Home > Liberty Savings Bank, F.S.B. > Performance and Condition Ratios
Liberty Savings Bank, F.S.B., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6351% | 2,815 |
| Cost of funding earning assets | 3.3498% | 90 |
| Net interest margin | 1.2853% | 4,529 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 1.2539% | 4,453 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.1581% | 4,205 |
| Return on assets (ROA) | 0.1963% | 4,184 |
| Pretax return on assets | 0.2008% | 4,193 |
| Return on Equity (ROE) | 4.0300% | 3,880 |
| Retained earnings to average equity (ytd only) | 0.9403% | 3,852 |
| Net charge-offs to loans | -0.0203% | 4,159 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 88.5660% | 464 |
| Assets per employee ($millions) | 12.4927% | 367 |
| Cash dividends to net income (ytd only)* | 76.6777% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7903% | 3,991 |
| Loan loss allowance to noncurrent loans | 58.3454% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 1.1575% | 387 |
| Noncurrent loans to loans | 1.3546% | 513 |
| Net loans and leases to total assets | 70.2900% | 1,778 |
| Net loans and leases to deposits | 97.5183% | 676 |
| Net loans and leases to core deposits | 136.0758% | 315 |
| Total domestic deposits to total assets | 72.0800% | 4,228 |
| Equity capital to assets | 5.1496% | 4,388 |
| Core capital (leverage) ratio | 8.0347% | 4,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2939% | 1,030 |
| Memoranda: | ||
| Average total assets | $1,229,971,400 | 838 |
| Average earning assets | $1,187,447,800 | 800 |
| Average equity | $59,874,200 | 1,396 |
| Average total loans | $855,909,800 | 821 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4948% | 2,933 |
| Cost of funding earning assets | 3.1892% | 94 |
| Net interest margin | 1.3056% | 4,545 |
| Noninterest income to average assets | 0.1800% | 3,904 |
| Noninterest expense to average assets | 1.2591% | 4,461 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.1806% | 4,250 |
| Return on assets (ROA) | 0.2399% | 4,202 |
| Pretax return on assets | 0.2445% | 4,208 |
| Return on Equity (ROE) | 5.0000% | 3,803 |
| Retained earnings to average equity (ytd only) | 1.1103% | 3,925 |
| Net charge-offs to loans | -0.0113% | 3,965 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 87.2524% | 468 |
| Assets per employee ($millions) | 12.3738% | 343 |
| Cash dividends to net income (ytd only)* | 77.7978% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7608% | 4,052 |
| Loan loss allowance to noncurrent loans | 55.5848% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 1.1545% | 397 |
| Noncurrent loans to loans | 1.3687% | 556 |
| Net loans and leases to total assets | 69.7900% | 1,855 |
| Net loans and leases to deposits | 99.1752% | 554 |
| Net loans and leases to core deposits | 128.1445% | 365 |
| Total domestic deposits to total assets | 70.3700% | 4,315 |
| Equity capital to assets | 4.2829% | 4,371 |
| Core capital (leverage) ratio | 7.9583% | 4,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8153% | 1,136 |
| Memoranda: | ||
| Average total assets | $1,231,392,750 | 840 |
| Average earning assets | $1,188,873,000 | 806 |
| Average equity | $59,081,250 | 1,401 |
| Average total loans | $853,045,750 | 823 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4123% | 2,859 |
| Cost of funding earning assets | 2.9888% | 85 |
| Net interest margin | 1.4235% | 4,584 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 1.2793% | 4,481 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.2624% | 4,212 |
| Return on assets (ROA) | 0.3530% | 4,108 |
| Pretax return on assets | 0.3576% | 4,169 |
| Return on Equity (ROE) | 7.1300% | 3,453 |
| Retained earnings to average equity (ytd only) | 1.6516% | 3,790 |
| Net charge-offs to loans | -0.0304% | 4,247 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 82.7838% | 667 |
| Assets per employee ($millions) | 12.1640% | 359 |
| Cash dividends to net income (ytd only)* | 76.8445% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8470% | 3,910 |
| Loan loss allowance to noncurrent loans | 60.7012% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 1.1842% | 347 |
| Noncurrent loans to loans | 1.3953% | 500 |
| Net loans and leases to total assets | 69.6200% | 1,785 |
| Net loans and leases to deposits | 92.4649% | 991 |
| Net loans and leases to core deposits | 120.1623% | 508 |
| Total domestic deposits to total assets | 75.2900% | 4,099 |
| Equity capital to assets | 4.8708% | 4,397 |
| Core capital (leverage) ratio | 8.1319% | 4,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9348% | 973 |
| Memoranda: | ||
| Average total assets | $1,220,817,333 | 835 |
| Average earning assets | $1,178,472,667 | 799 |
| Average equity | $60,425,333 | 1,379 |
| Average total loans | $841,517,333 | 818 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3568% | 2,659 |
| Cost of funding earning assets | 2.8181% | 55 |
| Net interest margin | 1.5387% | 4,635 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 1.3174% | 4,526 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3330% | 4,200 |
| Return on assets (ROA) | 0.5276% | 3,793 |
| Pretax return on assets | 0.5322% | 3,948 |
| Return on Equity (ROE) | 10.5700% | 2,617 |
| Retained earnings to average equity (ytd only) | 2.1147% | 3,681 |
| Net charge-offs to loans | -0.0149% | 3,991 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 79.6978% | 856 |
| Assets per employee ($millions) | 11.9440% | 403 |
| Cash dividends to net income (ytd only)* | 80.0000% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8321% | 4,031 |
| Loan loss allowance to noncurrent loans | 56.8802% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 1.2226% | 296 |
| Noncurrent loans to loans | 1.4629% | 445 |
| Net loans and leases to total assets | 69.1700% | 1,709 |
| Net loans and leases to deposits | 88.1128% | 1,197 |
| Net loans and leases to core deposits | 112.6274% | 627 |
| Total domestic deposits to total assets | 78.5000% | 3,941 |
| Equity capital to assets | 5.0467% | 4,414 |
| Core capital (leverage) ratio | 8.0207% | 4,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5894% | 1,055 |
| Memoranda: | ||
| Average total assets | $1,216,944,500 | 857 |
| Average earning assets | $1,172,695,000 | 821 |
| Average equity | $60,717,500 | 1,385 |
| Average total loans | $830,967,000 | 840 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6220% | 2,731 |
| Cost of funding earning assets | 1.0685% | 131 |
| Net interest margin | 2.5535% | 4,227 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 1.3979% | 4,511 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.2880% | 1,478 |
| Return on assets (ROA) | 1.2409% | 1,578 |
| Pretax return on assets | 1.2483% | 2,282 |
| Return on Equity (ROE) | 18.9300% | 580 |
| Retained earnings to average equity (ytd only) | 3.8312% | 3,454 |
| Net charge-offs to loans | 0.0010% | 2,538 |
| Credit loss provision to net charge-offs | 3,750.0000% | 164 |
| Earnings coverage of net charge-offs (x) | 1,902.2500% | 92 |
| Efficiency ratio | 51.3973% | 4,036 |
| Assets per employee ($millions) | 11.0360% | 499 |
| Cash dividends to net income (ytd only)* | 79.7634% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7225% | 4,177 |
| Loan loss allowance to noncurrent loans | 45.5050% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 1.2988% | 274 |
| Noncurrent loans to loans | 1.5877% | 404 |
| Net loans and leases to total assets | 66.2300% | 2,014 |
| Net loans and leases to deposits | 81.1327% | 1,686 |
| Net loans and leases to core deposits | 103.2328% | 848 |
| Total domestic deposits to total assets | 81.6400% | 3,673 |
| Equity capital to assets | 4.9260% | 4,376 |
| Core capital (leverage) ratio | 8.3532% | 4,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2382% | 947 |
| Memoranda: | ||
| Average total assets | $1,151,223,200 | 878 |
| Average earning assets | $1,111,746,800 | 846 |
| Average equity | $75,460,200 | 1,182 |
| Average total loans | $764,751,800 | 846 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5017% | 2,609 |
| Cost of funding earning assets | 0.7383% | 212 |
| Net interest margin | 2.7634% | 3,811 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 1.3955% | 4,514 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.5074% | 840 |
| Return on assets (ROA) | 1.4441% | 946 |
| Pretax return on assets | 1.4535% | 1,543 |
| Return on Equity (ROE) | 20.6900% | 384 |
| Retained earnings to average equity (ytd only) | 4.4545% | 3,308 |
| Net charge-offs to loans | -0.0067% | 3,574 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 47.3384% | 4,309 |
| Assets per employee ($millions) | 10.8301% | 523 |
| Cash dividends to net income (ytd only)* | 78.4691% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7132% | 4,229 |
| Loan loss allowance to noncurrent loans | 54.1266% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 1.0803% | 407 |
| Noncurrent loans to loans | 1.3177% | 557 |
| Net loans and leases to total assets | 67.0600% | 1,775 |
| Net loans and leases to deposits | 77.7546% | 1,738 |
| Net loans and leases to core deposits | 103.1022% | 694 |
| Total domestic deposits to total assets | 86.2400% | 3,008 |
| Equity capital to assets | 4.8308% | 4,327 |
| Core capital (leverage) ratio | 8.1150% | 4,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2269% | 959 |
| Memoranda: | ||
| Average total assets | $1,141,058,250 | 888 |
| Average earning assets | $1,103,479,750 | 857 |
| Average equity | $79,647,250 | 1,147 |
| Average total loans | $757,144,750 | 849 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3886% | 2,472 |
| Cost of funding earning assets | 0.4810% | 585 |
| Net interest margin | 2.9076% | 3,146 |
| Noninterest income to average assets | 0.2838% | 3,475 |
| Noninterest expense to average assets | 1.4091% | 4,517 |
| Loan and lease loss provision to assets | 0.0535% | 1,622 |
| Net operating income to assets | 1.6261% | 518 |
| Return on assets (ROA) | 1.6217% | 510 |
| Pretax return on assets | 1.6311% | 878 |
| Return on Equity (ROE) | 20.9285% | 249 |
| Retained earnings to average equity (ytd only) | 4.2009% | 3,009 |
| Net charge-offs to loans | -0.0225% | 3,926 |
| Credit loss provision to net charge-offs | -361.4458% | 3,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4813% | 4,475 |
| Assets per employee ($millions) | 11.1107% | 475 |
| Cash dividends to net income (ytd only)* | 79.9274% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6990% | 4,334 |
| Loan loss allowance to noncurrent loans | 58.8900% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 0.9712% | 494 |
| Noncurrent loans to loans | 1.1870% | 675 |
| Net loans and leases to total assets | 66.0336% | 1,685 |
| Net loans and leases to deposits | 89.2890% | 762 |
| Net loans and leases to core deposits | 114.5398% | 271 |
| Total domestic deposits to total assets | 73.9549% | 4,532 |
| Equity capital to assets | 5.5494% | 4,348 |
| Core capital (leverage) ratio | 7.7252% | 4,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2620% | 1,133 |
| Memoranda: | ||
| Average total assets | $1,120,698,667 | 893 |
| Average earning assets | $1,084,820,667 | 871 |
| Average equity | $86,838,667 | 1,090 |
| Average total loans | $738,886,333 | 852 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1711% | 2,771 |
| Cost of funding earning assets | 0.3399% | 1,286 |
| Net interest margin | 2.8312% | 3,039 |
| Noninterest income to average assets | 0.2787% | 3,472 |
| Noninterest expense to average assets | 1.5004% | 4,428 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.5141% | 610 |
| Return on assets (ROA) | 1.5141% | 600 |
| Pretax return on assets | 1.5240% | 973 |
| Return on Equity (ROE) | 16.7133% | 456 |
| Retained earnings to average equity (ytd only) | 16.7133% | 194 |
| Net charge-offs to loans | 0.0307% | 1,000 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 75.7170% | 767 |
| Efficiency ratio | 49.6107% | 4,332 |
| Assets per employee ($millions) | 9.6781% | 736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7947% | 4,253 |
| Loan loss allowance to noncurrent loans | 52.5599% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 1.1217% | 412 |
| Noncurrent loans to loans | 1.5120% | 541 |
| Net loans and leases to total assets | 60.0464% | 2,059 |
| Net loans and leases to deposits | 66.2622% | 2,313 |
| Net loans and leases to core deposits | 93.8999% | 737 |
| Total domestic deposits to total assets | 90.6194% | 1,233 |
| Equity capital to assets | 7.8503% | 3,688 |
| Core capital (leverage) ratio | 9.6463% | 2,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6116% | 809 |
| Memoranda: | ||
| Average total assets | $1,053,291,500 | 937 |
| Average earning assets | $1,021,480,000 | 906 |
| Average equity | $95,421,000 | 1,020 |
| Average total loans | $690,881,000 | 891 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2083% | 3,453 |
| Cost of funding earning assets | 0.3925% | 1,601 |
| Net interest margin | 2.8158% | 3,625 |
