Home > First Federal Savings Bank > Performance and Condition Ratios
First Federal Savings Bank, 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 | 4.5189% | 3,868 |
| Cost of funding earning assets | 2.0260% | 1,870 |
| Net interest margin | 2.4929% | 4,038 |
| Noninterest income to average assets | 0.3100% | 2,795 |
| Noninterest expense to average assets | 2.5557% | 2,141 |
| Loan and lease loss provision to assets | 0.0200% | 2,448 |
| Net operating income to assets | 0.0562% | 4,113 |
| Return on assets (ROA) | 0.0562% | 4,141 |
| Pretax return on assets | 0.0562% | 4,143 |
| Return on Equity (ROE) | 0.5700% | 4,133 |
| Retained earnings to average equity (ytd only) | 0.5668% | 3,575 |
| Net charge-offs to loans | -0.0056% | 3,760 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 97.1510% | 315 |
| Assets per employee ($millions) | 4.8295% | 3,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0939% | 2,745 |
| Loan loss allowance to noncurrent loans | 55.7251% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 1.2678% | 518 |
| Noncurrent loans to loans | 1.9631% | 439 |
| Net loans and leases to total assets | 63.8800% | 2,511 |
| Net loans and leases to deposits | 81.2940% | 1,946 |
| Net loans and leases to core deposits | 86.1097% | 2,318 |
| Total domestic deposits to total assets | 78.5800% | 3,756 |
| Equity capital to assets | 9.7090% | 2,418 |
| Core capital (leverage) ratio | 10.0399% | 2,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $426,966,000 | 1,993 |
| Average earning assets | $396,644,500 | 1,988 |
| Average equity | $42,340,500 | 1,950 |
| Average total loans | $288,206,000 | 1,931 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5703% | 3,793 |
| Cost of funding earning assets | 1.9914% | 2,240 |
| Net interest margin | 2.5789% | 3,806 |
| Noninterest income to average assets | 0.3700% | 2,639 |
| Noninterest expense to average assets | 2.7727% | 1,575 |
| Loan and lease loss provision to assets | 0.0400% | 2,355 |
| Net operating income to assets | 0.0022% | 4,162 |
| Return on assets (ROA) | 0.0022% | 4,195 |
| Pretax return on assets | -0.0427% | 4,219 |
| Return on Equity (ROE) | 0.0200% | 4,191 |
| Retained earnings to average equity (ytd only) | 0.0216% | 3,896 |
| Net charge-offs to loans | -0.0223% | 4,189 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 100.2349% | 279 |
| Assets per employee ($millions) | 4.5048% | 3,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0568% | 2,915 |
| Loan loss allowance to noncurrent loans | 97.0496% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 0.7687% | 958 |
| Noncurrent loans to loans | 1.0890% | 928 |
| Net loans and leases to total assets | 69.8500% | 1,909 |
| Net loans and leases to deposits | 90.1776% | 1,197 |
| Net loans and leases to core deposits | 97.3454% | 1,632 |
| Total domestic deposits to total assets | 77.4600% | 3,835 |
| Equity capital to assets | 10.1367% | 2,038 |
| Core capital (leverage) ratio | 10.6028% | 2,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $400,076,800 | 2,042 |
| Average earning assets | $371,440,600 | 2,034 |
| Average equity | $41,596,200 | 1,922 |
| Average total loans | $295,414,400 | 1,868 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5606% | 3,757 |
| Cost of funding earning assets | 1.9640% | 2,304 |
| Net interest margin | 2.5967% | 3,770 |
| Noninterest income to average assets | 0.3700% | 2,610 |
| Noninterest expense to average assets | 2.7725% | 1,513 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.0346% | 4,186 |
| Return on assets (ROA) | 0.0346% | 4,219 |
| Pretax return on assets | 0.0131% | 4,221 |
| Return on Equity (ROE) | 0.3300% | 4,211 |
| Retained earnings to average equity (ytd only) | 0.3310% | 3,892 |
| Net charge-offs to loans | -0.0279% | 4,225 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 99.5292% | 289 |
| Assets per employee ($millions) | 4.2634% | 4,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9791% | 3,344 |
| Loan loss allowance to noncurrent loans | 88.3318% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 0.8300% | 811 |
| Noncurrent loans to loans | 1.1085% | 896 |
| Net loans and leases to total assets | 74.1500% | 1,341 |
| Net loans and leases to deposits | 97.4745% | 620 |
| Net loans and leases to core deposits | 102.7721% | 1,313 |
| Total domestic deposits to total assets | 76.0700% | 3,922 |
| Equity capital to assets | 10.7546% | 1,846 |
| Core capital (leverage) ratio | 10.9330% | 2,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $396,450,250 | 2,050 |
| Average earning assets | $368,360,750 | 2,043 |
| Average equity | $41,492,500 | 1,929 |
| Average total loans | $296,125,000 | 1,857 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5069% | 3,771 |
| Cost of funding earning assets | 1.9061% | 2,347 |
| Net interest margin | 2.6008% | 3,743 |
| Noninterest income to average assets | 0.3600% | 2,636 |
| Noninterest expense to average assets | 2.7828% | 1,502 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.0222% | 4,202 |
| Return on assets (ROA) | 0.0222% | 4,234 |
| Pretax return on assets | -0.0101% | 4,268 |
| Return on Equity (ROE) | 0.2100% | 4,227 |
| Retained earnings to average equity (ytd only) | 0.2141% | 3,785 |
| Net charge-offs to loans | -0.0311% | 4,229 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 100.3639% | 275 |
| Assets per employee ($millions) | 4.1450% | 4,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9922% | 3,330 |
| Loan loss allowance to noncurrent loans | 89.6458% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 0.8301% | 770 |
| Noncurrent loans to loans | 1.1068% | 825 |
| Net loans and leases to total assets | 74.2600% | 1,385 |
| Net loans and leases to deposits | 95.4414% | 837 |
| Net loans and leases to core deposits | 100.6733% | 1,441 |
| Total domestic deposits to total assets | 77.8000% | 3,730 |
| Equity capital to assets | 10.3577% | 1,887 |
| Core capital (leverage) ratio | 10.8613% | 2,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $396,433,667 | 2,049 |
| Average earning assets | $368,192,000 | 2,041 |
| Average equity | $41,109,333 | 1,918 |
| Average total loans | $295,867,000 | 1,860 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4112% | 3,815 |
| Cost of funding earning assets | 1.8482% | 2,372 |
| Net interest margin | 2.5629% | 3,768 |
| Noninterest income to average assets | 0.3600% | 2,553 |
| Noninterest expense to average assets | 2.8036% | 1,450 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.0040% | 4,220 |
| Return on assets (ROA) | 0.0040% | 4,255 |
| Pretax return on assets | -0.0607% | 4,294 |
| Return on Equity (ROE) | 0.0400% | 4,246 |
| Retained earnings to average equity (ytd only) | 0.0386% | 3,686 |
| Net charge-offs to loans | 0.0014% | 2,169 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | -60.0000% | 4,577 |
| Efficiency ratio | 102.2116% | 263 |
| Assets per employee ($millions) | 4.1313% | 4,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9814% | 3,389 |
| Loan loss allowance to noncurrent loans | 208.5898% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 0.3486% | 1,716 |
| Noncurrent loans to loans | 0.4705% | 1,750 |
| Net loans and leases to total assets | 73.3700% | 1,414 |
| Net loans and leases to deposits | 94.0324% | 863 |
| Net loans and leases to core deposits | 97.6635% | 1,543 |
| Total domestic deposits to total assets | 78.0200% | 3,797 |
| Equity capital to assets | 10.3280% | 1,822 |
| Core capital (leverage) ratio | 10.9999% | 1,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $395,641,000 | 2,055 |
| Average earning assets | $367,704,500 | 2,050 |
| Average equity | $41,428,500 | 1,904 |
| Average total loans | $294,582,500 | 1,863 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1588% | 3,704 |
| Cost of funding earning assets | 1.3111% | 2,483 |
| Net interest margin | 2.8477% | 3,573 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 2.8721% | 1,327 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.1137% | 4,242 |
| Return on assets (ROA) | 0.1231% | 4,259 |
| Pretax return on assets | 0.1403% | 4,246 |
| Return on Equity (ROE) | 1.1800% | 4,240 |
| Retained earnings to average equity (ytd only) | 1.1766% | 3,793 |
| Net charge-offs to loans | -0.0207% | 4,165 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 95.5322% | 269 |
| Assets per employee ($millions) | 4.0682% | 4,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9975% | 3,326 |
| Loan loss allowance to noncurrent loans | 1,880.6452% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.0397% | 3,353 |
| Noncurrent loans to loans | 0.0530% | 3,340 |
| Net loans and leases to total assets | 74.0800% | 1,357 |
| Net loans and leases to deposits | 94.8510% | 877 |
| Net loans and leases to core deposits | 98.5141% | 1,520 |
| Total domestic deposits to total assets | 78.1000% | 3,715 |
| Equity capital to assets | 10.6182% | 1,667 |
| Core capital (leverage) ratio | 11.1645% | 1,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $383,408,400 | 2,065 |
| Average earning assets | $355,269,000 | 2,066 |
| Average equity | $40,114,800 | 1,885 |
| Average total loans | $275,605,400 | 1,893 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0562% | 3,744 |
| Cost of funding earning assets | 1.1643% | 2,548 |
| Net interest margin | 2.8919% | 3,567 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.9072% | 1,214 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.1204% | 4,302 |
| Return on assets (ROA) | 0.1328% | 4,307 |
| Pretax return on assets | 0.1544% | 4,297 |
| Return on Equity (ROE) | 1.2700% | 4,285 |
| Retained earnings to average equity (ytd only) | 1.2738% | 3,894 |
| Net charge-offs to loans | -0.0211% | 4,145 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 95.3259% | 239 |
| Assets per employee ($millions) | 3.9794% | 4,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0015% | 3,359 |
| Loan loss allowance to noncurrent loans | 1,751.5152% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.0423% | 3,377 |
| Noncurrent loans to loans | 0.0572% | 3,345 |
| Net loans and leases to total assets | 73.2500% | 1,442 |
| Net loans and leases to deposits | 95.0253% | 818 |
| Net loans and leases to core deposits | 98.9032% | 1,387 |
| Total domestic deposits to total assets | 77.0900% | 3,917 |
| Equity capital to assets | 10.1668% | 1,726 |
| Core capital (leverage) ratio | 10.9069% | 2,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $381,623,750 | 2,072 |
| Average earning assets | $353,393,000 | 2,079 |
| Average equity | $39,776,250 | 1,880 |
| Average total loans | $271,447,500 | 1,911 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9444% | 3,798 |
| Cost of funding earning assets | 0.9582% | 2,741 |
| Net interest margin | 2.9862% | 3,463 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.9226% | 1,167 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.1716% | 4,312 |
| Return on assets (ROA) | 0.1716% | 4,336 |
| Pretax return on assets | 0.2022% | 4,316 |
| Return on Equity (ROE) | 1.6300% | 4,309 |
| Retained earnings to average equity (ytd only) | 1.6324% | 3,796 |
| Net charge-offs to loans | -0.0233% | 4,164 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 93.2300% | 278 |
| Assets per employee ($millions) | 3.8874% | 4,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0277% | 3,303 |
| Loan loss allowance to noncurrent loans | 1,852.5641% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.0397% | 3,376 |
| Noncurrent loans to loans | 0.0555% | 3,302 |
| Net loans and leases to total assets | 70.8900% | 1,648 |
| Net loans and leases to deposits | 87.9589% | 1,348 |
| Net loans and leases to core deposits | 91.1631% | 1,726 |
| Total domestic deposits to total assets | 80.5900% | 3,487 |
| Equity capital to assets | 10.0657% | 1,815 |
| Core capital (leverage) ratio | 11.0320% | 1,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $378,836,667 | 2,082 |
| Average earning assets | $351,077,000 | 2,091 |
| Average equity | $39,818,667 | 1,887 |
| Average total loans | $265,745,000 | 1,925 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8333% | 3,793 |
| Cost of funding earning assets | 0.7602% | 2,871 |
| Net interest margin | 3.0732% | 3,415 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 3.0241% | 1,024 |
| Loan and lease loss provision to assets | -0.0200% | 4,456 |
| Net operating income to assets | 0.1796% | 4,375 |
| Return on assets (ROA) | 0.1796% | 4,345 |
| Pretax return on assets | 0.2205% | 4,320 |
| Return on Equity (ROE) | 1.6700% | 4,331 |
| Retained earnings to average equity (ytd only) | 1.6714% | 3,756 |
| Net charge-offs to loans | -0.0264% | 4,178 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 93.7333% | 267 |
| Assets per employee ($millions) | 3.8388% | 4,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0754% | 3,174 |
| Loan loss allowance to noncurrent loans | 1,007.0922% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.0742% | 3,056 |
| Noncurrent loans to loans | 0.1068% | 2,995 |
| Net loans and leases to total assets | 68.7400% | 1,762 |
| Net loans and leases to deposits | 78.9407% | 1,899 |
| Net loans and leases to core deposits | 81.5072% | 2,147 |
| Total domestic deposits to total assets | 87.0800% | 2,235 |
| Equity capital to assets | 10.6254% | 1,500 |
| Core capital (leverage) ratio | 11.0220% | 1,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $371,939,500 | 2,146 |
| Average earning assets | $344,140,000 | 2,154 |
| Average equity | $39,967,500 | 1,902 |
| Average total loans | $258,007,000 | 1,987 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0970% | 3,993 |
| Cost of funding earning assets | 0.2754% | 3,091 |
| Net interest margin | 2.8216% | 3,843 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 2.9367% | 1,071 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.0892% | 4,515 |
