Home > First Independence Bank > Performance and Condition Ratios
First Independence Bank, 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 | 5.3034% | 1,487 |
| Cost of funding earning assets | 2.1982% | 640 |
| Net interest margin | 3.1053% | 3,087 |
| Noninterest income to average assets | 5.3500% | 123 |
| Noninterest expense to average assets | 6.7170% | 149 |
| Loan and lease loss provision to assets | 0.5200% | 171 |
| Net operating income to assets | 0.6041% | 3,435 |
| Return on assets (ROA) | 0.3307% | 3,982 |
| Pretax return on assets | 0.4199% | 3,934 |
| Return on Equity (ROE) | 4.5200% | 3,810 |
| Retained earnings to average equity (ytd only) | 4.5199% | 2,783 |
| Net charge-offs to loans | 0.0750% | 1,113 |
| Credit loss provision to net charge-offs | 1,061.2403% | 392 |
| Earnings coverage of net charge-offs (x) | 26.4729% | 1,706 |
| Efficiency ratio | 84.6531% | 633 |
| Assets per employee ($millions) | 6.5996% | 2,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3600% | 1,545 |
| Loan loss allowance to noncurrent loans | 608.2450% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.1398% | 2,588 |
| Noncurrent loans to loans | 0.2236% | 2,428 |
| Net loans and leases to total assets | 61.6900% | 2,703 |
| Net loans and leases to deposits | 77.5587% | 2,311 |
| Net loans and leases to core deposits | 134.5293% | 341 |
| Total domestic deposits to total assets | 79.5400% | 3,529 |
| Equity capital to assets | 7.4801% | 3,732 |
| Core capital (leverage) ratio | 9.4817% | 3,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $560,879,200 | 1,580 |
| Average earning assets | $467,301,200 | 1,715 |
| Average equity | $41,040,800 | 1,850 |
| Average total loans | $344,068,000 | 1,632 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1472% | 1,546 |
| Cost of funding earning assets | 2.1437% | 553 |
| Net interest margin | 3.0034% | 3,336 |
| Noninterest income to average assets | 5.4600% | 120 |
| Noninterest expense to average assets | 6.8526% | 148 |
| Loan and lease loss provision to assets | 0.4200% | 190 |
| Net operating income to assets | 0.5971% | 3,552 |
| Return on assets (ROA) | 0.3097% | 4,111 |
| Pretax return on assets | 0.3976% | 4,064 |
| Return on Equity (ROE) | 4.2600% | 3,943 |
| Retained earnings to average equity (ytd only) | 4.2589% | 3,187 |
| Net charge-offs to loans | 0.1245% | 654 |
| Credit loss provision to net charge-offs | 507.9872% | 622 |
| Earnings coverage of net charge-offs (x) | 14.5751% | 1,994 |
| Efficiency ratio | 86.0889% | 516 |
| Assets per employee ($millions) | 6.4707% | 2,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0504% | 3,113 |
| Loan loss allowance to noncurrent loans | 320.2102% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.2056% | 2,237 |
| Noncurrent loans to loans | 0.3280% | 2,056 |
| Net loans and leases to total assets | 62.0000% | 2,656 |
| Net loans and leases to deposits | 77.9164% | 2,254 |
| Net loans and leases to core deposits | 98.5651% | 1,412 |
| Total domestic deposits to total assets | 79.5800% | 3,591 |
| Equity capital to assets | 7.0314% | 3,593 |
| Core capital (leverage) ratio | 9.7175% | 3,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $549,307,250 | 1,612 |
| Average earning assets | $457,508,750 | 1,742 |
| Average equity | $39,946,750 | 1,871 |
| Average total loans | $335,156,250 | 1,660 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9615% | 1,627 |
| Cost of funding earning assets | 1.9975% | 495 |
| Net interest margin | 2.9640% | 3,527 |
| Noninterest income to average assets | 5.5800% | 113 |
| Noninterest expense to average assets | 6.9516% | 149 |
| Loan and lease loss provision to assets | 0.6500% | 108 |
| Net operating income to assets | 0.4046% | 3,999 |
| Return on assets (ROA) | 0.1162% | 4,382 |
| Pretax return on assets | 0.1557% | 4,360 |
| Return on Equity (ROE) | 1.5800% | 4,316 |
| Retained earnings to average equity (ytd only) | 1.5782% | 3,811 |
| Net charge-offs to loans | -0.0068% | 3,798 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 86.4148% | 480 |
| Assets per employee ($millions) | 6.1195% | 2,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2105% | 2,388 |
| Loan loss allowance to noncurrent loans | 332.2556% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.2288% | 2,041 |
| Noncurrent loans to loans | 0.3643% | 1,835 |
| Net loans and leases to total assets | 62.0400% | 2,571 |
| Net loans and leases to deposits | 78.1601% | 2,117 |
| Net loans and leases to core deposits | 95.6268% | 1,483 |
| Total domestic deposits to total assets | 79.3700% | 3,672 |
| Equity capital to assets | 7.3109% | 3,626 |
| Core capital (leverage) ratio | 10.0040% | 2,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $531,818,000 | 1,662 |
| Average earning assets | $441,761,667 | 1,780 |
| Average equity | $39,158,000 | 1,906 |
| Average total loans | $321,178,333 | 1,699 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8287% | 1,556 |
| Cost of funding earning assets | 1.8913% | 375 |
| Net interest margin | 2.9374% | 3,726 |
| Noninterest income to average assets | 5.5900% | 122 |
| Noninterest expense to average assets | 7.0368% | 149 |
| Loan and lease loss provision to assets | 0.5000% | 150 |
| Net operating income to assets | 0.4244% | 4,050 |
| Return on assets (ROA) | 0.1594% | 4,366 |
| Pretax return on assets | 0.2098% | 4,331 |
| Return on Equity (ROE) | 2.1600% | 4,281 |
| Retained earnings to average equity (ytd only) | 2.1555% | 3,672 |
| Net charge-offs to loans | -0.0067% | 3,728 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 87.8472% | 424 |
| Assets per employee ($millions) | 6.8210% | 2,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0071% | 3,490 |
| Loan loss allowance to noncurrent loans | 322.0175% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 0.1889% | 2,201 |
| Noncurrent loans to loans | 0.3128% | 2,026 |
| Net loans and leases to total assets | 59.8000% | 2,678 |
| Net loans and leases to deposits | 75.4912% | 2,163 |
| Net loans and leases to core deposits | 78.3098% | 2,370 |
| Total domestic deposits to total assets | 79.2200% | 3,876 |
| Equity capital to assets | 6.9911% | 3,836 |
| Core capital (leverage) ratio | 10.0382% | 2,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $507,052,000 | 1,728 |
| Average earning assets | $417,917,500 | 1,871 |
| Average equity | $37,486,000 | 1,982 |
| Average total loans | $299,236,500 | 1,794 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9138% | 1,955 |
| Cost of funding earning assets | 0.9720% | 183 |
| Net interest margin | 2.9418% | 3,588 |
| Noninterest income to average assets | 6.2000% | 119 |
| Noninterest expense to average assets | 7.7041% | 139 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 0.6635% | 3,726 |
| Return on assets (ROA) | 0.2969% | 4,340 |
| Pretax return on assets | 0.3766% | 4,305 |
| Return on Equity (ROE) | 3.6500% | 4,213 |
| Retained earnings to average equity (ytd only) | 3.6540% | 3,517 |
| Net charge-offs to loans | -0.0092% | 3,800 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 89.6971% | 310 |
| Assets per employee ($millions) | 5.8553% | 2,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9980% | 3,403 |
| Loan loss allowance to noncurrent loans | 275.7451% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.2077% | 2,127 |
| Noncurrent loans to loans | 0.3619% | 1,839 |
| Net loans and leases to total assets | 56.8200% | 2,935 |
| Net loans and leases to deposits | 74.3239% | 2,232 |
| Net loans and leases to core deposits | 76.1106% | 2,411 |
| Total domestic deposits to total assets | 76.4400% | 4,227 |
| Equity capital to assets | 7.8610% | 3,146 |
| Core capital (leverage) ratio | 10.7919% | 1,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $440,831,200 | 1,886 |
| Average earning assets | $357,301,800 | 2,080 |
| Average equity | $35,823,600 | 2,079 |
| Average total loans | $228,055,600 | 2,067 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6382% | 2,231 |
| Cost of funding earning assets | 0.7539% | 195 |
| Net interest margin | 2.8843% | 3,531 |
| Noninterest income to average assets | 6.3300% | 119 |
| Noninterest expense to average assets | 7.7005% | 137 |
| Loan and lease loss provision to assets | 0.2300% | 365 |
| Net operating income to assets | 0.6600% | 3,667 |
| Return on assets (ROA) | 0.2827% | 4,358 |
| Pretax return on assets | 0.3586% | 4,323 |
| Return on Equity (ROE) | 3.4500% | 4,237 |
| Retained earnings to average equity (ytd only) | 3.4481% | 3,647 |
| Net charge-offs to loans | -0.0098% | 3,705 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 88.8503% | 357 |
| Assets per employee ($millions) | 5.8669% | 2,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0926% | 3,052 |
| Loan loss allowance to noncurrent loans | 301.3978% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.1981% | 2,282 |
| Noncurrent loans to loans | 0.3625% | 1,939 |
| Net loans and leases to total assets | 54.0600% | 3,095 |
| Net loans and leases to deposits | 69.7370% | 2,389 |
| Net loans and leases to core deposits | 71.1358% | 2,557 |
| Total domestic deposits to total assets | 77.5200% | 4,293 |
| Equity capital to assets | 6.8224% | 3,605 |
| Core capital (leverage) ratio | 9.8747% | 2,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $433,932,750 | 1,916 |
| Average earning assets | $351,591,500 | 2,118 |
| Average equity | $35,573,750 | 2,121 |
| Average total loans | $217,863,250 | 2,123 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4078% | 2,410 |
| Cost of funding earning assets | 0.6057% | 259 |
| Net interest margin | 2.8021% | 3,443 |
| Noninterest income to average assets | 6.3460% | 77 |
| Noninterest expense to average assets | 7.7815% | 96 |
| Loan and lease loss provision to assets | 0.2369% | 317 |
| Net operating income to assets | 0.5477% | 3,771 |
| Return on assets (ROA) | 0.1862% | 4,401 |
| Pretax return on assets | 0.2369% | 4,368 |
| Return on Equity (ROE) | 2.1383% | 4,339 |
| Retained earnings to average equity (ytd only) | 2.1383% | 3,715 |
| Net charge-offs to loans | -0.0098% | 3,589 |
| Credit loss provision to net charge-offs | -5,000.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3063% | 389 |
| Assets per employee ($millions) | 5.7219% | 3,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1145% | 3,108 |
| Loan loss allowance to noncurrent loans | 160.0880% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 0.3476% | 1,611 |
| Noncurrent loans to loans | 0.6962% | 1,240 |
| Net loans and leases to total assets | 49.3684% | 3,434 |
| Net loans and leases to deposits | 64.5176% | 2,676 |
| Net loans and leases to core deposits | 66.4648% | 2,785 |
| Total domestic deposits to total assets | 76.5194% | 4,437 |
| Equity capital to assets | 7.5561% | 3,430 |
| Core capital (leverage) ratio | 10.5814% | 1,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $422,127,333 | 1,970 |
| Average earning assets | $342,099,000 | 2,175 |
| Average equity | $36,758,000 | 2,123 |
| Average total loans | $204,970,667 | 2,203 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3255% | 2,308 |
| Cost of funding earning assets | 0.5669% | 328 |
| Net interest margin | 2.7586% | 3,255 |
| Noninterest income to average assets | 6.8194% | 78 |
| Noninterest expense to average assets | 8.0442% | 90 |
| Loan and lease loss provision to assets | 0.2473% | 264 |
| Net operating income to assets | 0.6856% | 3,107 |
| Return on assets (ROA) | 0.2661% | 4,177 |
| Pretax return on assets | 0.3374% | 4,135 |
| Return on Equity (ROE) | 2.8433% | 4,130 |
| Retained earnings to average equity (ytd only) | 2.8433% | 3,318 |
| Net charge-offs to loans | -0.0104% | 3,601 |
| Credit loss provision to net charge-offs | -5,000.0000% | 3,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9023% | 598 |
| Assets per employee ($millions) | 5.3556% | 3,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1571% | 3,068 |
| Loan loss allowance to noncurrent loans | 202.4735% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 0.2856% | 1,978 |
| Noncurrent loans to loans | 0.5715% | 1,615 |
| Net loans and leases to total assets | 49.4033% | 3,232 |
| Net loans and leases to deposits | 67.1002% | 2,233 |
| Net loans and leases to core deposits | 67.7513% | 2,477 |
| Total domestic deposits to total assets | 73.6261% | 4,586 |
| Equity capital to assets | 9.1513% | 2,572 |
| Core capital (leverage) ratio | 11.0763% | 1,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $404,315,000 | 2,037 |
| Average earning assets | $326,690,000 | 2,255 |
| Average equity | $37,843,000 | 2,136 |
| Average total loans | $193,190,000 | 2,278 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9628% | 1,448 |
| Cost of funding earning assets | 0.7717% | 231 |