| Noninterest income to average assets | 1.0860% | 873 |
| Noninterest expense to average assets | 1.9457% | 3,826 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.8438% | 462 |
| Return on assets (ROA) | 2.0340% | 335 |
| Pretax return on assets | 2.0436% | 559 |
| Return on Equity (ROE) | 19.8690% | 315 |
| Retained earnings to average equity (ytd only) | 18.2974% | 87 |
| Net charge-offs to loans | -0.0166% | 3,914 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2139% | 4,184 |
| Assets per employee ($millions) | 8.4096% | 1,115 |
| Cash dividends to net income (ytd only)* | 7.9097% | 3,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7765% | 4,303 |
| Loan loss allowance to noncurrent loans | 50.7350% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 1.3280% | 341 |
| Noncurrent loans to loans | 1.5305% | 588 |
| Net loans and leases to total assets | 70.8177% | 945 |
| Net loans and leases to deposits | 81.2379% | 1,121 |
| Net loans and leases to core deposits | 117.5127% | 185 |
| Total domestic deposits to total assets | 87.1731% | 2,442 |
| Equity capital to assets | 10.4388% | 2,230 |
| Core capital (leverage) ratio | 11.2033% | 1,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9016% | 768 |
| Memoranda: | ||
| Average total assets | $932,362,200 | 1,015 |
| Average earning assets | $898,394,800 | 978 |
| Average equity | $95,445,200 | 1,045 |
| Average total loans | $601,782,400 | 1,011 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3364% | 3,291 |
| Cost of funding earning assets | 0.4145% | 1,590 |
| Net interest margin | 2.9219% | 3,501 |
| Noninterest income to average assets | 1.2220% | 767 |
| Noninterest expense to average assets | 2.0923% | 3,390 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.9318% | 527 |
| Return on assets (ROA) | 2.1763% | 356 |
| Pretax return on assets | 2.1861% | 564 |
| Return on Equity (ROE) | 21.3718% | 336 |
| Retained earnings to average equity (ytd only) | 21.3718% | 95 |
| Net charge-offs to loans | -0.0289% | 4,113 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8674% | 4,034 |
| Assets per employee ($millions) | 7.2856% | 1,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9536% | 3,996 |
| Loan loss allowance to noncurrent loans | 48.4607% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 1.6217% | 291 |
| Noncurrent loans to loans | 1.9679% | 454 |
| Net loans and leases to total assets | 66.1805% | 1,523 |
| Net loans and leases to deposits | 77.3034% | 1,548 |
| Net loans and leases to core deposits | 99.6654% | 600 |
| Total domestic deposits to total assets | 85.6114% | 2,909 |
| Equity capital to assets | 11.7404% | 1,522 |
| Core capital (leverage) ratio | 11.0652% | 1,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2033% | 471 |
| Memoranda: | ||
| Average total assets | $919,471,000 | 1,039 |
| Average earning assets | $884,875,750 | 1,006 |
| Average equity | $93,629,000 | 1,078 |
| Average total loans | $576,666,250 | 1,069 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4389% | 3,056 |
| Cost of funding earning assets | 0.4356% | 1,610 |
| Net interest margin | 3.0033% | 3,312 |
| Noninterest income to average assets | 1.2357% | 762 |
| Noninterest expense to average assets | 2.0865% | 3,423 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.0300% | 465 |
| Return on assets (ROA) | 2.0549% | 468 |
| Pretax return on assets | 2.0645% | 735 |
| Return on Equity (ROE) | 21.1680% | 373 |
| Retained earnings to average equity (ytd only) | 21.1680% | 125 |
| Net charge-offs to loans | -0.0284% | 4,138 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5676% | 4,187 |
| Assets per employee ($millions) | 7.6964% | 1,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0141% | 3,772 |
| Loan loss allowance to noncurrent loans | 49.2121% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 1.6071% | 329 |
| Noncurrent loans to loans | 2.0607% | 460 |
| Net loans and leases to total assets | 57.4312% | 2,731 |
| Net loans and leases to deposits | 66.0605% | 2,819 |
| Net loans and leases to core deposits | 94.4007% | 887 |
| Total domestic deposits to total assets | 86.9374% | 2,360 |
| Equity capital to assets | 10.5751% | 2,333 |
| Core capital (leverage) ratio | 9.9392% | 2,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2425% | 598 |
| Memoranda: | ||
| Average total assets | $939,393,667 | 1,016 |
| Average earning assets | $904,075,333 | 989 |
| Average equity | $91,194,333 | 1,096 |
| Average total loans | $577,410,333 | 1,071 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4046% | 3,180 |
| Cost of funding earning assets | 0.4686% | 1,598 |
| Net interest margin | 2.9359% | 3,421 |
| Noninterest income to average assets | 1.3305% | 736 |
| Noninterest expense to average assets | 1.9242% | 3,929 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.2193% | 403 |
| Return on assets (ROA) | 2.2687% | 405 |
| Pretax return on assets | 2.2785% | 607 |
| Return on Equity (ROE) | 24.4345% | 279 |
| Retained earnings to average equity (ytd only) | 24.4345% | 150 |
| Net charge-offs to loans | 0.0013% | 1,892 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 2,639.5000% | 22 |
| Efficiency ratio | 46.3298% | 4,444 |
| Assets per employee ($millions) | 8.8257% | 884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9022% | 4,150 |
| Loan loss allowance to noncurrent loans | 35.1947% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 2.1511% | 219 |
| Noncurrent loans to loans | 2.5635% | 354 |
| Net loans and leases to total assets | 60.5396% | 2,474 |
| Net loans and leases to deposits | 69.5731% | 2,552 |
| Net loans and leases to core deposits | 108.7848% | 446 |
| Total domestic deposits to total assets | 87.0158% | 2,307 |
| Equity capital to assets | 9.0933% | 3,603 |
| Core capital (leverage) ratio | 9.3343% | 3,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0297% | 786 |
| Memoranda: | ||
| Average total assets | $947,307,000 | 994 |
| Average earning assets | $910,780,000 | 967 |
| Average equity | $87,957,500 | 1,115 |
| Average total loans | $598,190,500 | 1,036 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7197% | 3,528 |
| Cost of funding earning assets | 0.8890% | 883 |
| Net interest margin | 2.8307% | 4,209 |
| Noninterest income to average assets | 2.0649% | 316 |
| Noninterest expense to average assets | 1.8728% | 4,361 |
| Loan and lease loss provision to assets | 0.0377% | 3,941 |
| Net operating income to assets | 2.8349% | 106 |
| Return on assets (ROA) | 2.8212% | 110 |
| Pretax return on assets | 2.8307% | 135 |
| Return on Equity (ROE) | 29.9004% | 67 |
| Retained earnings to average equity (ytd only) | 26.6332% | 37 |
| Net charge-offs to loans | -0.0580% | 4,698 |
| Credit loss provision to net charge-offs | -94.0063% | 3,730 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.3868% | 4,884 |
| Assets per employee ($millions) | 8.2481% | 949 |
| Cash dividends to net income (ytd only)* | 10.9269% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8873% | 4,224 |
| Loan loss allowance to noncurrent loans | 39.2247% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 2.0782% | 264 |
| Noncurrent loans to loans | 2.2621% | 474 |
| Net loans and leases to total assets | 64.7273% | 2,273 |
| Net loans and leases to deposits | 73.5799% | 2,525 |
| Net loans and leases to core deposits | 121.0203% | 298 |
| Total domestic deposits to total assets | 87.9688% | 1,487 |
| Equity capital to assets | 9.4865% | 3,624 |
| Core capital (leverage) ratio | 9.4925% | 3,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4648% | 842 |
| Memoranda: | ||
| Average total assets | $790,868,000 | 1,072 |
| Average earning assets | $751,521,400 | 1,046 |
| Average equity | $74,621,200 | 1,224 |
| Average total loans | $546,631,400 | 1,060 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6469% | 3,917 |
| Cost of funding earning assets | 1.0056% | 748 |
| Net interest margin | 2.6413% | 4,536 |
| Noninterest income to average assets | 2.2643% | 282 |
| Noninterest expense to average assets | 1.6347% | 4,698 |
| Loan and lease loss provision to assets | 0.1810% | 2,173 |
| Net operating income to assets | 2.9417% | 97 |
| Return on assets (ROA) | 2.9227% | 103 |
| Pretax return on assets | 2.9327% | 126 |
| Return on Equity (ROE) | 31.0272% | 57 |
| Retained earnings to average equity (ytd only) | 26.4725% | 43 |
| Net charge-offs to loans | 0.0145% | 2,599 |
| Credit loss provision to net charge-offs | 1,772.4138% | 534 |
| Earnings coverage of net charge-offs (x) | 306.9138% | 352 |
| Efficiency ratio | 34.2894% | 4,968 |
| Assets per employee ($millions) | 7.7000% | 1,123 |
| Cash dividends to net income (ytd only)* | 14.6797% | 2,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9865% | 3,759 |
| Loan loss allowance to noncurrent loans | 74.9901% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 1.7928% | 424 |
| Noncurrent loans to loans | 1.3155% | 1,125 |
| Net loans and leases to total assets | 71.5544% | 1,734 |
| Net loans and leases to deposits | 82.1458% | 2,085 |
| Net loans and leases to core deposits | 119.7336% | 420 |
| Total domestic deposits to total assets | 87.1066% | 1,622 |
| Equity capital to assets | 10.0704% | 3,165 |
| Core capital (leverage) ratio | 9.4830% | 3,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1472% | 769 |
| Memoranda: | ||
| Average total assets | $757,638,000 | 1,088 |
| Average earning assets | $717,968,250 | 1,064 |
| Average equity | $71,367,750 | 1,263 |
| Average total loans | $532,465,250 | 1,078 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5586% | 4,336 |
| Cost of funding earning assets | 1.1251% | 659 |
| Net interest margin | 2.4335% | 4,775 |
| Noninterest income to average assets | 2.3639% | 239 |
| Noninterest expense to average assets | 1.4539% | 4,877 |
| Loan and lease loss provision to assets | 0.1776% | 2,240 |
| Net operating income to assets | 3.0232% | 82 |
| Return on assets (ROA) | 2.9941% | 90 |
| Pretax return on assets | 3.0046% | 114 |
| Return on Equity (ROE) | 32.5943% | 50 |
| Retained earnings to average equity (ytd only) | 25.4527% | 47 |
| Net charge-offs to loans | -0.0027% | 3,868 |
| Credit loss provision to net charge-offs | -9,428.5714% | 4,202 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.1646% | 5,012 |
| Assets per employee ($millions) | 8.1848% | 906 |
| Cash dividends to net income (ytd only)* | 21.9107% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9009% | 4,002 |
| Loan loss allowance to noncurrent loans | 96.9159% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 1.4224% | 677 |
| Noncurrent loans to loans | 0.9295% | 1,663 |
| Net loans and leases to total assets | 72.6431% | 1,601 |
| Net loans and leases to deposits | 82.5202% | 2,150 |
| Net loans and leases to core deposits | 135.2526% | 204 |
| Total domestic deposits to total assets | 88.0307% | 1,162 |
| Equity capital to assets | 9.1257% | 3,980 |
| Core capital (leverage) ratio | 8.6514% | 4,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0575% | 895 |
| Memoranda: | ||
| Average total assets | $743,250,667 | 1,088 |
| Average earning assets | $702,865,333 | 1,072 |
| Average equity | $68,275,667 | 1,299 |
| Average total loans | $517,048,000 | 1,086 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4778% | 4,650 |
| Cost of funding earning assets | 1.4027% | 393 |
| Net interest margin | 2.0752% | 4,998 |
| Noninterest income to average assets | 3.8400% | 116 |
| Noninterest expense to average assets | 1.7953% | 4,672 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 3.9907% | 39 |
| Return on assets (ROA) | 4.0242% | 38 |
| Pretax return on assets | 4.0355% | 46 |
| Return on Equity (ROE) | 43.6408% | 19 |
| Retained earnings to average equity (ytd only) | 28.6533% | 19 |
| Net charge-offs to loans | -0.0967% | 4,807 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.9670% | 5,060 |
| Assets per employee ($millions) | 7.1050% | 1,048 |
| Cash dividends to net income (ytd only)* | 34.3429% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0257% | 3,568 |
| Loan loss allowance to noncurrent loans | 98.6182% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 1.4942% | 717 |
| Noncurrent loans to loans | 1.0401% | 1,600 |
| Net loans and leases to total assets | 65.9072% | 2,828 |
| Net loans and leases to deposits | 105.6492% | 305 |
| Net loans and leases to core deposits | 123.7143% | 370 |
| Total domestic deposits to total assets | 62.3831% | 5,010 |
| Equity capital to assets | 9.5212% | 4,204 |
| Core capital (leverage) ratio | 9.7750% | 3,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9964% | 641 |
| Memoranda: | ||
| Average total assets | $705,634,000 | 1,110 |
| Average earning assets | $665,585,500 | 1,083 |
| Average equity | $65,067,500 | 1,347 |
| Average total loans | $475,583,500 | 1,137 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9534% | 4,344 |
| Cost of funding earning assets | 1.5692% | 330 |
| Net interest margin | 2.3842% | 5,016 |
