Home > Lincoln 1st Bank > Performance and Condition Ratios
Lincoln 1st Bank, Performance and Condition Ratios
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9025% | 3,770 |
| Cost of funding earning assets | 1.0070% | 34 |
| Net interest margin | 1.8955% | 4,601 |
| Noninterest income to average assets | 0.2111% | 3,936 |
| Noninterest expense to average assets | 4.3703% | 227 |
| Loan and lease loss provision to assets | -0.3333% | 4,731 |
| Net operating income to assets | -2.0599% | 4,735 |
| Return on assets (ROA) | -2.0599% | 4,732 |
| Pretax return on assets | -2.0538% | 4,729 |
| Return on Equity (ROE) | -36.4145% | 4,762 |
| Retained earnings to average equity (ytd only) | -36.4145% | 4,754 |
| Net charge-offs to loans | -0.1424% | 4,524 |
| Credit loss provision to net charge-offs | 368.9076% | 725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 220.3675% | 19 |
| Assets per employee ($millions) | 10.5695% | 560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3257% | 2,069 |
| Loan loss allowance to noncurrent loans | 1,403.2895% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.0575% | 3,405 |
| Noncurrent loans to loans | 0.0945% | 3,297 |
| Net loans and leases to total assets | 60.0837% | 2,317 |
| Net loans and leases to deposits | 86.1958% | 957 |
| Net loans and leases to core deposits | 109.7573% | 355 |
| Total domestic deposits to total assets | 69.7061% | 4,621 |
| Equity capital to assets | 4.3124% | 4,585 |
| Core capital (leverage) ratio | 5.9378% | 4,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5843% | 2,653 |
| Memoranda: | ||
| Average total assets | $263,412,667 | 2,686 |
| Average earning assets | $246,270,000 | 2,691 |
| Average equity | $14,900,667 | 3,503 |
| Average total loans | $167,080,667 | 2,490 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9619% | 3,365 |
| Cost of funding earning assets | 1.0220% | 35 |
| Net interest margin | 1.9399% | 4,556 |
| Noninterest income to average assets | 0.2129% | 3,884 |
| Noninterest expense to average assets | 2.9460% | 889 |
| Loan and lease loss provision to assets | -0.5156% | 4,761 |
| Net operating income to assets | -0.4122% | 4,692 |
| Return on assets (ROA) | -0.4122% | 4,678 |
| Pretax return on assets | -0.4015% | 4,665 |
| Return on Equity (ROE) | -6.5091% | 4,720 |
| Retained earnings to average equity (ytd only) | -6.5091% | 4,476 |
| Net charge-offs to loans | -0.2797% | 4,647 |
| Credit loss provision to net charge-offs | 284.8739% | 686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 145.2024% | 46 |
| Assets per employee ($millions) | 8.5338% | 1,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3533% | 2,103 |
| Loan loss allowance to noncurrent loans | 239.3355% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 0.3527% | 1,695 |
| Noncurrent loans to loans | 0.5655% | 1,626 |
| Net loans and leases to total assets | 61.5255% | 1,912 |
| Net loans and leases to deposits | 89.3464% | 546 |
| Net loans and leases to core deposits | 123.2909% | 132 |
| Total domestic deposits to total assets | 68.8617% | 4,667 |
| Equity capital to assets | 5.8148% | 4,614 |
| Core capital (leverage) ratio | 6.8147% | 4,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5448% | 1,972 |
| Memoranda: | ||
| Average total assets | $263,000,000 | 2,702 |
| Average earning assets | $246,192,500 | 2,702 |
| Average equity | $16,653,500 | 3,425 |
| Average total loans | $170,172,500 | 2,458 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9503% | 3,964 |
| Cost of funding earning assets | 1.1245% | 39 |
| Net interest margin | 1.8258% | 4,660 |
| Noninterest income to average assets | 0.3599% | 3,280 |
| Noninterest expense to average assets | 2.4859% | 2,223 |
| Loan and lease loss provision to assets | -0.0665% | 4,427 |
| Net operating income to assets | -0.3143% | 4,737 |
| Return on assets (ROA) | -0.2525% | 4,735 |
| Pretax return on assets | -0.2742% | 4,738 |
| Return on Equity (ROE) | -3.8839% | 4,763 |
| Retained earnings to average equity (ytd only) | -3.8839% | 4,681 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.6230% | 67 |
| Assets per employee ($millions) | 7.9228% | 1,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3989% | 1,923 |
| Loan loss allowance to noncurrent loans | 101.2381% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 0.9268% | 618 |
| Noncurrent loans to loans | 1.3818% | 677 |
| Net loans and leases to total assets | 66.1286% | 1,456 |
| Net loans and leases to deposits | 97.8422% | 254 |
| Net loans and leases to core deposits | 127.1121% | 116 |
| Total domestic deposits to total assets | 67.5870% | 4,714 |
| Equity capital to assets | 6.8556% | 4,742 |
| Core capital (leverage) ratio | 6.8944% | 4,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2146% | 2,153 |
| Memoranda: | ||
| Average total assets | $285,927,600 | 2,503 |
| Average earning assets | $269,092,600 | 2,496 |
| Average equity | $18,589,400 | 3,339 |
| Average total loans | $178,912,600 | 2,394 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9108% | 4,153 |
| Cost of funding earning assets | 1.1336% | 48 |
| Net interest margin | 1.7772% | 4,753 |
| Noninterest income to average assets | 0.4186% | 2,989 |
| Noninterest expense to average assets | 2.4041% | 2,426 |
| Loan and lease loss provision to assets | -0.0853% | 4,568 |
| Net operating income to assets | -0.3424% | 4,813 |
| Return on assets (ROA) | -0.2547% | 4,811 |
| Pretax return on assets | -0.1383% | 4,787 |
| Return on Equity (ROE) | -3.9667% | 4,832 |
| Retained earnings to average equity (ytd only) | -3.9667% | 4,765 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.8778% | 88 |
| Assets per employee ($millions) | 7.3356% | 1,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3710% | 2,140 |
| Loan loss allowance to noncurrent loans | 108.5285% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 0.8338% | 842 |
| Noncurrent loans to loans | 1.2633% | 872 |
| Net loans and leases to total assets | 65.0968% | 1,644 |
| Net loans and leases to deposits | 94.7128% | 389 |
| Net loans and leases to core deposits | 125.4646% | 144 |
| Total domestic deposits to total assets | 68.7307% | 4,766 |
| Equity capital to assets | 6.5700% | 4,863 |
| Core capital (leverage) ratio | 6.8033% | 4,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8500% | 2,414 |
| Memoranda: | ||
| Average total assets | $292,046,750 | 2,489 |
| Average earning assets | $275,108,250 | 2,481 |
| Average equity | $18,755,750 | 3,365 |
| Average total loans | $179,804,000 | 2,422 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8395% | 4,296 |
| Cost of funding earning assets | 1.1494% | 57 |
| Net interest margin | 1.6901% | 4,810 |
| Noninterest income to average assets | 0.5535% | 2,392 |
| Noninterest expense to average assets | 2.3085% | 2,747 |
| Loan and lease loss provision to assets | -0.0472% | 4,511 |
| Net operating income to assets | -0.1058% | 4,806 |
| Return on assets (ROA) | 0.0220% | 4,772 |
| Pretax return on assets | 0.0047% | 4,778 |
| Return on Equity (ROE) | 0.3178% | 4,766 |
| Retained earnings to average equity (ytd only) | 0.3178% | 4,461 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.9652% | 107 |
| Assets per employee ($millions) | 6.9414% | 1,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4506% | 1,765 |
| Loan loss allowance to noncurrent loans | 89.1545% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 1.0141% | 736 |
| Noncurrent loans to loans | 1.6271% | 671 |
| Net loans and leases to total assets | 61.4189% | 2,245 |
| Net loans and leases to deposits | 88.7966% | 732 |
| Net loans and leases to core deposits | 117.1318% | 251 |
| Total domestic deposits to total assets | 69.1681% | 4,774 |
| Equity capital to assets | 7.2355% | 4,797 |
| Core capital (leverage) ratio | 6.8697% | 4,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4843% | 2,170 |
| Memoranda: | ||
| Average total assets | $300,630,000 | 2,455 |
| Average earning assets | $281,884,667 | 2,440 |
| Average equity | $20,765,000 | 3,181 |
| Average total loans | $180,025,667 | 2,435 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8594% | 4,305 |
| Cost of funding earning assets | 1.1490% | 70 |
| Net interest margin | 1.7104% | 4,834 |
| Noninterest income to average assets | 0.9279% | 1,258 |
| Noninterest expense to average assets | 2.3392% | 2,678 |
| Loan and lease loss provision to assets | -0.1128% | 4,732 |
| Net operating income to assets | 0.2224% | 4,617 |
| Return on assets (ROA) | 0.3279% | 4,516 |
| Pretax return on assets | 0.4419% | 4,432 |
| Return on Equity (ROE) | 4.8534% | 4,119 |
| Retained earnings to average equity (ytd only) | 4.8534% | 3,271 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2802% | 321 |
| Assets per employee ($millions) | 7.7657% | 1,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4336% | 1,830 |
| Loan loss allowance to noncurrent loans | 63.4806% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 1.3300% | 520 |
| Noncurrent loans to loans | 2.2583% | 441 |
| Net loans and leases to total assets | 58.0478% | 2,794 |
| Net loans and leases to deposits | 81.5854% | 1,365 |
| Net loans and leases to core deposits | 113.6674% | 332 |
| Total domestic deposits to total assets | 71.1498% | 4,741 |
| Equity capital to assets | 6.7057% | 4,889 |
| Core capital (leverage) ratio | 6.8068% | 4,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2400% | 2,188 |
| Memoranda: | ||
| Average total assets | $308,646,000 | 2,397 |
| Average earning assets | $289,989,500 | 2,382 |
| Average equity | $20,851,500 | 3,167 |
| Average total loans | $181,353,500 | 2,431 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4547% | 4,107 |
| Cost of funding earning assets | 1.4648% | 95 |
| Net interest margin | 1.9898% | 4,828 |
| Noninterest income to average assets | 0.0995% | 4,745 |
| Noninterest expense to average assets | 2.2837% | 3,450 |
| Loan and lease loss provision to assets | 0.3618% | 929 |
| Net operating income to assets | -0.3282% | 4,844 |
| Return on assets (ROA) | -0.1466% | 4,817 |
| Pretax return on assets | -0.4470% | 4,868 |
| Return on Equity (ROE) | -2.1010% | 4,850 |
| Retained earnings to average equity (ytd only) | -2.1010% | 4,712 |
| Net charge-offs to loans | 0.3597% | 484 |
| Credit loss provision to net charge-offs | 155.4469% | 2,389 |
| Earnings coverage of net charge-offs (x) | -1.3534% | 3,355 |
| Efficiency ratio | 116.0007% | 91 |
| Assets per employee ($millions) | 8.2744% | 944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4343% | 1,835 |
| Loan loss allowance to noncurrent loans | 67.0555% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 1.2540% | 660 |
| Noncurrent loans to loans | 2.1389% | 509 |
| Net loans and leases to total assets | 57.7875% | 3,107 |
| Net loans and leases to deposits | 80.1493% | 1,849 |
| Net loans and leases to core deposits | 110.6348% | 490 |
| Total domestic deposits to total assets | 72.0998% | 4,707 |
| Equity capital to assets | 6.8041% | 4,933 |
| Core capital (leverage) ratio | 6.5770% | 4,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8836% | 2,285 |
| Memoranda: | ||
| Average total assets | $307,608,800 | 2,261 |
| Average earning assets | $288,972,800 | 2,230 |
| Average equity | $21,465,600 | 3,057 |
| Average total loans | $199,045,200 | 2,241 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5536% | 4,121 |
| Cost of funding earning assets | 1.5319% | 106 |
| Net interest margin | 2.0217% | 4,882 |
| Noninterest income to average assets | 0.0863% | 4,804 |
| Noninterest expense to average assets | 2.3013% | 3,415 |
| Loan and lease loss provision to assets | 0.4567% | 696 |
| Net operating income to assets | -0.3507% | 4,872 |