| Net interest margin | 3.1911% | 2,619 |
| Noninterest income to average assets | 9.0728% | 69 |
| Noninterest expense to average assets | 9.4232% | 79 |
| Loan and lease loss provision to assets | 0.0152% | 2,775 |
| Net operating income to assets | 1.7781% | 534 |
| Return on assets (ROA) | 1.1888% | 2,025 |
| Pretax return on assets | 1.5052% | 1,704 |
| Return on Equity (ROE) | 13.6074% | 1,284 |
| Retained earnings to average equity (ytd only) | 13.6074% | 341 |
| Net charge-offs to loans | -0.0103% | 3,749 |
| Credit loss provision to net charge-offs | -317.6471% | 3,629 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7068% | 702 |
| Assets per employee ($millions) | 5.8072% | 2,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0818% | 3,431 |
| Loan loss allowance to noncurrent loans | 383.6158% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.1288% | 3,034 |
| Noncurrent loans to loans | 0.2820% | 2,591 |
| Net loans and leases to total assets | 45.1738% | 3,754 |
| Net loans and leases to deposits | 61.8378% | 2,896 |
| Net loans and leases to core deposits | 62.4853% | 3,119 |
| Total domestic deposits to total assets | 73.0521% | 4,616 |
| Equity capital to assets | 9.5602% | 3,091 |
| Core capital (leverage) ratio | 10.8379% | 1,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $355,822,200 | 2,169 |
| Average earning assets | $274,328,600 | 2,459 |
| Average equity | $31,086,000 | 2,465 |
| Average total loans | $165,212,800 | 2,509 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1637% | 1,161 |
| Cost of funding earning assets | 0.8026% | 239 |
| Net interest margin | 3.3611% | 2,265 |
| Noninterest income to average assets | 9.0959% | 73 |
| Noninterest expense to average assets | 9.4209% | 81 |
| Loan and lease loss provision to assets | -0.0758% | 4,538 |
| Net operating income to assets | 1.9459% | 509 |
| Return on assets (ROA) | 1.3290% | 1,793 |
| Pretax return on assets | 1.6829% | 1,447 |
| Return on Equity (ROE) | 15.6578% | 1,010 |
| Retained earnings to average equity (ytd only) | 15.6578% | 323 |
| Net charge-offs to loans | -0.0092% | 3,641 |
| Credit loss provision to net charge-offs | 1,763.6364% | 358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9007% | 703 |
| Assets per employee ($millions) | 6.0707% | 2,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1101% | 3,396 |
| Loan loss allowance to noncurrent loans | 1,142.9487% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.0384% | 3,899 |
| Noncurrent loans to loans | 0.0971% | 3,598 |
| Net loans and leases to total assets | 39.0507% | 4,250 |
| Net loans and leases to deposits | 54.6932% | 3,676 |
| Net loans and leases to core deposits | 56.2015% | 3,756 |
| Total domestic deposits to total assets | 71.3997% | 4,702 |
| Equity capital to assets | 8.7508% | 4,032 |
| Core capital (leverage) ratio | 10.2508% | 2,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $341,699,250 | 2,259 |
| Average earning assets | $259,156,000 | 2,573 |
| Average equity | $29,003,000 | 2,622 |
| Average total loans | $159,442,250 | 2,587 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4408% | 805 |
| Cost of funding earning assets | 0.7916% | 301 |
| Net interest margin | 3.6492% | 1,467 |
| Noninterest income to average assets | 8.3220% | 78 |
| Noninterest expense to average assets | 9.9669% | 70 |
| Loan and lease loss provision to assets | 0.0431% | 2,149 |
| Net operating income to assets | 0.9324% | 3,124 |
| Return on assets (ROA) | 0.4106% | 4,404 |
| Pretax return on assets | 0.5212% | 4,355 |
| Return on Equity (ROE) | 4.9018% | 4,142 |
| Retained earnings to average equity (ytd only) | 4.9018% | 3,220 |
| Net charge-offs to loans | -0.0075% | 3,563 |
| Credit loss provision to net charge-offs | -1,150.0000% | 3,693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1730% | 340 |
| Assets per employee ($millions) | 5.0562% | 3,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3476% | 2,205 |
| Loan loss allowance to noncurrent loans | 230.1015% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.2542% | 2,655 |
| Noncurrent loans to loans | 0.5856% | 1,936 |
| Net loans and leases to total assets | 42.8277% | 4,121 |
| Net loans and leases to deposits | 62.0637% | 3,192 |
| Net loans and leases to core deposits | 63.0699% | 3,371 |
| Total domestic deposits to total assets | 69.0062% | 4,779 |
| Equity capital to assets | 8.6741% | 4,072 |
| Core capital (leverage) ratio | 9.7618% | 2,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $320,019,000 | 2,358 |
| Average earning assets | $239,504,000 | 2,692 |
| Average equity | $26,806,333 | 2,758 |
| Average total loans | $159,050,333 | 2,608 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4489% | 846 |
| Cost of funding earning assets | 0.7796% | 391 |
| Net interest margin | 3.6693% | 1,401 |
| Noninterest income to average assets | 8.5802% | 80 |
| Noninterest expense to average assets | 9.7229% | 73 |
| Loan and lease loss provision to assets | 0.1689% | 738 |
| Net operating income to assets | 1.2605% | 1,944 |
| Return on assets (ROA) | 0.6833% | 3,816 |
| Pretax return on assets | 0.8652% | 3,682 |
| Return on Equity (ROE) | 8.3259% | 3,232 |
| Retained earnings to average equity (ytd only) | 8.3259% | 2,142 |
| Net charge-offs to loans | -0.0221% | 4,042 |
| Credit loss provision to net charge-offs | -1,433.3333% | 3,455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7836% | 517 |
| Assets per employee ($millions) | 4.9810% | 3,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2941% | 2,467 |
| Loan loss allowance to noncurrent loans | 395.6767% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.1643% | 3,344 |
| Noncurrent loans to loans | 0.3271% | 2,929 |
| Net loans and leases to total assets | 49.5914% | 3,669 |
| Net loans and leases to deposits | 69.2568% | 2,577 |
| Net loans and leases to core deposits | 70.9896% | 2,786 |
| Total domestic deposits to total assets | 71.6051% | 4,729 |
| Equity capital to assets | 8.2873% | 4,291 |
| Core capital (leverage) ratio | 9.6064% | 2,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $305,589,000 | 2,414 |
| Average earning assets | $229,362,000 | 2,753 |
| Average equity | $25,078,500 | 2,868 |
| Average total loans | $162,846,500 | 2,569 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2414% | 309 |
| Cost of funding earning assets | 1.0768% | 441 |
| Net interest margin | 4.1646% | 698 |
| Noninterest income to average assets | 9.0244% | 74 |
| Noninterest expense to average assets | 10.6952% | 70 |
| Loan and lease loss provision to assets | 0.3516% | 982 |
| Net operating income to assets | 0.8814% | 2,780 |
| Return on assets (ROA) | 0.4609% | 4,197 |
| Pretax return on assets | 0.5840% | 4,110 |
| Return on Equity (ROE) | 5.7541% | 3,657 |
| Retained earnings to average equity (ytd only) | 3.3401% | 3,157 |
| Net charge-offs to loans | 1.1851% | 103 |
| Credit loss provision to net charge-offs | 50.2513% | 3,146 |
| Earnings coverage of net charge-offs (x) | 1.9382% | 3,218 |
| Efficiency ratio | 88.7472% | 420 |
| Assets per employee ($millions) | 3.5927% | 4,614 |
| Cash dividends to net income (ytd only)* | 41.9527% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2059% | 2,911 |
| Loan loss allowance to noncurrent loans | 246.0576% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.2780% | 2,905 |
| Noncurrent loans to loans | 0.4901% | 2,498 |
| Net loans and leases to total assets | 56.0386% | 3,297 |
| Net loans and leases to deposits | 81.9743% | 1,665 |
| Net loans and leases to core deposits | 82.8915% | 2,127 |
| Total domestic deposits to total assets | 68.3612% | 4,807 |
| Equity capital to assets | 8.1158% | 4,657 |
| Core capital (leverage) ratio | 8.8106% | 3,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $284,418,600 | 2,375 |
| Average earning assets | $206,718,400 | 2,771 |
| Average equity | $22,783,800 | 2,953 |
| Average total loans | $167,918,800 | 2,501 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2562% | 373 |
| Cost of funding earning assets | 1.1238% | 489 |
| Net interest margin | 4.1324% | 841 |
| Noninterest income to average assets | 8.7720% | 74 |
| Noninterest expense to average assets | 10.7432% | 70 |
| Loan and lease loss provision to assets | 0.2351% | 1,732 |
| Net operating income to assets | 0.7168% | 3,406 |
| Return on assets (ROA) | 0.2745% | 4,529 |
| Pretax return on assets | 0.3483% | 4,493 |
| Return on Equity (ROE) | 3.4380% | 4,312 |
| Retained earnings to average equity (ytd only) | 0.2002% | 4,448 |
| Net charge-offs to loans | 1.5695% | 70 |
| Credit loss provision to net charge-offs | 25.1130% | 2,968 |
| Earnings coverage of net charge-offs (x) | 1.0959% | 3,096 |
| Efficiency ratio | 91.2856% | 333 |
| Assets per employee ($millions) | 4.2731% | 4,068 |
| Cash dividends to net income (ytd only)* | 94.1781% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8241% | 4,303 |
| Loan loss allowance to noncurrent loans | 262.5448% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.1920% | 3,475 |
| Noncurrent loans to loans | 0.3139% | 3,162 |
| Net loans and leases to total assets | 60.6731% | 3,142 |
| Net loans and leases to deposits | 88.6490% | 1,413 |
| Net loans and leases to core deposits | 94.7880% | 1,566 |
| Total domestic deposits to total assets | 68.4419% | 4,801 |
| Equity capital to assets | 7.7771% | 4,784 |
| Core capital (leverage) ratio | 8.5496% | 4,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $283,669,250 | 2,355 |
| Average earning assets | $205,718,250 | 2,763 |
| Average equity | $22,648,250 | 2,965 |
| Average total loans | $169,141,000 | 2,496 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4483% | 366 |
| Cost of funding earning assets | 1.2030% | 499 |
| Net interest margin | 4.2453% | 834 |
| Noninterest income to average assets | 8.9321% | 69 |
| Noninterest expense to average assets | 10.9309% | 67 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.9582% | 2,465 |
| Return on assets (ROA) | 0.4563% | 4,183 |
| Pretax return on assets | 0.5772% | 4,102 |
| Return on Equity (ROE) | 5.6651% | 3,612 |
| Retained earnings to average equity (ytd only) | 2.1355% | 3,700 |
| Net charge-offs to loans | 1.6516% | 80 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 1.1056% | 2,882 |
| Efficiency ratio | 91.0156% | 367 |
| Assets per employee ($millions) | 3.5350% | 4,640 |
| Cash dividends to net income (ytd only)* | 62.3053% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9495% | 3,802 |
| Loan loss allowance to noncurrent loans | 281.3499% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.1991% | 3,541 |
| Noncurrent loans to loans | 0.3375% | 3,183 |
| Net loans and leases to total assets | 58.4303% | 3,475 |
| Net loans and leases to deposits | 85.8453% | 1,784 |
| Net loans and leases to core deposits | 94.1346% | 1,724 |
| Total domestic deposits to total assets | 68.0647% | 4,839 |
| Equity capital to assets | 8.0693% | 4,683 |
| Core capital (leverage) ratio | 9.0607% | 3,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $281,368,333 | 2,352 |
| Average earning assets | $203,988,667 | 2,749 |
| Average equity | $22,665,000 | 2,953 |
| Average total loans | $166,266,667 | 2,505 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5494% | 335 |
| Cost of funding earning assets | 1.3148% | 544 |
| Net interest margin | 4.2345% | 855 |
| Noninterest income to average assets | 8.9449% | 64 |
| Noninterest expense to average assets | 10.7492% | 73 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1188% | 1,789 |
| Return on assets (ROA) | 0.5915% | 3,672 |
| Pretax return on assets | 0.7483% | 3,551 |
| Return on Equity (ROE) | 7.3492% | 2,797 |
| Retained earnings to average equity (ytd only) | 0.2656% | 3,928 |
| Net charge-offs to loans | -0.0337% | 4,513 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3920% | 518 |
| Assets per employee ($millions) | 3.0500% | 4,772 |
| Cash dividends to net income (ytd only)* | 96.3855% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8315% | 678 |
| Loan loss allowance to noncurrent loans | 93.0743% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 1.2025% | 1,033 |
| Noncurrent loans to loans | 1.9678% | 736 |
| Net loans and leases to total assets | 59.9912% | 3,492 |
| Net loans and leases to deposits | 90.0981% | 1,501 |
| Net loans and leases to core deposits | 92.8026% | 2,088 |
| Total domestic deposits to total assets | 66.5843% | 4,949 |
| Equity capital to assets | 8.5165% | 4,822 |
| Core capital (leverage) ratio | 9.0603% | 4,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $280,652,500 | 2,317 |
| Average earning assets | $204,132,000 | 2,711 |
| Average equity | $22,587,500 | 2,956 |
| Average total loans | $165,987,500 | 2,478 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4908% | 568 |