| Noninterest income to average assets | 0.6839% | 1,870 |
| Noninterest expense to average assets | 2.3791% | 3,737 |
| Loan and lease loss provision to assets | -0.5192% | 5,167 |
| Net operating income to assets | 1.0469% | 2,664 |
| Return on assets (ROA) | 1.0938% | 2,568 |
| Pretax return on assets | 1.1039% | 3,149 |
| Return on Equity (ROE) | 11.5690% | 1,662 |
| Retained earnings to average equity (ytd only) | -0.9987% | 4,805 |
| Net charge-offs to loans | -0.4249% | 5,115 |
| Credit loss provision to net charge-offs | 157.8096% | 1,632 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5722% | 824 |
| Assets per employee ($millions) | 6.3706% | 1,374 |
| Cash dividends to net income (ytd only)* | 108.6322% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9911% | 3,571 |
| Loan loss allowance to noncurrent loans | 90.1789% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 1.8537% | 457 |
| Noncurrent loans to loans | 1.0991% | 1,374 |
| Net loans and leases to total assets | 67.5409% | 2,748 |
| Net loans and leases to deposits | 87.5738% | 1,902 |
| Net loans and leases to core deposits | 101.2991% | 1,461 |
| Total domestic deposits to total assets | 77.1245% | 4,476 |
| Equity capital to assets | 8.9169% | 4,723 |
| Core capital (leverage) ratio | 8.8925% | 4,605 |
| Tier 1 risk-based capital ratio | 19.5146% | 1,410 |
| Total risk-based capital ratio | 20.7674% | 1,374 |
| Memoranda: | ||
| Average total assets | $657,736,800 | 1,138 |
| Average earning assets | $615,929,800 | 1,120 |
| Average equity | $62,183,600 | 1,348 |
| Average total loans | $509,334,200 | 1,061 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0416% | 4,281 |
| Cost of funding earning assets | 1.5440% | 358 |
| Net interest margin | 2.4976% | 5,066 |
| Noninterest income to average assets | 0.5523% | 2,447 |
| Noninterest expense to average assets | 2.3429% | 3,836 |
| Loan and lease loss provision to assets | -0.3946% | 5,238 |
| Net operating income to assets | 0.9288% | 3,235 |
| Return on assets (ROA) | 0.9923% | 3,079 |
| Pretax return on assets | 1.0024% | 3,593 |
| Return on Equity (ROE) | 10.3366% | 2,278 |
| Retained earnings to average equity (ytd only) | -1.1163% | 4,869 |
| Net charge-offs to loans | -0.5329% | 5,194 |
| Credit loss provision to net charge-offs | 92.6463% | 2,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1666% | 817 |
| Assets per employee ($millions) | 6.3350% | 1,372 |
| Cash dividends to net income (ytd only)* | 110.7996% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2437% | 2,270 |
| Loan loss allowance to noncurrent loans | 89.6365% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 2.1499% | 382 |
| Noncurrent loans to loans | 1.3875% | 1,104 |
| Net loans and leases to total assets | 68.7264% | 2,668 |
| Net loans and leases to deposits | 93.7968% | 1,238 |
| Net loans and leases to core deposits | 107.8754% | 1,062 |
| Total domestic deposits to total assets | 73.2716% | 4,849 |
| Equity capital to assets | 8.9227% | 4,817 |
| Core capital (leverage) ratio | 9.2360% | 4,447 |
| Tier 1 risk-based capital ratio | 17.9859% | 1,825 |
| Total risk-based capital ratio | 19.2420% | 1,768 |
| Memoranda: | ||
| Average total assets | $646,979,000 | 1,148 |
| Average earning assets | $604,664,250 | 1,132 |
| Average equity | $62,107,750 | 1,350 |
| Average total loans | $517,157,000 | 1,047 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9448% | 4,491 |
| Cost of funding earning assets | 1.4781% | 405 |
| Net interest margin | 2.4667% | 5,144 |
| Noninterest income to average assets | 0.4871% | 2,748 |
| Noninterest expense to average assets | 2.4317% | 3,648 |
| Loan and lease loss provision to assets | -0.3050% | 5,275 |
| Net operating income to assets | 0.6484% | 4,172 |
| Return on assets (ROA) | 0.7458% | 3,910 |
| Pretax return on assets | 0.7557% | 4,204 |
| Return on Equity (ROE) | 7.5679% | 3,466 |
| Retained earnings to average equity (ytd only) | -5.2733% | 5,066 |
| Net charge-offs to loans | -0.3928% | 5,210 |
| Credit loss provision to net charge-offs | 92.6285% | 2,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3451% | 473 |
| Assets per employee ($millions) | 5.6095% | 1,863 |
| Cash dividends to net income (ytd only)* | 169.6788% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1331% | 2,887 |
| Loan loss allowance to noncurrent loans | 79.3329% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 2.2702% | 357 |
| Noncurrent loans to loans | 1.4283% | 1,081 |
| Net loans and leases to total assets | 82.0335% | 609 |
| Net loans and leases to deposits | 101.6313% | 566 |
| Net loans and leases to core deposits | 116.9304% | 649 |
| Total domestic deposits to total assets | 80.7168% | 3,890 |
| Equity capital to assets | 9.6358% | 4,284 |
| Core capital (leverage) ratio | 10.1817% | 3,409 |
| Tier 1 risk-based capital ratio | 18.3458% | 1,712 |
| Total risk-based capital ratio | 19.6027% | 1,667 |
| Memoranda: | ||
| Average total assets | $626,133,670 | 1,184 |
| Average earning assets | $583,050,330 | 1,177 |
| Average equity | $61,707,670 | 1,342 |
| Average total loans | $524,954,330 | 1,022 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0946% | 4,137 |
| Cost of funding earning assets | 1.4475% | 388 |
| Net interest margin | 2.6472% | 5,104 |
| Noninterest income to average assets | 0.5371% | 2,355 |
| Noninterest expense to average assets | 2.6803% | 2,966 |
| Loan and lease loss provision to assets | -0.3243% | 5,324 |
| Net operating income to assets | 0.6240% | 4,169 |
| Return on assets (ROA) | 0.6240% | 4,213 |
| Pretax return on assets | 0.6344% | 4,452 |
| Return on Equity (ROE) | 6.2588% | 3,937 |
| Retained earnings to average equity (ytd only) | -13.2593% | 5,179 |
| Net charge-offs to loans | -0.4048% | 5,250 |
| Credit loss provision to net charge-offs | 95.0570% | 1,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6312% | 409 |
| Assets per employee ($millions) | 5.2483% | 2,230 |
| Cash dividends to net income (ytd only)* | 311.8503% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1939% | 2,611 |
| Loan loss allowance to noncurrent loans | 72.7119% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 2.6186% | 280 |
| Noncurrent loans to loans | 1.6419% | 956 |
| Net loans and leases to total assets | 83.1881% | 442 |
| Net loans and leases to deposits | 97.6636% | 817 |
| Net loans and leases to core deposits | 110.5114% | 901 |
| Total domestic deposits to total assets | 85.1782% | 2,609 |
| Equity capital to assets | 10.1859% | 3,637 |
| Core capital (leverage) ratio | 9.9060% | 3,704 |
| Tier 1 risk-based capital ratio | 19.1507% | 1,517 |
| Total risk-based capital ratio | 20.4083% | 1,484 |
| Memoranda: | ||
| Average total assets | $616,653,500 | 1,202 |
| Average earning assets | $571,482,000 | 1,206 |
| Average equity | $61,481,500 | 1,341 |
| Average total loans | $519,802,500 | 1,038 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0573% | 3,876 |
| Cost of funding earning assets | 1.2717% | 249 |
| Net interest margin | 2.7856% | 5,031 |
| Noninterest income to average assets | 0.7859% | 1,494 |
| Noninterest expense to average assets | 2.6974% | 3,032 |
| Loan and lease loss provision to assets | -0.2329% | 5,346 |
| Net operating income to assets | 0.8789% | 3,502 |
| Return on assets (ROA) | 0.8727% | 3,517 |
| Pretax return on assets | 0.8824% | 3,942 |
| Return on Equity (ROE) | 9.2990% | 2,837 |
| Retained earnings to average equity (ytd only) | 0.6420% | 4,820 |
| Net charge-offs to loans | -0.3292% | 5,315 |
| Credit loss provision to net charge-offs | 84.6501% | 2,791 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4465% | 917 |
| Assets per employee ($millions) | 5.0397% | 2,448 |
| Cash dividends to net income (ytd only)* | 93.0961% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1176% | 2,992 |
| Loan loss allowance to noncurrent loans | 66.6333% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 2.5948% | 282 |
| Noncurrent loans to loans | 1.6773% | 866 |
| Net loans and leases to total assets | 83.4460% | 461 |
| Net loans and leases to deposits | 111.0505% | 227 |
| Net loans and leases to core deposits | 126.5399% | 386 |
| Total domestic deposits to total assets | 75.1424% | 4,860 |
| Equity capital to assets | 9.7669% | 3,887 |
| Core capital (leverage) ratio | 9.5697% | 4,039 |
| Tier 1 risk-based capital ratio | 17.3466% | 1,936 |
| Total risk-based capital ratio | 18.6013% | 1,895 |
| Memoranda: | ||
| Average total assets | $643,953,600 | 1,124 |
| Average earning assets | $593,447,600 | 1,129 |
| Average equity | $60,436,600 | 1,312 |
| Average total loans | $538,325,400 | 969 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9621% | 4,042 |
| Cost of funding earning assets | 1.2060% | 245 |
| Net interest margin | 2.7562% | 5,125 |
| Noninterest income to average assets | 0.7333% | 1,738 |
| Noninterest expense to average assets | 2.7244% | 2,902 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5373% | 4,676 |
| Return on assets (ROA) | 0.5373% | 4,684 |
| Pretax return on assets | 0.5468% | 4,822 |
| Return on Equity (ROE) | 5.7826% | 4,331 |
| Retained earnings to average equity (ytd only) | -3.3887% | 5,269 |
| Net charge-offs to loans | -0.2939% | 5,357 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2850% | 685 |
| Assets per employee ($millions) | 5.2625% | 2,158 |
| Cash dividends to net income (ytd only)* | 158.6023% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2338% | 2,431 |
| Loan loss allowance to noncurrent loans | 81.6462% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 2.4392% | 363 |
| Noncurrent loans to loans | 1.5112% | 1,077 |
| Net loans and leases to total assets | 83.3466% | 531 |
| Net loans and leases to deposits | 119.5421% | 106 |
| Net loans and leases to core deposits | 135.3745% | 252 |
| Total domestic deposits to total assets | 69.7216% | 5,223 |
| Equity capital to assets | 8.9206% | 4,617 |
| Core capital (leverage) ratio | 9.2226% | 4,493 |
| Tier 1 risk-based capital ratio | 17.8287% | 1,834 |
| Total risk-based capital ratio | 19.0879% | 1,798 |
| Memoranda: | ||
| Average total assets | $646,192,000 | 1,124 |
| Average earning assets | $595,017,250 | 1,122 |
| Average equity | $60,040,750 | 1,321 |
| Average total loans | $538,939,000 | 967 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8551% | 4,203 |
| Cost of funding earning assets | 1.1401% | 243 |
| Net interest margin | 2.7149% | 5,205 |
| Noninterest income to average assets | 0.8261% | 1,402 |
| Noninterest expense to average assets | 2.8397% | 2,539 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4690% | 4,823 |
| Return on assets (ROA) | 0.4690% | 4,827 |
| Pretax return on assets | 0.4786% | 4,939 |
| Return on Equity (ROE) | 4.9786% | 4,554 |
| Retained earnings to average equity (ytd only) | -6.2482% | 5,337 |
| Net charge-offs to loans | -0.2785% | 5,375 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5758% | 592 |
| Assets per employee ($millions) | 5.4590% | 1,928 |
| Cash dividends to net income (ytd only)* | 225.4993% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1804% | 2,833 |
| Loan loss allowance to noncurrent loans | 73.5284% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 2.2015% | 447 |
| Noncurrent loans to loans | 1.6054% | 1,010 |
| Net loans and leases to total assets | 81.8465% | 722 |
| Net loans and leases to deposits | 117.6002% | 136 |
| Net loans and leases to core deposits | 131.3156% | 307 |
| Total domestic deposits to total assets | 69.5972% | 5,289 |
| Equity capital to assets | 8.9646% | 4,588 |
| Core capital (leverage) ratio | 9.6579% | 3,934 |
| Tier 1 risk-based capital ratio | 17.4583% | 1,954 |
| Total risk-based capital ratio | 18.7154% | 1,903 |
| Memoranda: | ||
| Average total assets | $640,565,000 | 1,137 |
| Average earning assets | $588,007,000 | 1,142 |
| Average equity | $60,337,670 | 1,314 |
| Average total loans | $532,067,670 | 984 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9493% | 3,790 |
| Cost of funding earning assets | 1.1004% | 230 |
| Net interest margin | 2.8489% | 5,098 |
| Noninterest income to average assets | 1.1938% | 642 |
| Noninterest expense to average assets | 3.3119% | 1,326 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4815% | 4,736 |
| Return on assets (ROA) | 0.4815% | 4,741 |
| Pretax return on assets | 0.4916% | 4,882 |
| Return on Equity (ROE) | 4.9853% | 4,495 |
| Retained earnings to average equity (ytd only) | -12.2826% | 5,413 |
| Net charge-offs to loans | -0.3576% | 5,469 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0747% | 582 |
| Assets per employee ($millions) | 5.0295% | 2,451 |
| Cash dividends to net income (ytd only)* | 346.3768% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1898% | 2,868 |
| Loan loss allowance to noncurrent loans | 76.5121% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 2.1082% | 518 |
| Noncurrent loans to loans | 1.5551% | 1,126 |