| Return on assets (ROA) | -0.1072% | 4,826 |
| Pretax return on assets | -0.4655% | 4,891 |
| Return on Equity (ROE) | -1.5267% | 4,851 |
| Retained earnings to average equity (ytd only) | -1.5267% | 4,665 |
| Net charge-offs to loans | 0.2309% | 665 |
| Credit loss provision to net charge-offs | 298.5755% | 1,766 |
| Earnings coverage of net charge-offs (x) | -2.0712% | 3,169 |
| Efficiency ratio | 115.9675% | 89 |
| Assets per employee ($millions) | 9.1488% | 667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5082% | 1,360 |
| Loan loss allowance to noncurrent loans | 56.0442% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 1.6888% | 468 |
| Noncurrent loans to loans | 2.6911% | 377 |
| Net loans and leases to total assets | 61.8071% | 3,031 |
| Net loans and leases to deposits | 86.2239% | 1,671 |
| Net loans and leases to core deposits | 125.1748% | 319 |
| Total domestic deposits to total assets | 71.6821% | 4,690 |
| Equity capital to assets | 6.9273% | 4,962 |
| Core capital (leverage) ratio | 6.8476% | 4,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6124% | 2,358 |
| Memoranda: | ||
| Average total assets | $305,904,000 | 2,244 |
| Average earning assets | $287,213,500 | 2,230 |
| Average equity | $21,483,500 | 3,048 |
| Average total loans | $202,720,500 | 2,209 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6991% | 4,092 |
| Cost of funding earning assets | 1.6233% | 100 |
| Net interest margin | 2.0758% | 4,926 |
| Noninterest income to average assets | 0.0579% | 4,892 |
| Noninterest expense to average assets | 2.4327% | 3,164 |
| Loan and lease loss provision to assets | 0.7956% | 311 |
| Net operating income to assets | -0.5726% | 4,924 |
| Return on assets (ROA) | -0.2781% | 4,872 |
| Pretax return on assets | -0.8488% | 4,936 |
| Return on Equity (ROE) | -3.9419% | 4,915 |
| Retained earnings to average equity (ytd only) | -3.9419% | 4,724 |
| Net charge-offs to loans | 0.6149% | 258 |
| Credit loss provision to net charge-offs | 191.7591% | 1,953 |
| Earnings coverage of net charge-offs (x) | -1.0269% | 2,954 |
| Efficiency ratio | 121.2320% | 87 |
| Assets per employee ($millions) | 8.4112% | 839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3716% | 1,683 |
| Loan loss allowance to noncurrent loans | 60.3419% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 1.5897% | 566 |
| Noncurrent loans to loans | 2.2730% | 544 |
| Net loans and leases to total assets | 68.9785% | 2,189 |
| Net loans and leases to deposits | 98.4038% | 630 |
| Net loans and leases to core deposits | 125.6360% | 316 |
| Total domestic deposits to total assets | 70.0975% | 4,781 |
| Equity capital to assets | 7.3466% | 4,914 |
| Core capital (leverage) ratio | 6.7267% | 5,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2079% | 2,521 |
| Memoranda: | ||
| Average total assets | $304,186,000 | 2,228 |
| Average earning assets | $285,582,333 | 2,216 |
| Average equity | $21,462,000 | 3,034 |
| Average total loans | $205,227,333 | 2,178 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7390% | 4,321 |
| Cost of funding earning assets | 1.6968% | 132 |
| Net interest margin | 2.0422% | 5,003 |
| Noninterest income to average assets | 0.0556% | 4,961 |
| Noninterest expense to average assets | 2.4861% | 3,318 |
| Loan and lease loss provision to assets | 1.4378% | 111 |
| Net operating income to assets | -0.7765% | 4,966 |
| Return on assets (ROA) | -0.7765% | 4,948 |
| Pretax return on assets | -1.9477% | 5,024 |
| Return on Equity (ROE) | -11.2260% | 5,006 |
| Retained earnings to average equity (ytd only) | -11.2260% | 4,802 |
| Net charge-offs to loans | 1.2397% | 124 |
| Credit loss provision to net charge-offs | 174.9606% | 1,490 |
| Earnings coverage of net charge-offs (x) | -0.6205% | 2,494 |
| Efficiency ratio | 125.8022% | 88 |
| Assets per employee ($millions) | 7.2204% | 993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3188% | 2,055 |
| Loan loss allowance to noncurrent loans | 61.7514% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 1.4198% | 780 |
| Noncurrent loans to loans | 2.1357% | 632 |
| Net loans and leases to total assets | 65.5994% | 2,860 |
| Net loans and leases to deposits | 92.1947% | 1,262 |
| Net loans and leases to core deposits | 116.7959% | 561 |
| Total domestic deposits to total assets | 71.1531% | 4,809 |
| Equity capital to assets | 6.9909% | 5,070 |
| Core capital (leverage) ratio | 6.6349% | 5,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9913% | 2,703 |
| Memoranda: | ||
| Average total assets | $309,082,500 | 2,152 |
| Average earning assets | $290,669,000 | 2,129 |
| Average equity | $21,379,000 | 3,041 |
| Average total loans | $204,895,000 | 2,149 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7832% | 4,586 |
| Cost of funding earning assets | 1.8573% | 114 |
| Net interest margin | 1.9259% | 5,102 |
| Noninterest income to average assets | -0.0169% | 5,145 |
| Noninterest expense to average assets | 2.4005% | 3,692 |
| Loan and lease loss provision to assets | 0.0779% | 2,439 |
| Net operating income to assets | -0.4526% | 5,047 |
| Return on assets (ROA) | -0.4149% | 5,052 |
| Pretax return on assets | -0.6224% | 5,065 |
| Return on Equity (ROE) | -6.0852% | 5,087 |
| Retained earnings to average equity (ytd only) | -6.0852% | 5,006 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.7489% | 60 |
| Assets per employee ($millions) | 6.8482% | 1,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5334% | 4,845 |
| Loan loss allowance to noncurrent loans | 149.6552% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.2353% | 3,504 |
| Noncurrent loans to loans | 0.3564% | 3,170 |
| Net loans and leases to total assets | 65.6497% | 2,993 |
| Net loans and leases to deposits | 95.3483% | 1,014 |
| Net loans and leases to core deposits | 118.5746% | 515 |
| Total domestic deposits to total assets | 68.8525% | 4,973 |
| Equity capital to assets | 7.1032% | 5,133 |
| Core capital (leverage) ratio | 6.9978% | 5,143 |
| Tier 1 risk-based capital ratio | 12.6407% | 3,984 |
| Total risk-based capital ratio | 13.2661% | 4,226 |
| Memoranda: | ||
| Average total assets | $324,887,600 | 2,008 |
| Average earning assets | $307,912,600 | 1,980 |
| Average equity | $22,152,000 | 2,947 |
| Average total loans | $195,179,200 | 2,197 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7908% | 4,688 |
| Cost of funding earning assets | 1.8766% | 108 |
| Net interest margin | 1.9142% | 5,192 |
| Noninterest income to average assets | -0.0673% | 5,232 |
| Noninterest expense to average assets | 2.3103% | 3,926 |
| Loan and lease loss provision to assets | 0.0693% | 2,491 |
| Net operating income to assets | -0.4273% | 5,130 |
| Return on assets (ROA) | -0.3777% | 5,134 |
| Pretax return on assets | -0.5686% | 5,144 |
| Return on Equity (ROE) | -5.5931% | 5,161 |
| Retained earnings to average equity (ytd only) | -5.5931% | 5,075 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.1511% | 62 |
| Assets per employee ($millions) | 6.6689% | 1,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5146% | 4,950 |
| Loan loss allowance to noncurrent loans | 148.8131% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.2197% | 3,698 |
| Noncurrent loans to loans | 0.3458% | 3,296 |
| Net loans and leases to total assets | 63.2108% | 3,361 |
| Net loans and leases to deposits | 90.7127% | 1,600 |
| Net loans and leases to core deposits | 116.6038% | 636 |
| Total domestic deposits to total assets | 69.6824% | 5,008 |
| Equity capital to assets | 7.5272% | 5,190 |
| Core capital (leverage) ratio | 6.9216% | 5,223 |
| Tier 1 risk-based capital ratio | 12.6517% | 4,060 |
| Total risk-based capital ratio | 13.2156% | 4,320 |
| Memoranda: | ||
| Average total assets | $329,015,250 | 1,999 |
| Average earning assets | $312,044,000 | 1,959 |
| Average equity | $22,217,500 | 2,964 |
| Average total loans | $193,073,250 | 2,235 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7855% | 4,730 |
| Cost of funding earning assets | 1.8204% | 120 |
| Net interest margin | 1.9651% | 5,243 |
| Noninterest income to average assets | -0.1225% | 5,282 |
| Noninterest expense to average assets | 2.2287% | 4,174 |
| Loan and lease loss provision to assets | 0.0707% | 2,402 |
| Net operating income to assets | -0.3692% | 5,175 |
| Return on assets (ROA) | -0.3692% | 5,180 |
| Pretax return on assets | -0.5576% | 5,196 |
| Return on Equity (ROE) | -5.6644% | 5,210 |
| Retained earnings to average equity (ytd only) | -5.6644% | 5,079 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.9522% | 62 |
| Assets per employee ($millions) | 7.5290% | 793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4995% | 5,017 |
| Loan loss allowance to noncurrent loans | 237.5000% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 0.1207% | 4,148 |
| Noncurrent loans to loans | 0.2103% | 3,789 |
| Net loans and leases to total assets | 57.1227% | 3,998 |
| Net loans and leases to deposits | 79.6346% | 2,996 |
| Net loans and leases to core deposits | 112.7748% | 833 |
| Total domestic deposits to total assets | 71.7310% | 4,985 |
| Equity capital to assets | 7.0273% | 5,261 |
| Core capital (leverage) ratio | 6.7446% | 5,270 |
| Tier 1 risk-based capital ratio | 14.3788% | 3,129 |
| Total risk-based capital ratio | 14.9775% | 3,361 |
| Memoranda: | ||
| Average total assets | $336,430,670 | 1,980 |
| Average earning assets | $319,166,670 | 1,947 |
| Average equity | $21,926,330 | 2,978 |
| Average total loans | $192,459,670 | 2,244 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7868% | 4,726 |
| Cost of funding earning assets | 1.7446% | 133 |
| Net interest margin | 2.0422% | 5,307 |
| Noninterest income to average assets | -0.2914% | 5,345 |
| Noninterest expense to average assets | 2.1828% | 4,306 |
| Loan and lease loss provision to assets | 0.0897% | 1,914 |
| Net operating income to assets | -0.5369% | 5,257 |
| Return on assets (ROA) | -0.5369% | 5,253 |
| Pretax return on assets | -0.6289% | 5,253 |
| Return on Equity (ROE) | -8.5649% | 5,286 |
| Retained earnings to average equity (ytd only) | -8.5649% | 5,053 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.8069% | 53 |
| Assets per employee ($millions) | 8.2537% | 610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4689% | 5,117 |
| Loan loss allowance to noncurrent loans | 180.3181% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 0.1486% | 4,058 |
| Noncurrent loans to loans | 0.2601% | 3,633 |
| Net loans and leases to total assets | 56.8895% | 3,990 |
| Net loans and leases to deposits | 78.7794% | 2,972 |
| Net loans and leases to core deposits | 113.9919% | 744 |
| Total domestic deposits to total assets | 72.2137% | 5,035 |
| Equity capital to assets | 6.4246% | 5,335 |
| Core capital (leverage) ratio | 6.7019% | 5,330 |
| Tier 1 risk-based capital ratio | 14.5392% | 3,087 |
| Total risk-based capital ratio | 15.1132% | 3,325 |
| Memoranda: | ||
| Average total assets | $339,007,000 | 1,981 |
| Average earning assets | $321,222,000 | 1,955 |
| Average equity | $21,249,500 | 3,050 |
| Average total loans | $193,597,000 | 2,263 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5456% | 4,861 |
| Cost of funding earning assets | 1.6542% | 49 |
| Net interest margin | 1.8914% | 5,344 |
| Noninterest income to average assets | 0.1104% | 5,121 |
| Noninterest expense to average assets | 1.7099% | 5,082 |
| Loan and lease loss provision to assets | 0.0368% | 3,462 |
| Net operating income to assets | 0.1441% | 5,152 |
| Return on assets (ROA) | 0.1441% | 5,146 |
| Pretax return on assets | 0.1573% | 5,143 |
| Return on Equity (ROE) | 2.5671% | 4,972 |
| Retained earnings to average equity (ytd only) | 2.5671% | 4,116 |