| Cost of funding earning assets | 1.1711% | 1,092 |
| Net interest margin | 4.3197% | 1,048 |
| Noninterest income to average assets | 8.3314% | 69 |
| Noninterest expense to average assets | 9.8788% | 72 |
| Loan and lease loss provision to assets | 0.6121% | 195 |
| Net operating income to assets | 1.0184% | 2,781 |
| Return on assets (ROA) | 0.5626% | 4,313 |
| Pretax return on assets | 0.7122% | 4,183 |
| Return on Equity (ROE) | 6.9199% | 3,577 |
| Retained earnings to average equity (ytd only) | 4.6991% | 2,587 |
| Net charge-offs to loans | 0.1050% | 1,678 |
| Credit loss provision to net charge-offs | 906.4171% | 375 |
| Earnings coverage of net charge-offs (x) | 26.3583% | 1,699 |
| Efficiency ratio | 84.7324% | 618 |
| Assets per employee ($millions) | 3.5657% | 4,414 |
| Cash dividends to net income (ytd only)* | 32.0924% | 2,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7413% | 733 |
| Loan loss allowance to noncurrent loans | 92.2046% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 1.0836% | 1,139 |
| Noncurrent loans to loans | 1.8885% | 693 |
| Net loans and leases to total assets | 56.3806% | 3,899 |
| Net loans and leases to deposits | 79.7011% | 2,813 |
| Net loans and leases to core deposits | 88.0871% | 2,596 |
| Total domestic deposits to total assets | 70.7401% | 4,905 |
| Equity capital to assets | 7.6283% | 5,100 |
| Core capital (leverage) ratio | 9.0153% | 4,521 |
| Tier 1 risk-based capital ratio | 11.0401% | 4,841 |
| Total risk-based capital ratio | 12.5016% | 4,649 |
| Memoranda: | ||
| Average total assets | $276,905,400 | 2,292 |
| Average earning assets | $213,302,800 | 2,578 |
| Average equity | $22,514,800 | 2,915 |
| Average total loans | $178,103,200 | 2,339 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3677% | 752 |
| Cost of funding earning assets | 0.9070% | 2,202 |
| Net interest margin | 4.4607% | 838 |
| Noninterest income to average assets | 8.2601% | 70 |
| Noninterest expense to average assets | 9.8436% | 74 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5888% | 960 |
| Return on assets (ROA) | 1.1092% | 2,625 |
| Pretax return on assets | 1.4041% | 2,296 |
| Return on Equity (ROE) | 13.4163% | 1,135 |
| Retained earnings to average equity (ytd only) | 10.4533% | 639 |
| Net charge-offs to loans | -0.0118% | 4,429 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9370% | 616 |
| Assets per employee ($millions) | 3.2708% | 4,691 |
| Cash dividends to net income (ytd only)* | 22.0848% | 2,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8205% | 4,349 |
| Loan loss allowance to noncurrent loans | 135.7739% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 0.3881% | 2,960 |
| Noncurrent loans to loans | 0.6043% | 2,470 |
| Net loans and leases to total assets | 63.6938% | 3,317 |
| Net loans and leases to deposits | 90.5409% | 1,626 |
| Net loans and leases to core deposits | 95.8983% | 2,006 |
| Total domestic deposits to total assets | 70.3481% | 4,980 |
| Equity capital to assets | 8.3733% | 5,041 |
| Core capital (leverage) ratio | 9.7150% | 3,953 |
| Tier 1 risk-based capital ratio | 11.3309% | 4,746 |
| Total risk-based capital ratio | 12.2020% | 4,815 |
| Memoranda: | ||
| Average total assets | $272,144,000 | 2,337 |
| Average earning assets | $211,530,000 | 2,622 |
| Average equity | $22,499,500 | 2,936 |
| Average total loans | $180,175,000 | 2,334 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5050% | 563 |
| Cost of funding earning assets | 1.0843% | 1,360 |
| Net interest margin | 4.4208% | 909 |
| Noninterest income to average assets | 8.1729% | 69 |
| Noninterest expense to average assets | 9.6815% | 73 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6552% | 799 |
| Return on assets (ROA) | 1.1903% | 2,243 |
| Pretax return on assets | 1.5064% | 1,840 |
| Return on Equity (ROE) | 14.4606% | 881 |
| Retained earnings to average equity (ytd only) | 11.7628% | 437 |
| Net charge-offs to loans | -0.0111% | 4,353 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0835% | 725 |
| Assets per employee ($millions) | 3.2428% | 4,746 |
| Cash dividends to net income (ytd only)* | 18.6567% | 3,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7901% | 4,473 |
| Loan loss allowance to noncurrent loans | 77.4536% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 0.6759% | 2,025 |
| Noncurrent loans to loans | 1.0201% | 1,608 |
| Net loans and leases to total assets | 65.7378% | 3,144 |
| Net loans and leases to deposits | 88.9032% | 1,875 |
| Net loans and leases to core deposits | 93.7126% | 2,263 |
| Total domestic deposits to total assets | 73.9432% | 4,835 |
| Equity capital to assets | 8.1824% | 5,141 |
| Core capital (leverage) ratio | 9.9534% | 3,639 |
| Tier 1 risk-based capital ratio | 11.8637% | 4,492 |
| Total risk-based capital ratio | 12.8639% | 4,522 |
| Memoranda: | ||
| Average total assets | $270,186,670 | 2,355 |
| Average earning assets | $212,677,670 | 2,615 |
| Average equity | $22,239,670 | 2,951 |
| Average total loans | $180,718,670 | 2,335 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5491% | 480 |
| Cost of funding earning assets | 1.0016% | 1,559 |
| Net interest margin | 4.5475% | 680 |
| Noninterest income to average assets | 8.3373% | 62 |
| Noninterest expense to average assets | 9.7156% | 65 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8417% | 517 |
| Return on assets (ROA) | 1.3557% | 1,550 |
| Pretax return on assets | 1.7153% | 1,173 |
| Return on Equity (ROE) | 16.4191% | 543 |
| Retained earnings to average equity (ytd only) | 16.4191% | 207 |
| Net charge-offs to loans | -0.0179% | 4,442 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5278% | 919 |
| Assets per employee ($millions) | 3.0908% | 4,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8097% | 4,490 |
| Loan loss allowance to noncurrent loans | 134.8751% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 0.3974% | 2,993 |
| Noncurrent loans to loans | 0.6003% | 2,536 |
| Net loans and leases to total assets | 65.6677% | 3,101 |
| Net loans and leases to deposits | 88.3827% | 1,824 |
| Net loans and leases to core deposits | 97.2858% | 1,832 |
| Total domestic deposits to total assets | 74.2993% | 4,908 |
| Equity capital to assets | 8.2375% | 5,112 |
| Core capital (leverage) ratio | 9.9781% | 3,626 |
| Tier 1 risk-based capital ratio | 12.0024% | 4,457 |
| Total risk-based capital ratio | 13.0324% | 4,479 |
| Memoranda: | ||
| Average total assets | $265,840,500 | 2,397 |
| Average earning assets | $209,259,500 | 2,673 |
| Average equity | $21,950,000 | 2,980 |
| Average total loans | $178,683,500 | 2,382 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0420% | 956 |
| Cost of funding earning assets | 0.6096% | 2,647 |
| Net interest margin | 4.4324% | 877 |
| Noninterest income to average assets | 6.9937% | 69 |
| Noninterest expense to average assets | 8.8119% | 80 |
| Loan and lease loss provision to assets | 0.0507% | 3,173 |
| Net operating income to assets | 1.5292% | 1,044 |
| Return on assets (ROA) | 1.1451% | 2,409 |
| Pretax return on assets | 1.4432% | 1,978 |
| Return on Equity (ROE) | 14.9687% | 836 |
| Retained earnings to average equity (ytd only) | 11.0425% | 432 |
| Net charge-offs to loans | 0.0697% | 2,119 |
| Credit loss provision to net charge-offs | 109.7561% | 2,344 |
| Earnings coverage of net charge-offs (x) | 40.6667% | 1,287 |
| Efficiency ratio | 82.4325% | 758 |
| Assets per employee ($millions) | 2.9510% | 5,022 |
| Cash dividends to net income (ytd only)* | 26.2295% | 3,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8173% | 4,473 |
| Loan loss allowance to noncurrent loans | 160.8213% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 0.3469% | 3,161 |
| Noncurrent loans to loans | 0.5082% | 2,749 |
| Net loans and leases to total assets | 67.7152% | 2,919 |
| Net loans and leases to deposits | 90.2740% | 1,760 |
| Net loans and leases to core deposits | 103.6124% | 1,446 |
| Total domestic deposits to total assets | 75.0108% | 4,869 |
| Equity capital to assets | 8.2771% | 5,052 |
| Core capital (leverage) ratio | 9.6499% | 3,951 |
| Tier 1 risk-based capital ratio | 11.8937% | 4,501 |
| Total risk-based capital ratio | 12.9301% | 4,516 |
| Memoranda: | ||
| Average total assets | $266,354,400 | 2,364 |
| Average earning assets | $222,112,600 | 2,545 |
| Average equity | $20,375,800 | 3,058 |
| Average total loans | $176,390,200 | 2,361 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9317% | 1,089 |
| Cost of funding earning assets | 0.5560% | 2,825 |
| Net interest margin | 4.3758% | 949 |
| Noninterest income to average assets | 6.8336% | 75 |
| Noninterest expense to average assets | 8.6489% | 82 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.5755% | 1,009 |
| Return on assets (ROA) | 1.1815% | 2,319 |
| Pretax return on assets | 1.4869% | 1,941 |
| Return on Equity (ROE) | 15.7573% | 736 |
| Retained earnings to average equity (ytd only) | 10.4496% | 781 |
| Net charge-offs to loans | -0.0015% | 4,057 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1373% | 766 |
| Assets per employee ($millions) | 2.9381% | 5,082 |
| Cash dividends to net income (ytd only)* | 33.6842% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8182% | 4,554 |
| Loan loss allowance to noncurrent loans | 150.5230% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 0.3740% | 3,182 |
| Noncurrent loans to loans | 0.5436% | 2,753 |
| Net loans and leases to total assets | 68.2431% | 2,895 |
| Net loans and leases to deposits | 88.1817% | 2,133 |
| Net loans and leases to core deposits | 89.5083% | 2,700 |
| Total domestic deposits to total assets | 77.3892% | 4,581 |
| Equity capital to assets | 8.1395% | 5,115 |
| Core capital (leverage) ratio | 8.9229% | 4,776 |
| Tier 1 risk-based capital ratio | 11.8330% | 4,585 |
| Total risk-based capital ratio | 12.8103% | 4,643 |
| Memoranda: | ||
| Average total assets | $268,020,000 | 2,359 |
| Average earning assets | $226,392,750 | 2,525 |
| Average equity | $20,096,000 | 3,107 |
| Average total loans | $176,162,750 | 2,376 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7550% | 1,369 |
| Cost of funding earning assets | 0.5265% | 2,789 |
| Net interest margin | 4.2285% | 1,215 |
| Noninterest income to average assets | 6.8520% | 74 |
| Noninterest expense to average assets | 8.6186% | 80 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5425% | 1,048 |
| Return on assets (ROA) | 1.0994% | 2,592 |
| Pretax return on assets | 1.3786% | 2,224 |
| Return on Equity (ROE) | 15.0660% | 835 |
| Retained earnings to average equity (ytd only) | 12.0447% | 509 |
| Net charge-offs to loans | -0.0057% | 4,134 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5509% | 797 |
| Assets per employee ($millions) | 3.0774% | 5,046 |
| Cash dividends to net income (ytd only)* | 20.0535% | 2,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8008% | 4,692 |
| Loan loss allowance to noncurrent loans | 214.2645% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 0.2836% | 3,634 |
| Noncurrent loans to loans | 0.3738% | 3,355 |
| Net loans and leases to total assets | 65.9583% | 3,159 |
| Net loans and leases to deposits | 83.3105% | 2,609 |
| Net loans and leases to core deposits | 84.4660% | 3,042 |
| Total domestic deposits to total assets | 79.1717% | 4,402 |
| Equity capital to assets | 7.5393% | 5,368 |
| Core capital (leverage) ratio | 8.9442% | 4,734 |
| Tier 1 risk-based capital ratio | 11.5568% | 4,764 |
| Total risk-based capital ratio | 12.5330% | 4,805 |
| Memoranda: | ||
| Average total assets | $272,154,330 | 2,335 |
| Average earning assets | $230,958,330 | 2,506 |
| Average equity | $19,859,330 | 3,142 |
| Average total loans | $176,257,000 | 2,386 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7547% | 1,179 |
| Cost of funding earning assets | 0.5000% | 2,795 |
| Net interest margin | 4.2547% | 1,036 |
| Noninterest income to average assets | 7.0814% | 76 |
| Noninterest expense to average assets | 8.8906% | 83 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5570% | 942 |
| Return on assets (ROA) | 1.0571% | 2,631 |
| Pretax return on assets | 1.3210% | 2,284 |
| Return on Equity (ROE) | 14.7289% | 850 |
| Retained earnings to average equity (ytd only) | 14.7289% | 345 |
| Net charge-offs to loans | -0.0023% | 3,821 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0003% | 862 |
| Assets per employee ($millions) | 2.9112% | 5,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8228% | 4,722 |
| Loan loss allowance to noncurrent loans | 126.9197% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 0.4740% | 2,957 |
| Noncurrent loans to loans | 0.6483% | 2,604 |
| Net loans and leases to total assets | 66.8972% | 2,906 |
| Net loans and leases to deposits | 84.1609% | 2,374 |
