Home > Liberty Bank for Savings > Performance and Condition Ratios
Liberty Bank for Savings, 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 | 2.9793% | 4,527 |
| Cost of funding earning assets | 0.7637% | 3,827 |
| Net interest margin | 2.2157% | 4,305 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 2.1123% | 3,378 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.1598% | 4,204 |
| Return on assets (ROA) | 0.1407% | 4,244 |
| Pretax return on assets | 0.1808% | 4,212 |
| Return on Equity (ROE) | 0.6600% | 4,292 |
| Retained earnings to average equity (ytd only) | 0.6597% | 3,914 |
| Net charge-offs to loans | 0.0006% | 2,879 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 590.0000% | 249 |
| Efficiency ratio | 91.1553% | 382 |
| Assets per employee ($millions) | 8.8780% | 1,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5693% | 4,280 |
| Loan loss allowance to noncurrent loans | 330.7777% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.1060% | 2,827 |
| Noncurrent loans to loans | 0.1721% | 2,657 |
| Net loans and leases to total assets | 61.2500% | 2,733 |
| Net loans and leases to deposits | 80.5249% | 2,059 |
| Net loans and leases to core deposits | 84.4706% | 2,421 |
| Total domestic deposits to total assets | 76.0700% | 3,936 |
| Equity capital to assets | 21.9499% | 238 |
| Core capital (leverage) ratio | 23.4639% | 184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.1958% | 107 |
| Memoranda: | ||
| Average total assets | $863,595,400 | 1,116 |
| Average earning assets | $827,567,200 | 1,088 |
| Average equity | $184,163,400 | 578 |
| Average total loans | $515,579,800 | 1,200 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9370% | 4,539 |
| Cost of funding earning assets | 0.6702% | 3,831 |
| Net interest margin | 2.2668% | 4,318 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 2.1132% | 3,319 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.2015% | 4,225 |
| Return on assets (ROA) | 0.1760% | 4,271 |
| Pretax return on assets | 0.2249% | 4,226 |
| Return on Equity (ROE) | 0.8300% | 4,331 |
| Retained earnings to average equity (ytd only) | 0.8315% | 3,982 |
| Net charge-offs to loans | 0.0010% | 2,590 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 416.7500% | 352 |
| Efficiency ratio | 89.1500% | 402 |
| Assets per employee ($millions) | 8.4627% | 1,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5820% | 4,292 |
| Loan loss allowance to noncurrent loans | 286.4326% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.1233% | 2,743 |
| Noncurrent loans to loans | 0.2032% | 2,542 |
| Net loans and leases to total assets | 60.3300% | 2,809 |
| Net loans and leases to deposits | 77.8024% | 2,268 |
| Net loans and leases to core deposits | 81.5020% | 2,502 |
| Total domestic deposits to total assets | 77.5500% | 3,873 |
| Equity capital to assets | 21.2113% | 258 |
| Core capital (leverage) ratio | 23.0966% | 192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.6602% | 103 |
| Memoranda: | ||
| Average total assets | $864,202,750 | 1,119 |
| Average earning assets | $827,814,500 | 1,087 |
| Average equity | $182,948,000 | 573 |
| Average total loans | $511,845,500 | 1,202 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9105% | 4,568 |
| Cost of funding earning assets | 0.5686% | 3,836 |
| Net interest margin | 2.3419% | 4,339 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 2.1161% | 3,307 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.2590% | 4,219 |
| Return on assets (ROA) | 0.2209% | 4,278 |
| Pretax return on assets | 0.2841% | 4,245 |
| Return on Equity (ROE) | 1.0400% | 4,364 |
| Retained earnings to average equity (ytd only) | 1.0442% | 3,902 |
| Net charge-offs to loans | 0.0016% | 2,336 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 360.2500% | 396 |
| Efficiency ratio | 86.4287% | 479 |
| Assets per employee ($millions) | 7.9333% | 1,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5900% | 4,312 |
| Loan loss allowance to noncurrent loans | 308.3759% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.1143% | 2,733 |
| Noncurrent loans to loans | 0.1913% | 2,507 |
| Net loans and leases to total assets | 59.3700% | 2,830 |
| Net loans and leases to deposits | 76.7338% | 2,238 |
| Net loans and leases to core deposits | 80.1799% | 2,461 |
| Total domestic deposits to total assets | 77.3700% | 3,912 |
| Equity capital to assets | 21.4680% | 243 |
| Core capital (leverage) ratio | 23.1264% | 188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.4378% | 97 |
| Memoranda: | ||
| Average total assets | $867,360,333 | 1,105 |
| Average earning assets | $831,124,667 | 1,077 |
| Average equity | $183,497,667 | 566 |
| Average total loans | $509,562,333 | 1,193 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8054% | 4,604 |
| Cost of funding earning assets | 0.4421% | 3,857 |
| Net interest margin | 2.3633% | 4,413 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 2.1690% | 3,186 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.2494% | 4,311 |
| Return on assets (ROA) | 0.1737% | 4,357 |
| Pretax return on assets | 0.2196% | 4,321 |
| Return on Equity (ROE) | 0.8300% | 4,393 |
| Retained earnings to average equity (ytd only) | 0.8272% | 3,892 |
| Net charge-offs to loans | 0.0063% | 1,723 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 86.0000% | 858 |
| Efficiency ratio | 87.3063% | 451 |
| Assets per employee ($millions) | 8.0729% | 1,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5959% | 4,366 |
| Loan loss allowance to noncurrent loans | 298.2196% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.1170% | 2,699 |
| Noncurrent loans to loans | 0.1998% | 2,471 |
| Net loans and leases to total assets | 58.2300% | 2,850 |
| Net loans and leases to deposits | 76.3424% | 2,087 |
| Net loans and leases to core deposits | 79.2291% | 2,307 |
| Total domestic deposits to total assets | 76.2700% | 4,143 |
| Equity capital to assets | 21.4507% | 201 |
| Core capital (leverage) ratio | 22.6752% | 197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.3232% | 96 |
| Memoranda: | ||
| Average total assets | $872,641,500 | 1,119 |
| Average earning assets | $835,958,000 | 1,089 |
| Average equity | $183,278,000 | 577 |
| Average total loans | $508,497,500 | 1,213 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6102% | 4,458 |
| Cost of funding earning assets | 0.1691% | 4,005 |
| Net interest margin | 2.4411% | 4,331 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 2.1320% | 3,211 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.3093% | 4,358 |
| Return on assets (ROA) | 0.3093% | 4,332 |
| Pretax return on assets | 0.3957% | 4,279 |
| Return on Equity (ROE) | 1.4700% | 4,435 |
| Retained earnings to average equity (ytd only) | 1.4675% | 4,108 |
| Net charge-offs to loans | 0.0142% | 1,851 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 49.8732% | 1,367 |
| Efficiency ratio | 84.3464% | 476 |
| Assets per employee ($millions) | 8.3158% | 1,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5916% | 4,349 |
| Loan loss allowance to noncurrent loans | 249.4224% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 0.1375% | 2,568 |
| Noncurrent loans to loans | 0.2372% | 2,328 |
| Net loans and leases to total assets | 57.6300% | 2,851 |
| Net loans and leases to deposits | 75.1055% | 2,169 |
| Net loans and leases to core deposits | 77.0654% | 2,347 |
| Total domestic deposits to total assets | 76.7300% | 4,199 |
| Equity capital to assets | 20.5636% | 213 |
| Core capital (leverage) ratio | 22.2610% | 201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.3345% | 99 |
| Memoranda: | ||
| Average total assets | $894,935,400 | 1,083 |
| Average earning assets | $861,771,200 | 1,044 |
| Average equity | $188,624,200 | 549 |
| Average total loans | $498,715,600 | 1,181 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5675% | 4,412 |
| Cost of funding earning assets | 0.1521% | 3,831 |
| Net interest margin | 2.4154% | 4,304 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 2.1287% | 3,137 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3022% | 4,376 |
| Return on assets (ROA) | 0.3022% | 4,333 |
| Pretax return on assets | 0.3826% | 4,285 |
| Return on Equity (ROE) | 1.4300% | 4,461 |
| Retained earnings to average equity (ytd only) | 1.4253% | 4,152 |
| Net charge-offs to loans | 0.0164% | 1,527 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 42.2623% | 1,366 |
| Efficiency ratio | 84.7636% | 505 |
| Assets per employee ($millions) | 8.0740% | 1,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5983% | 4,383 |
| Loan loss allowance to noncurrent loans | 213.2115% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 0.1725% | 2,421 |
| Noncurrent loans to loans | 0.2806% | 2,249 |
| Net loans and leases to total assets | 56.7600% | 2,829 |
| Net loans and leases to deposits | 72.4158% | 2,171 |
| Net loans and leases to core deposits | 73.7714% | 2,368 |
| Total domestic deposits to total assets | 78.3800% | 4,229 |
| Equity capital to assets | 20.0896% | 215 |
| Core capital (leverage) ratio | 22.1987% | 194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.4997% | 103 |
| Memoranda: | ||
| Average total assets | $898,299,750 | 1,083 |
| Average earning assets | $866,141,500 | 1,046 |
| Average equity | $190,464,250 | 552 |
| Average total loans | $495,641,750 | 1,182 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5340% | 4,346 |
| Cost of funding earning assets | 0.1517% | 3,550 |
| Net interest margin | 2.3823% | 4,249 |
| Noninterest income to average assets | 0.1562% | 4,237 |
| Noninterest expense to average assets | 2.1260% | 3,078 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2617% | 4,348 |
| Return on assets (ROA) | 0.2617% | 4,304 |
| Pretax return on assets | 0.3320% | 4,254 |
| Return on Equity (ROE) | 1.2135% | 4,438 |
| Retained earnings to average equity (ytd only) | 1.2135% | 3,944 |
| Net charge-offs to loans | 0.0236% | 1,251 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 25.8103% | 1,456 |
| Efficiency ratio | 86.4916% | 561 |
| Assets per employee ($millions) | 8.2909% | 1,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6051% | 4,457 |
| Loan loss allowance to noncurrent loans | 240.3800% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 0.1532% | 2,639 |
| Noncurrent loans to loans | 0.2517% | 2,473 |
| Net loans and leases to total assets | 55.6970% | 2,787 |
| Net loans and leases to deposits | 71.6831% | 2,057 |
| Net loans and leases to core deposits | 73.0322% | 2,236 |
| Total domestic deposits to total assets | 77.6990% | 4,370 |
| Equity capital to assets | 20.8735% | 151 |
| Core capital (leverage) ratio | 22.1453% | 139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.2688% | 64 |
| Memoranda: | ||
| Average total assets | $901,687,667 | 1,074 |
| Average earning assets | $871,274,667 | 1,043 |
| Average equity | $194,478,000 | 548 |
| Average total loans | $491,808,333 | 1,184 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4888% | 4,277 |
| Cost of funding earning assets | 0.1539% | 3,444 |
| Net interest margin | 2.3349% | 4,179 |
| Noninterest income to average assets | 0.1578% | 4,211 |
| Noninterest expense to average assets | 2.0892% | 3,180 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2591% | 4,224 |
| Return on assets (ROA) | 0.2591% | 4,196 |
| Pretax return on assets | 0.3293% | 4,144 |
| Return on Equity (ROE) | 1.1823% | 4,392 |
| Retained earnings to average equity (ytd only) | 1.1823% | 3,780 |
| Net charge-offs to loans | 0.0444% | 842 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 13.7963% | 1,381 |
| Efficiency ratio | 86.3827% | 718 |
| Assets per employee ($millions) | 8.9013% | 955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6281% | 4,488 |
| Loan loss allowance to noncurrent loans | 216.2989% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.1684% | 2,609 |
| Noncurrent loans to loans | 0.2904% | 2,432 |
| Net loans and leases to total assets | 53.4818% | 2,820 |
| Net loans and leases to deposits | 69.1792% | 2,040 |
| Net loans and leases to core deposits | 70.4915% | 2,250 |
| Total domestic deposits to total assets | 77.3092% | 4,443 |
| Equity capital to assets | 21.4061% | 134 |
| Core capital (leverage) ratio | 22.2454% | 124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.6025% | 64 |
| Memoranda: | ||
| Average total assets | $904,823,500 | 1,075 |
| Average earning assets | $876,079,000 | 1,043 |
| Average equity | $198,264,500 | 551 |
| Average total loans | $486,834,500 | 1,181 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4902% | 4,486 |
| Cost of funding earning assets | 0.2321% | 3,115 |
| Net interest margin | 2.2581% | 4,450 |
| Noninterest income to average assets | 0.2087% | 4,119 |
| Noninterest expense to average assets | 1.9503% | 3,810 |
| Loan and lease loss provision to assets | -0.0003% | 4,130 |
| Net operating income to assets | 0.3322% | 4,383 |
| Return on assets (ROA) | 0.3351% | 4,397 |
| Pretax return on assets | 0.4251% | 4,366 |