| Return on assets (ROA) | 0.0892% | 4,502 |
| Pretax return on assets | 0.0680% | 4,515 |
| Return on Equity (ROE) | 0.7900% | 4,506 |
| Retained earnings to average equity (ytd only) | 0.7892% | 4,235 |
| Net charge-offs to loans | -0.0264% | 4,159 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 97.8265% | 175 |
| Assets per employee ($millions) | 3.6751% | 4,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8931% | 3,798 |
| Loan loss allowance to noncurrent loans | 488.0694% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.1267% | 2,641 |
| Noncurrent loans to loans | 0.1830% | 2,574 |
| Net loans and leases to total assets | 68.6200% | 1,772 |
| Net loans and leases to deposits | 77.8819% | 1,964 |
| Net loans and leases to core deposits | 80.1876% | 2,125 |
| Total domestic deposits to total assets | 88.1100% | 2,034 |
| Equity capital to assets | 10.8714% | 1,316 |
| Core capital (leverage) ratio | 11.6565% | 1,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $367,826,400 | 2,152 |
| Average earning assets | $341,680,000 | 2,146 |
| Average equity | $41,561,200 | 1,873 |
| Average total loans | $223,561,800 | 2,087 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8918% | 4,071 |
| Cost of funding earning assets | 0.2327% | 2,898 |
| Net interest margin | 2.6591% | 4,010 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 2.9451% | 982 |
| Loan and lease loss provision to assets | -0.0200% | 4,406 |
| Net operating income to assets | 0.0318% | 4,578 |
| Return on assets (ROA) | 0.0318% | 4,548 |
| Pretax return on assets | 0.0007% | 4,555 |
| Return on Equity (ROE) | 0.2800% | 4,544 |
| Retained earnings to average equity (ytd only) | 0.2789% | 4,299 |
| Net charge-offs to loans | -0.0339% | 4,175 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 100.6672% | 148 |
| Assets per employee ($millions) | 3.8010% | 4,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9406% | 3,734 |
| Loan loss allowance to noncurrent loans | 462.1849% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.1332% | 2,678 |
| Noncurrent loans to loans | 0.2035% | 2,586 |
| Net loans and leases to total assets | 64.8500% | 1,996 |
| Net loans and leases to deposits | 73.9229% | 2,056 |
| Net loans and leases to core deposits | 75.9342% | 2,195 |
| Total domestic deposits to total assets | 87.7200% | 2,512 |
| Equity capital to assets | 11.1754% | 1,113 |
| Core capital (leverage) ratio | 11.6845% | 1,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $368,824,000 | 2,162 |
| Average earning assets | $343,167,000 | 2,153 |
| Average equity | $42,063,000 | 1,882 |
| Average total loans | $216,471,500 | 2,128 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6965% | 4,147 |
| Cost of funding earning assets | 0.2175% | 2,671 |
| Net interest margin | 2.4790% | 4,120 |
| Noninterest income to average assets | 0.4964% | 2,219 |
| Noninterest expense to average assets | 2.9050% | 982 |
| Loan and lease loss provision to assets | -0.0193% | 4,426 |
| Net operating income to assets | -0.0306% | 4,586 |
| Return on assets (ROA) | -0.0306% | 4,556 |
| Pretax return on assets | -0.0767% | 4,567 |
| Return on Equity (ROE) | -0.2665% | 4,558 |
| Retained earnings to average equity (ytd only) | -0.2665% | 4,212 |
| Net charge-offs to loans | -0.0342% | 4,096 |
| Credit loss provision to net charge-offs | 100.0000% | 1,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.4199% | 156 |
| Assets per employee ($millions) | 3.5002% | 4,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9969% | 3,606 |
| Loan loss allowance to noncurrent loans | 447.1545% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 0.1339% | 2,773 |
| Noncurrent loans to loans | 0.2229% | 2,609 |
| Net loans and leases to total assets | 59.4486% | 2,389 |
| Net loans and leases to deposits | 67.6150% | 2,421 |
| Net loans and leases to core deposits | 69.4172% | 2,530 |
| Total domestic deposits to total assets | 87.9223% | 2,604 |
| Equity capital to assets | 11.1091% | 1,164 |
| Core capital (leverage) ratio | 11.3825% | 1,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $372,667,000 | 2,149 |
| Average earning assets | $347,635,000 | 2,152 |
| Average equity | $42,774,333 | 1,905 |
| Average total loans | $210,664,667 | 2,167 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4958% | 4,272 |
| Cost of funding earning assets | 0.2201% | 2,527 |
| Net interest margin | 2.2758% | 4,270 |
| Noninterest income to average assets | 0.4786% | 2,247 |
| Noninterest expense to average assets | 2.8867% | 984 |
| Loan and lease loss provision to assets | -0.0192% | 4,446 |
| Net operating income to assets | -0.1695% | 4,628 |
| Return on assets (ROA) | -0.1695% | 4,612 |
| Pretax return on assets | -0.2612% | 4,626 |
| Return on Equity (ROE) | -1.4538% | 4,610 |
| Retained earnings to average equity (ytd only) | -1.4538% | 4,190 |
| Net charge-offs to loans | -0.0350% | 4,143 |
| Credit loss provision to net charge-offs | 100.0000% | 1,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.7566% | 127 |
| Assets per employee ($millions) | 3.5340% | 4,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0568% | 3,501 |
| Loan loss allowance to noncurrent loans | 451.7454% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.1276% | 2,906 |
| Noncurrent loans to loans | 0.2339% | 2,655 |
| Net loans and leases to total assets | 53.9647% | 2,763 |
| Net loans and leases to deposits | 62.4840% | 2,677 |
| Net loans and leases to core deposits | 63.8156% | 2,812 |
| Total domestic deposits to total assets | 86.3655% | 3,145 |
| Equity capital to assets | 11.1376% | 1,273 |
| Core capital (leverage) ratio | 11.6044% | 1,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $375,241,000 | 2,150 |
| Average earning assets | $350,825,000 | 2,142 |
| Average equity | $43,747,500 | 1,929 |
| Average total loans | $205,654,500 | 2,191 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4045% | 4,537 |
| Cost of funding earning assets | 0.3363% | 2,059 |
| Net interest margin | 2.0682% | 4,563 |
| Noninterest income to average assets | 1.1926% | 744 |
| Noninterest expense to average assets | 2.7570% | 1,467 |
| Loan and lease loss provision to assets | -0.0373% | 4,301 |
| Net operating income to assets | 0.3905% | 4,289 |
| Return on assets (ROA) | 0.3905% | 4,320 |
| Pretax return on assets | 0.4038% | 4,387 |
| Return on Equity (ROE) | 3.2700% | 4,322 |
| Retained earnings to average equity (ytd only) | 3.2700% | 3,512 |
| Net charge-offs to loans | -0.0684% | 4,448 |
| Credit loss provision to net charge-offs | 99.2908% | 1,821 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2664% | 375 |
| Assets per employee ($millions) | 3.3836% | 4,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0830% | 3,425 |
| Loan loss allowance to noncurrent loans | 431.3725% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.1383% | 2,973 |
| Noncurrent loans to loans | 0.2511% | 2,724 |
| Net loans and leases to total assets | 54.4836% | 2,791 |
| Net loans and leases to deposits | 63.7643% | 2,703 |
| Net loans and leases to core deposits | 65.1268% | 2,892 |
| Total domestic deposits to total assets | 85.4454% | 3,113 |
| Equity capital to assets | 12.1976% | 1,173 |
| Core capital (leverage) ratio | 11.6299% | 1,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $374,903,000 | 2,092 |
| Average earning assets | $350,011,800 | 2,083 |
| Average equity | $44,770,800 | 1,932 |
| Average total loans | $205,997,800 | 2,198 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4027% | 4,632 |
| Cost of funding earning assets | 0.3648% | 1,984 |
| Net interest margin | 2.0378% | 4,661 |
| Noninterest income to average assets | 1.3123% | 685 |
| Noninterest expense to average assets | 2.7362% | 1,493 |
| Loan and lease loss provision to assets | -0.0449% | 4,439 |
| Net operating income to assets | 0.5008% | 4,204 |
| Return on assets (ROA) | 0.5008% | 4,245 |
| Pretax return on assets | 0.5224% | 4,341 |
| Return on Equity (ROE) | 4.2160% | 4,265 |
| Retained earnings to average equity (ytd only) | 4.2160% | 3,506 |
| Net charge-offs to loans | -0.0819% | 4,541 |
| Credit loss provision to net charge-offs | 100.0000% | 1,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1427% | 467 |
| Assets per employee ($millions) | 3.4134% | 4,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0748% | 3,558 |
| Loan loss allowance to noncurrent loans | 71.1054% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 0.8393% | 835 |
| Noncurrent loans to loans | 1.5116% | 692 |
| Net loans and leases to total assets | 54.9262% | 2,859 |
| Net loans and leases to deposits | 64.5182% | 2,796 |
| Net loans and leases to core deposits | 65.8997% | 2,963 |
| Total domestic deposits to total assets | 85.1328% | 3,070 |
| Equity capital to assets | 12.2734% | 1,274 |
| Core capital (leverage) ratio | 11.8753% | 1,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $376,426,250 | 2,104 |
| Average earning assets | $351,212,750 | 2,095 |
| Average equity | $44,717,000 | 1,956 |
| Average total loans | $206,712,000 | 2,224 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3074% | 4,720 |
| Cost of funding earning assets | 0.4040% | 1,853 |
| Net interest margin | 1.9034% | 4,751 |
| Noninterest income to average assets | 1.5651% | 505 |
| Noninterest expense to average assets | 2.6843% | 1,632 |
| Loan and lease loss provision to assets | -0.0517% | 4,524 |
| Net operating income to assets | 0.6865% | 3,791 |
| Return on assets (ROA) | 0.6865% | 3,856 |
| Pretax return on assets | 0.7076% | 4,050 |
| Return on Equity (ROE) | 5.8418% | 3,948 |
| Retained earnings to average equity (ytd only) | 5.8418% | 2,874 |
| Net charge-offs to loans | -0.0945% | 4,612 |
| Credit loss provision to net charge-offs | 100.0000% | 1,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3633% | 762 |
| Assets per employee ($millions) | 3.4058% | 4,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0724% | 3,532 |
| Loan loss allowance to noncurrent loans | 59.7339% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 0.9742% | 780 |
| Noncurrent loans to loans | 1.7953% | 580 |
| Net loans and leases to total assets | 53.6844% | 3,171 |
| Net loans and leases to deposits | 62.8973% | 3,113 |
| Net loans and leases to core deposits | 64.2670% | 3,267 |
| Total domestic deposits to total assets | 85.3525% | 2,961 |
| Equity capital to assets | 11.9441% | 1,390 |
| Core capital (leverage) ratio | 11.4900% | 1,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7115% | 390 |
| Memoranda: | ||
| Average total assets | $379,020,333 | 2,080 |
| Average earning assets | $353,465,333 | 2,079 |
| Average equity | $44,541,000 | 1,949 |
| Average total loans | $207,388,667 | 2,227 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2972% | 4,761 |
| Cost of funding earning assets | 0.4522% | 1,705 |
| Net interest margin | 1.8450% | 4,795 |
| Noninterest income to average assets | 1.6506% | 516 |
| Noninterest expense to average assets | 2.6350% | 1,782 |
| Loan and lease loss provision to assets | -0.0474% | 4,648 |
| Net operating income to assets | 0.7367% | 3,610 |
| Return on assets (ROA) | 0.7367% | 3,679 |
| Pretax return on assets | 0.7789% | 3,853 |
| Return on Equity (ROE) | 6.3209% | 3,769 |
| Retained earnings to average equity (ytd only) | 6.3209% | 2,787 |
| Net charge-offs to loans | -0.0863% | 4,587 |
| Credit loss provision to net charge-offs | 100.0000% | 1,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2718% | 936 |
| Assets per employee ($millions) | 3.4648% | 4,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0508% | 3,645 |
| Loan loss allowance to noncurrent loans | 58.5262% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 1.0013% | 824 |
| Noncurrent loans to loans | 1.7954% | 650 |
| Net loans and leases to total assets | 53.8688% | 3,257 |
| Net loans and leases to deposits | 62.4512% | 3,282 |
| Net loans and leases to core deposits | 64.1357% | 3,401 |
| Total domestic deposits to total assets | 86.2575% | 2,646 |
| Equity capital to assets | 11.5815% | 1,493 |
| Core capital (leverage) ratio | 11.4538% | 1,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $379,509,000 | 2,063 |
| Average earning assets | $352,945,500 | 2,064 |
| Average equity | $44,234,500 | 1,943 |
| Average total loans | $208,508,000 | 2,223 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7556% | 4,770 |
| Cost of funding earning assets | 0.7967% | 1,228 |
| Net interest margin | 1.9589% | 4,844 |
| Noninterest income to average assets | 1.1388% | 828 |
| Noninterest expense to average assets | 2.7127% | 2,208 |
| Loan and lease loss provision to assets | 0.1197% | 2,867 |
| Net operating income to assets | 0.1377% | 4,638 |
| Return on assets (ROA) | 0.1377% | 4,684 |
| Pretax return on assets | 0.1245% | 4,693 |
| Return on Equity (ROE) | 1.1923% | 4,656 |
| Retained earnings to average equity (ytd only) | 1.1923% | 4,153 |
| Net charge-offs to loans | -0.1445% | 4,863 |
| Credit loss provision to net charge-offs | -139.9381% | 3,761 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7421% | 323 |
| Assets per employee ($millions) | 3.4351% | 4,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0595% | 3,637 |
| Loan loss allowance to noncurrent loans | 52.8846% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 1.1401% | 787 |
| Noncurrent loans to loans | 2.0034% | 571 |
| Net loans and leases to total assets | 54.8682% | 3,402 |
| Net loans and leases to deposits | 63.7382% | 3,459 |
| Net loans and leases to core deposits | 65.6720% | 3,568 |
| Total domestic deposits to total assets | 86.0836% | 2,328 |
| Equity capital to assets | 11.7320% | 1,712 |
| Core capital (leverage) ratio | 11.2634% | 1,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $377,599,600 | 1,929 |
| Average earning assets | $350,447,200 | 1,937 |