| Net charge-offs to loans | 0.0323% | 2,755 |
| Credit loss provision to net charge-offs | 211.2903% | 1,371 |
| Earnings coverage of net charge-offs (x) | 11.1452% | 2,652 |
| Efficiency ratio | 89.8083% | 352 |
| Assets per employee ($millions) | 8.7081% | 511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4294% | 5,188 |
| Loan loss allowance to noncurrent loans | 171.9008% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.1425% | 4,116 |
| Noncurrent loans to loans | 0.2498% | 3,688 |
| Net loans and leases to total assets | 56.8119% | 4,065 |
| Net loans and leases to deposits | 78.1710% | 3,144 |
| Net loans and leases to core deposits | 117.0006% | 652 |
| Total domestic deposits to total assets | 72.6763% | 5,031 |
| Equity capital to assets | 6.1122% | 5,378 |
| Core capital (leverage) ratio | 6.7833% | 5,362 |
| Tier 1 risk-based capital ratio | 15.1514% | 2,754 |
| Total risk-based capital ratio | 15.6896% | 3,004 |
| Memoranda: | ||
| Average total assets | $356,111,400 | 1,892 |
| Average earning assets | $337,689,200 | 1,856 |
| Average equity | $19,984,000 | 3,091 |
| Average total loans | $191,798,000 | 2,235 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5788% | 4,838 |
| Cost of funding earning assets | 1.6248% | 39 |
| Net interest margin | 1.9539% | 5,410 |
| Noninterest income to average assets | 0.2472% | 4,498 |
| Noninterest expense to average assets | 1.5882% | 5,217 |
| Loan and lease loss provision to assets | 0.0244% | 3,530 |
| Net operating income to assets | 0.3709% | 4,997 |
| Return on assets (ROA) | 0.3709% | 4,995 |
| Pretax return on assets | 0.4893% | 4,916 |
| Return on Equity (ROE) | 6.7506% | 4,019 |
| Retained earnings to average equity (ytd only) | 6.7506% | 2,263 |
| Net charge-offs to loans | 0.0432% | 2,232 |
| Credit loss provision to net charge-offs | 106.4516% | 2,173 |
| Earnings coverage of net charge-offs (x) | 22.3883% | 1,878 |
| Efficiency ratio | 75.5591% | 1,405 |
| Assets per employee ($millions) | 10.6733% | 269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3985% | 5,284 |
| Loan loss allowance to noncurrent loans | 126.5677% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 0.1774% | 4,065 |
| Noncurrent loans to loans | 0.3149% | 3,539 |
| Net loans and leases to total assets | 56.1235% | 4,210 |
| Net loans and leases to deposits | 76.7921% | 3,345 |
| Net loans and leases to core deposits | 113.4887% | 843 |
| Total domestic deposits to total assets | 73.0850% | 5,054 |
| Equity capital to assets | 5.6054% | 5,455 |
| Core capital (leverage) ratio | 6.7726% | 5,440 |
| Tier 1 risk-based capital ratio | 15.8804% | 2,488 |
| Total risk-based capital ratio | 16.3901% | 2,741 |
| Memoranda: | ||
| Average total assets | $360,235,750 | 1,881 |
| Average earning assets | $341,934,250 | 1,851 |
| Average equity | $19,790,500 | 3,130 |
| Average total loans | $191,304,250 | 2,250 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5674% | 4,819 |
| Cost of funding earning assets | 1.6013% | 34 |
| Net interest margin | 1.9662% | 5,473 |
| Noninterest income to average assets | 0.2767% | 4,336 |
| Noninterest expense to average assets | 1.5096% | 5,336 |
| Loan and lease loss provision to assets | 0.0262% | 3,392 |
| Net operating income to assets | 0.4655% | 4,829 |
| Return on assets (ROA) | 0.4655% | 4,834 |
| Pretax return on assets | 0.6112% | 4,722 |
| Return on Equity (ROE) | 8.5276% | 3,247 |
| Retained earnings to average equity (ytd only) | 8.5276% | 1,394 |
| Net charge-offs to loans | 0.0649% | 1,693 |
| Credit loss provision to net charge-offs | 77.4194% | 2,286 |
| Earnings coverage of net charge-offs (x) | 18.8387% | 1,876 |
| Efficiency ratio | 70.3101% | 2,260 |
| Assets per employee ($millions) | 10.7150% | 260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3821% | 5,375 |
| Loan loss allowance to noncurrent loans | 60.3546% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 0.3510% | 3,345 |
| Noncurrent loans to loans | 0.6330% | 2,528 |
| Net loans and leases to total assets | 55.2309% | 4,226 |
| Net loans and leases to deposits | 75.4805% | 3,394 |
| Net loans and leases to core deposits | 108.2928% | 1,100 |
| Total domestic deposits to total assets | 73.1723% | 5,111 |
| Equity capital to assets | 5.5250% | 5,518 |
| Core capital (leverage) ratio | 6.6108% | 5,501 |
| Tier 1 risk-based capital ratio | 15.5148% | 2,632 |
| Total risk-based capital ratio | 16.0044% | 2,919 |
| Memoranda: | ||
| Average total assets | $366,466,000 | 1,860 |
| Average earning assets | $348,598,330 | 1,823 |
| Average equity | $20,005,670 | 3,130 |
| Average total loans | $190,921,000 | 2,255 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5874% | 4,730 |
| Cost of funding earning assets | 1.5637% | 30 |
| Net interest margin | 2.0238% | 5,536 |
| Noninterest income to average assets | 0.4098% | 3,397 |
| Noninterest expense to average assets | 1.5586% | 5,351 |
| Loan and lease loss provision to assets | 0.0558% | 2,652 |
| Net operating income to assets | 0.5481% | 4,581 |
| Return on assets (ROA) | 0.5481% | 4,584 |
| Pretax return on assets | 0.7251% | 4,373 |
| Return on Equity (ROE) | 10.0986% | 2,379 |
| Retained earnings to average equity (ytd only) | 10.0986% | 1,130 |
| Net charge-offs to loans | 0.1317% | 1,015 |
| Credit loss provision to net charge-offs | 83.8710% | 1,707 |
| Earnings coverage of net charge-offs (x) | 11.7419% | 1,831 |
| Efficiency ratio | 66.6208% | 3,062 |
| Assets per employee ($millions) | 10.6822% | 260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3844% | 5,443 |
| Loan loss allowance to noncurrent loans | 42.6387% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 0.4862% | 2,911 |
| Noncurrent loans to loans | 0.9016% | 2,016 |
| Net loans and leases to total assets | 53.7212% | 4,309 |
| Net loans and leases to deposits | 72.4246% | 3,563 |
| Net loans and leases to core deposits | 103.4501% | 1,420 |
| Total domestic deposits to total assets | 74.1752% | 5,134 |
| Equity capital to assets | 5.3883% | 5,581 |
| Core capital (leverage) ratio | 6.4276% | 5,559 |
| Tier 1 risk-based capital ratio | 15.1727% | 2,794 |
| Total risk-based capital ratio | 15.6613% | 3,078 |
| Memoranda: | ||
| Average total assets | $372,902,000 | 1,851 |
| Average earning assets | $355,573,500 | 1,809 |
| Average equity | $20,240,500 | 3,138 |
| Average total loans | $188,360,500 | 2,294 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3471% | 5,015 |
| Cost of funding earning assets | 1.3701% | 35 |
| Net interest margin | 1.9770% | 5,575 |
| Noninterest income to average assets | -0.0259% | 5,636 |
| Noninterest expense to average assets | 1.6194% | 5,396 |
| Loan and lease loss provision to assets | 0.0281% | 3,714 |
| Net operating income to assets | 0.0289% | 5,332 |
| Return on assets (ROA) | -0.0273% | 5,387 |
| Pretax return on assets | 0.1329% | 5,360 |
| Return on Equity (ROE) | -0.4457% | 5,397 |
| Retained earnings to average equity (ytd only) | -1.3370% | 5,215 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6784% | 602 |
| Assets per employee ($millions) | 11.2532% | 225 |
| Cash dividends to net income (ytd only)* | -200.0000% | 5,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4219% | 5,468 |
| Loan loss allowance to noncurrent loans | 29.0004% | 4,864 |
| Noncurrent assets plus other real estate owned to assets | 0.6876% | 2,253 |
| Noncurrent loans to loans | 1.4547% | 1,178 |
| Net loans and leases to total assets | 47.0696% | 4,825 |
| Net loans and leases to deposits | 62.7920% | 4,385 |
| Net loans and leases to core deposits | 89.1113% | 2,645 |
| Total domestic deposits to total assets | 74.9612% | 5,099 |
| Equity capital to assets | 5.4654% | 5,641 |
| Core capital (leverage) ratio | 6.0109% | 5,633 |
| Tier 1 risk-based capital ratio | 14.8778% | 2,898 |
| Total risk-based capital ratio | 15.3743% | 3,196 |
| Memoranda: | ||
| Average total assets | $366,442,600 | 1,843 |
| Average earning assets | $351,079,000 | 1,798 |
| Average equity | $22,439,000 | 2,907 |
| Average total loans | $140,496,200 | 2,774 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3861% | 4,980 |
| Cost of funding earning assets | 1.3334% | 38 |
| Net interest margin | 2.0527% | 5,634 |
| Noninterest income to average assets | 0.0287% | 5,637 |
| Noninterest expense to average assets | 1.5978% | 5,453 |
| Loan and lease loss provision to assets | 0.0140% | 3,870 |
| Net operating income to assets | 0.2875% | 5,241 |
| Return on assets (ROA) | 0.2417% | 5,325 |
| Pretax return on assets | 0.3223% | 5,292 |
| Return on Equity (ROE) | 3.8385% | 4,905 |
| Retained earnings to average equity (ytd only) | 2.6700% | 4,298 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0848% | 1,091 |
| Assets per employee ($millions) | 10.6599% | 258 |
| Cash dividends to net income (ytd only)* | 30.4413% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4759% | 5,497 |
| Loan loss allowance to noncurrent loans | 27.0124% | 4,984 |
| Noncurrent assets plus other real estate owned to assets | 0.6926% | 2,429 |
| Noncurrent loans to loans | 1.7619% | 1,022 |
| Net loans and leases to total assets | 39.1210% | 5,225 |
| Net loans and leases to deposits | 54.7504% | 4,931 |
| Net loans and leases to core deposits | 83.3780% | 3,184 |
| Total domestic deposits to total assets | 71.4535% | 5,417 |
| Equity capital to assets | 6.1979% | 5,699 |
| Core capital (leverage) ratio | 6.3289% | 5,687 |
| Tier 1 risk-based capital ratio | 13.0656% | 3,963 |
| Total risk-based capital ratio | 13.4573% | 4,386 |
| Memoranda: | ||
| Average total assets | $362,400,750 | 1,871 |
| Average earning assets | $347,175,000 | 1,823 |
| Average equity | $22,821,000 | 2,898 |
| Average total loans | $130,406,250 | 2,936 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3912% | 4,983 |
| Cost of funding earning assets | 1.2782% | 42 |
| Net interest margin | 2.1129% | 5,669 |
| Noninterest income to average assets | 0.0301% | 5,685 |
| Noninterest expense to average assets | 1.5695% | 5,519 |
| Loan and lease loss provision to assets | 0.0084% | 3,759 |
| Net operating income to assets | 0.3575% | 5,075 |
| Return on assets (ROA) | 0.3183% | 5,198 |
| Pretax return on assets | 0.4230% | 5,137 |
| Return on Equity (ROE) | 5.0264% | 4,466 |
| Retained earnings to average equity (ytd only) | 5.0264% | 2,693 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4387% | 1,650 |
| Assets per employee ($millions) | 11.5458% | 195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4982% | 5,521 |
| Loan loss allowance to noncurrent loans | 14.3251% | 5,149 |
| Noncurrent assets plus other real estate owned to assets | 1.2367% | 1,368 |
| Noncurrent loans to loans | 3.4780% | 333 |
| Net loans and leases to total assets | 35.3814% | 5,402 |
| Net loans and leases to deposits | 49.2930% | 5,166 |
| Net loans and leases to core deposits | 80.2131% | 3,408 |
| Total domestic deposits to total assets | 71.7777% | 5,467 |
| Equity capital to assets | 6.0389% | 5,745 |
| Core capital (leverage) ratio | 6.2316% | 5,735 |
| Tier 1 risk-based capital ratio | 13.0720% | 3,958 |
| Total risk-based capital ratio | 13.4526% | 4,372 |
| Memoranda: | ||
| Average total assets | $358,835,670 | 1,890 |
| Average earning assets | $343,599,330 | 1,844 |
| Average equity | $22,720,000 | 2,910 |
| Average total loans | $124,989,330 | 3,022 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4774% | 4,754 |
| Cost of funding earning assets | 1.2622% | 44 |
| Net interest margin | 2.2152% | 5,694 |
| Noninterest income to average assets | -0.0242% | 5,829 |
| Noninterest expense to average assets | 1.5356% | 5,611 |
| Loan and lease loss provision to assets | 0.0138% | 3,386 |
| Net operating income to assets | 0.3853% | 4,986 |