| Return on Equity (ROE) | 1.4632% | 4,561 |
| Retained earnings to average equity (ytd only) | 1.4632% | 4,130 |
| Net charge-offs to loans | 0.0115% | 2,131 |
| Credit loss provision to net charge-offs | -5.4545% | 3,157 |
| Earnings coverage of net charge-offs (x) | 68.6727% | 1,087 |
| Efficiency ratio | 82.2434% | 660 |
| Assets per employee ($millions) | 9.0160% | 915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6317% | 4,518 |
| Loan loss allowance to noncurrent loans | 205.4449% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 0.1654% | 2,780 |
| Noncurrent loans to loans | 0.3075% | 2,491 |
| Net loans and leases to total assets | 53.4493% | 2,915 |
| Net loans and leases to deposits | 69.8527% | 2,146 |
| Net loans and leases to core deposits | 71.2345% | 2,329 |
| Total domestic deposits to total assets | 76.5171% | 4,488 |
| Equity capital to assets | 22.4114% | 121 |
| Core capital (leverage) ratio | 22.3162% | 119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.7703% | 63 |
| Memoranda: | ||
| Average total assets | $896,999,400 | 1,049 |
| Average earning assets | $859,073,600 | 1,023 |
| Average equity | $205,438,200 | 524 |
| Average total loans | $476,237,600 | 1,206 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5111% | 4,561 |
| Cost of funding earning assets | 0.2524% | 3,100 |
| Net interest margin | 2.2587% | 4,520 |
| Noninterest income to average assets | 0.2199% | 4,085 |
| Noninterest expense to average assets | 1.9433% | 3,828 |
| Loan and lease loss provision to assets | -0.0004% | 4,280 |
| Net operating income to assets | 0.3424% | 4,449 |
| Return on assets (ROA) | 0.3463% | 4,479 |
| Pretax return on assets | 0.4375% | 4,441 |
| Return on Equity (ROE) | 1.5039% | 4,647 |
| Retained earnings to average equity (ytd only) | 1.5039% | 4,314 |
| Net charge-offs to loans | 0.0155% | 1,774 |
| Credit loss provision to net charge-offs | -5.4545% | 3,044 |
| Earnings coverage of net charge-offs (x) | 52.6545% | 1,214 |
| Efficiency ratio | 81.8090% | 643 |
| Assets per employee ($millions) | 8.9212% | 918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6330% | 4,591 |
| Loan loss allowance to noncurrent loans | 138.1250% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 0.2615% | 2,463 |
| Noncurrent loans to loans | 0.4582% | 2,188 |
| Net loans and leases to total assets | 53.9070% | 2,982 |
| Net loans and leases to deposits | 70.9887% | 2,145 |
| Net loans and leases to core deposits | 72.3904% | 2,394 |
| Total domestic deposits to total assets | 75.9374% | 4,543 |
| Equity capital to assets | 22.8329% | 120 |
| Core capital (leverage) ratio | 22.2692% | 126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 55.1374% | 63 |
| Memoranda: | ||
| Average total assets | $893,596,000 | 1,063 |
| Average earning assets | $852,722,000 | 1,039 |
| Average equity | $205,777,500 | 528 |
| Average total loans | $472,844,500 | 1,233 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4914% | 4,621 |
| Cost of funding earning assets | 0.2769% | 3,020 |
| Net interest margin | 2.2144% | 4,585 |
| Noninterest income to average assets | 0.2399% | 3,964 |
| Noninterest expense to average assets | 1.9479% | 3,842 |
| Loan and lease loss provision to assets | -0.0007% | 4,369 |
| Net operating income to assets | 0.3196% | 4,504 |
| Return on assets (ROA) | 0.3196% | 4,528 |
| Pretax return on assets | 0.3943% | 4,507 |
| Return on Equity (ROE) | 1.3839% | 4,659 |
| Retained earnings to average equity (ytd only) | 1.3839% | 4,262 |
| Net charge-offs to loans | 0.0222% | 1,501 |
| Credit loss provision to net charge-offs | -5.7692% | 2,900 |
| Earnings coverage of net charge-offs (x) | 33.7308% | 1,248 |
| Efficiency ratio | 83.1880% | 600 |
| Assets per employee ($millions) | 9.0447% | 843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6363% | 4,616 |
| Loan loss allowance to noncurrent loans | 107.7967% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 0.3430% | 2,222 |
| Noncurrent loans to loans | 0.5903% | 1,924 |
| Net loans and leases to total assets | 53.4719% | 3,198 |
| Net loans and leases to deposits | 70.2872% | 2,377 |
| Net loans and leases to core deposits | 71.6660% | 2,631 |
| Total domestic deposits to total assets | 76.0763% | 4,558 |
| Equity capital to assets | 22.7860% | 116 |
| Core capital (leverage) ratio | 22.5681% | 119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 55.3133% | 67 |
| Memoranda: | ||
| Average total assets | $891,112,667 | 1,061 |
| Average earning assets | $845,718,000 | 1,042 |
| Average equity | $205,791,667 | 523 |
| Average total loans | $467,519,000 | 1,250 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5087% | 4,636 |
| Cost of funding earning assets | 0.2998% | 2,995 |
| Net interest margin | 2.2088% | 4,605 |
| Noninterest income to average assets | 0.2460% | 3,921 |
| Noninterest expense to average assets | 1.9646% | 3,822 |
| Loan and lease loss provision to assets | -0.0014% | 4,550 |
| Net operating income to assets | 0.3044% | 4,513 |
| Return on assets (ROA) | 0.3044% | 4,548 |
| Pretax return on assets | 0.3785% | 4,520 |
| Return on Equity (ROE) | 1.3091% | 4,679 |
| Retained earnings to average equity (ytd only) | 1.3091% | 4,156 |
| Net charge-offs to loans | 0.0096% | 1,572 |
| Credit loss provision to net charge-offs | -27.2727% | 2,719 |
| Earnings coverage of net charge-offs (x) | 75.8182% | 727 |
| Efficiency ratio | 83.8934% | 600 |
| Assets per employee ($millions) | 8.9772% | 843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6582% | 4,626 |
| Loan loss allowance to noncurrent loans | 119.9541% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 0.3239% | 2,521 |
| Noncurrent loans to loans | 0.5487% | 2,215 |
| Net loans and leases to total assets | 53.2924% | 3,311 |
| Net loans and leases to deposits | 70.7398% | 2,438 |
| Net loans and leases to core deposits | 72.3196% | 2,672 |
| Total domestic deposits to total assets | 75.3358% | 4,613 |
| Equity capital to assets | 23.0945% | 113 |
| Core capital (leverage) ratio | 22.8357% | 120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.2539% | 63 |
| Memoranda: | ||
| Average total assets | $884,432,500 | 1,054 |
| Average earning assets | $839,174,000 | 1,037 |
| Average equity | $205,641,000 | 517 |
| Average total loans | $457,910,500 | 1,270 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8838% | 4,710 |
| Cost of funding earning assets | 0.5512% | 2,607 |
| Net interest margin | 2.3326% | 4,700 |
| Noninterest income to average assets | 0.2001% | 4,280 |
| Noninterest expense to average assets | 1.9828% | 4,170 |
| Loan and lease loss provision to assets | -0.0002% | 4,894 |
| Net operating income to assets | 0.3651% | 4,316 |
| Return on assets (ROA) | 0.3709% | 4,381 |
| Pretax return on assets | 0.4654% | 4,332 |
| Return on Equity (ROE) | 1.5644% | 4,614 |
| Retained earnings to average equity (ytd only) | 1.5644% | 4,007 |
| Net charge-offs to loans | 0.0256% | 2,527 |
| Credit loss provision to net charge-offs | -1.6807% | 3,657 |
| Earnings coverage of net charge-offs (x) | 33.2185% | 1,527 |
| Efficiency ratio | 81.2361% | 796 |
| Assets per employee ($millions) | 8.8012% | 794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7181% | 4,560 |
| Loan loss allowance to noncurrent loans | 117.8251% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 0.3339% | 2,652 |
| Noncurrent loans to loans | 0.6095% | 2,176 |
| Net loans and leases to total assets | 49.5270% | 3,860 |
| Net loans and leases to deposits | 65.7449% | 3,298 |
| Net loans and leases to core deposits | 67.3429% | 3,452 |
| Total domestic deposits to total assets | 75.3321% | 4,550 |
| Equity capital to assets | 23.4094% | 113 |
| Core capital (leverage) ratio | 23.0360% | 119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 58.6590% | 56 |
| Memoranda: | ||
| Average total assets | $863,134,000 | 999 |
| Average earning assets | $829,110,000 | 974 |
| Average equity | $204,621,000 | 495 |
| Average total loans | $465,717,800 | 1,194 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9580% | 4,762 |
| Cost of funding earning assets | 0.6016% | 2,605 |
| Net interest margin | 2.3564% | 4,751 |
| Noninterest income to average assets | 0.2108% | 4,216 |
| Noninterest expense to average assets | 1.9884% | 4,170 |
| Loan and lease loss provision to assets | -0.0003% | 4,955 |
| Net operating income to assets | 0.3944% | 4,277 |
| Return on assets (ROA) | 0.4021% | 4,324 |
| Pretax return on assets | 0.5028% | 4,273 |
| Return on Equity (ROE) | 1.6905% | 4,597 |
| Retained earnings to average equity (ytd only) | 1.6905% | 4,034 |
| Net charge-offs to loans | 0.0003% | 3,239 |
| Credit loss provision to net charge-offs | -200.0000% | 3,646 |
| Earnings coverage of net charge-offs (x) | 3,175.0000% | 25 |
| Efficiency ratio | 80.1364% | 862 |
| Assets per employee ($millions) | 8.3510% | 891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7332% | 4,519 |
| Loan loss allowance to noncurrent loans | 92.5947% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 0.4207% | 2,483 |
| Noncurrent loans to loans | 0.7919% | 1,840 |
| Net loans and leases to total assets | 51.0665% | 4,025 |
| Net loans and leases to deposits | 68.1266% | 3,455 |
| Net loans and leases to core deposits | 69.9592% | 3,628 |
| Total domestic deposits to total assets | 74.9582% | 4,505 |
| Equity capital to assets | 23.7226% | 113 |
| Core capital (leverage) ratio | 23.0945% | 124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 58.5730% | 64 |
| Memoranda: | ||
| Average total assets | $858,886,500 | 992 |
| Average earning assets | $827,577,500 | 961 |
| Average equity | $204,268,250 | 490 |
| Average total loans | $472,384,250 | 1,187 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0212% | 4,831 |
| Cost of funding earning assets | 0.6472% | 2,718 |
| Net interest margin | 2.3741% | 4,803 |
| Noninterest income to average assets | 0.1942% | 4,304 |
| Noninterest expense to average assets | 1.9830% | 4,266 |
| Loan and lease loss provision to assets | -0.0005% | 4,995 |
| Net operating income to assets | 0.3969% | 4,236 |
| Return on assets (ROA) | 0.4083% | 4,280 |
| Pretax return on assets | 0.5275% | 4,204 |
| Return on Equity (ROE) | 1.7154% | 4,581 |
| Retained earnings to average equity (ytd only) | 1.7154% | 3,866 |
| Net charge-offs to loans | 0.0012% | 2,984 |
| Credit loss provision to net charge-offs | -66.6667% | 3,378 |
| Earnings coverage of net charge-offs (x) | 731.0000% | 133 |
| Efficiency ratio | 79.4605% | 927 |
| Assets per employee ($millions) | 8.4734% | 812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6885% | 4,590 |
| Loan loss allowance to noncurrent loans | 85.9346% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 0.4383% | 2,560 |
| Noncurrent loans to loans | 0.8012% | 1,891 |
| Net loans and leases to total assets | 54.3260% | 3,846 |
| Net loans and leases to deposits | 72.4054% | 3,217 |
| Net loans and leases to core deposits | 74.3011% | 3,438 |
| Total domestic deposits to total assets | 75.0303% | 4,515 |
| Equity capital to assets | 23.6093% | 113 |
| Core capital (leverage) ratio | 23.1824% | 120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.2577% | 64 |
| Memoranda: | ||
| Average total assets | $855,679,000 | 976 |
| Average earning assets | $829,465,000 | 936 |
| Average equity | $203,680,000 | 491 |
| Average total loans | $480,914,667 | 1,151 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1110% | 4,909 |
| Cost of funding earning assets | 0.6950% | 2,957 |
| Net interest margin | 2.4160% | 4,867 |
| Noninterest income to average assets | 0.2073% | 4,306 |
| Noninterest expense to average assets | 2.1116% | 4,191 |
| Loan and lease loss provision to assets | -0.0005% | 5,026 |
| Net operating income to assets | 0.3481% | 4,247 |
| Return on assets (ROA) | 0.3485% | 4,279 |
| Pretax return on assets | 0.4424% | 4,217 |
| Return on Equity (ROE) | 1.4578% | 4,556 |
| Retained earnings to average equity (ytd only) | 1.4578% | 3,612 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7076% | 919 |
| Assets per employee ($millions) | 8.2460% | 672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6829% | 4,641 |
| Loan loss allowance to noncurrent loans | 125.6586% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 0.3084% | 3,211 |
| Noncurrent loans to loans | 0.5435% | 2,637 |
| Net loans and leases to total assets | 56.3534% | 3,812 |
| Net loans and leases to deposits | 75.4088% | 3,129 |
| Net loans and leases to core deposits | 77.5231% | 3,389 |
| Total domestic deposits to total assets | 74.7306% | 4,602 |
| Equity capital to assets | 24.1327% | 125 |
| Core capital (leverage) ratio | 23.4099% | 138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.2630% | 70 |
| Memoranda: | ||
| Average total assets | $847,138,000 | 964 |
| Average earning assets | $822,504,500 | 917 |
| Average equity | $202,493,500 | 489 |
| Average total loans | $482,660,500 | 1,126 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1318% | 5,021 |
