Home > First Federal Savings Bank of Kentucky > Performance and Condition Ratios
First Federal Savings Bank of Kentucky, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3647% | 3,335 |
| Cost of funding earning assets | 2.1001% | 783 |
| Net interest margin | 2.2646% | 4,277 |
| Noninterest income to average assets | 0.1000% | 4,288 |
| Noninterest expense to average assets | 2.3475% | 2,725 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | -0.0919% | 4,426 |
| Return on assets (ROA) | -0.0919% | 4,408 |
| Pretax return on assets | -0.1223% | 4,410 |
| Return on Equity (ROE) | -0.8000% | 4,380 |
| Retained earnings to average equity (ytd only) | -3.0339% | 4,332 |
| Net charge-offs to loans | 0.0158% | 2,076 |
| Credit loss provision to net charge-offs | 110.8108% | 1,752 |
| Earnings coverage of net charge-offs (x) | -7.5946% | 4,549 |
| Efficiency ratio | 104.7643% | 147 |
| Assets per employee ($millions) | 5.5670% | 3,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6597% | 4,171 |
| Loan loss allowance to noncurrent loans | 43.3822% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 1.3490% | 300 |
| Noncurrent loans to loans | 1.5207% | 448 |
| Net loans and leases to total assets | 88.1300% | 81 |
| Net loans and leases to deposits | 129.4326% | 48 |
| Net loans and leases to core deposits | 167.7692% | 127 |
| Total domestic deposits to total assets | 68.0900% | 4,342 |
| Equity capital to assets | 10.7275% | 1,617 |
| Core capital (leverage) ratio | 10.7037% | 2,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $263,219,000 | 2,608 |
| Average earning assets | $249,271,600 | 2,578 |
| Average equity | $30,422,800 | 2,249 |
| Average total loans | $234,845,600 | 2,083 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2761% | 3,333 |
| Cost of funding earning assets | 1.9054% | 855 |
| Net interest margin | 2.3707% | 4,262 |
| Noninterest income to average assets | 0.1000% | 4,299 |
| Noninterest expense to average assets | 2.3620% | 2,623 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | -0.2436% | 4,506 |
| Return on assets (ROA) | -0.2436% | 4,493 |
| Pretax return on assets | -0.0308% | 4,419 |
| Return on Equity (ROE) | -2.0700% | 4,453 |
| Retained earnings to average equity (ytd only) | -5.0386% | 4,424 |
| Net charge-offs to loans | 0.0184% | 1,762 |
| Credit loss provision to net charge-offs | 46.8750% | 1,909 |
| Earnings coverage of net charge-offs (x) | -1.4063% | 4,569 |
| Efficiency ratio | 100.9888% | 166 |
| Assets per employee ($millions) | 5.3767% | 3,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6714% | 4,177 |
| Loan loss allowance to noncurrent loans | 41.9077% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 1.4273% | 270 |
| Noncurrent loans to loans | 1.6021% | 436 |
| Net loans and leases to total assets | 88.4900% | 65 |
| Net loans and leases to deposits | 120.5482% | 73 |
| Net loans and leases to core deposits | 158.5050% | 111 |
| Total domestic deposits to total assets | 73.4100% | 4,196 |
| Equity capital to assets | 11.1206% | 1,299 |
| Core capital (leverage) ratio | 11.1009% | 1,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $259,436,500 | 2,632 |
| Average earning assets | $245,543,000 | 2,606 |
| Average equity | $30,563,500 | 2,226 |
| Average total loans | $231,824,250 | 2,095 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1517% | 3,391 |
| Cost of funding earning assets | 1.6245% | 1,010 |
| Net interest margin | 2.5272% | 4,182 |
| Noninterest income to average assets | 0.1000% | 4,323 |
| Noninterest expense to average assets | 2.3792% | 2,560 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0983% | 4,363 |
| Return on assets (ROA) | 0.0983% | 4,396 |
| Pretax return on assets | 0.1124% | 4,387 |
| Return on Equity (ROE) | 0.8200% | 4,382 |
| Retained earnings to average equity (ytd only) | -3.6055% | 4,369 |
| Net charge-offs to loans | 0.0183% | 1,540 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 6.8571% | 2,106 |
| Efficiency ratio | 95.4901% | 236 |
| Assets per employee ($millions) | 4.9138% | 3,663 |
| Cash dividends to net income (ytd only)* | 540.4762% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4670% | 4,407 |
| Loan loss allowance to noncurrent loans | 33.5175% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 1.2740% | 309 |
| Noncurrent loans to loans | 1.3934% | 503 |
| Net loans and leases to total assets | 89.3600% | 46 |
| Net loans and leases to deposits | 127.3473% | 62 |
| Net loans and leases to core deposits | 154.4466% | 122 |
| Total domestic deposits to total assets | 70.1700% | 4,356 |
| Equity capital to assets | 11.7410% | 1,120 |
| Core capital (leverage) ratio | 11.6670% | 1,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $256,303,667 | 2,653 |
| Average earning assets | $242,165,667 | 2,627 |
| Average equity | $30,786,000 | 2,233 |
| Average total loans | $229,264,000 | 2,099 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9697% | 3,505 |
| Cost of funding earning assets | 1.3949% | 1,034 |
| Net interest margin | 2.5748% | 4,233 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 2.3490% | 2,674 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.1542% | 4,397 |
| Return on assets (ROA) | 0.1542% | 4,372 |
| Pretax return on assets | 0.1904% | 4,348 |
| Return on Equity (ROE) | 1.2700% | 4,361 |
| Retained earnings to average equity (ytd only) | -7.5492% | 4,417 |
| Net charge-offs to loans | 0.0405% | 959 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 5.2609% | 1,822 |
| Efficiency ratio | 92.5031% | 293 |
| Assets per employee ($millions) | 4.6989% | 3,888 |
| Cash dividends to net income (ytd only)* | 694.8980% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4815% | 4,449 |
| Loan loss allowance to noncurrent loans | 25.5629% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 1.7041% | 171 |
| Noncurrent loans to loans | 1.8836% | 314 |
| Net loans and leases to total assets | 88.7800% | 52 |
| Net loans and leases to deposits | 135.6763% | 32 |
| Net loans and leases to core deposits | 144.5499% | 153 |
| Total domestic deposits to total assets | 65.4400% | 4,493 |
| Equity capital to assets | 12.0587% | 981 |
| Core capital (leverage) ratio | 11.8423% | 1,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $254,240,500 | 2,701 |
| Average earning assets | $240,017,500 | 2,671 |
| Average equity | $30,890,500 | 2,255 |
| Average total loans | $226,984,500 | 2,128 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4635% | 3,169 |
| Cost of funding earning assets | 0.6617% | 685 |
| Net interest margin | 2.8019% | 3,887 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 2.3501% | 2,582 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.2707% | 4,395 |
| Return on assets (ROA) | 0.2707% | 4,374 |
| Pretax return on assets | 0.4328% | 4,243 |
| Return on Equity (ROE) | 2.1800% | 4,372 |
| Retained earnings to average equity (ytd only) | -2.6855% | 4,514 |
| Net charge-offs to loans | 0.0005% | 2,591 |
| Credit loss provision to net charge-offs | 1,200.0000% | 377 |
| Earnings coverage of net charge-offs (x) | 1,101.0000% | 164 |
| Efficiency ratio | 84.3028% | 478 |
| Assets per employee ($millions) | 4.6316% | 3,953 |
| Cash dividends to net income (ytd only)* | 223.3480% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4890% | 4,443 |
| Loan loss allowance to noncurrent loans | 24.1013% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 1.8128% | 145 |
| Noncurrent loans to loans | 2.0290% | 277 |
| Net loans and leases to total assets | 88.9100% | 52 |
| Net loans and leases to deposits | 136.5503% | 27 |
| Net loans and leases to core deposits | 143.9005% | 118 |
| Total domestic deposits to total assets | 65.1100% | 4,539 |
| Equity capital to assets | 12.2412% | 868 |
| Core capital (leverage) ratio | 12.1619% | 1,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $251,609,400 | 2,718 |
| Average earning assets | $237,128,200 | 2,691 |
| Average equity | $31,278,800 | 2,284 |
| Average total loans | $210,645,600 | 2,164 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3259% | 3,115 |
| Cost of funding earning assets | 0.5615% | 544 |
| Net interest margin | 2.7645% | 3,809 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 2.3192% | 2,573 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.3115% | 4,372 |
| Return on assets (ROA) | 0.3115% | 4,328 |
| Pretax return on assets | 0.4380% | 4,225 |
| Return on Equity (ROE) | 2.5000% | 4,358 |
| Retained earnings to average equity (ytd only) | -3.9825% | 4,573 |
| Net charge-offs to loans | 0.0006% | 2,314 |
| Credit loss provision to net charge-offs | 1,200.0000% | 363 |
| Earnings coverage of net charge-offs (x) | 836.0000% | 192 |
| Efficiency ratio | 83.9200% | 551 |
| Assets per employee ($millions) | 4.6026% | 3,979 |
| Cash dividends to net income (ytd only)* | 259.5563% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5053% | 4,468 |
| Loan loss allowance to noncurrent loans | 28.6118% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 1.5651% | 207 |
| Noncurrent loans to loans | 1.7662% | 368 |
| Net loans and leases to total assets | 88.1700% | 59 |
| Net loans and leases to deposits | 121.5103% | 51 |
| Net loans and leases to core deposits | 128.5914% | 161 |
| Total domestic deposits to total assets | 72.5600% | 4,499 |
| Equity capital to assets | 12.4908% | 772 |
| Core capital (leverage) ratio | 12.5354% | 1,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $250,827,000 | 2,746 |
| Average earning assets | $236,279,000 | 2,710 |
| Average equity | $31,302,750 | 2,311 |
| Average total loans | $206,407,500 | 2,195 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1842% | 3,092 |
| Cost of funding earning assets | 0.5397% | 421 |
| Net interest margin | 2.6445% | 3,826 |
| Noninterest income to average assets | 0.1693% | 4,164 |
| Noninterest expense to average assets | 2.3197% | 2,494 |
| Loan and lease loss provision to assets | -0.0580% | 4,534 |
| Net operating income to assets | 0.2679% | 4,340 |
| Return on assets (ROA) | 0.2679% | 4,294 |
| Pretax return on assets | 0.3967% | 4,166 |
| Return on Equity (ROE) | 2.1473% | 4,338 |
| Retained earnings to average equity (ytd only) | -7.5441% | 4,610 |
| Net charge-offs to loans | 0.0010% | 2,113 |
| Credit loss provision to net charge-offs | -7,300.0000% | 3,824 |
| Earnings coverage of net charge-offs (x) | 426.0000% | 296 |
| Efficiency ratio | 87.2608% | 525 |
| Assets per employee ($millions) | 4.6875% | 3,940 |
| Cash dividends to net income (ytd only)* | 451.3353% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5051% | 4,545 |
| Loan loss allowance to noncurrent loans | 26.5427% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 1.5889% | 214 |
| Noncurrent loans to loans | 1.9031% | 347 |
| Net loans and leases to total assets | 83.0697% | 230 |
| Net loans and leases to deposits | 104.4890% | 154 |
| Net loans and leases to core deposits | 110.6676% | 340 |
| Total domestic deposits to total assets | 79.5009% | 4,267 |
| Equity capital to assets | 12.7343% | 712 |
| Core capital (leverage) ratio | 11.9923% | 1,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $251,588,333 | 2,763 |
| Average earning assets | $236,795,000 | 2,744 |
| Average equity | $31,388,667 | 2,349 |
| Average total loans | $201,792,667 | 2,221 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1073% | 2,961 |
| Cost of funding earning assets | 0.5334% | 412 |
| Net interest margin | 2.5739% | 3,728 |
| Noninterest income to average assets | 0.1456% | 4,286 |
| Noninterest expense to average assets | 2.2371% | 2,728 |
| Loan and lease loss provision to assets | -0.1659% | 4,664 |
| Net operating income to assets | 0.3131% | 4,122 |
| Return on assets (ROA) | 0.3131% | 4,089 |
| Pretax return on assets | 0.4994% | 3,871 |
| Return on Equity (ROE) | 2.5346% | 4,180 |
| Retained earnings to average equity (ytd only) | -16.7411% | 4,664 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1108% | 1,221 |
| Assets per employee ($millions) | 4.8845% | 3,856 |
| Cash dividends to net income (ytd only)* | 760.5000% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4997% | 4,586 |
| Loan loss allowance to noncurrent loans | 24.6535% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 1.5906% | 223 |
| Noncurrent loans to loans | 2.0270% | 357 |
| Net loans and leases to total assets | 78.0800% | 370 |
| Net loans and leases to deposits | 100.5674% | 163 |
| Net loans and leases to core deposits | 106.3043% | 344 |
| Total domestic deposits to total assets | 77.6395% | 4,429 |
| Equity capital to assets | 12.1669% | 899 |
| Core capital (leverage) ratio | 11.7355% | 1,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $255,506,500 | 2,749 |
| Average earning assets | $240,723,000 | 2,732 |
| Average equity | $31,563,000 | 2,409 |
| Average total loans | $200,933,000 | 2,224 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7065% | 2,095 |
| Cost of funding earning assets | 0.6250% | 482 |
| Net interest margin | 3.0814% | 2,962 |
