.4387% | 1,087 |
| Assets per employee ($millions) | 3.4825% | 4,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4223% | 6,549 |
| Loan loss allowance to noncurrent loans | 41.5556% | 5,520 |
| Noncurrent assets plus other real estate owned to assets | 1.3646% | 2,590 |
| Noncurrent loans to loans | 1.0163% | 3,387 |
| Net loans and leases to total assets | 82.5674% | 322 |
| Net loans and leases to deposits | 111.1412% | 134 |
| Net loans and leases to core deposits | 118.3649% | 352 |
| Total domestic deposits to total assets | 74.2905% | 6,220 |
| Equity capital to assets | 17.5868% | 344 |
| Core capital (leverage) ratio | 17.2804% | 340 |
| Tier 1 risk-based capital ratio | 29.6112% | 543 |
| Total risk-based capital ratio | 30.2136% | 564 |
| Memoranda: | ||
| Average total assets | $160,948,500 | 3,548 |
| Average earning assets | $145,682,500 | 3,595 |
| Average equity | $28,097,000 | 2,398 |
| Average total loans | $131,333,000 | 2,859 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7674% | 1,386 |
| Cost of funding earning assets | 0.7952% | 1,236 |
| Net interest margin | 3.9722% | 2,028 |
| Noninterest income to average assets | 0.4055% | 4,405 |
| Noninterest expense to average assets | 3.7125% | 1,269 |
| Loan and lease loss provision to assets | 0.2655% | 1,332 |
| Net operating income to assets | 0.0579% | 6,118 |
| Return on assets (ROA) | 0.0622% | 6,159 |
| Pretax return on assets | 0.0489% | 6,158 |
| Return on Equity (ROE) | 0.3671% | 6,189 |
| Retained earnings to average equity (ytd only) | 0.3671% | 5,685 |
| Net charge-offs to loans | 0.2381% | 2,549 |
| Credit loss provision to net charge-offs | 140.5751% | 1,658 |
| Earnings coverage of net charge-offs (x) | 1.6422% | 4,505 |
| Efficiency ratio | 92.2892% | 856 |
| Assets per employee ($millions) | 3.6751% | 4,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6547% | 6,410 |
| Loan loss allowance to noncurrent loans | 30.8642% | 5,925 |
| Noncurrent assets plus other real estate owned to assets | 3.1873% | 966 |
| Noncurrent loans to loans | 2.1211% | 1,857 |
| Net loans and leases to total assets | 79.7678% | 618 |
| Net loans and leases to deposits | 106.6881% | 241 |
| Net loans and leases to core deposits | 113.4949% | 481 |
| Total domestic deposits to total assets | 74.7673% | 6,219 |
| Equity capital to assets | 17.3287% | 375 |
| Core capital (leverage) ratio | 17.0839% | 364 |
| Tier 1 risk-based capital ratio | 29.6201% | 517 |
| Total risk-based capital ratio | 30.5344% | 529 |
| Memoranda: | ||
| Average total assets | $165,710,200 | 3,478 |
| Average earning assets | $150,900,600 | 3,484 |
| Average equity | $28,059,600 | 2,377 |
| Average total loans | $131,482,200 | 2,838 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7133% | 1,559 |
| Cost of funding earning assets | 0.8132% | 1,256 |
| Net interest margin | 3.9002% | 2,274 |
| Noninterest income to average assets | 0.4087% | 4,469 |
| Noninterest expense to average assets | 3.6101% | 1,379 |
| Loan and lease loss provision to assets | 0.1360% | 2,583 |
| Net operating income to assets | 0.1695% | 5,984 |
| Return on assets (ROA) | 0.1695% | 6,058 |
| Pretax return on assets | 0.2223% | 6,007 |
| Return on Equity (ROE) | 1.0070% | 6,180 |
| Retained earnings to average equity (ytd only) | 1.0070% | 5,573 |
| Net charge-offs to loans | 0.2558% | 2,278 |
| Credit loss provision to net charge-offs | 67.1937% | 3,126 |
| Earnings coverage of net charge-offs (x) | 1.7708% | 4,246 |
| Efficiency ratio | 90.9714% | 921 |
| Assets per employee ($millions) | 3.8098% | 4,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4926% | 6,662 |
| Loan loss allowance to noncurrent loans | 15.6786% | 6,317 |
| Noncurrent assets plus other real estate owned to assets | 3.1892% | 1,126 |
| Noncurrent loans to loans | 3.1417% | 1,255 |
| Net loans and leases to total assets | 77.1275% | 859 |
| Net loans and leases to deposits | 102.5582% | 351 |
| Net loans and leases to core deposits | 108.5514% | 646 |
| Total domestic deposits to total assets | 75.2036% | 6,256 |
| Equity capital to assets | 16.7907% | 437 |
| Core capital (leverage) ratio | 16.6122% | 420 |
| Tier 1 risk-based capital ratio | 29.8935% | 521 |
| Total risk-based capital ratio | 30.5821% | 541 |
| Memoranda: | ||
| Average total assets | $166,712,000 | 3,498 |
| Average earning assets | $152,160,000 | 3,498 |
| Average equity | $28,069,250 | 2,404 |
| Average total loans | $131,893,500 | 2,838 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7999% | 1,325 |
| Cost of funding earning assets | 0.8347% | 1,236 |
| Net interest margin | 3.9653% | 1,986 |
| Noninterest income to average assets | 0.4507% | 4,158 |
| Noninterest expense to average assets | 3.5648% | 1,472 |