| Cost of funding earning assets | 0.6886% | 3,218 |
| Net interest margin | 2.4432% | 4,993 |
| Noninterest income to average assets | 0.1808% | 4,585 |
| Noninterest expense to average assets | 2.0592% | 4,428 |
| Loan and lease loss provision to assets | -0.0010% | 4,900 |
| Net operating income to assets | 0.3830% | 4,627 |
| Return on assets (ROA) | 0.3843% | 4,654 |
| Pretax return on assets | 0.4885% | 4,594 |
| Return on Equity (ROE) | 1.6223% | 4,841 |
| Retained earnings to average equity (ytd only) | 1.6223% | 4,154 |
| Net charge-offs to loans | -0.0045% | 4,328 |
| Credit loss provision to net charge-offs | 38.0952% | 3,217 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9097% | 873 |
| Assets per employee ($millions) | 8.2837% | 644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6810% | 4,609 |
| Loan loss allowance to noncurrent loans | 125.2664% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 0.3110% | 3,179 |
| Noncurrent loans to loans | 0.5436% | 2,541 |
| Net loans and leases to total assets | 56.8215% | 3,863 |
| Net loans and leases to deposits | 75.5947% | 3,217 |
| Net loans and leases to core deposits | 77.7038% | 3,465 |
| Total domestic deposits to total assets | 75.1660% | 4,686 |
| Equity capital to assets | 23.6726% | 143 |
| Core capital (leverage) ratio | 23.5006% | 145 |
| Tier 1 risk-based capital ratio | 54.6391% | 113 |
| Total risk-based capital ratio | 55.5566% | 114 |
| Memoranda: | ||
| Average total assets | $829,249,400 | 944 |
| Average earning assets | $802,481,400 | 905 |
| Average equity | $196,445,400 | 480 |
| Average total loans | $466,073,000 | 1,136 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1396% | 5,111 |
| Cost of funding earning assets | 0.6738% | 3,339 |
| Net interest margin | 2.4658% | 5,083 |
| Noninterest income to average assets | 0.1825% | 4,634 |
| Noninterest expense to average assets | 2.0867% | 4,386 |
| Loan and lease loss provision to assets | -0.0010% | 5,023 |
| Net operating income to assets | 0.3804% | 4,753 |
| Return on assets (ROA) | 0.3822% | 4,774 |
| Pretax return on assets | 0.4846% | 4,716 |
| Return on Equity (ROE) | 1.6132% | 4,950 |
| Retained earnings to average equity (ytd only) | 1.6132% | 4,397 |
| Net charge-offs to loans | -0.0098% | 4,371 |
| Credit loss provision to net charge-offs | 17.6471% | 2,977 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2543% | 811 |
| Assets per employee ($millions) | 8.0947% | 670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7004% | 4,652 |
| Loan loss allowance to noncurrent loans | 115.7103% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 0.3461% | 3,127 |
| Noncurrent loans to loans | 0.6053% | 2,469 |
| Net loans and leases to total assets | 56.7824% | 3,991 |
| Net loans and leases to deposits | 75.9778% | 3,293 |
| Net loans and leases to core deposits | 78.1523% | 3,540 |
| Total domestic deposits to total assets | 74.7355% | 4,765 |
| Equity capital to assets | 24.1132% | 139 |
| Core capital (leverage) ratio | 23.4661% | 147 |
| Tier 1 risk-based capital ratio | 55.0406% | 112 |
| Total risk-based capital ratio | 55.9730% | 113 |
| Memoranda: | ||
| Average total assets | $825,326,250 | 952 |
| Average earning assets | $798,466,750 | 908 |
| Average equity | $195,551,750 | 485 |
| Average total loans | $461,741,000 | 1,145 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1307% | 5,176 |
| Cost of funding earning assets | 0.6437% | 3,442 |
| Net interest margin | 2.4870% | 5,132 |
| Noninterest income to average assets | 0.1777% | 4,679 |
| Noninterest expense to average assets | 2.1192% | 4,379 |
| Loan and lease loss provision to assets | -0.0015% | 5,085 |
| Net operating income to assets | 0.3691% | 4,778 |
| Return on assets (ROA) | 0.3691% | 4,798 |
| Pretax return on assets | 0.4653% | 4,748 |
| Return on Equity (ROE) | 1.5671% | 4,999 |
| Retained earnings to average equity (ytd only) | 1.5671% | 4,266 |
| Net charge-offs to loans | 0.0004% | 3,165 |
| Credit loss provision to net charge-offs | -600.0000% | 4,160 |
| Earnings coverage of net charge-offs (x) | 1,914.0000% | 32 |
| Efficiency ratio | 82.0417% | 798 |
| Assets per employee ($millions) | 7.8393% | 708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7161% | 4,678 |
| Loan loss allowance to noncurrent loans | 112.3241% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 0.3506% | 3,131 |
| Noncurrent loans to loans | 0.6376% | 2,345 |
| Net loans and leases to total assets | 54.5902% | 4,175 |
| Net loans and leases to deposits | 72.7632% | 3,617 |
| Net loans and leases to core deposits | 74.7440% | 3,842 |
| Total domestic deposits to total assets | 75.0245% | 4,764 |
| Equity capital to assets | 23.7633% | 142 |
| Core capital (leverage) ratio | 23.6774% | 139 |
| Tier 1 risk-based capital ratio | 56.1045% | 107 |
| Total risk-based capital ratio | 57.0488% | 104 |
| Memoranda: | ||
| Average total assets | $825,214,670 | 944 |
| Average earning assets | $798,163,670 | 904 |
| Average equity | $194,371,330 | 485 |
| Average total loans | $458,275,670 | 1,152 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1401% | 5,227 |
| Cost of funding earning assets | 0.6045% | 3,547 |
| Net interest margin | 2.5356% | 5,174 |
| Noninterest income to average assets | 0.1912% | 4,608 |
| Noninterest expense to average assets | 2.1787% | 4,319 |
| Loan and lease loss provision to assets | -0.0010% | 5,184 |
| Net operating income to assets | 0.3707% | 4,790 |
| Return on assets (ROA) | 0.3707% | 4,796 |
| Pretax return on assets | 0.4640% | 4,757 |
| Return on Equity (ROE) | 1.5807% | 5,014 |
| Retained earnings to average equity (ytd only) | 1.5807% | 4,171 |
| Net charge-offs to loans | -0.0009% | 3,800 |
| Credit loss provision to net charge-offs | 200.0000% | 1,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4710% | 832 |
| Assets per employee ($millions) | 7.7345% | 739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7183% | 4,742 |
| Loan loss allowance to noncurrent loans | 242.0975% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.1652% | 3,988 |
| Noncurrent loans to loans | 0.2967% | 3,503 |
| Net loans and leases to total assets | 55.2650% | 4,117 |
| Net loans and leases to deposits | 73.5329% | 3,484 |
| Net loans and leases to core deposits | 75.3597% | 3,702 |
| Total domestic deposits to total assets | 75.1569% | 4,844 |
| Equity capital to assets | 23.7106% | 134 |
| Core capital (leverage) ratio | 23.5620% | 139 |
| Tier 1 risk-based capital ratio | 56.1552% | 104 |
| Total risk-based capital ratio | 57.1059% | 102 |
| Memoranda: | ||
| Average total assets | $822,339,000 | 957 |
| Average earning assets | $794,758,500 | 905 |
| Average equity | $192,824,500 | 482 |
| Average total loans | $458,964,500 | 1,157 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0302% | 5,218 |
| Cost of funding earning assets | 0.4846% | 3,447 |
| Net interest margin | 2.5455% | 5,188 |
| Noninterest income to average assets | 0.2079% | 4,677 |
| Noninterest expense to average assets | 2.1110% | 4,535 |
| Loan and lease loss provision to assets | -0.0011% | 5,076 |
| Net operating income to assets | 0.4327% | 4,802 |
| Return on assets (ROA) | 0.4082% | 4,840 |
| Pretax return on assets | 0.5241% | 4,766 |
| Return on Equity (ROE) | 1.7871% | 5,072 |
| Retained earnings to average equity (ytd only) | 1.7871% | 4,430 |
| Net charge-offs to loans | 0.0211% | 3,003 |
| Credit loss provision to net charge-offs | -9.1837% | 4,268 |
| Earnings coverage of net charge-offs (x) | 46.7755% | 1,182 |
| Efficiency ratio | 79.2128% | 1,021 |
| Assets per employee ($millions) | 7.9310% | 675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7260% | 4,742 |
| Loan loss allowance to noncurrent loans | 249.7019% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.1627% | 4,012 |
| Noncurrent loans to loans | 0.2908% | 3,520 |
| Net loans and leases to total assets | 55.5521% | 4,163 |
| Net loans and leases to deposits | 73.4279% | 3,550 |
| Net loans and leases to core deposits | 74.9890% | 3,786 |
| Total domestic deposits to total assets | 75.6553% | 4,786 |
| Equity capital to assets | 23.1876% | 143 |
| Core capital (leverage) ratio | 23.4899% | 135 |
| Tier 1 risk-based capital ratio | 55.3204% | 102 |
| Total risk-based capital ratio | 56.2816% | 104 |
| Memoranda: | ||
| Average total assets | $827,478,400 | 927 |
| Average earning assets | $798,737,200 | 881 |
| Average equity | $189,024,800 | 473 |
| Average total loans | $464,393,800 | 1,123 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0052% | 5,286 |
| Cost of funding earning assets | 0.4594% | 3,458 |
| Net interest margin | 2.5458% | 5,257 |
| Noninterest income to average assets | 0.2059% | 4,732 |
| Noninterest expense to average assets | 2.1234% | 4,494 |
| Loan and lease loss provision to assets | -0.0013% | 5,194 |
| Net operating income to assets | 0.4135% | 4,928 |
| Return on assets (ROA) | 0.4139% | 4,933 |
| Pretax return on assets | 0.5414% | 4,834 |
| Return on Equity (ROE) | 1.8188% | 5,152 |
| Retained earnings to average equity (ytd only) | 1.8188% | 4,633 |
| Net charge-offs to loans | 0.0284% | 2,528 |
| Credit loss provision to net charge-offs | -8.0808% | 4,076 |
| Earnings coverage of net charge-offs (x) | 33.8577% | 1,504 |
| Efficiency ratio | 79.7352% | 967 |
| Assets per employee ($millions) | 7.5884% | 740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7229% | 4,828 |
| Loan loss allowance to noncurrent loans | 249.3304% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.1911% | 3,982 |
| Noncurrent loans to loans | 0.2899% | 3,646 |
| Net loans and leases to total assets | 56.1502% | 4,207 |
| Net loans and leases to deposits | 73.9717% | 3,597 |
| Net loans and leases to core deposits | 75.3907% | 3,848 |
| Total domestic deposits to total assets | 75.9076% | 4,798 |
| Equity capital to assets | 22.9624% | 144 |
| Core capital (leverage) ratio | 23.3830% | 131 |
| Tier 1 risk-based capital ratio | 54.6317% | 107 |
| Total risk-based capital ratio | 55.5849% | 107 |
| Memoranda: | ||
| Average total assets | $828,141,750 | 922 |
| Average earning assets | $799,308,250 | 877 |
| Average equity | $188,466,750 | 469 |
| Average total loans | $465,102,500 | 1,118 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9834% | 5,341 |
| Cost of funding earning assets | 0.4351% | 3,462 |
| Net interest margin | 2.5483% | 5,309 |
| Noninterest income to average assets | 0.2128% | 4,741 |
| Noninterest expense to average assets | 2.1318% | 4,536 |
| Loan and lease loss provision to assets | -0.0010% | 5,282 |
| Net operating income to assets | 0.4079% | 4,944 |
| Return on assets (ROA) | 0.4084% | 4,948 |
| Pretax return on assets | 0.5437% | 4,827 |
| Return on Equity (ROE) | 1.8000% | 5,198 |
| Retained earnings to average equity (ytd only) | 1.8000% | 4,521 |
| Net charge-offs to loans | 0.0425% | 2,016 |
| Credit loss provision to net charge-offs | -4.0404% | 3,917 |
| Earnings coverage of net charge-offs (x) | 22.7475% | 1,733 |
| Efficiency ratio | 79.7281% | 1,042 |
| Assets per employee ($millions) | 7.6501% | 725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6986% | 4,948 |
| Loan loss allowance to noncurrent loans | 241.8223% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.1889% | 4,036 |
| Noncurrent loans to loans | 0.2889% | 3,668 |
| Net loans and leases to total assets | 55.7111% | 4,188 |
| Net loans and leases to deposits | 73.1987% | 3,607 |
| Net loans and leases to core deposits | 74.5474% | 3,841 |
| Total domestic deposits to total assets | 76.1094% | 4,845 |
| Equity capital to assets | 22.7821% | 145 |
| Core capital (leverage) ratio | 23.1075% | 136 |
| Tier 1 risk-based capital ratio | 54.5786% | 107 |
| Total risk-based capital ratio | 55.5027% | 107 |
| Memoranda: | ||
| Average total assets | $830,956,670 | 916 |
| Average earning assets | $802,506,330 | 876 |
| Average equity | $188,559,670 | 467 |
| Average total loans | $465,538,670 | 1,123 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9722% | 5,389 |
| Cost of funding earning assets | 0.4156% | 3,476 |
| Net interest margin | 2.5566% | 5,349 |
| Noninterest income to average assets | 0.1814% | 4,942 |
| Noninterest expense to average assets | 2.1850% | 4,453 |
| Loan and lease loss provision to assets | -0.0010% | 5,391 |
| Net operating income to assets | 0.3310% | 5,046 |
| Return on assets (ROA) | 0.3322% | 5,048 |
| Pretax return on assets | 0.4675% | 4,928 |
| Return on Equity (ROE) | 1.4667% | 5,261 |
| Retained earnings to average equity (ytd only) | 1.4667% | 4,505 |
| Net charge-offs to loans | 0.0583% | 1,520 |
| Credit loss provision to net charge-offs | -2.9412% | 3,542 |
| Earnings coverage of net charge-offs (x) | 14.2500% | 1,719 |
| Efficiency ratio | 82.4488% | 908 |
| Assets per employee ($millions) | 7.8376% | 664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6951% | 5,039 |
| Loan loss allowance to noncurrent loans | 232.9772% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.1997% | 4,080 |
