Home > Lincoln FSB of Nebraska > Performance and Condition Ratios
Lincoln FSB of Nebraska, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3410% | 3,373 |
| Cost of funding earning assets | 2.7103% | 242 |
| Net interest margin | 1.6307% | 4,490 |
| Noninterest income to average assets | 1.3700% | 435 |
| Noninterest expense to average assets | 3.0427% | 1,059 |
| Loan and lease loss provision to assets | -0.1300% | 4,536 |
| Net operating income to assets | 0.0545% | 4,285 |
| Return on assets (ROA) | 0.0613% | 4,308 |
| Pretax return on assets | -0.0128% | 4,362 |
| Return on Equity (ROE) | 0.6400% | 4,294 |
| Retained earnings to average equity (ytd only) | 0.6447% | 3,919 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 105.3763% | 140 |
| Assets per employee ($millions) | 4.5334% | 3,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3972% | 1,401 |
| Loan loss allowance to noncurrent loans | 84.5845% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 1.2418% | 344 |
| Noncurrent loans to loans | 1.6518% | 385 |
| Net loans and leases to total assets | 74.1300% | 1,344 |
| Net loans and leases to deposits | 100.4151% | 513 |
| Net loans and leases to core deposits | 109.2360% | 985 |
| Total domestic deposits to total assets | 73.8200% | 4,116 |
| Equity capital to assets | 9.6558% | 2,237 |
| Core capital (leverage) ratio | 11.9133% | 1,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0350% | 607 |
| Memoranda: | ||
| Average total assets | $373,615,400 | 2,102 |
| Average earning assets | $348,446,800 | 2,099 |
| Average equity | $35,520,200 | 2,034 |
| Average total loans | $277,304,400 | 1,885 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2979% | 3,296 |
| Cost of funding earning assets | 2.5124% | 272 |
| Net interest margin | 1.7855% | 4,482 |
| Noninterest income to average assets | 1.4700% | 394 |
| Noninterest expense to average assets | 3.1653% | 854 |
| Loan and lease loss provision to assets | -0.1800% | 4,583 |
| Net operating income to assets | 0.2076% | 4,221 |
| Return on assets (ROA) | 0.2191% | 4,222 |
| Pretax return on assets | 0.1567% | 4,294 |
| Return on Equity (ROE) | 2.3100% | 4,167 |
| Retained earnings to average equity (ytd only) | 2.3138% | 3,663 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 101.0880% | 164 |
| Assets per employee ($millions) | 4.0253% | 4,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4333% | 1,317 |
| Loan loss allowance to noncurrent loans | 736.6483% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.1466% | 2,594 |
| Noncurrent loans to loans | 0.1946% | 2,582 |
| Net loans and leases to total assets | 74.2800% | 1,310 |
| Net loans and leases to deposits | 95.2146% | 805 |
| Net loans and leases to core deposits | 103.6474% | 1,139 |
| Total domestic deposits to total assets | 78.0100% | 3,816 |
| Equity capital to assets | 9.2088% | 2,285 |
| Core capital (leverage) ratio | 12.0731% | 1,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8675% | 563 |
| Memoranda: | ||
| Average total assets | $371,817,250 | 2,116 |
| Average earning assets | $346,117,750 | 2,110 |
| Average equity | $35,207,750 | 2,037 |
| Average total loans | $275,031,000 | 1,897 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2163% | 3,264 |
| Cost of funding earning assets | 2.2909% | 282 |
| Net interest margin | 1.9253% | 4,515 |
| Noninterest income to average assets | 1.2900% | 401 |
| Noninterest expense to average assets | 3.1559% | 837 |
| Loan and lease loss provision to assets | -0.2700% | 4,623 |
| Net operating income to assets | 0.2718% | 4,201 |
| Return on assets (ROA) | 0.2890% | 4,197 |
| Pretax return on assets | 0.2041% | 4,314 |
| Return on Equity (ROE) | 3.0200% | 4,151 |
| Retained earnings to average equity (ytd only) | 3.0245% | 3,473 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 102.6559% | 147 |
| Assets per employee ($millions) | 4.0594% | 4,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4235% | 1,437 |
| Loan loss allowance to noncurrent loans | 720.7207% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.1470% | 2,519 |
| Noncurrent loans to loans | 0.1975% | 2,475 |
| Net loans and leases to total assets | 73.3700% | 1,360 |
| Net loans and leases to deposits | 95.2648% | 773 |
| Net loans and leases to core deposits | 103.9440% | 1,058 |
| Total domestic deposits to total assets | 77.0200% | 3,951 |
| Equity capital to assets | 9.5416% | 2,134 |
| Core capital (leverage) ratio | 12.1507% | 1,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7574% | 574 |
| Memoranda: | ||
| Average total assets | $372,313,333 | 2,114 |
| Average earning assets | $345,710,000 | 2,115 |
| Average equity | $35,576,000 | 2,039 |
| Average total loans | $273,684,000 | 1,897 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1220% | 3,210 |
| Cost of funding earning assets | 2.0966% | 237 |
| Net interest margin | 2.0254% | 4,556 |
| Noninterest income to average assets | 1.3500% | 372 |
| Noninterest expense to average assets | 3.4362% | 582 |
| Loan and lease loss provision to assets | -0.5400% | 4,661 |
| Net operating income to assets | 0.5334% | 3,826 |
| Return on assets (ROA) | 0.5680% | 3,721 |
| Pretax return on assets | 0.3635% | 4,186 |
| Return on Equity (ROE) | 5.9400% | 3,724 |
| Retained earnings to average equity (ytd only) | 5.9401% | 2,777 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 106.5772% | 118 |
| Assets per employee ($millions) | 4.0881% | 4,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4929% | 1,285 |
| Loan loss allowance to noncurrent loans | 709.2199% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.9923% | 413 |
| Noncurrent loans to loans | 0.2105% | 2,421 |
| Net loans and leases to total assets | 71.7300% | 1,454 |
| Net loans and leases to deposits | 91.4866% | 954 |
| Net loans and leases to core deposits | 99.8604% | 1,095 |
| Total domestic deposits to total assets | 78.4100% | 3,953 |
| Equity capital to assets | 9.9437% | 1,847 |
| Core capital (leverage) ratio | 11.8953% | 1,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5148% | 608 |
| Memoranda: | ||
| Average total assets | $369,707,000 | 2,158 |
| Average earning assets | $342,457,500 | 2,164 |
| Average equity | $35,353,000 | 2,070 |
| Average total loans | $270,030,000 | 1,927 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8516% | 2,129 |
| Cost of funding earning assets | 0.8665% | 289 |
| Net interest margin | 2.9851% | 3,488 |
| Noninterest income to average assets | 1.5200% | 339 |
| Noninterest expense to average assets | 3.4003% | 545 |
| Loan and lease loss provision to assets | -0.1400% | 4,590 |
| Net operating income to assets | 0.7990% | 3,332 |
| Return on assets (ROA) | 0.7617% | 3,389 |
| Pretax return on assets | 0.9774% | 3,138 |
| Return on Equity (ROE) | 7.0400% | 3,632 |
| Retained earnings to average equity (ytd only) | 7.0414% | 2,227 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 79.4438% | 761 |
| Assets per employee ($millions) | 4.0822% | 4,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6536% | 873 |
| Loan loss allowance to noncurrent loans | 99.6457% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 1.2157% | 315 |
| Noncurrent loans to loans | 1.6595% | 379 |
| Net loans and leases to total assets | 72.0400% | 1,417 |
| Net loans and leases to deposits | 97.4171% | 558 |
| Net loans and leases to core deposits | 105.7913% | 755 |
| Total domestic deposits to total assets | 73.9500% | 4,358 |
| Equity capital to assets | 9.1848% | 2,234 |
| Core capital (leverage) ratio | 11.7648% | 1,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2758% | 606 |
| Memoranda: | ||
| Average total assets | $345,292,800 | 2,240 |