| Net loans and leases to core deposits | 114.1782% | 797 |
| Total domestic deposits to total assets | 79.4873% | 4,493 |
| Equity capital to assets | 7.6953% | 5,368 |
| Core capital (leverage) ratio | 8.8590% | 4,839 |
| Tier 1 risk-based capital ratio | 11.7335% | 4,724 |
| Total risk-based capital ratio | 12.7398% | 4,764 |
| Memoranda: | ||
| Average total assets | $272,827,000 | 2,348 |
| Average earning assets | $232,780,500 | 2,512 |
| Average equity | $19,580,500 | 3,191 |
| Average total loans | $174,354,000 | 2,422 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9839% | 668 |
| Cost of funding earning assets | 0.5119% | 2,235 |
| Net interest margin | 4.4719% | 660 |
| Noninterest income to average assets | 6.6831% | 82 |
| Noninterest expense to average assets | 9.2950% | 77 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8622% | 2,908 |
| Return on assets (ROA) | 0.5468% | 4,265 |
| Pretax return on assets | 0.8297% | 4,166 |
| Return on Equity (ROE) | 7.2721% | 3,134 |
| Retained earnings to average equity (ytd only) | 4.5687% | 2,413 |
| Net charge-offs to loans | 0.0083% | 3,787 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 201.2143% | 398 |
| Efficiency ratio | 89.0312% | 473 |
| Assets per employee ($millions) | 3.1490% | 5,081 |
| Cash dividends to net income (ytd only)* | 37.1747% | 2,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8261% | 4,752 |
| Loan loss allowance to noncurrent loans | 178.0669% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.2816% | 3,763 |
| Noncurrent loans to loans | 0.4639% | 3,121 |
| Net loans and leases to total assets | 60.1991% | 3,810 |
| Net loans and leases to deposits | 73.7490% | 3,540 |
| Net loans and leases to core deposits | 90.0801% | 2,566 |
| Total domestic deposits to total assets | 81.6269% | 3,964 |
| Equity capital to assets | 6.5811% | 5,610 |
| Core capital (leverage) ratio | 8.3979% | 5,224 |
| Tier 1 risk-based capital ratio | 11.1050% | 5,084 |
| Total risk-based capital ratio | 12.1104% | 5,116 |
| Memoranda: | ||
| Average total assets | $245,993,400 | 2,517 |
| Average earning assets | $206,666,000 | 2,705 |
| Average equity | $18,495,400 | 3,301 |
| Average total loans | $168,127,600 | 2,440 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0595% | 546 |
| Cost of funding earning assets | 0.5207% | 2,104 |
| Net interest margin | 4.5388% | 550 |
| Noninterest income to average assets | 6.8946% | 84 |
| Noninterest expense to average assets | 9.4238% | 78 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9475% | 2,792 |
| Return on assets (ROA) | 0.5953% | 4,448 |
| Pretax return on assets | 0.9034% | 4,034 |
| Return on Equity (ROE) | 7.6284% | 3,333 |
| Retained earnings to average equity (ytd only) | 5.4550% | 2,565 |
| Net charge-offs to loans | -0.0096% | 4,627 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2431% | 495 |
| Assets per employee ($millions) | 2.7022% | 5,436 |
| Cash dividends to net income (ytd only)* | 28.4901% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7959% | 4,907 |
| Loan loss allowance to noncurrent loans | 173.1361% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 0.3514% | 3,632 |
| Noncurrent loans to loans | 0.4597% | 3,329 |
| Net loans and leases to total assets | 75.8272% | 1,617 |
| Net loans and leases to deposits | 96.8064% | 1,026 |
| Net loans and leases to core deposits | 109.3620% | 1,066 |
| Total domestic deposits to total assets | 78.3287% | 4,664 |
| Equity capital to assets | 7.8123% | 5,566 |
| Core capital (leverage) ratio | 9.0330% | 4,703 |
| Tier 1 risk-based capital ratio | 10.9447% | 5,277 |
| Total risk-based capital ratio | 11.9573% | 5,296 |
| Memoranda: | ||
| Average total assets | $235,851,500 | 2,622 |
| Average earning assets | $196,669,750 | 2,827 |
| Average equity | $18,404,500 | 3,342 |
| Average total loans | $166,673,500 | 2,471 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8950% | 703 |
| Cost of funding earning assets | 0.5257% | 1,955 |
| Net interest margin | 4.3693% | 742 |
| Noninterest income to average assets | 6.8723% | 87 |
| Noninterest expense to average assets | 9.5150% | 78 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7742% | 3,524 |
| Return on assets (ROA) | 0.4567% | 4,861 |
| Pretax return on assets | 0.6931% | 4,568 |
| Return on Equity (ROE) | 5.8545% | 4,112 |
| Retained earnings to average equity (ytd only) | 5.8545% | 2,196 |
| Net charge-offs to loans | -0.0534% | 5,204 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3982% | 432 |
| Assets per employee ($millions) | 2.5625% | 5,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8870% | 4,693 |
| Loan loss allowance to noncurrent loans | 240.1929% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.2727% | 4,031 |
| Noncurrent loans to loans | 0.3693% | 3,706 |
| Net loans and leases to total assets | 73.1999% | 2,005 |
| Net loans and leases to deposits | 93.7345% | 1,289 |
| Net loans and leases to core deposits | 103.3747% | 1,404 |
| Total domestic deposits to total assets | 78.0927% | 4,801 |
| Equity capital to assets | 8.1415% | 5,471 |
| Core capital (leverage) ratio | 8.6540% | 5,086 |
| Tier 1 risk-based capital ratio | 11.7989% | 4,758 |
| Total risk-based capital ratio | 12.9129% | 4,742 |
| Memoranda: | ||
| Average total assets | $234,304,330 | 2,642 |
| Average earning assets | $195,914,000 | 2,848 |
| Average equity | $18,276,670 | 3,364 |
| Average total loans | $160,957,330 | 2,548 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7754% | 792 |
| Cost of funding earning assets | 0.5324% | 1,845 |
| Net interest margin | 4.2430% | 897 |
| Noninterest income to average assets | 6.8199% | 88 |
| Noninterest expense to average assets | 9.4852% | 78 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6992% | 3,707 |
| Return on assets (ROA) | 0.3437% | 5,110 |
| Pretax return on assets | 0.5240% | 4,919 |
| Return on Equity (ROE) | 4.5006% | 4,598 |
| Retained earnings to average equity (ytd only) | 4.5006% | 3,170 |
| Net charge-offs to loans | -0.0025% | 4,035 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5150% | 477 |
| Assets per employee ($millions) | 2.6670% | 5,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9199% | 4,679 |
| Loan loss allowance to noncurrent loans | 113.3489% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 0.5337% | 3,097 |
| Noncurrent loans to loans | 0.8116% | 2,421 |
| Net loans and leases to total assets | 65.1523% | 3,098 |
| Net loans and leases to deposits | 82.5168% | 2,447 |
| Net loans and leases to core deposits | 92.1218% | 2,152 |
| Total domestic deposits to total assets | 78.9564% | 4,833 |
| Equity capital to assets | 7.5978% | 5,660 |
| Core capital (leverage) ratio | 8.3494% | 5,342 |
| Tier 1 risk-based capital ratio | 12.0347% | 4,689 |
| Total risk-based capital ratio | 13.1699% | 4,672 |
| Memoranda: | ||
| Average total assets | $237,423,500 | 2,643 |
| Average earning assets | $198,350,000 | 2,844 |
| Average equity | $18,131,000 | 3,398 |
| Average total loans | $157,217,000 | 2,615 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5769% | 1,335 |
| Cost of funding earning assets | 0.4929% | 2,142 |
| Net interest margin | 4.0840% | 1,419 |
| Noninterest income to average assets | 6.2089% | 95 |
| Noninterest expense to average assets | 8.8871% | 90 |
| Loan and lease loss provision to assets | 0.0213% | 3,943 |
| Net operating income to assets | 0.6186% | 4,134 |
| Return on assets (ROA) | 0.2531% | 5,384 |
| Pretax return on assets | 0.3907% | 5,239 |
| Return on Equity (ROE) | 3.2162% | 5,098 |
| Retained earnings to average equity (ytd only) | -5.1762% | 5,682 |
| Net charge-offs to loans | 0.1877% | 1,480 |
| Credit loss provision to net charge-offs | 18.3150% | 3,684 |
| Earnings coverage of net charge-offs (x) | 6.6850% | 3,135 |
| Efficiency ratio | 91.9547% | 460 |
| Assets per employee ($millions) | 2.5804% | 5,625 |
| Cash dividends to net income (ytd only)* | 260.9428% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9266% | 4,669 |
| Loan loss allowance to noncurrent loans | 105.7580% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 0.5843% | 2,985 |
| Noncurrent loans to loans | 0.8761% | 2,349 |
| Net loans and leases to total assets | 66.0710% | 3,065 |
| Net loans and leases to deposits | 83.6989% | 2,455 |
| Net loans and leases to core deposits | 93.4964% | 2,160 |
| Total domestic deposits to total assets | 78.9389% | 4,810 |
| Equity capital to assets | 7.6762% | 5,670 |
| Core capital (leverage) ratio | 9.1419% | 4,563 |
| Tier 1 risk-based capital ratio | 12.7585% | 4,227 |
| Total risk-based capital ratio | 13.9245% | 4,165 |
| Memoranda: | ||
| Average total assets | $234,711,600 | 2,618 |
| Average earning assets | $198,606,000 | 2,804 |
| Average equity | $18,469,000 | 3,342 |
| Average total loans | $145,479,800 | 2,706 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5048% | 1,524 |
| Cost of funding earning assets | 0.4835% | 2,226 |
| Net interest margin | 4.0213% | 1,594 |
| Noninterest income to average assets | 6.3016% | 97 |
| Noninterest expense to average assets | 8.8968% | 87 |
| Loan and lease loss provision to assets | 0.0284% | 3,671 |
| Net operating income to assets | 0.6528% | 4,075 |
| Return on assets (ROA) | 0.2733% | 5,420 |
| Pretax return on assets | 0.4085% | 5,289 |
| Return on Equity (ROE) | 3.4517% | 5,099 |
| Retained earnings to average equity (ytd only) | -7.6712% | 5,810 |
| Net charge-offs to loans | 0.2298% | 1,025 |
| Credit loss provision to net charge-offs | 20.3252% | 3,296 |
| Earnings coverage of net charge-offs (x) | 5.8415% | 3,076 |
| Efficiency ratio | 91.5950% | 490 |
| Assets per employee ($millions) | 2.5663% | 5,696 |
| Cash dividends to net income (ytd only)* | 322.2447% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9302% | 4,751 |
| Loan loss allowance to noncurrent loans | 114.9184% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 0.5451% | 3,279 |
| Noncurrent loans to loans | 0.8094% | 2,642 |
| Net loans and leases to total assets | 66.7176% | 3,000 |
| Net loans and leases to deposits | 84.4452% | 2,436 |
| Net loans and leases to core deposits | 94.8984% | 2,113 |
| Total domestic deposits to total assets | 79.0070% | 4,720 |
| Equity capital to assets | 7.6129% | 5,829 |
| Core capital (leverage) ratio | 9.4326% | 4,282 |
| Tier 1 risk-based capital ratio | 12.4465% | 4,506 |
| Total risk-based capital ratio | 13.6148% | 4,465 |
| Memoranda: | ||
| Average total assets | $234,685,250 | 2,634 |
| Average earning assets | $199,101,000 | 2,816 |
| Average equity | $18,580,000 | 3,360 |
| Average total loans | $142,700,500 | 2,745 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4503% | 1,676 |
| Cost of funding earning assets | 0.4799% | 2,274 |
| Net interest margin | 3.9705% | 1,735 |
| Noninterest income to average assets | 6.1217% | 101 |
| Noninterest expense to average assets | 8.7843% | 87 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6199% | 4,187 |
| Return on assets (ROA) | 0.2476% | 5,501 |
| Pretax return on assets | 0.3424% | 5,429 |
| Return on Equity (ROE) | 3.0881% | 5,225 |
| Retained earnings to average equity (ytd only) | -9.6901% | 5,877 |
| Net charge-offs to loans | 0.2783% | 859 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 4.3822% | 2,994 |
| Efficiency ratio | 92.4757% | 476 |
| Assets per employee ($millions) | 2.4926% | 5,789 |
| Cash dividends to net income (ytd only)* | 413.7931% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0652% | 4,135 |
| Loan loss allowance to noncurrent loans | 94.5825% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 0.6842% | 2,944 |
| Noncurrent loans to loans | 1.1262% | 2,044 |
| Net loans and leases to total assets | 60.1040% | 3,871 |
| Net loans and leases to deposits | 76.6519% | 3,311 |
| Net loans and leases to core deposits | 83.8989% | 3,093 |
| Total domestic deposits to total assets | 78.4117% | 4,913 |
| Equity capital to assets | 7.9134% | 5,830 |
| Core capital (leverage) ratio | 9.4915% | 4,224 |
| Tier 1 risk-based capital ratio | 13.7477% | 3,748 |
| Total risk-based capital ratio | 15.0403% | 3,643 |
| Memoranda: | ||
| Average total assets | $234,214,330 | 2,647 |
| Average earning assets | $199,220,670 | 2,824 |
| Average equity | $18,782,000 | 3,331 |
| Average total loans | $137,268,000 | 2,828 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3643% | 1,911 |
| Cost of funding earning assets | 0.4567% | 2,511 |
| Net interest margin | 3.9076% | 1,914 |
| Noninterest income to average assets | 5.6249% | 104 |
| Noninterest expense to average assets | 8.4002% | 100 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5797% | 4,271 |
| Return on assets (ROA) | 0.2096% | 5,576 |
| Pretax return on assets | 0.2096% | 5,634 |