| Noncurrent loans to loans | 0.2983% | 3,692 |
| Net loans and leases to total assets | 56.2525% | 4,101 |
| Net loans and leases to deposits | 74.6203% | 3,352 |
| Net loans and leases to core deposits | 75.8038% | 3,688 |
| Total domestic deposits to total assets | 75.3850% | 5,029 |
| Equity capital to assets | 22.6159% | 145 |
| Core capital (leverage) ratio | 22.8048% | 134 |
| Tier 1 risk-based capital ratio | 53.7113% | 110 |
| Total risk-based capital ratio | 54.6351% | 109 |
| Memoranda: | ||
| Average total assets | $833,330,500 | 918 |
| Average earning assets | $804,659,000 | 881 |
| Average equity | $188,725,500 | 473 |
| Average total loans | $466,544,000 | 1,125 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9291% | 5,398 |
| Cost of funding earning assets | 0.3402% | 3,798 |
| Net interest margin | 2.5889% | 5,359 |
| Noninterest income to average assets | 0.1680% | 5,118 |
| Noninterest expense to average assets | 2.0701% | 4,837 |
| Loan and lease loss provision to assets | -0.0267% | 5,346 |
| Net operating income to assets | 0.3951% | 4,713 |
| Return on assets (ROA) | 0.3904% | 4,738 |
| Pretax return on assets | 0.6167% | 4,703 |
| Return on Equity (ROE) | 1.7197% | 5,107 |
| Retained earnings to average equity (ytd only) | 1.7197% | 4,278 |
| Net charge-offs to loans | -0.0268% | 5,029 |
| Credit loss provision to net charge-offs | 180.4878% | 1,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6066% | 1,409 |
| Assets per employee ($millions) | 7.4632% | 781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7224% | 5,024 |
| Loan loss allowance to noncurrent loans | 202.1174% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.2283% | 3,996 |
| Noncurrent loans to loans | 0.3574% | 3,488 |
| Net loans and leases to total assets | 54.9291% | 4,276 |
| Net loans and leases to deposits | 72.4302% | 3,659 |
| Net loans and leases to core deposits | 73.5049% | 3,918 |
| Total domestic deposits to total assets | 75.8372% | 4,993 |
| Equity capital to assets | 22.6781% | 135 |
| Core capital (leverage) ratio | 22.7224% | 127 |
| Tier 1 risk-based capital ratio | 53.8975% | 102 |
| Total risk-based capital ratio | 54.8481% | 102 |
| Memoranda: | ||
| Average total assets | $832,382,600 | 894 |
| Average earning assets | $803,630,400 | 856 |
| Average equity | $188,989,400 | 458 |
| Average total loans | $458,616,400 | 1,106 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9177% | 5,471 |
| Cost of funding earning assets | 0.3280% | 3,864 |
| Net interest margin | 2.5897% | 5,413 |
| Noninterest income to average assets | 0.1761% | 5,134 |
| Noninterest expense to average assets | 2.0811% | 4,775 |
| Loan and lease loss provision to assets | -0.0353% | 5,503 |
| Net operating income to assets | 0.4306% | 4,924 |
| Return on assets (ROA) | 0.4240% | 4,976 |
| Pretax return on assets | 0.6205% | 4,800 |
| Return on Equity (ROE) | 1.8667% | 5,328 |
| Retained earnings to average equity (ytd only) | 1.8667% | 4,687 |
| Net charge-offs to loans | -0.0358% | 5,057 |
| Credit loss provision to net charge-offs | 178.8618% | 1,482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7651% | 1,359 |
| Assets per employee ($millions) | 7.5257% | 757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7198% | 5,096 |
| Loan loss allowance to noncurrent loans | 201.3855% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.2313% | 4,135 |
| Noncurrent loans to loans | 0.3574% | 3,673 |
| Net loans and leases to total assets | 55.7006% | 4,255 |
| Net loans and leases to deposits | 73.3187% | 3,636 |
| Net loans and leases to core deposits | 74.4465% | 3,936 |
| Total domestic deposits to total assets | 75.9706% | 5,019 |
| Equity capital to assets | 22.9914% | 130 |
| Core capital (leverage) ratio | 22.8005% | 130 |
| Tier 1 risk-based capital ratio | 53.7280% | 106 |
| Total risk-based capital ratio | 54.6789% | 105 |
| Memoranda: | ||
| Average total assets | $831,508,250 | 899 |
| Average earning assets | $802,762,500 | 859 |
| Average equity | $188,846,250 | 460 |
| Average total loans | $457,650,000 | 1,114 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9098% | 5,503 |
| Cost of funding earning assets | 0.3175% | 3,904 |
| Net interest margin | 2.5923% | 5,444 |
| Noninterest income to average assets | 0.1636% | 5,237 |
| Noninterest expense to average assets | 2.1114% | 4,754 |
| Loan and lease loss provision to assets | -0.0012% | 5,516 |
| Net operating income to assets | 0.3869% | 5,005 |
| Return on assets (ROA) | 0.3869% | 5,032 |
| Pretax return on assets | 0.5555% | 4,892 |
| Return on Equity (ROE) | 1.7106% | 5,383 |
| Retained earnings to average equity (ytd only) | 1.7106% | 4,572 |
| Net charge-offs to loans | 0.0400% | 2,403 |
| Credit loss provision to net charge-offs | -5.4945% | 4,210 |
| Earnings coverage of net charge-offs (x) | 25.3626% | 1,607 |
| Efficiency ratio | 79.2053% | 1,307 |
| Assets per employee ($millions) | 7.9426% | 638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7208% | 5,158 |
| Loan loss allowance to noncurrent loans | 196.9376% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.2453% | 4,151 |
| Noncurrent loans to loans | 0.3660% | 3,717 |
| Net loans and leases to total assets | 55.2268% | 4,292 |
| Net loans and leases to deposits | 72.4042% | 3,696 |
| Net loans and leases to core deposits | 73.3304% | 3,994 |
| Total domestic deposits to total assets | 76.2757% | 5,058 |
| Equity capital to assets | 22.6955% | 132 |
| Core capital (leverage) ratio | 22.6306% | 128 |
| Tier 1 risk-based capital ratio | 53.3981% | 103 |
| Total risk-based capital ratio | 54.3487% | 103 |
| Memoranda: | ||
| Average total assets | $832,737,000 | 906 |
| Average earning assets | $803,756,000 | 866 |
| Average equity | $188,352,330 | 457 |
| Average total loans | $455,385,000 | 1,118 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9079% | 5,534 |
| Cost of funding earning assets | 0.3175% | 3,873 |
| Net interest margin | 2.5904% | 5,475 |
| Noninterest income to average assets | 0.1341% | 5,442 |
| Noninterest expense to average assets | 2.1737% | 4,712 |
| Loan and lease loss provision to assets | -0.0010% | 5,631 |
| Net operating income to assets | 0.3307% | 5,127 |
| Return on assets (ROA) | 0.3307% | 5,151 |
| Pretax return on assets | 0.4595% | 5,034 |
| Return on Equity (ROE) | 1.4647% | 5,433 |
| Retained earnings to average equity (ytd only) | 1.4647% | 4,518 |
| Net charge-offs to loans | 0.0124% | 2,563 |
| Credit loss provision to net charge-offs | -14.2857% | 3,803 |
| Earnings coverage of net charge-offs (x) | 68.1429% | 735 |
| Efficiency ratio | 82.5785% | 1,105 |
| Assets per employee ($millions) | 7.4106% | 786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7549% | 5,185 |
| Loan loss allowance to noncurrent loans | 165.6507% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 0.3581% | 3,771 |
| Noncurrent loans to loans | 0.4557% | 3,465 |
| Net loans and leases to total assets | 54.2318% | 4,321 |
| Net loans and leases to deposits | 71.0665% | 3,688 |
| Net loans and leases to core deposits | 72.0253% | 3,981 |
| Total domestic deposits to total assets | 76.3113% | 5,199 |
| Equity capital to assets | 22.6763% | 136 |
| Core capital (leverage) ratio | 22.4968% | 126 |
| Tier 1 risk-based capital ratio | 53.6103% | 109 |
| Total risk-based capital ratio | 54.5924% | 109 |
| Memoranda: | ||
| Average total assets | $832,119,000 | 908 |
| Average earning assets | $802,509,000 | 875 |
| Average equity | $187,891,500 | 458 |
| Average total loans | $451,117,000 | 1,126 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9208% | 5,563 |
| Cost of funding earning assets | 0.3063% | 4,000 |
| Net interest margin | 2.6145% | 5,501 |
| Noninterest income to average assets | 0.2079% | 5,171 |
| Noninterest expense to average assets | 2.0999% | 5,000 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4099% | 4,908 |
| Return on assets (ROA) | 0.4120% | 4,981 |
| Pretax return on assets | 0.5906% | 4,815 |
| Return on Equity (ROE) | 1.8086% | 5,437 |
| Retained earnings to average equity (ytd only) | 1.8086% | 4,497 |
| Net charge-offs to loans | 0.0362% | 3,304 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 32.0132% | 1,374 |
| Efficiency ratio | 78.1382% | 1,675 |
| Assets per employee ($millions) | 7.5841% | 707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7667% | 5,195 |
| Loan loss allowance to noncurrent loans | 147.3233% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 0.4207% | 3,591 |
| Noncurrent loans to loans | 0.5204% | 3,289 |
| Net loans and leases to total assets | 53.3716% | 4,493 |
| Net loans and leases to deposits | 69.9464% | 3,907 |
| Net loans and leases to core deposits | 70.8407% | 4,165 |
| Total domestic deposits to total assets | 76.3035% | 5,212 |
| Equity capital to assets | 22.4840% | 138 |
| Core capital (leverage) ratio | 22.3752% | 131 |
| Tier 1 risk-based capital ratio | 53.5063% | 116 |
| Total risk-based capital ratio | 54.4947% | 117 |
| Memoranda: | ||
| Average total assets | $828,210,400 | 879 |
| Average earning assets | $785,480,400 | 854 |
| Average equity | $188,654,200 | 447 |
| Average total loans | $419,913,800 | 1,161 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9367% | 5,621 |
| Cost of funding earning assets | 0.2965% | 4,144 |
| Net interest margin | 2.6402% | 5,557 |
| Noninterest income to average assets | 0.2177% | 5,161 |
| Noninterest expense to average assets | 2.1126% | 4,984 |
| Loan and lease loss provision to assets | 0.0005% | 4,184 |
| Net operating income to assets | 0.4185% | 4,964 |
| Return on assets (ROA) | 0.4214% | 5,047 |
| Pretax return on assets | 0.6032% | 4,867 |
| Return on Equity (ROE) | 1.8441% | 5,502 |
| Retained earnings to average equity (ytd only) | 1.8441% | 4,762 |
| Net charge-offs to loans | 0.0365% | 2,898 |
| Credit loss provision to net charge-offs | 2.6549% | 3,399 |
| Earnings coverage of net charge-offs (x) | 32.8945% | 1,408 |
| Efficiency ratio | 77.8961% | 1,701 |
| Assets per employee ($millions) | 7.4130% | 748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7982% | 5,192 |
| Loan loss allowance to noncurrent loans | 116.1828% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 0.5056% | 3,427 |
| Noncurrent loans to loans | 0.6870% | 2,976 |
| Net loans and leases to total assets | 52.1219% | 4,649 |
| Net loans and leases to deposits | 68.7208% | 4,090 |
| Net loans and leases to core deposits | 69.6786% | 4,347 |
| Total domestic deposits to total assets | 75.8459% | 5,256 |
| Equity capital to assets | 22.9536% | 137 |
| Core capital (leverage) ratio | 22.3409% | 132 |
| Tier 1 risk-based capital ratio | 53.6153% | 113 |
| Total risk-based capital ratio | 54.6221% | 116 |
| Memoranda: | ||
| Average total assets | $826,700,250 | 881 |
| Average earning assets | $781,036,750 | 858 |
| Average equity | $188,924,500 | 449 |
| Average total loans | $412,719,000 | 1,179 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9270% | 5,708 |
| Cost of funding earning assets | 0.2857% | 4,289 |
| Net interest margin | 2.6413% | 5,628 |
| Noninterest income to average assets | 0.1681% | 5,484 |
| Noninterest expense to average assets | 2.1143% | 5,026 |
| Loan and lease loss provision to assets | 0.0010% | 4,012 |
| Net operating income to assets | 0.3880% | 5,071 |
| Return on assets (ROA) | 0.3920% | 5,141 |
| Pretax return on assets | 0.5490% | 5,026 |
| Return on Equity (ROE) | 1.7179% | 5,575 |
| Retained earnings to average equity (ytd only) | 1.7179% | 4,702 |
| Net charge-offs to loans | 0.0193% | 3,113 |
| Credit loss provision to net charge-offs | 10.2564% | 2,995 |
| Earnings coverage of net charge-offs (x) | 57.6154% | 908 |
| Efficiency ratio | 79.5243% | 1,553 |
| Assets per employee ($millions) | 7.4559% | 715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8373% | 5,171 |
| Loan loss allowance to noncurrent loans | 102.3892% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 0.5398% | 3,414 |
| Noncurrent loans to loans | 0.8177% | 2,699 |
| Net loans and leases to total assets | 50.4479% | 4,813 |
| Net loans and leases to deposits | 66.4504% | 4,313 |
| Net loans and leases to core deposits | 67.4170% | 4,519 |
| Total domestic deposits to total assets | 75.9182% | 5,297 |
| Equity capital to assets | 22.7981% | 136 |
| Core capital (leverage) ratio | 22.3190% | 127 |
| Tier 1 risk-based capital ratio | 54.8108% | 110 |
| Total risk-based capital ratio | 55.8679% | 110 |
| Memoranda: | ||
| Average total assets | $825,515,000 | 882 |
| Average earning assets | $778,409,670 | 859 |
| Average equity | $188,374,670 | 452 |
| Average total loans | $404,883,000 | 1,201 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9242% | 5,759 |
| Cost of funding earning assets | 0.2833% | 4,352 |
| Net interest margin | 2.6409% | 5,678 |
| Noninterest income to average assets | 0.1179% | 5,750 |
| Noninterest expense to average assets | 2.2467% | 4,791 |
| Loan and lease loss provision to assets | 0.0024% | 3,643 |