| Average equity | $43,612,400 | 1,881 |
| Average total loans | $223,491,600 | 2,084 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8327% | 4,820 |
| Cost of funding earning assets | 0.8517% | 1,252 |
| Net interest margin | 1.9809% | 4,890 |
| Noninterest income to average assets | 1.1099% | 845 |
| Noninterest expense to average assets | 2.6617% | 2,359 |
| Loan and lease loss provision to assets | 0.2249% | 1,803 |
| Net operating income to assets | 0.0765% | 4,722 |
| Return on assets (ROA) | 0.0765% | 4,747 |
| Pretax return on assets | 0.0624% | 4,753 |
| Return on Equity (ROE) | 0.6646% | 4,739 |
| Retained earnings to average equity (ytd only) | 0.6646% | 4,345 |
| Net charge-offs to loans | -0.0510% | 4,679 |
| Credit loss provision to net charge-offs | -733.3333% | 3,856 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2617% | 357 |
| Assets per employee ($millions) | 3.6065% | 4,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0083% | 3,673 |
| Loan loss allowance to noncurrent loans | 327.2451% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.2042% | 3,416 |
| Noncurrent loans to loans | 0.3081% | 3,177 |
| Net loans and leases to total assets | 56.2771% | 3,595 |
| Net loans and leases to deposits | 65.4744% | 3,659 |
| Net loans and leases to core deposits | 68.2196% | 3,749 |
| Total domestic deposits to total assets | 85.9528% | 2,094 |
| Equity capital to assets | 11.6434% | 1,909 |
| Core capital (leverage) ratio | 11.1152% | 1,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $378,392,000 | 1,913 |
| Average earning assets | $351,272,500 | 1,916 |
| Average equity | $43,533,500 | 1,879 |
| Average total loans | $227,453,750 | 2,047 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9866% | 4,845 |
| Cost of funding earning assets | 0.9113% | 1,323 |
| Net interest margin | 2.0753% | 4,927 |
| Noninterest income to average assets | 0.9054% | 1,158 |
| Noninterest expense to average assets | 2.6203% | 2,595 |
| Loan and lease loss provision to assets | 0.2134% | 1,944 |
| Net operating income to assets | 0.0216% | 4,761 |
| Return on assets (ROA) | 0.0216% | 4,784 |
| Pretax return on assets | -0.0021% | 4,792 |
| Return on Equity (ROE) | 0.1886% | 4,782 |
| Retained earnings to average equity (ytd only) | 0.1886% | 4,276 |
| Net charge-offs to loans | -0.0603% | 4,728 |
| Credit loss provision to net charge-offs | -578.5714% | 3,638 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5368% | 334 |
| Assets per employee ($millions) | 3.5938% | 4,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8311% | 4,257 |
| Loan loss allowance to noncurrent loans | 174.9540% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.3133% | 3,059 |
| Noncurrent loans to loans | 0.4751% | 2,726 |
| Net loans and leases to total assets | 58.4093% | 3,479 |
| Net loans and leases to deposits | 67.3894% | 3,611 |
| Net loans and leases to core deposits | 70.1468% | 3,695 |
| Total domestic deposits to total assets | 86.6743% | 1,741 |
| Equity capital to assets | 11.2161% | 2,170 |
| Core capital (leverage) ratio | 11.1816% | 1,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $379,496,667 | 1,893 |
| Average earning assets | $352,239,333 | 1,889 |
| Average equity | $43,487,333 | 1,870 |
| Average total loans | $232,194,000 | 2,000 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2540% | 4,839 |
| Cost of funding earning assets | 0.9969% | 1,433 |
| Net interest margin | 2.2571% | 4,936 |
| Noninterest income to average assets | 0.5843% | 2,108 |
| Noninterest expense to average assets | 2.6526% | 2,831 |
| Loan and lease loss provision to assets | -0.0032% | 5,033 |
| Net operating income to assets | 0.0448% | 4,717 |
| Return on assets (ROA) | 0.0448% | 4,710 |
| Pretax return on assets | 0.0277% | 4,718 |
| Return on Equity (ROE) | 0.3865% | 4,706 |
| Retained earnings to average equity (ytd only) | 0.3865% | 3,906 |
| Net charge-offs to loans | -0.0120% | 4,135 |
| Credit loss provision to net charge-offs | 42.8571% | 2,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0840% | 253 |
| Assets per employee ($millions) | 3.5378% | 4,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6065% | 4,745 |
| Loan loss allowance to noncurrent loans | 132.4374% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 0.3270% | 3,138 |
| Noncurrent loans to loans | 0.4579% | 2,879 |
| Net loans and leases to total assets | 61.8656% | 3,312 |
| Net loans and leases to deposits | 70.8717% | 3,528 |
| Net loans and leases to core deposits | 73.8790% | 3,643 |
| Total domestic deposits to total assets | 87.2924% | 1,430 |
| Equity capital to assets | 11.5072% | 2,432 |
| Core capital (leverage) ratio | 11.4145% | 2,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $375,180,000 | 1,873 |
| Average earning assets | $347,878,500 | 1,858 |
| Average equity | $43,464,500 | 1,866 |
| Average total loans | $233,989,000 | 1,969 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6573% | 4,723 |
| Cost of funding earning assets | 1.0441% | 1,535 |
| Net interest margin | 2.6132% | 4,900 |
| Noninterest income to average assets | 0.4940% | 2,774 |
| Noninterest expense to average assets | 2.7316% | 2,795 |
| Loan and lease loss provision to assets | -0.0535% | 5,024 |
| Net operating income to assets | 0.2025% | 4,836 |
| Return on assets (ROA) | 0.2114% | 4,855 |
| Pretax return on assets | 0.2459% | 4,855 |
| Return on Equity (ROE) | 1.8166% | 4,815 |
| Retained earnings to average equity (ytd only) | 1.8166% | 4,075 |
| Net charge-offs to loans | -0.0202% | 4,622 |
| Credit loss provision to net charge-offs | 419.1489% | 682 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7517% | 250 |
| Assets per employee ($millions) | 3.5751% | 4,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6133% | 4,718 |
| Loan loss allowance to noncurrent loans | 131.8224% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.3453% | 3,028 |
| Noncurrent loans to loans | 0.4652% | 2,782 |
| Net loans and leases to total assets | 62.1102% | 3,388 |
| Net loans and leases to deposits | 71.2536% | 3,570 |
| Net loans and leases to core deposits | 74.2711% | 3,697 |
| Total domestic deposits to total assets | 87.1678% | 1,535 |
| Equity capital to assets | 11.6641% | 2,375 |
| Core capital (leverage) ratio | 11.5531% | 2,072 |
| Tier 1 risk-based capital ratio | 25.8468% | 690 |
| Total risk-based capital ratio | 26.7056% | 699 |
| Memoranda: | ||
| Average total assets | $368,024,000 | 1,853 |
| Average earning assets | $340,767,400 | 1,844 |
| Average equity | $42,827,200 | 1,821 |
| Average total loans | $233,175,600 | 1,936 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7131% | 4,769 |
| Cost of funding earning assets | 1.0312% | 1,624 |
| Net interest margin | 2.6819% | 4,952 |
| Noninterest income to average assets | 0.4700% | 2,908 |
| Noninterest expense to average assets | 2.7677% | 2,658 |
| Loan and lease loss provision to assets | -0.0690% | 5,138 |
| Net operating income to assets | 0.2090% | 4,944 |
| Return on assets (ROA) | 0.2205% | 4,948 |
| Pretax return on assets | 0.2666% | 4,928 |
| Return on Equity (ROE) | 1.8957% | 4,906 |
| Retained earnings to average equity (ytd only) | 1.8957% | 4,308 |
| Net charge-offs to loans | -0.0229% | 4,619 |
| Credit loss provision to net charge-offs | 475.0000% | 657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7731% | 239 |
| Assets per employee ($millions) | 3.4025% | 4,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6015% | 4,817 |
| Loan loss allowance to noncurrent loans | 100.1405% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 0.4573% | 2,696 |
| Noncurrent loans to loans | 0.6007% | 2,480 |
| Net loans and leases to total assets | 64.6796% | 3,217 |
| Net loans and leases to deposits | 74.5321% | 3,431 |
| Net loans and leases to core deposits | 77.9667% | 3,555 |
| Total domestic deposits to total assets | 86.7808% | 1,629 |
| Equity capital to assets | 11.8606% | 2,365 |
| Core capital (leverage) ratio | 11.4602% | 2,251 |
| Tier 1 risk-based capital ratio | 24.5892% | 800 |
| Total risk-based capital ratio | 25.4181% | 817 |
| Memoranda: | ||
| Average total assets | $367,076,250 | 1,872 |
| Average earning assets | $339,650,500 | 1,861 |
| Average equity | $42,691,750 | 1,836 |
| Average total loans | $233,379,500 | 1,954 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6942% | 4,835 |
| Cost of funding earning assets | 0.9998% | 1,695 |
| Net interest margin | 2.6943% | 5,007 |
| Noninterest income to average assets | 0.4401% | 3,012 |
| Noninterest expense to average assets | 2.8027% | 2,577 |
| Loan and lease loss provision to assets | -0.0869% | 5,203 |
| Net operating income to assets | 0.1787% | 5,016 |
| Return on assets (ROA) | 0.1902% | 5,014 |
| Pretax return on assets | 0.2336% | 4,997 |
| Return on Equity (ROE) | 1.6459% | 4,990 |
| Retained earnings to average equity (ytd only) | 1.6459% | 4,230 |
| Net charge-offs to loans | -0.0301% | 4,680 |
| Credit loss provision to net charge-offs | 457.1429% | 644 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4832% | 210 |
| Assets per employee ($millions) | 3.3509% | 4,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6242% | 4,834 |
| Loan loss allowance to noncurrent loans | 87.0348% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 0.5241% | 2,463 |
| Noncurrent loans to loans | 0.7172% | 2,190 |
| Net loans and leases to total assets | 62.6266% | 3,482 |
| Net loans and leases to deposits | 71.8653% | 3,697 |
| Net loans and leases to core deposits | 75.1701% | 3,800 |
| Total domestic deposits to total assets | 87.1444% | 1,520 |
| Equity capital to assets | 11.6280% | 2,501 |
| Core capital (leverage) ratio | 11.3251% | 2,313 |
| Tier 1 risk-based capital ratio | 23.6070% | 885 |
| Total risk-based capital ratio | 24.4222% | 907 |
| Memoranda: | ||
| Average total assets | $368,078,330 | 1,878 |
| Average earning assets | $340,862,670 | 1,863 |
| Average equity | $42,528,670 | 1,846 |
| Average total loans | $232,204,670 | 1,964 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6923% | 4,857 |
| Cost of funding earning assets | 0.9598% | 1,750 |
| Net interest margin | 2.7325% | 5,043 |
| Noninterest income to average assets | 0.4089% | 3,127 |
| Noninterest expense to average assets | 2.8514% | 2,411 |
| Loan and lease loss provision to assets | -0.0903% | 5,285 |
| Net operating income to assets | 0.1489% | 5,054 |
| Return on assets (ROA) | 0.1599% | 5,049 |
| Pretax return on assets | 0.1903% | 5,037 |
| Return on Equity (ROE) | 1.3880% | 5,038 |
| Retained earnings to average equity (ytd only) | 1.3880% | 4,228 |
| Net charge-offs to loans | -0.0138% | 4,351 |
| Credit loss provision to net charge-offs | 1,037.5000% | 356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0392% | 212 |
| Assets per employee ($millions) | 3.1970% | 4,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6462% | 4,856 |
| Loan loss allowance to noncurrent loans | 91.1300% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 0.4902% | 2,650 |
| Noncurrent loans to loans | 0.7091% | 2,256 |
| Net loans and leases to total assets | 62.1832% | 3,485 |
| Net loans and leases to deposits | 71.2004% | 3,667 |
| Net loans and leases to core deposits | 74.3749% | 3,776 |
| Total domestic deposits to total assets | 87.3354% | 1,650 |
| Equity capital to assets | 11.4830% | 2,415 |
| Core capital (leverage) ratio | 11.3462% | 2,244 |
| Tier 1 risk-based capital ratio | 23.5256% | 884 |
| Total risk-based capital ratio | 24.3707% | 901 |
| Memoranda: | ||
| Average total assets | $367,816,500 | 1,885 |
| Average earning assets | $340,496,500 | 1,880 |
| Average equity | $42,362,500 | 1,839 |
| Average total loans | $232,160,500 | 1,974 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5854% | 4,813 |
| Cost of funding earning assets | 0.7606% | 1,736 |
| Net interest margin | 2.8248% | 4,999 |
| Noninterest income to average assets | 0.4517% | 3,092 |
| Noninterest expense to average assets | 2.6863% | 3,075 |
| Loan and lease loss provision to assets | -0.0677% | 5,226 |
| Net operating income to assets | 0.3370% | 4,965 |
| Return on assets (ROA) | 0.3370% | 4,957 |
| Pretax return on assets | 0.4426% | 4,884 |
| Return on Equity (ROE) | 2.9650% | 4,904 |
| Retained earnings to average equity (ytd only) | 2.9650% | 3,921 |
| Net charge-offs to loans | -0.0304% | 4,816 |
| Credit loss provision to net charge-offs | 343.0556% | 913 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7531% | 446 |
| Assets per employee ($millions) | 3.1998% | 4,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6783% | 4,846 |
| Loan loss allowance to noncurrent loans | 78.4363% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 0.5984% | 2,236 |
| Noncurrent loans to loans | 0.8647% | 1,870 |
| Net loans and leases to total assets | 63.2265% | 3,436 |
| Net loans and leases to deposits | 72.3740% | 3,635 |
| Net loans and leases to core deposits | 75.7697% | 3,737 |
| Total domestic deposits to total assets | 87.3608% | 1,606 |
| Equity capital to assets | 11.5522% | 2,219 |
| Core capital (leverage) ratio | 11.4125% | 2,169 |
| Tier 1 risk-based capital ratio | 23.1346% | 908 |
| Total risk-based capital ratio | 24.0131% | 907 |
| Memoranda: | ||
| Average total assets | $364,634,600 | 1,857 |
| Average earning assets | $336,834,400 | 1,860 |
| Average equity | $41,450,200 | 1,799 |
| Average total loans | $237,068,600 | 1,901 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5691% | 4,852 |
| Cost of funding earning assets | 0.7263% | 1,710 |
| Net interest margin | 2.8428% | 5,045 |
| Noninterest income to average assets | 0.4586% | 3,115 |
| Noninterest expense to average assets | 2.6834% | 3,022 |
| Loan and lease loss provision to assets | -0.0731% | 5,320 |
| Net operating income to assets | 0.3595% | 5,011 |
| Return on assets (ROA) | 0.3595% | 5,011 |