| Average earning assets | $319,451,400 | 2,238 |
| Average equity | $37,350,400 | 2,023 |
| Average total loans | $240,744,400 | 1,995 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7559% | 1,874 |
| Cost of funding earning assets | 0.6798% | 295 |
| Net interest margin | 3.0762% | 3,001 |
| Noninterest income to average assets | 1.7800% | 302 |
| Noninterest expense to average assets | 3.4743% | 500 |
| Loan and lease loss provision to assets | -0.2000% | 4,678 |
| Net operating income to assets | 1.0461% | 2,295 |
| Return on assets (ROA) | 0.9954% | 2,464 |
| Pretax return on assets | 1.2816% | 2,101 |
| Return on Equity (ROE) | 8.8400% | 3,081 |
| Retained earnings to average equity (ytd only) | 8.8367% | 1,712 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.1490% | 1,159 |
| Assets per employee ($millions) | 3.8987% | 4,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7108% | 855 |
| Loan loss allowance to noncurrent loans | 766.6099% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.1619% | 2,482 |
| Noncurrent loans to loans | 0.2232% | 2,495 |
| Net loans and leases to total assets | 71.3100% | 1,362 |
| Net loans and leases to deposits | 94.2644% | 623 |
| Net loans and leases to core deposits | 100.9220% | 780 |
| Total domestic deposits to total assets | 75.6400% | 4,383 |
| Equity capital to assets | 9.3434% | 1,986 |
| Core capital (leverage) ratio | 11.8667% | 1,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4366% | 608 |
| Memoranda: | ||
| Average total assets | $338,745,500 | 2,277 |
| Average earning assets | $313,238,500 | 2,287 |
| Average equity | $38,158,000 | 2,019 |
| Average total loans | $232,897,250 | 2,039 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6107% | 1,809 |
| Cost of funding earning assets | 0.5627% | 362 |
| Net interest margin | 3.0479% | 2,727 |
| Noninterest income to average assets | 1.4522% | 349 |
| Noninterest expense to average assets | 3.5586% | 415 |
| Loan and lease loss provision to assets | -0.3023% | 4,723 |
| Net operating income to assets | 0.7804% | 3,027 |
| Return on assets (ROA) | 0.7025% | 3,255 |
| Pretax return on assets | 0.9135% | 3,015 |
| Return on Equity (ROE) | 5.8709% | 3,607 |
| Retained earnings to average equity (ytd only) | 5.8709% | 2,377 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3711% | 719 |
| Assets per employee ($millions) | 3.9228% | 4,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8403% | 755 |
| Loan loss allowance to noncurrent loans | 705.3292% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.2612% | 1,996 |
| Noncurrent loans to loans | 0.2609% | 2,437 |
| Net loans and leases to total assets | 68.7496% | 1,415 |
| Net loans and leases to deposits | 91.5832% | 629 |
| Net loans and leases to core deposits | 97.0629% | 791 |
| Total domestic deposits to total assets | 75.0679% | 4,502 |
| Equity capital to assets | 10.3197% | 1,524 |
| Core capital (leverage) ratio | 12.4709% | 982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5872% | 498 |
| Memoranda: | ||
| Average total assets | $330,802,000 | 2,323 |
| Average earning assets | $305,649,000 | 2,347 |
| Average equity | $39,585,000 | 2,019 |
| Average total loans | $222,850,000 | 2,093 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4584% | 1,924 |
| Cost of funding earning assets | 0.5131% | 465 |
| Net interest margin | 2.9453% | 2,689 |
| Noninterest income to average assets | 0.9576% | 744 |
| Noninterest expense to average assets | 3.6190% | 382 |
| Loan and lease loss provision to assets | -0.6218% | 4,772 |
| Net operating income to assets | 0.5198% | 3,654 |
| Return on assets (ROA) | 0.5198% | 3,621 |
| Pretax return on assets | 0.6803% | 3,446 |
| Return on Equity (ROE) | 4.0423% | 3,867 |
| Retained earnings to average equity (ytd only) | 4.0423% | 2,922 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4106% | 272 |
| Assets per employee ($millions) | 3.4823% | 4,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0755% | 546 |
| Loan loss allowance to noncurrent loans | 691.2442% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.2796% | 2,011 |
| Noncurrent loans to loans | 0.3003% | 2,387 |
| Net loans and leases to total assets | 64.1785% | 1,601 |
| Net loans and leases to deposits | 85.0348% | 803 |
| Net loans and leases to core deposits | 89.9041% | 928 |
| Total domestic deposits to total assets | 75.4732% | 4,523 |
| Equity capital to assets | 11.8322% | 1,009 |
| Core capital (leverage) ratio | 13.1795% | 739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1240% | 425 |
| Memoranda: | ||
| Average total assets | $321,639,000 | 2,387 |
| Average earning assets | $297,016,000 | 2,407 |
| Average equity | $41,363,000 | 1,999 |
| Average total loans | $212,013,000 | 2,159 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5526% | 2,509 |
| Cost of funding earning assets | 0.6689% | 375 |
| Net interest margin | 2.8837% | 3,486 |
| Noninterest income to average assets | 2.6790% | 213 |
| Noninterest expense to average assets | 3.7846% | 353 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2042% | 1,908 |
| Return on assets (ROA) | 1.3330% | 1,542 |
| Pretax return on assets | 1.7192% | 1,098 |
| Return on Equity (ROE) | 8.6580% | 3,031 |
| Retained earnings to average equity (ytd only) | -12.0253% | 4,783 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8622% | 1,637 |
| Assets per employee ($millions) | 3.2212% | 4,652 |
| Cash dividends to net income (ytd only)* | 238.8915% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4130% | 314 |
| Loan loss allowance to noncurrent loans | 632.9114% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.3405% | 1,866 |
| Noncurrent loans to loans | 0.3813% | 2,224 |
| Net loans and leases to total assets | 64.7161% | 1,620 |
| Net loans and leases to deposits | 87.8438% | 663 |
| Net loans and leases to core deposits | 92.2184% | 865 |
| Total domestic deposits to total assets | 73.6718% | 4,598 |
| Equity capital to assets | 13.9483% | 673 |
| Core capital (leverage) ratio | 13.1667% | 759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1045% | 393 |
| Memoranda: | ||
| Average total assets | $314,035,600 | 2,370 |
| Average earning assets | $289,871,600 | 2,378 |
| Average equity | $48,348,200 | 1,810 |
| Average total loans | $205,741,200 | 2,200 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5117% | 2,795 |
| Cost of funding earning assets | 0.7057% | 373 |
| Net interest margin | 2.8059% | 3,767 |
| Noninterest income to average assets | 2.9708% | 197 |
| Noninterest expense to average assets | 3.8011% | 341 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3581% | 1,661 |
| Return on assets (ROA) | 1.4947% | 1,329 |
| Pretax return on assets | 1.9306% | 899 |
| Return on Equity (ROE) | 9.4871% | 2,935 |
| Retained earnings to average equity (ytd only) | -17.4267% | 4,876 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3805% | 1,780 |
| Assets per employee ($millions) | 3.3161% | 4,693 |
| Cash dividends to net income (ytd only)* | 283.6879% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4047% | 332 |
| Loan loss allowance to noncurrent loans | 318.0662% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 0.5860% | 1,305 |
| Noncurrent loans to loans | 0.7560% | 1,488 |
| Net loans and leases to total assets | 64.4157% | 1,717 |
| Net loans and leases to deposits | 84.7858% | 905 |
| Net loans and leases to core deposits | 88.7295% | 1,113 |
| Total domestic deposits to total assets | 75.9746% | 4,541 |
| Equity capital to assets | 13.8133% | 778 |
| Core capital (leverage) ratio | 13.4520% | 743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8735% | 435 |
| Memoranda: | ||