| Noninterest income to average assets | 0.2876% | 3,670 |
| Noninterest expense to average assets | 2.4851% | 2,227 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6085% | 3,855 |
| Return on assets (ROA) | 0.6085% | 3,902 |
| Pretax return on assets | 0.7057% | 3,919 |
| Return on Equity (ROE) | 4.7961% | 4,041 |
| Retained earnings to average equity (ytd only) | 2.1915% | 3,924 |
| Net charge-offs to loans | 0.0009% | 2,651 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 882.0000% | 170 |
| Efficiency ratio | 77.8837% | 958 |
| Assets per employee ($millions) | 4.7596% | 3,921 |
| Cash dividends to net income (ytd only)* | 54.3064% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5441% | 4,588 |
| Loan loss allowance to noncurrent loans | 25.7537% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 1.6648% | 234 |
| Noncurrent loans to loans | 2.1125% | 360 |
| Net loans and leases to total assets | 78.3792% | 358 |
| Net loans and leases to deposits | 102.5050% | 154 |
| Net loans and leases to core deposits | 108.1216% | 318 |
| Total domestic deposits to total assets | 76.4638% | 4,490 |
| Equity capital to assets | 12.5371% | 1,046 |
| Core capital (leverage) ratio | 12.2411% | 1,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $249,967,400 | 2,731 |
| Average earning assets | $235,506,400 | 2,709 |
| Average equity | $31,713,200 | 2,435 |
| Average total loans | $214,452,200 | 2,139 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8149% | 1,987 |
| Cost of funding earning assets | 0.6399% | 515 |
| Net interest margin | 3.1750% | 2,812 |
| Noninterest income to average assets | 0.3325% | 3,443 |
| Noninterest expense to average assets | 2.5296% | 2,033 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6758% | 3,826 |
| Return on assets (ROA) | 0.6758% | 3,884 |
| Pretax return on assets | 0.7934% | 3,903 |
| Return on Equity (ROE) | 5.3103% | 4,062 |
| Retained earnings to average equity (ytd only) | 1.8236% | 4,242 |
| Net charge-offs to loans | 0.0018% | 2,338 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 492.3333% | 305 |
| Efficiency ratio | 76.1235% | 1,029 |
| Assets per employee ($millions) | 4.8760% | 3,815 |
| Cash dividends to net income (ytd only)* | 65.6598% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5070% | 4,700 |
| Loan loss allowance to noncurrent loans | 24.6309% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 1.7630% | 243 |
| Noncurrent loans to loans | 2.0584% | 418 |
| Net loans and leases to total assets | 85.2117% | 83 |
| Net loans and leases to deposits | 112.9003% | 76 |
| Net loans and leases to core deposits | 118.8532% | 194 |
| Total domestic deposits to total assets | 75.4752% | 4,572 |
| Equity capital to assets | 12.5604% | 1,150 |
| Core capital (leverage) ratio | 12.3250% | 1,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $248,204,000 | 2,759 |
| Average earning assets | $233,778,750 | 2,742 |
| Average equity | $31,585,750 | 2,475 |
| Average total loans | $217,427,000 | 2,150 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8964% | 1,825 |
| Cost of funding earning assets | 0.6524% | 564 |
| Net interest margin | 3.2440% | 2,624 |
| Noninterest income to average assets | 0.3182% | 3,521 |
| Noninterest expense to average assets | 2.5972% | 1,864 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5170% | 4,183 |
| Return on assets (ROA) | 0.5170% | 4,226 |
| Pretax return on assets | 0.7759% | 3,914 |
| Return on Equity (ROE) | 4.0534% | 4,320 |
| Retained earnings to average equity (ytd only) | -1.2027% | 4,622 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9971% | 992 |
| Assets per employee ($millions) | 4.8031% | 3,834 |
| Cash dividends to net income (ytd only)* | 129.6703% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5099% | 4,730 |
| Loan loss allowance to noncurrent loans | 24.9717% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 1.7825% | 261 |
| Noncurrent loans to loans | 2.0420% | 470 |
| Net loans and leases to total assets | 86.2413% | 79 |
| Net loans and leases to deposits | 117.2189% | 62 |
| Net loans and leases to core deposits | 121.9356% | 196 |
| Total domestic deposits to total assets | 73.5728% | 4,670 |
| Equity capital to assets | 12.5011% | 1,133 |
| Core capital (leverage) ratio | 12.2736% | 996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $246,422,333 | 2,761 |
| Average earning assets | $232,058,000 | 2,746 |
| Average equity | $31,430,333 | 2,477 |
| Average total loans | $217,517,333 | 2,161 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7182% | 2,322 |
| Cost of funding earning assets | 0.6596% | 652 |
| Net interest margin | 3.0586% | 3,109 |
| Noninterest income to average assets | 0.3432% | 3,378 |
| Noninterest expense to average assets | 2.5250% | 2,103 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4037% | 4,353 |
| Return on assets (ROA) | 0.4037% | 4,380 |
| Pretax return on assets | 0.6978% | 4,023 |
| Return on Equity (ROE) | 3.1331% | 4,449 |
| Retained earnings to average equity (ytd only) | 3.1331% | 3,739 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3469% | 929 |
| Assets per employee ($millions) | 4.5527% | 4,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5033% | 4,770 |
| Loan loss allowance to noncurrent loans | 29.0373% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 1.5465% | 397 |
| Noncurrent loans to loans | 1.7334% | 690 |
| Net loans and leases to total assets | 88.7677% | 33 |
| Net loans and leases to deposits | 119.7467% | 68 |
| Net loans and leases to core deposits | 124.4965% | 202 |
| Total domestic deposits to total assets | 74.1295% | 4,663 |
| Equity capital to assets | 12.8773% | 955 |
| Core capital (leverage) ratio | 12.4996% | 992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $244,752,500 | 2,758 |
| Average earning assets | $230,432,000 | 2,746 |
| Average equity | $31,534,000 | 2,462 |
| Average total loans | $218,025,000 | 2,154 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0355% | 2,620 |
| Cost of funding earning assets | 0.9698% | 669 |
| Net interest margin | 3.0657% | 3,709 |
| Noninterest income to average assets | 0.2599% | 3,926 |
| Noninterest expense to average assets | 8.1144% | 95 |
| Loan and lease loss provision to assets | 0.0900% | 3,240 |
| Net operating income to assets | -5.2110% | 4,990 |
| Return on assets (ROA) | -5.2110% | 4,990 |
| Pretax return on assets | -5.1271% | 4,988 |
| Return on Equity (ROE) | -34.9630% | 4,992 |
| Retained earnings to average equity (ytd only) | -36.5444% | 4,984 |
| Net charge-offs to loans | 0.0161% | 2,779 |
| Credit loss provision to net charge-offs | 647.0588% | 1,055 |
| Earnings coverage of net charge-offs (x) | -362.0294% | 3,440 |
| Efficiency ratio | 83.3644% | 675 |
| Assets per employee ($millions) | 4.6858% | 3,730 |
| Cash dividends to net income (ytd only)* | -4.5233% | 4,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5094% | 4,786 |
| Loan loss allowance to noncurrent loans | 27.5931% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 1.6420% | 412 |
| Noncurrent loans to loans | 1.8462% | 665 |
| Net loans and leases to total assets | 88.4885% | 40 |
| Net loans and leases to deposits | 123.9214% | 57 |
| Net loans and leases to core deposits | 128.8713% | 210 |
| Total domestic deposits to total assets | 71.4070% | 4,739 |
| Equity capital to assets | 12.8909% | 1,138 |
| Core capital (leverage) ratio | 12.4818% | 1,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $244,367,400 | 2,619 |
| Average earning assets | $224,580,800 | 2,637 |
| Average equity | $36,421,400 | 2,156 |
| Average total loans | $210,667,200 | 2,159 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0915% | 2,695 |
| Cost of funding earning assets | 1.0529% | 635 |
| Net interest margin | 3.0387% | 3,888 |
| Noninterest income to average assets | 0.2443% | 4,018 |
| Noninterest expense to average assets | 9.9693% | 76 |
| Loan and lease loss provision to assets | 0.0671% | 3,496 |
| Net operating income to assets | -7.0900% | 5,022 |
| Return on assets (ROA) | -7.0900% | 5,022 |
| Pretax return on assets | -7.0164% | 5,021 |
| Return on Equity (ROE) | -46.0214% | 5,022 |
| Retained earnings to average equity (ytd only) | -48.0599% | 5,013 |
| Net charge-offs to loans | 0.0217% | 2,419 |
| Credit loss provision to net charge-offs | 361.7647% | 1,570 |
| Earnings coverage of net charge-offs (x) | -374.8824% | 3,240 |
| Efficiency ratio | 85.3042% | 544 |
| Assets per employee ($millions) | 4.5744% | 3,752 |
| Cash dividends to net income (ytd only)* | -4.4294% | 4,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4735% | 4,836 |
| Loan loss allowance to noncurrent loans | 26.4930% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 1.5678% | 532 |
| Noncurrent loans to loans | 1.7872% | 742 |
| Net loans and leases to total assets | 87.3084% | 99 |
| Net loans and leases to deposits | 123.0135% | 89 |
| Net loans and leases to core deposits | 129.6071% | 256 |
| Total domestic deposits to total assets | 70.9746% | 4,721 |
| Equity capital to assets | 12.8005% | 1,275 |
| Core capital (leverage) ratio | 12.5320% | 1,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $244,544,000 | 2,599 |
| Average earning assets | $223,382,500 | 2,627 |
| Average equity | $37,674,250 | 2,098 |
| Average total loans | $209,155,000 | 2,170 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1641% | 2,869 |
| Cost of funding earning assets | 1.1395% | 631 |
| Net interest margin | 3.0246% | 4,070 |
| Noninterest income to average assets | 0.2442% | 4,016 |
| Noninterest expense to average assets | 2.5272% | 2,893 |
| Loan and lease loss provision to assets | 0.0312% | 3,870 |
| Net operating income to assets | 0.3075% | 4,405 |
| Return on assets (ROA) | 0.3075% | 4,451 |
| Pretax return on assets | 0.3724% | 4,444 |
| Return on Equity (ROE) | 1.7293% | 4,578 |
| Retained earnings to average equity (ytd only) | -0.8646% | 4,454 |
| Net charge-offs to loans | -0.0019% | 3,814 |
| Credit loss provision to net charge-offs | -1,950.0000% | 3,886 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2295% | 526 |
| Assets per employee ($millions) | 4.8168% | 3,400 |
| Cash dividends to net income (ytd only)* | 150.0000% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4495% | 4,876 |
| Loan loss allowance to noncurrent loans | 23.7200% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 1.5837% | 572 |
| Noncurrent loans to loans | 1.8949% | 725 |
| Net loans and leases to total assets | 83.2029% | 318 |
| Net loans and leases to deposits | 125.2592% | 63 |
| Net loans and leases to core deposits | 131.7106% | 241 |
| Total domestic deposits to total assets | 66.4246% | 4,879 |
| Equity capital to assets | 17.4000% | 342 |
| Core capital (leverage) ratio | 12.7138% | 1,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $249,764,333 | 2,540 |
| Average earning assets | $221,850,000 | 2,617 |
| Average equity | $44,412,000 | 1,846 |
| Average total loans | $207,980,000 | 2,162 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3565% | 2,758 |
| Cost of funding earning assets | 1.2520% | 649 |
| Net interest margin | 3.1045% | 4,086 |
| Noninterest income to average assets | 0.1798% | 4,468 |
| Noninterest expense to average assets | 2.5862% | 3,019 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.2818% | 4,382 |
| Return on assets (ROA) | 0.2818% | 4,402 |
| Pretax return on assets | 0.3482% | 4,381 |
| Return on Equity (ROE) | 1.5673% | 4,530 |
| Retained earnings to average equity (ytd only) | -3.6210% | 4,409 |
| Net charge-offs to loans | -0.0019% | 3,649 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1347% | 581 |
| Assets per employee ($millions) | 4.6724% | 3,029 |
| Cash dividends to net income (ytd only)* | 331.0345% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4511% | 4,917 |
| Loan loss allowance to noncurrent loans | 21.4519% | 4,501 |
| Noncurrent assets plus other real estate owned to assets | 1.7752% | 525 |
| Noncurrent loans to loans | 2.1027% | 649 |
| Net loans and leases to total assets | 81.9017% | 445 |
| Net loans and leases to deposits | 123.7463% | 67 |
| Net loans and leases to core deposits | 130.9515% | 254 |
| Total domestic deposits to total assets | 66.1852% | 4,957 |
| Equity capital to assets | 17.8523% | 367 |
| Core capital (leverage) ratio | 12.6902% | 1,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $247,002,500 | 2,510 |
| Average earning assets | $219,167,500 | 2,579 |
| Average equity | $44,408,000 | 1,829 |
| Average total loans | $205,287,000 | 2,146 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4987% | 2,952 |
| Cost of funding earning assets | 1.3009% | 767 |
| Net interest margin | 3.1978% | 4,188 |
| Noninterest income to average assets | 0.1220% | 4,851 |
| Noninterest expense to average assets | 2.6379% | 3,067 |
| Loan and lease loss provision to assets | 0.0262% | 3,488 |
| Net operating income to assets | 0.2359% | 4,813 |
| Return on assets (ROA) | 0.2359% | 4,834 |
| Pretax return on assets | 0.2879% | 4,828 |