| Net loans and leases to total assets | 82.3726% | 617 |
| Net loans and leases to deposits | 116.5954% | 148 |
| Net loans and leases to core deposits | 129.8415% | 345 |
| Total domestic deposits to total assets | 70.6482% | 5,347 |
| Equity capital to assets | 9.5350% | 4,060 |
| Core capital (leverage) ratio | 9.6212% | 3,939 |
| Tier 1 risk-based capital ratio | 18.1419% | 1,792 |
| Total risk-based capital ratio | 19.3991% | 1,745 |
| Memoranda: | ||
| Average total assets | $630,575,000 | 1,165 |
| Average earning assets | $577,622,000 | 1,175 |
| Average equity | $60,899,000 | 1,316 |
| Average total loans | $524,556,000 | 1,000 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7850% | 4,096 |
| Cost of funding earning assets | 0.8873% | 399 |
| Net interest margin | 2.8977% | 5,045 |
| Noninterest income to average assets | 0.8948% | 1,283 |
| Noninterest expense to average assets | 2.5077% | 3,759 |
| Loan and lease loss provision to assets | -0.1161% | 5,500 |
| Net operating income to assets | 1.1465% | 1,689 |
| Return on assets (ROA) | 1.1649% | 1,663 |
| Pretax return on assets | 1.1765% | 2,867 |
| Return on Equity (ROE) | 12.1684% | 1,166 |
| Retained earnings to average equity (ytd only) | -0.5241% | 5,120 |
| Net charge-offs to loans | -0.0289% | 5,056 |
| Credit loss provision to net charge-offs | 474.6835% | 661 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6501% | 2,450 |
| Assets per employee ($millions) | 5.0999% | 2,363 |
| Cash dividends to net income (ytd only)* | 104.3074% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0803% | 3,449 |
| Loan loss allowance to noncurrent loans | 71.7855% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 1.9388% | 598 |
| Noncurrent loans to loans | 1.5049% | 1,130 |
| Net loans and leases to total assets | 82.1165% | 668 |
| Net loans and leases to deposits | 136.0697% | 29 |
| Net loans and leases to core deposits | 147.3409% | 147 |
| Total domestic deposits to total assets | 60.3488% | 5,583 |
| Equity capital to assets | 9.7777% | 3,941 |
| Core capital (leverage) ratio | 9.8353% | 3,656 |
| Tier 1 risk-based capital ratio | 18.1896% | 1,745 |
| Total risk-based capital ratio | 19.4445% | 1,694 |
| Memoranda: | ||
| Average total assets | $645,741,800 | 1,127 |
| Average earning assets | $591,573,600 | 1,129 |
| Average equity | $61,815,600 | 1,282 |
| Average total loans | $546,362,400 | 939 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7469% | 4,191 |
| Cost of funding earning assets | 0.8613% | 430 |
| Net interest margin | 2.8856% | 5,105 |
| Noninterest income to average assets | 0.8585% | 1,401 |
| Noninterest expense to average assets | 2.5167% | 3,674 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9749% | 2,661 |
| Return on assets (ROA) | 1.0071% | 2,561 |
| Pretax return on assets | 1.0200% | 3,606 |
| Return on Equity (ROE) | 10.5758% | 1,870 |
| Retained earnings to average equity (ytd only) | -2.8985% | 5,482 |
| Net charge-offs to loans | 0.0056% | 3,535 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 208.5807% | 411 |
| Efficiency ratio | 71.8196% | 2,228 |
| Assets per employee ($millions) | 5.0842% | 2,347 |
| Cash dividends to net income (ytd only)* | 127.4064% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1728% | 3,069 |
| Loan loss allowance to noncurrent loans | 83.7352% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 1.8258% | 750 |
| Noncurrent loans to loans | 1.4006% | 1,336 |
| Net loans and leases to total assets | 82.6858% | 580 |
| Net loans and leases to deposits | 139.3860% | 20 |
| Net loans and leases to core deposits | 149.4890% | 125 |
| Total domestic deposits to total assets | 59.3215% | 5,658 |
| Equity capital to assets | 9.6437% | 4,301 |
| Core capital (leverage) ratio | 9.6709% | 3,966 |
| Tier 1 risk-based capital ratio | 17.8549% | 1,893 |
| Total risk-based capital ratio | 19.1118% | 1,841 |
| Memoranda: | ||
| Average total assets | $647,804,250 | 1,129 |
| Average earning assets | $593,970,250 | 1,129 |
| Average equity | $61,686,500 | 1,290 |
| Average total loans | $550,652,250 | 936 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7321% | 4,125 |
| Cost of funding earning assets | 0.8385% | 424 |
| Net interest margin | 2.8937% | 5,107 |
| Noninterest income to average assets | 0.7828% | 1,632 |
| Noninterest expense to average assets | 2.4177% | 3,999 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0056% | 2,400 |
| Return on assets (ROA) | 1.0092% | 2,419 |
| Pretax return on assets | 1.0228% | 3,469 |
| Return on Equity (ROE) | 10.6429% | 1,784 |
| Retained earnings to average equity (ytd only) | -4.3856% | 5,507 |
| Net charge-offs to loans | 0.0832% | 1,777 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 14.3420% | 2,078 |
| Efficiency ratio | 70.3482% | 2,612 |
| Assets per employee ($millions) | 5.0809% | 2,302 |
| Cash dividends to net income (ytd only)* | 141.2069% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1045% | 3,560 |
| Loan loss allowance to noncurrent loans | 66.7545% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 1.9961% | 640 |
| Noncurrent loans to loans | 1.6546% | 1,110 |
| Net loans and leases to total assets | 83.0296% | 549 |
| Net loans and leases to deposits | 144.6961% | 17 |
| Net loans and leases to core deposits | 154.4650% | 105 |
| Total domestic deposits to total assets | 57.3820% | 5,717 |
| Equity capital to assets | 9.3838% | 4,532 |
| Core capital (leverage) ratio | 9.4007% | 4,230 |
| Tier 1 risk-based capital ratio | 17.5236% | 2,003 |
| Total risk-based capital ratio | 18.7793% | 1,951 |
| Memoranda: | ||
| Average total assets | $650,203,000 | 1,125 |
| Average earning assets | $596,334,330 | 1,129 |
| Average equity | $61,656,000 | 1,289 |
| Average total loans | $555,543,670 | 928 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6961% | 4,130 |
| Cost of funding earning assets | 0.8182% | 440 |
| Net interest margin | 2.8779% | 5,125 |
| Noninterest income to average assets | 1.0352% | 941 |
| Noninterest expense to average assets | 2.6251% | 3,391 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0340% | 2,148 |
| Return on assets (ROA) | 1.0309% | 2,215 |
| Pretax return on assets | 1.0445% | 3,182 |
| Return on Equity (ROE) | 10.8146% | 1,635 |
| Retained earnings to average equity (ytd only) | -8.8448% | 5,555 |
| Net charge-offs to loans | 0.1655% | 981 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 7.3420% | 2,143 |
| Efficiency ratio | 71.4766% | 2,666 |
| Assets per employee ($millions) | 5.2832% | 2,092 |
| Cash dividends to net income (ytd only)* | 181.7855% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0816% | 3,817 |
| Loan loss allowance to noncurrent loans | 55.4410% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 2.6275% | 419 |
| Noncurrent loans to loans | 1.9510% | 922 |
| Net loans and leases to total assets | 83.5009% | 415 |
| Net loans and leases to deposits | 144.8328% | 13 |
| Net loans and leases to core deposits | 154.2321% | 94 |
| Total domestic deposits to total assets | 57.6533% | 5,788 |
| Equity capital to assets | 9.1813% | 4,635 |
| Core capital (leverage) ratio | 9.6638% | 3,910 |
| Tier 1 risk-based capital ratio | 16.9256% | 2,204 |
| Total risk-based capital ratio | 18.1806% | 2,160 |
| Memoranda: | ||
| Average total assets | $647,587,000 | 1,128 |
| Average earning assets | $593,483,000 | 1,137 |
| Average equity | $61,731,500 | 1,282 |
| Average total loans | $558,174,000 | 920 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6188% | 4,467 |
| Cost of funding earning assets | 0.7856% | 541 |
| Net interest margin | 2.8332% | 5,236 |
| Noninterest income to average assets | 1.1633% | 837 |
| Noninterest expense to average assets | 2.5665% | 3,786 |
| Loan and lease loss provision to assets | -0.2385% | 5,804 |
| Net operating income to assets | 1.4225% | 965 |
| Return on assets (ROA) | 1.6932% | 578 |
| Pretax return on assets | 1.7068% | 984 |
| Return on Equity (ROE) | 15.1988% | 605 |
| Retained earnings to average equity (ytd only) | -19.9950% | 5,858 |
| Net charge-offs to loans | -0.4339% | 5,821 |
| Credit loss provision to net charge-offs | 63.3208% | 3,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2344% | 3,200 |
| Assets per employee ($millions) | 4.8053% | 2,645 |
| Cash dividends to net income (ytd only)* | 231.5564% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1379% | 3,501 |
| Loan loss allowance to noncurrent loans | 51.4978% | 4,644 |
| Noncurrent assets plus other real estate owned to assets | 2.9995% | 339 |
| Noncurrent loans to loans | 2.2097% | 771 |
| Net loans and leases to total assets | 87.0719% | 178 |
| Net loans and leases to deposits | 143.0776% | 17 |
| Net loans and leases to core deposits | 152.6004% | 103 |
| Total domestic deposits to total assets | 60.8564% | 5,819 |
| Equity capital to assets | 9.9040% | 3,811 |
| Core capital (leverage) ratio | 9.6968% | 3,862 |
| Tier 1 risk-based capital ratio | 17.7666% | 1,917 |
| Total risk-based capital ratio | 19.0228% | 1,869 |
| Memoranda: | ||
| Average total assets | $634,824,400 | 1,114 |
| Average earning assets | $582,133,600 | 1,117 |
| Average equity | $70,722,600 | 1,117 |
| Average total loans | $551,052,600 | 901 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5405% | 4,707 |
| Cost of funding earning assets | 0.7896% | 535 |
| Net interest margin | 2.7508% | 5,432 |
| Noninterest income to average assets | 1.1066% | 926 |
| Noninterest expense to average assets | 2.6249% | 3,581 |
| Loan and lease loss provision to assets | -0.3173% | 5,914 |
| Net operating income to assets | 1.3109% | 1,259 |
| Return on assets (ROA) | 1.6170% | 747 |
| Pretax return on assets | 1.6337% | 1,289 |
| Return on Equity (ROE) | 14.1264% | 797 |
| Retained earnings to average equity (ytd only) | -31.4479% | 5,946 |
| Net charge-offs to loans | -0.5220% | 5,892 |
| Credit loss provision to net charge-offs | 70.2878% | 2,786 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2677% | 2,539 |
| Assets per employee ($millions) | 5.1417% | 2,202 |
| Cash dividends to net income (ytd only)* | 322.6183% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0383% | 4,192 |
| Loan loss allowance to noncurrent loans | 42.3431% | 4,916 |
| Noncurrent assets plus other real estate owned to assets | 2.8954% | 411 |
| Noncurrent loans to loans | 2.4522% | 723 |
| Net loans and leases to total assets | 85.9188% | 258 |
| Net loans and leases to deposits | 141.7469% | 17 |
| Net loans and leases to core deposits | 151.7359% | 115 |
| Total domestic deposits to total assets | 60.6142% | 5,884 |
| Equity capital to assets | 9.0041% | 5,174 |
| Core capital (leverage) ratio | 9.5249% | 4,144 |
| Tier 1 risk-based capital ratio | 16.0981% | 2,586 |
| Total risk-based capital ratio | 17.3527% | 2,533 |
| Memoranda: | ||
| Average total assets | $636,156,750 | 1,112 |
| Average earning assets | $584,051,250 | 1,112 |
| Average equity | $72,817,000 | 1,094 |
| Average total loans | $550,210,250 | 896 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5520% | 4,734 |
| Cost of funding earning assets | 0.8081% | 473 |
| Net interest margin | 2.7440% | 5,516 |
| Noninterest income to average assets | 0.9886% | 1,142 |
| Noninterest expense to average assets | 2.7357% | 3,250 |
| Loan and lease loss provision to assets | -0.4855% | 6,017 |
| Net operating income to assets | 1.2359% | 1,481 |
| Return on assets (ROA) | 1.6832% | 634 |
| Pretax return on assets | 1.7057% | 1,077 |
| Return on Equity (ROE) | 13.6562% | 894 |
| Retained earnings to average equity (ytd only) | -14.4732% | 5,930 |
| Net charge-offs to loans | -0.7180% | 5,972 |
| Credit loss provision to net charge-offs | 78.2834% | 2,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0727% | 1,778 |
| Assets per employee ($millions) | 4.9152% | 2,394 |
| Cash dividends to net income (ytd only)* | 205.9821% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0643% | 4,142 |
| Loan loss allowance to noncurrent loans | 38.9199% | 5,079 |
| Noncurrent assets plus other real estate owned to assets | 3.0873% | 388 |
| Noncurrent loans to loans | 2.7346% | 590 |
| Net loans and leases to total assets | 85.1358% | 317 |
| Net loans and leases to deposits | 130.4294% | 40 |
| Net loans and leases to core deposits | 139.9765% | 185 |
| Total domestic deposits to total assets | 65.2735% | 5,911 |
| Equity capital to assets | 11.3733% | 2,675 |
| Core capital (leverage) ratio | 11.5946% | 1,914 |
| Tier 1 risk-based capital ratio | 19.5306% | 1,555 |
| Total risk-based capital ratio | 20.7846% | 1,518 |
| Memoranda: | ||
| Average total assets | $623,689,670 | 1,138 |
| Average earning assets | $571,729,000 | 1,140 |
| Average equity | $76,873,330 | 1,037 |
| Average total loans | $538,685,330 | 907 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5189% | 4,846 |
| Cost of funding earning assets | 0.8131% | 455 |
| Net interest margin | 2.7057% | 5,613 |
| Noninterest income to average assets | 0.8188% | 1,562 |