| Loan and lease loss provision to assets | 0.1683% | 2,235 |
| Net operating income to assets | 0.2416% | 5,795 |
| Return on assets (ROA) | 0.2416% | 5,918 |
| Pretax return on assets | 0.3377% | 5,779 |
| Return on Equity (ROE) | 1.4335% | 6,111 |
| Retained earnings to average equity (ytd only) | 1.4335% | 5,305 |
| Net charge-offs to loans | 0.2263% | 2,377 |
| Credit loss provision to net charge-offs | 93.3333% | 2,368 |
| Earnings coverage of net charge-offs (x) | 2.8067% | 3,582 |
| Efficiency ratio | 87.5701% | 1,270 |
| Assets per employee ($millions) | 3.8983% | 4,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5468% | 6,667 |
| Loan loss allowance to noncurrent loans | 17.9281% | 6,340 |
| Noncurrent assets plus other real estate owned to assets | 3.0914% | 1,299 |
| Noncurrent loans to loans | 3.0502% | 1,455 |
| Net loans and leases to total assets | 77.3570% | 818 |
| Net loans and leases to deposits | 102.5781% | 312 |
| Net loans and leases to core deposits | 108.7925% | 614 |
| Total domestic deposits to total assets | 75.4128% | 6,318 |
| Equity capital to assets | 16.7764% | 437 |
| Core capital (leverage) ratio | 16.6620% | 403 |
| Tier 1 risk-based capital ratio | 29.9745% | 521 |
| Total risk-based capital ratio | 30.7410% | 541 |
| Memoranda: | ||
| Average total assets | $166,406,330 | 3,521 |
| Average earning assets | $151,918,670 | 3,515 |
| Average equity | $28,043,670 | 2,419 |
| Average total loans | $132,548,670 | 2,826 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8295% | 1,230 |
| Cost of funding earning assets | 0.8560% | 1,228 |
| Net interest margin | 3.9735% | 1,880 |
| Noninterest income to average assets | 0.3064% | 5,243 |
| Noninterest expense to average assets | 3.5152% | 1,592 |
| Loan and lease loss provision to assets | 0.1809% | 2,048 |
| Net operating income to assets | 0.1785% | 5,955 |
| Return on assets (ROA) | 0.1785% | 6,064 |
| Pretax return on assets | 0.2388% | 5,992 |
| Return on Equity (ROE) | 1.0570% | 6,208 |
| Retained earnings to average equity (ytd only) | 1.0570% | 5,427 |
| Net charge-offs to loans | 0.3742% | 1,520 |
| Credit loss provision to net charge-offs | 60.0000% | 2,443 |
| Earnings coverage of net charge-offs (x) | 1.3920% | 3,370 |
| Efficiency ratio | 89.3317% | 1,207 |
| Assets per employee ($millions) | 3.9644% | 4,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5041% | 6,786 |
| Loan loss allowance to noncurrent loans | 13.3611% | 6,464 |
| Noncurrent assets plus other real estate owned to assets | 3.4173% | 1,261 |
| Noncurrent loans to loans | 3.7731% | 1,227 |
| Net loans and leases to total assets | 79.7725% | 444 |
| Net loans and leases to deposits | 105.6455% | 203 |
| Net loans and leases to core deposits | 112.5015% | 426 |
| Total domestic deposits to total assets | 75.5096% | 6,415 |
| Equity capital to assets | 16.8420% | 442 |
| Core capital (leverage) ratio | 16.6589% | 389 |
| Tier 1 risk-based capital ratio | 29.9408% | 533 |
| Total risk-based capital ratio | 30.6666% | 555 |
| Memoranda: | ||
| Average total assets | $165,795,500 | 3,568 |
| Average earning assets | $151,403,000 | 3,566 |
| Average equity | $28,004,500 | 2,447 |
| Average total loans | $133,630,500 | 2,825 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0257% | 1,488 |
| Cost of funding earning assets | 1.0077% | 1,320 |
| Net interest margin | 4.0181% | 2,322 |
| Noninterest income to average assets | 0.5417% | 3,635 |
| Noninterest expense to average assets | 3.6830% | 1,446 |
| Loan and lease loss provision to assets | 0.5459% | 1,051 |
| Net operating income to assets | 0.0542% | 6,082 |
| Return on assets (ROA) | 0.0607% | 6,218 |
| Pretax return on assets | -0.0186% | 6,303 |
| Return on Equity (ROE) | 0.3595% | 6,249 |
| Retained earnings to average equity (ytd only) | 0.3595% | 5,673 |
| Net charge-offs to loans | 0.4063% | 2,630 |
| Credit loss provision to net charge-offs | 164.4928% | 1,629 |
| Earnings coverage of net charge-offs (x) | 1.5580% | 4,663 |
| Efficiency ratio | 87.6897% | 1,266 |
| Assets per employee ($millions) | 3.9306% | 4,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5405% | 6,811 |
| Loan loss allowance to noncurrent loans | 10.0305% | 6,550 |
| Noncurrent assets plus other real estate owned to assets | 5.0568% | 759 |
| Noncurrent loans to loans | 5.3887% | 695 |
| Net loans and leases to total assets | 80.5882% | 413 |
| Net loans and leases to deposits | 106.6847% | 212 |
| Net loans and leases to core deposits | 113.7105% | 424 |
| Total domestic deposits to total assets | 75.5387% | 6,408 |
| Equity capital to assets | 16.9404% | 424 |
| Core capital (leverage) ratio | 16.6859% | 380 |