| Return on Equity (ROE) | 2.5969% | 5,358 |
| Retained earnings to average equity (ytd only) | 2.5969% | 4,204 |
| Net charge-offs to loans | -0.0147% | 4,703 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5441% | 475 |
| Assets per employee ($millions) | 2.7288% | 5,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1998% | 3,483 |
| Loan loss allowance to noncurrent loans | 118.8841% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 0.5450% | 3,430 |
| Noncurrent loans to loans | 1.0092% | 2,361 |
| Net loans and leases to total assets | 53.3577% | 4,510 |
| Net loans and leases to deposits | 65.7516% | 4,277 |
| Net loans and leases to core deposits | 70.9666% | 4,161 |
| Total domestic deposits to total assets | 81.1503% | 4,444 |
| Equity capital to assets | 7.4755% | 5,952 |
| Core capital (leverage) ratio | 10.2342% | 3,280 |
| Tier 1 risk-based capital ratio | 14.2408% | 3,541 |
| Total risk-based capital ratio | 15.6359% | 3,385 |
| Memoranda: | ||
| Average total assets | $236,662,000 | 2,636 |
| Average earning assets | $203,193,000 | 2,785 |
| Average equity | $19,099,500 | 3,291 |
| Average total loans | $136,245,000 | 2,851 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6737% | 1,168 |
| Cost of funding earning assets | 0.4689% | 2,448 |
| Net interest margin | 4.2049% | 1,163 |
| Noninterest income to average assets | 6.2435% | 98 |
| Noninterest expense to average assets | 8.3628% | 100 |
| Loan and lease loss provision to assets | 0.0261% | 3,867 |
| Net operating income to assets | 1.4734% | 909 |
| Return on assets (ROA) | 1.0191% | 2,339 |
| Pretax return on assets | 1.0191% | 3,385 |
| Return on Equity (ROE) | 13.4848% | 953 |
| Retained earnings to average equity (ytd only) | 13.4848% | 185 |
| Net charge-offs to loans | -0.0269% | 5,361 |
| Credit loss provision to net charge-offs | -171.4286% | 5,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7956% | 1,113 |
| Assets per employee ($millions) | 2.3314% | 5,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2369% | 3,266 |
| Loan loss allowance to noncurrent loans | 115.5509% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 0.6614% | 3,062 |
| Noncurrent loans to loans | 1.0704% | 2,203 |
| Net loans and leases to total assets | 61.0213% | 3,688 |
| Net loans and leases to deposits | 78.4041% | 3,005 |
| Net loans and leases to core deposits | 86.0539% | 2,791 |
| Total domestic deposits to total assets | 77.8292% | 5,201 |
| Equity capital to assets | 8.7741% | 5,334 |
| Core capital (leverage) ratio | 10.4082% | 3,052 |
| Tier 1 risk-based capital ratio | 15.4147% | 2,980 |
| Total risk-based capital ratio | 16.8814% | 2,801 |
| Memoranda: | ||
| Average total assets | $230,208,800 | 2,663 |
| Average earning assets | $198,128,200 | 2,801 |
| Average equity | $17,397,400 | 3,478 |
| Average total loans | $130,254,400 | 2,885 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5142% | 1,556 |
| Cost of funding earning assets | 0.4599% | 2,588 |
| Net interest margin | 4.0543% | 1,546 |
| Noninterest income to average assets | 5.4621% | 118 |
| Noninterest expense to average assets | 8.0835% | 108 |
| Loan and lease loss provision to assets | 0.0343% | 3,537 |
| Net operating income to assets | 0.8420% | 3,207 |
| Return on assets (ROA) | 0.3733% | 5,331 |
| Pretax return on assets | 0.3733% | 5,517 |
| Return on Equity (ROE) | 5.1321% | 4,565 |
| Retained earnings to average equity (ytd only) | 5.1321% | 2,817 |
| Net charge-offs to loans | 0.0825% | 2,371 |
| Credit loss provision to net charge-offs | 75.0000% | 2,680 |
| Earnings coverage of net charge-offs (x) | 19.1883% | 1,958 |
| Efficiency ratio | 90.2198% | 687 |
| Assets per employee ($millions) | 2.6320% | 5,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1841% | 3,748 |
| Loan loss allowance to noncurrent loans | 104.6133% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 0.6508% | 3,303 |
| Noncurrent loans to loans | 1.1319% | 2,245 |
| Net loans and leases to total assets | 52.5703% | 4,704 |
| Net loans and leases to deposits | 64.0991% | 4,552 |
| Net loans and leases to core deposits | 69.1953% | 4,446 |
| Total domestic deposits to total assets | 82.0141% | 4,153 |
| Equity capital to assets | 7.0988% | 6,137 |
| Core capital (leverage) ratio | 10.8262% | 2,680 |
| Tier 1 risk-based capital ratio | 14.8571% | 3,367 |
| Total risk-based capital ratio | 16.0485% | 3,338 |
| Memoranda: | ||
| Average total assets | $233,555,750 | 2,655 |
| Average earning assets | $201,494,500 | 2,786 |
| Average equity | $16,990,750 | 3,558 |
| Average total loans | $129,327,000 | 2,914 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3012% | 2,163 |
| Cost of funding earning assets | 0.4577% | 2,633 |
| Net interest margin | 3.8434% | 2,162 |
| Noninterest income to average assets | 5.8125% | 115 |
| Noninterest expense to average assets | 8.2248% | 107 |
| Loan and lease loss provision to assets | 0.0522% | 3,074 |
| Net operating income to assets | 0.8529% | 3,117 |
| Return on assets (ROA) | 0.3507% | 5,405 |
| Pretax return on assets | 0.3507% | 5,574 |
| Return on Equity (ROE) | 4.7799% | 4,713 |
| Retained earnings to average equity (ytd only) | 4.7799% | 3,006 |
| Net charge-offs to loans | 0.0434% | 2,831 |
| Credit loss provision to net charge-offs | 214.2857% | 1,160 |
| Earnings coverage of net charge-offs (x) | 37.1429% | 1,183 |
| Efficiency ratio | 90.0867% | 741 |
| Assets per employee ($millions) | 2.1083% | 6,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2427% | 3,543 |
| Loan loss allowance to noncurrent loans | 95.8509% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 0.8842% | 2,779 |
| Noncurrent loans to loans | 1.2965% | 2,071 |
| Net loans and leases to total assets | 63.2428% | 3,381 |
| Net loans and leases to deposits | 80.6668% | 2,700 |
| Net loans and leases to core deposits | 89.3415% | 2,409 |
| Total domestic deposits to total assets | 78.4001% | 5,200 |
| Equity capital to assets | 8.5480% | 5,645 |
| Core capital (leverage) ratio | 9.3778% | 4,451 |
| Tier 1 risk-based capital ratio | 15.2467% | 3,226 |
| Total risk-based capital ratio | 16.4971% | 3,161 |
| Memoranda: | ||
| Average total assets | $229,816,000 | 2,703 |
| Average earning assets | $198,365,330 | 2,836 |
| Average equity | $16,862,330 | 3,588 |
| Average total loans | $129,029,000 | 2,930 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0632% | 2,981 |
| Cost of funding earning assets | 0.4219% | 3,047 |
| Net interest margin | 3.6413% | 2,851 |
| Noninterest income to average assets | 4.6971% | 139 |
| Noninterest expense to average assets | 7.5101% | 133 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3631% | 5,210 |
| Return on assets (ROA) | 0.0262% | 6,021 |
| Pretax return on assets | 0.0262% | 6,022 |
| Return on Equity (ROE) | 0.3825% | 6,001 |
| Retained earnings to average equity (ytd only) | 0.3825% | 5,249 |
| Net charge-offs to loans | -0.1082% | 5,883 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3885% | 529 |
| Assets per employee ($millions) | 2.6881% | 5,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2388% | 3,748 |
| Loan loss allowance to noncurrent loans | 95.4573% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 0.7374% | 3,280 |
| Noncurrent loans to loans | 1.2978% | 2,215 |
| Net loans and leases to total assets | 46.8939% | 5,129 |
| Net loans and leases to deposits | 55.5689% | 5,077 |
| Net loans and leases to core deposits | 59.7415% | 5,009 |
| Total domestic deposits to total assets | 84.3886% | 3,656 |
| Equity capital to assets | 6.1677% | 6,328 |
| Core capital (leverage) ratio | 9.5364% | 4,218 |
| Tier 1 risk-based capital ratio | 14.0498% | 3,971 |
| Total risk-based capital ratio | 15.3021% | 3,896 |
| Memoranda: | ||
| Average total assets | $244,577,500 | 2,601 |
| Average earning assets | $213,330,500 | 2,699 |
| Average equity | $16,733,000 | 3,625 |
| Average total loans | $129,411,000 | 2,919 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5344% | 1,748 |
| Cost of funding earning assets | 0.4647% | 3,025 |
| Net interest margin | 4.0697% | 1,682 |
| Noninterest income to average assets | 5.5185% | 114 |
| Noninterest expense to average assets | 8.5506% | 97 |
| Loan and lease loss provision to assets | 0.2779% | 765 |
| Net operating income to assets | 0.2604% | 5,624 |
| Return on assets (ROA) | -0.0750% | 6,145 |
| Pretax return on assets | -0.0750% | 6,131 |
| Return on Equity (ROE) | -0.9959% | 6,165 |
| Retained earnings to average equity (ytd only) | -0.9959% | 5,918 |
| Net charge-offs to loans | 1.1966% | 225 |
| Credit loss provision to net charge-offs | 39.5275% | 3,683 |
| Earnings coverage of net charge-offs (x) | 0.7656% | 4,570 |
| Efficiency ratio | 94.0770% | 596 |
| Assets per employee ($millions) | 2.0983% | 6,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2100% | 3,939 |
| Loan loss allowance to noncurrent loans | 57.9592% | 4,855 |
| Noncurrent assets plus other real estate owned to assets | 1.2946% | 2,179 |
| Noncurrent loans to loans | 2.0877% | 1,306 |
| Net loans and leases to total assets | 59.0059% | 3,919 |
| Net loans and leases to deposits | 72.6877% | 3,598 |
| Net loans and leases to core deposits | 79.4798% | 3,350 |
| Total domestic deposits to total assets | 81.1772% | 4,689 |
| Equity capital to assets | 7.7321% | 6,166 |
| Core capital (leverage) ratio | 9.6788% | 4,003 |
| Tier 1 risk-based capital ratio | 14.6908% | 3,665 |
| Total risk-based capital ratio | 15.7923% | 3,688 |
| Memoranda: | ||
| Average total assets | $222,722,200 | 2,754 |
| Average earning assets | $195,393,400 | 2,851 |
| Average equity | $16,769,000 | 3,564 |
| Average total loans | $130,871,200 | 2,854 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1994% | 2,993 |
| Cost of funding earning assets | 0.4463% | 3,297 |
| Net interest margin | 3.7531% | 2,798 |
| Noninterest income to average assets | 4.6624% | 130 |
| Noninterest expense to average assets | 7.4601% | 123 |
| Loan and lease loss provision to assets | 0.2728% | 764 |
| Net operating income to assets | 0.2377% | 5,760 |
| Return on assets (ROA) | -0.0315% | 6,178 |
| Pretax return on assets | -0.0315% | 6,165 |
| Return on Equity (ROE) | -0.4210% | 6,183 |
| Retained earnings to average equity (ytd only) | -0.4210% | 5,864 |
| Net charge-offs to loans | 1.3514% | 194 |
| Credit loss provision to net charge-offs | 34.4853% | 3,380 |
| Earnings coverage of net charge-offs (x) | 0.6454% | 4,345 |
| Efficiency ratio | 93.5958% | 615 |
| Assets per employee ($millions) | 2.3991% | 6,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2251% | 4,106 |
| Loan loss allowance to noncurrent loans | 70.6390% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 0.9915% | 2,970 |
| Noncurrent loans to loans | 1.7343% | 1,870 |
| Net loans and leases to total assets | 53.3799% | 4,652 |
| Net loans and leases to deposits | 64.9884% | 4,434 |
| Net loans and leases to core deposits | 70.0836% | 4,312 |
| Total domestic deposits to total assets | 82.1376% | 4,434 |
| Equity capital to assets | 6.8076% | 6,411 |
| Core capital (leverage) ratio | 9.8677% | 3,858 |
| Tier 1 risk-based capital ratio | 13.8730% | 4,309 |
| Total risk-based capital ratio | 14.9727% | 4,337 |
| Memoranda: | ||
| Average total assets | $224,371,250 | 2,766 |
| Average earning assets | $197,771,250 | 2,853 |
| Average equity | $16,783,500 | 3,578 |
| Average total loans | $131,316,750 | 2,847 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3270% | 2,493 |
| Cost of funding earning assets | 0.4477% | 3,354 |
| Net interest margin | 3.8793% | 2,254 |
| Noninterest income to average assets | 5.4476% | 111 |
| Noninterest expense to average assets | 8.5086% | 95 |
| Loan and lease loss provision to assets | 0.3450% | 523 |
| Net operating income to assets | 0.0812% | 6,081 |
| Return on assets (ROA) | -0.1937% | 6,326 |
| Pretax return on assets | -0.2519% | 6,339 |
| Return on Equity (ROE) | -2.5044% | 6,351 |
| Retained earnings to average equity (ytd only) | -2.5044% | 6,044 |
| Net charge-offs to loans | 1.8350% | 129 |
| Credit loss provision to net charge-offs | 31.2187% | 3,046 |
| Earnings coverage of net charge-offs (x) | 0.3331% | 4,067 |
| Efficiency ratio | 95.8533% | 562 |
| Assets per employee ($millions) | 1.8690% | 6,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2539% | 4,138 |
| Loan loss allowance to noncurrent loans | 153.5096% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 0.5958% | 4,193 |
| Noncurrent loans to loans | 0.8168% | 3,666 |
| Net loans and leases to total assets | 63.9265% | 3,080 |
| Net loans and leases to deposits | 79.2582% | 2,619 |
| Net loans and leases to core deposits | 86.5628% | 2,465 |
| Total domestic deposits to total assets | 80.6560% | 5,082 |
| Equity capital to assets | 8.0382% | 6,132 |