| Noninterest expense to average assets | 2.7238% | 3,331 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5697% | 4,320 |
| Return on assets (ROA) | 1.4096% | 1,077 |
| Pretax return on assets | 1.4324% | 1,799 |
| Return on Equity (ROE) | 10.9960% | 1,601 |
| Retained earnings to average equity (ytd only) | 10.9960% | 655 |
| Net charge-offs to loans | -0.1276% | 5,727 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5625% | 1,313 |
| Assets per employee ($millions) | 4.7330% | 2,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0607% | 4,279 |
| Loan loss allowance to noncurrent loans | 35.2949% | 5,183 |
| Noncurrent assets plus other real estate owned to assets | 3.3324% | 357 |
| Noncurrent loans to loans | 3.0053% | 542 |
| Net loans and leases to total assets | 85.5826% | 247 |
| Net loans and leases to deposits | 124.5550% | 65 |
| Net loans and leases to core deposits | 133.5881% | 230 |
| Total domestic deposits to total assets | 68.7107% | 5,906 |
| Equity capital to assets | 13.0759% | 1,373 |
| Core capital (leverage) ratio | 12.9889% | 1,163 |
| Tier 1 risk-based capital ratio | 22.1084% | 1,148 |
| Total risk-based capital ratio | 23.3619% | 1,127 |
| Memoranda: | ||
| Average total assets | $616,048,000 | 1,144 |
| Average earning assets | $564,725,000 | 1,150 |
| Average equity | $78,974,500 | 1,002 |
| Average total loans | $533,104,500 | 915 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5604% | 4,776 |
| Cost of funding earning assets | 0.8014% | 487 |
| Net interest margin | 2.7591% | 5,583 |
| Noninterest income to average assets | 0.9720% | 1,253 |
| Noninterest expense to average assets | 2.8377% | 3,080 |
| Loan and lease loss provision to assets | -0.7523% | 6,160 |
| Net operating income to assets | 1.3869% | 1,061 |
| Return on assets (ROA) | 1.3879% | 1,101 |
| Pretax return on assets | 1.4120% | 1,848 |
| Return on Equity (ROE) | 11.3117% | 1,500 |
| Retained earnings to average equity (ytd only) | 11.3117% | 306 |
| Net charge-offs to loans | -0.6725% | 6,111 |
| Credit loss provision to net charge-offs | 135.6109% | 1,934 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1613% | 1,513 |
| Assets per employee ($millions) | 4.8182% | 2,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0095% | 4,548 |
| Loan loss allowance to noncurrent loans | 33.4875% | 5,258 |
| Noncurrent assets plus other real estate owned to assets | 3.6385% | 312 |
| Noncurrent loans to loans | 3.0146% | 529 |
| Net loans and leases to total assets | 85.6977% | 252 |
| Net loans and leases to deposits | 131.8592% | 38 |
| Net loans and leases to core deposits | 140.0581% | 163 |
| Total domestic deposits to total assets | 64.9918% | 6,029 |
| Equity capital to assets | 12.5678% | 1,586 |
| Core capital (leverage) ratio | 12.2785% | 1,466 |
| Tier 1 risk-based capital ratio | 21.6150% | 1,203 |
| Total risk-based capital ratio | 22.8683% | 1,182 |
| Memoranda: | ||
| Average total assets | $622,610,600 | 1,098 |
| Average earning assets | $569,649,400 | 1,093 |
| Average equity | $76,389,800 | 995 |
| Average total loans | $513,639,000 | 913 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5363% | 4,896 |
| Cost of funding earning assets | 0.7939% | 515 |
| Net interest margin | 2.7424% | 5,675 |
| Noninterest income to average assets | 0.8975% | 1,460 |
| Noninterest expense to average assets | 2.9826% | 2,583 |
| Loan and lease loss provision to assets | -0.4195% | 6,188 |
| Net operating income to assets | 0.8147% | 3,361 |
| Return on assets (ROA) | 0.8160% | 3,441 |
| Pretax return on assets | 0.8402% | 4,206 |
| Return on Equity (ROE) | 6.6912% | 3,788 |
| Retained earnings to average equity (ytd only) | 6.6912% | 1,841 |
| Net charge-offs to loans | -0.8430% | 6,197 |
| Credit loss provision to net charge-offs | 61.0782% | 2,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6738% | 878 |
| Assets per employee ($millions) | 4.9362% | 2,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4070% | 2,562 |
| Loan loss allowance to noncurrent loans | 39.8018% | 5,219 |
| Noncurrent assets plus other real estate owned to assets | 4.3587% | 257 |
| Noncurrent loans to loans | 3.5351% | 438 |
| Net loans and leases to total assets | 85.7262% | 246 |
| Net loans and leases to deposits | 135.1717% | 25 |
| Net loans and leases to core deposits | 143.5085% | 146 |
| Total domestic deposits to total assets | 63.4202% | 6,139 |
| Equity capital to assets | 12.0437% | 2,072 |
| Core capital (leverage) ratio | 12.7096% | 1,313 |
| Tier 1 risk-based capital ratio | 20.4666% | 1,441 |
| Total risk-based capital ratio | 21.7271% | 1,404 |
| Memoranda: | ||
| Average total assets | $622,877,500 | 1,103 |
| Average earning assets | $568,828,000 | 1,105 |
| Average equity | $75,958,750 | 1,009 |
| Average total loans | $507,528,750 | 923 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6268% | 4,650 |
| Cost of funding earning assets | 0.8048% | 485 |
| Net interest margin | 2.8220% | 5,568 |
| Noninterest income to average assets | 0.8846% | 1,491 |
| Noninterest expense to average assets | 3.0636% | 2,355 |
| Loan and lease loss provision to assets | -0.6374% | 6,294 |
| Net operating income to assets | 1.0056% | 2,364 |
| Return on assets (ROA) | 1.0076% | 2,458 |
| Pretax return on assets | 1.0319% | 3,449 |
| Return on Equity (ROE) | 8.2264% | 2,927 |
| Retained earnings to average equity (ytd only) | 8.2264% | 1,177 |
| Net charge-offs to loans | -1.1274% | 6,276 |
| Credit loss provision to net charge-offs | 71.0660% | 2,449 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6421% | 865 |
| Assets per employee ($millions) | 4.6420% | 2,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4472% | 2,523 |
| Loan loss allowance to noncurrent loans | 32.9258% | 5,437 |
| Noncurrent assets plus other real estate owned to assets | 4.8065% | 244 |
| Noncurrent loans to loans | 4.3954% | 319 |
| Net loans and leases to total assets | 82.2843% | 527 |
| Net loans and leases to deposits | 116.9028% | 138 |
| Net loans and leases to core deposits | 124.2954% | 370 |
| Total domestic deposits to total assets | 70.3869% | 6,022 |
| Equity capital to assets | 12.4845% | 1,669 |
| Core capital (leverage) ratio | 12.2913% | 1,491 |
| Tier 1 risk-based capital ratio | 22.1585% | 1,182 |
| Total risk-based capital ratio | 23.4199% | 1,164 |
| Memoranda: | ||
| Average total assets | $614,957,000 | 1,121 |
| Average earning assets | $560,379,330 | 1,121 |
| Average equity | $75,318,670 | 1,024 |
| Average total loans | $489,288,330 | 959 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4100% | 5,179 |
| Cost of funding earning assets | 0.7997% | 498 |
| Net interest margin | 2.6103% | 5,910 |
| Noninterest income to average assets | 0.7945% | 1,731 |
| Noninterest expense to average assets | 2.8149% | 3,200 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3314% | 5,305 |
| Return on assets (ROA) | 0.3350% | 5,408 |
| Pretax return on assets | 0.3598% | 5,515 |
| Return on Equity (ROE) | 2.7620% | 5,452 |
| Retained earnings to average equity (ytd only) | 2.7620% | 4,294 |
| Net charge-offs to loans | -0.4124% | 6,209 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7770% | 956 |
| Assets per employee ($millions) | 4.5606% | 2,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4644% | 2,595 |
| Loan loss allowance to noncurrent loans | 33.5995% | 5,458 |
| Noncurrent assets plus other real estate owned to assets | 4.9993% | 244 |
| Noncurrent loans to loans | 4.3583% | 366 |
| Net loans and leases to total assets | 77.6005% | 981 |
| Net loans and leases to deposits | 110.8520% | 210 |
| Net loans and leases to core deposits | 117.8746% | 458 |
| Total domestic deposits to total assets | 70.0037% | 6,127 |
| Equity capital to assets | 12.0646% | 1,988 |
| Core capital (leverage) ratio | 11.9157% | 1,692 |
| Tier 1 risk-based capital ratio | 21.9148% | 1,257 |
| Total risk-based capital ratio | 23.1755% | 1,232 |
| Memoranda: | ||
| Average total assets | $613,741,000 | 1,127 |
| Average earning assets | $558,709,500 | 1,132 |
| Average equity | $74,439,000 | 1,033 |
| Average total loans | $476,195,500 | 976 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6500% | 4,931 |
| Cost of funding earning assets | 0.6286% | 1,553 |
| Net interest margin | 3.0214% | 5,402 |
| Noninterest income to average assets | 1.0958% | 1,011 |
| Noninterest expense to average assets | 3.5375% | 1,406 |
| Loan and lease loss provision to assets | -0.1010% | 6,150 |
| Net operating income to assets | 0.3189% | 5,470 |
| Return on assets (ROA) | 0.3255% | 5,522 |
| Pretax return on assets | 0.3833% | 5,525 |
| Return on Equity (ROE) | 2.5940% | 5,604 |
| Retained earnings to average equity (ytd only) | 2.5940% | 4,397 |
| Net charge-offs to loans | 0.1702% | 2,328 |
| Credit loss provision to net charge-offs | -82.9545% | 5,487 |
| Earnings coverage of net charge-offs (x) | 2.2543% | 4,212 |
| Efficiency ratio | 92.7988% | 660 |
| Assets per employee ($millions) | 4.4003% | 3,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4360% | 2,769 |
| Loan loss allowance to noncurrent loans | 27.1354% | 5,721 |
| Noncurrent assets plus other real estate owned to assets | 5.6871% | 215 |
| Noncurrent loans to loans | 5.2920% | 259 |
| Net loans and leases to total assets | 75.3022% | 1,363 |
| Net loans and leases to deposits | 109.7470% | 244 |
| Net loans and leases to core deposits | 116.8189% | 502 |
| Total domestic deposits to total assets | 68.6143% | 6,247 |
| Equity capital to assets | 12.1943% | 1,865 |
| Core capital (leverage) ratio | 11.9693% | 1,642 |
| Tier 1 risk-based capital ratio | 22.6171% | 1,132 |
| Total risk-based capital ratio | 23.8773% | 1,116 |
| Memoranda: | ||
| Average total assets | $578,114,400 | 1,142 |
| Average earning assets | $519,726,800 | 1,177 |
| Average equity | $72,551,000 | 1,009 |
| Average total loans | $413,553,800 | 1,066 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7330% | 4,763 |
| Cost of funding earning assets | 0.6200% | 1,671 |
| Net interest margin | 3.1129% | 5,217 |
| Noninterest income to average assets | 1.1723% | 869 |
| Noninterest expense to average assets | 3.6442% | 1,216 |
| Loan and lease loss provision to assets | -0.1364% | 6,334 |
| Net operating income to assets | 0.4543% | 5,061 |
| Return on assets (ROA) | 0.4620% | 5,103 |
| Pretax return on assets | 0.4620% | 5,427 |
| Return on Equity (ROE) | 3.6539% | 5,306 |
| Retained earnings to average equity (ytd only) | 3.6539% | 4,049 |
| Net charge-offs to loans | 0.1589% | 2,216 |
| Credit loss provision to net charge-offs | -122.1757% | 5,480 |
| Earnings coverage of net charge-offs (x) | 2.8473% | 3,809 |
| Efficiency ratio | 91.9767% | 713 |
| Assets per employee ($millions) | 4.2877% | 3,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6068% | 2,283 |
| Loan loss allowance to noncurrent loans | 27.1320% | 5,801 |
| Noncurrent assets plus other real estate owned to assets | 6.1471% | 220 |
| Noncurrent loans to loans | 5.9222% | 240 |
| Net loans and leases to total assets | 72.8676% | 1,701 |
| Net loans and leases to deposits | 101.6849% | 514 |
| Net loans and leases to core deposits | 107.8896% | 861 |
| Total domestic deposits to total assets | 71.6602% | 6,190 |
| Equity capital to assets | 12.6840% | 1,590 |
| Core capital (leverage) ratio | 12.6090% | 1,345 |
| Tier 1 risk-based capital ratio | 24.0493% | 982 |
| Total risk-based capital ratio | 25.3117% | 966 |
| Memoranda: | ||
| Average total assets | $570,834,000 | 1,166 |
| Average earning assets | $511,572,750 | 1,204 |
| Average equity | $72,176,750 | 1,012 |
| Average total loans | $400,961,250 | 1,097 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7373% | 4,743 |
| Cost of funding earning assets | 0.6029% | 1,876 |
| Net interest margin | 3.1344% | 5,143 |
| Noninterest income to average assets | 1.1571% | 871 |
| Noninterest expense to average assets | 3.6767% | 1,178 |
| Loan and lease loss provision to assets | -0.2059% | 6,482 |
| Net operating income to assets | 0.4882% | 4,855 |
| Return on assets (ROA) | 0.4999% | 4,892 |
| Pretax return on assets | 0.4999% | 5,275 |
| Return on Equity (ROE) | 3.9575% | 5,165 |
| Retained earnings to average equity (ytd only) | 3.9575% | 3,662 |
| Net charge-offs to loans | -0.3242% | 6,450 |
| Credit loss provision to net charge-offs | 92.1260% | 2,144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8692% | 706 |
| Assets per employee ($millions) | 4.2867% | 3,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9139% | 1,550 |
| Loan loss allowance to noncurrent loans | 30.0526% | 5,781 |
| Noncurrent assets plus other real estate owned to assets | 6.2896% | 226 |
| Noncurrent loans to loans | 6.3683% | 226 |
| Net loans and leases to total assets | 70.3277% | 2,029 |
| Net loans and leases to deposits | 97.8703% | 679 |
| Net loans and leases to core deposits | 103.8203% | 1,034 |
| Total domestic deposits to total assets | 71.8581% | 6,261 |
| Equity capital to assets | 12.5878% | 1,592 |