| Return on assets (ROA) | 0.3853% | 5,011 |
| Pretax return on assets | 0.5441% | 4,855 |
| Return on Equity (ROE) | 5.9356% | 3,953 |
| Retained earnings to average equity (ytd only) | 5.9356% | 2,384 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3516% | 2,348 |
| Assets per employee ($millions) | 11.5274% | 191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5346% | 5,564 |
| Loan loss allowance to noncurrent loans | 14.1922% | 5,229 |
| Noncurrent assets plus other real estate owned to assets | 1.3250% | 1,279 |
| Noncurrent loans to loans | 3.7671% | 296 |
| Net loans and leases to total assets | 34.9861% | 5,443 |
| Net loans and leases to deposits | 50.9072% | 5,067 |
| Net loans and leases to core deposits | 76.9906% | 3,563 |
| Total domestic deposits to total assets | 68.7252% | 5,664 |
| Equity capital to assets | 6.3851% | 5,795 |
| Core capital (leverage) ratio | 6.5267% | 5,793 |
| Tier 1 risk-based capital ratio | 13.3246% | 3,872 |
| Total risk-based capital ratio | 13.7116% | 4,313 |
| Memoranda: | ||
| Average total assets | $347,748,000 | 1,947 |
| Average earning assets | $332,429,500 | 1,899 |
| Average equity | $22,575,500 | 2,939 |
| Average total loans | $119,743,000 | 3,112 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4459% | 4,893 |
| Cost of funding earning assets | 1.1311% | 77 |
| Net interest margin | 2.3148% | 5,702 |
| Noninterest income to average assets | 0.0447% | 5,784 |
| Noninterest expense to average assets | 1.6368% | 5,618 |
| Loan and lease loss provision to assets | 0.0280% | 3,801 |
| Net operating income to assets | 0.3987% | 4,946 |
| Return on assets (ROA) | 0.3987% | 5,026 |
| Pretax return on assets | 0.5875% | 4,822 |
| Return on Equity (ROE) | 5.7115% | 4,112 |
| Retained earnings to average equity (ytd only) | 5.7115% | 1,873 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6735% | 2,480 |
| Assets per employee ($millions) | 12.5240% | 150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5800% | 5,566 |
| Loan loss allowance to noncurrent loans | 14.9186% | 5,267 |
| Noncurrent assets plus other real estate owned to assets | 1.3083% | 1,340 |
| Noncurrent loans to loans | 3.8878% | 277 |
| Net loans and leases to total assets | 33.4564% | 5,563 |
| Net loans and leases to deposits | 53.9564% | 5,015 |
| Net loans and leases to core deposits | 91.8697% | 2,315 |
| Total domestic deposits to total assets | 62.0063% | 5,806 |
| Equity capital to assets | 6.6048% | 5,830 |
| Core capital (leverage) ratio | 6.5821% | 5,837 |
| Tier 1 risk-based capital ratio | 14.4218% | 3,228 |
| Total risk-based capital ratio | 14.8459% | 3,615 |
| Memoranda: | ||
| Average total assets | $292,948,600 | 2,209 |
| Average earning assets | $279,375,400 | 2,158 |
| Average equity | $20,450,000 | 3,124 |
| Average total loans | $96,926,600 | 3,445 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3928% | 5,039 |
| Cost of funding earning assets | 1.1076% | 92 |
| Net interest margin | 2.2852% | 5,782 |
| Noninterest income to average assets | 0.0497% | 5,838 |
| Noninterest expense to average assets | 1.6318% | 5,665 |
| Loan and lease loss provision to assets | 0.0341% | 3,554 |
| Net operating income to assets | 0.3953% | 5,030 |
| Return on assets (ROA) | 0.3953% | 5,126 |
| Pretax return on assets | 0.5638% | 4,966 |
| Return on Equity (ROE) | 5.5724% | 4,277 |
| Retained earnings to average equity (ytd only) | 5.5724% | 2,444 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1847% | 2,408 |
| Assets per employee ($millions) | 11.8821% | 177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6349% | 5,558 |
| Loan loss allowance to noncurrent loans | 16.4682% | 5,347 |
| Noncurrent assets plus other real estate owned to assets | 1.3288% | 1,428 |
| Noncurrent loans to loans | 3.8555% | 299 |
| Net loans and leases to total assets | 30.5748% | 5,703 |
| Net loans and leases to deposits | 53.7606% | 5,125 |
| Net loans and leases to core deposits | 82.8753% | 3,222 |
| Total domestic deposits to total assets | 56.8721% | 5,909 |
| Equity capital to assets | 6.7370% | 5,906 |
| Core capital (leverage) ratio | 6.9029% | 5,888 |
| Tier 1 risk-based capital ratio | 14.9659% | 3,067 |
| Total risk-based capital ratio | 15.4010% | 3,406 |
| Memoranda: | ||
| Average total assets | $281,648,750 | 2,281 |
| Average earning assets | $268,683,750 | 2,225 |
| Average equity | $19,979,000 | 3,192 |
| Average total loans | $92,710,250 | 3,534 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3972% | 5,088 |
| Cost of funding earning assets | 1.1105% | 84 |
| Net interest margin | 2.2867% | 5,870 |
| Noninterest income to average assets | 0.0574% | 5,900 |
| Noninterest expense to average assets | 1.7231% | 5,672 |
| Loan and lease loss provision to assets | 0.0408% | 3,344 |
| Net operating income to assets | 0.3310% | 5,234 |
| Return on assets (ROA) | 0.3310% | 5,315 |
| Pretax return on assets | 0.4769% | 5,183 |
| Return on Equity (ROE) | 4.5703% | 4,690 |
| Retained earnings to average equity (ytd only) | 4.5703% | 3,004 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8971% | 1,943 |
| Assets per employee ($millions) | 13.1555% | 121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6598% | 5,590 |
| Loan loss allowance to noncurrent loans | 15.5054% | 5,460 |
| Noncurrent assets plus other real estate owned to assets | 1.5721% | 1,189 |
| Noncurrent loans to loans | 4.2551% | 260 |
| Net loans and leases to total assets | 32.8794% | 5,713 |
| Net loans and leases to deposits | 57.7673% | 4,915 |
| Net loans and leases to core deposits | 84.7841% | 3,009 |
| Total domestic deposits to total assets | 56.9171% | 5,990 |
| Equity capital to assets | 7.6325% | 5,889 |
| Core capital (leverage) ratio | 7.9709% | 5,743 |
| Tier 1 risk-based capital ratio | 20.2154% | 1,412 |
| Total risk-based capital ratio | 20.7977% | 1,515 |
| Memoranda: | ||
| Average total assets | $264,632,000 | 2,428 |
| Average earning assets | $252,678,330 | 2,361 |
| Average equity | $19,167,330 | 3,278 |
| Average total loans | $89,489,670 | 3,626 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6333% | 4,523 |
| Cost of funding earning assets | 1.1469% | 71 |
| Net interest margin | 2.4864% | 5,817 |
| Noninterest income to average assets | 0.0555% | 5,949 |
| Noninterest expense to average assets | 1.7365% | 5,720 |
| Loan and lease loss provision to assets | 0.0840% | 2,269 |
| Net operating income to assets | 0.4123% | 4,959 |
| Return on assets (ROA) | 0.4123% | 5,032 |
| Pretax return on assets | 0.6105% | 4,790 |
| Return on Equity (ROE) | 5.8737% | 4,048 |
| Retained earnings to average equity (ytd only) | 5.8737% | 2,436 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4286% | 2,882 |
| Assets per employee ($millions) | 10.7360% | 225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7293% | 5,544 |
| Loan loss allowance to noncurrent loans | 15.4166% | 5,478 |
| Noncurrent assets plus other real estate owned to assets | 1.8349% | 998 |
| Noncurrent loans to loans | 4.7307% | 221 |
| Net loans and leases to total assets | 33.3336% | 5,738 |
| Net loans and leases to deposits | 60.5133% | 4,680 |
| Net loans and leases to core deposits | 77.4507% | 3,553 |
| Total domestic deposits to total assets | 55.0847% | 6,061 |
| Equity capital to assets | 6.9753% | 6,010 |
| Core capital (leverage) ratio | 6.8978% | 6,005 |
| Tier 1 risk-based capital ratio | 16.8780% | 2,333 |
| Total risk-based capital ratio | 17.4778% | 2,536 |
| Memoranda: | ||
| Average total assets | $252,237,500 | 2,525 |
| Average earning assets | $240,991,000 | 2,458 |
| Average equity | $17,706,000 | 3,476 |
| Average total loans | $86,338,500 | 3,697 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4202% | 5,115 |
| Cost of funding earning assets | 1.0638% | 123 |
| Net interest margin | 2.3563% | 5,917 |
| Noninterest income to average assets | 0.0440% | 6,023 |
| Noninterest expense to average assets | 1.7566% | 5,795 |
| Loan and lease loss provision to assets | -0.0339% | 5,702 |
| Net operating income to assets | 0.3890% | 5,091 |
| Return on assets (ROA) | 0.3890% | 5,166 |
| Pretax return on assets | 0.5801% | 4,899 |
| Return on Equity (ROE) | 5.4417% | 4,312 |
| Retained earnings to average equity (ytd only) | 5.4417% | 2,110 |
| Net charge-offs to loans | 0.0593% | 3,034 |
| Credit loss provision to net charge-offs | -172.3404% | 5,257 |
| Earnings coverage of net charge-offs (x) | 27.7234% | 1,538 |
| Efficiency ratio | 76.2832% | 2,228 |
| Assets per employee ($millions) | 12.3405% | 136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6709% | 5,691 |
| Loan loss allowance to noncurrent loans | 13.9918% | 5,527 |
| Noncurrent assets plus other real estate owned to assets | 1.9310% | 928 |
| Noncurrent loans to loans | 4.7947% | 208 |
| Net loans and leases to total assets | 34.6740% | 5,753 |
| Net loans and leases to deposits | 66.2125% | 4,298 |
| Net loans and leases to core deposits | 79.3294% | 3,411 |
| Total domestic deposits to total assets | 52.3678% | 6,122 |
| Equity capital to assets | 7.0658% | 6,046 |
| Core capital (leverage) ratio | 6.9252% | 6,058 |
| Tier 1 risk-based capital ratio | 17.9268% | 1,984 |
| Total risk-based capital ratio | 18.5245% | 2,142 |
| Memoranda: | ||
| Average total assets | $238,589,800 | 2,589 |
| Average earning assets | $228,702,600 | 2,520 |
| Average equity | $17,053,400 | 3,523 |
| Average total loans | $79,290,200 | 3,845 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3920% | 5,222 |
| Cost of funding earning assets | 1.0379% | 146 |
| Net interest margin | 2.3541% | 6,002 |
| Noninterest income to average assets | 0.0434% | 6,114 |
| Noninterest expense to average assets | 1.7412% | 5,864 |
| Loan and lease loss provision to assets | -0.0485% | 5,911 |
| Net operating income to assets | 0.4030% | 5,152 |
| Return on assets (ROA) | 0.4030% | 5,240 |
| Pretax return on assets | 0.6071% | 4,957 |
| Return on Equity (ROE) | 5.6219% | 4,349 |
| Retained earnings to average equity (ytd only) | 5.6219% | 2,509 |
| Net charge-offs to loans | 0.0808% | 2,401 |
| Credit loss provision to net charge-offs | -182.9787% | 5,159 |
| Earnings coverage of net charge-offs (x) | 21.0835% | 1,840 |
| Efficiency ratio | 75.7108% | 2,283 |
| Assets per employee ($millions) | 11.9156% | 151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6788% | 5,770 |
| Loan loss allowance to noncurrent loans | 12.2436% | 5,642 |
| Noncurrent assets plus other real estate owned to assets | 2.1828% | 878 |
| Noncurrent loans to loans | 5.5444% | 164 |
| Net loans and leases to total assets | 33.5042% | 5,879 |
| Net loans and leases to deposits | 66.1081% | 4,377 |
| Net loans and leases to core deposits | 78.8601% | 3,521 |
| Total domestic deposits to total assets | 50.6810% | 6,213 |
| Equity capital to assets | 6.9273% | 6,157 |
| Core capital (leverage) ratio | 6.9625% | 6,131 |
| Tier 1 risk-based capital ratio | 18.0012% | 2,026 |
| Total risk-based capital ratio | 18.6004% | 2,186 |
| Memoranda: | ||
| Average total assets | $236,534,750 | 2,622 |
| Average earning assets | $226,724,000 | 2,553 |
| Average equity | $16,957,000 | 3,563 |
| Average total loans | $77,573,500 | 3,935 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3800% | 5,269 |
| Cost of funding earning assets | 1.0410% | 136 |
| Net interest margin | 2.3390% | 6,075 |
| Noninterest income to average assets | 0.0543% | 6,160 |
| Noninterest expense to average assets | 1.7563% | 5,913 |
| Loan and lease loss provision to assets | -0.1129% | 6,099 |
| Net operating income to assets | 0.4294% | 5,040 |
| Return on assets (ROA) | 0.4294% | 5,143 |
| Pretax return on assets | 0.6544% | 4,811 |