| Net operating income to assets | 0.2849% | 5,344 |
| Return on assets (ROA) | 0.2929% | 5,405 |
| Pretax return on assets | 0.3733% | 5,355 |
| Return on Equity (ROE) | 1.2830% | 5,649 |
| Retained earnings to average equity (ytd only) | 1.2830% | 4,744 |
| Net charge-offs to loans | 0.0263% | 2,413 |
| Credit loss provision to net charge-offs | 19.2308% | 2,306 |
| Earnings coverage of net charge-offs (x) | 28.8462% | 1,205 |
| Efficiency ratio | 86.0075% | 975 |
| Assets per employee ($millions) | 7.4718% | 716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8912% | 5,087 |
| Loan loss allowance to noncurrent loans | 93.3351% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 0.6287% | 3,179 |
| Noncurrent loans to loans | 0.9548% | 2,470 |
| Net loans and leases to total assets | 48.3189% | 4,946 |
| Net loans and leases to deposits | 63.7479% | 4,457 |
| Net loans and leases to core deposits | 64.6437% | 4,649 |
| Total domestic deposits to total assets | 75.7969% | 5,429 |
| Equity capital to assets | 22.9620% | 134 |
| Core capital (leverage) ratio | 22.4205% | 129 |
| Tier 1 risk-based capital ratio | 55.9654% | 105 |
| Total risk-based capital ratio | 57.0549% | 103 |
| Memoranda: | ||
| Average total assets | $820,743,000 | 888 |
| Average earning assets | $775,178,000 | 864 |
| Average equity | $187,373,000 | 452 |
| Average total loans | $394,911,000 | 1,212 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8866% | 5,821 |
| Cost of funding earning assets | 0.3573% | 3,623 |
| Net interest margin | 2.5293% | 5,810 |
| Noninterest income to average assets | 0.1765% | 5,530 |
| Noninterest expense to average assets | 1.9832% | 5,490 |
| Loan and lease loss provision to assets | -0.0115% | 5,635 |
| Net operating income to assets | 0.4426% | 4,906 |
| Return on assets (ROA) | 0.4478% | 4,971 |
| Pretax return on assets | 0.6281% | 4,756 |
| Return on Equity (ROE) | 1.9984% | 5,570 |
| Retained earnings to average equity (ytd only) | 1.9984% | 4,593 |
| Net charge-offs to loans | 0.0436% | 3,342 |
| Credit loss provision to net charge-offs | -59.7484% | 5,070 |
| Earnings coverage of net charge-offs (x) | 31.7925% | 1,396 |
| Efficiency ratio | 76.4982% | 2,193 |
| Assets per employee ($millions) | 7.3836% | 752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9231% | 5,001 |
| Loan loss allowance to noncurrent loans | 88.2338% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 0.6600% | 3,064 |
| Noncurrent loans to loans | 1.0462% | 2,239 |
| Net loans and leases to total assets | 47.0391% | 5,088 |
| Net loans and leases to deposits | 61.7168% | 4,654 |
| Net loans and leases to core deposits | 62.6246% | 4,834 |
| Total domestic deposits to total assets | 76.2177% | 5,419 |
| Equity capital to assets | 22.6970% | 127 |
| Core capital (leverage) ratio | 22.3081% | 126 |
| Tier 1 risk-based capital ratio | 56.2280% | 98 |
| Total risk-based capital ratio | 57.3328% | 100 |
| Memoranda: | ||
| Average total assets | $829,656,800 | 840 |
| Average earning assets | $792,511,800 | 794 |
| Average equity | $185,896,200 | 441 |
| Average total loans | $364,475,800 | 1,249 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8750% | 5,915 |
| Cost of funding earning assets | 0.3686% | 3,565 |
| Net interest margin | 2.5064% | 5,906 |
| Noninterest income to average assets | 0.1716% | 5,619 |
| Noninterest expense to average assets | 1.9725% | 5,532 |
| Loan and lease loss provision to assets | -0.0215% | 5,849 |
| Net operating income to assets | 0.4405% | 5,007 |
| Return on assets (ROA) | 0.4457% | 5,080 |
| Pretax return on assets | 0.6269% | 4,905 |
| Return on Equity (ROE) | 1.9957% | 5,667 |
| Retained earnings to average equity (ytd only) | 1.9957% | 4,882 |
| Net charge-offs to loans | 0.0439% | 3,016 |
| Credit loss provision to net charge-offs | -113.5593% | 5,073 |
| Earnings coverage of net charge-offs (x) | 31.6355% | 1,446 |
| Efficiency ratio | 76.7327% | 2,121 |
| Assets per employee ($millions) | 7.3239% | 745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9374% | 5,031 |
| Loan loss allowance to noncurrent loans | 87.5944% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 0.6877% | 3,186 |
| Noncurrent loans to loans | 1.0702% | 2,343 |
| Net loans and leases to total assets | 46.3022% | 5,210 |
| Net loans and leases to deposits | 60.9667% | 4,786 |
| Net loans and leases to core deposits | 62.1995% | 4,924 |
| Total domestic deposits to total assets | 75.9468% | 5,490 |
| Equity capital to assets | 22.8150% | 134 |
| Core capital (leverage) ratio | 21.9349% | 139 |
| Tier 1 risk-based capital ratio | 56.3875% | 107 |
| Total risk-based capital ratio | 57.5017% | 106 |
| Memoranda: | ||
| Average total assets | $832,175,000 | 842 |
| Average earning assets | $796,498,500 | 791 |
| Average equity | $185,865,000 | 445 |
| Average total loans | $358,315,500 | 1,269 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8484% | 5,985 |
| Cost of funding earning assets | 0.3758% | 3,544 |
| Net interest margin | 2.4726% | 5,989 |
| Noninterest income to average assets | 0.1648% | 5,715 |
| Noninterest expense to average assets | 1.9655% | 5,598 |
| Loan and lease loss provision to assets | -0.0330% | 5,998 |
| Net operating income to assets | 0.4281% | 5,043 |
| Return on assets (ROA) | 0.4327% | 5,127 |
| Pretax return on assets | 0.6059% | 4,962 |
| Return on Equity (ROE) | 1.9511% | 5,689 |
| Retained earnings to average equity (ytd only) | 1.9511% | 4,721 |
| Net charge-offs to loans | 0.0640% | 2,466 |
| Credit loss provision to net charge-offs | -123.2143% | 4,930 |
| Earnings coverage of net charge-offs (x) | 21.1429% | 1,685 |
| Efficiency ratio | 77.6287% | 2,119 |
| Assets per employee ($millions) | 7.8361% | 567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9714% | 4,996 |
| Loan loss allowance to noncurrent loans | 73.8854% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 0.8076% | 2,962 |
| Noncurrent loans to loans | 1.3147% | 2,044 |
| Net loans and leases to total assets | 43.3181% | 5,416 |
| Net loans and leases to deposits | 58.1287% | 4,986 |
| Net loans and leases to core deposits | 59.3433% | 5,114 |
| Total domestic deposits to total assets | 74.5211% | 5,748 |
| Equity capital to assets | 21.8870% | 159 |
| Core capital (leverage) ratio | 21.4567% | 150 |
| Tier 1 risk-based capital ratio | 55.4187% | 120 |
| Total risk-based capital ratio | 56.5203% | 120 |
| Memoranda: | ||
| Average total assets | $836,139,330 | 839 |
| Average earning assets | $800,441,000 | 789 |
| Average equity | $185,437,670 | 447 |
| Average total loans | $349,953,000 | 1,296 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8430% | 6,041 |
| Cost of funding earning assets | 0.3925% | 3,383 |
| Net interest margin | 2.4505% | 6,067 |
| Noninterest income to average assets | 0.1704% | 5,701 |
| Noninterest expense to average assets | 2.0350% | 5,514 |
| Loan and lease loss provision to assets | -0.0428% | 6,143 |
| Net operating income to assets | 0.3772% | 5,151 |
| Return on assets (ROA) | 0.3846% | 5,249 |
| Pretax return on assets | 0.5261% | 5,110 |
| Return on Equity (ROE) | 1.7225% | 5,747 |
| Retained earnings to average equity (ytd only) | 1.7225% | 4,783 |
| Net charge-offs to loans | 0.1365% | 1,428 |
| Credit loss provision to net charge-offs | -76.7241% | 4,451 |
| Earnings coverage of net charge-offs (x) | 8.4741% | 2,086 |
| Efficiency ratio | 81.1361% | 1,740 |
| Assets per employee ($millions) | 7.4253% | 701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0519% | 4,751 |
| Loan loss allowance to noncurrent loans | 61.1522% | 4,684 |
| Noncurrent assets plus other real estate owned to assets | 0.9224% | 2,791 |
| Noncurrent loans to loans | 1.7202% | 1,592 |
| Net loans and leases to total assets | 41.1828% | 5,536 |
| Net loans and leases to deposits | 54.3800% | 5,165 |
| Net loans and leases to core deposits | 55.5360% | 5,279 |
| Total domestic deposits to total assets | 75.7315% | 5,765 |
| Equity capital to assets | 22.3923% | 145 |
| Core capital (leverage) ratio | 21.6165% | 145 |
| Tier 1 risk-based capital ratio | 56.8512% | 113 |
| Total risk-based capital ratio | 58.0018% | 113 |
| Memoranda: | ||
| Average total assets | $831,060,500 | 846 |
| Average earning assets | $792,811,500 | 802 |
| Average equity | $185,542,000 | 446 |
| Average total loans | $339,831,500 | 1,328 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9217% | 6,115 |
| Cost of funding earning assets | 0.4147% | 3,545 |
| Net interest margin | 2.5070% | 6,148 |
| Noninterest income to average assets | 0.1718% | 5,829 |
| Noninterest expense to average assets | 1.9462% | 5,868 |
| Loan and lease loss provision to assets | 0.0285% | 4,037 |
| Net operating income to assets | 0.4177% | 5,164 |
| Return on assets (ROA) | 0.4177% | 5,233 |
| Pretax return on assets | 0.5814% | 5,000 |
| Return on Equity (ROE) | 1.8978% | 5,792 |
| Retained earnings to average equity (ytd only) | 1.8978% | 4,856 |
| Net charge-offs to loans | 0.2629% | 1,645 |
| Credit loss provision to net charge-offs | 27.5701% | 3,878 |
| Earnings coverage of net charge-offs (x) | 5.9007% | 3,327 |
| Efficiency ratio | 76.1385% | 2,488 |
| Assets per employee ($millions) | 6.9789% | 854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1531% | 4,267 |
| Loan loss allowance to noncurrent loans | 47.1902% | 5,190 |
| Noncurrent assets plus other real estate owned to assets | 1.1734% | 2,417 |
| Noncurrent loans to loans | 2.4435% | 1,053 |
| Net loans and leases to total assets | 39.6979% | 5,764 |
| Net loans and leases to deposits | 51.8772% | 5,489 |
| Net loans and leases to core deposits | 52.9773% | 5,563 |
| Total domestic deposits to total assets | 76.5228% | 5,665 |
| Equity capital to assets | 22.2595% | 144 |
| Core capital (leverage) ratio | 21.7133% | 146 |
| Tier 1 risk-based capital ratio | 58.2011% | 99 |
| Total risk-based capital ratio | 59.4510% | 98 |
| Memoranda: | ||
| Average total assets | $828,141,800 | 815 |
| Average earning assets | $787,591,200 | 773 |
| Average equity | $182,262,200 | 439 |
| Average total loans | $325,560,400 | 1,344 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9418% | 6,170 |
| Cost of funding earning assets | 0.4147% | 3,632 |
| Net interest margin | 2.5271% | 6,205 |
| Noninterest income to average assets | 0.1769% | 5,857 |
| Noninterest expense to average assets | 1.9462% | 5,868 |
| Loan and lease loss provision to assets | 0.0229% | 3,949 |
| Net operating income to assets | 0.4387% | 5,114 |
| Return on assets (ROA) | 0.4387% | 5,191 |
| Pretax return on assets | 0.6138% | 4,987 |
| Return on Equity (ROE) | 1.9991% | 5,841 |
| Retained earnings to average equity (ytd only) | 1.9991% | 5,053 |
| Net charge-offs to loans | 0.0445% | 3,603 |
| Credit loss provision to net charge-offs | 131.4815% | 1,761 |
| Earnings coverage of net charge-offs (x) | 36.5917% | 1,202 |
| Efficiency ratio | 75.3493% | 2,608 |
| Assets per employee ($millions) | 6.8671% | 853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3657% | 3,322 |
| Loan loss allowance to noncurrent loans | 47.9949% | 5,218 |
| Noncurrent assets plus other real estate owned to assets | 1.3272% | 2,328 |
| Noncurrent loans to loans | 2.8455% | 962 |
| Net loans and leases to total assets | 39.4390% | 5,847 |
| Net loans and leases to deposits | 51.8230% | 5,540 |
| Net loans and leases to core deposits | 52.8976% | 5,632 |
| Total domestic deposits to total assets | 76.1034% | 5,801 |
| Equity capital to assets | 22.2699% | 152 |
| Core capital (leverage) ratio | 21.7082% | 149 |
| Tier 1 risk-based capital ratio | 58.5439% | 96 |
| Total risk-based capital ratio | 59.7969% | 94 |
| Memoranda: | ||
| Average total assets | $827,555,500 | 818 |
| Average earning assets | $787,933,000 | 782 |
| Average equity | $181,612,250 | 434 |
| Average total loans | $323,567,500 | 1,357 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9399% | 6,229 |
| Cost of funding earning assets | 0.4196% | 3,660 |
| Net interest margin | 2.5203% | 6,252 |
| Noninterest income to average assets | 0.1796% | 5,874 |
| Noninterest expense to average assets | 1.9623% | 5,892 |
| Loan and lease loss provision to assets | 0.0323% | 3,639 |
| Net operating income to assets | 0.4206% | 5,132 |
| Return on assets (ROA) | 0.4206% | 5,217 |
| Pretax return on assets | 0.5811% | 5,014 |
| Return on Equity (ROE) | 1.9262% | 5,854 |
| Retained earnings to average equity (ytd only) | 1.9262% | 4,916 |
| Net charge-offs to loans | -0.1045% | 6,161 |
| Credit loss provision to net charge-offs | -79.7619% | 5,224 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1829% | 2,600 |
| Assets per employee ($millions) | 7.0829% | 770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4882% | 2,959 |
| Loan loss allowance to noncurrent loans | 41.7221% | 5,450 |
| Noncurrent assets plus other real estate owned to assets | 1.5142% | 2,151 |
| Noncurrent loans to loans | 3.5669% | 736 |
| Net loans and leases to total assets | 38.0867% | 5,952 |