| Return on Equity (ROE) | 1.2934% | 4,883 |
| Retained earnings to average equity (ytd only) | -2.5218% | 4,895 |
| Net charge-offs to loans | 0.0446% | 2,494 |
| Credit loss provision to net charge-offs | 70.3297% | 2,909 |
| Earnings coverage of net charge-offs (x) | 8.4286% | 2,775 |
| Efficiency ratio | 89.3590% | 373 |
| Assets per employee ($millions) | 4.5624% | 3,135 |
| Cash dividends to net income (ytd only)* | 294.9653% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4438% | 4,952 |
| Loan loss allowance to noncurrent loans | 21.5341% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 1.7855% | 493 |
| Noncurrent loans to loans | 2.0611% | 617 |
| Net loans and leases to total assets | 83.5815% | 360 |
| Net loans and leases to deposits | 131.7344% | 38 |
| Net loans and leases to core deposits | 137.9583% | 188 |
| Total domestic deposits to total assets | 63.4470% | 5,057 |
| Equity capital to assets | 18.1058% | 359 |
| Core capital (leverage) ratio | 12.8518% | 1,311 |
| Tier 1 risk-based capital ratio | 20.6778% | 1,225 |
| Total risk-based capital ratio | 21.3085% | 1,291 |
| Memoranda: | ||
| Average total assets | $244,169,000 | 2,498 |
| Average earning assets | $216,085,600 | 2,557 |
| Average equity | $44,532,200 | 1,771 |
| Average total loans | $203,992,400 | 2,142 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5053% | 3,051 |
| Cost of funding earning assets | 1.2934% | 802 |
| Net interest margin | 3.2119% | 4,271 |
| Noninterest income to average assets | 0.1089% | 4,960 |
| Noninterest expense to average assets | 2.6533% | 3,006 |
| Loan and lease loss provision to assets | 0.0323% | 3,260 |
| Net operating income to assets | 0.2178% | 4,938 |
| Return on assets (ROA) | 0.2178% | 4,952 |
| Pretax return on assets | 0.2638% | 4,935 |
| Return on Equity (ROE) | 1.1921% | 4,996 |
| Retained earnings to average equity (ytd only) | -3.8968% | 5,021 |
| Net charge-offs to loans | 0.0551% | 2,047 |
| Credit loss provision to net charge-offs | 70.2381% | 2,617 |
| Earnings coverage of net charge-offs (x) | 6.4404% | 2,838 |
| Efficiency ratio | 89.9610% | 324 |
| Assets per employee ($millions) | 4.4875% | 3,228 |
| Cash dividends to net income (ytd only)* | 426.8878% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4466% | 5,026 |
| Loan loss allowance to noncurrent loans | 22.0096% | 4,600 |
| Noncurrent assets plus other real estate owned to assets | 1.8107% | 546 |
| Noncurrent loans to loans | 2.0289% | 665 |
| Net loans and leases to total assets | 83.0995% | 439 |
| Net loans and leases to deposits | 133.8838% | 33 |
| Net loans and leases to core deposits | 139.4607% | 188 |
| Total domestic deposits to total assets | 62.0684% | 5,148 |
| Equity capital to assets | 17.9511% | 394 |
| Core capital (leverage) ratio | 12.8147% | 1,431 |
| Tier 1 risk-based capital ratio | 20.3610% | 1,311 |
| Total risk-based capital ratio | 20.9897% | 1,377 |
| Memoranda: | ||
| Average total assets | $243,619,250 | 2,522 |
| Average earning assets | $215,445,750 | 2,586 |
| Average equity | $44,513,500 | 1,778 |
| Average total loans | $203,281,500 | 2,158 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4835% | 3,064 |
| Cost of funding earning assets | 1.2659% | 829 |
| Net interest margin | 3.2176% | 4,327 |
| Noninterest income to average assets | 0.1031% | 5,024 |
| Noninterest expense to average assets | 2.6823% | 2,967 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.2202% | 4,972 |
| Return on assets (ROA) | 0.2202% | 4,984 |
| Pretax return on assets | 0.2647% | 4,969 |
| Return on Equity (ROE) | 1.1978% | 5,029 |
| Retained earnings to average equity (ytd only) | -6.4240% | 5,108 |
| Net charge-offs to loans | 0.0296% | 2,263 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 10.7000% | 2,244 |
| Efficiency ratio | 91.0185% | 317 |
| Assets per employee ($millions) | 4.5555% | 3,052 |
| Cash dividends to net income (ytd only)* | 636.3296% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4473% | 5,069 |
| Loan loss allowance to noncurrent loans | 19.0625% | 4,671 |
| Noncurrent assets plus other real estate owned to assets | 1.9963% | 463 |
| Noncurrent loans to loans | 2.3463% | 546 |
| Net loans and leases to total assets | 82.7902% | 503 |
| Net loans and leases to deposits | 133.5127% | 34 |
| Net loans and leases to core deposits | 138.8353% | 206 |
| Total domestic deposits to total assets | 62.0092% | 5,192 |
| Equity capital to assets | 17.9554% | 386 |
| Core capital (leverage) ratio | 12.9297% | 1,332 |
| Tier 1 risk-based capital ratio | 20.3988% | 1,276 |
| Total risk-based capital ratio | 21.0281% | 1,361 |
| Memoranda: | ||
| Average total assets | $242,554,000 | 2,538 |
| Average earning assets | $214,386,670 | 2,606 |
| Average equity | $44,582,670 | 1,772 |
| Average total loans | $202,368,000 | 2,173 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4012% | 3,224 |
| Cost of funding earning assets | 1.2344% | 810 |
| Net interest margin | 3.1668% | 4,463 |
| Noninterest income to average assets | 0.1594% | 4,783 |
| Noninterest expense to average assets | 2.7787% | 2,645 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.1511% | 5,052 |
| Return on assets (ROA) | 0.1511% | 5,058 |
| Pretax return on assets | 0.1761% | 5,048 |
| Return on Equity (ROE) | 0.8127% | 5,093 |
| Retained earnings to average equity (ytd only) | -14.3607% | 5,196 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0416% | 275 |
| Assets per employee ($millions) | 4.4281% | 3,292 |
| Cash dividends to net income (ytd only)* | 1,867.0330% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4731% | 5,108 |
| Loan loss allowance to noncurrent loans | 17.9897% | 4,742 |
| Noncurrent assets plus other real estate owned to assets | 2.2432% | 385 |
| Noncurrent loans to loans | 2.6300% | 484 |
| Net loans and leases to total assets | 83.1340% | 454 |
| Net loans and leases to deposits | 131.3185% | 38 |
| Net loans and leases to core deposits | 136.9454% | 221 |
| Total domestic deposits to total assets | 63.3071% | 5,250 |
| Equity capital to assets | 18.3958% | 314 |
| Core capital (leverage) ratio | 13.0484% | 1,249 |
| Tier 1 risk-based capital ratio | 20.7883% | 1,203 |
| Total risk-based capital ratio | 21.4547% | 1,270 |
| Memoranda: | ||
| Average total assets | $240,831,500 | 2,576 |
| Average earning assets | $212,578,000 | 2,645 |
| Average equity | $44,789,000 | 1,741 |
| Average total loans | $201,263,000 | 2,200 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3340% | 2,984 |
| Cost of funding earning assets | 1.0191% | 706 |
| Net interest margin | 3.3149% | 4,212 |
| Noninterest income to average assets | 0.1741% | 4,855 |
| Noninterest expense to average assets | 2.8234% | 2,605 |
| Loan and lease loss provision to assets | 0.0204% | 3,753 |
| Net operating income to assets | 0.2133% | 5,094 |
| Return on assets (ROA) | 0.2133% | 5,090 |
| Pretax return on assets | 0.2528% | 5,083 |
| Return on Equity (ROE) | 1.1352% | 5,148 |
| Retained earnings to average equity (ytd only) | 1.1352% | 4,670 |
| Net charge-offs to loans | 0.0135% | 3,226 |
| Credit loss provision to net charge-offs | 181.4815% | 1,559 |
| Earnings coverage of net charge-offs (x) | 24.2963% | 1,820 |
| Efficiency ratio | 91.1757% | 302 |
| Assets per employee ($millions) | 4.3311% | 3,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4660% | 5,161 |
| Loan loss allowance to noncurrent loans | 17.5227% | 4,768 |
| Noncurrent assets plus other real estate owned to assets | 2.2969% | 363 |
| Noncurrent loans to loans | 2.6594% | 433 |
| Net loans and leases to total assets | 83.2207% | 492 |
| Net loans and leases to deposits | 132.6276% | 38 |
| Net loans and leases to core deposits | 137.9257% | 218 |
| Total domestic deposits to total assets | 62.7476% | 5,295 |
| Equity capital to assets | 18.7967% | 284 |
| Core capital (leverage) ratio | 13.6328% | 1,028 |
| Tier 1 risk-based capital ratio | 21.0671% | 1,147 |
| Total risk-based capital ratio | 21.7076% | 1,213 |
| Memoranda: | ||
| Average total assets | $240,067,800 | 2,550 |
| Average earning assets | $211,652,000 | 2,626 |
| Average equity | $45,103,200 | 1,660 |
| Average total loans | $200,265,200 | 2,174 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2788% | 3,042 |
| Cost of funding earning assets | 0.9631% | 707 |
| Net interest margin | 3.3158% | 4,241 |
| Noninterest income to average assets | 0.1726% | 4,922 |
| Noninterest expense to average assets | 2.8286% | 2,537 |
| Loan and lease loss provision to assets | 0.0273% | 3,463 |
| Net operating income to assets | 0.2044% | 5,192 |
| Return on assets (ROA) | 0.2044% | 5,187 |
| Pretax return on assets | 0.2383% | 5,185 |
| Return on Equity (ROE) | 1.0878% | 5,226 |
| Retained earnings to average equity (ytd only) | 1.0878% | 4,833 |
| Net charge-offs to loans | 0.0087% | 3,108 |
| Credit loss provision to net charge-offs | 376.9231% | 855 |
| Earnings coverage of net charge-offs (x) | 36.6982% | 1,419 |
| Efficiency ratio | 91.4162% | 290 |
| Assets per employee ($millions) | 4.2844% | 3,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4781% | 5,215 |
| Loan loss allowance to noncurrent loans | 16.5917% | 4,896 |
| Noncurrent assets plus other real estate owned to assets | 2.4775% | 352 |
| Noncurrent loans to loans | 2.8814% | 397 |
| Net loans and leases to total assets | 83.2076% | 541 |
| Net loans and leases to deposits | 129.3861% | 48 |
| Net loans and leases to core deposits | 134.4217% | 263 |
| Total domestic deposits to total assets | 64.3095% | 5,348 |
| Equity capital to assets | 18.8839% | 276 |
| Core capital (leverage) ratio | 13.6076% | 1,056 |
| Tier 1 risk-based capital ratio | 22.0864% | 1,043 |
| Total risk-based capital ratio | 22.7740% | 1,092 |
| Memoranda: | ||
| Average total assets | $239,449,000 | 2,559 |
| Average earning assets | $210,987,250 | 2,642 |
| Average equity | $44,981,500 | 1,670 |
| Average total loans | $199,633,750 | 2,187 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2656% | 2,891 |
| Cost of funding earning assets | 0.9131% | 696 |
| Net interest margin | 3.3525% | 4,099 |
| Noninterest income to average assets | 0.1738% | 4,954 |
| Noninterest expense to average assets | 2.8334% | 2,566 |
| Loan and lease loss provision to assets | 0.0326% | 3,263 |
| Net operating income to assets | 0.2248% | 5,207 |
| Return on assets (ROA) | 0.2248% | 5,203 |
| Pretax return on assets | 0.2599% | 5,199 |
| Return on Equity (ROE) | 1.1989% | 5,254 |
| Retained earnings to average equity (ytd only) | 1.1989% | 4,715 |
| Net charge-offs to loans | 0.0020% | 3,140 |
| Credit loss provision to net charge-offs | 1,950.0000% | 219 |
| Earnings coverage of net charge-offs (x) | 175.0000% | 465 |
| Efficiency ratio | 90.6417% | 350 |
| Assets per employee ($millions) | 4.3453% | 3,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4714% | 5,294 |
| Loan loss allowance to noncurrent loans | 20.6718% | 4,868 |
| Noncurrent assets plus other real estate owned to assets | 1.9389% | 564 |
| Noncurrent loans to loans | 2.2805% | 596 |
| Net loans and leases to total assets | 83.2925% | 545 |
| Net loans and leases to deposits | 132.9348% | 33 |
| Net loans and leases to core deposits | 137.4076% | 219 |
| Total domestic deposits to total assets | 62.6567% | 5,424 |
| Equity capital to assets | 18.4968% | 290 |
| Core capital (leverage) ratio | 13.4875% | 1,067 |
| Tier 1 risk-based capital ratio | 21.3049% | 1,126 |
| Total risk-based capital ratio | 21.9754% | 1,191 |
| Memoranda: | ||
| Average total assets | $239,290,670 | 2,568 |
| Average earning assets | $210,707,670 | 2,662 |
| Average equity | $44,873,000 | 1,676 |
| Average total loans | $199,313,670 | 2,195 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2381% | 2,751 |
| Cost of funding earning assets | 0.8691% | 695 |
| Net interest margin | 3.3691% | 3,992 |
| Noninterest income to average assets | 0.1770% | 4,965 |
| Noninterest expense to average assets | 2.7968% | 2,700 |
| Loan and lease loss provision to assets | 0.0438% | 2,886 |
| Net operating income to assets | 0.2529% | 5,174 |
| Return on assets (ROA) | 0.2529% | 5,174 |
| Pretax return on assets | 0.3035% | 5,166 |
| Return on Equity (ROE) | 1.3391% | 5,277 |
| Retained earnings to average equity (ytd only) | 1.3391% | 4,533 |
| Net charge-offs to loans | 0.0061% | 2,516 |
| Credit loss provision to net charge-offs | 866.6667% | 385 |
| Earnings coverage of net charge-offs (x) | 68.6667% | 781 |
| Efficiency ratio | 88.9544% | 488 |
| Assets per employee ($millions) | 4.2523% | 3,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4776% | 5,356 |
| Loan loss allowance to noncurrent loans | 22.7766% | 4,894 |
| Noncurrent assets plus other real estate owned to assets | 1.7768% | 690 |
| Noncurrent loans to loans | 2.0969% | 744 |
| Net loans and leases to total assets | 82.6925% | 573 |
| Net loans and leases to deposits | 130.7695% | 34 |
| Net loans and leases to core deposits | 134.8098% | 275 |