| Return on Equity (ROE) | 5.9175% | 4,167 |
| Retained earnings to average equity (ytd only) | 5.9175% | 2,294 |
| Net charge-offs to loans | 0.1248% | 1,757 |
| Credit loss provision to net charge-offs | -278.7234% | 5,095 |
| Earnings coverage of net charge-offs (x) | 13.3617% | 2,137 |
| Efficiency ratio | 76.4353% | 2,289 |
| Assets per employee ($millions) | 11.9400% | 154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7119% | 5,791 |
| Loan loss allowance to noncurrent loans | 20.0152% | 5,680 |
| Noncurrent assets plus other real estate owned to assets | 1.4322% | 1,743 |
| Noncurrent loans to loans | 3.5569% | 487 |
| Net loans and leases to total assets | 30.8363% | 6,014 |
| Net loans and leases to deposits | 59.3660% | 4,904 |
| Net loans and leases to core deposits | 61.3688% | 4,987 |
| Total domestic deposits to total assets | 51.9426% | 6,284 |
| Equity capital to assets | 7.1411% | 6,173 |
| Core capital (leverage) ratio | 7.1588% | 6,165 |
| Tier 1 risk-based capital ratio | 19.2222% | 1,745 |
| Total risk-based capital ratio | 19.8111% | 1,864 |
| Memoranda: | ||
| Average total assets | $231,970,330 | 2,688 |
| Average earning assets | $222,483,670 | 2,603 |
| Average equity | $16,831,330 | 3,596 |
| Average total loans | $75,294,670 | 4,022 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3983% | 5,207 |
| Cost of funding earning assets | 1.0410% | 140 |
| Net interest margin | 2.3573% | 6,117 |
| Noninterest income to average assets | 0.0543% | 6,216 |
| Noninterest expense to average assets | 1.8026% | 5,895 |
| Loan and lease loss provision to assets | -0.0718% | 6,186 |
| Net operating income to assets | 0.3850% | 5,130 |
| Return on assets (ROA) | 0.3850% | 5,248 |
| Pretax return on assets | 0.5863% | 4,955 |
| Return on Equity (ROE) | 5.2630% | 4,396 |
| Retained earnings to average equity (ytd only) | 5.2630% | 2,911 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7946% | 2,213 |
| Assets per employee ($millions) | 11.6636% | 162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8815% | 5,495 |
| Loan loss allowance to noncurrent loans | 20.3988% | 5,712 |
| Noncurrent assets plus other real estate owned to assets | 1.4605% | 1,804 |
| Noncurrent loans to loans | 4.3212% | 371 |
| Net loans and leases to total assets | 32.0558% | 5,998 |
| Net loans and leases to deposits | 60.0247% | 4,744 |
| Net loans and leases to core deposits | 61.7058% | 4,859 |
| Total domestic deposits to total assets | 53.4044% | 6,353 |
| Equity capital to assets | 7.1964% | 6,238 |
| Core capital (leverage) ratio | 7.3211% | 6,192 |
| Tier 1 risk-based capital ratio | 20.3420% | 1,551 |
| Total risk-based capital ratio | 21.1400% | 1,613 |
| Memoranda: | ||
| Average total assets | $228,555,500 | 2,733 |
| Average earning assets | $219,403,000 | 2,647 |
| Average equity | $16,720,500 | 3,627 |
| Average total loans | $75,698,000 | 4,032 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6281% | 5,008 |
| Cost of funding earning assets | 1.0178% | 214 |
| Net interest margin | 2.6103% | 6,054 |
| Noninterest income to average assets | 0.0489% | 6,295 |
| Noninterest expense to average assets | 1.6640% | 6,190 |
| Loan and lease loss provision to assets | 0.1486% | 1,766 |
| Net operating income to assets | 0.4657% | 4,941 |
| Return on assets (ROA) | 0.4730% | 5,009 |
| Pretax return on assets | 0.7493% | 4,445 |
| Return on Equity (ROE) | 6.4992% | 3,899 |
| Retained earnings to average equity (ytd only) | 6.4992% | 1,637 |
| Net charge-offs to loans | 0.5283% | 769 |
| Credit loss provision to net charge-offs | 83.2487% | 2,800 |
| Earnings coverage of net charge-offs (x) | 4.9670% | 3,529 |
| Efficiency ratio | 65.2398% | 4,367 |
| Assets per employee ($millions) | 11.1920% | 178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5043% | 6,251 |
| Loan loss allowance to noncurrent loans | 11.1662% | 5,911 |
| Noncurrent assets plus other real estate owned to assets | 1.5323% | 1,774 |
| Noncurrent loans to loans | 4.5159% | 368 |
| Net loans and leases to total assets | 33.7612% | 6,047 |
| Net loans and leases to deposits | 68.5526% | 4,071 |
| Net loans and leases to core deposits | 70.7236% | 4,248 |
| Total domestic deposits to total assets | 49.2486% | 6,449 |
| Equity capital to assets | 7.4401% | 6,247 |
| Core capital (leverage) ratio | 7.4168% | 6,232 |
| Tier 1 risk-based capital ratio | 19.7386% | 1,654 |
| Total risk-based capital ratio | 20.1908% | 1,827 |
| Memoranda: | ||
| Average total assets | $220,732,800 | 2,773 |
| Average earning assets | $211,544,400 | 2,693 |
| Average equity | $16,063,600 | 3,658 |
| Average total loans | $74,577,000 | 4,039 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7580% | 4,688 |
| Cost of funding earning assets | 1.0114% | 235 |
| Net interest margin | 2.7465% | 5,942 |
| Noninterest income to average assets | -0.0158% | 6,497 |
| Noninterest expense to average assets | 1.6282% | 6,265 |
| Loan and lease loss provision to assets | 0.1891% | 1,291 |
| Net operating income to assets | 0.5008% | 4,871 |
| Return on assets (ROA) | 0.4989% | 4,945 |
| Pretax return on assets | 0.7959% | 4,378 |
| Return on Equity (ROE) | 6.8944% | 3,755 |
| Retained earnings to average equity (ytd only) | 6.8944% | 1,870 |
| Net charge-offs to loans | 0.6430% | 556 |
| Credit loss provision to net charge-offs | 87.1508% | 2,478 |
| Earnings coverage of net charge-offs (x) | 4.5531% | 3,429 |
| Efficiency ratio | 62.2335% | 4,854 |
| Assets per employee ($millions) | 10.2239% | 224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5305% | 6,302 |
| Loan loss allowance to noncurrent loans | 15.0654% | 5,993 |
| Noncurrent assets plus other real estate owned to assets | 1.3867% | 2,228 |
| Noncurrent loans to loans | 3.5210% | 679 |
| Net loans and leases to total assets | 33.5974% | 6,131 |
| Net loans and leases to deposits | 67.5248% | 4,181 |
| Net loans and leases to core deposits | 69.6238% | 4,361 |
| Total domestic deposits to total assets | 49.7557% | 6,527 |
| Equity capital to assets | 7.2895% | 6,343 |
| Core capital (leverage) ratio | 7.4261% | 6,307 |
| Tier 1 risk-based capital ratio | 19.4015% | 1,799 |
| Total risk-based capital ratio | 19.8757% | 1,975 |
| Memoranda: | ||
| Average total assets | $219,956,000 | 2,800 |
| Average earning assets | $210,782,750 | 2,725 |
| Average equity | $15,916,000 | 3,703 |
| Average total loans | $74,232,750 | 4,082 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7513% | 4,686 |
| Cost of funding earning assets | 1.0207% | 234 |
| Net interest margin | 2.7306% | 6,014 |
| Noninterest income to average assets | -0.0147% | 6,573 |
| Noninterest expense to average assets | 1.5547% | 6,389 |
| Loan and lease loss provision to assets | 0.1402% | 1,768 |
| Net operating income to assets | 0.5600% | 4,545 |
| Return on assets (ROA) | 0.5570% | 4,664 |
| Pretax return on assets | 0.9033% | 3,877 |
| Return on Equity (ROE) | 7.7177% | 3,249 |
| Retained earnings to average equity (ytd only) | 7.7177% | 1,423 |
| Net charge-offs to loans | 0.3123% | 1,294 |
| Credit loss provision to net charge-offs | 133.0435% | 1,588 |
| Earnings coverage of net charge-offs (x) | 9.9478% | 2,299 |
| Efficiency ratio | 59.7325% | 5,331 |
| Assets per employee ($millions) | 9.6833% | 257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6500% | 6,249 |
| Loan loss allowance to noncurrent loans | 14.7085% | 6,055 |
| Noncurrent assets plus other real estate owned to assets | 1.5571% | 2,093 |
| Noncurrent loans to loans | 4.4189% | 504 |
| Net loans and leases to total assets | 33.4240% | 6,181 |
| Net loans and leases to deposits | 67.8278% | 4,074 |
| Net loans and leases to core deposits | 69.9824% | 4,271 |
| Total domestic deposits to total assets | 49.2778% | 6,597 |
| Equity capital to assets | 7.2572% | 6,402 |
| Core capital (leverage) ratio | 7.3332% | 6,361 |
| Tier 1 risk-based capital ratio | 19.2306% | 1,869 |
| Total risk-based capital ratio | 19.8064% | 2,005 |
| Memoranda: | ||
| Average total assets | $218,299,670 | 2,833 |
| Average earning assets | $209,258,330 | 2,747 |
| Average equity | $15,756,000 | 3,730 |
| Average total loans | $73,653,000 | 4,116 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5903% | 5,198 |
| Cost of funding earning assets | 1.0192% | 251 |
| Net interest margin | 2.5711% | 6,272 |
| Noninterest income to average assets | 0.0259% | 6,554 |
| Noninterest expense to average assets | 1.5956% | 6,432 |
| Loan and lease loss provision to assets | 0.0592% | 2,921 |
| Net operating income to assets | 0.5150% | 4,611 |
| Return on assets (ROA) | 0.5090% | 4,722 |
| Pretax return on assets | 0.8274% | 3,984 |
| Return on Equity (ROE) | 7.0728% | 3,436 |
| Retained earnings to average equity (ytd only) | 7.0728% | 2,012 |
| Net charge-offs to loans | 0.0822% | 2,328 |
| Credit loss provision to net charge-offs | 213.3333% | 990 |
| Earnings coverage of net charge-offs (x) | 32.2667% | 1,004 |
| Efficiency ratio | 64.0416% | 4,850 |
| Assets per employee ($millions) | 10.0205% | 230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6321% | 6,368 |
| Loan loss allowance to noncurrent loans | 12.2793% | 6,161 |
| Noncurrent assets plus other real estate owned to assets | 1.7491% | 2,011 |
| Noncurrent loans to loans | 5.1474% | 423 |
| Net loans and leases to total assets | 33.2319% | 6,214 |
| Net loans and leases to deposits | 66.4339% | 4,038 |
| Net loans and leases to core deposits | 68.5269% | 4,256 |
| Total domestic deposits to total assets | 50.0225% | 6,669 |
| Equity capital to assets | 7.1354% | 6,411 |
| Core capital (leverage) ratio | 7.4369% | 6,362 |
| Tier 1 risk-based capital ratio | 19.2873% | 1,881 |
| Total risk-based capital ratio | 19.8516% | 2,055 |
| Memoranda: | ||
| Average total assets | $216,091,000 | 2,872 |
| Average earning assets | $207,224,500 | 2,776 |
| Average equity | $15,552,500 | 3,774 |
| Average total loans | $73,015,500 | 4,165 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5021% | 5,638 |
| Cost of funding earning assets | 1.0728% | 325 |
| Net interest margin | 2.4293% | 6,422 |
| Noninterest income to average assets | -0.0069% | 6,669 |
| Noninterest expense to average assets | 1.6343% | 6,493 |
| Loan and lease loss provision to assets | 0.0605% | 3,932 |
| Net operating income to assets | 0.3806% | 5,216 |
| Return on assets (ROA) | 0.3806% | 5,334 |
| Pretax return on assets | 0.6234% | 4,795 |
| Return on Equity (ROE) | 5.1130% | 4,572 |
| Retained earnings to average equity (ytd only) | 5.1130% | 2,518 |
| Net charge-offs to loans | 0.1522% | 3,283 |
| Credit loss provision to net charge-offs | 110.9091% | 2,170 |
| Earnings coverage of net charge-offs (x) | 12.5455% | 2,116 |
| Efficiency ratio | 70.5002% | 3,756 |
| Assets per employee ($millions) | 9.6241% | 261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6210% | 6,450 |
| Loan loss allowance to noncurrent loans | 11.9893% | 6,268 |
| Noncurrent assets plus other real estate owned to assets | 1.8448% | 1,981 |
| Noncurrent loans to loans | 5.1794% | 464 |
| Net loans and leases to total assets | 33.9374% | 6,302 |
| Net loans and leases to deposits | 65.6789% | 4,332 |
| Net loans and leases to core deposits | 67.7676% | 4,542 |
| Total domestic deposits to total assets | 51.6717% | 6,748 |
| Equity capital to assets | 7.2616% | 6,379 |
| Core capital (leverage) ratio | 7.4217% | 6,403 |
| Tier 1 risk-based capital ratio | 19.2032% | 1,866 |
| Total risk-based capital ratio | 19.7603% | 2,048 |
| Memoranda: | ||
| Average total assets | $201,803,600 | 3,016 |
| Average earning assets | $193,140,000 | 2,915 |
| Average equity | $15,020,600 | 3,872 |
| Average total loans | $72,262,800 | 4,185 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4495% | 5,784 |