| Average total assets | $314,429,500 | 2,393 |
| Average earning assets | $289,995,750 | 2,404 |
| Average equity | $49,539,500 | 1,792 |
| Average total loans | $205,373,500 | 2,236 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5034% | 2,882 |
| Cost of funding earning assets | 0.7424% | 378 |
| Net interest margin | 2.7611% | 3,875 |
| Noninterest income to average assets | 3.1633% | 174 |
| Noninterest expense to average assets | 4.0295% | 286 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2987% | 1,875 |
| Return on assets (ROA) | 1.4505% | 1,489 |
| Pretax return on assets | 1.8732% | 1,069 |
| Return on Equity (ROE) | 8.8424% | 3,155 |
| Retained earnings to average equity (ytd only) | 8.8424% | 1,760 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5640% | 1,573 |
| Assets per employee ($millions) | 3.4215% | 4,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4572% | 291 |
| Loan loss allowance to noncurrent loans | 390.0156% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.4838% | 1,734 |
| Noncurrent loans to loans | 0.6300% | 1,835 |
| Net loans and leases to total assets | 61.7124% | 2,209 |
| Net loans and leases to deposits | 84.5651% | 1,019 |
| Net loans and leases to core deposits | 88.8766% | 1,213 |
| Total domestic deposits to total assets | 72.9762% | 4,689 |
| Equity capital to assets | 16.4618% | 377 |
| Core capital (leverage) ratio | 15.7370% | 406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.3947% | 243 |
| Memoranda: | ||
| Average total assets | $314,229,667 | 2,388 |
| Average earning assets | $289,887,333 | 2,406 |
| Average equity | $51,547,333 | 1,730 |
| Average total loans | $204,522,000 | 2,250 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4803% | 2,981 |
| Cost of funding earning assets | 0.7912% | 371 |
| Net interest margin | 2.6891% | 3,991 |
| Noninterest income to average assets | 3.2602% | 183 |
| Noninterest expense to average assets | 4.2005% | 245 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1789% | 2,240 |
| Return on assets (ROA) | 1.4852% | 1,424 |
| Pretax return on assets | 1.9167% | 1,088 |
| Return on Equity (ROE) | 9.0701% | 3,009 |
| Retained earnings to average equity (ytd only) | 9.0701% | 1,932 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3138% | 1,369 |
| Assets per employee ($millions) | 3.3605% | 4,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4751% | 269 |
| Loan loss allowance to noncurrent loans | 381.6794% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.5068% | 1,870 |
| Noncurrent loans to loans | 0.6485% | 1,947 |
| Net loans and leases to total assets | 63.0380% | 2,164 |
| Net loans and leases to deposits | 84.9376% | 1,054 |
| Net loans and leases to core deposits | 88.7829% | 1,306 |
| Total domestic deposits to total assets | 74.2168% | 4,659 |
| Equity capital to assets | 16.1419% | 375 |
| Core capital (leverage) ratio | 15.9841% | 381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.0223% | 255 |
| Memoranda: | ||
| Average total assets | $310,532,500 | 2,391 |
| Average earning assets | $285,149,000 | 2,412 |
| Average equity | $50,848,500 | 1,740 |
| Average total loans | $205,042,000 | 2,244 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0068% | 2,699 |
| Cost of funding earning assets | 1.1537% | 331 |
| Net interest margin | 2.8531% | 4,184 |
| Noninterest income to average assets | 3.4873% | 157 |
| Noninterest expense to average assets | 3.9418% | 402 |
| Loan and lease loss provision to assets | 0.3083% | 1,214 |
| Net operating income to assets | 1.5029% | 802 |
| Return on assets (ROA) | 1.8501% | 376 |
| Pretax return on assets | 2.3233% | 249 |
| Return on Equity (ROE) | 12.6976% | 1,118 |
| Retained earnings to average equity (ytd only) | 12.6976% | 259 |
| Net charge-offs to loans | 0.0017% | 3,348 |
| Credit loss provision to net charge-offs | 25,100.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 1,789.0000% | 65 |
| Efficiency ratio | 64.2039% | 2,789 |
| Assets per employee ($millions) | 3.2477% | 4,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4030% | 295 |
| Loan loss allowance to noncurrent loans | 325.0975% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.5873% | 1,795 |
| Noncurrent loans to loans | 0.7392% | 1,856 |
| Net loans and leases to total assets | 65.8179% | 2,120 |
| Net loans and leases to deposits | 87.1965% | 1,159 |
| Net loans and leases to core deposits | 90.9886% | 1,456 |
| Total domestic deposits to total assets | 75.4823% | 4,541 |
| Equity capital to assets | 16.6104% | 372 |
| Core capital (leverage) ratio | 14.9327% | 516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6891% | 251 |
| Memoranda: | ||
| Average total assets | $325,612,200 | 2,158 |
| Average earning assets | $302,685,400 | 2,162 |
| Average equity | $47,442,200 | 1,777 |
| Average total loans | $233,924,000 | 2,006 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0473% | 2,834 |
| Cost of funding earning assets | 1.2281% | 332 |
| Net interest margin | 2.8192% | 4,310 |
| Noninterest income to average assets | 3.0729% | 176 |
| Noninterest expense to average assets | 3.5353% | 675 |
| Loan and lease loss provision to assets | 0.4059% | 859 |
| Net operating income to assets | 1.4182% | 1,066 |
| Return on assets (ROA) | 1.5294% | 931 |
| Pretax return on assets | 1.9012% | 631 |
| Return on Equity (ROE) | 10.8521% | 1,729 |
| Retained earnings to average equity (ytd only) | 10.8521% | 605 |
| Net charge-offs to loans | 0.0022% | 3,107 |
| Credit loss provision to net charge-offs | 25,100.0000% | 50 |
| Earnings coverage of net charge-offs (x) | 1,341.0000% | 88 |
| Efficiency ratio | 61.9871% | 3,081 |
| Assets per employee ($millions) | 3.9087% | 4,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0986% | 418 |
| Loan loss allowance to noncurrent loans | 377.9289% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.4591% | 2,346 |
| Noncurrent loans to loans | 0.5553% | 2,405 |
| Net loans and leases to total assets | 67.0503% | 2,381 |
| Net loans and leases to deposits | 96.9814% | 689 |
| Net loans and leases to core deposits | 100.7416% | 1,110 |
| Total domestic deposits to total assets | 69.1373% | 4,787 |
| Equity capital to assets | 14.2373% | 799 |
| Core capital (leverage) ratio | 13.2009% | 901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0323% | 364 |
| Memoranda: | ||
| Average total assets | $329,881,250 | 2,118 |
| Average earning assets | $307,788,750 | 2,113 |
| Average equity | $46,490,500 | 1,794 |
| Average total loans | $240,387,000 | 1,970 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0346% | 3,239 |
| Cost of funding earning assets | 1.3640% | 263 |
| Net interest margin | 2.6706% | 4,584 |
| Noninterest income to average assets | 2.7343% | 191 |
| Noninterest expense to average assets | 3.4871% | 758 |
| Loan and lease loss provision to assets | 0.1877% | 2,146 |
| Net operating income to assets | 1.2533% | 1,484 |
| Return on assets (ROA) | 1.2628% | 1,576 |
| Pretax return on assets | 1.5666% | 1,303 |
| Return on Equity (ROE) | 8.9934% | 2,365 |
| Retained earnings to average equity (ytd only) | 8.9934% | 1,008 |
| Net charge-offs to loans | 0.0033% | 2,873 |
| Credit loss provision to net charge-offs | 7,600.0000% | 152 |
| Earnings coverage of net charge-offs (x) | 705.5000% | 143 |
| Efficiency ratio | 66.6785% | 2,421 |
| Assets per employee ($millions) | 3.7140% | 4,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7714% | 701 |
| Loan loss allowance to noncurrent loans | 328.4950% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.3831% | 2,767 |
| Noncurrent loans to loans | 0.5393% | 2,554 |
| Net loans and leases to total assets | 69.7841% | 2,062 |