| Total domestic deposits to total assets | 63.2353% | 5,496 |
| Equity capital to assets | 18.8483% | 258 |
| Core capital (leverage) ratio | 13.5719% | 989 |
| Tier 1 risk-based capital ratio | 22.1199% | 1,034 |
| Total risk-based capital ratio | 22.8081% | 1,090 |
| Memoranda: | ||
| Average total assets | $237,269,000 | 2,610 |
| Average earning assets | $208,960,000 | 2,704 |
| Average equity | $44,805,000 | 1,683 |
| Average total loans | $197,151,000 | 2,216 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2253% | 2,598 |
| Cost of funding earning assets | 0.6808% | 1,130 |
| Net interest margin | 3.5444% | 3,360 |
| Noninterest income to average assets | 0.3568% | 3,914 |
| Noninterest expense to average assets | 2.7828% | 2,839 |
| Loan and lease loss provision to assets | 0.0135% | 4,021 |
| Net operating income to assets | 0.6025% | 3,998 |
| Return on assets (ROA) | 0.6271% | 3,937 |
| Pretax return on assets | 0.6917% | 4,528 |
| Return on Equity (ROE) | 3.3327% | 4,733 |
| Retained earnings to average equity (ytd only) | 0.9314% | 4,647 |
| Net charge-offs to loans | 0.0215% | 3,387 |
| Credit loss provision to net charge-offs | 76.1905% | 2,997 |
| Earnings coverage of net charge-offs (x) | 38.2381% | 1,301 |
| Efficiency ratio | 80.4051% | 1,069 |
| Assets per employee ($millions) | 4.1475% | 3,744 |
| Cash dividends to net income (ytd only)* | 72.0539% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4699% | 5,427 |
| Loan loss allowance to noncurrent loans | 25.4270% | 4,916 |
| Noncurrent assets plus other real estate owned to assets | 1.5803% | 842 |
| Noncurrent loans to loans | 1.8479% | 858 |
| Net loans and leases to total assets | 82.7038% | 598 |
| Net loans and leases to deposits | 132.0796% | 39 |
| Net loans and leases to core deposits | 135.6478% | 258 |
| Total domestic deposits to total assets | 62.6166% | 5,563 |
| Equity capital to assets | 18.9193% | 255 |
| Core capital (leverage) ratio | 13.6054% | 937 |
| Tier 1 risk-based capital ratio | 22.2554% | 988 |
| Total risk-based capital ratio | 22.9352% | 1,033 |
| Memoranda: | ||
| Average total assets | $236,809,800 | 2,591 |
| Average earning assets | $207,395,800 | 2,693 |
| Average equity | $44,558,400 | 1,675 |
| Average total loans | $195,650,800 | 2,196 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2128% | 2,566 |
| Cost of funding earning assets | 0.6434% | 1,286 |
| Net interest margin | 3.5694% | 3,260 |
| Noninterest income to average assets | 0.2049% | 4,980 |
| Noninterest expense to average assets | 2.7627% | 2,851 |
| Loan and lease loss provision to assets | 0.0180% | 3,788 |
| Net operating income to assets | 0.3728% | 5,063 |
| Return on assets (ROA) | 0.3973% | 5,031 |
| Pretax return on assets | 0.5825% | 4,876 |
| Return on Equity (ROE) | 2.1145% | 5,290 |
| Retained earnings to average equity (ytd only) | 2.1145% | 4,593 |
| Net charge-offs to loans | 0.0218% | 3,033 |
| Credit loss provision to net charge-offs | 100.0000% | 2,276 |
| Earnings coverage of net charge-offs (x) | 31.3405% | 1,512 |
| Efficiency ratio | 83.0345% | 837 |
| Assets per employee ($millions) | 4.0466% | 3,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4799% | 5,493 |
| Loan loss allowance to noncurrent loans | 21.4433% | 5,051 |
| Noncurrent assets plus other real estate owned to assets | 1.9288% | 693 |
| Noncurrent loans to loans | 2.2379% | 726 |
| Net loans and leases to total assets | 82.4419% | 609 |
| Net loans and leases to deposits | 131.6630% | 37 |
| Net loans and leases to core deposits | 134.9674% | 268 |
| Total domestic deposits to total assets | 62.6158% | 5,630 |
| Equity capital to assets | 19.1120% | 267 |
| Core capital (leverage) ratio | 13.6870% | 968 |
| Tier 1 risk-based capital ratio | 22.6014% | 986 |
| Total risk-based capital ratio | 23.2962% | 1,025 |
| Memoranda: | ||
| Average total assets | $236,909,750 | 2,607 |
| Average earning assets | $207,235,250 | 2,714 |
| Average equity | $44,516,250 | 1,689 |
| Average total loans | $195,452,750 | 2,204 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1965% | 2,486 |
| Cost of funding earning assets | 0.6014% | 1,438 |
| Net interest margin | 3.5950% | 3,060 |
| Noninterest income to average assets | 0.1826% | 5,138 |
| Noninterest expense to average assets | 2.7503% | 2,929 |
| Loan and lease loss provision to assets | 0.0269% | 3,462 |
| Net operating income to assets | 0.3774% | 5,026 |
| Return on assets (ROA) | 0.4141% | 4,974 |
| Pretax return on assets | 0.6085% | 4,784 |
| Return on Equity (ROE) | 2.2161% | 5,301 |
| Retained earnings to average equity (ytd only) | 2.2161% | 4,351 |
| Net charge-offs to loans | 0.0327% | 2,541 |
| Credit loss provision to net charge-offs | 100.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | 21.5938% | 1,745 |
| Efficiency ratio | 82.5461% | 952 |
| Assets per employee ($millions) | 4.1764% | 3,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4742% | 5,543 |
| Loan loss allowance to noncurrent loans | 22.9860% | 5,074 |
| Noncurrent assets plus other real estate owned to assets | 1.8198% | 757 |
| Noncurrent loans to loans | 2.0631% | 810 |
| Net loans and leases to total assets | 82.2557% | 631 |
| Net loans and leases to deposits | 139.3260% | 24 |
| Net loans and leases to core deposits | 141.8925% | 176 |
| Total domestic deposits to total assets | 59.0383% | 5,707 |
| Equity capital to assets | 18.7495% | 278 |
| Core capital (leverage) ratio | 13.4327% | 1,015 |
| Tier 1 risk-based capital ratio | 22.0664% | 1,047 |
| Total risk-based capital ratio | 22.7498% | 1,093 |
| Memoranda: | ||
| Average total assets | $237,646,000 | 2,616 |
| Average earning assets | $208,175,330 | 2,719 |
| Average equity | $44,403,000 | 1,690 |
| Average total loans | $195,795,330 | 2,207 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1924% | 2,301 |
| Cost of funding earning assets | 0.5676% | 1,602 |
| Net interest margin | 3.6248% | 2,800 |
| Noninterest income to average assets | 0.1752% | 5,228 |
| Noninterest expense to average assets | 2.7864% | 2,837 |
| Loan and lease loss provision to assets | 0.0539% | 2,723 |
| Net operating income to assets | 0.3462% | 5,082 |
| Return on assets (ROA) | 0.4195% | 4,914 |
| Pretax return on assets | 0.6166% | 4,693 |
| Return on Equity (ROE) | 2.2489% | 5,294 |
| Retained earnings to average equity (ytd only) | 2.2489% | 4,240 |
| Net charge-offs to loans | 0.0655% | 1,675 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 10.4375% | 1,939 |
| Efficiency ratio | 83.1992% | 1,045 |
| Assets per employee ($millions) | 4.3416% | 3,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4745% | 5,616 |
| Loan loss allowance to noncurrent loans | 22.8452% | 5,157 |
| Noncurrent assets plus other real estate owned to assets | 1.7869% | 798 |
| Noncurrent loans to loans | 2.0770% | 845 |
| Net loans and leases to total assets | 81.9544% | 571 |
| Net loans and leases to deposits | 139.9522% | 18 |
| Net loans and leases to core deposits | 142.2803% | 154 |
| Total domestic deposits to total assets | 58.5588% | 5,779 |
| Equity capital to assets | 18.5867% | 270 |
| Core capital (leverage) ratio | 13.4186% | 997 |
| Tier 1 risk-based capital ratio | 21.9039% | 1,094 |
| Total risk-based capital ratio | 22.5880% | 1,150 |
| Memoranda: | ||
| Average total assets | $237,442,000 | 2,641 |
| Average earning assets | $207,899,500 | 2,749 |
| Average equity | $44,287,500 | 1,703 |
| Average total loans | $195,320,000 | 2,222 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3047% | 2,123 |
| Cost of funding earning assets | 0.4952% | 2,121 |
| Net interest margin | 3.8095% | 2,288 |
| Noninterest income to average assets | 0.2148% | 5,129 |
| Noninterest expense to average assets | 2.7758% | 3,102 |
| Loan and lease loss provision to assets | 0.0104% | 4,169 |
| Net operating income to assets | 0.5043% | 4,614 |
| Return on assets (ROA) | 0.5043% | 4,688 |
| Pretax return on assets | 0.7437% | 4,361 |
| Return on Equity (ROE) | 2.6023% | 5,266 |
| Retained earnings to average equity (ytd only) | -0.8793% | 5,430 |
| Net charge-offs to loans | 0.0333% | 3,359 |
| Credit loss provision to net charge-offs | 38.0952% | 3,513 |
| Earnings coverage of net charge-offs (x) | 27.7460% | 1,501 |
| Efficiency ratio | 78.6386% | 1,603 |
| Assets per employee ($millions) | 4.3721% | 3,328 |
| Cash dividends to net income (ytd only)* | 133.7896% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4809% | 5,674 |
| Loan loss allowance to noncurrent loans | 20.7749% | 5,227 |
| Noncurrent assets plus other real estate owned to assets | 1.9772% | 702 |
| Noncurrent loans to loans | 2.3148% | 711 |
| Net loans and leases to total assets | 81.7789% | 634 |
| Net loans and leases to deposits | 139.1489% | 24 |
| Net loans and leases to core deposits | 141.0652% | 160 |
| Total domestic deposits to total assets | 58.7708% | 5,834 |
| Equity capital to assets | 18.7179% | 259 |
| Core capital (leverage) ratio | 13.4356% | 992 |
| Tier 1 risk-based capital ratio | 21.8827% | 1,097 |
| Total risk-based capital ratio | 22.6053% | 1,141 |
| Memoranda: | ||
| Average total assets | $231,824,600 | 2,646 |
| Average earning assets | $201,732,600 | 2,770 |
| Average equity | $44,921,800 | 1,666 |
| Average total loans | $188,974,400 | 2,219 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3284% | 2,085 |
| Cost of funding earning assets | 0.4921% | 2,153 |
| Net interest margin | 3.8363% | 2,204 |
| Noninterest income to average assets | 0.2253% | 5,121 |
| Noninterest expense to average assets | 2.7936% | 3,028 |
| Loan and lease loss provision to assets | 0.0139% | 3,976 |
| Net operating income to assets | 0.5090% | 4,664 |
| Return on assets (ROA) | 0.5090% | 4,763 |
| Pretax return on assets | 0.7511% | 4,468 |
| Return on Equity (ROE) | 2.6043% | 5,329 |
| Retained earnings to average equity (ytd only) | 2.6043% | 4,352 |
| Net charge-offs to loans | 0.0369% | 2,888 |
| Credit loss provision to net charge-offs | 46.1538% | 3,084 |
| Earnings coverage of net charge-offs (x) | 25.4621% | 1,633 |
| Efficiency ratio | 78.5030% | 1,617 |
| Assets per employee ($millions) | 4.2343% | 3,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4979% | 5,730 |
| Loan loss allowance to noncurrent loans | 17.2420% | 5,344 |
| Noncurrent assets plus other real estate owned to assets | 2.4699% | 555 |
| Noncurrent loans to loans | 2.8875% | 543 |
| Net loans and leases to total assets | 81.0120% | 754 |
| Net loans and leases to deposits | 127.7631% | 56 |
| Net loans and leases to core deposits | 129.6384% | 307 |
| Total domestic deposits to total assets | 63.4080% | 5,855 |
| Equity capital to assets | 19.4436% | 244 |
| Core capital (leverage) ratio | 14.2454% | 782 |
| Tier 1 risk-based capital ratio | 22.7221% | 1,043 |
| Total risk-based capital ratio | 23.4323% | 1,096 |
| Memoranda: | ||
| Average total assets | $230,757,000 | 2,665 |
| Average earning assets | $200,498,250 | 2,797 |
| Average equity | $45,104,250 | 1,672 |
| Average total loans | $187,715,750 | 2,230 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3677% | 1,921 |
| Cost of funding earning assets | 0.4966% | 2,128 |
| Net interest margin | 3.8710% | 2,080 |
| Noninterest income to average assets | 0.1826% | 5,402 |
| Noninterest expense to average assets | 2.7646% | 3,151 |
| Loan and lease loss provision to assets | 0.0209% | 3,720 |
| Net operating income to assets | 0.5138% | 4,619 |
| Return on assets (ROA) | 0.5138% | 4,734 |
| Pretax return on assets | 0.7581% | 4,428 |
| Return on Equity (ROE) | 2.6240% | 5,359 |
| Retained earnings to average equity (ytd only) | 2.6240% | 4,228 |
| Net charge-offs to loans | 0.0556% | 2,401 |
| Credit loss provision to net charge-offs | 46.1538% | 2,708 |
| Earnings coverage of net charge-offs (x) | 17.2308% | 1,885 |
| Efficiency ratio | 78.0177% | 1,790 |
| Assets per employee ($millions) | 4.0127% | 3,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5086% | 5,793 |
| Loan loss allowance to noncurrent loans | 22.4068% | 5,389 |
| Noncurrent assets plus other real estate owned to assets | 2.0724% | 770 |
| Noncurrent loans to loans | 2.2698% | 812 |
| Net loans and leases to total assets | 80.7399% | 791 |
| Net loans and leases to deposits | 123.1396% | 85 |
| Net loans and leases to core deposits | 124.9171% | 394 |
| Total domestic deposits to total assets | 65.5678% | 5,899 |
| Equity capital to assets | 19.6684% | 230 |
| Core capital (leverage) ratio | 14.1889% | 777 |
| Tier 1 risk-based capital ratio | 22.7766% | 1,041 |
| Total risk-based capital ratio | 23.4977% | 1,095 |
| Memoranda: | ||
| Average total assets | $230,048,000 | 2,678 |
| Average earning assets | $199,741,000 | 2,816 |
| Average equity | $45,045,330 | 1,676 |
| Average total loans | $187,085,000 | 2,243 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3889% | 1,837 |
| Cost of funding earning assets | 0.5032% | 2,083 |
| Net interest margin | 3.8857% | 1,978 |
| Noninterest income to average assets | 0.0139% | 6,045 |