| Cost of funding earning assets | 1.0676% | 363 |
| Net interest margin | 2.3820% | 6,529 |
| Noninterest income to average assets | -0.0214% | 6,776 |
| Noninterest expense to average assets | 1.6007% | 6,554 |
| Loan and lease loss provision to assets | 0.0850% | 3,359 |
| Net operating income to assets | 0.3512% | 5,432 |
| Return on assets (ROA) | 0.3512% | 5,559 |
| Pretax return on assets | 0.5719% | 5,124 |
| Return on Equity (ROE) | 4.6878% | 4,881 |
| Retained earnings to average equity (ytd only) | 4.6878% | 3,324 |
| Net charge-offs to loans | 0.1956% | 2,669 |
| Credit loss provision to net charge-offs | 119.8113% | 1,971 |
| Earnings coverage of net charge-offs (x) | 9.2641% | 2,507 |
| Efficiency ratio | 70.9037% | 3,620 |
| Assets per employee ($millions) | 9.5110% | 268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6234% | 6,531 |
| Loan loss allowance to noncurrent loans | 10.1823% | 6,359 |
| Noncurrent assets plus other real estate owned to assets | 2.2385% | 1,771 |
| Noncurrent loans to loans | 6.1226% | 405 |
| Net loans and leases to total assets | 34.8915% | 6,324 |
| Net loans and leases to deposits | 66.5470% | 4,233 |
| Net loans and leases to core deposits | 68.8132% | 4,454 |
| Total domestic deposits to total assets | 52.4314% | 6,826 |
| Equity capital to assets | 7.2356% | 6,482 |
| Core capital (leverage) ratio | 7.4947% | 6,449 |
| Tier 1 risk-based capital ratio | 18.6782% | 2,086 |
| Total risk-based capital ratio | 19.2431% | 2,290 |
| Memoranda: | ||
| Average total assets | $199,321,750 | 3,065 |
| Average earning assets | $190,706,750 | 2,963 |
| Average equity | $14,932,000 | 3,929 |
| Average total loans | $72,252,250 | 4,216 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4728% | 5,747 |
| Cost of funding earning assets | 1.0566% | 416 |
| Net interest margin | 2.4163% | 6,539 |
| Noninterest income to average assets | 0.0092% | 6,773 |
| Noninterest expense to average assets | 1.5846% | 6,601 |
| Loan and lease loss provision to assets | 0.0796% | 3,465 |
| Net operating income to assets | 0.3969% | 5,230 |
| Return on assets (ROA) | 0.3969% | 5,392 |
| Pretax return on assets | 0.6551% | 4,829 |
| Return on Equity (ROE) | 5.2346% | 4,597 |
| Retained earnings to average equity (ytd only) | 5.2346% | 2,898 |
| Net charge-offs to loans | 0.2032% | 2,537 |
| Credit loss provision to net charge-offs | 106.8493% | 2,074 |
| Earnings coverage of net charge-offs (x) | 9.8630% | 2,224 |
| Efficiency ratio | 68.3238% | 4,123 |
| Assets per employee ($millions) | 9.4768% | 253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6237% | 6,584 |
| Loan loss allowance to noncurrent loans | 11.1111% | 6,411 |
| Noncurrent assets plus other real estate owned to assets | 2.1215% | 2,034 |
| Noncurrent loans to loans | 5.6129% | 540 |
| Net loans and leases to total assets | 35.3902% | 6,340 |
| Net loans and leases to deposits | 71.8867% | 3,464 |
| Net loans and leases to core deposits | 72.6557% | 3,965 |
| Total domestic deposits to total assets | 49.2305% | 6,878 |
| Equity capital to assets | 7.5709% | 6,417 |
| Core capital (leverage) ratio | 7.6035% | 6,413 |
| Tier 1 risk-based capital ratio | 19.3559% | 1,890 |
| Total risk-based capital ratio | 19.9190% | 2,057 |
| Memoranda: | ||
| Average total assets | $196,014,670 | 3,115 |
| Average earning assets | $187,396,670 | 3,027 |
| Average equity | $14,862,670 | 3,974 |
| Average total loans | $71,847,670 | 4,245 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4238% | 5,889 |
| Cost of funding earning assets | 1.0495% | 477 |
| Net interest margin | 2.3743% | 6,623 |
| Noninterest income to average assets | 0.0391% | 6,764 |
| Noninterest expense to average assets | 1.6431% | 6,630 |
| Loan and lease loss provision to assets | 0.0699% | 3,466 |
| Net operating income to assets | 0.3619% | 5,299 |
| Return on assets (ROA) | 0.3619% | 5,435 |
| Pretax return on assets | 0.5964% | 4,960 |
| Return on Equity (ROE) | 4.7695% | 4,700 |
| Retained earnings to average equity (ytd only) | 4.7695% | 3,376 |
| Net charge-offs to loans | 0.2101% | 2,160 |
| Credit loss provision to net charge-offs | 89.4737% | 2,033 |
| Earnings coverage of net charge-offs (x) | 8.5263% | 1,936 |
| Efficiency ratio | 71.1487% | 3,766 |
| Assets per employee ($millions) | 9.9753% | 230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6012% | 6,705 |
| Loan loss allowance to noncurrent loans | 9.6976% | 6,494 |
| Noncurrent assets plus other real estate owned to assets | 2.2841% | 2,039 |
| Noncurrent loans to loans | 6.1997% | 529 |
| Net loans and leases to total assets | 35.8821% | 6,302 |
| Net loans and leases to deposits | 74.9288% | 2,786 |
| Net loans and leases to core deposits | 75.7518% | 3,356 |
| Total domestic deposits to total assets | 47.8883% | 6,954 |
| Equity capital to assets | 7.4479% | 6,607 |
| Core capital (leverage) ratio | 7.7335% | 6,333 |
| Tier 1 risk-based capital ratio | 19.0831% | 2,021 |
| Total risk-based capital ratio | 19.6344% | 2,201 |
| Memoranda: | ||
| Average total assets | $194,515,500 | 3,166 |
| Average earning assets | $185,994,500 | 3,072 |
| Average equity | $14,760,500 | 4,044 |
| Average total loans | $72,335,000 | 4,256 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8738% | 5,654 |
| Cost of funding earning assets | 1.3539% | 300 |
| Net interest margin | 2.5199% | 6,703 |
| Noninterest income to average assets | 0.0518% | 6,681 |
| Noninterest expense to average assets | 1.6348% | 6,774 |
| Loan and lease loss provision to assets | 0.1428% | 3,821 |
| Net operating income to assets | 0.3785% | 5,188 |
| Return on assets (ROA) | 0.3734% | 5,439 |
| Pretax return on assets | 0.6781% | 4,739 |
| Return on Equity (ROE) | 4.8943% | 4,727 |
| Retained earnings to average equity (ytd only) | 4.8943% | 2,770 |
| Net charge-offs to loans | 0.2481% | 3,453 |
| Credit loss provision to net charge-offs | 150.8380% | 1,808 |
| Earnings coverage of net charge-offs (x) | 8.7542% | 2,360 |
| Efficiency ratio | 66.3590% | 4,435 |
| Assets per employee ($millions) | 9.0250% | 322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6015% | 6,754 |
| Loan loss allowance to noncurrent loans | 10.2007% | 6,547 |
| Noncurrent assets plus other real estate owned to assets | 2.3089% | 2,130 |
| Noncurrent loans to loans | 5.8968% | 610 |
| Net loans and leases to total assets | 38.1021% | 6,296 |
| Net loans and leases to deposits | 73.9039% | 3,099 |
| Net loans and leases to core deposits | 75.2101% | 3,632 |
| Total domestic deposits to total assets | 51.5563% | 7,010 |
| Equity capital to assets | 7.7362% | 6,530 |
| Core capital (leverage) ratio | 7.7445% | 6,378 |
| Tier 1 risk-based capital ratio | 19.1586% | 1,916 |
| Total risk-based capital ratio | 19.7224% | 2,078 |
| Memoranda: | ||
| Average total assets | $189,071,200 | 3,191 |
| Average earning assets | $180,957,000 | 3,072 |
| Average equity | $14,425,000 | 4,081 |
| Average total loans | $72,141,000 | 4,271 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9729% | 5,593 |
| Cost of funding earning assets | 1.3953% | 296 |
| Net interest margin | 2.5776% | 6,778 |
| Noninterest income to average assets | 0.0579% | 6,776 |
| Noninterest expense to average assets | 1.6307% | 6,851 |
| Loan and lease loss provision to assets | 0.1947% | 3,142 |
| Net operating income to assets | 0.4212% | 5,159 |
| Return on assets (ROA) | 0.4212% | 5,398 |
| Pretax return on assets | 0.7000% | 4,861 |
| Return on Equity (ROE) | 5.5408% | 4,582 |
| Retained earnings to average equity (ytd only) | 5.5408% | 3,012 |
| Net charge-offs to loans | 0.3314% | 2,804 |
| Credit loss provision to net charge-offs | 154.1899% | 1,828 |
| Earnings coverage of net charge-offs (x) | 7.0838% | 2,665 |
| Efficiency ratio | 64.5711% | 4,704 |
| Assets per employee ($millions) | 9.1794% | 307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6052% | 6,860 |
| Loan loss allowance to noncurrent loans | 10.3942% | 6,644 |
| Noncurrent assets plus other real estate owned to assets | 2.2587% | 2,362 |
| Noncurrent loans to loans | 5.8221% | 715 |
| Net loans and leases to total assets | 37.7454% | 6,428 |
| Net loans and leases to deposits | 71.8187% | 3,637 |
| Net loans and leases to core deposits | 73.0371% | 4,116 |
| Total domestic deposits to total assets | 52.5564% | 7,106 |
| Equity capital to assets | 7.6403% | 6,731 |
| Core capital (leverage) ratio | 7.6681% | 6,544 |
| Tier 1 risk-based capital ratio | 19.1706% | 1,955 |
| Total risk-based capital ratio | 19.7472% | 2,134 |
| Memoranda: | ||
| Average total assets | $188,957,750 | 3,219 |
| Average earning assets | $180,886,000 | 3,108 |
| Average equity | $14,365,750 | 4,130 |
| Average total loans | $72,013,750 | 4,323 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0765% | 5,400 |
| Cost of funding earning assets | 1.4423% | 297 |
| Net interest margin | 2.6342% | 6,794 |
| Noninterest income to average assets | 0.0448% | 6,878 |
| Noninterest expense to average assets | 1.6059% | 6,917 |
| Loan and lease loss provision to assets | 0.2238% | 2,844 |
| Net operating income to assets | 0.4539% | 5,022 |
| Return on assets (ROA) | 0.4539% | 5,257 |
| Pretax return on assets | 0.7374% | 4,714 |
| Return on Equity (ROE) | 5.9810% | 4,335 |
| Retained earnings to average equity (ytd only) | 5.9810% | 2,727 |
| Net charge-offs to loans | 0.4664% | 2,201 |
| Credit loss provision to net charge-offs | 125.7485% | 2,185 |
| Earnings coverage of net charge-offs (x) | 5.4012% | 2,847 |
| Efficiency ratio | 62.5571% | 5,157 |
| Assets per employee ($millions) | 9.1054% | 305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5400% | 6,989 |
| Loan loss allowance to noncurrent loans | 10.7015% | 6,695 |
| Noncurrent assets plus other real estate owned to assets | 1.9491% | 2,846 |
| Noncurrent loans to loans | 5.0462% | 967 |
| Net loans and leases to total assets | 37.4687% | 6,518 |
| Net loans and leases to deposits | 68.9524% | 4,045 |
| Net loans and leases to core deposits | 69.9167% | 4,538 |
| Total domestic deposits to total assets | 54.3399% | 7,165 |
| Equity capital to assets | 7.5633% | 6,777 |
| Core capital (leverage) ratio | 7.7534% | 6,480 |
| Tier 1 risk-based capital ratio | 19.0449% | 1,956 |
| Total risk-based capital ratio | 19.5555% | 2,161 |
| Memoranda: | ||
| Average total assets | $187,687,670 | 3,243 |
| Average earning assets | $179,715,000 | 3,135 |
| Average equity | $14,245,000 | 4,150 |
| Average total loans | $71,617,000 | 4,368 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1522% | 5,270 |
| Cost of funding earning assets | 1.5136% | 270 |
| Net interest margin | 2.6386% | 6,849 |
| Noninterest income to average assets | 0.0602% | 6,897 |
| Noninterest expense to average assets | 1.5942% | 6,979 |
| Loan and lease loss provision to assets | 0.1312% | 3,706 |
| Net operating income to assets | 0.5292% | 4,692 |
| Return on assets (ROA) | 0.5292% | 4,904 |
| Pretax return on assets | 0.8627% | 4,183 |
| Return on Equity (ROE) | 6.9607% | 3,807 |
| Retained earnings to average equity (ytd only) | 6.9607% | 2,455 |
| Net charge-offs to loans | 0.3417% | 2,282 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 7.5738% | 2,062 |
| Efficiency ratio | 61.5960% | 5,353 |
| Assets per employee ($millions) | 9.0000% | 323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4842% | 7,077 |
| Loan loss allowance to noncurrent loans | 10.0845% | 6,750 |
| Noncurrent assets plus other real estate owned to assets | 1.8688% | 3,093 |
| Noncurrent loans to loans | 4.8012% | 1,182 |
| Net loans and leases to total assets | 37.6270% | 6,518 |
| Net loans and leases to deposits | 67.1949% | 4,193 |