| Tier 1 risk-based capital ratio | 28.2395% | 610 |
| Total risk-based capital ratio | 28.9829% | 632 |
| Memoranda: | ||
| Average total assets | $166,330,000 | 3,514 |
| Average earning assets | $151,440,600 | 3,521 |
| Average equity | $28,092,000 | 2,387 |
| Average total loans | $135,871,200 | 2,776 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0979% | 1,431 |
| Cost of funding earning assets | 1.0338% | 1,373 |
| Net interest margin | 4.0641% | 2,237 |
| Noninterest income to average assets | 0.6193% | 3,157 |
| Noninterest expense to average assets | 3.5813% | 1,589 |
| Loan and lease loss provision to assets | 0.3768% | 1,712 |
| Net operating income to assets | 0.3299% | 5,509 |
| Return on assets (ROA) | 0.3424% | 5,668 |
| Pretax return on assets | 0.3704% | 5,788 |
| Return on Equity (ROE) | 2.0291% | 6,015 |
| Retained earnings to average equity (ytd only) | 2.0291% | 5,308 |
| Net charge-offs to loans | 0.3099% | 2,893 |
| Credit loss provision to net charge-offs | 148.5804% | 1,909 |
| Earnings coverage of net charge-offs (x) | 2.8927% | 3,880 |
| Efficiency ratio | 82.9965% | 1,695 |
| Assets per employee ($millions) | 4.1287% | 3,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3869% | 7,015 |
| Loan loss allowance to noncurrent loans | 11.3015% | 6,640 |
| Noncurrent assets plus other real estate owned to assets | 3.8530% | 1,277 |
| Noncurrent loans to loans | 3.4238% | 1,595 |
| Net loans and leases to total assets | 81.2154% | 412 |
| Net loans and leases to deposits | 108.0887% | 191 |
| Net loans and leases to core deposits | 115.1151% | 402 |
| Total domestic deposits to total assets | 75.1378% | 6,501 |
| Equity capital to assets | 17.1364% | 439 |
| Core capital (leverage) ratio | 17.1248% | 364 |
| Tier 1 risk-based capital ratio | 29.9885% | 536 |
| Total risk-based capital ratio | 30.5410% | 561 |
| Memoranda: | ||
| Average total assets | $166,641,250 | 3,542 |
| Average earning assets | $151,535,000 | 3,561 |
| Average equity | $28,123,500 | 2,404 |
| Average total loans | $136,398,500 | 2,802 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1677% | 1,339 |
| Cost of funding earning assets | 1.0527% | 1,455 |
| Net interest margin | 4.1150% | 2,031 |
| Noninterest income to average assets | 0.7156% | 2,578 |
| Noninterest expense to average assets | 3.5802% | 1,618 |
| Loan and lease loss provision to assets | 0.4739% | 1,343 |
| Net operating income to assets | 0.3955% | 5,224 |
| Return on assets (ROA) | 0.4152% | 5,390 |
| Pretax return on assets | 0.4284% | 5,637 |
| Return on Equity (ROE) | 2.4729% | 5,888 |
| Retained earnings to average equity (ytd only) | 2.4729% | 4,952 |
| Net charge-offs to loans | 0.2540% | 3,058 |
| Credit loss provision to net charge-offs | 227.5862% | 1,251 |
| Earnings coverage of net charge-offs (x) | 4.2356% | 3,140 |
| Efficiency ratio | 80.2360% | 2,133 |
| Assets per employee ($millions) | 4.1432% | 3,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4342% | 7,060 |
| Loan loss allowance to noncurrent loans | 13.9540% | 6,660 |
| Noncurrent assets plus other real estate owned to assets | 3.6301% | 1,449 |
| Noncurrent loans to loans | 3.1118% | 1,885 |
| Net loans and leases to total assets | 81.4931% | 370 |
| Net loans and leases to deposits | 107.9878% | 181 |
| Net loans and leases to core deposits | 114.9902% | 422 |
| Total domestic deposits to total assets | 75.4651% | 6,533 |
| Equity capital to assets | 17.0214% | 443 |
| Core capital (leverage) ratio | 17.0171% | 368 |
| Tier 1 risk-based capital ratio | 29.6302% | 534 |
| Total risk-based capital ratio | 30.2490% | 557 |
| Memoranda: | ||
| Average total assets | $167,139,670 | 3,546 |
| Average earning assets | $152,175,000 | 3,558 |
| Average equity | $28,064,670 | 2,387 |
| Average total loans | $136,983,000 | 2,798 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2710% | 1,169 |
| Cost of funding earning assets | 1.1060% | 1,379 |
| Net interest margin | 4.1650% | 1,866 |
| Noninterest income to average assets | 1.0152% | 1,387 |
| Noninterest expense to average assets | 3.5151% | 1,731 |
| Loan and lease loss provision to assets | 0.7650% | 654 |
| Net operating income to assets | 0.5886% | 4,397 |
| Return on assets (ROA) | 0.5886% | 4,615 |
| Pretax return on assets | 0.5314% | 5,330 |
| Return on Equity (ROE) | 3.5295% | 5,498 |
| Retained earnings to average equity (ytd only) | 3.5295% | 4,467 |
| Net charge-offs to loans | 0.4214% | 2,041 |
| Credit loss provision to net charge-offs | 221.3793% | 1,254 |
| Earnings coverage of net charge-offs (x) | 3.7517% | 2,763 |
| Efficiency ratio | 73.0560% | 3,250 |
| Assets per employee ($millions) | 4.1602% | 3,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3975% | 7,136 |