| Core capital (leverage) ratio | 12.4346% | 1,428 |
| Tier 1 risk-based capital ratio | 23.6054% | 1,030 |
| Total risk-based capital ratio | 24.8724% | 1,010 |
| Memoranda: | ||
| Average total assets | $568,165,330 | 1,166 |
| Average earning assets | $507,913,330 | 1,209 |
| Average equity | $71,762,330 | 1,012 |
| Average total loans | $391,723,330 | 1,119 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7781% | 4,572 |
| Cost of funding earning assets | 0.5782% | 2,168 |
| Net interest margin | 3.1998% | 4,919 |
| Noninterest income to average assets | 1.3582% | 628 |
| Noninterest expense to average assets | 3.7485% | 1,057 |
| Loan and lease loss provision to assets | -0.4166% | 6,646 |
| Net operating income to assets | 0.8724% | 2,778 |
| Return on assets (ROA) | 0.8724% | 2,851 |
| Pretax return on assets | 0.8724% | 3,820 |
| Return on Equity (ROE) | 6.8949% | 3,529 |
| Retained earnings to average equity (ytd only) | 6.8949% | 2,090 |
| Net charge-offs to loans | 0.0486% | 2,703 |
| Credit loss provision to net charge-offs | -1,269.5652% | 5,392 |
| Earnings coverage of net charge-offs (x) | 13.8913% | 1,642 |
| Efficiency ratio | 89.1585% | 1,112 |
| Assets per employee ($millions) | 3.8254% | 4,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9520% | 1,622 |
| Loan loss allowance to noncurrent loans | 21.8078% | 6,047 |
| Noncurrent assets plus other real estate owned to assets | 7.9281% | 169 |
| Noncurrent loans to loans | 8.9508% | 132 |
| Net loans and leases to total assets | 65.3859% | 2,654 |
| Net loans and leases to deposits | 88.4005% | 1,316 |
| Net loans and leases to core deposits | 93.6954% | 1,575 |
| Total domestic deposits to total assets | 73.9656% | 6,244 |
| Equity capital to assets | 12.7912% | 1,404 |
| Core capital (leverage) ratio | 12.8282% | 1,233 |
| Tier 1 risk-based capital ratio | 24.9598% | 894 |
| Total risk-based capital ratio | 26.2256% | 878 |
| Memoranda: | ||
| Average total assets | $560,752,000 | 1,193 |
| Average earning assets | $498,774,500 | 1,242 |
| Average equity | $70,950,500 | 1,021 |
| Average total loans | $378,582,500 | 1,167 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8648% | 4,592 |
| Cost of funding earning assets | 0.6336% | 2,347 |
| Net interest margin | 3.2313% | 4,891 |
| Noninterest income to average assets | 3.2061% | 209 |
| Noninterest expense to average assets | 4.9708% | 356 |
| Loan and lease loss provision to assets | 0.3835% | 793 |
| Net operating income to assets | 0.6020% | 4,249 |
| Return on assets (ROA) | 0.6210% | 4,277 |
| Pretax return on assets | 0.6210% | 4,802 |
| Return on Equity (ROE) | 4.4125% | 4,933 |
| Retained earnings to average equity (ytd only) | 4.4125% | 3,038 |
| Net charge-offs to loans | 0.8164% | 762 |
| Credit loss provision to net charge-offs | 74.6685% | 3,181 |
| Earnings coverage of net charge-offs (x) | 1.9187% | 4,413 |
| Efficiency ratio | 83.4547% | 1,694 |
| Assets per employee ($millions) | 3.6788% | 4,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0803% | 1,370 |
| Loan loss allowance to noncurrent loans | 26.2099% | 6,047 |
| Noncurrent assets plus other real estate owned to assets | 6.9662% | 244 |
| Noncurrent loans to loans | 7.9370% | 196 |
| Net loans and leases to total assets | 66.9220% | 2,537 |
| Net loans and leases to deposits | 88.1867% | 1,438 |
| Net loans and leases to core deposits | 93.2485% | 1,656 |
| Total domestic deposits to total assets | 75.8867% | 6,108 |
| Equity capital to assets | 12.5135% | 1,502 |
| Core capital (leverage) ratio | 12.6656% | 1,275 |
| Tier 1 risk-based capital ratio | 25.3513% | 826 |
| Total risk-based capital ratio | 26.6201% | 811 |
| Memoranda: | ||
| Average total assets | $557,996,200 | 1,184 |
| Average earning assets | $474,921,600 | 1,283 |
| Average equity | $78,527,800 | 909 |
| Average total loans | $351,054,000 | 1,217 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9223% | 4,417 |
| Cost of funding earning assets | 0.6466% | 2,386 |
| Net interest margin | 3.2757% | 4,728 |
| Noninterest income to average assets | 3.9502% | 178 |
| Noninterest expense to average assets | 5.0394% | 328 |
| Loan and lease loss provision to assets | 0.5056% | 536 |
| Net operating income to assets | 1.1664% | 1,753 |
| Return on assets (ROA) | 1.1746% | 1,794 |
| Pretax return on assets | 1.1746% | 2,801 |
| Return on Equity (ROE) | 8.1204% | 3,063 |
| Retained earnings to average equity (ytd only) | 8.1204% | 1,361 |
| Net charge-offs to loans | 0.8914% | 652 |
| Credit loss provision to net charge-offs | 92.1569% | 2,581 |
| Earnings coverage of net charge-offs (x) | 3.0475% | 3,824 |
| Efficiency ratio | 75.0864% | 2,889 |
| Assets per employee ($millions) | 3.3067% | 5,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4334% | 1,008 |
| Loan loss allowance to noncurrent loans | 31.1574% | 5,942 |
| Noncurrent assets plus other real estate owned to assets | 6.4559% | 337 |
| Noncurrent loans to loans | 7.8100% | 229 |
| Net loans and leases to total assets | 61.3198% | 3,473 |
| Net loans and leases to deposits | 78.5344% | 2,581 |
| Net loans and leases to core deposits | 82.6376% | 2,816 |
| Total domestic deposits to total assets | 78.0802% | 5,887 |
| Equity capital to assets | 13.0847% | 1,299 |
| Core capital (leverage) ratio | 13.0387% | 1,189 |
| Tier 1 risk-based capital ratio | 26.4010% | 754 |
| Total risk-based capital ratio | 27.6726% | 737 |
| Memoranda: | ||
| Average total assets | $557,702,250 | 1,200 |
| Average earning assets | $470,119,750 | 1,301 |
| Average equity | $80,666,750 | 897 |
| Average total loans | $343,277,750 | 1,244 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8996% | 4,476 |
| Cost of funding earning assets | 0.6376% | 2,608 |
| Net interest margin | 3.2619% | 4,723 |
| Noninterest income to average assets | 3.6782% | 200 |
| Noninterest expense to average assets | 5.1362% | 321 |
| Loan and lease loss provision to assets | 0.5684% | 454 |
| Net operating income to assets | 0.6816% | 3,896 |
| Return on assets (ROA) | 0.6937% | 4,005 |
| Pretax return on assets | 0.6937% | 4,698 |
| Return on Equity (ROE) | 4.6492% | 4,924 |
| Retained earnings to average equity (ytd only) | 4.6492% | 3,295 |
| Net charge-offs to loans | 0.8924% | 701 |
| Credit loss provision to net charge-offs | 104.2022% | 2,115 |
| Earnings coverage of net charge-offs (x) | 2.2915% | 3,760 |
| Efficiency ratio | 80.4273% | 2,098 |
| Assets per employee ($millions) | 2.6970% | 6,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4412% | 1,049 |
| Loan loss allowance to noncurrent loans | 25.1496% | 6,183 |
| Noncurrent assets plus other real estate owned to assets | 9.4499% | 167 |
| Noncurrent loans to loans | 9.7068% | 170 |
| Net loans and leases to total assets | 60.5155% | 3,575 |
| Net loans and leases to deposits | 80.0176% | 2,314 |
| Net loans and leases to core deposits | 84.1481% | 2,542 |
| Total domestic deposits to total assets | 75.6277% | 6,289 |
| Equity capital to assets | 14.3774% | 850 |
| Core capital (leverage) ratio | 14.3608% | 733 |
| Tier 1 risk-based capital ratio | 25.4125% | 834 |
| Total risk-based capital ratio | 26.6790% | 810 |
| Memoranda: | ||
| Average total assets | $558,428,000 | 1,197 |
| Average earning assets | $463,591,330 | 1,317 |
| Average equity | $83,326,000 | 860 |
| Average total loans | $341,322,670 | 1,244 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7139% | 5,115 |
| Cost of funding earning assets | 0.6369% | 2,769 |
| Net interest margin | 3.0770% | 5,340 |
| Noninterest income to average assets | 2.2081% | 379 |
| Noninterest expense to average assets | 5.4836% | 271 |
| Loan and lease loss provision to assets | 0.2943% | 1,190 |
| Net operating income to assets | -1.0287% | 6,816 |
| Return on assets (ROA) | -1.0287% | 6,826 |
| Pretax return on assets | -1.0287% | 6,808 |
| Return on Equity (ROE) | -6.7642% | 6,738 |
| Retained earnings to average equity (ytd only) | -6.7642% | 6,460 |
| Net charge-offs to loans | 0.6859% | 896 |
| Credit loss provision to net charge-offs | 70.7531% | 2,281 |
| Earnings coverage of net charge-offs (x) | -1.7653% | 4,009 |
| Efficiency ratio | 115.4625% | 254 |
| Assets per employee ($millions) | 2.4042% | 6,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4715% | 1,148 |
| Loan loss allowance to noncurrent loans | 18.5232% | 6,374 |
| Noncurrent assets plus other real estate owned to assets | 12.0136% | 129 |
| Noncurrent loans to loans | 13.3427% | 109 |
| Net loans and leases to total assets | 61.5261% | 3,164 |
| Net loans and leases to deposits | 77.6228% | 2,395 |
| Net loans and leases to core deposits | 80.9144% | 2,705 |
| Total domestic deposits to total assets | 79.2629% | 5,915 |
| Equity capital to assets | 15.1266% | 728 |
| Core capital (leverage) ratio | 14.6520% | 643 |
| Tier 1 risk-based capital ratio | 24.3571% | 974 |
| Total risk-based capital ratio | 25.6240% | 956 |
| Memoranda: | ||
| Average total assets | $549,058,000 | 1,232 |
| Average earning assets | $453,433,500 | 1,357 |
| Average equity | $83,498,000 | 868 |
| Average total loans | $332,976,000 | 1,279 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0472% | 5,157 |
| Cost of funding earning assets | 0.9668% | 1,545 |
| Net interest margin | 3.0804% | 5,860 |
| Noninterest income to average assets | 3.1897% | 233 |
| Noninterest expense to average assets | 4.5147% | 568 |
| Loan and lease loss provision to assets | 0.9625% | 444 |
| Net operating income to assets | 0.2953% | 5,486 |
| Return on assets (ROA) | 0.4626% | 5,080 |
| Pretax return on assets | 0.4626% | 5,388 |
| Return on Equity (ROE) | 3.4083% | 5,387 |
| Retained earnings to average equity (ytd only) | 3.4083% | 3,826 |
| Net charge-offs to loans | 2.3966% | 268 |
| Credit loss provision to net charge-offs | 70.5766% | 4,140 |
| Earnings coverage of net charge-offs (x) | 0.9223% | 5,009 |
| Efficiency ratio | 78.2107% | 2,415 |
| Assets per employee ($millions) | 2.4227% | 6,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6972% | 922 |
| Loan loss allowance to noncurrent loans | 22.1174% | 6,338 |
| Noncurrent assets plus other real estate owned to assets | 10.6762% | 192 |
| Noncurrent loans to loans | 12.1949% | 147 |
| Net loans and leases to total assets | 56.6633% | 4,171 |
| Net loans and leases to deposits | 70.8392% | 3,586 |
| Net loans and leases to core deposits | 73.5800% | 3,835 |
| Total domestic deposits to total assets | 79.9886% | 5,667 |
| Equity capital to assets | 15.2874% | 681 |
| Core capital (leverage) ratio | 14.7455% | 616 |
| Tier 1 risk-based capital ratio | 25.2999% | 817 |
| Total risk-based capital ratio | 26.5678% | 807 |
| Memoranda: | ||
| Average total assets | $629,520,400 | 1,051 |
| Average earning assets | $527,821,800 | 1,140 |
| Average equity | $85,437,600 | 821 |
| Average total loans | $358,218,600 | 1,165 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0856% | 5,242 |
| Cost of funding earning assets | 0.8591% | 2,466 |
| Net interest margin | 3.2265% | 5,627 |
| Noninterest income to average assets | 3.3683% | 218 |
| Noninterest expense to average assets | 4.2136% | 709 |
| Loan and lease loss provision to assets | 0.7895% | 604 |
| Net operating income to assets | 1.0803% | 2,167 |
| Return on assets (ROA) | 1.3006% | 1,586 |
| Pretax return on assets | 1.3006% | 2,609 |
| Return on Equity (ROE) | 9.8481% | 2,417 |
| Retained earnings to average equity (ytd only) | 9.8481% | 952 |
| Net charge-offs to loans | 2.0666% | 337 |
| Credit loss provision to net charge-offs | 67.4745% | 3,965 |
| Earnings coverage of net charge-offs (x) | 1.5980% | 4,486 |
| Efficiency ratio | 69.2633% | 3,823 |
| Assets per employee ($millions) | 2.6378% | 6,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7066% | 975 |
| Loan loss allowance to noncurrent loans | 22.0868% | 6,443 |
| Noncurrent assets plus other real estate owned to assets | 9.9749% | 244 |
| Noncurrent loans to loans | 12.2546% | 161 |
| Net loans and leases to total assets | 55.6389% | 4,503 |
| Net loans and leases to deposits | 75.0787% | 3,129 |
| Net loans and leases to core deposits | 78.0956% | 3,447 |
| Total domestic deposits to total assets | 74.1073% | 6,595 |
| Equity capital to assets | 14.6856% | 913 |
| Core capital (leverage) ratio | 14.0652% | 813 |
| Tier 1 risk-based capital ratio | 23.7705% | 1,055 |
| Total risk-based capital ratio | 25.0376% | 1,031 |
| Memoranda: | ||
| Average total assets | $648,808,000 | 1,023 |
| Average earning assets | $545,972,250 | 1,122 |
| Average equity | $85,686,250 | 815 |
| Average total loans | $367,356,500 | 1,149 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1571% | 5,099 |
| Cost of funding earning assets | 0.8705% | 2,658 |
| Net interest margin | 3.2867% | 5,485 |
| Noninterest income to average assets | 3.8652% | 190 |
| Noninterest expense to average assets | 4.1846% | 743 |
| Loan and lease loss provision to assets | 0.6421% | 895 |
| Net operating income to assets | 1.8191% | 543 |