| Pretax return on assets | 0.4747% | 4,934 |
| Return on Equity (ROE) | 3.1751% | 4,981 |
| Retained earnings to average equity (ytd only) | 3.1751% | 4,158 |
| Net charge-offs to loans | -0.0280% | 4,725 |
| Credit loss provision to net charge-offs | 400.0000% | 820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9844% | 461 |
| Assets per employee ($millions) | 3.2770% | 4,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6775% | 4,916 |
| Loan loss allowance to noncurrent loans | 60.9756% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 0.7976% | 1,854 |
| Noncurrent loans to loans | 1.1110% | 1,531 |
| Net loans and leases to total assets | 65.6711% | 3,221 |
| Net loans and leases to deposits | 75.4649% | 3,460 |
| Net loans and leases to core deposits | 78.9917% | 3,569 |
| Total domestic deposits to total assets | 87.0220% | 1,720 |
| Equity capital to assets | 11.6412% | 2,153 |
| Core capital (leverage) ratio | 11.3912% | 2,258 |
| Tier 1 risk-based capital ratio | 22.6547% | 974 |
| Total risk-based capital ratio | 23.5409% | 988 |
| Memoranda: | ||
| Average total assets | $364,598,500 | 1,864 |
| Average earning assets | $336,841,500 | 1,873 |
| Average equity | $41,277,750 | 1,812 |
| Average total loans | $238,282,750 | 1,901 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4564% | 4,972 |
| Cost of funding earning assets | 0.6971% | 1,636 |
| Net interest margin | 2.7593% | 5,166 |
| Noninterest income to average assets | 0.4626% | 3,076 |
| Noninterest expense to average assets | 2.7112% | 2,976 |
| Loan and lease loss provision to assets | -0.0392% | 5,361 |
| Net operating income to assets | 0.2648% | 5,168 |
| Return on assets (ROA) | 0.2648% | 5,161 |
| Pretax return on assets | 0.3400% | 5,118 |
| Return on Equity (ROE) | 2.3606% | 5,127 |
| Retained earnings to average equity (ytd only) | 2.3606% | 4,332 |
| Net charge-offs to loans | -0.0184% | 4,530 |
| Credit loss provision to net charge-offs | 327.2727% | 946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0145% | 367 |
| Assets per employee ($millions) | 3.2648% | 4,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7164% | 4,910 |
| Loan loss allowance to noncurrent loans | 56.2355% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 1.0926% | 1,352 |
| Noncurrent loans to loans | 1.2740% | 1,342 |
| Net loans and leases to total assets | 64.4290% | 3,347 |
| Net loans and leases to deposits | 73.7510% | 3,565 |
| Net loans and leases to core deposits | 76.9282% | 3,668 |
| Total domestic deposits to total assets | 87.3602% | 1,700 |
| Equity capital to assets | 11.2666% | 2,390 |
| Core capital (leverage) ratio | 10.9788% | 2,546 |
| Tier 1 risk-based capital ratio | 22.2534% | 1,007 |
| Total risk-based capital ratio | 23.1885% | 1,025 |
| Memoranda: | ||
| Average total assets | $367,065,330 | 1,856 |
| Average earning assets | $339,143,000 | 1,872 |
| Average equity | $41,176,330 | 1,818 |
| Average total loans | $238,985,000 | 1,896 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4013% | 5,019 |
| Cost of funding earning assets | 0.6777% | 1,555 |
| Net interest margin | 2.7236% | 5,239 |
| Noninterest income to average assets | 0.4568% | 3,067 |
| Noninterest expense to average assets | 2.7702% | 2,805 |
| Loan and lease loss provision to assets | -0.0685% | 5,485 |
| Net operating income to assets | 0.2175% | 5,221 |
| Return on assets (ROA) | 0.2175% | 5,221 |
| Pretax return on assets | 0.2730% | 5,188 |
| Return on Equity (ROE) | 1.9434% | 5,187 |
| Retained earnings to average equity (ytd only) | 1.9434% | 4,364 |
| Net charge-offs to loans | -0.0217% | 4,599 |
| Credit loss provision to net charge-offs | 484.6154% | 615 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1261% | 330 |
| Assets per employee ($millions) | 3.4266% | 4,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7106% | 5,007 |
| Loan loss allowance to noncurrent loans | 43.9163% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 1.1266% | 1,375 |
| Noncurrent loans to loans | 1.6180% | 1,073 |
| Net loans and leases to total assets | 63.5994% | 3,360 |
| Net loans and leases to deposits | 72.4599% | 3,556 |
| Net loans and leases to core deposits | 75.4536% | 3,713 |
| Total domestic deposits to total assets | 87.7719% | 1,745 |
| Equity capital to assets | 10.9984% | 2,580 |
| Core capital (leverage) ratio | 11.0130% | 2,424 |
| Tier 1 risk-based capital ratio | 22.1579% | 1,031 |
| Total risk-based capital ratio | 23.0938% | 1,053 |
| Memoranda: | ||
| Average total assets | $367,770,500 | 1,866 |
| Average earning assets | $339,990,500 | 1,874 |
| Average equity | $41,166,000 | 1,823 |
| Average total loans | $239,833,500 | 1,900 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3404% | 5,031 |
| Cost of funding earning assets | 0.6307% | 1,413 |
| Net interest margin | 2.7096% | 5,269 |
| Noninterest income to average assets | 0.5425% | 2,762 |
| Noninterest expense to average assets | 2.6990% | 3,129 |
| Loan and lease loss provision to assets | -0.1697% | 5,557 |
| Net operating income to assets | 0.3016% | 4,923 |
| Return on assets (ROA) | 0.3016% | 4,940 |
| Pretax return on assets | 0.5143% | 4,907 |
| Return on Equity (ROE) | 2.6999% | 4,912 |
| Retained earnings to average equity (ytd only) | 2.6999% | 3,698 |
| Net charge-offs to loans | 0.0930% | 2,151 |
| Credit loss provision to net charge-offs | -269.5652% | 4,855 |
| Earnings coverage of net charge-offs (x) | 5.4739% | 3,322 |
| Efficiency ratio | 88.6781% | 492 |
| Assets per employee ($millions) | 3.2325% | 5,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7279% | 5,011 |
| Loan loss allowance to noncurrent loans | 42.6725% | 4,637 |
| Noncurrent assets plus other real estate owned to assets | 1.2291% | 1,190 |
| Noncurrent loans to loans | 1.7057% | 958 |
| Net loans and leases to total assets | 65.9244% | 3,111 |
| Net loans and leases to deposits | 75.4159% | 3,390 |
| Net loans and leases to core deposits | 78.2897% | 3,564 |
| Total domestic deposits to total assets | 87.4144% | 1,806 |
| Equity capital to assets | 11.3945% | 2,289 |
| Core capital (leverage) ratio | 11.1607% | 2,186 |
| Tier 1 risk-based capital ratio | 22.2335% | 992 |
| Total risk-based capital ratio | 23.1998% | 1,006 |
| Memoranda: | ||
| Average total assets | $365,358,600 | 1,849 |
| Average earning assets | $337,240,000 | 1,857 |
| Average equity | $40,817,000 | 1,819 |
| Average total loans | $247,330,200 | 1,832 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3221% | 5,081 |
| Cost of funding earning assets | 0.6200% | 1,403 |
| Net interest margin | 2.7021% | 5,319 |
| Noninterest income to average assets | 0.5341% | 2,811 |
| Noninterest expense to average assets | 2.7191% | 2,996 |
| Loan and lease loss provision to assets | -0.1016% | 5,586 |
| Net operating income to assets | 0.3000% | 5,213 |
| Return on assets (ROA) | 0.3000% | 5,236 |
| Pretax return on assets | 0.4111% | 5,168 |
| Return on Equity (ROE) | 2.6988% | 5,178 |
| Retained earnings to average equity (ytd only) | 2.6988% | 4,282 |
| Net charge-offs to loans | 0.1183% | 1,603 |
| Credit loss provision to net charge-offs | -126.2443% | 4,546 |
| Earnings coverage of net charge-offs (x) | 3.8462% | 3,293 |
| Efficiency ratio | 89.7812% | 415 |
| Assets per employee ($millions) | 3.2350% | 5,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8616% | 4,717 |
| Loan loss allowance to noncurrent loans | 44.5104% | 4,650 |
| Noncurrent assets plus other real estate owned to assets | 1.5306% | 984 |
| Noncurrent loans to loans | 1.9357% | 891 |
| Net loans and leases to total assets | 67.2936% | 2,948 |
| Net loans and leases to deposits | 77.2613% | 3,247 |
| Net loans and leases to core deposits | 80.3204% | 3,426 |
| Total domestic deposits to total assets | 87.0988% | 1,828 |
| Equity capital to assets | 11.4364% | 2,435 |
| Core capital (leverage) ratio | 10.9984% | 2,461 |
| Tier 1 risk-based capital ratio | 21.8655% | 1,056 |
| Total risk-based capital ratio | 23.0284% | 1,052 |
| Memoranda: | ||
| Average total assets | $366,187,750 | 1,860 |
| Average earning assets | $338,046,750 | 1,863 |
| Average equity | $40,708,000 | 1,842 |
| Average total loans | $249,056,750 | 1,830 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2557% | 5,172 |
| Cost of funding earning assets | 0.6064% | 1,402 |
| Net interest margin | 2.6493% | 5,406 |
| Noninterest income to average assets | 0.5530% | 2,702 |
| Noninterest expense to average assets | 2.7165% | 3,030 |
| Loan and lease loss provision to assets | -0.1471% | 5,680 |
| Net operating income to assets | 0.3218% | 5,168 |
| Return on assets (ROA) | 0.3218% | 5,188 |
| Pretax return on assets | 0.4303% | 5,115 |
| Return on Equity (ROE) | 2.9220% | 5,147 |
| Retained earnings to average equity (ytd only) | 2.9220% | 3,977 |
| Net charge-offs to loans | 0.1826% | 1,091 |
| Credit loss provision to net charge-offs | -118.3406% | 4,380 |
| Earnings coverage of net charge-offs (x) | 2.2795% | 3,178 |
| Efficiency ratio | 90.5572% | 425 |
| Assets per employee ($millions) | 3.1613% | 5,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8485% | 4,820 |
| Loan loss allowance to noncurrent loans | 50.9461% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 1.2969% | 1,279 |
| Noncurrent loans to loans | 1.6654% | 1,099 |
| Net loans and leases to total assets | 67.5026% | 2,876 |
| Net loans and leases to deposits | 77.0814% | 3,208 |
| Net loans and leases to core deposits | 79.8534% | 3,430 |
| Total domestic deposits to total assets | 87.5732% | 1,677 |
| Equity capital to assets | 11.2432% | 2,553 |
| Core capital (leverage) ratio | 10.7381% | 2,666 |
| Tier 1 risk-based capital ratio | 21.4097% | 1,128 |
| Total risk-based capital ratio | 22.5551% | 1,123 |
| Memoranda: | ||
| Average total assets | $368,556,000 | 1,852 |
| Average earning assets | $340,385,670 | 1,852 |
| Average equity | $40,588,670 | 1,846 |
| Average total loans | $250,829,000 | 1,821 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2110% | 5,231 |
| Cost of funding earning assets | 0.5964% | 1,397 |
| Net interest margin | 2.6146% | 5,460 |
| Noninterest income to average assets | 0.6166% | 2,340 |
| Noninterest expense to average assets | 2.7295% | 3,035 |
| Loan and lease loss provision to assets | -0.1746% | 5,785 |
| Net operating income to assets | 0.3741% | 5,012 |
| Return on assets (ROA) | 0.3741% | 5,036 |
| Pretax return on assets | 0.4765% | 5,010 |
| Return on Equity (ROE) | 3.4318% | 4,984 |
| Retained earnings to average equity (ytd only) | 3.4318% | 3,727 |
| Net charge-offs to loans | -0.0190% | 4,714 |
| Credit loss provision to net charge-offs | 1,350.0000% | 243 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0427% | 556 |
| Assets per employee ($millions) | 3.2220% | 5,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9820% | 4,382 |
| Loan loss allowance to noncurrent loans | 63.1606% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 1.2142% | 1,445 |
| Noncurrent loans to loans | 1.5548% | 1,264 |
| Net loans and leases to total assets | 66.6727% | 2,866 |
| Net loans and leases to deposits | 75.8920% | 3,213 |
| Net loans and leases to core deposits | 78.5515% | 3,431 |
| Total domestic deposits to total assets | 87.8521% | 1,801 |
| Equity capital to assets | 10.9585% | 2,675 |
| Core capital (leverage) ratio | 10.5738% | 2,819 |
| Tier 1 risk-based capital ratio | 21.1360% | 1,205 |
| Total risk-based capital ratio | 22.3890% | 1,182 |
| Memoranda: | ||
| Average total assets | $371,058,000 | 1,856 |
| Average earning assets | $342,697,500 | 1,856 |
| Average equity | $40,445,500 | 1,853 |
| Average total loans | $252,490,000 | 1,823 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2733% | 5,201 |
| Cost of funding earning assets | 0.6183% | 1,222 |
| Net interest margin | 2.6550% | 5,468 |
| Noninterest income to average assets | 0.6017% | 2,654 |
| Noninterest expense to average assets | 2.6461% | 3,537 |
| Loan and lease loss provision to assets | -0.1656% | 5,752 |
| Net operating income to assets | 0.5101% | 4,589 |
| Return on assets (ROA) | 0.5101% | 4,666 |
| Pretax return on assets | 0.5690% | 4,876 |
| Return on Equity (ROE) | 4.7875% | 4,520 |
| Retained earnings to average equity (ytd only) | 4.7875% | 2,484 |
| Net charge-offs to loans | -0.0243% | 5,176 |
| Credit loss provision to net charge-offs | 973.0159% | 395 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7724% | 763 |
| Assets per employee ($millions) | 3.2312% | 5,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0176% | 4,209 |
| Loan loss allowance to noncurrent loans | 73.2807% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 1.1550% | 1,592 |
| Noncurrent loans to loans | 1.3887% | 1,471 |
| Net loans and leases to total assets | 68.0563% | 2,757 |
| Net loans and leases to deposits | 77.4618% | 3,165 |
| Net loans and leases to core deposits | 80.2668% | 3,374 |
| Total domestic deposits to total assets | 87.8579% | 1,706 |
| Equity capital to assets | 10.8418% | 2,770 |
| Core capital (leverage) ratio | 10.5945% | 2,779 |
| Tier 1 risk-based capital ratio | 20.7143% | 1,258 |
| Total risk-based capital ratio | 21.9699% | 1,227 |
| Memoranda: | ||
| Average total assets | $370,124,400 | 1,810 |
| Average earning assets | $341,249,000 | 1,821 |
| Average equity | $39,436,200 | 1,866 |
| Average total loans | $259,145,600 | 1,739 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2948% | 5,220 |
| Cost of funding earning assets | 0.6231% | 1,186 |
| Net interest margin | 2.6718% | 5,521 |
| Noninterest income to average assets | 0.6029% | 2,646 |
| Noninterest expense to average assets | 2.6575% | 3,471 |
| Loan and lease loss provision to assets | -0.1987% | 5,868 |
| Net operating income to assets | 0.5658% | 4,430 |
| Return on assets (ROA) | 0.5658% | 4,535 |