| Loan loss allowance to noncurrent loans | 12.1199% | 6,729 |
| Noncurrent assets plus other real estate owned to assets | 3.4818% | 1,652 |
| Noncurrent loans to loans | 3.2797% | 1,951 |
| Net loans and leases to total assets | 81.6160% | 294 |
| Net loans and leases to deposits | 107.6821% | 173 |
| Net loans and leases to core deposits | 114.3466% | 419 |
| Total domestic deposits to total assets | 75.7935% | 6,571 |
| Equity capital to assets | 16.8978% | 441 |
| Core capital (leverage) ratio | 16.8870% | 365 |
| Tier 1 risk-based capital ratio | 28.6193% | 594 |
| Total risk-based capital ratio | 29.1713% | 633 |
| Memoranda: | ||
| Average total assets | $167,846,000 | 3,557 |
| Average earning assets | $152,987,500 | 3,568 |
| Average equity | $27,992,500 | 2,387 |
| Average total loans | $137,652,000 | 2,816 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0919% | 2,483 |
| Cost of funding earning assets | 1.4192% | 959 |
| Net interest margin | 3.6727% | 4,420 |
| Noninterest income to average assets | 0.4337% | 4,343 |
| Noninterest expense to average assets | 3.4601% | 2,091 |
| Loan and lease loss provision to assets | 0.1725% | 4,472 |
| Net operating income to assets | 0.1562% | 5,716 |
| Return on assets (ROA) | 0.1568% | 5,854 |
| Pretax return on assets | 0.1609% | 5,868 |
| Return on Equity (ROE) | 0.9687% | 5,972 |
| Retained earnings to average equity (ytd only) | 0.9687% | 5,406 |
| Net charge-offs to loans | 0.1438% | 4,996 |
| Credit loss provision to net charge-offs | 147.2637% | 1,936 |
| Earnings coverage of net charge-offs (x) | 2.8408% | 3,791 |
| Efficiency ratio | 91.2248% | 1,101 |
| Assets per employee ($millions) | 4.3407% | 3,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2641% | 7,237 |
| Loan loss allowance to noncurrent loans | 5.3718% | 6,847 |
| Noncurrent assets plus other real estate owned to assets | 4.7842% | 1,134 |
| Noncurrent loans to loans | 4.9169% | 1,160 |
| Net loans and leases to total assets | 81.8621% | 348 |
| Net loans and leases to deposits | 111.3270% | 155 |
| Net loans and leases to core deposits | 117.9845% | 397 |
| Total domestic deposits to total assets | 73.5330% | 6,763 |
| Equity capital to assets | 16.4609% | 519 |
| Core capital (leverage) ratio | 16.4550% | 416 |
| Tier 1 risk-based capital ratio | 26.2880% | 754 |
| Total risk-based capital ratio | 26.6457% | 807 |
| Memoranda: | ||
| Average total assets | $171,554,800 | 3,464 |
| Average earning assets | $156,914,800 | 3,453 |
| Average equity | $27,769,600 | 2,343 |
| Average total loans | $139,741,200 | 2,793 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1882% | 2,250 |
| Cost of funding earning assets | 1.4955% | 879 |
| Net interest margin | 3.6927% | 4,374 |
| Noninterest income to average assets | 0.4268% | 4,466 |
| Noninterest expense to average assets | 3.3588% | 2,317 |
| Loan and lease loss provision to assets | 0.1286% | 4,822 |
| Net operating income to assets | 0.2535% | 5,561 |
| Return on assets (ROA) | 0.2541% | 5,704 |
| Pretax return on assets | 0.3160% | 5,671 |
| Return on Equity (ROE) | 1.5762% | 5,914 |
| Retained earnings to average equity (ytd only) | 1.5762% | 5,350 |
| Net charge-offs to loans | 0.1563% | 4,523 |
| Credit loss provision to net charge-offs | 101.2195% | 3,313 |
| Earnings coverage of net charge-offs (x) | 3.4939% | 3,419 |
| Efficiency ratio | 88.3276% | 1,313 |
| Assets per employee ($millions) | 4.2725% | 3,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1962% | 7,331 |
| Loan loss allowance to noncurrent loans | 6.7256% | 6,927 |
| Noncurrent assets plus other real estate owned to assets | 3.2188% | 1,975 |
| Noncurrent loans to loans | 2.9174% | 2,390 |
| Net loans and leases to total assets | 81.5501% | 391 |
| Net loans and leases to deposits | 110.9908% | 162 |
| Net loans and leases to core deposits | 117.5543% | 449 |
| Total domestic deposits to total assets | 73.4747% | 6,817 |
| Equity capital to assets | 16.3405% | 577 |
| Core capital (leverage) ratio | 16.3336% | 464 |
| Tier 1 risk-based capital ratio | 26.5892% | 777 |
| Total risk-based capital ratio | 26.8635% | 850 |
| Memoranda: | ||
| Average total assets | $172,122,000 | 3,481 |
| Average earning assets | $157,352,750 | 3,474 |
| Average equity | $27,745,500 | 2,347 |
| Average total loans | $139,939,500 | 2,814 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2430% | 2,084 |
| Cost of funding earning assets | 1.5781% | 763 |
| Net interest margin | 3.6649% | 4,441 |
| Noninterest income to average assets | 0.4846% | 3,984 |
| Noninterest expense to average assets | 3.4035% | 2,247 |
| Loan and lease loss provision to assets | 0.1472% | 4,471 |