| Net loans and leases to core deposits | 68.1126% | 4,664 |
| Total domestic deposits to total assets | 55.9968% | 7,223 |
| Equity capital to assets | 7.5333% | 6,768 |
| Core capital (leverage) ratio | 7.7226% | 6,466 |
| Tier 1 risk-based capital ratio | 19.0186% | 1,984 |
| Total risk-based capital ratio | 19.4782% | 2,193 |
| Memoranda: | ||
| Average total assets | $185,925,000 | 3,283 |
| Average earning assets | $178,123,000 | 3,170 |
| Average equity | $14,136,500 | 4,177 |
| Average total loans | $71,408,500 | 4,403 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4654% | 5,199 |
| Cost of funding earning assets | 1.6925% | 331 |
| Net interest margin | 2.7729% | 6,849 |
| Noninterest income to average assets | 0.0034% | 6,973 |
| Noninterest expense to average assets | 1.8566% | 6,883 |
| Loan and lease loss provision to assets | 0.0687% | 5,751 |
| Net operating income to assets | 0.4457% | 4,667 |
| Return on assets (ROA) | 0.4457% | 4,871 |
| Pretax return on assets | 0.7229% | 4,244 |
| Return on Equity (ROE) | 5.7511% | 4,002 |
| Retained earnings to average equity (ytd only) | 5.7511% | 2,151 |
| Net charge-offs to loans | 0.0841% | 5,483 |
| Credit loss provision to net charge-offs | 203.3898% | 1,222 |
| Earnings coverage of net charge-offs (x) | 23.4237% | 1,027 |
| Efficiency ratio | 70.1060% | 3,930 |
| Assets per employee ($millions) | 9.6237% | 265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4849% | 7,114 |
| Loan loss allowance to noncurrent loans | 9.8772% | 6,821 |
| Noncurrent assets plus other real estate owned to assets | 1.9158% | 3,086 |
| Noncurrent loans to loans | 4.9092% | 1,162 |
| Net loans and leases to total assets | 38.8351% | 6,609 |
| Net loans and leases to deposits | 68.6804% | 4,334 |
| Net loans and leases to core deposits | 69.6368% | 4,830 |
| Total domestic deposits to total assets | 56.5447% | 7,261 |
| Equity capital to assets | 7.6757% | 6,735 |
| Core capital (leverage) ratio | 7.7644% | 6,476 |
| Tier 1 risk-based capital ratio | 19.0220% | 1,882 |
| Total risk-based capital ratio | 19.4895% | 2,088 |
| Memoranda: | ||
| Average total assets | $174,569,400 | 3,421 |
| Average earning assets | $166,502,400 | 3,302 |
| Average equity | $13,527,800 | 4,235 |
| Average total loans | $70,171,800 | 4,484 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5060% | 5,241 |
| Cost of funding earning assets | 1.7248% | 356 |
| Net interest margin | 2.7812% | 6,906 |
| Noninterest income to average assets | 0.0271% | 7,024 |
| Noninterest expense to average assets | 1.9091% | 6,837 |
| Loan and lease loss provision to assets | 0.0765% | 5,489 |
| Net operating income to assets | 0.4259% | 4,874 |
| Return on assets (ROA) | 0.4259% | 5,070 |
| Pretax return on assets | 0.6910% | 4,513 |
| Return on Equity (ROE) | 5.4821% | 4,295 |
| Retained earnings to average equity (ytd only) | 5.4821% | 2,869 |
| Net charge-offs to loans | 0.0725% | 5,234 |
| Credit loss provision to net charge-offs | 260.5263% | 1,097 |
| Earnings coverage of net charge-offs (x) | 26.1293% | 1,027 |
| Efficiency ratio | 71.3254% | 3,686 |
| Assets per employee ($millions) | 8.2151% | 434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4826% | 7,173 |
| Loan loss allowance to noncurrent loans | 9.9511% | 6,899 |
| Noncurrent assets plus other real estate owned to assets | 2.0290% | 3,109 |
| Noncurrent loans to loans | 4.8501% | 1,311 |
| Net loans and leases to total assets | 39.4743% | 6,672 |
| Net loans and leases to deposits | 72.6041% | 3,871 |
| Net loans and leases to core deposits | 73.6634% | 4,509 |
| Total domestic deposits to total assets | 54.3692% | 7,341 |
| Equity capital to assets | 7.6295% | 6,880 |
| Core capital (leverage) ratio | 7.7352% | 6,607 |
| Tier 1 risk-based capital ratio | 18.6115% | 2,057 |
| Total risk-based capital ratio | 19.0787% | 2,288 |
| Memoranda: | ||
| Average total assets | $172,499,250 | 3,477 |
| Average earning assets | $164,339,750 | 3,349 |
| Average equity | $13,401,000 | 4,268 |
| Average total loans | $69,875,750 | 4,532 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5068% | 5,331 |
| Cost of funding earning assets | 1.7529% | 381 |
| Net interest margin | 2.7539% | 6,972 |
| Noninterest income to average assets | 0.0613% | 7,000 |
| Noninterest expense to average assets | 2.0194% | 6,750 |
| Loan and lease loss provision to assets | 0.0648% | 5,496 |
| Net operating income to assets | 0.3676% | 5,095 |
| Return on assets (ROA) | 0.3676% | 5,236 |
| Pretax return on assets | 0.5962% | 4,749 |
| Return on Equity (ROE) | 4.7017% | 4,588 |
| Retained earnings to average equity (ytd only) | 4.7017% | 3,191 |
| Net charge-offs to loans | 0.0982% | 4,698 |
| Credit loss provision to net charge-offs | 161.7647% | 1,874 |
| Earnings coverage of net charge-offs (x) | 16.5000% | 1,338 |
| Efficiency ratio | 75.3407% | 3,128 |
| Assets per employee ($millions) | 7.7311% | 504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4412% | 7,265 |
| Loan loss allowance to noncurrent loans | 9.7244% | 6,949 |
| Noncurrent assets plus other real estate owned to assets | 1.9127% | 3,359 |
| Noncurrent loans to loans | 4.5371% | 1,452 |
| Net loans and leases to total assets | 38.9590% | 6,805 |
| Net loans and leases to deposits | 71.0637% | 4,279 |
| Net loans and leases to core deposits | 72.2948% | 4,779 |
| Total domestic deposits to total assets | 54.8227% | 7,409 |
| Equity capital to assets | 7.5545% | 6,921 |
| Core capital (leverage) ratio | 7.7209% | 6,567 |
| Tier 1 risk-based capital ratio | 18.6079% | 1,962 |
| Total risk-based capital ratio | 19.0319% | 2,201 |
| Memoranda: | ||
| Average total assets | $169,754,670 | 3,541 |
| Average earning assets | $161,445,670 | 3,420 |
| Average equity | $13,271,670 | 4,280 |
| Average total loans | $69,271,330 | 4,605 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5176% | 5,275 |
| Cost of funding earning assets | 1.7800% | 407 |
| Net interest margin | 2.7375% | 6,980 |
| Noninterest income to average assets | 0.0628% | 7,081 |
| Noninterest expense to average assets | 1.9526% | 6,901 |
| Loan and lease loss provision to assets | 0.1134% | 4,599 |
| Net operating income to assets | 0.3596% | 5,128 |
| Return on assets (ROA) | 0.3596% | 5,211 |
| Pretax return on assets | 0.5913% | 4,717 |
| Return on Equity (ROE) | 4.5182% | 4,643 |
| Retained earnings to average equity (ytd only) | 4.5182% | 3,462 |
| Net charge-offs to loans | 0.1678% | 3,470 |
| Credit loss provision to net charge-offs | 162.0690% | 1,784 |
| Earnings coverage of net charge-offs (x) | 10.0690% | 1,665 |
| Efficiency ratio | 73.4787% | 3,611 |
| Assets per employee ($millions) | 7.8023% | 508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4383% | 7,325 |
| Loan loss allowance to noncurrent loans | 10.6615% | 7,003 |
| Noncurrent assets plus other real estate owned to assets | 1.7978% | 3,576 |
| Noncurrent loans to loans | 4.1112% | 1,749 |
| Net loans and leases to total assets | 40.0959% | 6,771 |
| Net loans and leases to deposits | 73.6971% | 3,807 |
| Net loans and leases to core deposits | 75.0243% | 4,424 |
| Total domestic deposits to total assets | 54.4063% | 7,471 |
| Equity capital to assets | 7.7238% | 6,730 |
| Core capital (leverage) ratio | 8.0437% | 6,198 |
| Tier 1 risk-based capital ratio | 18.9922% | 1,804 |
| Total risk-based capital ratio | 19.4235% | 2,027 |
| Memoranda: | ||
| Average total assets | $165,724,500 | 3,624 |
| Average earning assets | $157,076,000 | 3,518 |
| Average equity | $13,191,000 | 4,296 |
| Average total loans | $69,116,000 | 4,647 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9929% | 4,596 |
| Cost of funding earning assets | 2.0314% | 538 |
| Net interest margin | 2.9615% | 6,803 |
| Noninterest income to average assets | 0.0135% | 7,235 |
| Noninterest expense to average assets | 1.9166% | 7,133 |
| Loan and lease loss provision to assets | 0.1474% | 5,716 |
| Net operating income to assets | 0.4771% | 4,204 |
| Return on assets (ROA) | 0.4771% | 4,363 |
| Pretax return on assets | 0.7211% | 3,899 |
| Return on Equity (ROE) | 5.8265% | 3,684 |
| Retained earnings to average equity (ytd only) | 5.8265% | 1,921 |
| Net charge-offs to loans | 0.2804% | 4,620 |
| Credit loss provision to net charge-offs | 113.9303% | 3,813 |
| Earnings coverage of net charge-offs (x) | 6.7114% | 2,297 |
| Efficiency ratio | 68.8165% | 4,401 |
| Assets per employee ($millions) | 6.6583% | 881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4124% | 7,418 |
| Loan loss allowance to noncurrent loans | 11.2072% | 7,073 |
| Noncurrent assets plus other real estate owned to assets | 1.7441% | 3,686 |
| Noncurrent loans to loans | 3.6800% | 2,023 |
| Net loans and leases to total assets | 43.0662% | 6,783 |
| Net loans and leases to deposits | 82.8945% | 2,646 |
| Net loans and leases to core deposits | 83.6603% | 3,640 |
| Total domestic deposits to total assets | 51.9531% | 7,559 |
| Equity capital to assets | 8.2129% | 6,243 |
| Core capital (leverage) ratio | 8.3831% | 5,571 |
| Tier 1 risk-based capital ratio | 19.6628% | 1,563 |
| Total risk-based capital ratio | 20.0873% | 1,727 |
| Memoranda: | ||
| Average total assets | $155,326,200 | 3,786 |
| Average earning assets | $145,365,200 | 3,722 |
| Average equity | $12,717,800 | 4,424 |
| Average total loans | $71,677,200 | 4,617 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0980% | 4,324 |
| Cost of funding earning assets | 2.0945% | 544 |
| Net interest margin | 3.0035% | 6,823 |
| Noninterest income to average assets | -0.0043% | 7,457 |
| Noninterest expense to average assets | 1.9341% | 7,160 |
| Loan and lease loss provision to assets | 0.1971% | 5,066 |
| Net operating income to assets | 0.4098% | 4,709 |
| Return on assets (ROA) | 0.4098% | 4,884 |
| Pretax return on assets | 0.6727% | 4,334 |
| Return on Equity (ROE) | 5.0093% | 4,282 |
| Retained earnings to average equity (ytd only) | 5.0093% | 2,983 |
| Net charge-offs to loans | 0.3706% | 3,828 |
| Credit loss provision to net charge-offs | 113.4328% | 3,696 |
| Earnings coverage of net charge-offs (x) | 5.0050% | 2,874 |
| Efficiency ratio | 68.9793% | 4,270 |
| Assets per employee ($millions) | 6.4960% | 968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4088% | 7,528 |
| Loan loss allowance to noncurrent loans | 12.4945% | 7,134 |
| Noncurrent assets plus other real estate owned to assets | 1.6144% | 4,028 |
| Noncurrent loans to loans | 3.2714% | 2,423 |
| Net loans and leases to total assets | 44.3834% | 6,811 |
| Net loans and leases to deposits | 79.9769% | 3,455 |
| Net loans and leases to core deposits | 82.7090% | 4,128 |
| Total domestic deposits to total assets | 55.4953% | 7,644 |
| Equity capital to assets | 8.3115% | 6,490 |
| Core capital (leverage) ratio | 8.2583% | 5,948 |
| Tier 1 risk-based capital ratio | 19.3635% | 1,669 |
| Total risk-based capital ratio | 19.7902% | 1,831 |
| Memoranda: | ||
| Average total assets | $154,208,250 | 3,857 |
| Average earning assets | $144,183,250 | 3,788 |
| Average equity | $12,616,250 | 4,524 |
| Average total loans | $72,320,500 | 4,664 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1348% | 4,277 |
| Cost of funding earning assets | 2.1646% | 516 |
| Net interest margin | 2.9701% | 6,898 |
| Noninterest income to average assets | 0.0052% | 7,510 |
| Noninterest expense to average assets | 1.9070% | 7,256 |
| Loan and lease loss provision to assets | 0.2434% | 4,485 |
| Net operating income to assets | 0.3866% | 4,812 |
| Return on assets (ROA) | 0.3866% | 4,977 |
| Pretax return on assets | 0.6339% | 4,456 |
| Return on Equity (ROE) | 4.7511% | 4,408 |
| Retained earnings to average equity (ytd only) | 4.7511% | 3,045 |
| Net charge-offs to loans | 0.3958% | 3,392 |