| Pretax return on assets | 0.6072% | 4,857 |
| Return on Equity (ROE) | 5.3334% | 4,372 |
| Retained earnings to average equity (ytd only) | 5.3334% | 2,598 |
| Net charge-offs to loans | -0.0261% | 5,102 |
| Credit loss provision to net charge-offs | 1,080.3922% | 378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6753% | 767 |
| Assets per employee ($millions) | 3.1283% | 5,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0321% | 4,228 |
| Loan loss allowance to noncurrent loans | 77.2595% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 1.3120% | 1,458 |
| Noncurrent loans to loans | 1.3359% | 1,652 |
| Net loans and leases to total assets | 70.6317% | 2,404 |
| Net loans and leases to deposits | 80.8950% | 2,867 |
| Net loans and leases to core deposits | 83.5965% | 3,166 |
| Total domestic deposits to total assets | 87.3129% | 1,756 |
| Equity capital to assets | 11.1186% | 2,897 |
| Core capital (leverage) ratio | 10.4864% | 3,009 |
| Tier 1 risk-based capital ratio | 19.9867% | 1,452 |
| Total risk-based capital ratio | 21.2473% | 1,407 |
| Memoranda: | ||
| Average total assets | $369,757,750 | 1,814 |
| Average earning assets | $340,889,750 | 1,825 |
| Average equity | $39,223,500 | 1,882 |
| Average total loans | $260,059,250 | 1,734 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2714% | 5,339 |
| Cost of funding earning assets | 0.6257% | 1,159 |
| Net interest margin | 2.6457% | 5,622 |
| Noninterest income to average assets | 0.5489% | 2,906 |
| Noninterest expense to average assets | 2.6047% | 3,708 |
| Loan and lease loss provision to assets | -0.2605% | 5,965 |
| Net operating income to assets | 0.6025% | 4,253 |
| Return on assets (ROA) | 0.6025% | 4,382 |
| Pretax return on assets | 0.6460% | 4,770 |
| Return on Equity (ROE) | 5.7693% | 4,160 |
| Retained earnings to average equity (ytd only) | 5.7693% | 2,257 |
| Net charge-offs to loans | -0.0659% | 5,471 |
| Credit loss provision to net charge-offs | 565.1163% | 597 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1101% | 781 |
| Assets per employee ($millions) | 3.4800% | 4,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0667% | 4,128 |
| Loan loss allowance to noncurrent loans | 50.4495% | 4,795 |
| Noncurrent assets plus other real estate owned to assets | 1.7172% | 1,038 |
| Noncurrent loans to loans | 2.1144% | 919 |
| Net loans and leases to total assets | 68.4954% | 2,711 |
| Net loans and leases to deposits | 78.6565% | 3,091 |
| Net loans and leases to core deposits | 81.2717% | 3,337 |
| Total domestic deposits to total assets | 87.0816% | 1,877 |
| Equity capital to assets | 10.6238% | 3,506 |
| Core capital (leverage) ratio | 10.0631% | 3,494 |
| Tier 1 risk-based capital ratio | 19.6457% | 1,531 |
| Total risk-based capital ratio | 20.9082% | 1,491 |
| Memoranda: | ||
| Average total assets | $373,090,670 | 1,797 |
| Average earning assets | $344,260,670 | 1,807 |
| Average equity | $38,964,670 | 1,897 |
| Average total loans | $261,161,000 | 1,721 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2790% | 5,357 |
| Cost of funding earning assets | 0.6224% | 1,203 |
| Net interest margin | 2.6566% | 5,657 |
| Noninterest income to average assets | 0.4991% | 3,118 |
| Noninterest expense to average assets | 2.6423% | 3,598 |
| Loan and lease loss provision to assets | -0.2549% | 6,039 |
| Net operating income to assets | 0.5259% | 4,521 |
| Return on assets (ROA) | 0.5259% | 4,630 |
| Pretax return on assets | 0.5623% | 4,917 |
| Return on Equity (ROE) | 5.0792% | 4,449 |
| Retained earnings to average equity (ytd only) | 5.0792% | 2,889 |
| Net charge-offs to loans | -0.0578% | 5,396 |
| Credit loss provision to net charge-offs | 626.3158% | 509 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5788% | 702 |
| Assets per employee ($millions) | 3.4769% | 4,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1157% | 3,964 |
| Loan loss allowance to noncurrent loans | 42.9528% | 5,004 |
| Noncurrent assets plus other real estate owned to assets | 2.0484% | 838 |
| Noncurrent loans to loans | 2.5975% | 700 |
| Net loans and leases to total assets | 69.6279% | 2,405 |
| Net loans and leases to deposits | 79.9324% | 2,794 |
| Net loans and leases to core deposits | 82.3195% | 3,103 |
| Total domestic deposits to total assets | 87.1084% | 2,151 |
| Equity capital to assets | 10.3646% | 3,666 |
| Core capital (leverage) ratio | 9.9766% | 3,560 |
| Tier 1 risk-based capital ratio | 19.0972% | 1,710 |
| Total risk-based capital ratio | 20.3593% | 1,670 |
| Memoranda: | ||
| Average total assets | $373,455,500 | 1,800 |
| Average earning assets | $344,499,000 | 1,808 |
| Average equity | $38,667,500 | 1,907 |
| Average total loans | $262,841,500 | 1,707 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3403% | 5,274 |
| Cost of funding earning assets | 0.6174% | 1,257 |
| Net interest margin | 2.7229% | 5,625 |
| Noninterest income to average assets | 0.5465% | 3,030 |
| Noninterest expense to average assets | 2.7230% | 3,507 |
| Loan and lease loss provision to assets | -0.0962% | 5,848 |
| Net operating income to assets | 0.3859% | 5,094 |
| Return on assets (ROA) | 0.3859% | 5,177 |
| Pretax return on assets | 0.4173% | 5,285 |
| Return on Equity (ROE) | 3.8338% | 5,017 |
| Retained earnings to average equity (ytd only) | 3.8338% | 3,309 |
| Net charge-offs to loans | -0.0034% | 4,927 |
| Credit loss provision to net charge-offs | 3,988.8889% | 93 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4524% | 722 |
| Assets per employee ($millions) | 3.2296% | 5,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2056% | 3,448 |
| Loan loss allowance to noncurrent loans | 68.2261% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 1.4760% | 1,382 |
| Noncurrent loans to loans | 1.7671% | 1,259 |
| Net loans and leases to total assets | 69.4999% | 2,450 |
| Net loans and leases to deposits | 79.5996% | 2,870 |
| Net loans and leases to core deposits | 81.9899% | 3,149 |
| Total domestic deposits to total assets | 87.3119% | 1,978 |
| Equity capital to assets | 10.3432% | 3,574 |
| Core capital (leverage) ratio | 9.9170% | 3,621 |
| Tier 1 risk-based capital ratio | 19.0647% | 1,695 |
| Total risk-based capital ratio | 20.3282% | 1,642 |
| Memoranda: | ||
| Average total assets | $373,113,000 | 1,759 |
| Average earning assets | $342,244,800 | 1,772 |
| Average equity | $37,560,800 | 1,902 |
| Average total loans | $266,731,400 | 1,636 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3486% | 5,322 |
| Cost of funding earning assets | 0.6160% | 1,306 |
| Net interest margin | 2.7326% | 5,688 |
| Noninterest income to average assets | 0.5479% | 3,065 |
| Noninterest expense to average assets | 2.7595% | 3,346 |
| Loan and lease loss provision to assets | -0.0443% | 5,903 |
| Net operating income to assets | 0.3184% | 5,406 |
| Return on assets (ROA) | 0.3184% | 5,487 |
| Pretax return on assets | 0.3362% | 5,582 |
| Return on Equity (ROE) | 3.1844% | 5,324 |
| Retained earnings to average equity (ytd only) | 3.1844% | 4,196 |
| Net charge-offs to loans | 0.0378% | 3,141 |
| Credit loss provision to net charge-offs | -163.1579% | 5,128 |
| Earnings coverage of net charge-offs (x) | 10.7632% | 2,568 |
| Efficiency ratio | 90.4316% | 671 |
| Assets per employee ($millions) | 3.3073% | 5,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2481% | 3,384 |
| Loan loss allowance to noncurrent loans | 86.1619% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 1.4033% | 1,640 |
| Noncurrent loans to loans | 1.4485% | 1,729 |
| Net loans and leases to total assets | 71.7720% | 2,096 |
| Net loans and leases to deposits | 82.5621% | 2,578 |
| Net loans and leases to core deposits | 85.1009% | 2,944 |
| Total domestic deposits to total assets | 86.9309% | 2,081 |
| Equity capital to assets | 10.4118% | 3,696 |
| Core capital (leverage) ratio | 9.7330% | 3,994 |
| Tier 1 risk-based capital ratio | 18.4795% | 1,906 |
| Total risk-based capital ratio | 19.7461% | 1,862 |
| Memoranda: | ||
| Average total assets | $373,540,750 | 1,772 |
| Average earning assets | $342,224,750 | 1,786 |
| Average equity | $37,347,250 | 1,926 |
| Average total loans | $268,095,750 | 1,640 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3502% | 5,337 |
| Cost of funding earning assets | 0.6064% | 1,368 |
| Net interest margin | 2.7438% | 5,717 |
| Noninterest income to average assets | 0.4714% | 3,552 |
| Noninterest expense to average assets | 2.7692% | 3,352 |
| Loan and lease loss provision to assets | -0.0308% | 5,995 |
| Net operating income to assets | 0.2346% | 5,619 |
| Return on assets (ROA) | 0.2346% | 5,691 |
| Pretax return on assets | 0.2452% | 5,745 |
| Return on Equity (ROE) | 2.3782% | 5,600 |
| Retained earnings to average equity (ytd only) | 2.3782% | 4,545 |
| Net charge-offs to loans | 0.0312% | 3,034 |
| Credit loss provision to net charge-offs | -138.0952% | 4,951 |
| Earnings coverage of net charge-offs (x) | 9.6190% | 2,437 |
| Efficiency ratio | 92.8127% | 591 |
| Assets per employee ($millions) | 3.1727% | 5,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2708% | 3,392 |
| Loan loss allowance to noncurrent loans | 88.3117% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 1.8068% | 1,272 |
| Noncurrent loans to loans | 1.4390% | 1,853 |
| Net loans and leases to total assets | 71.1617% | 2,136 |
| Net loans and leases to deposits | 81.2441% | 2,637 |
| Net loans and leases to core deposits | 83.7342% | 3,004 |
| Total domestic deposits to total assets | 87.5900% | 1,849 |
| Equity capital to assets | 10.0803% | 3,947 |
| Core capital (leverage) ratio | 9.4073% | 4,407 |
| Tier 1 risk-based capital ratio | 17.6008% | 2,186 |
| Total risk-based capital ratio | 18.8648% | 2,131 |
| Memoranda: | ||
| Average total assets | $376,788,330 | 1,766 |
| Average earning assets | $344,991,330 | 1,774 |
| Average equity | $37,170,330 | 1,943 |
| Average total loans | $269,326,000 | 1,632 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3308% | 5,370 |
| Cost of funding earning assets | 0.5933% | 1,481 |
| Net interest margin | 2.7375% | 5,756 |
| Noninterest income to average assets | 0.4321% | 3,753 |
| Noninterest expense to average assets | 2.7810% | 3,312 |
| Loan and lease loss provision to assets | 0.0200% | 3,455 |
| Net operating income to assets | 0.1402% | 5,810 |
| Return on assets (ROA) | 0.1402% | 5,880 |
| Pretax return on assets | 0.1402% | 5,910 |
| Return on Equity (ROE) | 1.4360% | 5,823 |
| Retained earnings to average equity (ytd only) | 1.4360% | 4,911 |
| Net charge-offs to loans | 0.0873% | 1,845 |
| Credit loss provision to net charge-offs | 32.2034% | 2,256 |
| Earnings coverage of net charge-offs (x) | 2.5763% | 2,735 |
| Efficiency ratio | 94.5539% | 568 |
| Assets per employee ($millions) | 3.4091% | 5,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2814% | 3,513 |
| Loan loss allowance to noncurrent loans | 95.5010% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 1.7231% | 1,447 |
| Noncurrent loans to loans | 1.3418% | 2,143 |
| Net loans and leases to total assets | 69.8120% | 2,165 |
| Net loans and leases to deposits | 79.5174% | 2,617 |
| Net loans and leases to core deposits | 81.8724% | 2,975 |
| Total domestic deposits to total assets | 87.7946% | 1,936 |
| Equity capital to assets | 9.7228% | 4,477 |
| Core capital (leverage) ratio | 9.2384% | 4,663 |
| Tier 1 risk-based capital ratio | 17.1138% | 2,439 |
| Total risk-based capital ratio | 18.3809% | 2,387 |
| Memoranda: | ||
| Average total assets | $379,582,000 | 1,755 |
| Average earning assets | $347,904,500 | 1,768 |
| Average equity | $37,046,500 | 1,966 |
| Average total loans | $270,212,500 | 1,624 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4908% | 5,336 |
| Cost of funding earning assets | 0.6191% | 1,611 |
| Net interest margin | 2.8716% | 5,693 |
| Noninterest income to average assets | 0.4275% | 3,989 |
| Noninterest expense to average assets | 2.6954% | 3,874 |
| Loan and lease loss provision to assets | -0.1103% | 6,165 |
| Net operating income to assets | 0.4377% | 5,080 |
| Return on assets (ROA) | 0.4377% | 5,169 |
| Pretax return on assets | 0.4711% | 5,321 |
| Return on Equity (ROE) | 4.6156% | 4,838 |
| Retained earnings to average equity (ytd only) | 4.6156% | 2,896 |
| Net charge-offs to loans | 0.1186% | 2,855 |
| Credit loss provision to net charge-offs | -127.2727% | 5,560 |
| Earnings coverage of net charge-offs (x) | 4.1606% | 3,723 |
| Efficiency ratio | 88.1964% | 977 |
| Assets per employee ($millions) | 3.3394% | 5,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2943% | 3,455 |
| Loan loss allowance to noncurrent loans | 109.1022% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 1.4899% | 1,839 |
| Noncurrent loans to loans | 1.1863% | 2,464 |
| Net loans and leases to total assets | 70.7335% | 2,121 |
| Net loans and leases to deposits | 80.5838% | 2,658 |
| Net loans and leases to core deposits | 82.9283% | 3,002 |
| Total domestic deposits to total assets | 87.7763% | 1,880 |
| Equity capital to assets | 9.7973% | 4,358 |
| Core capital (leverage) ratio | 9.5242% | 4,210 |
| Tier 1 risk-based capital ratio | 17.8531% | 2,187 |
| Total risk-based capital ratio | 19.1092% | 2,149 |
| Memoranda: | ||
| Average total assets | $380,611,400 | 1,725 |
| Average earning assets | $348,406,400 | 1,717 |
| Average equity | $36,094,600 | 1,948 |
| Average total loans | $278,154,600 | 1,528 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4943% | 5,403 |
| Cost of funding earning assets | 0.6269% | 1,623 |
| Net interest margin | 2.8674% | 5,767 |
| Noninterest income to average assets | 0.4149% | 4,137 |
| Noninterest expense to average assets | 2.6989% | 3,828 |
| Loan and lease loss provision to assets | -0.1066% | 6,284 |
| Net operating income to assets | 0.4149% | 5,192 |
| Return on assets (ROA) | 0.4149% | 5,267 |