| Net operating income to assets | 0.2251% | 5,646 |
| Return on assets (ROA) | 0.2260% | 5,761 |
| Pretax return on assets | 0.2840% | 5,703 |
| Return on Equity (ROE) | 1.4087% | 5,974 |
| Retained earnings to average equity (ytd only) | 1.4087% | 5,284 |
| Net charge-offs to loans | 0.0985% | 4,696 |
| Credit loss provision to net charge-offs | 184.0580% | 1,643 |
| Earnings coverage of net charge-offs (x) | 5.3768% | 2,626 |
| Efficiency ratio | 88.7814% | 1,344 |
| Assets per employee ($millions) | 4.6069% | 2,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2368% | 7,382 |
| Loan loss allowance to noncurrent loans | 12.9260% | 6,905 |
| Noncurrent assets plus other real estate owned to assets | 2.6156% | 2,549 |
| Noncurrent loans to loans | 1.8318% | 3,708 |
| Net loans and leases to total assets | 79.4223% | 601 |
| Net loans and leases to deposits | 111.1947% | 161 |
| Net loans and leases to core deposits | 117.4633% | 490 |
| Total domestic deposits to total assets | 71.4263% | 7,038 |
| Equity capital to assets | 15.8731% | 628 |
| Core capital (leverage) ratio | 15.8693% | 521 |
| Tier 1 risk-based capital ratio | 26.5016% | 763 |
| Total risk-based capital ratio | 26.8240% | 829 |
| Memoranda: | ||
| Average total assets | $172,529,000 | 3,491 |
| Average earning assets | $157,656,330 | 3,490 |
| Average equity | $27,685,330 | 2,339 |
| Average total loans | $140,038,000 | 2,846 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2223% | 2,147 |
| Cost of funding earning assets | 1.6318% | 723 |
| Net interest margin | 3.5905% | 4,612 |
| Noninterest income to average assets | 0.5138% | 3,776 |
| Noninterest expense to average assets | 3.3703% | 2,357 |
| Loan and lease loss provision to assets | 0.1378% | 4,289 |
| Net operating income to assets | 0.2294% | 5,684 |
| Return on assets (ROA) | 0.2312% | 5,742 |
| Pretax return on assets | 0.2920% | 5,679 |
| Return on Equity (ROE) | 1.4330% | 6,005 |
| Retained earnings to average equity (ytd only) | 1.4330% | 5,244 |
| Net charge-offs to loans | 0.0627% | 4,302 |
| Credit loss provision to net charge-offs | 268.1818% | 1,172 |
| Earnings coverage of net charge-offs (x) | 8.3182% | 1,835 |
| Efficiency ratio | 88.7454% | 1,438 |
| Assets per employee ($millions) | 4.4746% | 2,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2200% | 7,435 |
| Loan loss allowance to noncurrent loans | 7.8030% | 7,031 |
| Noncurrent assets plus other real estate owned to assets | 3.0262% | 2,285 |
| Noncurrent loans to loans | 2.8192% | 2,677 |
| Net loans and leases to total assets | 80.3130% | 487 |
| Net loans and leases to deposits | 112.2587% | 151 |
| Net loans and leases to core deposits | 119.3093% | 437 |
| Total domestic deposits to total assets | 71.5428% | 7,107 |
| Equity capital to assets | 15.8643% | 599 |
| Core capital (leverage) ratio | 15.8638% | 528 |
| Tier 1 risk-based capital ratio | 26.1426% | 775 |
| Total risk-based capital ratio | 26.4354% | 840 |
| Memoranda: | ||
| Average total assets | $171,262,000 | 3,535 |
| Average earning assets | $156,636,000 | 3,531 |
| Average equity | $27,634,000 | 2,329 |
| Average total loans | $140,372,500 | 2,877 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3850% | 2,747 |
| Cost of funding earning assets | 1.9744% | 666 |
| Net interest margin | 3.4106% | 5,589 |
| Noninterest income to average assets | 0.5770% | 3,607 |
| Noninterest expense to average assets | 3.3939% | 2,449 |
| Loan and lease loss provision to assets | 0.0663% | 6,482 |
| Net operating income to assets | 0.2252% | 5,197 |
| Return on assets (ROA) | 0.2257% | 5,349 |
| Pretax return on assets | 0.2476% | 5,364 |
| Return on Equity (ROE) | 1.3897% | 5,588 |
| Retained earnings to average equity (ytd only) | 1.3897% | 4,845 |
| Net charge-offs to loans | 0.2567% | 4,750 |
| Credit loss provision to net charge-offs | 31.1978% | 6,484 |
| Earnings coverage of net charge-offs (x) | 1.4735% | 4,652 |
| Efficiency ratio | 91.5468% | 1,212 |
| Assets per employee ($millions) | 4.2003% | 3,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1932% | 7,529 |
| Loan loss allowance to noncurrent loans | 6.3615% | 7,118 |
| Noncurrent assets plus other real estate owned to assets | 3.3616% | 2,086 |
| Noncurrent loans to loans | 3.0368% | 2,514 |
| Net loans and leases to total assets | 83.3328% | 353 |
| Net loans and leases to deposits | 117.9727% | 127 |
| Net loans and leases to core deposits | 124.6350% | 415 |
| Total domestic deposits to total assets | 70.6374% | 7,198 |
| Equity capital to assets | 16.4172% | 530 |
| Core capital (leverage) ratio | 16.4177% | 457 |
| Tier 1 risk-based capital ratio | 26.1197% | 744 |
| Total risk-based capital ratio | 26.3773% | 814 |
| Memoranda: | ||