| Core capital (leverage) ratio | 9.8587% | 3,806 |
| Tier 1 risk-based capital ratio | 14.3355% | 4,040 |
| Total risk-based capital ratio | 15.5232% | 4,017 |
| Memoranda: | ||
| Average total assets | $216,793,000 | 2,848 |
| Average earning assets | $191,634,330 | 2,925 |
| Average equity | $16,770,670 | 3,570 |
| Average total loans | $130,575,330 | 2,864 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1670% | 3,001 |
| Cost of funding earning assets | 0.4226% | 3,734 |
| Net interest margin | 3.7444% | 2,696 |
| Noninterest income to average assets | 4.9851% | 115 |
| Noninterest expense to average assets | 8.1821% | 108 |
| Loan and lease loss provision to assets | 0.2511% | 857 |
| Net operating income to assets | 0.0090% | 6,198 |
| Return on assets (ROA) | -0.2402% | 6,379 |
| Pretax return on assets | -0.3685% | 6,416 |
| Return on Equity (ROE) | -3.1633% | 6,411 |
| Retained earnings to average equity (ytd only) | -3.1633% | 5,977 |
| Net charge-offs to loans | 2.2593% | 108 |
| Credit loss provision to net charge-offs | 19.1197% | 2,515 |
| Earnings coverage of net charge-offs (x) | 0.1004% | 3,415 |
| Efficiency ratio | 98.4141% | 531 |
| Assets per employee ($millions) | 2.1634% | 6,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5530% | 2,910 |
| Loan loss allowance to noncurrent loans | 125.1630% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 0.6821% | 4,062 |
| Noncurrent loans to loans | 1.2408% | 2,974 |
| Net loans and leases to total assets | 50.6838% | 4,832 |
| Net loans and leases to deposits | 60.5311% | 4,707 |
| Net loans and leases to core deposits | 65.1935% | 4,580 |
| Total domestic deposits to total assets | 83.7319% | 4,376 |
| Equity capital to assets | 6.9752% | 6,453 |
| Core capital (leverage) ratio | 9.7021% | 3,995 |
| Tier 1 risk-based capital ratio | 14.6630% | 3,911 |
| Total risk-based capital ratio | 15.9168% | 3,860 |
| Memoranda: | ||
| Average total assets | $221,459,500 | 2,815 |
| Average earning assets | $196,879,500 | 2,885 |
| Average equity | $16,818,000 | 3,573 |
| Average total loans | $128,710,000 | 2,901 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6487% | 1,721 |
| Cost of funding earning assets | 0.3698% | 4,957 |
| Net interest margin | 4.2788% | 1,154 |
| Noninterest income to average assets | 5.1502% | 129 |
| Noninterest expense to average assets | 8.4997% | 101 |
| Loan and lease loss provision to assets | 0.4119% | 721 |
| Net operating income to assets | 0.0458% | 6,139 |
| Return on assets (ROA) | -0.2306% | 6,392 |
| Pretax return on assets | -0.2306% | 6,378 |
| Return on Equity (ROE) | -2.7193% | 6,414 |
| Retained earnings to average equity (ytd only) | -2.7193% | 6,244 |
| Net charge-offs to loans | 0.2128% | 2,757 |
| Credit loss provision to net charge-offs | 308.3942% | 742 |
| Earnings coverage of net charge-offs (x) | 3.4270% | 3,857 |
| Efficiency ratio | 94.8898% | 705 |
| Assets per employee ($millions) | 1.8776% | 6,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8746% | 1,839 |
| Loan loss allowance to noncurrent loans | 168.2093% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.7358% | 4,039 |
| Noncurrent loans to loans | 1.1144% | 3,310 |
| Net loans and leases to total assets | 64.7403% | 2,915 |
| Net loans and leases to deposits | 80.5978% | 2,375 |
| Net loans and leases to core deposits | 88.2484% | 2,219 |
| Total domestic deposits to total assets | 80.3251% | 5,370 |
| Equity capital to assets | 8.3272% | 5,760 |
| Core capital (leverage) ratio | 9.9051% | 3,692 |
| Tier 1 risk-based capital ratio | 14.2716% | 4,102 |
| Total risk-based capital ratio | 15.5297% | 4,039 |
| Memoranda: | ||
| Average total assets | $205,137,800 | 2,971 |
| Average earning assets | $182,525,800 | 3,043 |
| Average equity | $17,394,200 | 3,507 |
| Average total loans | $128,767,400 | 2,882 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5177% | 2,164 |
| Cost of funding earning assets | 0.3299% | 5,471 |
| Net interest margin | 4.1878% | 1,373 |
| Noninterest income to average assets | 5.0687% | 138 |
| Noninterest expense to average assets | 8.3338% | 107 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4407% | 5,071 |
| Return on assets (ROA) | 0.1478% | 6,112 |
| Pretax return on assets | 0.1769% | 6,080 |
| Return on Equity (ROE) | 1.7350% | 6,018 |
| Retained earnings to average equity (ytd only) | 1.7350% | 5,272 |
| Net charge-offs to loans | 0.1913% | 2,693 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 3.9618% | 3,572 |
| Efficiency ratio | 94.6628% | 700 |
| Assets per employee ($millions) | 2.0674% | 6,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3684% | 4,033 |
| Loan loss allowance to noncurrent loans | 111.9336% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 0.6914% | 4,380 |
| Noncurrent loans to loans | 1.2225% | 3,362 |
| Net loans and leases to total assets | 54.6014% | 4,516 |
| Net loans and leases to deposits | 66.1342% | 4,290 |
| Net loans and leases to core deposits | 71.4121% | 4,161 |
| Total domestic deposits to total assets | 82.5616% | 4,734 |
| Equity capital to assets | 7.5972% | 6,357 |
| Core capital (leverage) ratio | 10.5576% | 2,944 |
| Tier 1 risk-based capital ratio | 15.0008% | 3,750 |
| Total risk-based capital ratio | 16.2533% | 3,701 |
| Memoranda: | ||
| Average total assets | $205,727,000 | 2,978 |
| Average earning assets | $183,479,250 | 3,062 |
| Average equity | $17,521,250 | 3,527 |
| Average total loans | $127,512,000 | 2,917 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6338% | 1,747 |
| Cost of funding earning assets | 0.3015% | 5,816 |
| Net interest margin | 4.3323% | 972 |
| Noninterest income to average assets | 5.2851% | 140 |
| Noninterest expense to average assets | 8.6019% | 105 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5611% | 4,497 |
| Return on assets (ROA) | 0.2080% | 6,002 |
| Pretax return on assets | 0.2080% | 6,075 |
| Return on Equity (ROE) | 2.3431% | 5,850 |
| Retained earnings to average equity (ytd only) | 2.3431% | 4,801 |
| Net charge-offs to loans | 0.2938% | 2,011 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 2.9572% | 3,545 |
| Efficiency ratio | 93.8766% | 769 |
| Assets per employee ($millions) | 1.6536% | 6,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4028% | 4,021 |
| Loan loss allowance to noncurrent loans | 144.8675% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 0.6191% | 4,687 |
| Noncurrent loans to loans | 0.9683% | 4,004 |
| Net loans and leases to total assets | 63.0375% | 3,093 |
| Net loans and leases to deposits | 78.3350% | 2,525 |
| Net loans and leases to core deposits | 86.0754% | 2,329 |
| Total domestic deposits to total assets | 80.4717% | 5,487 |
| Equity capital to assets | 8.9985% | 5,221 |
| Core capital (leverage) ratio | 11.0962% | 2,270 |
| Tier 1 risk-based capital ratio | 16.0354% | 3,167 |
| Total risk-based capital ratio | 17.2912% | 3,115 |
| Memoranda: | ||
| Average total assets | $197,120,330 | 3,101 |
| Average earning assets | $176,442,670 | 3,166 |
| Average equity | $17,498,000 | 3,552 |
| Average total loans | $127,288,670 | 2,931 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1492% | 3,517 |
| Cost of funding earning assets | 0.2930% | 6,024 |
| Net interest margin | 3.8562% | 2,259 |
| Noninterest income to average assets | 5.5179% | 129 |
| Noninterest expense to average assets | 8.3727% | 112 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5996% | 4,210 |
| Return on assets (ROA) | 0.2382% | 5,892 |
| Pretax return on assets | 0.2382% | 5,995 |
| Return on Equity (ROE) | 2.7021% | 5,708 |
| Retained earnings to average equity (ytd only) | 2.7021% | 4,665 |
| Net charge-offs to loans | 0.0124% | 3,897 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 74.2500% | 498 |
| Efficiency ratio | 93.3168% | 890 |
| Assets per employee ($millions) | 1.7951% | 6,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5856% | 3,458 |
| Loan loss allowance to noncurrent loans | 178.5582% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 0.5108% | 5,108 |
| Noncurrent loans to loans | 0.8880% | 4,361 |
| Net loans and leases to total assets | 56.6111% | 3,988 |
| Net loans and leases to deposits | 69.0531% | 3,633 |
| Net loans and leases to core deposits | 75.2812% | 3,419 |
| Total domestic deposits to total assets | 81.9819% | 5,196 |
| Equity capital to assets | 8.2681% | 6,206 |
| Core capital (leverage) ratio | 11.2783% | 2,029 |
| Tier 1 risk-based capital ratio | 15.5999% | 3,472 |
| Total risk-based capital ratio | 16.8574% | 3,436 |
| Memoranda: | ||
| Average total assets | $198,119,500 | 3,117 |
| Average earning assets | $177,481,500 | 3,180 |
| Average equity | $17,468,000 | 3,600 |
| Average total loans | $128,558,000 | 2,915 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4193% | 3,735 |
| Cost of funding earning assets | 0.2942% | 6,484 |
| Net interest margin | 4.1251% | 1,900 |
| Noninterest income to average assets | 6.4970% | 109 |
| Noninterest expense to average assets | 8.7775% | 97 |
| Loan and lease loss provision to assets | -0.1674% | 6,964 |
| Net operating income to assets | 1.6382% | 705 |
| Return on assets (ROA) | 1.2592% | 1,583 |
| Pretax return on assets | 1.2592% | 2,574 |
| Return on Equity (ROE) | 14.3300% | 928 |
| Retained earnings to average equity (ytd only) | 14.3300% | 188 |
| Net charge-offs to loans | -0.0878% | 6,801 |
| Credit loss provision to net charge-offs | 299.0385% | 822 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6482% | 1,464 |
| Assets per employee ($millions) | 1.6614% | 6,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4320% | 4,005 |
| Loan loss allowance to noncurrent loans | 190.4621% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.5515% | 5,100 |
| Noncurrent loans to loans | 0.7518% | 4,675 |
| Net loans and leases to total assets | 72.2997% | 1,443 |
| Net loans and leases to deposits | 90.3014% | 1,053 |
| Net loans and leases to core deposits | 100.0293% | 1,025 |
| Total domestic deposits to total assets | 80.0649% | 5,645 |
| Equity capital to assets | 9.4473% | 4,939 |
| Core capital (leverage) ratio | 10.8178% | 2,423 |
| Tier 1 risk-based capital ratio | 14.8535% | 3,801 |
| Total risk-based capital ratio | 16.1121% | 3,749 |
| Memoranda: | ||
| Average total assets | $185,748,600 | 3,226 |
| Average earning assets | $168,918,000 | 3,247 |
| Average equity | $16,322,400 | 3,735 |
| Average total loans | $118,514,200 | 3,111 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3832% | 4,120 |
| Cost of funding earning assets | 0.2648% | 6,751 |
| Net interest margin | 4.1184% | 2,023 |
| Noninterest income to average assets | 6.0645% | 112 |
| Noninterest expense to average assets | 8.1510% | 105 |
| Loan and lease loss provision to assets | -0.2228% | 7,096 |
| Net operating income to assets | 1.9030% | 448 |
| Return on assets (ROA) | 1.4567% | 1,230 |
| Pretax return on assets | 1.4567% | 2,052 |
| Return on Equity (ROE) | 16.8911% | 621 |
| Retained earnings to average equity (ytd only) | 16.8911% | 155 |
| Net charge-offs to loans | -0.2671% | 7,036 |
| Credit loss provision to net charge-offs | 135.8079% | 2,122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9094% | 1,710 |
| Assets per employee ($millions) | 1.9453% | 7,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6173% | 3,455 |
| Loan loss allowance to noncurrent loans | 163.7520% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.5993% | 5,176 |
| Noncurrent loans to loans | 0.9876% | 4,469 |
| Net loans and leases to total assets | 58.0366% | 4,130 |
| Net loans and leases to deposits | 70.1502% | 3,874 |
| Net loans and leases to core deposits | 76.9346% | 3,614 |
| Total domestic deposits to total assets | 82.7319% | 4,746 |
| Equity capital to assets | 7.9472% | 6,618 |
| Core capital (leverage) ratio | 10.7627% | 2,645 |
| Tier 1 risk-based capital ratio | 15.0601% | 3,806 |
| Total risk-based capital ratio | 16.3185% | 3,750 |
| Memoranda: | ||
| Average total assets | $186,082,500 | 3,258 |
| Average earning assets | $170,192,250 | 3,263 |
| Average equity | $16,047,500 | 3,809 |
| Average total loans | $114,326,000 | 3,227 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2654% | 4,705 |
| Cost of funding earning assets | 0.2418% | 6,936 |
| Net interest margin | 4.0236% | 2,401 |
| Noninterest income to average assets | 5.6275% | 124 |
| Noninterest expense to average assets | 7.6861% | 123 |
| Loan and lease loss provision to assets | -0.3531% | 7,187 |
| Net operating income to assets | 1.9973% | 394 |
| Return on assets (ROA) | 1.5306% | 1,064 |
| Pretax return on assets | 1.5306% | 1,777 |
| Return on Equity (ROE) | 17.1975% | 611 |
| Retained earnings to average equity (ytd only) | 17.1975% | 174 |