| Pretax return on assets | 0.4464% | 5,479 |
| Return on Equity (ROE) | 4.4114% | 5,004 |
| Retained earnings to average equity (ytd only) | 4.4114% | 3,513 |
| Net charge-offs to loans | 0.0214% | 4,091 |
| Credit loss provision to net charge-offs | -677.7778% | 5,812 |
| Earnings coverage of net charge-offs (x) | 21.5995% | 1,666 |
| Efficiency ratio | 88.8186% | 935 |
| Assets per employee ($millions) | 3.1702% | 5,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4149% | 3,100 |
| Loan loss allowance to noncurrent loans | 106.2092% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 1.6432% | 1,842 |
| Noncurrent loans to loans | 1.3321% | 2,416 |
| Net loans and leases to total assets | 72.6439% | 1,736 |
| Net loans and leases to deposits | 82.7898% | 2,322 |
| Net loans and leases to core deposits | 85.3575% | 2,739 |
| Total domestic deposits to total assets | 87.7451% | 1,902 |
| Equity capital to assets | 9.7549% | 4,479 |
| Core capital (leverage) ratio | 9.4783% | 4,410 |
| Tier 1 risk-based capital ratio | 17.2329% | 2,506 |
| Total risk-based capital ratio | 18.4907% | 2,465 |
| Memoranda: | ||
| Average total assets | $381,426,750 | 1,732 |
| Average earning assets | $349,021,000 | 1,723 |
| Average equity | $35,875,750 | 1,967 |
| Average total loans | $280,090,000 | 1,529 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4723% | 5,468 |
| Cost of funding earning assets | 0.6244% | 1,691 |
| Net interest margin | 2.8479% | 5,822 |
| Noninterest income to average assets | 0.4074% | 4,192 |
| Noninterest expense to average assets | 2.6764% | 3,953 |
| Loan and lease loss provision to assets | -0.0516% | 6,296 |
| Net operating income to assets | 0.3668% | 5,343 |
| Return on assets (ROA) | 0.3668% | 5,412 |
| Pretax return on assets | 0.3892% | 5,596 |
| Return on Equity (ROE) | 3.9472% | 5,169 |
| Retained earnings to average equity (ytd only) | 3.9472% | 3,669 |
| Net charge-offs to loans | 0.0717% | 2,989 |
| Credit loss provision to net charge-offs | -98.0198% | 5,248 |
| Earnings coverage of net charge-offs (x) | 6.4158% | 2,775 |
| Efficiency ratio | 88.7986% | 1,014 |
| Assets per employee ($millions) | 3.3650% | 5,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4533% | 3,097 |
| Loan loss allowance to noncurrent loans | 73.1311% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 1.9311% | 1,671 |
| Noncurrent loans to loans | 1.9872% | 1,695 |
| Net loans and leases to total assets | 71.5920% | 1,814 |
| Net loans and leases to deposits | 81.1412% | 2,367 |
| Net loans and leases to core deposits | 83.5718% | 2,785 |
| Total domestic deposits to total assets | 88.2314% | 1,768 |
| Equity capital to assets | 9.3867% | 4,857 |
| Core capital (leverage) ratio | 9.1145% | 4,858 |
| Tier 1 risk-based capital ratio | 16.5816% | 2,789 |
| Total risk-based capital ratio | 17.8398% | 2,755 |
| Memoranda: | ||
| Average total assets | $383,876,330 | 1,718 |
| Average earning assets | $351,352,330 | 1,713 |
| Average equity | $35,670,670 | 1,959 |
| Average total loans | $281,571,670 | 1,515 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5130% | 5,389 |
| Cost of funding earning assets | 0.6153% | 1,853 |
| Net interest margin | 2.8977% | 5,756 |
| Noninterest income to average assets | 0.3198% | 4,815 |
| Noninterest expense to average assets | 2.6853% | 3,983 |
| Loan and lease loss provision to assets | -0.1531% | 6,535 |
| Net operating income to assets | 0.4177% | 5,051 |
| Return on assets (ROA) | 0.4177% | 5,120 |
| Pretax return on assets | 0.4364% | 5,344 |
| Return on Equity (ROE) | 4.5181% | 4,777 |
| Retained earnings to average equity (ytd only) | 4.5181% | 3,406 |
| Net charge-offs to loans | 0.0749% | 2,398 |
| Credit loss provision to net charge-offs | -277.3585% | 5,021 |
| Earnings coverage of net charge-offs (x) | 5.1321% | 2,420 |
| Efficiency ratio | 90.4561% | 990 |
| Assets per employee ($millions) | 3.4982% | 4,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4380% | 3,430 |
| Loan loss allowance to noncurrent loans | 99.0462% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 1.7476% | 2,015 |
| Noncurrent loans to loans | 1.4518% | 2,612 |
| Net loans and leases to total assets | 71.4913% | 1,651 |
| Net loans and leases to deposits | 80.7588% | 2,195 |
| Net loans and leases to core deposits | 82.7986% | 2,657 |
| Total domestic deposits to total assets | 88.5245% | 1,922 |
| Equity capital to assets | 9.1950% | 4,878 |
| Core capital (leverage) ratio | 8.9239% | 5,108 |
| Tier 1 risk-based capital ratio | 16.4341% | 2,930 |
| Total risk-based capital ratio | 17.6922% | 2,897 |
| Memoranda: | ||
| Average total assets | $384,011,000 | 1,725 |
| Average earning assets | $351,035,500 | 1,718 |
| Average equity | $35,502,000 | 1,963 |
| Average total loans | $283,016,500 | 1,515 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7363% | 5,015 |
| Cost of funding earning assets | 0.6512% | 2,191 |
| Net interest margin | 3.0851% | 5,360 |
| Noninterest income to average assets | 0.6951% | 2,571 |
| Noninterest expense to average assets | 2.6976% | 4,104 |
| Loan and lease loss provision to assets | -0.0286% | 6,324 |
| Net operating income to assets | 0.8136% | 3,225 |
| Return on assets (ROA) | 0.8136% | 3,319 |
| Pretax return on assets | 0.8398% | 3,996 |
| Return on Equity (ROE) | 9.1949% | 2,454 |
| Retained earnings to average equity (ytd only) | 9.1949% | 734 |
| Net charge-offs to loans | 0.3561% | 1,897 |
| Credit loss provision to net charge-offs | -10.4707% | 5,687 |
| Earnings coverage of net charge-offs (x) | 2.9731% | 4,002 |
| Efficiency ratio | 76.8806% | 2,639 |
| Assets per employee ($millions) | 3.2180% | 5,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4945% | 3,221 |
| Loan loss allowance to noncurrent loans | 83.7934% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 2.0768% | 1,722 |
| Noncurrent loans to loans | 1.7835% | 2,251 |
| Net loans and leases to total assets | 73.7729% | 1,385 |
| Net loans and leases to deposits | 83.4453% | 2,005 |
| Net loans and leases to core deposits | 85.5756% | 2,497 |
| Total domestic deposits to total assets | 88.4087% | 1,946 |
| Equity capital to assets | 9.2962% | 4,697 |
| Core capital (leverage) ratio | 9.1614% | 4,767 |
| Tier 1 risk-based capital ratio | 16.4247% | 2,892 |
| Total risk-based capital ratio | 17.6838% | 2,849 |
| Memoranda: | ||
| Average total assets | $381,525,400 | 1,718 |
| Average earning assets | $347,962,000 | 1,721 |
| Average equity | $33,758,000 | 2,037 |
| Average total loans | $292,374,400 | 1,451 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7817% | 4,925 |
| Cost of funding earning assets | 0.6598% | 2,267 |
| Net interest margin | 3.1219% | 5,259 |
| Noninterest income to average assets | 0.7840% | 2,231 |
| Noninterest expense to average assets | 2.6877% | 4,066 |
| Loan and lease loss provision to assets | 0.0883% | 3,294 |
| Net operating income to assets | 0.7826% | 3,442 |
| Return on assets (ROA) | 0.7826% | 3,568 |
| Pretax return on assets | 0.8538% | 4,081 |
| Return on Equity (ROE) | 8.9573% | 2,656 |
| Retained earnings to average equity (ytd only) | 8.9573% | 1,068 |
| Net charge-offs to loans | 0.4498% | 1,427 |
| Credit loss provision to net charge-offs | 25.4783% | 3,974 |
| Earnings coverage of net charge-offs (x) | 2.7180% | 3,930 |
| Efficiency ratio | 74.0456% | 3,063 |
| Assets per employee ($millions) | 3.2422% | 5,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6157% | 2,936 |
| Loan loss allowance to noncurrent loans | 104.4375% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 1.8892% | 2,149 |
| Noncurrent loans to loans | 1.5470% | 2,848 |
| Net loans and leases to total assets | 76.1065% | 990 |
| Net loans and leases to deposits | 86.3268% | 1,578 |
| Net loans and leases to core deposits | 88.3650% | 2,148 |
| Total domestic deposits to total assets | 88.1609% | 2,022 |
| Equity capital to assets | 9.2375% | 4,887 |
| Core capital (leverage) ratio | 9.0963% | 4,974 |
| Tier 1 risk-based capital ratio | 16.3832% | 2,996 |
| Total risk-based capital ratio | 17.6455% | 2,953 |
| Memoranda: | ||
| Average total assets | $381,975,250 | 1,727 |
| Average earning assets | $348,195,500 | 1,735 |
| Average equity | $33,372,500 | 2,087 |
| Average total loans | $294,371,750 | 1,434 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7983% | 4,840 |
| Cost of funding earning assets | 0.6656% | 2,352 |
| Net interest margin | 3.1327% | 5,181 |
| Noninterest income to average assets | 0.8872% | 1,862 |
| Noninterest expense to average assets | 2.6809% | 4,104 |
| Loan and lease loss provision to assets | 0.1854% | 2,035 |
| Net operating income to assets | 0.8031% | 3,282 |
| Return on assets (ROA) | 0.8031% | 3,432 |
| Pretax return on assets | 0.8763% | 4,004 |
| Return on Equity (ROE) | 9.3652% | 2,469 |
| Retained earnings to average equity (ytd only) | 9.3652% | 1,004 |
| Net charge-offs to loans | 0.3590% | 1,764 |
| Credit loss provision to net charge-offs | 67.1053% | 2,889 |
| Earnings coverage of net charge-offs (x) | 3.8421% | 3,283 |
| Efficiency ratio | 71.6308% | 3,530 |
| Assets per employee ($millions) | 3.3022% | 5,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7734% | 2,518 |
| Loan loss allowance to noncurrent loans | 96.0125% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 2.0316% | 2,123 |
| Noncurrent loans to loans | 1.8470% | 2,567 |
| Net loans and leases to total assets | 76.2101% | 964 |
| Net loans and leases to deposits | 86.1590% | 1,559 |
| Net loans and leases to core deposits | 87.5585% | 2,164 |
| Total domestic deposits to total assets | 88.4529% | 1,948 |
| Equity capital to assets | 8.8864% | 5,342 |
| Core capital (leverage) ratio | 8.7484% | 5,360 |
| Tier 1 risk-based capital ratio | 15.7797% | 3,324 |
| Total risk-based capital ratio | 17.0450% | 3,271 |
| Memoranda: | ||
| Average total assets | $385,017,000 | 1,717 |
| Average earning assets | $350,947,670 | 1,721 |
| Average equity | $33,016,000 | 2,109 |
| Average total loans | $296,354,670 | 1,424 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8304% | 4,720 |
| Cost of funding earning assets | 0.6715% | 2,471 |
| Net interest margin | 3.1589% | 5,062 |
| Noninterest income to average assets | 0.8379% | 1,970 |
| Noninterest expense to average assets | 2.6993% | 4,063 |
| Loan and lease loss provision to assets | -0.0010% | 6,712 |
| Net operating income to assets | 0.9307% | 2,518 |
| Return on assets (ROA) | 0.9307% | 2,657 |
| Pretax return on assets | 1.0133% | 3,288 |
| Return on Equity (ROE) | 11.0502% | 1,688 |
| Retained earnings to average equity (ytd only) | 11.0502% | 858 |
| Net charge-offs to loans | 0.2342% | 2,033 |
| Credit loss provision to net charge-offs | -0.5747% | 4,937 |
| Earnings coverage of net charge-offs (x) | 5.6379% | 2,342 |
| Efficiency ratio | 72.7273% | 3,478 |
| Assets per employee ($millions) | 3.4274% | 5,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7534% | 2,791 |
| Loan loss allowance to noncurrent loans | 98.1405% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 2.2512% | 2,076 |
| Noncurrent loans to loans | 1.7866% | 2,883 |
| Net loans and leases to total assets | 74.9299% | 969 |
| Net loans and leases to deposits | 84.0922% | 1,584 |
| Net loans and leases to core deposits | 85.3633% | 2,173 |
| Total domestic deposits to total assets | 89.1045% | 1,624 |
| Equity capital to assets | 8.4719% | 6,046 |
| Core capital (leverage) ratio | 8.3421% | 5,771 |
| Tier 1 risk-based capital ratio | 15.1254% | 3,754 |
| Total risk-based capital ratio | 16.3899% | 3,699 |
| Memoranda: | ||
| Average total assets | $387,650,500 | 1,727 |
| Average earning assets | $352,649,000 | 1,727 |
| Average equity | $32,651,000 | 2,142 |
| Average total loans | $297,215,500 | 1,423 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9989% | 5,308 |
| Cost of funding earning assets | 0.7805% | 2,827 |
| Net interest margin | 3.2185% | 5,523 |
| Noninterest income to average assets | 0.2031% | 5,964 |
| Noninterest expense to average assets | 2.5477% | 4,937 |
| Loan and lease loss provision to assets | 0.6338% | 851 |
| Net operating income to assets | -0.3805% | 6,506 |
| Return on assets (ROA) | -0.3805% | 6,547 |
| Pretax return on assets | -0.0759% | 6,349 |
| Return on Equity (ROE) | -4.5418% | 6,577 |
| Retained earnings to average equity (ytd only) | -4.5418% | 6,397 |
| Net charge-offs to loans | 0.8751% | 1,308 |
| Credit loss provision to net charge-offs | 96.1494% | 3,225 |
| Earnings coverage of net charge-offs (x) | 0.8464% | 5,052 |
| Efficiency ratio | 82.0351% | 1,862 |
| Assets per employee ($millions) | 3.2048% | 5,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8217% | 2,523 |
| Loan loss allowance to noncurrent loans | 103.1125% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 2.4934% | 1,961 |
| Noncurrent loans to loans | 1.7667% | 2,966 |
| Net loans and leases to total assets | 75.6771% | 966 |
| Net loans and leases to deposits | 84.7786% | 1,665 |
| Net loans and leases to core deposits | 86.0746% | 2,307 |
| Total domestic deposits to total assets | 89.2644% | 1,398 |
| Equity capital to assets | 8.3729% | 6,140 |
| Core capital (leverage) ratio | 8.2431% | 5,948 |
| Tier 1 risk-based capital ratio | 14.6316% | 3,944 |
| Total risk-based capital ratio | 15.8972% | 3,897 |
| Memoranda: | ||
| Average total assets | $393,957,200 | 1,661 |
| Average earning assets | $355,294,200 | 1,677 |
| Average equity | $33,004,200 | 2,087 |
| Average total loans | $296,780,000 | 1,413 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0083% | 5,494 |
| Cost of funding earning assets | 0.7985% | 2,954 |
| Net interest margin | 3.2098% | 5,678 |
| Noninterest income to average assets | 0.0104% | 6,906 |
| Noninterest expense to average assets | 2.5878% | 4,780 |
| Loan and lease loss provision to assets | 0.7368% | 677 |