| Average total assets | $168,802,400 | 3,562 |
| Average earning assets | $154,930,600 | 3,546 |
| Average equity | $27,416,800 | 2,348 |
| Average total loans | $139,845,600 | 2,955 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4103% | 2,834 |
| Cost of funding earning assets | 2.0595% | 613 |
| Net interest margin | 3.3507% | 5,844 |
| Noninterest income to average assets | 0.5475% | 3,810 |
| Noninterest expense to average assets | 3.2291% | 2,821 |
| Loan and lease loss provision to assets | 0.0749% | 6,302 |
| Net operating income to assets | 0.2747% | 5,259 |
| Return on assets (ROA) | 0.2753% | 5,420 |
| Pretax return on assets | 0.3235% | 5,437 |
| Return on Equity (ROE) | 1.6998% | 5,703 |
| Retained earnings to average equity (ytd only) | 1.6998% | 5,110 |
| Net charge-offs to loans | 0.2700% | 4,325 |
| Credit loss provision to net charge-offs | 33.5689% | 6,113 |
| Earnings coverage of net charge-offs (x) | 1.7809% | 4,383 |
| Efficiency ratio | 89.0363% | 1,365 |
| Assets per employee ($millions) | 4.1043% | 3,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2377% | 7,627 |
| Loan loss allowance to noncurrent loans | 8.7404% | 7,199 |
| Noncurrent assets plus other real estate owned to assets | 3.1882% | 2,252 |
| Noncurrent loans to loans | 2.7194% | 2,919 |
| Net loans and leases to total assets | 82.5598% | 441 |
| Net loans and leases to deposits | 121.3999% | 105 |
| Net loans and leases to core deposits | 128.1571% | 411 |
| Total domestic deposits to total assets | 68.0065% | 7,380 |
| Equity capital to assets | 16.3812% | 606 |
| Core capital (leverage) ratio | 16.3743% | 505 |
| Tier 1 risk-based capital ratio | 26.1665% | 759 |
| Total risk-based capital ratio | 26.4941% | 822 |
| Memoranda: | ||
| Average total assets | $168,999,750 | 3,606 |
| Average earning assets | $155,305,750 | 3,589 |
| Average equity | $27,375,250 | 2,387 |
| Average total loans | $139,736,750 | 2,985 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4148% | 2,910 |
| Cost of funding earning assets | 2.1084% | 640 |
| Net interest margin | 3.3064% | 5,995 |
| Noninterest income to average assets | 0.5141% | 3,999 |
| Noninterest expense to average assets | 3.1966% | 2,909 |
| Loan and lease loss provision to assets | 0.0768% | 6,174 |
| Net operating income to assets | 0.2495% | 5,376 |
| Return on assets (ROA) | 0.2505% | 5,513 |
| Pretax return on assets | 0.2848% | 5,544 |
| Return on Equity (ROE) | 1.5524% | 5,783 |
| Retained earnings to average equity (ytd only) | 1.5524% | 5,088 |
| Net charge-offs to loans | 0.3960% | 3,391 |
| Credit loss provision to net charge-offs | 23.4657% | 5,819 |
| Earnings coverage of net charge-offs (x) | 1.1011% | 4,688 |
| Efficiency ratio | 89.8671% | 1,343 |
| Assets per employee ($millions) | 4.0801% | 3,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2199% | 7,700 |
| Loan loss allowance to noncurrent loans | 11.0432% | 7,238 |
| Noncurrent assets plus other real estate owned to assets | 2.2823% | 3,155 |
| Noncurrent loans to loans | 1.9914% | 3,726 |
| Net loans and leases to total assets | 81.2843% | 631 |
| Net loans and leases to deposits | 123.4256% | 100 |
| Net loans and leases to core deposits | 130.3012% | 418 |
| Total domestic deposits to total assets | 65.8569% | 7,531 |
| Equity capital to assets | 16.0022% | 669 |
| Core capital (leverage) ratio | 15.9983% | 566 |
| Tier 1 risk-based capital ratio | 26.1447% | 759 |
| Total risk-based capital ratio | 26.4451% | 812 |
| Memoranda: | ||
| Average total assets | $169,240,330 | 3,607 |
| Average earning assets | $155,758,330 | 3,604 |
| Average equity | $27,311,670 | 2,387 |
| Average total loans | $139,895,330 | 3,017 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4442% | 2,843 |
| Cost of funding earning assets | 2.1323% | 732 |
| Net interest margin | 3.3120% | 5,923 |
| Noninterest income to average assets | 0.5185% | 3,907 |
| Noninterest expense to average assets | 3.1704% | 2,974 |
| Loan and lease loss provision to assets | 0.1475% | 5,071 |
| Net operating income to assets | 0.2285% | 5,582 |
| Return on assets (ROA) | 0.2307% | 5,694 |
| Pretax return on assets | 0.2545% | 5,738 |
| Return on Equity (ROE) | 1.4235% | 5,985 |
| Retained earnings to average equity (ytd only) | 1.4235% | 5,228 |
| Net charge-offs to loans | 0.6312% | 2,241 |
| Credit loss provision to net charge-offs | 28.0543% | 4,846 |
| Earnings coverage of net charge-offs (x) | 0.7602% | 4,349 |
| Efficiency ratio | 88.8075% | 1,520 |
| Assets per employee ($millions) | 4.1017% | 3,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2570% | 7,786 |
| Loan loss allowance to noncurrent loans | 13.9373% | 7,238 |
| Noncurrent assets plus other real estate owned to assets | 1.8906% | 3,647 |