| Noninterest expense to average assets | 2.8295% | 2,959 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3814% | 5,051 |
| Return on assets (ROA) | 0.3814% | 5,121 |
| Pretax return on assets | 0.5583% | 4,930 |
| Return on Equity (ROE) | 1.9523% | 5,510 |
| Retained earnings to average equity (ytd only) | 1.9523% | 4,473 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5210% | 1,202 |
| Assets per employee ($millions) | 4.1532% | 3,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5233% | 5,841 |
| Loan loss allowance to noncurrent loans | 26.0940% | 5,365 |
| Noncurrent assets plus other real estate owned to assets | 2.0847% | 819 |
| Noncurrent loans to loans | 2.0053% | 1,071 |
| Net loans and leases to total assets | 80.8932% | 704 |
| Net loans and leases to deposits | 123.7838% | 70 |
| Net loans and leases to core deposits | 125.5773% | 343 |
| Total domestic deposits to total assets | 65.3504% | 5,978 |
| Equity capital to assets | 19.5235% | 234 |
| Core capital (leverage) ratio | 13.8917% | 840 |
| Tier 1 risk-based capital ratio | 22.6339% | 1,069 |
| Total risk-based capital ratio | 23.3761% | 1,124 |
| Memoranda: | ||
| Average total assets | $230,711,000 | 2,688 |
| Average earning assets | $200,322,000 | 2,817 |
| Average equity | $45,075,000 | 1,672 |
| Average total loans | $187,820,500 | 2,230 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6326% | 1,254 |
| Cost of funding earning assets | 0.4792% | 2,359 |
| Net interest margin | 4.1534% | 1,272 |
| Noninterest income to average assets | 0.2217% | 5,271 |
| Noninterest expense to average assets | 2.5867% | 3,971 |
| Loan and lease loss provision to assets | 0.0039% | 4,318 |
| Net operating income to assets | 0.8672% | 3,034 |
| Return on assets (ROA) | 0.8672% | 3,110 |
| Pretax return on assets | 1.2366% | 2,515 |
| Return on Equity (ROE) | 4.2854% | 4,816 |
| Retained earnings to average equity (ytd only) | -3.5959% | 5,854 |
| Net charge-offs to loans | 0.0048% | 4,281 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 317.1111% | 223 |
| Efficiency ratio | 67.5866% | 3,645 |
| Assets per employee ($millions) | 4.3147% | 3,360 |
| Cash dividends to net income (ytd only)* | 183.9098% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5119% | 5,911 |
| Loan loss allowance to noncurrent loans | 25.7552% | 5,399 |
| Noncurrent assets plus other real estate owned to assets | 2.0318% | 858 |
| Noncurrent loans to loans | 1.9875% | 1,054 |
| Net loans and leases to total assets | 81.0811% | 698 |
| Net loans and leases to deposits | 131.6279% | 41 |
| Net loans and leases to core deposits | 133.6108% | 223 |
| Total domestic deposits to total assets | 61.5987% | 6,074 |
| Equity capital to assets | 19.5511% | 222 |
| Core capital (leverage) ratio | 14.2464% | 767 |
| Tier 1 risk-based capital ratio | 22.6319% | 1,062 |
| Total risk-based capital ratio | 23.3535% | 1,106 |
| Memoranda: | ||
| Average total assets | $230,063,200 | 2,664 |
| Average earning assets | $199,716,400 | 2,781 |
| Average equity | $46,553,400 | 1,589 |
| Average total loans | $188,184,800 | 2,174 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6658% | 1,164 |
| Cost of funding earning assets | 0.4872% | 2,341 |
| Net interest margin | 4.1787% | 1,216 |
| Noninterest income to average assets | 0.2105% | 5,390 |
| Noninterest expense to average assets | 2.5488% | 4,051 |
| Loan and lease loss provision to assets | 0.0052% | 4,160 |
| Net operating income to assets | 0.9099% | 2,915 |
| Return on assets (ROA) | 0.9099% | 3,007 |
| Pretax return on assets | 1.2820% | 2,465 |
| Return on Equity (ROE) | 4.4582% | 4,850 |
| Retained earnings to average equity (ytd only) | -0.1339% | 5,625 |
| Net charge-offs to loans | 0.0064% | 3,949 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | 245.9942% | 289 |
| Efficiency ratio | 66.4444% | 3,812 |
| Assets per employee ($millions) | 4.3590% | 3,233 |
| Cash dividends to net income (ytd only)* | 103.0034% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5128% | 6,007 |
| Loan loss allowance to noncurrent loans | 23.5294% | 5,532 |
| Noncurrent assets plus other real estate owned to assets | 2.2348% | 840 |
| Noncurrent loans to loans | 2.1795% | 1,020 |
| Net loans and leases to total assets | 81.6215% | 623 |
| Net loans and leases to deposits | 121.4791% | 88 |
| Net loans and leases to core deposits | 123.7797% | 385 |
| Total domestic deposits to total assets | 67.1897% | 6,062 |
| Equity capital to assets | 20.4272% | 214 |
| Core capital (leverage) ratio | 15.1632% | 608 |
| Tier 1 risk-based capital ratio | 24.3036% | 914 |
| Total risk-based capital ratio | 25.0458% | 953 |
| Memoranda: | ||
| Average total assets | $229,330,250 | 2,687 |
| Average earning assets | $198,974,500 | 2,812 |
| Average equity | $46,803,500 | 1,588 |
| Average total loans | $187,759,250 | 2,193 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7159% | 1,040 |
| Cost of funding earning assets | 0.4961% | 2,283 |
| Net interest margin | 4.2198% | 1,070 |
| Noninterest income to average assets | 0.1941% | 5,518 |
| Noninterest expense to average assets | 2.5126% | 4,201 |
| Loan and lease loss provision to assets | 0.0079% | 3,950 |
| Net operating income to assets | 0.8926% | 2,919 |
| Return on assets (ROA) | 0.8926% | 3,045 |
| Pretax return on assets | 1.3324% | 2,236 |
| Return on Equity (ROE) | 4.3750% | 4,872 |
| Retained earnings to average equity (ytd only) | -2.5325% | 5,871 |
| Net charge-offs to loans | 0.0096% | 3,570 |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | 170.3333% | 388 |
| Efficiency ratio | 65.2144% | 4,146 |
| Assets per employee ($millions) | 4.0926% | 3,697 |
| Cash dividends to net income (ytd only)* | 157.8844% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5178% | 6,073 |
| Loan loss allowance to noncurrent loans | 22.4844% | 5,645 |
| Noncurrent assets plus other real estate owned to assets | 2.3679% | 836 |
| Noncurrent loans to loans | 2.3031% | 1,022 |
| Net loans and leases to total assets | 81.4768% | 610 |
| Net loans and leases to deposits | 119.2250% | 104 |
| Net loans and leases to core deposits | 121.4592% | 430 |
| Total domestic deposits to total assets | 68.3387% | 6,102 |
| Equity capital to assets | 20.3540% | 209 |
| Core capital (leverage) ratio | 14.8537% | 648 |
| Tier 1 risk-based capital ratio | 25.0693% | 857 |
| Total risk-based capital ratio | 25.8478% | 885 |
| Memoranda: | ||
| Average total assets | $228,765,330 | 2,710 |
| Average earning assets | $198,348,330 | 2,837 |
| Average equity | $46,674,000 | 1,600 |
| Average total loans | $187,166,330 | 2,208 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8399% | 788 |
| Cost of funding earning assets | 0.5171% | 2,135 |
| Net interest margin | 4.3228% | 838 |
| Noninterest income to average assets | 0.1540% | 5,820 |
| Noninterest expense to average assets | 2.5639% | 4,052 |
| Loan and lease loss provision to assets | 0.0105% | 3,589 |
| Net operating income to assets | 0.8873% | 2,809 |
| Return on assets (ROA) | 0.8873% | 2,933 |
| Pretax return on assets | 1.3249% | 2,179 |
| Return on Equity (ROE) | 4.3439% | 4,825 |
| Retained earnings to average equity (ytd only) | -9.4674% | 6,122 |
| Net charge-offs to loans | 0.0128% | 2,930 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 127.1667% | 409 |
| Efficiency ratio | 65.7540% | 4,199 |
| Assets per employee ($millions) | 4.1601% | 3,636 |
| Cash dividends to net income (ytd only)* | 317.9487% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5185% | 6,154 |
| Loan loss allowance to noncurrent loans | 25.4584% | 5,640 |
| Noncurrent assets plus other real estate owned to assets | 2.4409% | 890 |
| Noncurrent loans to loans | 2.0368% | 1,281 |
| Net loans and leases to total assets | 81.4995% | 516 |
| Net loans and leases to deposits | 116.0450% | 134 |
| Net loans and leases to core deposits | 118.1605% | 452 |
| Total domestic deposits to total assets | 70.2310% | 6,119 |
| Equity capital to assets | 20.1639% | 219 |
| Core capital (leverage) ratio | 14.7016% | 652 |
| Tier 1 risk-based capital ratio | 24.5190% | 939 |
| Total risk-based capital ratio | 25.2936% | 975 |
| Memoranda: | ||
| Average total assets | $228,554,000 | 2,734 |
| Average earning assets | $198,019,000 | 2,857 |
| Average equity | $46,686,500 | 1,604 |
| Average total loans | $186,896,000 | 2,216 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7302% | 1,238 |
| Cost of funding earning assets | 0.4539% | 3,132 |
| Net interest margin | 4.2764% | 1,097 |
| Noninterest income to average assets | 0.2574% | 5,289 |
| Noninterest expense to average assets | 2.6818% | 3,931 |
| Loan and lease loss provision to assets | 0.0988% | 2,509 |
| Net operating income to assets | 0.7853% | 3,445 |
| Return on assets (ROA) | 0.7853% | 3,538 |
| Pretax return on assets | 1.1927% | 2,683 |
| Return on Equity (ROE) | 3.9130% | 5,148 |
| Retained earnings to average equity (ytd only) | 3.9130% | 3,426 |
| Net charge-offs to loans | 0.0616% | 3,611 |
| Credit loss provision to net charge-offs | 198.2609% | 1,245 |
| Earnings coverage of net charge-offs (x) | 25.9130% | 1,485 |
| Efficiency ratio | 67.4956% | 3,985 |
| Assets per employee ($millions) | 4.1510% | 3,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5216% | 6,231 |
| Loan loss allowance to noncurrent loans | 20.3305% | 5,826 |
| Noncurrent assets plus other real estate owned to assets | 2.8782% | 733 |
| Noncurrent loans to loans | 2.5657% | 980 |
| Net loans and leases to total assets | 81.1960% | 610 |
| Net loans and leases to deposits | 121.1707% | 91 |
| Net loans and leases to core deposits | 123.5573% | 331 |
| Total domestic deposits to total assets | 67.0096% | 6,299 |
| Equity capital to assets | 20.6905% | 195 |
| Core capital (leverage) ratio | 15.2882% | 564 |
| Tier 1 risk-based capital ratio | 26.5245% | 720 |
| Total risk-based capital ratio | 27.3133% | 745 |
| Memoranda: | ||
| Average total assets | $230,739,000 | 2,690 |
| Average earning assets | $200,498,000 | 2,803 |
| Average equity | $46,307,400 | 1,549 |
| Average total loans | $186,644,800 | 2,148 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7166% | 1,271 |
| Cost of funding earning assets | 0.4536% | 3,202 |
| Net interest margin | 4.2630% | 1,124 |
| Noninterest income to average assets | 0.2086% | 5,685 |
| Noninterest expense to average assets | 2.7421% | 3,661 |
| Loan and lease loss provision to assets | 0.0236% | 3,932 |
| Net operating income to assets | 0.7509% | 3,666 |
| Return on assets (ROA) | 0.7509% | 3,762 |
| Pretax return on assets | 1.1480% | 2,997 |
| Return on Equity (ROE) | 3.7706% | 5,260 |
| Retained earnings to average equity (ytd only) | 3.7706% | 3,972 |
| Net charge-offs to loans | 0.0114% | 4,337 |
| Credit loss provision to net charge-offs | 256.2500% | 1,033 |
| Earnings coverage of net charge-offs (x) | 127.0792% | 471 |
| Efficiency ratio | 70.0633% | 3,495 |
| Assets per employee ($millions) | 4.0301% | 3,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4816% | 6,356 |
| Loan loss allowance to noncurrent loans | 15.0931% | 5,992 |
| Noncurrent assets plus other real estate owned to assets | 3.1814% | 710 |
| Noncurrent loans to loans | 3.1911% | 797 |
| Net loans and leases to total assets | 80.9354% | 617 |
| Net loans and leases to deposits | 110.4374% | 208 |
| Net loans and leases to core deposits | 112.3433% | 646 |
| Total domestic deposits to total assets | 73.2862% | 6,073 |
| Equity capital to assets | 20.7094% | 202 |
| Core capital (leverage) ratio | 15.2367% | 587 |
| Tier 1 risk-based capital ratio | 26.3760% | 755 |
| Total risk-based capital ratio | 27.1007% | 780 |
| Memoranda: | ||
| Average total assets | $231,348,000 | 2,701 |
| Average earning assets | $201,072,750 | 2,815 |
| Average equity | $46,075,000 | 1,568 |
| Average total loans | $186,719,750 | 2,160 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6620% | 1,369 |
| Cost of funding earning assets | 0.4605% | 3,208 |
| Net interest margin | 4.2015% | 1,239 |
| Noninterest income to average assets | 0.1758% | 5,896 |
| Noninterest expense to average assets | 2.7612% | 3,656 |
| Loan and lease loss provision to assets | 0.0352% | 3,586 |
| Net operating income to assets | 0.6654% | 4,017 |
| Return on assets (ROA) | 0.6654% | 4,119 |
| Pretax return on assets | 1.0333% | 3,347 |
| Return on Equity (ROE) | 3.3847% | 5,391 |
| Retained earnings to average equity (ytd only) | 3.3847% | 4,049 |
| Net charge-offs to loans | 0.0170% | 3,881 |
| Credit loss provision to net charge-offs | 256.2500% | 973 |
| Earnings coverage of net charge-offs (x) | 77.8750% | 677 |
| Efficiency ratio | 72.1003% | 3,314 |
| Assets per employee ($millions) | 4.0867% | 3,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4779% | 6,438 |
| Loan loss allowance to noncurrent loans | 13.9037% | 6,058 |
| Noncurrent assets plus other real estate owned to assets | 3.3676% | 711 |
| Noncurrent loans to loans | 3.4373% | 782 |
| Net loans and leases to total assets | 80.4374% | 635 |