| Net operating income to assets | -0.4229% | 6,658 |
| Return on assets (ROA) | -0.4229% | 6,701 |
| Pretax return on assets | -0.4229% | 6,671 |
| Return on Equity (ROE) | -5.0473% | 6,716 |
| Retained earnings to average equity (ytd only) | -5.0473% | 6,617 |
| Net charge-offs to loans | 0.9836% | 1,079 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 0.4260% | 5,112 |
| Efficiency ratio | 89.1826% | 1,099 |
| Assets per employee ($millions) | 3.1858% | 5,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8607% | 2,612 |
| Loan loss allowance to noncurrent loans | 119.5912% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 2.7633% | 1,903 |
| Noncurrent loans to loans | 1.5559% | 3,449 |
| Net loans and leases to total assets | 75.8830% | 992 |
| Net loans and leases to deposits | 85.1637% | 1,705 |
| Net loans and leases to core deposits | 86.6007% | 2,389 |
| Total domestic deposits to total assets | 89.1025% | 1,370 |
| Equity capital to assets | 8.4862% | 6,270 |
| Core capital (leverage) ratio | 7.9703% | 6,353 |
| Tier 1 risk-based capital ratio | 13.7314% | 4,740 |
| Total risk-based capital ratio | 14.9967% | 4,677 |
| Memoranda: | ||
| Average total assets | $396,303,500 | 1,673 |
| Average earning assets | $356,981,000 | 1,692 |
| Average equity | $33,205,250 | 2,096 |
| Average total loans | $296,866,750 | 1,426 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9892% | 5,675 |
| Cost of funding earning assets | 0.8092% | 3,121 |
| Net interest margin | 3.1800% | 5,800 |
| Noninterest income to average assets | 0.1746% | 6,308 |
| Noninterest expense to average assets | 2.5603% | 4,921 |
| Loan and lease loss provision to assets | 0.7951% | 633 |
| Net operating income to assets | -0.3152% | 6,628 |
| Return on assets (ROA) | -0.3152% | 6,685 |
| Pretax return on assets | -0.3152% | 6,650 |
| Return on Equity (ROE) | -3.7777% | 6,714 |
| Retained earnings to average equity (ytd only) | -3.7777% | 6,535 |
| Net charge-offs to loans | 0.8705% | 1,267 |
| Credit loss provision to net charge-offs | 123.1839% | 2,225 |
| Earnings coverage of net charge-offs (x) | 0.7434% | 4,684 |
| Efficiency ratio | 84.2166% | 1,605 |
| Assets per employee ($millions) | 3.3626% | 5,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9736% | 2,302 |
| Loan loss allowance to noncurrent loans | 142.8220% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 2.7360% | 2,013 |
| Noncurrent loans to loans | 1.3819% | 3,851 |
| Net loans and leases to total assets | 72.6024% | 1,460 |
| Net loans and leases to deposits | 81.3258% | 2,189 |
| Net loans and leases to core deposits | 82.7817% | 2,858 |
| Total domestic deposits to total assets | 89.2736% | 1,347 |
| Equity capital to assets | 8.3337% | 6,349 |
| Core capital (leverage) ratio | 8.3337% | 5,866 |
| Tier 1 risk-based capital ratio | 15.2910% | 3,575 |
| Total risk-based capital ratio | 16.5585% | 3,528 |
| Memoranda: | ||
| Average total assets | $400,974,330 | 1,643 |
| Average earning assets | $361,325,000 | 1,674 |
| Average equity | $33,459,670 | 2,066 |
| Average total loans | $297,291,000 | 1,431 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9970% | 5,762 |
| Cost of funding earning assets | 0.8322% | 3,206 |
| Net interest margin | 3.1648% | 5,863 |
| Noninterest income to average assets | 0.2243% | 6,012 |
| Noninterest expense to average assets | 2.6070% | 4,793 |
| Loan and lease loss provision to assets | 0.5557% | 1,049 |
| Net operating income to assets | -0.0853% | 6,517 |
| Return on assets (ROA) | -0.0853% | 6,604 |
| Pretax return on assets | -0.0853% | 6,589 |
| Return on Equity (ROE) | -1.0221% | 6,626 |
| Retained earnings to average equity (ytd only) | -1.0221% | 6,154 |
| Net charge-offs to loans | 0.7492% | 1,362 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 0.8464% | 3,902 |
| Efficiency ratio | 84.7146% | 1,609 |
| Assets per employee ($millions) | 3.2906% | 5,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8218% | 2,922 |
| Loan loss allowance to noncurrent loans | 79.6409% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 3.0941% | 1,879 |
| Noncurrent loans to loans | 2.2875% | 2,814 |
| Net loans and leases to total assets | 72.6394% | 1,288 |
| Net loans and leases to deposits | 81.2642% | 2,027 |
| Net loans and leases to core deposits | 82.6544% | 2,740 |
| Total domestic deposits to total assets | 89.3868% | 1,430 |
| Equity capital to assets | 8.2377% | 6,327 |
| Core capital (leverage) ratio | 8.2377% | 5,969 |
| Tier 1 risk-based capital ratio | 15.1074% | 3,685 |
| Total risk-based capital ratio | 16.3726% | 3,635 |
| Memoranda: | ||
| Average total assets | $403,068,000 | 1,642 |
| Average earning assets | $363,370,000 | 1,670 |
| Average equity | $33,656,000 | 2,058 |
| Average total loans | $298,998,000 | 1,418 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0415% | 6,380 |
| Cost of funding earning assets | 0.9985% | 3,394 |
| Net interest margin | 3.0430% | 6,460 |
| Noninterest income to average assets | 0.3425% | 5,080 |
| Noninterest expense to average assets | 2.7973% | 4,356 |
| Loan and lease loss provision to assets | 1.8169% | 360 |
| Net operating income to assets | -1.0450% | 6,759 |
| Return on assets (ROA) | -1.0450% | 6,779 |
| Pretax return on assets | -1.5127% | 6,899 |
| Return on Equity (ROE) | -11.4872% | 6,778 |
| Retained earnings to average equity (ytd only) | -11.4872% | 6,747 |
| Net charge-offs to loans | 2.0692% | 653 |
| Credit loss provision to net charge-offs | 116.6455% | 2,773 |
| Earnings coverage of net charge-offs (x) | 0.1953% | 5,687 |
| Efficiency ratio | 90.1911% | 1,173 |
| Assets per employee ($millions) | 3.1346% | 5,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8575% | 2,686 |
| Loan loss allowance to noncurrent loans | 69.8147% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 3.6182% | 1,627 |
| Noncurrent loans to loans | 2.6606% | 2,445 |
| Net loans and leases to total assets | 72.9970% | 1,453 |
| Net loans and leases to deposits | 81.8245% | 2,222 |
| Net loans and leases to core deposits | 84.0080% | 2,891 |
| Total domestic deposits to total assets | 89.2116% | 1,415 |
| Equity capital to assets | 8.4650% | 6,188 |
| Core capital (leverage) ratio | 8.4650% | 5,619 |
| Tier 1 risk-based capital ratio | 15.7384% | 3,197 |
| Total risk-based capital ratio | 17.0045% | 3,150 |
| Memoranda: | ||
| Average total assets | $404,967,600 | 1,604 |
| Average earning assets | $367,165,400 | 1,608 |
| Average equity | $36,841,000 | 1,828 |
| Average total loans | $304,851,600 | 1,393 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0389% | 6,527 |
| Cost of funding earning assets | 1.0279% | 3,483 |
| Net interest margin | 3.0109% | 6,565 |
| Noninterest income to average assets | 0.3731% | 4,885 |
| Noninterest expense to average assets | 2.8952% | 3,954 |
| Loan and lease loss provision to assets | 0.9271% | 952 |
| Net operating income to assets | -0.3708% | 6,564 |
| Return on assets (ROA) | -0.3708% | 6,612 |
| Pretax return on assets | -0.7144% | 6,741 |
| Return on Equity (ROE) | -4.0077% | 6,631 |
| Retained earnings to average equity (ytd only) | -4.0077% | 6,517 |
| Net charge-offs to loans | 0.8372% | 1,902 |
| Credit loss provision to net charge-offs | 146.6805% | 2,146 |
| Earnings coverage of net charge-offs (x) | 0.3366% | 5,358 |
| Efficiency ratio | 93.1540% | 960 |
| Assets per employee ($millions) | 3.2392% | 5,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7902% | 2,978 |
| Loan loss allowance to noncurrent loans | 39.7297% | 5,642 |
| Noncurrent assets plus other real estate owned to assets | 4.3170% | 1,401 |
| Noncurrent loans to loans | 4.5060% | 1,433 |
| Net loans and leases to total assets | 74.2673% | 1,289 |
| Net loans and leases to deposits | 84.1109% | 1,982 |
| Net loans and leases to core deposits | 86.2403% | 2,743 |
| Total domestic deposits to total assets | 88.2969% | 1,876 |
| Equity capital to assets | 9.3121% | 5,363 |
| Core capital (leverage) ratio | 9.3121% | 4,432 |
| Tier 1 risk-based capital ratio | 17.1891% | 2,571 |
| Total risk-based capital ratio | 18.4545% | 2,525 |
| Memoranda: | ||
| Average total assets | $406,685,500 | 1,600 |
| Average earning assets | $369,401,500 | 1,615 |
| Average equity | $37,626,500 | 1,794 |
| Average total loans | $307,040,000 | 1,397 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0488% | 6,577 |
| Cost of funding earning assets | 1.0609% | 3,535 |
| Net interest margin | 2.9879% | 6,629 |
| Noninterest income to average assets | 0.6046% | 3,104 |
| Noninterest expense to average assets | 2.6147% | 5,135 |
| Loan and lease loss provision to assets | 0.8501% | 1,061 |
| Net operating income to assets | -0.0005% | 6,227 |
| Return on assets (ROA) | -0.0005% | 6,304 |
| Pretax return on assets | -0.1462% | 6,410 |
| Return on Equity (ROE) | -0.0053% | 6,305 |
| Retained earnings to average equity (ytd only) | -0.0053% | 5,838 |
| Net charge-offs to loans | 0.5133% | 2,560 |
| Credit loss provision to net charge-offs | 219.4969% | 1,361 |
| Earnings coverage of net charge-offs (x) | 1.8176% | 3,955 |
| Efficiency ratio | 78.7874% | 2,590 |
| Assets per employee ($millions) | 3.3397% | 5,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7752% | 3,076 |
| Loan loss allowance to noncurrent loans | 41.2466% | 5,560 |
| Noncurrent assets plus other real estate owned to assets | 4.4803% | 1,404 |
| Noncurrent loans to loans | 4.3039% | 1,568 |
| Net loans and leases to total assets | 73.9400% | 1,430 |
| Net loans and leases to deposits | 83.9227% | 2,119 |
| Net loans and leases to core deposits | 85.8923% | 2,924 |
| Total domestic deposits to total assets | 88.1049% | 2,077 |
| Equity capital to assets | 9.3863% | 5,003 |
| Core capital (leverage) ratio | 9.3863% | 4,133 |
| Tier 1 risk-based capital ratio | 16.9016% | 2,563 |
| Total risk-based capital ratio | 18.1657% | 2,526 |
| Memoranda: | ||
| Average total assets | $410,518,670 | 1,601 |
| Average earning assets | $372,901,670 | 1,616 |
| Average equity | $37,902,000 | 1,768 |
| Average total loans | $309,772,000 | 1,396 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9287% | 6,790 |
| Cost of funding earning assets | 1.1210% | 3,367 |
| Net interest margin | 2.8078% | 6,892 |
| Noninterest income to average assets | 0.7657% | 2,188 |
| Noninterest expense to average assets | 2.6636% | 4,986 |
| Loan and lease loss provision to assets | 1.0393% | 724 |
| Net operating income to assets | -0.0831% | 6,443 |
| Return on assets (ROA) | -0.0831% | 6,460 |
| Pretax return on assets | -0.3848% | 6,675 |
| Return on Equity (ROE) | -0.9079% | 6,473 |
| Retained earnings to average equity (ytd only) | -0.9079% | 5,965 |
| Net charge-offs to loans | 0.8958% | 1,474 |
| Credit loss provision to net charge-offs | 153.5714% | 1,868 |
| Earnings coverage of net charge-offs (x) | 0.9671% | 3,927 |
| Efficiency ratio | 80.2739% | 2,479 |
| Assets per employee ($millions) | 3.4572% | 5,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5756% | 3,844 |
| Loan loss allowance to noncurrent loans | 39.9785% | 5,620 |
| Noncurrent assets plus other real estate owned to assets | 4.1423% | 1,596 |
| Noncurrent loans to loans | 3.9411% | 1,858 |
| Net loans and leases to total assets | 72.6538% | 1,579 |
| Net loans and leases to deposits | 82.1065% | 2,344 |
| Net loans and leases to core deposits | 83.7349% | 3,198 |
| Total domestic deposits to total assets | 88.4873% | 2,085 |
| Equity capital to assets | 9.1223% | 4,999 |
| Core capital (leverage) ratio | 9.1223% | 4,413 |
| Tier 1 risk-based capital ratio | 16.5956% | 2,623 |
| Total risk-based capital ratio | 17.8564% | 2,598 |
| Memoranda: | ||
| Average total assets | $413,728,500 | 1,602 |
| Average earning assets | $376,101,500 | 1,613 |
| Average equity | $37,888,000 | 1,757 |
| Average total loans | $312,562,500 | 1,394 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5527% | 6,243 |
| Cost of funding earning assets | 1.4718% | 2,815 |
| Net interest margin | 3.0809% | 6,570 |
| Noninterest income to average assets | 0.4356% | 4,631 |
| Noninterest expense to average assets | 2.6236% | 5,320 |
| Loan and lease loss provision to assets | 0.6918% | 2,379 |
| Net operating income to assets | 0.0086% | 5,816 |
| Return on assets (ROA) | 0.0086% | 5,948 |
| Pretax return on assets | -0.0782% | 5,982 |
| Return on Equity (ROE) | 0.0926% | 5,945 |
| Retained earnings to average equity (ytd only) | 0.0926% | 5,543 |
| Net charge-offs to loans | 0.3381% | 4,321 |
| Credit loss provision to net charge-offs | 250.4425% | 1,129 |
| Earnings coverage of net charge-offs (x) | 2.2212% | 4,057 |
| Efficiency ratio | 81.0466% | 2,284 |
| Assets per employee ($millions) | 3.1984% | 5,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3955% | 4,536 |
| Loan loss allowance to noncurrent loans | 36.0061% | 5,916 |
| Noncurrent assets plus other real estate owned to assets | 4.0131% | 1,695 |
| Noncurrent loans to loans | 3.8757% | 1,892 |
| Net loans and leases to total assets | 76.2096% | 1,236 |
| Net loans and leases to deposits | 86.8606% | 1,960 |
| Net loans and leases to core deposits | 88.5980% | 2,966 |
| Total domestic deposits to total assets | 87.7379% | 2,400 |
| Equity capital to assets | 9.1933% | 4,851 |
| Core capital (leverage) ratio | 9.1933% | 4,177 |
| Tier 1 risk-based capital ratio | 16.1566% | 2,670 |
| Total risk-based capital ratio | 17.4144% | 2,630 |
| Memoranda: | ||
| Average total assets | $409,101,000 | 1,614 |
| Average earning assets | $371,998,200 | 1,617 |
| Average equity | $37,812,200 | 1,741 |
| Average total loans | $334,235,400 | 1,335 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6029% | 6,326 |
| Cost of funding earning assets | 1.5386% | 2,729 |
| Net interest margin | 3.0643% | 6,699 |
| Noninterest income to average assets | 0.5157% | 4,061 |
| Noninterest expense to average assets | 2.6246% | 5,223 |