| Noncurrent loans to loans | 1.8439% | 4,000 |
| Net loans and leases to total assets | 81.1076% | 700 |
| Net loans and leases to deposits | 122.4210% | 118 |
| Net loans and leases to core deposits | 128.8052% | 519 |
| Total domestic deposits to total assets | 66.2530% | 7,607 |
| Equity capital to assets | 15.8507% | 694 |
| Core capital (leverage) ratio | 15.8483% | 607 |
| Tier 1 risk-based capital ratio | 25.8285% | 789 |
| Total risk-based capital ratio | 26.1738% | 855 |
| Memoranda: | ||
| Average total assets | $168,178,500 | 3,691 |
| Average earning assets | $154,953,000 | 3,672 |
| Average equity | $27,256,500 | 2,422 |
| Average total loans | $140,043,500 | 3,078 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8949% | 2,259 |
| Cost of funding earning assets | 2.5181% | 987 |
| Net interest margin | 3.3767% | 5,459 |
| Noninterest income to average assets | 0.4779% | 4,592 |
| Noninterest expense to average assets | 3.3625% | 2,798 |
| Loan and lease loss provision to assets | 0.0337% | 7,193 |
| Net operating income to assets | 0.1664% | 5,008 |
| Return on assets (ROA) | 0.1969% | 4,976 |
| Pretax return on assets | 0.2380% | 4,921 |
| Return on Equity (ROE) | 1.1845% | 5,176 |
| Retained earnings to average equity (ytd only) | 1.1845% | 4,214 |
| Net charge-offs to loans | 0.0408% | 6,704 |
| Credit loss provision to net charge-offs | 96.4912% | 5,757 |
| Earnings coverage of net charge-offs (x) | 6.7193% | 2,302 |
| Efficiency ratio | 93.4686% | 1,446 |
| Assets per employee ($millions) | 3.9068% | 4,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3707% | 7,781 |
| Loan loss allowance to noncurrent loans | 18.7500% | 7,114 |
| Noncurrent assets plus other real estate owned to assets | 1.9124% | 3,512 |
| Noncurrent loans to loans | 1.9771% | 3,676 |
| Net loans and leases to total assets | 85.0061% | 351 |
| Net loans and leases to deposits | 125.3845% | 120 |
| Net loans and leases to core deposits | 150.1459% | 504 |
| Total domestic deposits to total assets | 67.7964% | 7,563 |
| Equity capital to assets | 16.5808% | 609 |
| Core capital (leverage) ratio | 16.5788% | 544 |
| Tier 1 risk-based capital ratio | 25.7709% | 777 |
| Total risk-based capital ratio | 26.2664% | 821 |
| Memoranda: | ||
| Average total assets | $163,004,600 | 3,712 |
| Average earning assets | $150,588,800 | 3,703 |
| Average equity | $27,099,400 | 2,441 |
| Average total loans | $139,847,000 | 3,091 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9984% | 2,047 |
| Cost of funding earning assets | 2.5755% | 1,088 |
| Net interest margin | 3.4228% | 5,172 |
| Noninterest income to average assets | 0.4531% | 4,879 |
| Noninterest expense to average assets | 3.3338% | 2,791 |
| Loan and lease loss provision to assets | 0.0074% | 7,245 |
| Net operating income to assets | 0.2053% | 5,133 |
| Return on assets (ROA) | 0.2417% | 5,100 |
| Pretax return on assets | 0.3253% | 4,994 |
| Return on Equity (ROE) | 1.4528% | 5,350 |
| Retained earnings to average equity (ytd only) | 1.4528% | 4,504 |
| Net charge-offs to loans | 0.0105% | 6,791 |
| Credit loss provision to net charge-offs | 81.8182% | 5,713 |
| Earnings coverage of net charge-offs (x) | 31.4465% | 898 |
| Efficiency ratio | 92.1631% | 1,529 |
| Assets per employee ($millions) | 3.8852% | 3,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3748% | 7,844 |
| Loan loss allowance to noncurrent loans | 23.6662% | 6,866 |
| Noncurrent assets plus other real estate owned to assets | 1.9365% | 3,440 |
| Noncurrent loans to loans | 1.5838% | 4,262 |
| Net loans and leases to total assets | 84.5378% | 479 |
| Net loans and leases to deposits | 125.6002% | 139 |
| Net loans and leases to core deposits | 151.4215% | 551 |
| Total domestic deposits to total assets | 67.3071% | 7,619 |
| Equity capital to assets | 16.6633% | 678 |
| Core capital (leverage) ratio | 16.6567% | 593 |
| Tier 1 risk-based capital ratio | 26.2932% | 802 |
| Total risk-based capital ratio | 26.7953% | 833 |
| Memoranda: | ||
| Average total assets | $162,734,000 | 3,748 |
| Average earning assets | $150,437,500 | 3,716 |
| Average equity | $27,072,500 | 2,465 |
| Average total loans | $139,808,000 | 3,121 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0528% | 1,973 |
| Cost of funding earning assets | 2.6328% | 1,206 |
| Net interest margin | 3.4200% | 5,095 |
| Noninterest income to average assets | 0.4269% | 5,066 |
| Noninterest expense to average assets | 3.1676% | 3,439 |
| Loan and lease loss provision to assets | 0.0049% | 7,134 |
| Net operating income to assets | 0.2874% | 4,955 |
| Return on assets (ROA) | 0.3383% | 4,839 |
| Pretax return on assets | 0.4920% | 4,648 |