| Net loans and leases to deposits | 95.4516% | 837 |
| Net loans and leases to core deposits | 98.8115% | 1,348 |
| Total domestic deposits to total assets | 73.1094% | 4,644 |
| Equity capital to assets | 13.9436% | 867 |
| Core capital (leverage) ratio | 13.3047% | 924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4070% | 383 |
| Memoranda: | ||
| Average total assets | $323,883,000 | 2,126 |
| Average earning assets | $302,629,333 | 2,119 |
| Average equity | $45,478,000 | 1,810 |
| Average total loans | $241,098,667 | 1,953 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0355% | 3,692 |
| Cost of funding earning assets | 1.5276% | 236 |
| Net interest margin | 2.5079% | 4,821 |
| Noninterest income to average assets | 2.2820% | 225 |
| Noninterest expense to average assets | 3.7043% | 697 |
| Loan and lease loss provision to assets | 0.0051% | 3,680 |
| Net operating income to assets | 0.7416% | 3,124 |
| Return on assets (ROA) | 0.7416% | 3,202 |
| Pretax return on assets | 0.9181% | 3,086 |
| Return on Equity (ROE) | 5.2618% | 3,547 |
| Retained earnings to average equity (ytd only) | 5.2618% | 2,170 |
| Net charge-offs to loans | 0.0067% | 2,337 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | 181.7500% | 370 |
| Efficiency ratio | 80.0494% | 1,133 |
| Assets per employee ($millions) | 3.5420% | 4,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6507% | 953 |
| Loan loss allowance to noncurrent loans | 253.0044% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.4905% | 2,523 |
| Noncurrent loans to loans | 0.6524% | 2,358 |
| Net loans and leases to total assets | 73.9391% | 1,614 |
| Net loans and leases to deposits | 94.9165% | 1,005 |
| Net loans and leases to core deposits | 98.9200% | 1,561 |
| Total domestic deposits to total assets | 77.8991% | 4,234 |
| Equity capital to assets | 13.9280% | 1,085 |
| Core capital (leverage) ratio | 13.8590% | 947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8568% | 453 |
| Memoranda: | ||
| Average total assets | $314,982,500 | 2,127 |
| Average earning assets | $294,586,500 | 2,109 |
| Average equity | $44,395,500 | 1,830 |
| Average total loans | $240,277,500 | 1,925 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2201% | 3,763 |
| Cost of funding earning assets | 1.6453% | 247 |
| Net interest margin | 2.5749% | 4,928 |
| Noninterest income to average assets | 1.3794% | 504 |
| Noninterest expense to average assets | 3.0139% | 1,983 |
| Loan and lease loss provision to assets | -0.0010% | 4,899 |
| Net operating income to assets | 0.6029% | 4,151 |
| Return on assets (ROA) | 0.6243% | 4,155 |
| Pretax return on assets | 0.8181% | 3,935 |
| Return on Equity (ROE) | 4.5850% | 4,326 |
| Retained earnings to average equity (ytd only) | 4.5850% | 2,659 |
| Net charge-offs to loans | -0.0012% | 4,187 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2304% | 1,014 |
| Assets per employee ($millions) | 3.3807% | 4,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6790% | 835 |
| Loan loss allowance to noncurrent loans | 219.9010% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.5913% | 2,123 |
| Noncurrent loans to loans | 0.7635% | 1,988 |
| Net loans and leases to total assets | 76.1379% | 1,388 |
| Net loans and leases to deposits | 89.9834% | 1,594 |
| Net loans and leases to core deposits | 94.2170% | 2,041 |
| Total domestic deposits to total assets | 84.6133% | 2,639 |
| Equity capital to assets | 14.2691% | 1,012 |
| Core capital (leverage) ratio | 13.6470% | 1,011 |
| Tier 1 risk-based capital ratio | 23.9365% | 833 |
| Total risk-based capital ratio | 25.1999% | 813 |
| Memoranda: | ||
| Average total assets | $314,273,000 | 2,074 |
| Average earning assets | $295,938,400 | 2,052 |
| Average equity | $42,791,400 | 1,823 |
| Average total loans | $242,513,400 | 1,875 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2204% | 3,878 |
| Cost of funding earning assets | 1.6410% | 256 |
| Net interest margin | 2.5794% | 5,016 |
| Noninterest income to average assets | 1.3032% | 548 |
| Noninterest expense to average assets | 2.8921% | 2,286 |
| Loan and lease loss provision to assets | -0.0013% | 5,025 |
| Net operating income to assets | 0.6506% | 4,160 |
| Return on assets (ROA) | 0.6740% | 4,155 |
| Pretax return on assets | 0.8744% | 3,947 |
| Return on Equity (ROE) | 5.0083% | 4,326 |
| Retained earnings to average equity (ytd only) | 5.0083% | 2,887 |
| Net charge-offs to loans | -0.0016% | 4,041 |
| Credit loss provision to net charge-offs | 100.0000% | 2,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4175% | 1,165 |
| Assets per employee ($millions) | 3.4523% | 4,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6158% | 966 |
| Loan loss allowance to noncurrent loans | 196.6568% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.6546% | 2,052 |
| Noncurrent loans to loans | 0.8216% | 1,923 |
| Net loans and leases to total assets | 78.3892% | 1,078 |
| Net loans and leases to deposits | 92.4141% | 1,385 |
| Net loans and leases to core deposits | 96.1943% | 1,978 |
| Total domestic deposits to total assets | 84.8238% | 2,487 |
| Equity capital to assets | 14.0607% | 1,129 |
| Core capital (leverage) ratio | 13.2928% | 1,217 |
| Tier 1 risk-based capital ratio | 23.4727% | 902 |
| Total risk-based capital ratio | 24.7354% | 881 |
| Memoranda: | ||
| Average total assets | $315,930,500 | 2,072 |
| Average earning assets | $297,942,750 | 2,049 |
| Average equity | $42,514,750 | 1,843 |
| Average total loans | $243,583,500 | 1,871 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1384% | 4,070 |
| Cost of funding earning assets | 1.6253% | 249 |
| Net interest margin | 2.5132% | 5,122 |
| Noninterest income to average assets | 1.2478% | 555 |
| Noninterest expense to average assets | 2.9238% | 2,214 |
| Loan and lease loss provision to assets | -0.0019% | 5,090 |
| Net operating income to assets | 0.5479% | 4,426 |
| Return on assets (ROA) | 0.5817% | 4,393 |
| Pretax return on assets | 0.7442% | 4,228 |
| Return on Equity (ROE) | 4.3871% | 4,495 |
| Retained earnings to average equity (ytd only) | 4.3871% | 3,072 |
| Net charge-offs to loans | -0.0025% | 3,997 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6950% | 909 |
| Assets per employee ($millions) | 3.5125% | 4,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6168% | 997 |
| Loan loss allowance to noncurrent loans | 123.7624% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 1.0111% | 1,382 |
| Noncurrent loans to loans | 1.3064% | 1,206 |
| Net loans and leases to total assets | 76.1466% | 1,521 |
| Net loans and leases to deposits | 88.9504% | 1,868 |
| Net loans and leases to core deposits | 92.2604% | 2,390 |
| Total domestic deposits to total assets | 85.6057% | 2,221 |
| Equity capital to assets | 13.4808% | 1,330 |
| Core capital (leverage) ratio | 12.7625% | 1,419 |
| Tier 1 risk-based capital ratio | 22.9378% | 951 |
| Total risk-based capital ratio | 24.2016% | 923 |
| Memoranda: | ||
| Average total assets | $317,670,670 | 2,064 |
| Average earning assets | $300,259,000 | 2,036 |
| Average equity | $42,123,670 | 1,855 |
| Average total loans | $242,257,000 | 1,886 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0899% | 4,155 |
| Cost of funding earning assets | 1.5884% | 238 |
| Net interest margin | 2.5016% | 5,190 |
| Noninterest income to average assets | 0.8766% | 1,093 |
| Noninterest expense to average assets | 3.0263% | 1,916 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.1755% | 5,028 |
| Return on assets (ROA) | 0.1869% | 5,025 |
| Pretax return on assets | 0.2274% | 5,013 |
| Return on Equity (ROE) | 1.4217% | 5,033 |