| Net loans and leases to deposits | 110.6639% | 194 |
| Net loans and leases to core deposits | 112.7329% | 578 |
| Total domestic deposits to total assets | 72.6862% | 6,204 |
| Equity capital to assets | 20.2019% | 207 |
| Core capital (leverage) ratio | 14.7650% | 643 |
| Tier 1 risk-based capital ratio | 25.7165% | 803 |
| Total risk-based capital ratio | 26.4349% | 837 |
| Memoranda: | ||
| Average total assets | $233,235,670 | 2,698 |
| Average earning assets | $202,830,670 | 2,806 |
| Average equity | $45,854,000 | 1,565 |
| Average total loans | $187,778,670 | 2,149 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6667% | 1,332 |
| Cost of funding earning assets | 0.4708% | 3,223 |
| Net interest margin | 4.1959% | 1,234 |
| Noninterest income to average assets | 0.2158% | 5,628 |
| Noninterest expense to average assets | 2.6420% | 4,142 |
| Loan and lease loss provision to assets | 0.0340% | 3,373 |
| Net operating income to assets | 0.7289% | 3,550 |
| Return on assets (ROA) | 0.7289% | 3,630 |
| Pretax return on assets | 1.1893% | 2,531 |
| Return on Equity (ROE) | 3.7578% | 5,149 |
| Retained earnings to average equity (ytd only) | 3.7578% | 3,873 |
| Net charge-offs to loans | 0.0127% | 3,351 |
| Credit loss provision to net charge-offs | 333.3333% | 740 |
| Earnings coverage of net charge-offs (x) | 120.0000% | 398 |
| Efficiency ratio | 68.3516% | 4,121 |
| Assets per employee ($millions) | 4.2740% | 3,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4650% | 6,526 |
| Loan loss allowance to noncurrent loans | 19.7288% | 6,084 |
| Noncurrent assets plus other real estate owned to assets | 2.5950% | 1,203 |
| Noncurrent loans to loans | 2.3568% | 1,494 |
| Net loans and leases to total assets | 79.5008% | 605 |
| Net loans and leases to deposits | 108.8898% | 170 |
| Net loans and leases to core deposits | 111.0391% | 551 |
| Total domestic deposits to total assets | 73.0104% | 6,307 |
| Equity capital to assets | 19.5212% | 235 |
| Core capital (leverage) ratio | 14.1872% | 761 |
| Tier 1 risk-based capital ratio | 25.0014% | 887 |
| Total risk-based capital ratio | 25.6989% | 929 |
| Memoranda: | ||
| Average total assets | $235,426,000 | 2,688 |
| Average earning assets | $204,769,500 | 2,800 |
| Average equity | $45,664,500 | 1,566 |
| Average total loans | $189,183,500 | 2,140 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2279% | 601 |
| Cost of funding earning assets | 0.6015% | 2,641 |
| Net interest margin | 4.6264% | 578 |
| Noninterest income to average assets | 0.7383% | 2,340 |
| Noninterest expense to average assets | 2.7112% | 4,052 |
| Loan and lease loss provision to assets | 0.2108% | 1,749 |
| Net operating income to assets | 1.3751% | 1,075 |
| Return on assets (ROA) | 1.3751% | 1,115 |
| Pretax return on assets | 1.8187% | 723 |
| Return on Equity (ROE) | 7.0416% | 3,542 |
| Retained earnings to average equity (ytd only) | 2.9110% | 4,172 |
| Net charge-offs to loans | 0.1529% | 3,277 |
| Credit loss provision to net charge-offs | 173.7037% | 1,316 |
| Earnings coverage of net charge-offs (x) | 16.7259% | 1,776 |
| Efficiency ratio | 57.1903% | 5,830 |
| Assets per employee ($millions) | 4.3664% | 3,151 |
| Cash dividends to net income (ytd only)* | 58.6601% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4507% | 6,607 |
| Loan loss allowance to noncurrent loans | 20.7238% | 6,159 |
| Noncurrent assets plus other real estate owned to assets | 2.4480% | 1,416 |
| Noncurrent loans to loans | 2.1746% | 1,803 |
| Net loans and leases to total assets | 80.4779% | 544 |
| Net loans and leases to deposits | 115.4678% | 104 |
| Net loans and leases to core deposits | 117.4693% | 379 |
| Total domestic deposits to total assets | 69.6973% | 6,532 |
| Equity capital to assets | 19.2723% | 245 |
| Core capital (leverage) ratio | 13.9484% | 834 |
| Tier 1 risk-based capital ratio | 24.4634% | 906 |
| Total risk-based capital ratio | 25.1443% | 954 |
| Memoranda: | ||
| Average total assets | $222,525,400 | 2,786 |
| Average earning assets | $192,504,000 | 2,921 |
| Average equity | $43,455,800 | 1,611 |
| Average total loans | $176,642,000 | 2,230 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3204% | 512 |
| Cost of funding earning assets | 0.6163% | 2,678 |
| Net interest margin | 4.7041% | 511 |
| Noninterest income to average assets | 0.9087% | 1,725 |
| Noninterest expense to average assets | 2.7522% | 3,822 |
| Loan and lease loss provision to assets | 0.1855% | 1,963 |
| Net operating income to assets | 1.5565% | 817 |
| Return on assets (ROA) | 1.5565% | 864 |
| Pretax return on assets | 2.0376% | 533 |
| Return on Equity (ROE) | 7.9422% | 3,149 |
| Retained earnings to average equity (ytd only) | 7.9422% | 1,429 |
| Net charge-offs to loans | 0.1178% | 3,370 |
| Credit loss provision to net charge-offs | 199.3464% | 1,217 |
| Earnings coverage of net charge-offs (x) | 23.8895% | 1,449 |
| Efficiency ratio | 55.3178% | 5,991 |
| Assets per employee ($millions) | 4.4471% | 2,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4218% | 6,709 |
| Loan loss allowance to noncurrent loans | 16.8116% | 6,300 |
| Noncurrent assets plus other real estate owned to assets | 2.5351% | 1,510 |
| Noncurrent loans to loans | 2.5091% | 1,727 |
| Net loans and leases to total assets | 79.8234% | 567 |
| Net loans and leases to deposits | 109.1597% | 165 |
| Net loans and leases to core deposits | 111.3292% | 527 |
| Total domestic deposits to total assets | 73.1253% | 6,427 |
| Equity capital to assets | 19.4483% | 232 |
| Core capital (leverage) ratio | 14.2515% | 804 |
| Tier 1 risk-based capital ratio | 25.4857% | 835 |
| Total risk-based capital ratio | 26.1292% | 875 |
| Memoranda: | ||
| Average total assets | $219,210,750 | 2,839 |
| Average earning assets | $189,503,750 | 2,980 |
| Average equity | $42,959,500 | 1,641 |
| Average total loans | $173,149,250 | 2,276 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7062% | 276 |
| Cost of funding earning assets | 0.6230% | 2,745 |
| Net interest margin | 5.0832% | 269 |
| Noninterest income to average assets | 1.2646% | 965 |
| Noninterest expense to average assets | 2.8629% | 3,465 |
| Loan and lease loss provision to assets | 0.0942% | 3,218 |
| Net operating income to assets | 2.0958% | 304 |
| Return on assets (ROA) | 2.0958% | 319 |
| Pretax return on assets | 2.6904% | 209 |
| Return on Equity (ROE) | 10.6638% | 1,941 |
| Retained earnings to average equity (ytd only) | 10.6638% | 709 |
| Net charge-offs to loans | 0.0144% | 4,561 |
| Credit loss provision to net charge-offs | 833.3333% | 363 |
| Earnings coverage of net charge-offs (x) | 246.2500% | 212 |
| Efficiency ratio | 50.6925% | 6,375 |
| Assets per employee ($millions) | 4.5704% | 2,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3852% | 6,782 |
| Loan loss allowance to noncurrent loans | 15.5316% | 6,371 |
| Noncurrent assets plus other real estate owned to assets | 2.3343% | 1,844 |
| Noncurrent loans to loans | 2.4802% | 1,876 |
| Net loans and leases to total assets | 78.3747% | 705 |
| Net loans and leases to deposits | 109.2651% | 156 |
| Net loans and leases to core deposits | 111.4144% | 506 |
| Total domestic deposits to total assets | 71.7289% | 6,574 |
| Equity capital to assets | 18.8065% | 265 |
| Core capital (leverage) ratio | 13.7181% | 908 |
| Tier 1 risk-based capital ratio | 24.6216% | 918 |
| Total risk-based capital ratio | 25.1995% | 985 |
| Memoranda: | ||
| Average total assets | $212,233,000 | 2,935 |
| Average earning assets | $182,994,000 | 3,077 |
| Average equity | $41,711,330 | 1,696 |
| Average total loans | $166,698,000 | 2,346 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3107% | 111 |
| Cost of funding earning assets | 0.6932% | 2,278 |
| Net interest margin | 5.6175% | 108 |
| Noninterest income to average assets | 2.2016% | 381 |
| Noninterest expense to average assets | 3.1208% | 2,613 |
| Loan and lease loss provision to assets | 0.1826% | 2,022 |
| Net operating income to assets | 3.1270% | 96 |
| Return on assets (ROA) | 3.1270% | 102 |
| Pretax return on assets | 3.7036% | 101 |
| Return on Equity (ROE) | 15.4880% | 678 |
| Retained earnings to average equity (ytd only) | 15.4880% | 316 |
| Net charge-offs to loans | 0.0131% | 3,886 |
| Credit loss provision to net charge-offs | 1,780.0000% | 183 |
| Earnings coverage of net charge-offs (x) | 378.8000% | 94 |
| Efficiency ratio | 44.5388% | 6,749 |
| Assets per employee ($millions) | 4.6828% | 2,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3740% | 6,865 |
| Loan loss allowance to noncurrent loans | 13.4030% | 6,463 |
| Noncurrent assets plus other real estate owned to assets | 2.6263% | 1,735 |
| Noncurrent loans to loans | 2.7902% | 1,816 |
| Net loans and leases to total assets | 78.3813% | 574 |
| Net loans and leases to deposits | 108.1411% | 157 |
| Net loans and leases to core deposits | 110.3446% | 489 |
| Total domestic deposits to total assets | 72.4806% | 6,635 |
| Equity capital to assets | 18.0592% | 330 |
| Core capital (leverage) ratio | 13.0639% | 1,091 |
| Tier 1 risk-based capital ratio | 23.4567% | 1,087 |
| Total risk-based capital ratio | 24.0171% | 1,174 |
| Memoranda: | ||
| Average total assets | $194,948,000 | 3,159 |
| Average earning assets | $166,764,000 | 3,328 |
| Average equity | $39,359,500 | 1,801 |
| Average total loans | $152,957,500 | 2,539 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9120% | 1,799 |
| Cost of funding earning assets | 0.8783% | 2,080 |
| Net interest margin | 4.0337% | 2,257 |
| Noninterest income to average assets | 0.3263% | 5,123 |
| Noninterest expense to average assets | 2.0568% | 6,218 |
| Loan and lease loss provision to assets | 0.2025% | 3,115 |
| Net operating income to assets | 0.9206% | 2,706 |
| Return on assets (ROA) | 0.9206% | 2,947 |
| Pretax return on assets | 1.3620% | 2,169 |
| Return on Equity (ROE) | 3.7444% | 5,253 |
| Retained earnings to average equity (ytd only) | -1.0694% | 6,029 |
| Net charge-offs to loans | 0.0757% | 4,925 |
| Credit loss provision to net charge-offs | 339.0244% | 720 |
| Earnings coverage of net charge-offs (x) | 26.1951% | 1,108 |
| Efficiency ratio | 56.3556% | 6,024 |
| Assets per employee ($millions) | 5.0751% | 2,134 |
| Cash dividends to net income (ytd only)* | 128.5601% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6170% | 6,737 |
| Loan loss allowance to noncurrent loans | 115.3846% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 1.0545% | 3,920 |
| Noncurrent loans to loans | 0.5347% | 5,188 |
| Net loans and leases to total assets | 77.5825% | 721 |
| Net loans and leases to deposits | 149.9337% | 23 |
| Net loans and leases to core deposits | 150.4941% | 103 |
| Total domestic deposits to total assets | 51.7445% | 7,009 |
| Equity capital to assets | 24.1215% | 108 |
| Core capital (leverage) ratio | 15.1226% | 551 |
| Tier 1 risk-based capital ratio | 27.3694% | 666 |
| Total risk-based capital ratio | 28.3445% | 672 |
| Memoranda: | ||
| Average total assets | $137,302,200 | 4,000 |
| Average earning assets | $112,153,800 | 4,287 |
| Average equity | $33,756,800 | 2,043 |
| Average total loans | $108,375,400 | 3,326 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9209% | 1,937 |
| Cost of funding earning assets | 0.9129% | 2,086 |
| Net interest margin | 4.0081% | 2,472 |
| Noninterest income to average assets | 0.3038% | 5,354 |
| Noninterest expense to average assets | 2.0547% | 6,259 |
| Loan and lease loss provision to assets | -0.0029% | 6,944 |
| Net operating income to assets | 1.0278% | 2,370 |
| Return on assets (ROA) | 1.0278% | 2,593 |
| Pretax return on assets | 1.5248% | 1,791 |
| Return on Equity (ROE) | 4.1611% | 5,224 |
| Retained earnings to average equity (ytd only) | 4.1611% | 3,969 |
| Net charge-offs to loans | 0.0245% | 5,325 |
| Credit loss provision to net charge-offs | -15.0000% | 6,111 |
| Earnings coverage of net charge-offs (x) | 78.3881% | 527 |
| Efficiency ratio | 56.8521% | 5,938 |
| Assets per employee ($millions) | 5.0831% | 2,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4122% | 7,003 |
| Loan loss allowance to noncurrent loans | 91.8750% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 0.9858% | 4,312 |
| Noncurrent loans to loans | 0.4487% | 5,550 |
| Net loans and leases to total assets | 77.6254% | 774 |
| Net loans and leases to deposits | 127.2281% | 53 |
| Net loans and leases to core deposits | 127.6290% | 212 |
| Total domestic deposits to total assets | 61.0128% | 7,053 |
| Equity capital to assets | 25.1179% | 105 |
| Core capital (leverage) ratio | 16.2528% | 450 |
| Tier 1 risk-based capital ratio | 29.4970% | 554 |
| Total risk-based capital ratio | 30.1492% | 585 |
| Memoranda: | ||
| Average total assets | $137,371,000 | 4,037 |
| Average earning assets | $112,171,000 | 4,339 |
| Average equity | $33,932,750 | 2,053 |
| Average total loans | $108,727,000 | 3,349 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9138% | 2,049 |
| Cost of funding earning assets | 0.9307% | 2,179 |