| Return on Equity (ROE) | 2.0346% | 5,288 |
| Retained earnings to average equity (ytd only) | 2.0346% | 4,211 |
| Net charge-offs to loans | 0.0114% | 6,400 |
| Credit loss provision to net charge-offs | 50.0000% | 5,763 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 770 |
| Efficiency ratio | 88.2151% | 1,989 |
| Assets per employee ($millions) | 3.9998% | 3,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3740% | 7,931 |
| Loan loss allowance to noncurrent loans | 22.6975% | 6,978 |
| Noncurrent assets plus other real estate owned to assets | 1.4879% | 4,005 |
| Noncurrent loans to loans | 1.6479% | 4,025 |
| Net loans and leases to total assets | 84.4584% | 569 |
| Net loans and leases to deposits | 124.8749% | 167 |
| Net loans and leases to core deposits | 150.8917% | 632 |
| Total domestic deposits to total assets | 67.6344% | 7,643 |
| Equity capital to assets | 16.5630% | 739 |
| Core capital (leverage) ratio | 16.5605% | 666 |
| Tier 1 risk-based capital ratio | 26.1324% | 852 |
| Total risk-based capital ratio | 26.6327% | 890 |
| Memoranda: | ||
| Average total assets | $162,585,670 | 3,768 |
| Average earning assets | $150,410,000 | 3,738 |
| Average equity | $27,033,000 | 2,472 |
| Average total loans | $140,255,000 | 3,138 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0606% | 2,105 |
| Cost of funding earning assets | 2.7049% | 1,258 |
| Net interest margin | 3.3557% | 5,305 |
| Noninterest income to average assets | 0.4275% | 4,982 |
| Noninterest expense to average assets | 3.1727% | 3,099 |
| Loan and lease loss provision to assets | 0.0049% | 6,722 |
| Net operating income to assets | 0.2496% | 5,488 |
| Return on assets (ROA) | 0.3533% | 5,237 |
| Pretax return on assets | 0.5065% | 5,064 |
| Return on Equity (ROE) | 2.1210% | 5,730 |
| Retained earnings to average equity (ytd only) | 2.1210% | 4,685 |
| Net charge-offs to loans | 0.0057% | 5,609 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 73.5000% | 555 |
| Efficiency ratio | 89.7275% | 1,743 |
| Assets per employee ($millions) | 3.9623% | 3,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3744% | 7,974 |
| Loan loss allowance to noncurrent loans | 25.0119% | 6,899 |
| Noncurrent assets plus other real estate owned to assets | 1.2896% | 4,104 |
| Noncurrent loans to loans | 1.4971% | 4,045 |
| Net loans and leases to total assets | 85.8188% | 476 |
| Net loans and leases to deposits | 127.0465% | 176 |
| Net loans and leases to core deposits | 155.7627% | 568 |
| Total domestic deposits to total assets | 67.5492% | 7,628 |
| Equity capital to assets | 16.6366% | 775 |
| Core capital (leverage) ratio | 16.6356% | 695 |
| Tier 1 risk-based capital ratio | 25.9581% | 897 |
| Total risk-based capital ratio | 26.4614% | 938 |
| Memoranda: | ||
| Average total assets | $161,882,500 | 3,797 |
| Average earning assets | $149,952,000 | 3,754 |
| Average equity | $26,968,500 | 2,492 |
| Average total loans | $140,870,000 | 3,156 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4325% | 3,270 |
| Cost of funding earning assets | 3.2095% | 1,160 |
| Net interest margin | 3.2230% | 6,294 |
| Noninterest income to average assets | 0.4782% | 4,815 |
| Noninterest expense to average assets | 3.1813% | 3,410 |
| Loan and lease loss provision to assets | -0.0581% | 8,239 |
| Net operating income to assets | 0.2686% | 5,650 |
| Return on assets (ROA) | 0.2691% | 5,468 |
| Pretax return on assets | 0.3523% | 5,385 |
| Return on Equity (ROE) | 1.6827% | 5,712 |
| Retained earnings to average equity (ytd only) | 1.6827% | 4,206 |
| Net charge-offs to loans | 0.0210% | 6,566 |
| Credit loss provision to net charge-offs | -323.3333% | 7,371 |
| Earnings coverage of net charge-offs (x) | 16.3333% | 1,848 |
| Efficiency ratio | 91.5503% | 1,409 |
| Assets per employee ($millions) | 3.9344% | 3,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3695% | 8,026 |
| Loan loss allowance to noncurrent loans | 36.4649% | 6,298 |
| Noncurrent assets plus other real estate owned to assets | 0.8908% | 4,629 |
| Noncurrent loans to loans | 1.0134% | 4,553 |
| Net loans and leases to total assets | 87.5798% | 410 |
| Net loans and leases to deposits | 132.1562% | 182 |
| Net loans and leases to core deposits | 165.0312% | 493 |
| Total domestic deposits to total assets | 66.2699% | 7,642 |
| Equity capital to assets | 16.6822% | 814 |
| Core capital (leverage) ratio | 16.6677% | 736 |
| Tier 1 risk-based capital ratio | 25.7990% | 920 |
| Total risk-based capital ratio | 26.3018% | 963 |
| Memoranda: | ||
| Average total assets | $166,881,600 | 3,598 |
| Average earning assets | $155,166,000 | 3,564 |
| Average equity | $26,683,000 | 2,500 |
| Average total loans | $142,670,200 | 3,046 |