| Credit loss provision to net charge-offs | 128.9655% | 3,118 |
| Earnings coverage of net charge-offs (x) | 4.6483% | 2,891 |
| Efficiency ratio | 68.4899% | 4,480 |
| Assets per employee ($millions) | 6.2879% | 1,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4114% | 7,592 |
| Loan loss allowance to noncurrent loans | 13.1083% | 7,188 |
| Noncurrent assets plus other real estate owned to assets | 1.6298% | 3,997 |
| Noncurrent loans to loans | 3.1386% | 2,554 |
| Net loans and leases to total assets | 46.0416% | 6,777 |
| Net loans and leases to deposits | 80.8111% | 3,464 |
| Net loans and leases to core deposits | 84.0077% | 4,141 |
| Total domestic deposits to total assets | 56.9744% | 7,701 |
| Equity capital to assets | 8.0873% | 6,666 |
| Core capital (leverage) ratio | 8.0190% | 6,251 |
| Tier 1 risk-based capital ratio | 18.7417% | 1,779 |
| Total risk-based capital ratio | 19.1820% | 1,944 |
| Memoranda: | ||
| Average total assets | $153,642,670 | 3,891 |
| Average earning assets | $143,765,000 | 3,822 |
| Average equity | $12,502,330 | 4,548 |
| Average total loans | $73,267,330 | 4,667 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2018% | 4,004 |
| Cost of funding earning assets | 2.2076% | 577 |
| Net interest margin | 2.9942% | 6,839 |
| Noninterest income to average assets | -0.0369% | 7,719 |
| Noninterest expense to average assets | 1.8832% | 7,355 |
| Loan and lease loss provision to assets | 0.1554% | 4,977 |
| Net operating income to assets | 0.4451% | 4,635 |
| Return on assets (ROA) | 0.4451% | 4,767 |
| Pretax return on assets | 0.7217% | 4,161 |
| Return on Equity (ROE) | 5.4529% | 4,127 |
| Retained earnings to average equity (ytd only) | 5.4529% | 2,898 |
| Net charge-offs to loans | 0.2447% | 3,480 |
| Credit loss provision to net charge-offs | 131.1111% | 2,691 |
| Earnings coverage of net charge-offs (x) | 7.4000% | 2,094 |
| Efficiency ratio | 68.2252% | 4,682 |
| Assets per employee ($millions) | 6.7909% | 871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3727% | 7,709 |
| Loan loss allowance to noncurrent loans | 10.6483% | 7,322 |
| Noncurrent assets plus other real estate owned to assets | 1.8093% | 3,772 |
| Noncurrent loans to loans | 3.5001% | 2,277 |
| Net loans and leases to total assets | 46.3804% | 6,808 |
| Net loans and leases to deposits | 84.4214% | 2,866 |
| Net loans and leases to core deposits | 87.8969% | 3,635 |
| Total domestic deposits to total assets | 54.9391% | 7,808 |
| Equity capital to assets | 8.0306% | 6,618 |
| Core capital (leverage) ratio | 8.1982% | 5,908 |
| Tier 1 risk-based capital ratio | 18.4944% | 1,836 |
| Total risk-based capital ratio | 18.8929% | 2,013 |
| Memoranda: | ||
| Average total assets | $151,865,500 | 3,982 |
| Average earning assets | $141,873,000 | 3,926 |
| Average equity | $12,397,000 | 4,619 |
| Average total loans | $73,563,500 | 4,732 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3815% | 4,779 |
| Cost of funding earning assets | 2.5200% | 982 |
| Net interest margin | 2.8615% | 6,937 |
| Noninterest income to average assets | 0.0796% | 7,354 |
| Noninterest expense to average assets | 2.0058% | 7,363 |
| Loan and lease loss provision to assets | 0.1544% | 6,128 |
| Net operating income to assets | 0.3998% | 4,130 |
| Return on assets (ROA) | 0.4052% | 4,214 |
| Pretax return on assets | 0.6441% | 3,766 |
| Return on Equity (ROE) | 4.9030% | 3,707 |
| Retained earnings to average equity (ytd only) | 4.9030% | 1,867 |
| Net charge-offs to loans | 0.3530% | 4,466 |
| Credit loss provision to net charge-offs | 83.3962% | 6,209 |
| Earnings coverage of net charge-offs (x) | 4.2679% | 3,005 |
| Efficiency ratio | 71.7391% | 4,311 |
| Assets per employee ($millions) | 7.0257% | 785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3454% | 7,796 |
| Loan loss allowance to noncurrent loans | 16.2968% | 7,204 |
| Noncurrent assets plus other real estate owned to assets | 1.2891% | 4,505 |
| Noncurrent loans to loans | 2.1192% | 3,493 |
| Net loans and leases to total assets | 50.2623% | 6,613 |
| Net loans and leases to deposits | 90.6920% | 2,105 |
| Net loans and leases to core deposits | 111.4858% | 2,751 |
| Total domestic deposits to total assets | 55.4209% | 7,862 |
| Equity capital to assets | 8.3035% | 6,191 |
| Core capital (leverage) ratio | 8.2986% | 5,622 |
| Tier 1 risk-based capital ratio | 18.5395% | 1,744 |
| Total risk-based capital ratio | 18.9268% | 1,934 |
| Memoranda: | ||
| Average total assets | $143,135,400 | 4,056 |
| Average earning assets | $135,873,600 | 3,978 |
| Average equity | $11,829,400 | 4,791 |
| Average total loans | $75,072,600 | 4,682 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3752% | 5,066 |
| Cost of funding earning assets | 2.5951% | 1,044 |
| Net interest margin | 2.7801% | 7,088 |
| Noninterest income to average assets | 0.0742% | 7,537 |
| Noninterest expense to average assets | 2.0483% | 7,288 |
| Loan and lease loss provision to assets | 0.1136% | 6,233 |
| Net operating income to assets | 0.3533% | 4,583 |
| Return on assets (ROA) | 0.3605% | 4,653 |
| Pretax return on assets | 0.5623% | 4,324 |
| Return on Equity (ROE) | 4.3670% | 4,222 |
| Retained earnings to average equity (ytd only) | 4.3670% | 2,832 |
| Net charge-offs to loans | 0.3278% | 3,999 |
| Credit loss provision to net charge-offs | 65.4054% | 6,072 |
| Earnings coverage of net charge-offs (x) | 3.8270% | 3,371 |
| Efficiency ratio | 75.5017% | 3,588 |
| Assets per employee ($millions) | 6.7294% | 883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3170% | 7,897 |
| Loan loss allowance to noncurrent loans | 14.2771% | 7,355 |
| Noncurrent assets plus other real estate owned to assets | 1.1213% | 4,834 |
| Noncurrent loans to loans | 2.2203% | 3,355 |
| Net loans and leases to total assets | 50.3408% | 6,754 |
| Net loans and leases to deposits | 89.6707% | 2,634 |
| Net loans and leases to core deposits | 108.5686% | 3,404 |
| Total domestic deposits to total assets | 56.1396% | 7,923 |
| Equity capital to assets | 8.1575% | 6,685 |
| Core capital (leverage) ratio | 8.1680% | 6,071 |
| Tier 1 risk-based capital ratio | 18.1835% | 1,939 |
| Total risk-based capital ratio | 18.5394% | 2,135 |
| Memoranda: | ||
| Average total assets | $142,034,250 | 4,096 |
| Average earning assets | $134,813,000 | 4,027 |
| Average equity | $11,724,000 | 4,861 |
| Average total loans | $75,237,250 | 4,727 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3487% | 5,403 |
| Cost of funding earning assets | 2.6631% | 1,132 |
| Net interest margin | 2.6856% | 7,234 |
| Noninterest income to average assets | 0.0714% | 7,628 |
| Noninterest expense to average assets | 2.0881% | 7,299 |
| Loan and lease loss provision to assets | 0.0943% | 6,225 |
| Net operating income to assets | 0.2999% | 4,899 |
| Return on assets (ROA) | 0.3114% | 4,959 |
| Pretax return on assets | 0.4656% | 4,732 |
| Return on Equity (ROE) | 3.7566% | 4,597 |
| Retained earnings to average equity (ytd only) | 3.7566% | 3,206 |
| Net charge-offs to loans | 0.3953% | 3,223 |
| Credit loss provision to net charge-offs | 44.2953% | 5,841 |
| Earnings coverage of net charge-offs (x) | 2.5503% | 3,791 |
| Efficiency ratio | 79.3702% | 3,140 |
| Assets per employee ($millions) | 6.3692% | 1,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2879% | 7,997 |
| Loan loss allowance to noncurrent loans | 11.7267% | 7,465 |
| Noncurrent assets plus other real estate owned to assets | 1.2690% | 4,399 |
| Noncurrent loans to loans | 2.4553% | 2,942 |
| Net loans and leases to total assets | 51.5352% | 6,737 |
| Net loans and leases to deposits | 94.9623% | 1,960 |
| Net loans and leases to core deposits | 113.8808% | 2,920 |
| Total domestic deposits to total assets | 54.2692% | 8,025 |
| Equity capital to assets | 8.0284% | 6,717 |
| Core capital (leverage) ratio | 8.3587% | 5,697 |
| Tier 1 risk-based capital ratio | 17.8944% | 2,051 |
| Total risk-based capital ratio | 18.2253% | 2,263 |
| Memoranda: | ||
| Average total assets | $140,030,000 | 4,174 |
| Average earning assets | $133,452,670 | 4,076 |
| Average equity | $11,606,330 | 4,920 |
| Average total loans | $75,394,670 | 4,759 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4424% | 5,219 |
| Cost of funding earning assets | 2.8302% | 910 |
| Net interest margin | 2.6123% | 7,353 |
| Noninterest income to average assets | 0.0673% | 7,730 |
| Noninterest expense to average assets | 1.8977% | 7,547 |
| Loan and lease loss provision to assets | 0.1170% | 5,473 |
| Net operating income to assets | 0.3523% | 5,058 |
| Return on assets (ROA) | 0.3713% | 5,155 |
| Pretax return on assets | 0.5702% | 4,845 |
| Return on Equity (ROE) | 4.4063% | 4,746 |
| Retained earnings to average equity (ytd only) | 4.4063% | 3,466 |
| Net charge-offs to loans | 0.7922% | 1,629 |
| Credit loss provision to net charge-offs | 26.8456% | 4,988 |
| Earnings coverage of net charge-offs (x) | 1.5101% | 3,979 |
| Efficiency ratio | 74.2563% | 3,781 |
| Assets per employee ($millions) | 6.5390% | 946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2537% | 8,068 |
| Loan loss allowance to noncurrent loans | 18.9911% | 7,221 |
| Noncurrent assets plus other real estate owned to assets | 0.7362% | 5,324 |
| Noncurrent loans to loans | 1.3358% | 4,311 |
| Net loans and leases to total assets | 54.9778% | 6,357 |
| Net loans and leases to deposits | 97.9259% | 1,677 |
| Net loans and leases to core deposits | 119.0641% | 2,501 |
| Total domestic deposits to total assets | 56.1423% | 8,042 |
| Equity capital to assets | 8.4781% | 6,111 |
| Core capital (leverage) ratio | 8.5791% | 5,378 |
| Tier 1 risk-based capital ratio | 18.3677% | 1,966 |
| Total risk-based capital ratio | 18.6691% | 2,154 |
| Memoranda: | ||
| Average total assets | $136,799,000 | 4,257 |
| Average earning assets | $130,309,000 | 4,146 |
| Average equity | $11,529,000 | 4,970 |
| Average total loans | $75,235,500 | 4,798 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5856% | 7,118 |
| Cost of funding earning assets | 2.9661% | 2,001 |
| Net interest margin | 2.6196% | 7,621 |
| Noninterest income to average assets | 0.0986% | 7,636 |
| Noninterest expense to average assets | 1.9380% | 7,557 |
| Loan and lease loss provision to assets | 0.1119% | 5,939 |
| Net operating income to assets | 0.3370% | 5,410 |
| Return on assets (ROA) | 0.2320% | 5,576 |
| Pretax return on assets | 0.3778% | 5,320 |
| Return on Equity (ROE) | 2.6468% | 5,364 |
| Retained earnings to average equity (ytd only) | 2.6468% | 3,535 |
| Net charge-offs to loans | 0.0282% | 6,429 |
| Credit loss provision to net charge-offs | 642.8571% | 661 |
| Earnings coverage of net charge-offs (x) | 37.5714% | 983 |
| Efficiency ratio | 74.7762% | 3,446 |
| Assets per employee ($millions) | 7.1726% | 651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4025% | 7,971 |
| Loan loss allowance to noncurrent loans | 44.1349% | 5,805 |
| Noncurrent assets plus other real estate owned to assets | 0.5004% | 5,698 |
| Noncurrent loans to loans | 0.9120% | 4,797 |
| Net loans and leases to total assets | 54.6548% | 6,588 |
| Net loans and leases to deposits | 101.0419% | 1,700 |
| Net loans and leases to core deposits | 123.4757% | 2,362 |
| Total domestic deposits to total assets | 54.0912% | 8,086 |
| Equity capital to assets | 8.3769% | 6,302 |
| Core capital (leverage) ratio | 8.2943% | 5,961 |
| Tier 1 risk-based capital ratio | 18.0024% | 2,038 |
| Total risk-based capital ratio | 18.4739% | 2,199 |
| Memoranda: | ||
| Average total assets | $120,694,000 | 4,501 |
| Average earning assets | $114,865,800 | 4,392 |
| Average equity | $10,578,800 | 5,244 |
| Average total loans | $74,531,000 | 4,713 |