| Net interest margin | 3.9831% | 2,578 |
| Noninterest income to average assets | 0.2576% | 5,734 |
| Noninterest expense to average assets | 2.0784% | 6,265 |
| Loan and lease loss provision to assets | 0.0146% | 5,477 |
| Net operating income to assets | 0.9562% | 2,632 |
| Return on assets (ROA) | 0.9562% | 2,884 |
| Pretax return on assets | 1.4162% | 2,143 |
| Return on Equity (ROE) | 3.8930% | 5,313 |
| Retained earnings to average equity (ytd only) | 3.8930% | 4,023 |
| Net charge-offs to loans | 0.0366% | 4,868 |
| Credit loss provision to net charge-offs | 50.0000% | 4,034 |
| Earnings coverage of net charge-offs (x) | 49.1500% | 741 |
| Efficiency ratio | 58.3161% | 5,829 |
| Assets per employee ($millions) | 5.1026% | 2,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4171% | 7,075 |
| Loan loss allowance to noncurrent loans | 106.5728% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 0.9429% | 4,485 |
| Noncurrent loans to loans | 0.3914% | 5,754 |
| Net loans and leases to total assets | 78.6711% | 654 |
| Net loans and leases to deposits | 131.6690% | 40 |
| Net loans and leases to core deposits | 132.0911% | 203 |
| Total domestic deposits to total assets | 59.7491% | 7,135 |
| Equity capital to assets | 24.7302% | 104 |
| Core capital (leverage) ratio | 15.8573% | 479 |
| Tier 1 risk-based capital ratio | 28.0879% | 635 |
| Total risk-based capital ratio | 28.7404% | 672 |
| Memoranda: | ||
| Average total assets | $137,413,000 | 4,049 |
| Average earning assets | $112,175,000 | 4,360 |
| Average equity | $33,752,670 | 2,051 |
| Average total loans | $109,310,000 | 3,355 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1559% | 1,414 |
| Cost of funding earning assets | 0.9790% | 2,110 |
| Net interest margin | 4.1769% | 1,828 |
| Noninterest income to average assets | 0.2478% | 5,870 |
| Noninterest expense to average assets | 2.0928% | 6,283 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0522% | 2,278 |
| Return on assets (ROA) | 1.0522% | 2,468 |
| Pretax return on assets | 1.5623% | 1,699 |
| Return on Equity (ROE) | 4.2985% | 5,141 |
| Retained earnings to average equity (ytd only) | 4.2985% | 4,010 |
| Net charge-offs to loans | 0.0730% | 3,768 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 26.8000% | 996 |
| Efficiency ratio | 55.5024% | 6,183 |
| Assets per employee ($millions) | 5.0657% | 2,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4071% | 7,131 |
| Loan loss allowance to noncurrent loans | 87.4016% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 1.0653% | 4,363 |
| Noncurrent loans to loans | 0.4658% | 5,744 |
| Net loans and leases to total assets | 79.4144% | 462 |
| Net loans and leases to deposits | 129.2468% | 47 |
| Net loans and leases to core deposits | 130.0390% | 202 |
| Total domestic deposits to total assets | 61.4440% | 7,177 |
| Equity capital to assets | 24.6931% | 101 |
| Core capital (leverage) ratio | 15.7422% | 498 |
| Tier 1 risk-based capital ratio | 27.9592% | 647 |
| Total risk-based capital ratio | 28.6042% | 679 |
| Memoranda: | ||
| Average total assets | $137,234,000 | 4,086 |
| Average earning assets | $111,950,000 | 4,386 |
| Average equity | $33,593,500 | 2,063 |
| Average total loans | $109,545,000 | 3,361 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1428% | 2,276 |
| Cost of funding earning assets | 1.1964% | 2,055 |
| Net interest margin | 3.9465% | 3,128 |
| Noninterest income to average assets | 0.2440% | 5,797 |
| Noninterest expense to average assets | 2.0612% | 6,562 |
| Loan and lease loss provision to assets | 0.4509% | 2,346 |
| Net operating income to assets | 0.6577% | 3,702 |
| Return on assets (ROA) | 0.6577% | 3,890 |
| Pretax return on assets | 0.9640% | 3,377 |
| Return on Equity (ROE) | 2.7865% | 5,368 |
| Retained earnings to average equity (ytd only) | 1.6404% | 5,038 |
| Net charge-offs to loans | 0.3274% | 3,756 |
| Credit loss provision to net charge-offs | 175.0000% | 1,505 |
| Earnings coverage of net charge-offs (x) | 5.4917% | 2,775 |
| Efficiency ratio | 56.5781% | 6,237 |
| Assets per employee ($millions) | 5.5077% | 1,630 |
| Cash dividends to net income (ytd only)* | 41.1317% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4217% | 7,153 |
| Loan loss allowance to noncurrent loans | 85.7671% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 1.0821% | 4,452 |
| Noncurrent loans to loans | 0.4917% | 5,728 |
| Net loans and leases to total assets | 79.5705% | 538 |
| Net loans and leases to deposits | 153.3036% | 27 |
| Net loans and leases to core deposits | 153.8677% | 124 |
| Total domestic deposits to total assets | 51.9039% | 7,279 |
| Equity capital to assets | 24.2663% | 112 |
| Core capital (leverage) ratio | 15.3261% | 553 |
| Tier 1 risk-based capital ratio | 27.2864% | 690 |
| Total risk-based capital ratio | 27.9572% | 706 |
| Memoranda: | ||
| Average total assets | $139,726,600 | 3,981 |
| Average earning assets | $114,431,000 | 4,274 |
| Average equity | $32,980,600 | 2,022 |
| Average total loans | $109,968,400 | 3,386 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1330% | 2,461 |
| Cost of funding earning assets | 1.2426% | 2,044 |
| Net interest margin | 3.8903% | 3,428 |
| Noninterest income to average assets | 0.2424% | 5,889 |
| Noninterest expense to average assets | 2.0489% | 6,596 |
| Loan and lease loss provision to assets | 0.5628% | 1,744 |
| Net operating income to assets | 0.5619% | 4,262 |
| Return on assets (ROA) | 0.5619% | 4,431 |
| Pretax return on assets | 0.8186% | 4,057 |
| Return on Equity (ROE) | 2.3971% | 5,654 |
| Retained earnings to average equity (ytd only) | 0.8639% | 5,664 |
| Net charge-offs to loans | 0.4365% | 2,976 |
| Credit loss provision to net charge-offs | 164.4444% | 1,854 |
| Earnings coverage of net charge-offs (x) | 4.0361% | 3,203 |
| Efficiency ratio | 56.9845% | 6,148 |
| Assets per employee ($millions) | 5.4666% | 1,635 |
| Cash dividends to net income (ytd only)* | 63.9597% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3887% | 7,239 |
| Loan loss allowance to noncurrent loans | 88.7500% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 1.0321% | 4,693 |
| Noncurrent loans to loans | 0.4380% | 5,968 |
| Net loans and leases to total assets | 76.7997% | 869 |
| Net loans and leases to deposits | 121.3341% | 80 |
| Net loans and leases to core deposits | 122.0299% | 337 |
| Total domestic deposits to total assets | 63.2961% | 7,257 |
| Equity capital to assets | 23.2784% | 139 |
| Core capital (leverage) ratio | 14.5140% | 768 |
| Tier 1 risk-based capital ratio | 26.6970% | 761 |
| Total risk-based capital ratio | 27.3113% | 810 |
| Memoranda: | ||
| Average total assets | $140,235,000 | 3,989 |
| Average earning assets | $114,914,250 | 4,284 |
| Average equity | $32,872,500 | 2,020 |
| Average total loans | $109,953,750 | 3,412 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1826% | 2,334 |
| Cost of funding earning assets | 1.2904% | 2,002 |
| Net interest margin | 3.8922% | 3,355 |
| Noninterest income to average assets | 0.2679% | 5,731 |
| Noninterest expense to average assets | 2.0716% | 6,650 |
| Loan and lease loss provision to assets | 0.8481% | 1,065 |
| Net operating income to assets | 0.3739% | 5,060 |
| Return on assets (ROA) | 0.3739% | 5,207 |
| Pretax return on assets | 0.5329% | 4,959 |
| Return on Equity (ROE) | 1.5914% | 5,913 |
| Retained earnings to average equity (ytd only) | -0.7134% | 5,999 |
| Net charge-offs to loans | 0.6777% | 2,143 |
| Credit loss provision to net charge-offs | 158.7131% | 1,919 |
| Earnings coverage of net charge-offs (x) | 2.5845% | 3,535 |
| Efficiency ratio | 57.2614% | 6,262 |
| Assets per employee ($millions) | 5.5648% | 1,509 |
| Cash dividends to net income (ytd only)* | 144.8276% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3772% | 7,306 |
| Loan loss allowance to noncurrent loans | 99.0408% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 1.4980% | 3,955 |
| Noncurrent loans to loans | 0.3809% | 6,141 |
| Net loans and leases to total assets | 78.3956% | 719 |
| Net loans and leases to deposits | 125.3163% | 73 |
| Net loans and leases to core deposits | 126.0579% | 312 |
| Total domestic deposits to total assets | 62.5582% | 7,340 |
| Equity capital to assets | 23.5451% | 144 |
| Core capital (leverage) ratio | 14.5781% | 749 |
| Tier 1 risk-based capital ratio | 26.3788% | 774 |
| Total risk-based capital ratio | 26.9790% | 814 |
| Memoranda: | ||
| Average total assets | $139,602,670 | 4,033 |
| Average earning assets | $114,228,330 | 4,327 |
| Average equity | $32,801,330 | 2,013 |
| Average total loans | $110,077,330 | 3,452 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1752% | 2,322 |
| Cost of funding earning assets | 1.2973% | 2,190 |
| Net interest margin | 3.8779% | 3,257 |
| Noninterest income to average assets | 0.2345% | 6,036 |
| Noninterest expense to average assets | 2.1195% | 6,590 |
| Loan and lease loss provision to assets | 1.6933% | 354 |
| Net operating income to assets | -0.2803% | 6,639 |
| Return on assets (ROA) | -0.2803% | 6,655 |
| Pretax return on assets | -0.3976% | 6,682 |
| Return on Equity (ROE) | -1.1942% | 6,510 |
| Retained earnings to average equity (ytd only) | -1.1942% | 6,025 |
| Net charge-offs to loans | 1.3517% | 1,026 |
| Credit loss provision to net charge-offs | 158.7131% | 1,808 |
| Earnings coverage of net charge-offs (x) | 1.2145% | 3,755 |
| Efficiency ratio | 59.2965% | 6,080 |
| Assets per employee ($millions) | 5.1755% | 1,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3665% | 7,364 |
| Loan loss allowance to noncurrent loans | 43.0720% | 5,432 |
| Noncurrent assets plus other real estate owned to assets | 1.5472% | 3,928 |
| Noncurrent loans to loans | 0.8510% | 5,344 |
| Net loans and leases to total assets | 78.0046% | 727 |
| Net loans and leases to deposits | 125.2810% | 71 |
| Net loans and leases to core deposits | 126.0357% | 313 |
| Total domestic deposits to total assets | 62.2637% | 7,399 |
| Equity capital to assets | 23.4546% | 137 |
| Core capital (leverage) ratio | 14.4987% | 740 |
| Tier 1 risk-based capital ratio | 26.4295% | 746 |
| Total risk-based capital ratio | 27.0139% | 785 |
| Memoranda: | ||
| Average total assets | $139,844,000 | 4,068 |
| Average earning assets | $114,701,500 | 4,329 |
| Average equity | $32,824,000 | 1,998 |
| Average total loans | $110,377,500 | 3,478 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2348% | 3,437 |
| Cost of funding earning assets | 2.0199% | 567 |
| Net interest margin | 3.2149% | 6,233 |
| Noninterest income to average assets | 0.2660% | 5,886 |
| Noninterest expense to average assets | 1.9632% | 7,079 |
| Loan and lease loss provision to assets | 0.0288% | 6,839 |
| Net operating income to assets | 0.6272% | 3,549 |
| Return on assets (ROA) | 0.6272% | 3,714 |
| Pretax return on assets | 0.9178% | 3,209 |
| Return on Equity (ROE) | 2.6784% | 5,095 |
| Retained earnings to average equity (ytd only) | 2.0935% | 4,416 |
| Net charge-offs to loans | 0.0154% | 6,670 |
| Credit loss provision to net charge-offs | 235.2941% | 1,242 |
| Earnings coverage of net charge-offs (x) | 77.2353% | 316 |
| Efficiency ratio | 64.1972% | 5,313 |
| Assets per employee ($millions) | 5.5980% | 1,498 |
| Cash dividends to net income (ytd only)* | 21.8391% | 3,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1634% | 7,538 |
| Loan loss allowance to noncurrent loans | 7.1908% | 7,110 |
| Noncurrent assets plus other real estate owned to assets | 1.9321% | 3,433 |
| Noncurrent loans to loans | 2.2730% | 3,246 |
| Net loans and leases to total assets | 79.4355% | 739 |
| Net loans and leases to deposits | 148.6627% | 36 |
| Net loans and leases to core deposits | 149.7037% | 177 |
| Total domestic deposits to total assets | 53.4334% | 7,552 |
| Equity capital to assets | 23.4891% | 149 |
| Core capital (leverage) ratio | 14.5299% | 744 |
| Tier 1 risk-based capital ratio | 26.4307% | 718 |
| Total risk-based capital ratio | 26.6949% | 782 |
| Memoranda: | ||
| Average total assets | $138,702,400 | 4,078 |
| Average earning assets | $114,064,000 | 4,374 |
| Average equity | $32,482,000 | 2,022 |
| Average total loans | $110,676,000 | 3,529 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2222% | 3,723 |
| Cost of funding earning assets | 2.2021% | 380 |
| Net interest margin | 3.0201% | 6,789 |
| Noninterest income to average assets | 0.2418% | 6,161 |
| Noninterest expense to average assets | 1.9702% | 7,097 |
| Loan and lease loss provision to assets | 0.0270% | 6,799 |
| Net operating income to assets | 0.5019% | 4,307 |
| Return on assets (ROA) | 0.5019% | 4,496 |
| Pretax return on assets | 0.7274% | 4,154 |
| Return on Equity (ROE) | 2.1450% | 5,557 |
| Retained earnings to average equity (ytd only) | 1.3628% | 5,265 |
| Net charge-offs to loans | 0.0084% | 6,544 |
| Credit loss provision to net charge-offs | 400.0000% | 754 |
| Earnings coverage of net charge-offs (x) | 111.8939% | 282 |
| Efficiency ratio | 68.8119% | 4,309 |
| Assets per employee ($millions) | 5.6647% | 1,492 |