| Retained earnings to average equity (ytd only) | 1.4217% | 4,214 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4113% | 295 |
| Assets per employee ($millions) | 3.4237% | 4,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6472% | 968 |
| Loan loss allowance to noncurrent loans | 97.4184% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 1.3036% | 998 |
| Noncurrent loans to loans | 1.6908% | 914 |
| Net loans and leases to total assets | 75.8266% | 1,522 |
| Net loans and leases to deposits | 88.5981% | 1,790 |
| Net loans and leases to core deposits | 92.0599% | 2,293 |
| Total domestic deposits to total assets | 85.5849% | 2,451 |
| Equity capital to assets | 13.3531% | 1,268 |
| Core capital (leverage) ratio | 12.6254% | 1,444 |
| Tier 1 risk-based capital ratio | 21.9482% | 1,056 |
| Total risk-based capital ratio | 23.2100% | 1,029 |
| Memoranda: | ||
| Average total assets | $316,686,000 | 2,085 |
| Average earning assets | $299,173,500 | 2,053 |
| Average equity | $41,640,500 | 1,869 |
| Average total loans | $239,688,000 | 1,918 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9714% | 4,106 |
| Cost of funding earning assets | 1.5511% | 70 |
| Net interest margin | 2.4203% | 5,242 |
| Noninterest income to average assets | 0.8685% | 1,268 |
| Noninterest expense to average assets | 3.0517% | 1,928 |
| Loan and lease loss provision to assets | 0.0009% | 4,072 |
| Net operating income to assets | 0.1571% | 5,138 |
| Return on assets (ROA) | 0.1144% | 5,166 |
| Pretax return on assets | 0.0546% | 5,204 |
| Return on Equity (ROE) | 0.9222% | 5,166 |
| Retained earnings to average equity (ytd only) | 0.9222% | 4,727 |
| Net charge-offs to loans | 0.0013% | 3,719 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | 108.0000% | 701 |
| Efficiency ratio | 96.8798% | 195 |
| Assets per employee ($millions) | 3.4235% | 4,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6911% | 848 |
| Loan loss allowance to noncurrent loans | 93.4798% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 1.3440% | 939 |
| Noncurrent loans to loans | 1.8090% | 784 |
| Net loans and leases to total assets | 73.0349% | 2,091 |
| Net loans and leases to deposits | 86.4918% | 2,216 |
| Net loans and leases to core deposits | 90.2124% | 2,560 |
| Total domestic deposits to total assets | 84.4414% | 2,854 |
| Equity capital to assets | 12.9467% | 1,371 |
| Core capital (leverage) ratio | 12.2258% | 1,605 |
| Tier 1 risk-based capital ratio | 21.9556% | 1,039 |
| Total risk-based capital ratio | 23.2182% | 1,019 |
| Memoranda: | ||
| Average total assets | $329,654,000 | 1,995 |
| Average earning assets | $310,748,200 | 1,966 |
| Average equity | $40,881,600 | 1,817 |
| Average total loans | $227,516,600 | 1,969 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9810% | 3,984 |
| Cost of funding earning assets | 1.5502% | 56 |
| Net interest margin | 2.4308% | 5,307 |
| Noninterest income to average assets | 0.8025% | 1,465 |
| Noninterest expense to average assets | 3.0238% | 1,942 |
| Loan and lease loss provision to assets | 0.0012% | 3,931 |
| Net operating income to assets | 0.1504% | 5,231 |
| Return on assets (ROA) | 0.1191% | 5,237 |
| Pretax return on assets | 0.0365% | 5,281 |
| Return on Equity (ROE) | 0.9706% | 5,237 |
| Retained earnings to average equity (ytd only) | 0.9706% | 4,859 |
| Net charge-offs to loans | 0.0018% | 3,429 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | 57.3325% | 1,081 |
| Efficiency ratio | 97.7697% | 177 |
| Assets per employee ($millions) | 3.2394% | 4,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7183% | 840 |
| Loan loss allowance to noncurrent loans | 85.3242% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 1.4618% | 892 |
| Noncurrent loans to loans | 2.0139% | 725 |
| Net loans and leases to total assets | 71.3389% | 2,438 |
| Net loans and leases to deposits | 85.6294% | 2,405 |
| Net loans and leases to core deposits | 89.3722% | 2,712 |
| Total domestic deposits to total assets | 83.3111% | 3,193 |
| Equity capital to assets | 12.6330% | 1,502 |
| Core capital (leverage) ratio | 12.0630% | 1,753 |
| Tier 1 risk-based capital ratio | 22.2639% | 1,019 |
| Total risk-based capital ratio | 23.5268% | 994 |
| Memoranda: | ||
| Average total assets | $332,470,250 | 1,986 |
| Average earning assets | $313,249,000 | 1,967 |
| Average equity | $40,796,750 | 1,831 |
| Average total loans | $225,262,000 | 1,990 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0451% | 3,627 |
| Cost of funding earning assets | 1.5967% | 35 |
| Net interest margin | 2.4484% | 5,364 |
| Noninterest income to average assets | 0.6837% | 1,936 |
| Noninterest expense to average assets | 3.0815% | 1,829 |
| Loan and lease loss provision to assets | 0.0018% | 3,764 |
| Net operating income to assets | -0.0178% | 5,351 |
| Return on assets (ROA) | -0.0155% | 5,343 |
| Pretax return on assets | -0.0927% | 5,369 |
| Return on Equity (ROE) | -0.1272% | 5,343 |
| Retained earnings to average equity (ytd only) | -0.1272% | 4,977 |
| Net charge-offs to loans | 0.0027% | 3,101 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | -52.6667% | 3,200 |
| Efficiency ratio | 103.1443% | 138 |
| Assets per employee ($millions) | 3.6544% | 4,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7749% | 789 |
| Loan loss allowance to noncurrent loans | 94.6074% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 1.2714% | 1,114 |
| Noncurrent loans to loans | 1.8761% | 821 |
| Net loans and leases to total assets | 66.5649% | 3,067 |
| Net loans and leases to deposits | 84.3788% | 2,490 |
| Net loans and leases to core deposits | 87.5318% | 2,768 |
| Total domestic deposits to total assets | 78.8882% | 4,444 |
| Equity capital to assets | 12.1558% | 1,742 |
| Core capital (leverage) ratio | 10.7811% | 2,721 |
| Tier 1 risk-based capital ratio | 22.5427% | 980 |
| Total risk-based capital ratio | 23.8061% | 960 |
| Memoranda: | ||
| Average total assets | $336,394,000 | 1,980 |
| Average earning assets | $316,528,670 | 1,959 |
| Average equity | $40,891,000 | 1,829 |
| Average total loans | $222,755,000 | 2,010 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1378% | 3,096 |
| Cost of funding earning assets | 1.6713% | 16 |
| Net interest margin | 2.4665% | 5,415 |
| Noninterest income to average assets | 0.6278% | 2,139 |
| Noninterest expense to average assets | 3.2620% | 1,426 |
| Loan and lease loss provision to assets | 0.0035% | 3,468 |
| Net operating income to assets | -0.1797% | 5,445 |
| Return on assets (ROA) | -0.1797% | 5,439 |
| Pretax return on assets | -0.3275% | 5,472 |
| Return on Equity (ROE) | -1.4784% | 5,437 |
| Retained earnings to average equity (ytd only) | -1.4784% | 4,960 |
| Net charge-offs to loans | 0.0054% | 2,542 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | -91.3333% | 2,715 |
| Efficiency ratio | 111.0262% | 96 |
| Assets per employee ($millions) | 3.4282% | 4,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8013% | 785 |
| Loan loss allowance to noncurrent loans | 92.5497% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 1.2734% | 1,168 |
| Noncurrent loans to loans | 1.9463% | 832 |
| Net loans and leases to total assets | 64.2517% | 3,277 |
| Net loans and leases to deposits | 85.6337% | 2,212 |
| Net loans and leases to core deposits | 88.9964% | 2,541 |
| Total domestic deposits to total assets | 75.0309% | 5,060 |
| Equity capital to assets | 11.9371% | 1,836 |
| Core capital (leverage) ratio | 9.2499% | 4,380 |
| Tier 1 risk-based capital ratio | 22.8626% | 957 |
| Total risk-based capital ratio | 24.1269% | 935 |
| Memoranda: | ||
| Average total assets | $338,316,500 | 1,985 |
| Average earning assets | $316,882,500 | 1,974 |
| Average equity | $41,124,500 | 1,826 |