| Net loans and leases to deposits | 49.8013% | 5,645 |
| Net loans and leases to core deposits | 50.8395% | 5,744 |
| Total domestic deposits to total assets | 76.4772% | 5,860 |
| Equity capital to assets | 22.1819% | 141 |
| Core capital (leverage) ratio | 21.3807% | 149 |
| Tier 1 risk-based capital ratio | 58.8895% | 93 |
| Total risk-based capital ratio | 60.1436% | 91 |
| Memoranda: | ||
| Average total assets | $828,724,330 | 822 |
| Average earning assets | $787,920,670 | 782 |
| Average equity | $180,978,000 | 434 |
| Average total loans | $321,591,000 | 1,354 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9647% | 6,273 |
| Cost of funding earning assets | 0.4256% | 3,690 |
| Net interest margin | 2.5391% | 6,303 |
| Noninterest income to average assets | 0.2061% | 5,706 |
| Noninterest expense to average assets | 1.9751% | 5,935 |
| Loan and lease loss provision to assets | 0.0898% | 2,417 |
| Net operating income to assets | 0.4074% | 5,087 |
| Return on assets (ROA) | 0.4074% | 5,152 |
| Pretax return on assets | 0.5628% | 4,972 |
| Return on Equity (ROE) | 1.8802% | 5,815 |
| Retained earnings to average equity (ytd only) | 1.8802% | 4,839 |
| Net charge-offs to loans | 0.0546% | 2,617 |
| Credit loss provision to net charge-offs | 422.7273% | 625 |
| Earnings coverage of net charge-offs (x) | 30.7273% | 1,038 |
| Efficiency ratio | 75.1653% | 2,935 |
| Assets per employee ($millions) | 7.2641% | 702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4344% | 3,443 |
| Loan loss allowance to noncurrent loans | 43.8440% | 5,444 |
| Noncurrent assets plus other real estate owned to assets | 1.2989% | 2,696 |
| Noncurrent loans to loans | 3.2716% | 935 |
| Net loans and leases to total assets | 38.2367% | 5,927 |
| Net loans and leases to deposits | 49.8219% | 5,610 |
| Net loans and leases to core deposits | 50.9557% | 5,692 |
| Total domestic deposits to total assets | 76.7468% | 5,994 |
| Equity capital to assets | 21.8154% | 152 |
| Core capital (leverage) ratio | 21.3319% | 152 |
| Tier 1 risk-based capital ratio | 58.2775% | 95 |
| Total risk-based capital ratio | 59.5307% | 95 |
| Memoranda: | ||
| Average total assets | $828,738,000 | 825 |
| Average earning assets | $790,367,000 | 783 |
| Average equity | $179,556,500 | 437 |
| Average total loans | $322,191,000 | 1,356 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0329% | 6,310 |
| Cost of funding earning assets | 0.5070% | 3,537 |
| Net interest margin | 2.5259% | 6,351 |
| Noninterest income to average assets | 0.1622% | 6,119 |
| Noninterest expense to average assets | 1.8576% | 6,249 |
| Loan and lease loss provision to assets | 0.2039% | 1,821 |
| Net operating income to assets | 0.3833% | 5,203 |
| Return on assets (ROA) | 0.4136% | 5,214 |
| Pretax return on assets | 0.5553% | 5,029 |
| Return on Equity (ROE) | 1.9300% | 5,864 |
| Retained earnings to average equity (ytd only) | 1.9300% | 4,860 |
| Net charge-offs to loans | 0.7505% | 849 |
| Credit loss provision to net charge-offs | 73.9655% | 3,199 |
| Earnings coverage of net charge-offs (x) | 2.6052% | 4,130 |
| Efficiency ratio | 72.1141% | 3,455 |
| Assets per employee ($millions) | 7.4718% | 608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3821% | 3,733 |
| Loan loss allowance to noncurrent loans | 46.9562% | 5,390 |
| Noncurrent assets plus other real estate owned to assets | 1.2248% | 2,957 |
| Noncurrent loans to loans | 2.9434% | 1,181 |
| Net loans and leases to total assets | 38.4228% | 6,060 |
| Net loans and leases to deposits | 49.7788% | 5,788 |
| Net loans and leases to core deposits | 50.9267% | 5,876 |
| Total domestic deposits to total assets | 77.1871% | 5,942 |
| Equity capital to assets | 21.5173% | 155 |
| Core capital (leverage) ratio | 21.1679% | 154 |
| Tier 1 risk-based capital ratio | 57.5050% | 96 |
| Total risk-based capital ratio | 58.7578% | 96 |
| Memoranda: | ||
| Average total assets | $841,421,400 | 790 |
| Average earning assets | $804,023,000 | 746 |
| Average equity | $180,313,400 | 425 |
| Average total loans | $309,135,800 | 1,376 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0268% | 6,401 |
| Cost of funding earning assets | 0.5261% | 3,510 |
| Net interest margin | 2.5008% | 6,424 |
| Noninterest income to average assets | 0.1658% | 6,196 |
| Noninterest expense to average assets | 1.8480% | 6,263 |
| Loan and lease loss provision to assets | 0.2618% | 1,348 |
| Net operating income to assets | 0.3404% | 5,464 |
| Return on assets (ROA) | 0.3881% | 5,430 |
| Pretax return on assets | 0.5048% | 5,344 |
| Return on Equity (ROE) | 1.8129% | 5,997 |
| Retained earnings to average equity (ytd only) | 1.8129% | 5,229 |
| Net charge-offs to loans | 0.9833% | 587 |
| Credit loss provision to net charge-offs | 73.5581% | 2,987 |
| Earnings coverage of net charge-offs (x) | 1.9800% | 4,166 |
| Efficiency ratio | 72.3944% | 3,335 |
| Assets per employee ($millions) | 7.4431% | 600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3820% | 3,976 |
| Loan loss allowance to noncurrent loans | 34.6660% | 5,821 |
| Noncurrent assets plus other real estate owned to assets | 1.6271% | 2,521 |
| Noncurrent loans to loans | 3.9867% | 880 |
| Net loans and leases to total assets | 38.2968% | 6,157 |
| Net loans and leases to deposits | 49.9301% | 5,839 |
| Net loans and leases to core deposits | 51.0734% | 5,943 |
| Total domestic deposits to total assets | 76.7009% | 6,088 |
| Equity capital to assets | 21.4939% | 160 |
| Core capital (leverage) ratio | 20.7746% | 169 |
| Tier 1 risk-based capital ratio | 56.8212% | 104 |
| Total risk-based capital ratio | 58.0738% | 104 |
| Memoranda: | ||
| Average total assets | $844,434,500 | 790 |
| Average earning assets | $805,973,000 | 752 |
| Average equity | $180,777,250 | 427 |
| Average total loans | $305,636,500 | 1,385 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0330% | 6,416 |
| Cost of funding earning assets | 0.5357% | 3,543 |
| Net interest margin | 2.4972% | 6,455 |
| Noninterest income to average assets | 0.1731% | 6,168 |
| Noninterest expense to average assets | 1.8714% | 6,269 |
| Loan and lease loss provision to assets | 0.3269% | 1,058 |
| Net operating income to assets | 0.2976% | 5,608 |
| Return on assets (ROA) | 0.3009% | 5,750 |
| Pretax return on assets | 0.3568% | 5,734 |
| Return on Equity (ROE) | 1.4075% | 6,116 |
| Retained earnings to average equity (ytd only) | 1.4075% | 5,316 |
| Net charge-offs to loans | 1.4639% | 367 |
| Credit loss provision to net charge-offs | 63.2011% | 2,960 |
| Earnings coverage of net charge-offs (x) | 1.3142% | 4,104 |
| Efficiency ratio | 73.3568% | 3,248 |
| Assets per employee ($millions) | 7.6602% | 520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3967% | 4,049 |
| Loan loss allowance to noncurrent loans | 32.4059% | 5,936 |
| Noncurrent assets plus other real estate owned to assets | 1.6677% | 2,608 |
| Noncurrent loans to loans | 4.3099% | 843 |
| Net loans and leases to total assets | 35.7177% | 6,319 |
| Net loans and leases to deposits | 46.2396% | 6,091 |
| Net loans and leases to core deposits | 47.2942% | 6,162 |
| Total domestic deposits to total assets | 77.2448% | 6,092 |
| Equity capital to assets | 21.1188% | 163 |
| Core capital (leverage) ratio | 20.4238% | 175 |
| Tier 1 risk-based capital ratio | 57.0150% | 98 |
| Total risk-based capital ratio | 58.2669% | 97 |
| Memoranda: | ||
| Average total assets | $848,036,000 | 781 |
| Average earning assets | $807,529,000 | 747 |
| Average equity | $181,309,670 | 424 |
| Average total loans | $299,606,000 | 1,410 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0997% | 6,401 |
| Cost of funding earning assets | 0.5415% | 3,655 |
| Net interest margin | 2.5581% | 6,427 |
| Noninterest income to average assets | 0.1735% | 6,219 |
| Noninterest expense to average assets | 1.8610% | 6,347 |
| Loan and lease loss provision to assets | 0.4429% | 647 |
| Net operating income to assets | 0.2611% | 5,693 |
| Return on assets (ROA) | 0.2624% | 5,813 |
| Pretax return on assets | 0.2920% | 5,872 |
| Return on Equity (ROE) | 1.2197% | 6,170 |
| Retained earnings to average equity (ytd only) | 1.2197% | 5,363 |
| Net charge-offs to loans | 0.9811% | 624 |
| Credit loss provision to net charge-offs | 129.3956% | 1,525 |
| Earnings coverage of net charge-offs (x) | 2.1429% | 3,117 |
| Efficiency ratio | 71.7289% | 3,668 |
| Assets per employee ($millions) | 8.0714% | 474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7785% | 2,702 |
| Loan loss allowance to noncurrent loans | 32.8873% | 5,916 |
| Noncurrent assets plus other real estate owned to assets | 1.9346% | 2,427 |
| Noncurrent loans to loans | 5.4079% | 677 |
| Net loans and leases to total assets | 34.4330% | 6,396 |
| Net loans and leases to deposits | 44.9084% | 6,128 |
| Net loans and leases to core deposits | 45.9116% | 6,213 |
| Total domestic deposits to total assets | 76.6739% | 6,282 |
| Equity capital to assets | 21.6514% | 159 |
| Core capital (leverage) ratio | 20.3225% | 176 |
| Tier 1 risk-based capital ratio | 56.8613% | 102 |
| Total risk-based capital ratio | 58.1173% | 101 |
| Memoranda: | ||
| Average total assets | $850,744,500 | 786 |
| Average earning assets | $805,117,500 | 759 |
| Average equity | $182,989,000 | 423 |
| Average total loans | $296,795,500 | 1,425 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2986% | 6,585 |
| Cost of funding earning assets | 0.6209% | 4,168 |
| Net interest margin | 2.6777% | 6,550 |
| Noninterest income to average assets | 0.1678% | 6,190 |
| Noninterest expense to average assets | 1.9597% | 6,395 |
| Loan and lease loss provision to assets | 0.2826% | 2,391 |
| Net operating income to assets | 0.3768% | 5,195 |
| Return on assets (ROA) | 0.4132% | 5,301 |
| Pretax return on assets | 0.5510% | 5,131 |
| Return on Equity (ROE) | 1.9662% | 5,914 |
| Retained earnings to average equity (ytd only) | 1.9662% | 4,838 |
| Net charge-offs to loans | 0.3262% | 3,015 |
| Credit loss provision to net charge-offs | 254.0541% | 948 |
| Earnings coverage of net charge-offs (x) | 7.0582% | 2,688 |
| Efficiency ratio | 71.3961% | 3,536 |
| Assets per employee ($millions) | 7.8348% | 540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7100% | 2,894 |
| Loan loss allowance to noncurrent loans | 32.7583% | 5,952 |
| Noncurrent assets plus other real estate owned to assets | 1.9110% | 2,557 |
| Noncurrent loans to loans | 5.2201% | 742 |
| Net loans and leases to total assets | 34.1242% | 6,539 |
| Net loans and leases to deposits | 44.3269% | 6,350 |
| Net loans and leases to core deposits | 45.3145% | 6,405 |
| Total domestic deposits to total assets | 76.9831% | 6,227 |
| Equity capital to assets | 21.3683% | 173 |
| Core capital (leverage) ratio | 20.1838% | 189 |
| Tier 1 risk-based capital ratio | 57.7014% | 103 |
| Total risk-based capital ratio | 58.9570% | 100 |
| Memoranda: | ||
| Average total assets | $864,811,000 | 759 |
| Average earning assets | $832,321,000 | 717 |
| Average equity | $181,721,800 | 412 |
| Average total loans | $294,914,200 | 1,421 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3492% | 6,682 |
| Cost of funding earning assets | 0.6363% | 4,308 |
| Net interest margin | 2.7130% | 6,629 |
| Noninterest income to average assets | 0.1703% | 6,285 |
| Noninterest expense to average assets | 1.9800% | 6,382 |
| Loan and lease loss provision to assets | 0.2894% | 2,262 |
| Net operating income to assets | 0.3807% | 5,324 |
| Return on assets (ROA) | 0.4277% | 5,366 |
| Pretax return on assets | 0.5826% | 5,226 |
| Return on Equity (ROE) | 2.0440% | 6,012 |
| Retained earnings to average equity (ytd only) | 2.0440% | 5,302 |
| Net charge-offs to loans | 0.2585% | 3,178 |
| Credit loss provision to net charge-offs | 329.7723% | 811 |
| Earnings coverage of net charge-offs (x) | 9.2032% | 2,355 |
| Efficiency ratio | 71.0277% | 3,498 |
| Assets per employee ($millions) | 7.6033% | 562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6562% | 3,309 |
| Loan loss allowance to noncurrent loans | 28.2014% | 6,201 |
| Noncurrent assets plus other real estate owned to assets | 2.1369% | 2,509 |
| Noncurrent loans to loans | 5.8727% | 706 |
| Net loans and leases to total assets | 34.1678% | 6,648 |
| Net loans and leases to deposits | 44.6185% | 6,471 |
| Net loans and leases to core deposits | 45.5689% | 6,531 |
| Total domestic deposits to total assets | 76.5777% | 6,301 |
| Equity capital to assets | 21.5499% | 183 |
| Core capital (leverage) ratio | 20.0344% | 204 |
| Tier 1 risk-based capital ratio | 57.4286% | 105 |
| Total risk-based capital ratio | 58.6834% | 104 |
| Memoranda: | ||
| Average total assets | $867,515,000 | 763 |
| Average earning assets | $836,950,250 | 720 |
| Average equity | $181,531,250 | 411 |
| Average total loans | $294,520,500 | 1,440 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4017% | 6,725 |
| Cost of funding earning assets | 0.6522% | 4,424 |
| Net interest margin | 2.7495% | 6,648 |
| Noninterest income to average assets | 0.1480% | 6,453 |