| Cash dividends to net income (ytd only)* | 36.4687% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1609% | 7,652 |
| Loan loss allowance to noncurrent loans | 5.9761% | 7,228 |
| Noncurrent assets plus other real estate owned to assets | 2.2448% | 3,142 |
| Noncurrent loans to loans | 2.6929% | 2,940 |
| Net loans and leases to total assets | 78.8537% | 912 |
| Net loans and leases to deposits | 133.5730% | 63 |
| Net loans and leases to core deposits | 134.9042% | 314 |
| Total domestic deposits to total assets | 59.0342% | 7,606 |
| Equity capital to assets | 22.9667% | 169 |
| Core capital (leverage) ratio | 14.0418% | 913 |
| Tier 1 risk-based capital ratio | 25.4823% | 823 |
| Total risk-based capital ratio | 25.7397% | 879 |
| Memoranda: | ||
| Average total assets | $138,390,500 | 4,139 |
| Average earning assets | $113,767,000 | 4,434 |
| Average equity | $32,384,250 | 2,046 |
| Average total loans | $110,507,000 | 3,595 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2916% | 3,505 |
| Cost of funding earning assets | 2.4043% | 235 |
| Net interest margin | 2.8873% | 7,022 |
| Noninterest income to average assets | 0.2403% | 6,187 |
| Noninterest expense to average assets | 1.9677% | 7,158 |
| Loan and lease loss provision to assets | 0.0044% | 6,835 |
| Net operating income to assets | 0.4428% | 4,574 |
| Return on assets (ROA) | 0.4428% | 4,728 |
| Pretax return on assets | 0.6365% | 4,448 |
| Return on Equity (ROE) | 1.8802% | 5,666 |
| Retained earnings to average equity (ytd only) | 0.7051% | 5,481 |
| Net charge-offs to loans | 0.0109% | 6,195 |
| Credit loss provision to net charge-offs | 50.0000% | 5,413 |
| Earnings coverage of net charge-offs (x) | 73.3333% | 433 |
| Efficiency ratio | 71.7476% | 3,859 |
| Assets per employee ($millions) | 5.5467% | 1,578 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1404% | 7,727 |
| Loan loss allowance to noncurrent loans | 4.8538% | 7,309 |
| Noncurrent assets plus other real estate owned to assets | 2.3279% | 3,105 |
| Noncurrent loans to loans | 2.8931% | 2,762 |
| Net loans and leases to total assets | 79.9997% | 801 |
| Net loans and leases to deposits | 138.3579% | 52 |
| Net loans and leases to core deposits | 139.7928% | 289 |
| Total domestic deposits to total assets | 57.8208% | 7,687 |
| Equity capital to assets | 23.2981% | 165 |
| Core capital (leverage) ratio | 14.1779% | 886 |
| Tier 1 risk-based capital ratio | 25.9015% | 771 |
| Total risk-based capital ratio | 26.1314% | 837 |
| Memoranda: | ||
| Average total assets | $137,314,670 | 4,189 |
| Average earning assets | $112,630,330 | 4,491 |
| Average equity | $32,337,330 | 2,044 |
| Average total loans | $110,059,000 | 3,634 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4481% | 2,827 |
| Cost of funding earning assets | 2.5167% | 218 |
| Net interest margin | 2.9314% | 6,967 |
| Noninterest income to average assets | 0.2342% | 6,279 |
| Noninterest expense to average assets | 1.9204% | 7,301 |
| Loan and lease loss provision to assets | 0.0176% | 6,461 |
| Net operating income to assets | 0.4772% | 4,505 |
| Return on assets (ROA) | 0.4772% | 4,634 |
| Pretax return on assets | 0.6967% | 4,246 |
| Return on Equity (ROE) | 2.0153% | 5,757 |
| Retained earnings to average equity (ytd only) | 2.0153% | 4,925 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2222% | 4,466 |
| Assets per employee ($millions) | 5.4751% | 1,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1494% | 7,824 |
| Loan loss allowance to noncurrent loans | 13.2106% | 7,261 |
| Noncurrent assets plus other real estate owned to assets | 0.9534% | 5,244 |
| Noncurrent loans to loans | 1.1308% | 5,103 |
| Net loans and leases to total assets | 80.5703% | 760 |
| Net loans and leases to deposits | 143.8918% | 48 |
| Net loans and leases to core deposits | 145.9368% | 269 |
| Total domestic deposits to total assets | 55.9937% | 7,797 |
| Equity capital to assets | 23.6963% | 170 |
| Core capital (leverage) ratio | 14.4681% | 858 |
| Tier 1 risk-based capital ratio | 26.3589% | 748 |
| Total risk-based capital ratio | 26.6051% | 807 |
| Memoranda: | ||
| Average total assets | $136,638,000 | 4,258 |
| Average earning assets | $111,892,500 | 4,565 |
| Average equity | $32,352,500 | 2,076 |
| Average total loans | $109,543,500 | 3,691 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5787% | 3,708 |
| Cost of funding earning assets | 2.8951% | 313 |
| Net interest margin | 2.6836% | 7,232 |
| Noninterest income to average assets | 0.2077% | 6,619 |
| Noninterest expense to average assets | 1.8407% | 7,571 |
| Loan and lease loss provision to assets | 0.3779% | 4,519 |
| Net operating income to assets | 0.1314% | 5,107 |
| Return on assets (ROA) | 0.1451% | 5,132 |
| Pretax return on assets | 0.1855% | 5,039 |
| Return on Equity (ROE) | 0.5866% | 5,361 |
| Retained earnings to average equity (ytd only) | -0.9324% | 5,237 |
| Net charge-offs to loans | 0.4589% | 3,947 |
| Credit loss provision to net charge-offs | 103.7736% | 5,321 |
| Earnings coverage of net charge-offs (x) | 1.4990% | 4,624 |
| Efficiency ratio | 72.9047% | 4,115 |
| Assets per employee ($millions) | 5.4559% | 1,690 |
| Cash dividends to net income (ytd only)* | 258.9474% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1464% | 7,898 |
| Loan loss allowance to noncurrent loans | 13.9842% | 7,286 |
| Noncurrent assets plus other real estate owned to assets | 0.8746% | 5,363 |
| Noncurrent loans to loans | 1.0466% | 5,225 |
| Net loans and leases to total assets | 79.5320% | 1,082 |
| Net loans and leases to deposits | 148.1826% | 45 |
| Net loans and leases to core deposits | 179.9005% | 165 |
| Total domestic deposits to total assets | 53.6716% | 7,882 |
| Equity capital to assets | 23.6587% | 194 |
| Core capital (leverage) ratio | 14.3676% | 913 |
| Tier 1 risk-based capital ratio | 26.0393% | 760 |
| Total risk-based capital ratio | 26.2763% | 819 |
| Memoranda: | ||
| Average total assets | $130,981,800 | 4,315 |
| Average earning assets | $106,350,400 | 4,670 |
| Average equity | $32,391,200 | 2,069 |
| Average total loans | $103,936,200 | 3,842 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6524% | 3,560 |
| Cost of funding earning assets | 2.9925% | 338 |
| Net interest margin | 2.6599% | 7,278 |
| Noninterest income to average assets | 0.1965% | 6,810 |
| Noninterest expense to average assets | 1.8432% | 7,619 |
| Loan and lease loss provision to assets | 0.4906% | 3,451 |
| Net operating income to assets | 0.0257% | 5,658 |
| Return on assets (ROA) | 0.0494% | 5,641 |
| Pretax return on assets | 0.0411% | 5,625 |
| Return on Equity (ROE) | 0.1974% | 5,714 |
| Retained earnings to average equity (ytd only) | -1.8259% | 5,685 |
| Net charge-offs to loans | 0.5968% | 2,889 |
| Credit loss provision to net charge-offs | 103.6957% | 4,907 |
| Earnings coverage of net charge-offs (x) | 1.0739% | 4,981 |
| Efficiency ratio | 74.0595% | 3,855 |
| Assets per employee ($millions) | 5.2553% | 1,833 |
| Cash dividends to net income (ytd only)* | 1,024.9688% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1504% | 7,990 |
| Loan loss allowance to noncurrent loans | 14.1704% | 7,358 |
| Noncurrent assets plus other real estate owned to assets | 0.8814% | 5,317 |
| Noncurrent loans to loans | 1.0614% | 5,194 |
| Net loans and leases to total assets | 79.8361% | 1,202 |
| Net loans and leases to deposits | 147.4804% | 57 |
| Net loans and leases to core deposits | 176.0950% | 214 |
| Total domestic deposits to total assets | 54.1333% | 7,950 |
| Equity capital to assets | 24.4529% | 183 |
| Core capital (leverage) ratio | 14.8395% | 887 |
| Tier 1 risk-based capital ratio | 26.8023% | 763 |
| Total risk-based capital ratio | 27.0472% | 816 |
| Memoranda: | ||
| Average total assets | $129,627,750 | 4,378 |
| Average earning assets | $105,015,250 | 4,737 |
| Average equity | $32,421,500 | 2,083 |
| Average total loans | $102,760,500 | 3,913 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6893% | 3,603 |
| Cost of funding earning assets | 3.0464% | 414 |
| Net interest margin | 2.6429% | 7,307 |
| Noninterest income to average assets | 0.1689% | 7,081 |
| Noninterest expense to average assets | 1.8490% | 7,684 |
| Loan and lease loss provision to assets | 0.0062% | 7,129 |
| Net operating income to assets | 0.3207% | 4,809 |
| Return on assets (ROA) | 0.3456% | 4,812 |
| Pretax return on assets | 0.4913% | 4,651 |
| Return on Equity (ROE) | 1.3715% | 5,511 |
| Retained earnings to average equity (ytd only) | -1.6544% | 5,661 |
| Net charge-offs to loans | 0.0235% | 6,161 |
| Credit loss provision to net charge-offs | 33.3333% | 5,985 |
| Earnings coverage of net charge-offs (x) | 24.8333% | 1,140 |
| Efficiency ratio | 75.5869% | 3,772 |
| Assets per employee ($millions) | 5.2179% | 1,841 |
| Cash dividends to net income (ytd only)* | 220.6278% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1280% | 8,089 |
| Loan loss allowance to noncurrent loans | 7.2052% | 7,529 |
| Noncurrent assets plus other real estate owned to assets | 1.4512% | 4,070 |
| Noncurrent loans to loans | 1.7759% | 3,839 |
| Net loans and leases to total assets | 78.9809% | 1,527 |
| Net loans and leases to deposits | 154.3876% | 52 |
| Net loans and leases to core deposits | 186.4576% | 172 |
| Total domestic deposits to total assets | 51.1575% | 8,051 |
| Equity capital to assets | 24.7631% | 207 |
| Core capital (leverage) ratio | 15.0876% | 903 |
| Tier 1 risk-based capital ratio | 27.3079% | 760 |
| Total risk-based capital ratio | 27.5146% | 810 |
| Memoranda: | ||
| Average total assets | $129,042,670 | 4,415 |
| Average earning assets | $104,582,330 | 4,769 |
| Average equity | $32,519,670 | 2,089 |
| Average total loans | $101,997,670 | 3,965 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7982% | 3,316 |
| Cost of funding earning assets | 3.0606% | 508 |
| Net interest margin | 2.7376% | 7,127 |
| Noninterest income to average assets | 0.1340% | 7,335 |
| Noninterest expense to average assets | 1.8731% | 7,602 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3363% | 5,134 |
| Return on assets (ROA) | 0.3865% | 5,090 |
| Pretax return on assets | 0.5517% | 4,910 |
| Return on Equity (ROE) | 1.5202% | 5,954 |
| Retained earnings to average equity (ytd only) | 1.5202% | 5,001 |
| Net charge-offs to loans | 0.0237% | 5,226 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 25.6667% | 1,199 |
| Efficiency ratio | 75.2318% | 3,614 |
| Assets per employee ($millions) | 5.0126% | 2,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1357% | 8,142 |
| Loan loss allowance to noncurrent loans | 13.8716% | 7,437 |
| Noncurrent assets plus other real estate owned to assets | 0.8195% | 5,132 |
| Noncurrent loans to loans | 0.9785% | 5,038 |
| Net loans and leases to total assets | 78.6720% | 1,650 |
| Net loans and leases to deposits | 161.3456% | 50 |
| Net loans and leases to core deposits | 199.2462% | 145 |
| Total domestic deposits to total assets | 48.7599% | 8,106 |
| Equity capital to assets | 26.0897% | 199 |
| Core capital (leverage) ratio | 16.1187% | 767 |
| Tier 1 risk-based capital ratio | 29.1751% | 678 |
| Total risk-based capital ratio | 29.3948% | 729 |
| Memoranda: | ||
| Average total assets | $128,340,000 | 4,445 |
| Average earning assets | $104,031,500 | 4,802 |
| Average equity | $32,628,000 | 2,078 |
| Average total loans | $101,416,000 | 3,994 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8994% | 6,037 |
| Cost of funding earning assets | 3.2178% | 1,135 |
| Net interest margin | 2.6816% | 7,532 |
| Noninterest income to average assets | 0.1339% | 7,439 |
| Noninterest expense to average assets | 1.6273% | 7,938 |
| Loan and lease loss provision to assets | 0.0051% | 7,295 |
| Net operating income to assets | 0.4882% | 4,795 |
| Return on assets (ROA) | 0.5072% | 4,545 |
| Pretax return on assets | 0.7366% | 4,283 |
| Return on Equity (ROE) | 2.1758% | 5,554 |
| Retained earnings to average equity (ytd only) | 2.1758% | 3,870 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4203% | 5,235 |
| Assets per employee ($millions) | 5.2546% | 1,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1345% | 8,201 |
| Loan loss allowance to noncurrent loans | 13.2827% | 7,443 |
| Noncurrent assets plus other real estate owned to assets | 0.8023% | 4,849 |
| Noncurrent loans to loans | 1.0124% | 4,558 |
| Net loans and leases to total assets | 79.1460% | 1,847 |
| Net loans and leases to deposits | 178.1057% | 51 |
| Net loans and leases to core deposits | 216.7869% | 121 |
| Total domestic deposits to total assets | 44.4377% | 8,165 |
| Equity capital to assets | 24.7872% | 272 |
| Core capital (leverage) ratio | 15.1496% | 993 |
| Tier 1 risk-based capital ratio | 27.6821% | 776 |
| Total risk-based capital ratio | 27.9018% | 833 |
| Memoranda: | ||
| Average total assets | $138,207,800 | 4,115 |
| Average earning assets | $113,774,600 | 4,423 |
| Average equity | $32,217,400 | 2,100 |
| Average total loans | $112,162,200 | 3,634 |