| Average total loans | $221,452,000 | 2,024 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9888% | 3,440 |
| Cost of funding earning assets | 1.4902% | 26 |
| Net interest margin | 2.4986% | 5,413 |
| Noninterest income to average assets | 0.6994% | 1,970 |
| Noninterest expense to average assets | 3.0168% | 2,124 |
| Loan and lease loss provision to assets | -0.1455% | 5,531 |
| Net operating income to assets | 0.0348% | 5,323 |
| Return on assets (ROA) | 0.0907% | 5,273 |
| Pretax return on assets | 0.2572% | 5,258 |
| Return on Equity (ROE) | 0.7274% | 5,281 |
| Retained earnings to average equity (ytd only) | 0.7274% | 4,749 |
| Net charge-offs to loans | 0.0079% | 3,800 |
| Credit loss provision to net charge-offs | -2,841.1765% | 5,198 |
| Earnings coverage of net charge-offs (x) | 4.7647% | 3,414 |
| Efficiency ratio | 99.1978% | 186 |
| Assets per employee ($millions) | 3.5129% | 4,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8113% | 768 |
| Loan loss allowance to noncurrent loans | 97.9192% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 1.2113% | 1,215 |
| Noncurrent loans to loans | 1.8498% | 856 |
| Net loans and leases to total assets | 64.2979% | 3,337 |
| Net loans and leases to deposits | 87.0566% | 2,124 |
| Net loans and leases to core deposits | 90.2570% | 2,543 |
| Total domestic deposits to total assets | 73.8576% | 5,196 |
| Equity capital to assets | 12.3755% | 1,582 |
| Core capital (leverage) ratio | 9.4625% | 4,093 |
| Tier 1 risk-based capital ratio | 23.1495% | 896 |
| Total risk-based capital ratio | 24.4138% | 876 |
| Memoranda: | ||
| Average total assets | $332,011,800 | 1,997 |
| Average earning assets | $311,174,800 | 1,986 |
| Average equity | $41,381,400 | 1,801 |
| Average total loans | $214,046,400 | 2,046 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9714% | 3,461 |
| Cost of funding earning assets | 1.4382% | 27 |
| Net interest margin | 2.5332% | 5,449 |
| Noninterest income to average assets | 0.6378% | 2,262 |
| Noninterest expense to average assets | 3.0149% | 2,074 |
| Loan and lease loss provision to assets | -0.1947% | 5,651 |
| Net operating income to assets | 0.1787% | 5,372 |
| Return on assets (ROA) | 0.2867% | 5,264 |
| Pretax return on assets | 0.3084% | 5,304 |
| Return on Equity (ROE) | 2.2957% | 5,260 |
| Retained earnings to average equity (ytd only) | 2.2957% | 4,491 |
| Net charge-offs to loans | 0.0107% | 3,342 |
| Credit loss provision to net charge-offs | -2,841.1765% | 5,130 |
| Earnings coverage of net charge-offs (x) | -0.3529% | 3,709 |
| Efficiency ratio | 100.0803% | 178 |
| Assets per employee ($millions) | 3.1054% | 5,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8169% | 828 |
| Loan loss allowance to noncurrent loans | 72.4769% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 1.6305% | 899 |
| Noncurrent loans to loans | 2.5068% | 613 |
| Net loans and leases to total assets | 63.8602% | 3,425 |
| Net loans and leases to deposits | 88.4267% | 1,998 |
| Net loans and leases to core deposits | 91.7382% | 2,471 |
| Total domestic deposits to total assets | 72.2182% | 5,362 |
| Equity capital to assets | 12.4250% | 1,701 |
| Core capital (leverage) ratio | 9.7475% | 3,885 |
| Tier 1 risk-based capital ratio | 23.0849% | 939 |
| Total risk-based capital ratio | 24.3489% | 923 |
| Memoranda: | ||
| Average total assets | $330,705,250 | 2,016 |
| Average earning assets | $310,009,250 | 2,002 |
| Average equity | $41,293,000 | 1,823 |
| Average total loans | $212,348,750 | 2,070 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9139% | 3,511 |
| Cost of funding earning assets | 1.3750% | 28 |
| Net interest margin | 2.5390% | 5,477 |
| Noninterest income to average assets | 0.5724% | 2,591 |
| Noninterest expense to average assets | 2.9898% | 2,142 |
| Loan and lease loss provision to assets | -0.1115% | 5,654 |
| Net operating income to assets | 0.0768% | 5,510 |
| Return on assets (ROA) | 0.1786% | 5,431 |
| Pretax return on assets | 0.1719% | 5,450 |
| Return on Equity (ROE) | 1.4279% | 5,420 |
| Retained earnings to average equity (ytd only) | 1.4279% | 4,676 |
| Net charge-offs to loans | 0.0162% | 2,920 |
| Credit loss provision to net charge-offs | -1,076.4706% | 4,837 |
| Earnings coverage of net charge-offs (x) | -4.0000% | 3,456 |
| Efficiency ratio | 101.4058% | 174 |
| Assets per employee ($millions) | 3.0326% | 5,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9831% | 624 |
| Loan loss allowance to noncurrent loans | 78.4672% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 1.6134% | 917 |
| Noncurrent loans to loans | 2.5273% | 588 |
| Net loans and leases to total assets | 62.5715% | 3,563 |
| Net loans and leases to deposits | 87.9833% | 1,987 |
| Net loans and leases to core deposits | 91.2145% | 2,404 |
| Total domestic deposits to total assets | 71.1175% | 5,503 |
| Equity capital to assets | 12.2327% | 1,769 |
| Core capital (leverage) ratio | 9.8243% | 3,747 |
| Tier 1 risk-based capital ratio | 23.1321% | 933 |
| Total risk-based capital ratio | 24.3985% | 921 |
| Memoranda: | ||
| Average total assets | $328,111,000 | 2,033 |
| Average earning assets | $307,056,000 | 2,018 |
| Average equity | $41,038,330 | 1,834 |
| Average total loans | $209,745,330 | 2,088 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8244% | 3,676 |
| Cost of funding earning assets | 1.3089% | 33 |
| Net interest margin | 2.5154% | 5,537 |
| Noninterest income to average assets | 0.5187% | 2,850 |
| Noninterest expense to average assets | 3.0788% | 1,921 |
| Loan and lease loss provision to assets | -0.1253% | 5,762 |
| Net operating income to assets | 0.0093% | 5,596 |
| Return on assets (ROA) | 0.0149% | 5,603 |
| Pretax return on assets | -0.0794% | 5,634 |
| Return on Equity (ROE) | 0.1177% | 5,602 |
| Retained earnings to average equity (ytd only) | 0.1177% | 4,886 |
| Net charge-offs to loans | -0.0019% | 4,009 |
| Credit loss provision to net charge-offs | 10,100.0000% | 26 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.4491% | 149 |
| Assets per employee ($millions) | 3.0923% | 5,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1382% | 514 |
| Loan loss allowance to noncurrent loans | 70.9677% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 1.9278% | 700 |
| Noncurrent loans to loans | 3.0130% | 458 |
| Net loans and leases to total assets | 62.6161% | 3,449 |
| Net loans and leases to deposits | 87.9702% | 1,801 |
| Net loans and leases to core deposits | 91.0252% | 2,264 |
| Total domestic deposits to total assets | 71.1788% | 5,587 |
| Equity capital to assets | 12.7020% | 1,401 |
| Core capital (leverage) ratio | 10.1924% | 3,247 |
| Tier 1 risk-based capital ratio | 23.3375% | 935 |
| Total risk-based capital ratio | 24.6053% | 920 |
| Memoranda: | ||
| Average total assets | $322,338,500 | 2,084 |
| Average earning assets | $300,704,500 | 2,067 |
| Average equity | $40,783,000 | 1,835 |
| Average total loans | $206,204,000 | 2,128 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9652% | 3,329 |
| Cost of funding earning assets | 1.2014% | 56 |
| Net interest margin | 2.7637% | 5,337 |
| Noninterest income to average assets | 1.6433% | 446 |
| Noninterest expense to average assets | 3.6543% | 944 |
| Loan and lease loss provision to assets | -0.1719% | 5,760 |
| Net operating income to assets | 0.5249% | 4,532 |
| Return on assets (ROA) | 0.6373% | 4,167 |
| Pretax return on assets | 0.9061% | 3,833 |
| Return on Equity (ROE) | 4.6737% | 4,575 |
| Retained earnings to average equity (ytd only) | 4.6737% | 2,568 |
| Net charge-offs to loans | -0.0081% | 4,887 |
| Credit loss provision to net charge-offs | 3,225.0000% | 135 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4324% | 788 |