| Noninterest expense to average assets | 1.9834% | 6,466 |
| Loan and lease loss provision to assets | 0.3238% | 2,035 |
| Net operating income to assets | 0.3620% | 5,371 |
| Return on assets (ROA) | 0.4287% | 5,344 |
| Pretax return on assets | 0.5848% | 5,193 |
| Return on Equity (ROE) | 2.0689% | 6,026 |
| Retained earnings to average equity (ytd only) | 2.0689% | 5,169 |
| Net charge-offs to loans | 0.3829% | 2,488 |
| Credit loss provision to net charge-offs | 250.9769% | 1,145 |
| Earnings coverage of net charge-offs (x) | 6.3339% | 2,654 |
| Efficiency ratio | 70.8231% | 3,628 |
| Assets per employee ($millions) | 7.6551% | 549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4876% | 4,068 |
| Loan loss allowance to noncurrent loans | 26.3258% | 6,310 |
| Noncurrent assets plus other real estate owned to assets | 2.0995% | 2,668 |
| Noncurrent loans to loans | 5.6507% | 812 |
| Net loans and leases to total assets | 33.9755% | 6,725 |
| Net loans and leases to deposits | 44.3626% | 6,534 |
| Net loans and leases to core deposits | 45.3186% | 6,604 |
| Total domestic deposits to total assets | 76.5859% | 6,390 |
| Equity capital to assets | 20.9975% | 201 |
| Core capital (leverage) ratio | 19.8067% | 217 |
| Tier 1 risk-based capital ratio | 57.3162% | 102 |
| Total risk-based capital ratio | 58.5693% | 101 |
| Memoranda: | ||
| Average total assets | $872,831,670 | 760 |
| Average earning assets | $842,038,330 | 714 |
| Average equity | $180,871,330 | 410 |
| Average total loans | $294,073,670 | 1,443 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4531% | 6,751 |
| Cost of funding earning assets | 0.6677% | 4,556 |
| Net interest margin | 2.7853% | 6,661 |
| Noninterest income to average assets | 0.1223% | 6,643 |
| Noninterest expense to average assets | 2.0398% | 6,390 |
| Loan and lease loss provision to assets | 0.4252% | 1,475 |
| Net operating income to assets | 0.2580% | 5,790 |
| Return on assets (ROA) | 0.3819% | 5,520 |
| Pretax return on assets | 0.5114% | 5,395 |
| Return on Equity (ROE) | 1.8549% | 6,115 |
| Retained earnings to average equity (ytd only) | 1.8549% | 5,321 |
| Net charge-offs to loans | 0.0082% | 4,614 |
| Credit loss provision to net charge-offs | 15,533.3333% | 8 |
| Earnings coverage of net charge-offs (x) | 281.8333% | 119 |
| Efficiency ratio | 72.5576% | 3,331 |
| Assets per employee ($millions) | 7.5758% | 576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5252% | 4,045 |
| Loan loss allowance to noncurrent loans | 34.6831% | 5,928 |
| Noncurrent assets plus other real estate owned to assets | 1.6360% | 3,399 |
| Noncurrent loans to loans | 4.3974% | 1,340 |
| Net loans and leases to total assets | 33.4538% | 6,764 |
| Net loans and leases to deposits | 44.0961% | 6,553 |
| Net loans and leases to core deposits | 45.0745% | 6,615 |
| Total domestic deposits to total assets | 75.8656% | 6,558 |
| Equity capital to assets | 20.6805% | 203 |
| Core capital (leverage) ratio | 19.3807% | 228 |
| Tier 1 risk-based capital ratio | 56.3234% | 105 |
| Total risk-based capital ratio | 57.5766% | 105 |
| Memoranda: | ||
| Average total assets | $876,735,500 | 757 |
| Average earning assets | $846,430,000 | 710 |
| Average equity | $180,490,500 | 410 |
| Average total loans | $291,943,500 | 1,457 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7329% | 6,808 |
| Cost of funding earning assets | 0.8661% | 4,348 |
| Net interest margin | 2.8668% | 6,742 |
| Noninterest income to average assets | 0.1181% | 6,556 |
| Noninterest expense to average assets | 1.9553% | 6,754 |
| Loan and lease loss provision to assets | 0.2588% | 3,621 |
| Net operating income to assets | 0.4862% | 4,486 |
| Return on assets (ROA) | 0.5090% | 4,591 |
| Pretax return on assets | 0.7045% | 4,307 |
| Return on Equity (ROE) | 2.4965% | 5,477 |
| Retained earnings to average equity (ytd only) | 2.4965% | 4,452 |
| Net charge-offs to loans | 0.9585% | 1,801 |
| Credit loss provision to net charge-offs | 80.9334% | 4,407 |
| Earnings coverage of net charge-offs (x) | 2.9135% | 3,749 |
| Efficiency ratio | 67.7260% | 4,414 |
| Assets per employee ($millions) | 7.2913% | 632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2462% | 5,193 |
| Loan loss allowance to noncurrent loans | 36.7510% | 5,795 |
| Noncurrent assets plus other real estate owned to assets | 1.2449% | 4,148 |
| Noncurrent loans to loans | 3.3909% | 1,904 |
| Net loans and leases to total assets | 32.2277% | 6,936 |
| Net loans and leases to deposits | 42.8586% | 6,771 |
| Net loans and leases to core deposits | 43.7866% | 6,820 |
| Total domestic deposits to total assets | 75.1954% | 6,576 |
| Equity capital to assets | 20.4939% | 207 |
| Core capital (leverage) ratio | 18.9699% | 245 |
| Tier 1 risk-based capital ratio | 56.0358% | 109 |
| Total risk-based capital ratio | 57.2286% | 108 |
| Memoranda: | ||
| Average total assets | $864,280,400 | 755 |
| Average earning assets | $834,771,800 | 710 |
| Average equity | $176,204,600 | 401 |
| Average total loans | $288,367,800 | 1,483 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7929% | 6,847 |
| Cost of funding earning assets | 0.9183% | 4,285 |
| Net interest margin | 2.8747% | 6,792 |
| Noninterest income to average assets | 0.1222% | 6,652 |
| Noninterest expense to average assets | 1.9870% | 6,719 |
| Loan and lease loss provision to assets | 0.2463% | 3,543 |
| Net operating income to assets | 0.4828% | 4,615 |
| Return on assets (ROA) | 0.5045% | 4,714 |
| Pretax return on assets | 0.6960% | 4,494 |
| Return on Equity (ROE) | 2.4777% | 5,631 |
| Retained earnings to average equity (ytd only) | 2.4777% | 4,885 |
| Net charge-offs to loans | 0.9946% | 1,619 |
| Credit loss provision to net charge-offs | 73.7918% | 4,359 |
| Earnings coverage of net charge-offs (x) | 2.7333% | 3,762 |
| Efficiency ratio | 68.5370% | 4,212 |
| Assets per employee ($millions) | 7.1249% | 693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2580% | 5,203 |
| Loan loss allowance to noncurrent loans | 33.0602% | 6,079 |
| Noncurrent assets plus other real estate owned to assets | 1.2882% | 4,234 |
| Noncurrent loans to loans | 3.8051% | 1,774 |
| Net loans and leases to total assets | 32.3310% | 7,016 |
| Net loans and leases to deposits | 41.6847% | 6,924 |
| Net loans and leases to core deposits | 42.5866% | 6,968 |
| Total domestic deposits to total assets | 77.5609% | 6,282 |
| Equity capital to assets | 20.8634% | 215 |
| Core capital (leverage) ratio | 19.3937% | 246 |
| Tier 1 risk-based capital ratio | 56.7196% | 122 |
| Total risk-based capital ratio | 57.9228% | 122 |
| Memoranda: | ||
| Average total assets | $859,787,750 | 767 |
| Average earning assets | $830,542,750 | 719 |
| Average equity | $175,053,750 | 412 |
| Average total loans | $288,480,500 | 1,493 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8315% | 6,887 |
| Cost of funding earning assets | 0.9656% | 4,209 |
| Net interest margin | 2.8658% | 6,844 |
| Noninterest income to average assets | 0.1143% | 6,763 |
| Noninterest expense to average assets | 2.0260% | 6,733 |
| Loan and lease loss provision to assets | 0.2303% | 3,607 |
| Net operating income to assets | 0.4576% | 4,683 |
| Return on assets (ROA) | 0.4906% | 4,682 |
| Pretax return on assets | 0.6719% | 4,490 |
| Return on Equity (ROE) | 2.4295% | 5,633 |
| Retained earnings to average equity (ytd only) | 2.4295% | 4,743 |
| Net charge-offs to loans | 0.1170% | 4,530 |
| Credit loss provision to net charge-offs | 581.7647% | 534 |
| Earnings coverage of net charge-offs (x) | 21.6529% | 1,146 |
| Efficiency ratio | 70.2738% | 4,056 |
| Assets per employee ($millions) | 7.1167% | 686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7217% | 3,254 |
| Loan loss allowance to noncurrent loans | 41.9843% | 5,522 |
| Noncurrent assets plus other real estate owned to assets | 1.4027% | 4,115 |
| Noncurrent loans to loans | 4.1008% | 1,678 |
| Net loans and leases to total assets | 32.1752% | 7,108 |
| Net loans and leases to deposits | 42.1278% | 6,986 |
| Net loans and leases to core deposits | 43.0530% | 7,038 |
| Total domestic deposits to total assets | 76.3752% | 6,542 |
| Equity capital to assets | 20.0899% | 254 |
| Core capital (leverage) ratio | 19.4107% | 249 |
| Tier 1 risk-based capital ratio | 55.0857% | 126 |
| Total risk-based capital ratio | 56.3404% | 124 |
| Memoranda: | ||
| Average total assets | $859,012,330 | 770 |
| Average earning assets | $829,919,000 | 726 |
| Average equity | $173,449,670 | 417 |
| Average total loans | $290,547,000 | 1,497 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8988% | 6,826 |
| Cost of funding earning assets | 1.0009% | 4,198 |
| Net interest margin | 2.8979% | 6,765 |
| Noninterest income to average assets | 0.1006% | 6,910 |
| Noninterest expense to average assets | 2.1654% | 6,501 |
| Loan and lease loss provision to assets | 0.1716% | 3,917 |
| Net operating income to assets | 0.4120% | 4,895 |
| Return on assets (ROA) | 0.4795% | 4,657 |
| Pretax return on assets | 0.6521% | 4,481 |
| Return on Equity (ROE) | 2.3687% | 5,644 |
| Retained earnings to average equity (ytd only) | 2.3687% | 4,727 |
| Net charge-offs to loans | 0.2325% | 3,150 |
| Credit loss provision to net charge-offs | 214.7059% | 1,396 |
| Earnings coverage of net charge-offs (x) | 9.1647% | 1,754 |
| Efficiency ratio | 74.7242% | 3,385 |
| Assets per employee ($millions) | 7.0699% | 713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4817% | 4,295 |
| Loan loss allowance to noncurrent loans | 39.1320% | 5,690 |
| Noncurrent assets plus other real estate owned to assets | 1.4005% | 4,187 |
| Noncurrent loans to loans | 3.7865% | 1,938 |
| Net loans and leases to total assets | 33.4989% | 7,110 |
| Net loans and leases to deposits | 43.0908% | 6,984 |
| Net loans and leases to core deposits | 44.0744% | 7,036 |
| Total domestic deposits to total assets | 77.7404% | 6,407 |
| Equity capital to assets | 20.1165% | 254 |
| Core capital (leverage) ratio | 19.3816% | 254 |
| Tier 1 risk-based capital ratio | 54.6316% | 129 |
| Total risk-based capital ratio | 55.8839% | 129 |
| Memoranda: | ||
| Average total assets | $850,841,000 | 787 |
| Average earning assets | $821,278,500 | 741 |
| Average equity | $172,245,500 | 416 |
| Average total loans | $292,530,000 | 1,501 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1923% | 6,938 |
| Cost of funding earning assets | 1.2282% | 4,367 |
| Net interest margin | 2.9641% | 6,801 |
| Noninterest income to average assets | 0.1922% | 6,392 |
| Noninterest expense to average assets | 1.9857% | 7,047 |
| Loan and lease loss provision to assets | 0.3120% | 4,310 |
| Net operating income to assets | 0.5507% | 3,884 |
| Return on assets (ROA) | 0.5713% | 3,958 |
| Pretax return on assets | 0.7783% | 3,700 |
| Return on Equity (ROE) | 2.8157% | 5,030 |
| Retained earnings to average equity (ytd only) | 2.8157% | 3,880 |
| Net charge-offs to loans | 0.3313% | 4,351 |
| Credit loss provision to net charge-offs | 259.6059% | 1,086 |
| Earnings coverage of net charge-offs (x) | 8.8365% | 1,917 |
| Efficiency ratio | 65.1540% | 5,135 |
| Assets per employee ($millions) | 6.8799% | 784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3988% | 4,512 |
| Loan loss allowance to noncurrent loans | 39.1085% | 5,696 |
| Noncurrent assets plus other real estate owned to assets | 1.3668% | 4,295 |
| Noncurrent loans to loans | 3.5767% | 2,098 |
| Net loans and leases to total assets | 34.2776% | 7,216 |
| Net loans and leases to deposits | 43.7902% | 7,123 |
| Net loans and leases to core deposits | 44.8780% | 7,171 |
| Total domestic deposits to total assets | 78.2769% | 6,258 |
| Equity capital to assets | 20.3732% | 237 |
| Core capital (leverage) ratio | 19.1620% | 278 |
| Tier 1 risk-based capital ratio | 54.4254% | 129 |
| Total risk-based capital ratio | 55.7168% | 125 |
| Memoranda: | ||
| Average total assets | $844,532,200 | 797 |
| Average earning assets | $813,601,800 | 745 |
| Average equity | $171,361,200 | 402 |
| Average total loans | $306,360,600 | 1,465 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2486% | 7,031 |
| Cost of funding earning assets | 1.2775% | 4,385 |
| Net interest margin | 2.9711% | 6,892 |
| Noninterest income to average assets | 0.1655% | 6,685 |
| Noninterest expense to average assets | 2.0220% | 7,008 |
| Loan and lease loss provision to assets | 0.2511% | 4,580 |
| Net operating income to assets | 0.5430% | 4,119 |
| Return on assets (ROA) | 0.5569% | 4,228 |
| Pretax return on assets | 0.7735% | 3,996 |
| Return on Equity (ROE) | 2.7476% | 5,325 |
| Retained earnings to average equity (ytd only) | 2.7476% | 4,507 |
| Net charge-offs to loans | 0.2943% | 4,191 |
| Credit loss provision to net charge-offs | 232.7965% | 1,466 |
| Earnings coverage of net charge-offs (x) | 9.3178% | 2,039 |
| Efficiency ratio | 66.7936% | 4,698 |
| Assets per employee ($millions) | 7.0582% | 751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 5,853 |