| Net charge-offs to loans | -0.4983% | 7,129 |
| Credit loss provision to net charge-offs | 113.5036% | 2,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3780% | 1,830 |
| Assets per employee ($millions) | 1.9832% | 7,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9180% | 2,490 |
| Loan loss allowance to noncurrent loans | 162.9544% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.7122% | 5,013 |
| Noncurrent loans to loans | 1.1770% | 4,186 |
| Net loans and leases to total assets | 56.0102% | 4,468 |
| Net loans and leases to deposits | 67.9331% | 4,215 |
| Net loans and leases to core deposits | 75.5532% | 3,809 |
| Total domestic deposits to total assets | 82.4491% | 4,967 |
| Equity capital to assets | 8.5771% | 6,138 |
| Core capital (leverage) ratio | 10.3869% | 2,936 |
| Tier 1 risk-based capital ratio | 16.1448% | 3,098 |
| Total risk-based capital ratio | 17.4068% | 3,052 |
| Memoranda: | ||
| Average total assets | $176,135,330 | 3,423 |
| Average earning assets | $162,095,000 | 3,385 |
| Average equity | $15,676,670 | 3,856 |
| Average total loans | $109,976,330 | 3,333 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9711% | 5,855 |
| Cost of funding earning assets | 0.1587% | 7,171 |
| Net interest margin | 3.8123% | 3,336 |
| Noninterest income to average assets | 2.4974% | 302 |
| Noninterest expense to average assets | 5.8089% | 227 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2333% | 5,876 |
| Return on assets (ROA) | 0.2333% | 6,025 |
| Pretax return on assets | 0.2333% | 6,126 |
| Return on Equity (ROE) | 2.5680% | 5,880 |
| Retained earnings to average equity (ytd only) | 2.5680% | 4,973 |
| Net charge-offs to loans | 0.0763% | 3,735 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 4.6667% | 2,525 |
| Efficiency ratio | 96.1387% | 715 |
| Assets per employee ($millions) | 1.9411% | 7,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0304% | 2,267 |
| Loan loss allowance to noncurrent loans | 178.7700% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.7400% | 5,067 |
| Noncurrent loans to loans | 1.1358% | 4,439 |
| Net loans and leases to total assets | 59.9420% | 3,680 |
| Net loans and leases to deposits | 69.6848% | 3,772 |
| Net loans and leases to core deposits | 78.0132% | 3,320 |
| Total domestic deposits to total assets | 86.0188% | 3,518 |
| Equity capital to assets | 8.9535% | 5,565 |
| Core capital (leverage) ratio | 9.0712% | 4,726 |
| Tier 1 risk-based capital ratio | 14.2747% | 4,261 |
| Total risk-based capital ratio | 15.5397% | 4,221 |
| Memoranda: | ||
| Average total assets | $168,017,000 | 3,555 |
| Average earning assets | $156,230,000 | 3,509 |
| Average equity | $15,265,000 | 3,943 |
| Average total loans | $110,037,000 | 3,351 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5342% | 6,976 |
| Cost of funding earning assets | 0.1643% | 7,269 |
| Net interest margin | 3.3700% | 5,579 |
| Noninterest income to average assets | 2.1986% | 331 |
| Noninterest expense to average assets | 5.3244% | 293 |
| Loan and lease loss provision to assets | 0.6850% | 1,495 |
| Net operating income to assets | -0.6728% | 6,594 |
| Return on assets (ROA) | -0.6728% | 6,628 |
| Pretax return on assets | -0.6728% | 6,585 |
| Return on Equity (ROE) | -7.9226% | 6,672 |
| Retained earnings to average equity (ytd only) | -7.9226% | 6,619 |
| Net charge-offs to loans | 1.4086% | 1,157 |
| Credit loss provision to net charge-offs | 84.1962% | 4,272 |
| Earnings coverage of net charge-offs (x) | 0.0150% | 5,807 |
| Efficiency ratio | 99.7715% | 681 |
| Assets per employee ($millions) | 1.9669% | 7,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8544% | 2,693 |
| Loan loss allowance to noncurrent loans | 157.4578% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.8250% | 4,982 |
| Noncurrent loans to loans | 1.1777% | 4,406 |
| Net loans and leases to total assets | 68.6477% | 2,280 |
| Net loans and leases to deposits | 80.5030% | 2,428 |
| Net loans and leases to core deposits | 90.6351% | 2,029 |
| Total domestic deposits to total assets | 85.2735% | 3,707 |
| Equity capital to assets | 9.2217% | 5,256 |
| Core capital (leverage) ratio | 8.9509% | 4,860 |
| Tier 1 risk-based capital ratio | 13.4999% | 4,696 |
| Total risk-based capital ratio | 14.7692% | 4,648 |
| Memoranda: | ||
| Average total assets | $180,434,600 | 3,327 |
| Average earning assets | $168,013,200 | 3,279 |
| Average equity | $15,323,200 | 3,848 |
| Average total loans | $104,215,200 | 3,521 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4319% | 7,120 |
| Cost of funding earning assets | 0.1676% | 7,352 |
| Net interest margin | 3.2643% | 5,969 |
| Noninterest income to average assets | 1.9004% | 411 |
| Noninterest expense to average assets | 5.1685% | 321 |
| Loan and lease loss provision to assets | 0.8945% | 1,006 |
| Net operating income to assets | -1.1188% | 6,927 |
| Return on assets (ROA) | -1.1188% | 6,954 |
| Pretax return on assets | -1.1188% | 6,913 |
| Return on Equity (ROE) | -13.4329% | 6,978 |
| Retained earnings to average equity (ytd only) | -13.4329% | 6,954 |
| Net charge-offs to loans | 1.8728% | 698 |
| Credit loss provision to net charge-offs | 86.7978% | 3,895 |
| Earnings coverage of net charge-offs (x) | -0.2177% | 5,726 |
| Efficiency ratio | 104.5375% | 536 |
| Assets per employee ($millions) | 2.1267% | 7,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0940% | 2,073 |
| Loan loss allowance to noncurrent loans | 126.0369% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 1.0668% | 4,641 |
| Noncurrent loans to loans | 1.6615% | 3,805 |
| Net loans and leases to total assets | 60.1285% | 4,105 |
| Net loans and leases to deposits | 69.9657% | 4,305 |
| Net loans and leases to core deposits | 77.2774% | 4,008 |
| Total domestic deposits to total assets | 85.9399% | 3,254 |
| Equity capital to assets | 8.7901% | 5,989 |
| Core capital (leverage) ratio | 8.8315% | 5,209 |
| Tier 1 risk-based capital ratio | 14.0318% | 4,335 |
| Total risk-based capital ratio | 15.3038% | 4,290 |
| Memoranda: | ||
| Average total assets | $184,238,500 | 3,289 |
| Average earning assets | $171,794,500 | 3,222 |
| Average equity | $15,345,000 | 3,852 |
| Average total loans | $101,378,500 | 3,613 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3615% | 7,227 |
| Cost of funding earning assets | 0.1716% | 7,428 |
| Net interest margin | 3.1899% | 6,192 |
| Noninterest income to average assets | 1.5582% | 528 |
| Noninterest expense to average assets | 5.1498% | 329 |
| Loan and lease loss provision to assets | 0.7145% | 1,316 |
| Net operating income to assets | -1.3348% | 7,049 |
| Return on assets (ROA) | -1.3348% | 7,055 |
| Pretax return on assets | -1.3348% | 7,012 |
| Return on Equity (ROE) | -16.2973% | 7,094 |
| Retained earnings to average equity (ytd only) | -16.2973% | 7,071 |
| Net charge-offs to loans | 1.5846% | 928 |
| Credit loss provision to net charge-offs | 84.9057% | 3,621 |
| Earnings coverage of net charge-offs (x) | -0.7371% | 5,584 |
| Efficiency ratio | 113.6948% | 415 |
| Assets per employee ($millions) | 2.3456% | 7,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3163% | 1,715 |
| Loan loss allowance to noncurrent loans | 155.0894% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.9458% | 4,973 |
| Noncurrent loans to loans | 1.4935% | 4,178 |
| Net loans and leases to total assets | 53.3461% | 5,380 |
| Net loans and leases to deposits | 62.0925% | 5,490 |
| Net loans and leases to core deposits | 68.2530% | 5,271 |
| Total domestic deposits to total assets | 85.9139% | 3,370 |
| Equity capital to assets | 8.5725% | 6,097 |
| Core capital (leverage) ratio | 8.6562% | 5,293 |
| Tier 1 risk-based capital ratio | 14.9437% | 3,520 |
| Total risk-based capital ratio | 16.2199% | 3,478 |
| Memoranda: | ||
| Average total assets | $188,940,000 | 3,241 |
| Average earning assets | $175,991,000 | 3,185 |
| Average equity | $15,475,000 | 3,825 |
| Average total loans | $100,342,330 | 3,676 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3914% | 7,271 |
| Cost of funding earning assets | 0.1677% | 7,501 |
| Net interest margin | 3.2237% | 5,998 |
| Noninterest income to average assets | 1.5071% | 573 |
| Noninterest expense to average assets | 5.0876% | 338 |
| Loan and lease loss provision to assets | 1.0809% | 684 |
| Net operating income to assets | -1.6533% | 7,233 |
| Return on assets (ROA) | -1.6533% | 7,235 |
| Pretax return on assets | -1.6533% | 7,205 |
| Return on Equity (ROE) | -20.6274% | 7,227 |
| Retained earnings to average equity (ytd only) | -20.6274% | 7,165 |
| Net charge-offs to loans | 2.0778% | 610 |
| Credit loss provision to net charge-offs | 99.2439% | 2,747 |
| Earnings coverage of net charge-offs (x) | -0.5255% | 4,801 |
| Efficiency ratio | 112.6767% | 448 |
| Assets per employee ($millions) | 2.4085% | 7,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4805% | 1,487 |
| Loan loss allowance to noncurrent loans | 150.3169% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.8700% | 5,166 |
| Noncurrent loans to loans | 1.6502% | 4,006 |
| Net loans and leases to total assets | 45.5506% | 6,326 |
| Net loans and leases to deposits | 52.0525% | 6,472 |
| Net loans and leases to core deposits | 56.4087% | 6,379 |
| Total domestic deposits to total assets | 87.5089% | 2,656 |
| Equity capital to assets | 7.6411% | 6,789 |
| Core capital (leverage) ratio | 8.3054% | 5,801 |
| Tier 1 risk-based capital ratio | 15.2957% | 3,257 |
| Total risk-based capital ratio | 16.5732% | 3,209 |
| Memoranda: | ||
| Average total assets | $194,276,000 | 3,187 |
| Average earning assets | $181,281,000 | 3,125 |
| Average equity | $15,571,500 | 3,801 |
| Average total loans | $101,836,500 | 3,676 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3534% | 6,694 |
| Cost of funding earning assets | 0.2612% | 7,527 |
| Net interest margin | 4.0922% | 2,603 |
| Noninterest income to average assets | 3.1013% | 225 |
| Noninterest expense to average assets | 6.1089% | 221 |
| Loan and lease loss provision to assets | 1.1345% | 1,408 |
| Net operating income to assets | -0.2809% | 6,197 |
| Return on assets (ROA) | -0.1634% | 6,119 |
| Pretax return on assets | -0.2383% | 6,113 |
| Return on Equity (ROE) | -2.0510% | 6,177 |
| Retained earnings to average equity (ytd only) | -2.0510% | 5,974 |
| Net charge-offs to loans | 1.6455% | 1,318 |
| Credit loss provision to net charge-offs | 109.0634% | 4,048 |
| Earnings coverage of net charge-offs (x) | 0.6979% | 5,412 |
| Efficiency ratio | 89.3785% | 1,371 |
| Assets per employee ($millions) | 2.0426% | 7,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1990% | 1,867 |
| Loan loss allowance to noncurrent loans | 116.5277% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 1.3453% | 4,326 |
| Noncurrent loans to loans | 1.8871% | 3,701 |
| Net loans and leases to total assets | 57.4841% | 5,114 |
| Net loans and leases to deposits | 66.8279% | 5,288 |
| Net loans and leases to core deposits | 76.0664% | 4,703 |
| Total domestic deposits to total assets | 86.0181% | 3,350 |
| Equity capital to assets | 8.4317% | 5,948 |
| Core capital (leverage) ratio | 8.0824% | 6,057 |
| Tier 1 risk-based capital ratio | 14.1827% | 3,744 |
| Total risk-based capital ratio | 15.4577% | 3,690 |
| Memoranda: | ||
| Average total assets | $190,919,400 | 3,215 |
| Average earning assets | $174,185,200 | 3,203 |
| Average equity | $15,212,000 | 3,903 |
| Average total loans | $120,692,200 | 3,300 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4369% | 6,753 |
| Cost of funding earning assets | 0.2626% | 7,651 |
| Net interest margin | 4.1743% | 2,320 |
| Noninterest income to average assets | 2.7262% | 247 |
| Noninterest expense to average assets | 5.4850% | 275 |
| Loan and lease loss provision to assets | 1.2220% | 1,164 |
| Net operating income to assets | -0.1228% | 6,210 |
| Return on assets (ROA) | 0.0256% | 6,068 |
| Pretax return on assets | 0.0387% | 6,026 |
| Return on Equity (ROE) | 0.3258% | 6,046 |
| Retained earnings to average equity (ytd only) | 0.3258% | 5,658 |
| Net charge-offs to loans | 1.5739% | 1,262 |
| Credit loss provision to net charge-offs | 120.7934% | 3,412 |
| Earnings coverage of net charge-offs (x) | 1.0239% | 5,034 |
| Efficiency ratio | 84.1150% | 1,826 |
| Assets per employee ($millions) | 2.4729% | 7,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7560% | 2,954 |
| Loan loss allowance to noncurrent loans | 128.5347% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 1.1768% | 4,775 |
| Noncurrent loans to loans | 1.3662% | 4,575 |
| Net loans and leases to total assets | 62.8455% | 4,361 |
| Net loans and leases to deposits | 70.9060% | 5,014 |
| Net loans and leases to core deposits | 78.5580% | 4,730 |
| Total domestic deposits to total assets | 88.6321% | 1,604 |