| Assets per employee ($millions) | 3.1366% | 5,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1778% | 480 |
| Loan loss allowance to noncurrent loans | 71.6332% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 1.9445% | 720 |
| Noncurrent loans to loans | 3.0402% | 445 |
| Net loans and leases to total assets | 62.5654% | 3,533 |
| Net loans and leases to deposits | 94.2367% | 1,174 |
| Net loans and leases to core deposits | 96.7333% | 1,861 |
| Total domestic deposits to total assets | 66.3918% | 5,748 |
| Equity capital to assets | 12.6027% | 1,460 |
| Core capital (leverage) ratio | 10.5116% | 2,873 |
| Tier 1 risk-based capital ratio | 23.7462% | 892 |
| Total risk-based capital ratio | 25.0153% | 876 |
| Memoranda: | ||
| Average total assets | $300,192,600 | 2,162 |
| Average earning assets | $280,744,400 | 2,151 |
| Average equity | $40,930,800 | 1,813 |
| Average total loans | $196,739,400 | 2,141 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0129% | 3,179 |
| Cost of funding earning assets | 1.1948% | 54 |
| Net interest margin | 2.8181% | 5,327 |
| Noninterest income to average assets | 1.4027% | 602 |
| Noninterest expense to average assets | 3.6276% | 957 |
| Loan and lease loss provision to assets | -0.2323% | 5,882 |
| Net operating income to assets | 0.4480% | 4,879 |
| Return on assets (ROA) | 0.5936% | 4,430 |
| Pretax return on assets | 0.8571% | 4,132 |
| Return on Equity (ROE) | 4.2649% | 4,809 |
| Retained earnings to average equity (ytd only) | 4.2649% | 3,286 |
| Net charge-offs to loans | -0.0089% | 4,741 |
| Credit loss provision to net charge-offs | 3,946.1538% | 136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7603% | 569 |
| Assets per employee ($millions) | 3.1252% | 5,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1796% | 539 |
| Loan loss allowance to noncurrent loans | 72.0461% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 2.3026% | 622 |
| Noncurrent loans to loans | 3.0253% | 488 |
| Net loans and leases to total assets | 64.6233% | 3,322 |
| Net loans and leases to deposits | 97.7863% | 876 |
| Net loans and leases to core deposits | 100.1314% | 1,622 |
| Total domestic deposits to total assets | 66.0862% | 5,816 |
| Equity capital to assets | 13.4273% | 1,279 |
| Core capital (leverage) ratio | 10.4702% | 3,028 |
| Tier 1 risk-based capital ratio | 23.7318% | 923 |
| Total risk-based capital ratio | 25.0014% | 906 |
| Memoranda: | ||
| Average total assets | $294,472,500 | 2,206 |
| Average earning assets | $275,737,250 | 2,185 |
| Average equity | $40,984,500 | 1,819 |
| Average total loans | $194,266,250 | 2,167 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9674% | 3,356 |
| Cost of funding earning assets | 1.1927% | 54 |
| Net interest margin | 2.7747% | 5,466 |
| Noninterest income to average assets | 1.1100% | 909 |
| Noninterest expense to average assets | 3.6740% | 911 |
| Loan and lease loss provision to assets | -0.3536% | 5,994 |
| Net operating income to assets | 0.2599% | 5,413 |
| Return on assets (ROA) | 0.4791% | 4,870 |
| Pretax return on assets | 0.7072% | 4,596 |
| Return on Equity (ROE) | 3.3991% | 5,127 |
| Retained earnings to average equity (ytd only) | 3.3991% | 3,728 |
| Net charge-offs to loans | -0.0105% | 4,713 |
| Credit loss provision to net charge-offs | 5,100.0000% | 79 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1579% | 260 |
| Assets per employee ($millions) | 3.0791% | 5,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2941% | 476 |
| Loan loss allowance to noncurrent loans | 70.4556% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 2.4467% | 579 |
| Noncurrent loans to loans | 3.2561% | 431 |
| Net loans and leases to total assets | 63.5144% | 3,434 |
| Net loans and leases to deposits | 93.6653% | 1,317 |
| Net loans and leases to core deposits | 96.1757% | 1,962 |
| Total domestic deposits to total assets | 67.8100% | 5,845 |
| Equity capital to assets | 13.7838% | 1,107 |
| Core capital (leverage) ratio | 10.8821% | 2,553 |
| Tier 1 risk-based capital ratio | 24.1316% | 891 |
| Total risk-based capital ratio | 25.4022% | 875 |
| Memoranda: | ||
| Average total assets | $288,457,000 | 2,250 |
| Average earning assets | $269,799,330 | 2,232 |
| Average equity | $40,658,330 | 1,828 |
| Average total loans | $190,201,670 | 2,209 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9369% | 3,446 |
| Cost of funding earning assets | 1.2089% | 54 |
| Net interest margin | 2.7280% | 5,577 |
| Noninterest income to average assets | 0.5621% | 2,729 |
| Noninterest expense to average assets | 3.4236% | 1,334 |
| Loan and lease loss provision to assets | -0.0043% | 5,873 |
| Net operating income to assets | -0.2151% | 5,891 |
| Return on assets (ROA) | 0.2413% | 5,513 |
| Pretax return on assets | 0.3506% | 5,403 |
| Return on Equity (ROE) | 1.6919% | 5,577 |
| Retained earnings to average equity (ytd only) | 1.6919% | 4,595 |
| Net charge-offs to loans | -0.0064% | 4,368 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.1370% | 154 |
| Assets per employee ($millions) | 3.0355% | 5,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6791% | 323 |
| Loan loss allowance to noncurrent loans | 78.0762% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 2.7194% | 516 |
| Noncurrent loans to loans | 3.4314% | 407 |
| Net loans and leases to total assets | 64.3376% | 3,200 |
| Net loans and leases to deposits | 88.9265% | 1,712 |
| Net loans and leases to core deposits | 90.9613% | 2,286 |
| Total domestic deposits to total assets | 72.3492% | 5,746 |
| Equity capital to assets | 14.3165% | 878 |
| Core capital (leverage) ratio | 11.0447% | 2,364 |
| Tier 1 risk-based capital ratio | 25.0131% | 810 |
| Total risk-based capital ratio | 26.2896% | 791 |
| Memoranda: | ||
| Average total assets | $281,809,500 | 2,298 |
| Average earning assets | $263,046,500 | 2,280 |
| Average equity | $40,191,000 | 1,838 |
| Average total loans | $187,224,500 | 2,237 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9460% | 3,541 |
| Cost of funding earning assets | 1.0721% | 116 |
| Net interest margin | 2.8739% | 5,383 |
| Noninterest income to average assets | 1.1085% | 956 |
| Noninterest expense to average assets | 3.2577% | 1,819 |
| Loan and lease loss provision to assets | -0.0159% | 5,652 |
| Net operating income to assets | 0.4523% | 4,879 |
| Return on assets (ROA) | 0.5298% | 4,660 |
| Pretax return on assets | 0.6437% | 4,688 |
| Return on Equity (ROE) | 3.9761% | 4,957 |
| Retained earnings to average equity (ytd only) | 3.9761% | 3,205 |
| Net charge-offs to loans | -0.0508% | 5,556 |
| Credit loss provision to net charge-offs | 47.0000% | 3,451 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9340% | 997 |
| Assets per employee ($millions) | 3.0249% | 5,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6621% | 334 |
| Loan loss allowance to noncurrent loans | 76.1847% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 2.7855% | 508 |
| Noncurrent loans to loans | 3.4943% | 404 |
| Net loans and leases to total assets | 64.9881% | 3,125 |
| Net loans and leases to deposits | 89.6995% | 1,650 |
| Net loans and leases to core deposits | 91.7509% | 2,249 |
| Total domestic deposits to total assets | 72.4509% | 5,766 |
| Equity capital to assets | 14.2068% | 863 |
| Core capital (leverage) ratio | 11.2881% | 2,131 |
| Tier 1 risk-based capital ratio | 24.6099% | 849 |
| Total risk-based capital ratio | 25.8860% | 832 |
| Memoranda: | ||
| Average total assets | $294,992,600 | 2,177 |
| Average earning assets | $275,344,400 | 2,164 |
| Average equity | $39,309,400 | 1,828 |