| Loan loss allowance to noncurrent loans | 28.1996% | 6,439 |
| Noncurrent assets plus other real estate owned to assets | 1.4952% | 4,210 |
| Noncurrent loans to loans | 3.9744% | 1,893 |
| Net loans and leases to total assets | 34.8553% | 7,314 |
| Net loans and leases to deposits | 44.7074% | 7,216 |
| Net loans and leases to core deposits | 45.7895% | 7,271 |
| Total domestic deposits to total assets | 77.9633% | 6,266 |
| Equity capital to assets | 20.3548% | 266 |
| Core capital (leverage) ratio | 18.8720% | 304 |
| Tier 1 risk-based capital ratio | 52.9213% | 141 |
| Total risk-based capital ratio | 54.0607% | 139 |
| Memoranda: | ||
| Average total assets | $844,108,250 | 799 |
| Average earning assets | $813,014,500 | 751 |
| Average equity | $171,100,500 | 396 |
| Average total loans | $309,405,250 | 1,472 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3173% | 7,021 |
| Cost of funding earning assets | 1.3112% | 4,471 |
| Net interest margin | 3.0061% | 6,812 |
| Noninterest income to average assets | 0.1634% | 6,729 |
| Noninterest expense to average assets | 2.0886% | 6,943 |
| Loan and lease loss provision to assets | 0.2252% | 4,654 |
| Net operating income to assets | 0.5378% | 4,155 |
| Return on assets (ROA) | 0.5451% | 4,261 |
| Pretax return on assets | 0.7531% | 4,054 |
| Return on Equity (ROE) | 2.6928% | 5,373 |
| Retained earnings to average equity (ytd only) | 2.6928% | 4,426 |
| Net charge-offs to loans | 0.2434% | 4,139 |
| Credit loss provision to net charge-offs | 249.0765% | 1,547 |
| Earnings coverage of net charge-offs (x) | 10.7098% | 1,854 |
| Efficiency ratio | 68.3262% | 4,514 |
| Assets per employee ($millions) | 6.9379% | 796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9985% | 6,411 |
| Loan loss allowance to noncurrent loans | 42.6957% | 5,478 |
| Noncurrent assets plus other real estate owned to assets | 0.8948% | 5,328 |
| Noncurrent loans to loans | 2.3388% | 3,326 |
| Net loans and leases to total assets | 35.2652% | 7,376 |
| Net loans and leases to deposits | 45.3414% | 7,279 |
| Net loans and leases to core deposits | 46.4336% | 7,334 |
| Total domestic deposits to total assets | 77.7771% | 6,318 |
| Equity capital to assets | 20.1833% | 275 |
| Core capital (leverage) ratio | 19.1205% | 286 |
| Tier 1 risk-based capital ratio | 52.3143% | 146 |
| Total risk-based capital ratio | 53.3392% | 145 |
| Memoranda: | ||
| Average total assets | $838,445,670 | 806 |
| Average earning assets | $807,036,000 | 751 |
| Average equity | $169,709,330 | 399 |
| Average total loans | $311,360,330 | 1,475 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4320% | 6,935 |
| Cost of funding earning assets | 1.3399% | 4,560 |
| Net interest margin | 3.0921% | 6,611 |
| Noninterest income to average assets | 0.1779% | 6,685 |
| Noninterest expense to average assets | 2.2656% | 6,495 |
| Loan and lease loss provision to assets | 0.3094% | 3,564 |
| Net operating income to assets | 0.4333% | 4,696 |
| Return on assets (ROA) | 0.4486% | 4,748 |
| Pretax return on assets | 0.5960% | 4,619 |
| Return on Equity (ROE) | 2.2129% | 5,670 |
| Retained earnings to average equity (ytd only) | 2.2129% | 4,798 |
| Net charge-offs to loans | 0.4831% | 2,612 |
| Credit loss provision to net charge-offs | 168.8654% | 2,158 |
| Earnings coverage of net charge-offs (x) | 4.8311% | 2,538 |
| Efficiency ratio | 71.9086% | 3,946 |
| Assets per employee ($millions) | 6.6096% | 942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8867% | 6,877 |
| Loan loss allowance to noncurrent loans | 50.8018% | 4,943 |
| Noncurrent assets plus other real estate owned to assets | 0.7152% | 5,733 |
| Noncurrent loans to loans | 1.7455% | 4,133 |
| Net loans and leases to total assets | 36.9886% | 7,391 |
| Net loans and leases to deposits | 47.1530% | 7,272 |
| Net loans and leases to core deposits | 48.2502% | 7,349 |
| Total domestic deposits to total assets | 78.4440% | 6,215 |
| Equity capital to assets | 20.2066% | 278 |
| Core capital (leverage) ratio | 19.3061% | 290 |
| Tier 1 risk-based capital ratio | 52.2703% | 143 |
| Total risk-based capital ratio | 53.2114% | 143 |
| Memoranda: | ||
| Average total assets | $827,520,500 | 835 |
| Average earning assets | $795,585,000 | 779 |
| Average equity | $167,746,000 | 409 |
| Average total loans | $313,818,000 | 1,503 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7769% | 6,995 |
| Cost of funding earning assets | 1.6155% | 4,964 |
| Net interest margin | 3.1614% | 6,201 |
| Noninterest income to average assets | 0.2244% | 6,507 |
| Noninterest expense to average assets | 1.9325% | 7,451 |
| Loan and lease loss provision to assets | 0.1492% | 6,172 |
| Net operating income to assets | 0.8210% | 2,447 |
| Return on assets (ROA) | 0.8196% | 2,542 |
| Pretax return on assets | 1.1765% | 2,018 |
| Return on Equity (ROE) | 3.9552% | 4,106 |
| Retained earnings to average equity (ytd only) | 3.9552% | 2,432 |
| Net charge-offs to loans | 0.0572% | 6,526 |
| Credit loss provision to net charge-offs | 626.9841% | 466 |
| Earnings coverage of net charge-offs (x) | 55.7989% | 474 |
| Efficiency ratio | 59.2756% | 6,586 |
| Assets per employee ($millions) | 6.7396% | 891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7875% | 7,170 |
| Loan loss allowance to noncurrent loans | 44.2141% | 5,454 |
| Noncurrent assets plus other real estate owned to assets | 0.7654% | 5,570 |
| Noncurrent loans to loans | 1.7811% | 3,967 |
| Net loans and leases to total assets | 38.2301% | 7,440 |
| Net loans and leases to deposits | 48.7980% | 7,325 |
| Net loans and leases to core deposits | 58.5319% | 7,321 |
| Total domestic deposits to total assets | 78.3437% | 6,158 |
| Equity capital to assets | 20.3360% | 278 |
| Core capital (leverage) ratio | 19.4239% | 307 |
| Tier 1 risk-based capital ratio | 51.9280% | 150 |
| Total risk-based capital ratio | 52.7787% | 150 |
| Memoranda: | ||
| Average total assets | $794,294,600 | 866 |
| Average earning assets | $762,758,000 | 815 |
| Average equity | $164,591,800 | 421 |
| Average total loans | $330,370,800 | 1,460 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8318% | 7,044 |
| Cost of funding earning assets | 1.6753% | 5,033 |
| Net interest margin | 3.1565% | 6,155 |
| Noninterest income to average assets | 0.2345% | 6,546 |
| Noninterest expense to average assets | 1.9451% | 7,478 |
| Loan and lease loss provision to assets | 0.1485% | 5,872 |
| Net operating income to assets | 0.8239% | 2,713 |
| Return on assets (ROA) | 0.8220% | 2,781 |
| Pretax return on assets | 1.1710% | 2,348 |
| Return on Equity (ROE) | 3.9477% | 4,394 |
| Retained earnings to average equity (ytd only) | 3.9477% | 3,072 |
| Net charge-offs to loans | 0.0364% | 6,393 |
| Credit loss provision to net charge-offs | 963.7363% | 389 |
| Earnings coverage of net charge-offs (x) | 85.8024% | 404 |
| Efficiency ratio | 59.5315% | 6,473 |
| Assets per employee ($millions) | 6.7213% | 888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7072% | 7,348 |
| Loan loss allowance to noncurrent loans | 47.8735% | 5,121 |
| Noncurrent assets plus other real estate owned to assets | 0.5987% | 5,953 |
| Noncurrent loans to loans | 1.4773% | 4,459 |
| Net loans and leases to total assets | 39.4462% | 7,485 |
| Net loans and leases to deposits | 50.7611% | 7,374 |
| Net loans and leases to core deposits | 60.7441% | 7,371 |
| Total domestic deposits to total assets | 77.7095% | 6,169 |
| Equity capital to assets | 20.7146% | 293 |
| Core capital (leverage) ratio | 19.6055% | 340 |
| Tier 1 risk-based capital ratio | 51.1453% | 164 |
| Total risk-based capital ratio | 51.9275% | 164 |
| Memoranda: | ||
| Average total assets | $787,311,750 | 878 |
| Average earning assets | $756,464,750 | 829 |
| Average equity | $163,937,750 | 432 |
| Average total loans | $333,755,250 | 1,467 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9196% | 6,988 |
| Cost of funding earning assets | 1.7453% | 5,044 |
| Net interest margin | 3.1743% | 6,005 |
| Noninterest income to average assets | 0.2589% | 6,424 |
| Noninterest expense to average assets | 2.0088% | 7,449 |
| Loan and lease loss provision to assets | 0.1482% | 5,597 |
| Net operating income to assets | 0.8193% | 2,778 |
| Return on assets (ROA) | 0.8199% | 2,872 |
| Pretax return on assets | 1.1489% | 2,470 |
| Return on Equity (ROE) | 3.9304% | 4,522 |
| Retained earnings to average equity (ytd only) | 3.9304% | 3,092 |
| Net charge-offs to loans | 0.0540% | 5,736 |
| Credit loss provision to net charge-offs | 634.0659% | 734 |
| Earnings coverage of net charge-offs (x) | 55.4615% | 637 |
| Efficiency ratio | 60.7787% | 6,434 |
| Assets per employee ($millions) | 6.4093% | 1,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5891% | 7,650 |
| Loan loss allowance to noncurrent loans | 63.5607% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 0.4180% | 6,423 |
| Noncurrent loans to loans | 0.9268% | 5,365 |
| Net loans and leases to total assets | 42.1493% | 7,438 |
| Net loans and leases to deposits | 54.0499% | 7,266 |
| Net loans and leases to core deposits | 64.4581% | 7,276 |
| Total domestic deposits to total assets | 77.9822% | 6,079 |
| Equity capital to assets | 20.5861% | 349 |
| Core capital (leverage) ratio | 19.8749% | 368 |
| Tier 1 risk-based capital ratio | 50.0324% | 185 |
| Total risk-based capital ratio | 50.7037% | 186 |
| Memoranda: | ||
| Average total assets | $778,655,670 | 900 |
| Average earning assets | $747,257,000 | 855 |
| Average equity | $162,427,670 | 442 |
| Average total loans | $337,309,330 | 1,475 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0454% | 6,814 |
| Cost of funding earning assets | 1.8489% | 4,882 |
| Net interest margin | 3.1965% | 5,869 |
| Noninterest income to average assets | 0.2979% | 6,051 |
| Noninterest expense to average assets | 2.0669% | 7,197 |
| Loan and lease loss provision to assets | 0.1645% | 4,823 |
| Net operating income to assets | 0.8373% | 2,962 |
| Return on assets (ROA) | 0.8373% | 3,111 |
| Pretax return on assets | 1.1285% | 2,878 |
| Return on Equity (ROE) | 3.9867% | 4,940 |
| Retained earnings to average equity (ytd only) | 3.9867% | 3,683 |
| Net charge-offs to loans | 0.0237% | 5,224 |
| Credit loss provision to net charge-offs | 1,585.0000% | 395 |
| Earnings coverage of net charge-offs (x) | 124.5500% | 349 |
| Efficiency ratio | 61.5171% | 6,149 |
| Assets per employee ($millions) | 6.4036% | 1,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5262% | 7,782 |
| Loan loss allowance to noncurrent loans | 64.5579% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 0.3723% | 6,393 |
| Noncurrent loans to loans | 0.8150% | 5,408 |
| Net loans and leases to total assets | 43.8198% | 7,358 |
| Net loans and leases to deposits | 56.5748% | 7,125 |
| Net loans and leases to core deposits | 66.9058% | 7,198 |
| Total domestic deposits to total assets | 77.4546% | 6,163 |
| Equity capital to assets | 21.0441% | 360 |
| Core capital (leverage) ratio | 19.9840% | 398 |
| Tier 1 risk-based capital ratio | 49.7284% | 212 |
| Total risk-based capital ratio | 50.3299% | 214 |
| Memoranda: | ||
| Average total assets | $770,607,000 | 907 |
| Average earning assets | $738,179,500 | 869 |
| Average equity | $161,837,000 | 438 |
| Average total loans | $337,480,000 | 1,491 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2489% | 7,646 |
| Cost of funding earning assets | 2.2336% | 5,444 |
| Net interest margin | 3.0153% | 6,870 |
| Noninterest income to average assets | 0.1976% | 7,033 |
| Noninterest expense to average assets | 2.0454% | 7,359 |
| Loan and lease loss provision to assets | 0.0134% | 7,199 |
| Net operating income to assets | 0.6654% | 4,041 |
| Return on assets (ROA) | 0.6655% | 3,888 |
| Pretax return on assets | 1.0161% | 3,327 |
| Return on Equity (ROE) | 3.2391% | 5,140 |
| Retained earnings to average equity (ytd only) | 3.2391% | 3,134 |
| Net charge-offs to loans | 0.0155% | 6,667 |
| Credit loss provision to net charge-offs | 192.3077% | 2,551 |
| Earnings coverage of net charge-offs (x) | 147.7500% | 309 |
| Efficiency ratio | 66.5243% | 5,019 |
| Assets per employee ($millions) | 6.1804% | 1,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4493% | 7,919 |
| Loan loss allowance to noncurrent loans | 117.7533% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 0.1661% | 6,907 |
| Noncurrent loans to loans | 0.3816% | 6,201 |
| Net loans and leases to total assets | 43.3381% | 7,509 |
| Net loans and leases to deposits | 55.8703% | 7,329 |
| Net loans and leases to core deposits | 66.0090% | 7,361 |
| Total domestic deposits to total assets | 77.5692% | 5,851 |
| Equity capital to assets | 20.9579% | 408 |
| Core capital (leverage) ratio | 20.5147% | 403 |
| Tier 1 risk-based capital ratio | 49.7480% | 220 |
| Total risk-based capital ratio | 50.2663% | 223 |
| Memoranda: | ||
| Average total assets | $746,463,000 | 900 |
| Average earning assets | $712,223,200 | 855 |
| Average equity | $153,373,800 | 459 |
| Average total loans | $334,813,400 | 1,452 |