| Return on assets (ROA) | 2.0042% | 447 |
| Pretax return on assets | 2.0042% | 694 |
| Return on Equity (ROE) | 15.7089% | 817 |
| Retained earnings to average equity (ytd only) | 15.7089% | 242 |
| Net charge-offs to loans | 1.8070% | 490 |
| Credit loss provision to net charge-offs | 62.9542% | 3,727 |
| Earnings coverage of net charge-offs (x) | 2.4130% | 3,791 |
| Efficiency ratio | 62.9653% | 5,086 |
| Assets per employee ($millions) | 2.5896% | 6,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7949% | 952 |
| Loan loss allowance to noncurrent loans | 31.8428% | 6,068 |
| Noncurrent assets plus other real estate owned to assets | 8.4497% | 390 |
| Noncurrent loans to loans | 8.7773% | 361 |
| Net loans and leases to total assets | 57.3403% | 4,275 |
| Net loans and leases to deposits | 76.6762% | 2,888 |
| Net loans and leases to core deposits | 79.7501% | 3,254 |
| Total domestic deposits to total assets | 74.7824% | 6,604 |
| Equity capital to assets | 14.7254% | 852 |
| Core capital (leverage) ratio | 14.1308% | 772 |
| Tier 1 risk-based capital ratio | 23.8854% | 1,028 |
| Total risk-based capital ratio | 25.1546% | 1,007 |
| Memoranda: | ||
| Average total assets | $663,721,670 | 992 |
| Average earning assets | $561,541,330 | 1,083 |
| Average equity | $84,678,000 | 819 |
| Average total loans | $374,660,000 | 1,128 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0804% | 5,527 |
| Cost of funding earning assets | 0.8581% | 3,006 |
| Net interest margin | 3.2223% | 5,727 |
| Noninterest income to average assets | 2.0608% | 388 |
| Noninterest expense to average assets | 3.9522% | 992 |
| Loan and lease loss provision to assets | 0.8653% | 523 |
| Net operating income to assets | -0.0161% | 6,443 |
| Return on assets (ROA) | 0.2652% | 5,930 |
| Pretax return on assets | 0.2652% | 6,048 |
| Return on Equity (ROE) | 2.2278% | 5,998 |
| Retained earnings to average equity (ytd only) | 2.2278% | 5,147 |
| Net charge-offs to loans | 2.0790% | 442 |
| Credit loss provision to net charge-offs | 75.2004% | 2,816 |
| Earnings coverage of net charge-offs (x) | 0.7380% | 3,964 |
| Efficiency ratio | 82.3148% | 1,896 |
| Assets per employee ($millions) | 2.7746% | 6,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7974% | 1,010 |
| Loan loss allowance to noncurrent loans | 32.1561% | 6,056 |
| Noncurrent assets plus other real estate owned to assets | 7.8620% | 494 |
| Noncurrent loans to loans | 8.6995% | 408 |
| Net loans and leases to total assets | 52.7912% | 4,909 |
| Net loans and leases to deposits | 64.6948% | 4,537 |
| Net loans and leases to core deposits | 67.0146% | 4,796 |
| Total domestic deposits to total assets | 81.6004% | 5,428 |
| Equity capital to assets | 11.7245% | 2,245 |
| Core capital (leverage) ratio | 11.2019% | 2,109 |
| Tier 1 risk-based capital ratio | 20.1584% | 1,669 |
| Total risk-based capital ratio | 21.4268% | 1,638 |
| Memoranda: | ||
| Average total assets | $693,892,500 | 952 |
| Average earning assets | $590,140,000 | 1,024 |
| Average equity | $82,592,000 | 836 |
| Average total loans | $384,026,000 | 1,106 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3921% | 5,454 |
| Cost of funding earning assets | 1.2321% | 1,828 |
| Net interest margin | 3.1600% | 6,191 |
| Noninterest income to average assets | 4.2922% | 143 |
| Noninterest expense to average assets | 5.0726% | 367 |
| Loan and lease loss provision to assets | 1.2376% | 693 |
| Net operating income to assets | 0.7386% | 3,299 |
| Return on assets (ROA) | 0.8729% | 2,864 |
| Pretax return on assets | 0.8729% | 3,699 |
| Return on Equity (ROE) | 10.1258% | 2,021 |
| Retained earnings to average equity (ytd only) | 10.1258% | 532 |
| Net charge-offs to loans | 3.4994% | 220 |
| Credit loss provision to net charge-offs | 59.7211% | 5,178 |
| Earnings coverage of net charge-offs (x) | 0.9536% | 5,086 |
| Efficiency ratio | 71.9641% | 3,584 |
| Assets per employee ($millions) | 2.6170% | 6,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9073% | 887 |
| Loan loss allowance to noncurrent loans | 37.9562% | 5,730 |
| Noncurrent assets plus other real estate owned to assets | 7.9520% | 511 |
| Noncurrent loans to loans | 7.6597% | 540 |
| Net loans and leases to total assets | 54.7697% | 4,915 |
| Net loans and leases to deposits | 67.6266% | 4,494 |
| Net loans and leases to core deposits | 68.0020% | 5,026 |
| Total domestic deposits to total assets | 80.9885% | 5,449 |
| Equity capital to assets | 12.0866% | 2,053 |
| Core capital (leverage) ratio | 11.4989% | 1,892 |
| Tier 1 risk-based capital ratio | 20.2415% | 1,585 |
| Total risk-based capital ratio | 21.5120% | 1,556 |
| Memoranda: | ||
| Average total assets | $865,200,000 | 754 |
| Average earning assets | $754,748,400 | 785 |
| Average equity | $74,581,600 | 905 |
| Average total loans | $512,375,400 | 813 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5186% | 5,205 |
| Cost of funding earning assets | 1.2947% | 1,732 |
| Net interest margin | 3.2239% | 6,098 |
| Noninterest income to average assets | 5.0573% | 123 |
| Noninterest expense to average assets | 4.7970% | 440 |
| Loan and lease loss provision to assets | 1.1410% | 709 |
| Net operating income to assets | 1.9430% | 387 |
| Return on assets (ROA) | 2.1131% | 308 |
| Pretax return on assets | 2.1131% | 503 |
| Return on Equity (ROE) | 26.5125% | 103 |
| Retained earnings to average equity (ytd only) | 26.5125% | 32 |
| Net charge-offs to loans | 3.7668% | 186 |
| Credit loss provision to net charge-offs | 50.6993% | 5,023 |
| Earnings coverage of net charge-offs (x) | 1.3703% | 4,593 |
| Efficiency ratio | 60.8679% | 5,581 |
| Assets per employee ($millions) | 2.5545% | 6,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5913% | 1,275 |
| Loan loss allowance to noncurrent loans | 34.0265% | 6,017 |
| Noncurrent assets plus other real estate owned to assets | 8.0438% | 546 |
| Noncurrent loans to loans | 7.6156% | 611 |
| Net loans and leases to total assets | 56.2383% | 4,807 |
| Net loans and leases to deposits | 73.0104% | 3,808 |
| Net loans and leases to core deposits | 73.4365% | 4,539 |
| Total domestic deposits to total assets | 77.0277% | 6,377 |
| Equity capital to assets | 12.4491% | 1,951 |
| Core capital (leverage) ratio | 11.9392% | 1,738 |
| Tier 1 risk-based capital ratio | 20.5817% | 1,538 |
| Total risk-based capital ratio | 21.8484% | 1,509 |
| Memoranda: | ||
| Average total assets | $910,738,750 | 723 |
| Average earning assets | $797,689,750 | 747 |
| Average equity | $72,587,750 | 936 |
| Average total loans | $544,143,250 | 782 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3898% | 5,731 |
| Cost of funding earning assets | 1.2761% | 2,084 |
| Net interest margin | 3.1137% | 6,379 |
| Noninterest income to average assets | 1.3864% | 663 |
| Noninterest expense to average assets | 4.4790% | 607 |
| Loan and lease loss provision to assets | 1.2534% | 607 |
| Net operating income to assets | -1.6051% | 7,127 |
| Return on assets (ROA) | -1.4973% | 7,109 |
| Pretax return on assets | -1.4973% | 7,071 |
| Return on Equity (ROE) | -21.7758% | 7,167 |
| Retained earnings to average equity (ytd only) | -21.7758% | 7,154 |
| Net charge-offs to loans | 2.7353% | 405 |
| Credit loss provision to net charge-offs | 76.0697% | 3,883 |
| Earnings coverage of net charge-offs (x) | -0.2134% | 5,414 |
| Efficiency ratio | 108.5208% | 506 |
| Assets per employee ($millions) | 2.5486% | 6,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9915% | 906 |
| Loan loss allowance to noncurrent loans | 50.7667% | 4,978 |
| Noncurrent assets plus other real estate owned to assets | 6.2263% | 884 |
| Noncurrent loans to loans | 5.8926% | 1,028 |
| Net loans and leases to total assets | 55.6457% | 5,045 |
| Net loans and leases to deposits | 65.0180% | 5,147 |
| Net loans and leases to core deposits | 65.2976% | 5,583 |
| Total domestic deposits to total assets | 85.5851% | 3,571 |
| Equity capital to assets | 6.8661% | 7,133 |
| Core capital (leverage) ratio | 6.6426% | 7,090 |
| Tier 1 risk-based capital ratio | 11.8790% | 5,878 |
| Total risk-based capital ratio | 13.1515% | 5,837 |
| Memoranda: | ||
| Average total assets | $975,894,670 | 686 |
| Average earning assets | $859,041,670 | 699 |
| Average equity | $67,102,000 | 1,005 |
| Average total loans | $587,872,000 | 726 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3878% | 5,737 |
| Cost of funding earning assets | 1.4012% | 1,603 |
| Net interest margin | 2.9866% | 6,600 |
| Noninterest income to average assets | 1.1790% | 924 |
| Noninterest expense to average assets | 4.3134% | 715 |
| Loan and lease loss provision to assets | 2.0967% | 257 |
| Net operating income to assets | -2.6024% | 7,351 |
| Return on assets (ROA) | -2.6003% | 7,352 |
| Pretax return on assets | -2.6003% | 7,336 |
| Return on Equity (ROE) | -37.7916% | 7,368 |
| Retained earnings to average equity (ytd only) | -37.7916% | 7,348 |
| Net charge-offs to loans | 3.7000% | 265 |
| Credit loss provision to net charge-offs | 91.9510% | 2,905 |
| Earnings coverage of net charge-offs (x) | -0.2217% | 4,705 |
| Efficiency ratio | 113.2794% | 439 |
| Assets per employee ($millions) | 2.4888% | 7,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0637% | 860 |
| Loan loss allowance to noncurrent loans | 44.1358% | 5,355 |
| Noncurrent assets plus other real estate owned to assets | 7.1261% | 741 |
| Noncurrent loans to loans | 6.9416% | 805 |
| Net loans and leases to total assets | 57.8108% | 4,673 |
| Net loans and leases to deposits | 67.9523% | 4,685 |
| Net loans and leases to core deposits | 68.2382% | 5,265 |
| Total domestic deposits to total assets | 85.0755% | 3,998 |
| Equity capital to assets | 6.6149% | 7,181 |
| Core capital (leverage) ratio | 6.5683% | 7,154 |
| Tier 1 risk-based capital ratio | 11.0774% | 6,452 |
| Total risk-based capital ratio | 12.3500% | 6,409 |
| Memoranda: | ||
| Average total assets | $987,259,000 | 682 |
| Average earning assets | $868,961,000 | 700 |
| Average equity | $67,930,500 | 991 |
| Average total loans | $608,432,000 | 711 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4704% | 6,466 |
| Cost of funding earning assets | 1.5867% | 2,149 |
| Net interest margin | 2.8837% | 6,919 |
| Noninterest income to average assets | 1.4577% | 681 |
| Noninterest expense to average assets | 4.6629% | 565 |
| Loan and lease loss provision to assets | 1.5386% | 955 |
| Net operating income to assets | -2.1998% | 7,114 |
| Return on assets (ROA) | -1.8176% | 7,022 |
| Pretax return on assets | -1.8176% | 6,968 |
| Return on Equity (ROE) | -23.8939% | 7,108 |
| Retained earnings to average equity (ytd only) | -23.8939% | 7,088 |
| Net charge-offs to loans | 1.7239% | 1,255 |
| Credit loss provision to net charge-offs | 136.0832% | 2,835 |
| Earnings coverage of net charge-offs (x) | -0.5848% | 6,495 |
| Efficiency ratio | 116.5234% | 443 |
| Assets per employee ($millions) | 2.6356% | 6,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8753% | 979 |
| Loan loss allowance to noncurrent loans | 37.2990% | 5,817 |
| Noncurrent assets plus other real estate owned to assets | 7.9610% | 622 |
| Noncurrent loans to loans | 7.7089% | 687 |
| Net loans and leases to total assets | 61.7446% | 4,334 |
| Net loans and leases to deposits | 75.9779% | 3,843 |
| Net loans and leases to core deposits | 76.5389% | 4,634 |
| Total domestic deposits to total assets | 81.2665% | 5,431 |
| Equity capital to assets | 7.1403% | 7,068 |
| Core capital (leverage) ratio | 7.0606% | 6,996 |
| Tier 1 risk-based capital ratio | 11.3587% | 6,029 |
| Total risk-based capital ratio | 12.6295% | 6,004 |
| Memoranda: | ||
| Average total assets | $1,075,306,200 | 623 |
| Average earning assets | $948,593,600 | 637 |
| Average equity | $81,799,200 | 805 |
| Average total loans | $705,278,000 | 621 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5027% | 6,601 |
| Cost of funding earning assets | 1.6245% | 2,252 |
| Net interest margin | 2.8782% | 7,040 |
| Noninterest income to average assets | 1.4521% | 642 |
| Noninterest expense to average assets | 4.8051% | 445 |
| Loan and lease loss provision to assets | 1.7183% | 735 |
| Net operating income to assets | -2.5312% | 7,357 |
| Return on assets (ROA) | -2.0305% | 7,267 |
| Pretax return on assets | -2.0305% | 7,210 |
| Return on Equity (ROE) | -26.3239% | 7,333 |
| Retained earnings to average equity (ytd only) | -26.3239% | 7,326 |
| Net charge-offs to loans | 1.4343% | 1,419 |
| Credit loss provision to net charge-offs | 181.3786% | 2,012 |
| Earnings coverage of net charge-offs (x) | -0.8582% | 6,426 |
| Efficiency ratio | 120.3638% | 391 |
| Assets per employee ($millions) | 2.4611% | 7,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0498% | 787 |
| Loan loss allowance to noncurrent loans | 40.7850% | 5,573 |
| Noncurrent assets plus other real estate owned to assets | 8.1304% | 610 |
| Noncurrent loans to loans | 7.4777% | 721 |
| Net loans and leases to total assets | 65.0660% | 3,897 |