| Equity capital to assets | 6.8010% | 7,383 |
| Core capital (leverage) ratio | 8.1580% | 6,101 |
| Tier 1 risk-based capital ratio | 11.5849% | 5,843 |
| Total risk-based capital ratio | 12.2656% | 6,347 |
| Memoranda: | ||
| Average total assets | $192,691,750 | 3,249 |
| Average earning assets | $175,161,500 | 3,231 |
| Average equity | $15,140,000 | 3,964 |
| Average total loans | $123,853,000 | 3,286 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7727% | 5,887 |
| Cost of funding earning assets | 0.2913% | 7,718 |
| Net interest margin | 4.4814% | 1,243 |
| Noninterest income to average assets | 3.0897% | 214 |
| Noninterest expense to average assets | 5.3990% | 287 |
| Loan and lease loss provision to assets | 1.3900% | 965 |
| Net operating income to assets | 0.2386% | 5,416 |
| Return on assets (ROA) | 0.2386% | 5,559 |
| Pretax return on assets | 0.3590% | 5,346 |
| Return on Equity (ROE) | 2.8795% | 5,286 |
| Retained earnings to average equity (ytd only) | 2.8795% | 4,306 |
| Net charge-offs to loans | 2.5323% | 675 |
| Credit loss provision to net charge-offs | 85.2349% | 4,563 |
| Earnings coverage of net charge-offs (x) | 1.0725% | 4,724 |
| Efficiency ratio | 75.5321% | 3,155 |
| Assets per employee ($millions) | 2.1547% | 7,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5814% | 3,529 |
| Loan loss allowance to noncurrent loans | 77.8259% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 1.6421% | 3,972 |
| Noncurrent loans to loans | 2.0320% | 3,678 |
| Net loans and leases to total assets | 67.9439% | 3,376 |
| Net loans and leases to deposits | 79.2582% | 3,746 |
| Net loans and leases to core deposits | 87.1099% | 3,673 |
| Total domestic deposits to total assets | 85.7248% | 3,250 |
| Equity capital to assets | 8.4142% | 6,279 |
| Core capital (leverage) ratio | 8.4804% | 5,444 |
| Tier 1 risk-based capital ratio | 12.2057% | 5,123 |
| Total risk-based capital ratio | 13.4599% | 5,085 |
| Memoranda: | ||
| Average total assets | $182,736,670 | 3,401 |
| Average earning assets | $165,484,330 | 3,421 |
| Average equity | $15,141,330 | 3,964 |
| Average total loans | $117,681,670 | 3,441 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6688% | 6,347 |
| Cost of funding earning assets | 0.2808% | 7,829 |
| Net interest margin | 4.3880% | 1,422 |
| Noninterest income to average assets | 2.3398% | 274 |
| Noninterest expense to average assets | 5.2285% | 311 |
| Loan and lease loss provision to assets | 0.6318% | 2,009 |
| Net operating income to assets | 0.3050% | 5,282 |
| Return on assets (ROA) | 0.3050% | 5,406 |
| Pretax return on assets | 0.4619% | 5,078 |
| Return on Equity (ROE) | 3.7092% | 5,026 |
| Retained earnings to average equity (ytd only) | 3.7092% | 3,929 |
| Net charge-offs to loans | 2.4025% | 696 |
| Credit loss provision to net charge-offs | 42.3358% | 4,602 |
| Earnings coverage of net charge-offs (x) | 0.7328% | 4,372 |
| Efficiency ratio | 82.7016% | 2,176 |
| Assets per employee ($millions) | 2.6324% | 6,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5586% | 3,622 |
| Loan loss allowance to noncurrent loans | 52.4309% | 4,822 |
| Noncurrent assets plus other real estate owned to assets | 1.8624% | 3,685 |
| Noncurrent loans to loans | 2.9727% | 2,701 |
| Net loans and leases to total assets | 54.6995% | 5,930 |
| Net loans and leases to deposits | 62.5375% | 6,227 |
| Net loans and leases to core deposits | 64.2014% | 6,438 |
| Total domestic deposits to total assets | 87.4667% | 2,376 |
| Equity capital to assets | 7.2923% | 7,217 |
| Core capital (leverage) ratio | 8.4410% | 5,480 |
| Tier 1 risk-based capital ratio | 12.0608% | 5,140 |
| Total risk-based capital ratio | 13.3074% | 5,106 |
| Memoranda: | ||
| Average total assets | $183,609,000 | 3,451 |
| Average earning assets | $166,637,000 | 3,454 |
| Average equity | $15,097,500 | 4,000 |
| Average total loans | $114,048,000 | 3,592 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4779% | 7,402 |
| Cost of funding earning assets | 0.3619% | 7,883 |
| Net interest margin | 4.1160% | 2,382 |
| Noninterest income to average assets | 0.8441% | 2,206 |
| Noninterest expense to average assets | 4.6370% | 691 |
| Loan and lease loss provision to assets | 0.3479% | 4,717 |
| Net operating income to assets | -0.2860% | 5,952 |
| Return on assets (ROA) | -0.2157% | 5,851 |
| Pretax return on assets | -0.3245% | 5,857 |
| Return on Equity (ROE) | -2.6069% | 5,934 |
| Retained earnings to average equity (ytd only) | -2.6069% | 5,631 |
| Net charge-offs to loans | 1.7127% | 1,470 |
| Credit loss provision to net charge-offs | 35.9338% | 6,862 |
| Earnings coverage of net charge-offs (x) | -0.0857% | 6,317 |
| Efficiency ratio | 101.8221% | 1,016 |
| Assets per employee ($millions) | 1.9662% | 7,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9513% | 2,141 |
| Loan loss allowance to noncurrent loans | 58.9214% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 2.8595% | 2,456 |
| Noncurrent loans to loans | 3.3116% | 2,306 |
| Net loans and leases to total assets | 69.2873% | 3,419 |
| Net loans and leases to deposits | 83.2965% | 3,400 |
| Net loans and leases to core deposits | 90.5709% | 5,063 |
| Total domestic deposits to total assets | 83.1816% | 4,435 |
| Equity capital to assets | 9.4374% | 4,504 |
| Core capital (leverage) ratio | 8.7321% | 4,867 |
| Tier 1 risk-based capital ratio | 12.6025% | 4,440 |
| Total risk-based capital ratio | 13.7664% | 4,459 |
| Memoranda: | ||
| Average total assets | $174,744,800 | 3,520 |
| Average earning assets | $157,506,400 | 3,566 |
| Average equity | $14,461,400 | 4,155 |
| Average total loans | $98,791,600 | 3,989 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9826% | 7,809 |
| Cost of funding earning assets | 0.3704% | 7,977 |
| Net interest margin | 3.6122% | 4,433 |
| Noninterest income to average assets | 0.7091% | 2,958 |
| Noninterest expense to average assets | 4.3138% | 899 |
| Loan and lease loss provision to assets | 0.3792% | 4,054 |
| Net operating income to assets | -0.4834% | 6,410 |
| Return on assets (ROA) | -0.3964% | 6,314 |
| Pretax return on assets | -0.5927% | 6,384 |
| Return on Equity (ROE) | -4.9443% | 6,445 |
| Retained earnings to average equity (ytd only) | -4.9443% | 6,248 |
| Net charge-offs to loans | 2.2442% | 852 |
| Credit loss provision to net charge-offs | 31.6511% | 6,492 |
| Earnings coverage of net charge-offs (x) | -0.2866% | 6,348 |
| Efficiency ratio | 108.6482% | 792 |
| Assets per employee ($millions) | 3.2178% | 5,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1499% | 1,503 |
| Loan loss allowance to noncurrent loans | 52.5771% | 4,814 |
| Noncurrent assets plus other real estate owned to assets | 2.6247% | 2,652 |
| Noncurrent loans to loans | 4.0891% | 1,789 |
| Net loans and leases to total assets | 50.6170% | 6,730 |
| Net loans and leases to deposits | 58.6079% | 6,929 |
| Net loans and leases to core deposits | 61.5613% | 7,340 |
| Total domestic deposits to total assets | 86.3654% | 2,502 |
| Equity capital to assets | 7.5654% | 7,249 |
| Core capital (leverage) ratio | 8.6301% | 5,256 |
| Tier 1 risk-based capital ratio | 12.1908% | 4,803 |
| Total risk-based capital ratio | 13.4511% | 4,737 |
| Memoranda: | ||
| Average total assets | $178,616,000 | 3,487 |
| Average earning assets | $161,263,750 | 3,525 |
| Average equity | $14,319,250 | 4,225 |
| Average total loans | $95,353,750 | 4,109 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1032% | 7,874 |
| Cost of funding earning assets | 0.4157% | 8,066 |
| Net interest margin | 3.6875% | 4,008 |
| Noninterest income to average assets | 0.6426% | 3,394 |
| Noninterest expense to average assets | 4.2819% | 967 |
| Loan and lease loss provision to assets | 0.9761% | 1,730 |
| Net operating income to assets | -0.8613% | 6,873 |
| Return on assets (ROA) | -0.7283% | 6,777 |
| Pretax return on assets | -1.0965% | 6,880 |
| Return on Equity (ROE) | -8.8953% | 6,960 |
| Retained earnings to average equity (ytd only) | -8.8953% | 6,763 |
| Net charge-offs to loans | 0.8168% | 2,053 |
| Credit loss provision to net charge-offs | 221.2598% | 2,076 |
| Earnings coverage of net charge-offs (x) | -0.7297% | 6,155 |
| Efficiency ratio | 108.1287% | 905 |
| Assets per employee ($millions) | 3.0826% | 5,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8930% | 284 |
| Loan loss allowance to noncurrent loans | 47.6931% | 5,180 |
| Noncurrent assets plus other real estate owned to assets | 5.2075% | 990 |
| Noncurrent loans to loans | 8.1625% | 534 |
| Net loans and leases to total assets | 54.4877% | 6,386 |
| Net loans and leases to deposits | 64.4212% | 6,524 |
| Net loans and leases to core deposits | 68.8391% | 7,081 |
| Total domestic deposits to total assets | 84.5803% | 3,463 |
| Equity capital to assets | 8.0876% | 6,645 |
| Core capital (leverage) ratio | 8.3608% | 5,694 |
| Tier 1 risk-based capital ratio | 12.5715% | 4,464 |
| Total risk-based capital ratio | 13.8373% | 4,371 |
| Memoranda: | ||
| Average total assets | $172,725,330 | 3,590 |
| Average earning assets | $155,391,670 | 3,645 |
| Average equity | $14,142,330 | 4,272 |
| Average total loans | $93,292,330 | 4,198 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0721% | 7,957 |
| Cost of funding earning assets | 0.4962% | 8,101 |
| Net interest margin | 3.5759% | 4,427 |
| Noninterest income to average assets | 0.5645% | 3,799 |
| Noninterest expense to average assets | 4.2750% | 874 |
| Loan and lease loss provision to assets | 0.3901% | 2,988 |
| Net operating income to assets | -0.5874% | 6,955 |
| Return on assets (ROA) | -0.5874% | 7,003 |
| Pretax return on assets | -0.8926% | 7,094 |
| Return on Equity (ROE) | -7.1322% | 7,158 |
| Retained earnings to average equity (ytd only) | -7.1322% | 6,807 |
| Net charge-offs to loans | 0.8490% | 1,537 |
| Credit loss provision to net charge-offs | 87.1795% | 4,062 |
| Earnings coverage of net charge-offs (x) | -1.1231% | 5,387 |
| Efficiency ratio | 113.3212% | 745 |
| Assets per employee ($millions) | 3.3611% | 5,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4916% | 324 |
| Loan loss allowance to noncurrent loans | 41.0260% | 5,808 |
| Noncurrent assets plus other real estate owned to assets | 4.4139% | 1,098 |
| Noncurrent loans to loans | 8.5106% | 401 |
| Net loans and leases to total assets | 47.7997% | 7,044 |
| Net loans and leases to deposits | 57.3580% | 7,080 |
| Net loans and leases to core deposits | 60.6385% | 7,431 |
| Total domestic deposits to total assets | 83.3357% | 3,986 |
| Equity capital to assets | 7.5565% | 7,304 |
| Core capital (leverage) ratio | 8.5457% | 5,438 |
| Tier 1 risk-based capital ratio | 12.6689% | 4,418 |
| Total risk-based capital ratio | 13.9394% | 4,321 |
| Memoranda: | ||
| Average total assets | $174,316,500 | 3,586 |
| Average earning assets | $156,380,000 | 3,639 |
| Average equity | $14,357,500 | 4,254 |
| Average total loans | $91,877,500 | 4,264 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7723% | 7,949 |
| Cost of funding earning assets | 1.2268% | 7,915 |
| Net interest margin | 3.5455% | 5,121 |
| Noninterest income to average assets | 1.1563% | 1,156 |
| Noninterest expense to average assets | 3.8029% | 1,747 |
| Loan and lease loss provision to assets | 1.2723% | 1,124 |
| Net operating income to assets | -0.4723% | 6,900 |
| Return on assets (ROA) | -0.4713% | 6,779 |
| Pretax return on assets | -0.7326% | 6,834 |
| Return on Equity (ROE) | -5.8480% | 6,954 |
| Retained earnings to average equity (ytd only) | -10.3863% | 7,103 |
| Net charge-offs to loans | 0.3477% | 3,094 |
| Credit loss provision to net charge-offs | 885.4545% | 499 |
| Earnings coverage of net charge-offs (x) | 3.7455% | 4,234 |
| Efficiency ratio | 87.6023% | 1,709 |
| Assets per employee ($millions) | 3.0266% | 5,997 |
| Cash dividends to net income (ytd only)* | -77.6053% | 8,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6231% | 253 |
| Loan loss allowance to noncurrent loans | 50.9792% | 5,444 |
| Noncurrent assets plus other real estate owned to assets | 4.0895% | 992 |
| Noncurrent loans to loans | 7.1070% | 425 |
| Net loans and leases to total assets | 54.3919% | 6,613 |
| Net loans and leases to deposits | 71.2012% | 6,142 |
| Net loans and leases to core deposits | 78.3291% | 6,735 |
| Total domestic deposits to total assets | 76.3917% | 6,146 |
| Equity capital to assets | 9.0343% | 5,328 |
| Core capital (leverage) ratio | 7.9122% | 6,638 |
| Tier 1 risk-based capital ratio | 13.5775% | 3,772 |
| Total risk-based capital ratio | 14.8463% | 3,673 |
| Memoranda: | ||
| Average total assets | $191,379,600 | 3,250 |
| Average earning assets | $171,908,800 | 3,307 |
| Average equity | $15,424,200 | 4,045 |
| Average total loans | $79,097,000 | 4,551 |