| Loan and lease loss provision to assets | 0.7793% | 1,957 |
| Net operating income to assets | -0.0235% | 6,046 |
| Return on assets (ROA) | -0.0235% | 6,168 |
| Pretax return on assets | -0.1022% | 6,222 |
| Return on Equity (ROE) | -0.2541% | 6,176 |
| Retained earnings to average equity (ytd only) | -0.2541% | 5,846 |
| Net charge-offs to loans | 0.4283% | 3,578 |
| Credit loss provision to net charge-offs | 219.7053% | 1,570 |
| Earnings coverage of net charge-offs (x) | 1.9088% | 4,279 |
| Efficiency ratio | 79.4935% | 2,423 |
| Assets per employee ($millions) | 3.2233% | 5,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2124% | 5,428 |
| Loan loss allowance to noncurrent loans | 39.5662% | 5,662 |
| Noncurrent assets plus other real estate owned to assets | 3.6938% | 1,931 |
| Noncurrent loans to loans | 3.0642% | 2,607 |
| Net loans and leases to total assets | 82.5644% | 439 |
| Net loans and leases to deposits | 95.0787% | 1,091 |
| Net loans and leases to core deposits | 95.8464% | 2,278 |
| Total domestic deposits to total assets | 86.8379% | 2,621 |
| Equity capital to assets | 9.4632% | 4,899 |
| Core capital (leverage) ratio | 9.4632% | 3,957 |
| Tier 1 risk-based capital ratio | 16.1557% | 2,694 |
| Total risk-based capital ratio | 17.4115% | 2,638 |
| Memoranda: | ||
| Average total assets | $408,227,500 | 1,646 |
| Average earning assets | $371,148,750 | 1,650 |
| Average equity | $37,782,500 | 1,760 |
| Average total loans | $338,072,500 | 1,334 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5868% | 6,493 |
| Cost of funding earning assets | 1.5979% | 2,669 |
| Net interest margin | 2.9889% | 6,854 |
| Noninterest income to average assets | 0.4418% | 4,591 |
| Noninterest expense to average assets | 2.6073% | 5,295 |
| Loan and lease loss provision to assets | 0.9779% | 1,481 |
| Net operating income to assets | -0.2204% | 6,381 |
| Return on assets (ROA) | -0.2204% | 6,426 |
| Pretax return on assets | -0.4243% | 6,532 |
| Return on Equity (ROE) | -2.3988% | 6,456 |
| Retained earnings to average equity (ytd only) | -2.3988% | 6,209 |
| Net charge-offs to loans | 0.4773% | 3,105 |
| Credit loss provision to net charge-offs | 248.1481% | 1,552 |
| Earnings coverage of net charge-offs (x) | 1.4049% | 4,433 |
| Efficiency ratio | 82.4842% | 2,103 |
| Assets per employee ($millions) | 3.5156% | 4,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1674% | 5,620 |
| Loan loss allowance to noncurrent loans | 31.6354% | 6,262 |
| Noncurrent assets plus other real estate owned to assets | 4.0799% | 1,675 |
| Noncurrent loans to loans | 3.6901% | 2,119 |
| Net loans and leases to total assets | 82.7153% | 467 |
| Net loans and leases to deposits | 95.7817% | 1,069 |
| Net loans and leases to core deposits | 96.6752% | 2,363 |
| Total domestic deposits to total assets | 86.3581% | 2,897 |
| Equity capital to assets | 9.2612% | 5,058 |
| Core capital (leverage) ratio | 9.2612% | 4,190 |
| Tier 1 risk-based capital ratio | 15.8383% | 2,745 |
| Total risk-based capital ratio | 17.0933% | 2,703 |
| Memoranda: | ||
| Average total assets | $411,072,000 | 1,654 |
| Average earning assets | $373,984,330 | 1,650 |
| Average equity | $37,768,670 | 1,760 |
| Average total loans | $339,411,670 | 1,344 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5735% | 6,628 |
| Cost of funding earning assets | 1.6403% | 2,707 |
| Net interest margin | 2.9331% | 6,964 |
| Noninterest income to average assets | 0.4990% | 4,052 |
| Noninterest expense to average assets | 2.6589% | 5,107 |
| Loan and lease loss provision to assets | 0.4642% | 2,645 |
| Net operating income to assets | 0.0685% | 6,108 |
| Return on assets (ROA) | 0.0685% | 6,216 |
| Pretax return on assets | 0.0473% | 6,262 |
| Return on Equity (ROE) | 0.7487% | 6,197 |
| Retained earnings to average equity (ytd only) | 0.7487% | 5,525 |
| Net charge-offs to loans | 0.4895% | 2,597 |
| Credit loss provision to net charge-offs | 115.6250% | 3,009 |
| Earnings coverage of net charge-offs (x) | 1.2740% | 3,986 |
| Efficiency ratio | 83.8661% | 2,034 |
| Assets per employee ($millions) | 3.2176% | 5,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8371% | 7,035 |
| Loan loss allowance to noncurrent loans | 26.5016% | 6,632 |
| Noncurrent assets plus other real estate owned to assets | 3.5864% | 1,956 |
| Noncurrent loans to loans | 3.1585% | 2,541 |
| Net loans and leases to total assets | 80.3447% | 793 |
| Net loans and leases to deposits | 94.3129% | 1,315 |
| Net loans and leases to core deposits | 95.4316% | 2,648 |
| Total domestic deposits to total assets | 85.1895% | 3,567 |
| Equity capital to assets | 9.1473% | 5,067 |
| Core capital (leverage) ratio | 9.1473% | 4,303 |
| Tier 1 risk-based capital ratio | 16.9065% | 2,297 |
| Total risk-based capital ratio | 18.1564% | 2,250 |
| Memoranda: | ||
| Average total assets | $414,458,500 | 1,684 |
| Average earning assets | $377,481,000 | 1,674 |
| Average equity | $37,931,500 | 1,776 |
| Average total loans | $339,934,000 | 1,381 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0424% | 6,300 |
| Cost of funding earning assets | 1.9958% | 2,981 |
| Net interest margin | 3.0467% | 6,525 |
| Noninterest income to average assets | 0.6054% | 3,589 |
| Noninterest expense to average assets | 2.5768% | 5,879 |
| Loan and lease loss provision to assets | 0.4160% | 4,319 |
| Net operating income to assets | 0.2755% | 4,623 |
| Return on assets (ROA) | 0.3621% | 4,380 |
| Pretax return on assets | 0.5237% | 4,123 |
| Return on Equity (ROE) | 4.0913% | 4,046 |
| Retained earnings to average equity (ytd only) | 4.0913% | 2,351 |
| Net charge-offs to loans | 0.1382% | 5,833 |
| Credit loss provision to net charge-offs | 349.5010% | 929 |
| Earnings coverage of net charge-offs (x) | 6.8403% | 2,277 |
| Efficiency ratio | 75.9879% | 3,530 |
| Assets per employee ($millions) | 3.3647% | 5,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8004% | 7,126 |
| Loan loss allowance to noncurrent loans | 28.1791% | 6,593 |
| Noncurrent assets plus other real estate owned to assets | 3.0199% | 2,316 |
| Noncurrent loans to loans | 2.8405% | 2,709 |
| Net loans and leases to total assets | 82.3532% | 635 |
| Net loans and leases to deposits | 97.6338% | 1,142 |
| Net loans and leases to core deposits | 117.2786% | 2,200 |
| Total domestic deposits to total assets | 84.3490% | 3,867 |
| Equity capital to assets | 9.1569% | 4,910 |
| Core capital (leverage) ratio | 9.1569% | 4,188 |
| Tier 1 risk-based capital ratio | 16.5867% | 2,278 |
| Total risk-based capital ratio | 17.7904% | 2,250 |
| Memoranda: | ||
| Average total assets | $420,879,000 | 1,642 |
| Average earning assets | $384,815,000 | 1,635 |
| Average equity | $37,249,800 | 1,804 |
| Average total loans | $362,451,200 | 1,327 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0990% | 6,269 |
| Cost of funding earning assets | 2.0706% | 3,031 |
| Net interest margin | 3.0284% | 6,523 |
| Noninterest income to average assets | 0.5915% | 3,771 |
| Noninterest expense to average assets | 2.5191% | 6,013 |
| Loan and lease loss provision to assets | 0.3748% | 4,078 |
| Net operating income to assets | 0.3161% | 4,734 |
| Return on assets (ROA) | 0.4294% | 4,380 |
| Pretax return on assets | 0.6350% | 4,073 |
| Return on Equity (ROE) | 4.8927% | 4,011 |
| Retained earnings to average equity (ytd only) | 4.8927% | 2,557 |
| Net charge-offs to loans | 0.1409% | 5,294 |
| Credit loss provision to net charge-offs | 306.1856% | 1,350 |
| Earnings coverage of net charge-offs (x) | 6.8892% | 2,521 |
| Efficiency ratio | 74.9202% | 3,706 |
| Assets per employee ($millions) | 3.4008% | 5,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6427% | 7,504 |
| Loan loss allowance to noncurrent loans | 38.8317% | 5,777 |
| Noncurrent assets plus other real estate owned to assets | 2.0424% | 3,296 |
| Noncurrent loans to loans | 1.6550% | 4,158 |
| Net loans and leases to total assets | 87.1317% | 263 |
| Net loans and leases to deposits | 105.7279% | 662 |
| Net loans and leases to core deposits | 124.9090% | 1,825 |
| Total domestic deposits to total assets | 82.4112% | 4,492 |
| Equity capital to assets | 9.2461% | 5,097 |
| Core capital (leverage) ratio | 9.2461% | 4,271 |
| Tier 1 risk-based capital ratio | 16.3879% | 2,477 |
| Total risk-based capital ratio | 17.3868% | 2,516 |
| Memoranda: | ||
| Average total assets | $422,635,500 | 1,653 |
| Average earning assets | $386,678,750 | 1,649 |
| Average equity | $37,088,250 | 1,829 |
| Average total loans | $367,171,250 | 1,332 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2022% | 6,071 |
| Cost of funding earning assets | 2.1447% | 3,064 |
| Net interest margin | 3.0575% | 6,373 |
| Noninterest income to average assets | 0.5773% | 3,852 |
| Noninterest expense to average assets | 2.5564% | 5,919 |
| Loan and lease loss provision to assets | 0.3850% | 3,611 |
| Net operating income to assets | 0.2878% | 4,950 |
| Return on assets (ROA) | 0.4534% | 4,389 |
| Pretax return on assets | 0.6789% | 4,072 |
| Return on Equity (ROE) | 5.2558% | 3,974 |
| Retained earnings to average equity (ytd only) | 5.2558% | 2,367 |
| Net charge-offs to loans | 0.1205% | 4,956 |
| Credit loss provision to net charge-offs | 369.0583% | 1,261 |
| Earnings coverage of net charge-offs (x) | 7.8296% | 2,377 |
| Efficiency ratio | 75.7836% | 3,729 |
| Assets per employee ($millions) | 3.3733% | 5,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5931% | 7,644 |
| Loan loss allowance to noncurrent loans | 36.7069% | 5,962 |
| Noncurrent assets plus other real estate owned to assets | 1.6735% | 3,681 |
| Noncurrent loans to loans | 1.6157% | 4,070 |
| Net loans and leases to total assets | 85.5296% | 434 |
| Net loans and leases to deposits | 104.7446% | 852 |
| Net loans and leases to core deposits | 121.4884% | 2,242 |
| Total domestic deposits to total assets | 81.6554% | 4,833 |
| Equity capital to assets | 9.0735% | 5,210 |
| Core capital (leverage) ratio | 9.0735% | 4,505 |
| Tier 1 risk-based capital ratio | 16.3240% | 2,511 |
| Total risk-based capital ratio | 17.2420% | 2,569 |
| Memoranda: | ||
| Average total assets | $427,482,000 | 1,660 |
| Average earning assets | $390,911,670 | 1,659 |
| Average equity | $36,873,330 | 1,854 |
| Average total loans | $370,268,000 | 1,340 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2656% | 6,045 |
| Cost of funding earning assets | 2.1713% | 3,313 |
| Net interest margin | 3.0943% | 6,217 |
| Noninterest income to average assets | 0.2829% | 6,169 |
| Noninterest expense to average assets | 2.4361% | 6,069 |
| Loan and lease loss provision to assets | 0.4106% | 2,867 |
| Net operating income to assets | 0.1713% | 5,748 |
| Return on assets (ROA) | 0.4914% | 4,650 |
| Pretax return on assets | 0.7422% | 4,280 |
| Return on Equity (ROE) | 5.8407% | 4,099 |
| Retained earnings to average equity (ytd only) | 5.8407% | 2,695 |
| Net charge-offs to loans | 0.0497% | 4,782 |
| Credit loss provision to net charge-offs | 951.0638% | 656 |
| Earnings coverage of net charge-offs (x) | 15.4681% | 1,605 |
| Efficiency ratio | 78.4848% | 3,087 |
| Assets per employee ($millions) | 3.4444% | 4,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5077% | 7,813 |
| Loan loss allowance to noncurrent loans | 41.7950% | 5,755 |
| Noncurrent assets plus other real estate owned to assets | 1.3834% | 3,880 |
| Noncurrent loans to loans | 1.2146% | 4,543 |
| Net loans and leases to total assets | 85.7993% | 477 |
| Net loans and leases to deposits | 106.1183% | 855 |
| Net loans and leases to core deposits | 122.3619% | 2,224 |
| Total domestic deposits to total assets | 80.8525% | 5,023 |
| Equity capital to assets | 8.5039% | 6,063 |
| Core capital (leverage) ratio | 8.5039% | 5,528 |
| Tier 1 risk-based capital ratio | 15.4411% | 2,877 |
| Total risk-based capital ratio | 16.2360% | 3,008 |
| Memoranda: | ||
| Average total assets | $435,454,500 | 1,635 |
| Average earning assets | $396,993,000 | 1,642 |
| Average equity | $36,639,500 | 1,866 |
| Average total loans | $378,359,000 | 1,319 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7597% | 6,560 |
| Cost of funding earning assets | 2.9783% | 1,948 |
| Net interest margin | 2.7814% | 7,362 |
| Noninterest income to average assets | 0.4439% | 5,082 |
| Noninterest expense to average assets | 2.2632% | 6,805 |
| Loan and lease loss provision to assets | 0.1895% | 4,989 |
| Net operating income to assets | 0.3541% | 5,337 |
| Return on assets (ROA) | 0.4449% | 4,796 |
| Pretax return on assets | 0.6765% | 4,463 |
| Return on Equity (ROE) | 5.3179% | 4,230 |
| Retained earnings to average equity (ytd only) | 5.3179% | 1,852 |
| Net charge-offs to loans | 0.0659% | 5,830 |
| Credit loss provision to net charge-offs | 323.6948% | 1,392 |
| Earnings coverage of net charge-offs (x) | 12.4418% | 2,241 |
| Efficiency ratio | 75.6504% | 3,292 |
| Assets per employee ($millions) | 3.3099% | 5,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3922% | 7,989 |
| Loan loss allowance to noncurrent loans | 25.1130% | 7,003 |
| Noncurrent assets plus other real estate owned to assets | 1.7740% | 2,762 |
| Noncurrent loans to loans | 1.5618% | 3,447 |
| Net loans and leases to total assets | 87.1919% | 453 |
| Net loans and leases to deposits | 108.8503% | 907 |
| Net loans and leases to core deposits | 126.1102% | 2,154 |
| Total domestic deposits to total assets | 80.1025% | 4,977 |
| Equity capital to assets | 8.3248% | 6,383 |
| Core capital (leverage) ratio | 8.3248% | 5,908 |
| Tier 1 risk-based capital ratio | 14.7605% | 3,166 |
| Total risk-based capital ratio | 15.3693% | 3,408 |
| Memoranda: | ||
| Average total assets | $425,285,400 | 1,598 |
| Average earning assets | $389,553,000 | 1,595 |
| Average equity | $35,578,200 | 1,896 |
| Average total loans | $377,772,000 | 1,287 |