| Net loans and leases to deposits | 81.0395% | 3,259 |
| Net loans and leases to core deposits | 81.7552% | 4,276 |
| Total domestic deposits to total assets | 80.2893% | 5,612 |
| Equity capital to assets | 7.7715% | 6,954 |
| Core capital (leverage) ratio | 7.4058% | 6,934 |
| Tier 1 risk-based capital ratio | 11.3324% | 6,070 |
| Total risk-based capital ratio | 12.6057% | 6,037 |
| Memoranda: | ||
| Average total assets | $1,094,410,000 | 605 |
| Average earning assets | $965,850,250 | 621 |
| Average equity | $84,418,000 | 783 |
| Average total loans | $722,842,500 | 605 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4622% | 6,779 |
| Cost of funding earning assets | 1.6863% | 2,187 |
| Net interest margin | 2.7759% | 7,179 |
| Noninterest income to average assets | 1.6313% | 486 |
| Noninterest expense to average assets | 4.4645% | 599 |
| Loan and lease loss provision to assets | 2.5950% | 428 |
| Net operating income to assets | -2.9740% | 7,507 |
| Return on assets (ROA) | -2.4943% | 7,427 |
| Pretax return on assets | -2.4943% | 7,366 |
| Return on Equity (ROE) | -32.4078% | 7,459 |
| Retained earnings to average equity (ytd only) | -32.4078% | 7,448 |
| Net charge-offs to loans | 1.5373% | 1,245 |
| Credit loss provision to net charge-offs | 256.7852% | 1,483 |
| Earnings coverage of net charge-offs (x) | -0.3751% | 5,967 |
| Efficiency ratio | 109.2775% | 561 |
| Assets per employee ($millions) | 2.3639% | 7,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2210% | 687 |
| Loan loss allowance to noncurrent loans | 52.4739% | 4,802 |
| Noncurrent assets plus other real estate owned to assets | 7.3349% | 700 |
| Noncurrent loans to loans | 6.1382% | 1,029 |
| Net loans and leases to total assets | 67.4642% | 3,504 |
| Net loans and leases to deposits | 83.5267% | 2,970 |
| Net loans and leases to core deposits | 84.7157% | 4,036 |
| Total domestic deposits to total assets | 80.7696% | 5,485 |
| Equity capital to assets | 7.7944% | 6,936 |
| Core capital (leverage) ratio | 7.4329% | 6,890 |
| Tier 1 risk-based capital ratio | 11.1642% | 6,080 |
| Total risk-based capital ratio | 12.4406% | 6,040 |
| Memoranda: | ||
| Average total assets | $1,130,243,330 | 582 |
| Average earning assets | $999,227,330 | 598 |
| Average equity | $86,991,330 | 753 |
| Average total loans | $743,009,000 | 588 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3220% | 7,101 |
| Cost of funding earning assets | 1.7838% | 1,943 |
| Net interest margin | 2.5382% | 7,441 |
| Noninterest income to average assets | 1.4917% | 539 |
| Noninterest expense to average assets | 4.1822% | 828 |
| Loan and lease loss provision to assets | 1.3060% | 923 |
| Net operating income to assets | -1.7474% | 7,400 |
| Return on assets (ROA) | -1.1685% | 7,219 |
| Pretax return on assets | -1.1685% | 7,130 |
| Return on Equity (ROE) | -15.2652% | 7,321 |
| Retained earnings to average equity (ytd only) | -15.2652% | 7,220 |
| Net charge-offs to loans | 1.2281% | 1,386 |
| Credit loss provision to net charge-offs | 166.0668% | 2,197 |
| Earnings coverage of net charge-offs (x) | -0.5613% | 5,304 |
| Efficiency ratio | 111.7997% | 564 |
| Assets per employee ($millions) | 2.4547% | 7,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1353% | 1,876 |
| Loan loss allowance to noncurrent loans | 37.3422% | 5,881 |
| Noncurrent assets plus other real estate owned to assets | 6.6285% | 846 |
| Noncurrent loans to loans | 5.7182% | 1,186 |
| Net loans and leases to total assets | 64.0802% | 4,307 |
| Net loans and leases to deposits | 78.6857% | 3,907 |
| Net loans and leases to core deposits | 79.8132% | 4,785 |
| Total domestic deposits to total assets | 81.4382% | 5,295 |
| Equity capital to assets | 8.0448% | 6,605 |
| Core capital (leverage) ratio | 7.8114% | 6,484 |
| Tier 1 risk-based capital ratio | 11.8239% | 5,373 |
| Total risk-based capital ratio | 13.0888% | 5,305 |
| Memoranda: | ||
| Average total assets | $1,187,131,500 | 576 |
| Average earning assets | $1,051,912,000 | 584 |
| Average equity | $90,873,500 | 723 |
| Average total loans | $760,226,500 | 596 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7674% | 7,011 |
| Cost of funding earning assets | 2.4086% | 1,275 |
| Net interest margin | 2.3588% | 7,533 |
| Noninterest income to average assets | 1.4164% | 729 |
| Noninterest expense to average assets | 4.5168% | 786 |
| Loan and lease loss provision to assets | 2.0374% | 1,052 |
| Net operating income to assets | -2.9925% | 7,384 |
| Return on assets (ROA) | -1.8258% | 7,016 |
| Pretax return on assets | -1.8258% | 6,869 |
| Return on Equity (ROE) | -24.0322% | 7,264 |
| Retained earnings to average equity (ytd only) | -24.0322% | 7,237 |
| Net charge-offs to loans | 2.4453% | 938 |
| Credit loss provision to net charge-offs | 129.5380% | 3,956 |
| Earnings coverage of net charge-offs (x) | -0.6073% | 6,759 |
| Efficiency ratio | 126.8167% | 503 |
| Assets per employee ($millions) | 2.7715% | 6,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7777% | 2,618 |
| Loan loss allowance to noncurrent loans | 34.1527% | 6,162 |
| Noncurrent assets plus other real estate owned to assets | 6.1973% | 901 |
| Noncurrent loans to loans | 5.2052% | 1,271 |
| Net loans and leases to total assets | 61.6755% | 5,063 |
| Net loans and leases to deposits | 74.5339% | 4,947 |
| Net loans and leases to core deposits | 85.0620% | 5,612 |
| Total domestic deposits to total assets | 82.7483% | 4,640 |
| Equity capital to assets | 7.3171% | 7,187 |
| Core capital (leverage) ratio | 7.0856% | 7,164 |
| Tier 1 risk-based capital ratio | 11.2175% | 5,695 |
| Total risk-based capital ratio | 12.4675% | 5,652 |
| Memoranda: | ||
| Average total assets | $1,439,605,600 | 473 |
| Average earning assets | $1,309,283,400 | 472 |
| Average equity | $109,374,000 | 597 |
| Average total loans | $925,940,000 | 515 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8133% | 7,095 |
| Cost of funding earning assets | 2.5198% | 1,237 |
| Net interest margin | 2.2935% | 7,650 |
| Noninterest income to average assets | 1.1683% | 1,152 |
| Noninterest expense to average assets | 4.3134% | 900 |
| Loan and lease loss provision to assets | 2.2729% | 752 |
| Net operating income to assets | -3.3258% | 7,656 |
| Return on assets (ROA) | -1.9945% | 7,317 |
| Pretax return on assets | -1.9945% | 7,180 |
| Return on Equity (ROE) | -26.0460% | 7,529 |
| Retained earnings to average equity (ytd only) | -26.0460% | 7,510 |
| Net charge-offs to loans | 2.6050% | 700 |
| Credit loss provision to net charge-offs | 134.9669% | 3,680 |
| Earnings coverage of net charge-offs (x) | -0.6252% | 6,533 |
| Efficiency ratio | 132.2918% | 450 |
| Assets per employee ($millions) | 2.7512% | 6,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4816% | 3,537 |
| Loan loss allowance to noncurrent loans | 29.0491% | 6,532 |
| Noncurrent assets plus other real estate owned to assets | 5.4710% | 1,047 |
| Noncurrent loans to loans | 5.1004% | 1,271 |
| Net loans and leases to total assets | 62.2544% | 5,195 |
| Net loans and leases to deposits | 74.3562% | 5,315 |
| Net loans and leases to core deposits | 87.7112% | 5,670 |
| Total domestic deposits to total assets | 83.7246% | 3,849 |
| Equity capital to assets | 7.2430% | 7,459 |
| Core capital (leverage) ratio | 6.6911% | 7,589 |
| Tier 1 risk-based capital ratio | 10.8876% | 6,066 |
| Total risk-based capital ratio | 12.1376% | 6,027 |
| Memoranda: | ||
| Average total assets | $1,481,483,000 | 476 |
| Average earning assets | $1,351,433,250 | 473 |
| Average equity | $113,447,500 | 587 |
| Average total loans | $957,732,000 | 515 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9670% | 6,882 |
| Cost of funding earning assets | 2.5817% | 1,340 |
| Net interest margin | 2.3853% | 7,585 |
| Noninterest income to average assets | 1.2205% | 1,041 |
| Noninterest expense to average assets | 4.3331% | 911 |
| Loan and lease loss provision to assets | 2.3703% | 668 |
| Net operating income to assets | -3.3059% | 7,728 |
| Return on assets (ROA) | -1.6838% | 7,314 |
| Pretax return on assets | -1.6838% | 7,164 |
| Return on Equity (ROE) | -21.6255% | 7,550 |
| Retained earnings to average equity (ytd only) | -21.6255% | 7,504 |
| Net charge-offs to loans | 2.8128% | 582 |
| Credit loss provision to net charge-offs | 129.4475% | 3,592 |
| Earnings coverage of net charge-offs (x) | -0.5110% | 6,081 |
| Efficiency ratio | 127.5384% | 543 |
| Assets per employee ($millions) | 2.8464% | 6,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1704% | 5,144 |
| Loan loss allowance to noncurrent loans | 18.4231% | 7,214 |
| Noncurrent assets plus other real estate owned to assets | 5.7174% | 866 |
| Noncurrent loans to loans | 6.3528% | 845 |
| Net loans and leases to total assets | 62.4144% | 5,282 |
| Net loans and leases to deposits | 74.1689% | 5,426 |
| Net loans and leases to core deposits | 90.0007% | 5,535 |
| Total domestic deposits to total assets | 84.1518% | 3,675 |
| Equity capital to assets | 7.2423% | 7,454 |
| Core capital (leverage) ratio | 6.9995% | 7,543 |
| Tier 1 risk-based capital ratio | 11.4850% | 5,395 |
| Total risk-based capital ratio | 12.7010% | 5,358 |
| Memoranda: | ||
| Average total assets | $1,508,519,000 | 478 |
| Average earning assets | $1,376,758,000 | 477 |
| Average equity | $117,453,670 | 579 |
| Average total loans | $982,007,330 | 513 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9923% | 6,947 |
| Cost of funding earning assets | 2.6327% | 1,475 |
| Net interest margin | 2.3596% | 7,663 |
| Noninterest income to average assets | 0.7294% | 2,711 |
| Noninterest expense to average assets | 4.5627% | 669 |
| Loan and lease loss provision to assets | 1.3403% | 953 |
| Net operating income to assets | -3.0145% | 7,849 |
| Return on assets (ROA) | -1.6424% | 7,557 |
| Pretax return on assets | -1.6424% | 7,419 |
| Return on Equity (ROE) | -20.4057% | 7,761 |
| Retained earnings to average equity (ytd only) | -20.4057% | 7,656 |
| Net charge-offs to loans | 1.3178% | 1,064 |
| Credit loss provision to net charge-offs | 154.0223% | 2,711 |
| Earnings coverage of net charge-offs (x) | -1.9238% | 5,466 |
| Efficiency ratio | 157.9559% | 318 |
| Assets per employee ($millions) | 2.8095% | 6,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9013% | 6,745 |
| Loan loss allowance to noncurrent loans | 15.9828% | 7,359 |
| Noncurrent assets plus other real estate owned to assets | 4.8756% | 946 |
| Noncurrent loans to loans | 5.6393% | 888 |
| Net loans and leases to total assets | 61.9254% | 5,346 |
| Net loans and leases to deposits | 74.1721% | 5,460 |
| Net loans and leases to core deposits | 90.6590% | 5,491 |
| Total domestic deposits to total assets | 83.4887% | 3,921 |
| Equity capital to assets | 7.9846% | 6,836 |
| Core capital (leverage) ratio | 7.1880% | 7,489 |
| Tier 1 risk-based capital ratio | 11.8754% | 5,058 |
| Total risk-based capital ratio | 12.8140% | 5,244 |
| Memoranda: | ||
| Average total assets | $1,525,573,000 | 477 |
| Average earning assets | $1,395,999,000 | 472 |
| Average equity | $122,789,500 | 559 |
| Average total loans | $1,007,439,500 | 508 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6467% | 6,939 |
| Cost of funding earning assets | 2.9111% | 2,219 |
| Net interest margin | 2.7356% | 7,438 |
| Noninterest income to average assets | 0.7371% | 2,860 |
| Noninterest expense to average assets | 3.4595% | 2,497 |
| Loan and lease loss provision to assets | 1.1177% | 1,296 |
| Net operating income to assets | -1.3005% | 7,389 |
| Return on assets (ROA) | -1.1419% | 7,257 |
| Pretax return on assets | -1.1410% | 7,086 |
| Return on Equity (ROE) | -13.5457% | 7,521 |
| Retained earnings to average equity (ytd only) | -15.0405% | 7,462 |
| Net charge-offs to loans | 1.4650% | 794 |
| Credit loss provision to net charge-offs | 109.0257% | 4,938 |
| Earnings coverage of net charge-offs (x) | -0.1775% | 6,361 |
| Efficiency ratio | 105.5520% | 818 |
| Assets per employee ($millions) | 2.7046% | 6,775 |
| Cash dividends to net income (ytd only)* | -11.0348% | 7,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6100% | 7,661 |
| Loan loss allowance to noncurrent loans | 13.0777% | 7,449 |
| Noncurrent assets plus other real estate owned to assets | 3.9710% | 1,043 |
| Noncurrent loans to loans | 4.6643% | 1,007 |
| Net loans and leases to total assets | 69.1866% | 4,209 |
| Net loans and leases to deposits | 82.9244% | 4,583 |
| Net loans and leases to core deposits | 102.4642% | 4,559 |
| Total domestic deposits to total assets | 83.4333% | 3,597 |
| Equity capital to assets | 8.1134% | 6,679 |
| Core capital (leverage) ratio | 7.6509% | 7,002 |
| Tier 1 risk-based capital ratio | 12.5343% | 4,417 |
| Total risk-based capital ratio | 13.2334% | 4,726 |
| Memoranda: | ||
| Average total assets | $1,618,965,200 | 434 |
| Average earning assets | $1,503,482,400 | 423 |
| Average equity | $136,478,400 | 517 |
| Average total loans | $1,132,910,400 | 453 |