| Average total loans | $196,945,000 | 2,101 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9465% | 3,557 |
| Cost of funding earning assets | 1.0443% | 138 |
| Net interest margin | 2.9022% | 5,407 |
| Noninterest income to average assets | 1.1782% | 871 |
| Noninterest expense to average assets | 3.2612% | 1,798 |
| Loan and lease loss provision to assets | -0.0197% | 5,845 |
| Net operating income to assets | 0.5331% | 4,663 |
| Return on assets (ROA) | 0.5925% | 4,521 |
| Pretax return on assets | 0.7198% | 4,614 |
| Return on Equity (ROE) | 4.5164% | 4,831 |
| Retained earnings to average equity (ytd only) | 4.5164% | 3,260 |
| Net charge-offs to loans | -0.0649% | 5,637 |
| Credit loss provision to net charge-offs | 45.3608% | 3,095 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8580% | 1,193 |
| Assets per employee ($millions) | 2.8776% | 5,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5388% | 414 |
| Loan loss allowance to noncurrent loans | 73.0460% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 2.8633% | 554 |
| Noncurrent loans to loans | 3.4756% | 452 |
| Net loans and leases to total assets | 67.3753% | 2,794 |
| Net loans and leases to deposits | 92.7583% | 1,333 |
| Net loans and leases to core deposits | 94.8438% | 1,993 |
| Total domestic deposits to total assets | 72.6353% | 5,819 |
| Equity capital to assets | 14.0144% | 1,017 |
| Core capital (leverage) ratio | 11.1599% | 2,340 |
| Tier 1 risk-based capital ratio | 23.3009% | 1,021 |
| Total risk-based capital ratio | 24.5751% | 1,005 |
| Memoranda: | ||
| Average total assets | $298,411,750 | 2,169 |
| Average earning assets | $278,721,000 | 2,158 |
| Average equity | $39,145,250 | 1,849 |
| Average total loans | $199,225,750 | 2,079 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9166% | 3,626 |
| Cost of funding earning assets | 1.0076% | 176 |
| Net interest margin | 2.9090% | 5,428 |
| Noninterest income to average assets | 1.3251% | 699 |
| Noninterest expense to average assets | 3.3065% | 1,687 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5908% | 4,390 |
| Return on assets (ROA) | 0.6774% | 4,102 |
| Pretax return on assets | 0.8398% | 4,165 |
| Return on Equity (ROE) | 5.2771% | 4,501 |
| Retained earnings to average equity (ytd only) | 5.2771% | 2,690 |
| Net charge-offs to loans | -0.0080% | 4,867 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8568% | 1,510 |
| Assets per employee ($millions) | 3.4570% | 4,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4208% | 534 |
| Loan loss allowance to noncurrent loans | 71.2745% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 3.0084% | 561 |
| Noncurrent loans to loans | 3.3965% | 532 |
| Net loans and leases to total assets | 59.5617% | 3,896 |
| Net loans and leases to deposits | 96.7918% | 886 |
| Net loans and leases to core deposits | 98.9688% | 1,569 |
| Total domestic deposits to total assets | 61.5359% | 6,236 |
| Equity capital to assets | 11.6902% | 2,258 |
| Core capital (leverage) ratio | 11.5776% | 1,943 |
| Tier 1 risk-based capital ratio | 22.4851% | 1,139 |
| Total risk-based capital ratio | 23.7575% | 1,115 |
| Memoranda: | ||
| Average total assets | $302,920,670 | 2,165 |
| Average earning assets | $282,644,000 | 2,148 |
| Average equity | $38,885,330 | 1,865 |
| Average total loans | $199,987,000 | 2,089 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0525% | 3,032 |
| Cost of funding earning assets | 1.0657% | 124 |
| Net interest margin | 2.9868% | 5,252 |
| Noninterest income to average assets | 0.9431% | 1,257 |
| Noninterest expense to average assets | 3.2325% | 1,896 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4684% | 4,803 |
| Return on assets (ROA) | 0.5594% | 4,555 |
| Pretax return on assets | 0.5818% | 4,967 |
| Return on Equity (ROE) | 4.1418% | 4,919 |
| Retained earnings to average equity (ytd only) | 4.1418% | 3,522 |
| Net charge-offs to loans | 0.0101% | 2,995 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 69.8000% | 645 |
| Efficiency ratio | 86.9092% | 1,105 |
| Assets per employee ($millions) | 2.9787% | 5,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4511% | 567 |
| Loan loss allowance to noncurrent loans | 66.3534% | 4,544 |
| Noncurrent assets plus other real estate owned to assets | 4.1767% | 350 |
| Noncurrent loans to loans | 3.6941% | 495 |
| Net loans and leases to total assets | 68.0693% | 2,426 |
| Net loans and leases to deposits | 96.3654% | 808 |
| Net loans and leases to core deposits | 98.4044% | 1,443 |
| Total domestic deposits to total assets | 70.6366% | 6,100 |
| Equity capital to assets | 13.5365% | 1,156 |
| Core capital (leverage) ratio | 12.6620% | 1,284 |
| Tier 1 risk-based capital ratio | 22.1768% | 1,209 |
| Total risk-based capital ratio | 23.4494% | 1,195 |
| Memoranda: | ||
| Average total assets | $286,715,500 | 2,276 |
| Average earning assets | $266,501,500 | 2,275 |
| Average equity | $38,727,500 | 1,887 |
| Average total loans | $197,638,500 | 2,105 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0450% | 3,543 |
| Cost of funding earning assets | 1.0767% | 152 |
| Net interest margin | 2.9683% | 5,512 |
| Noninterest income to average assets | 0.8743% | 1,593 |
| Noninterest expense to average assets | 3.4559% | 1,586 |
| Loan and lease loss provision to assets | -0.7711% | 6,477 |
| Net operating income to assets | 0.5891% | 4,430 |
| Return on assets (ROA) | 0.7461% | 3,743 |
| Pretax return on assets | 1.1853% | 2,715 |
| Return on Equity (ROE) | 5.7980% | 4,264 |
| Retained earnings to average equity (ytd only) | 5.7980% | 2,070 |
| Net charge-offs to loans | -0.1013% | 6,113 |
| Credit loss provision to net charge-offs | 1,161.7801% | 245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3408% | 531 |
| Assets per employee ($millions) | 2.9030% | 5,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5545% | 516 |
| Loan loss allowance to noncurrent loans | 65.4365% | 4,647 |
| Noncurrent assets plus other real estate owned to assets | 4.3375% | 368 |
| Noncurrent loans to loans | 3.9038% | 490 |
| Net loans and leases to total assets | 66.3320% | 2,828 |
| Net loans and leases to deposits | 92.7842% | 1,205 |
| Net loans and leases to core deposits | 94.9012% | 1,827 |
| Total domestic deposits to total assets | 71.4907% | 6,119 |
| Equity capital to assets | 13.4777% | 1,171 |
| Core capital (leverage) ratio | 12.5447% | 1,336 |
| Tier 1 risk-based capital ratio | 22.9027% | 1,102 |
| Total risk-based capital ratio | 24.1769% | 1,072 |
| Memoranda: | ||
| Average total assets | $287,766,600 | 2,230 |
| Average earning assets | $266,651,200 | 2,224 |
| Average equity | $37,029,800 | 1,899 |
| Average total loans | $188,518,000 | 2,129 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0519% | 3,552 |
| Cost of funding earning assets | 1.0690% | 174 |
| Net interest margin | 2.9829% | 5,534 |
| Noninterest income to average assets | 0.8783% | 1,595 |
| Noninterest expense to average assets | 3.4475% | 1,569 |
| Loan and lease loss provision to assets | -1.0160% | 6,569 |
| Net operating income to assets | 0.7656% | 3,593 |
| Return on assets (ROA) | 0.8076% | 3,491 |
| Pretax return on assets | 1.2752% | 2,478 |
| Return on Equity (ROE) | 6.3502% | 4,055 |
| Retained earnings to average equity (ytd only) | 6.3502% | 2,190 |
| Net charge-offs to loans | -0.1503% | 6,242 |
| Credit loss provision to net charge-offs | 1,042.1801% | 315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6834% | 560 |
| Assets per employee ($millions) | 2.9240% | 5,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6296% | 543 |
| Loan loss allowance to noncurrent loans | 70.8381% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 4.1099% | 465 |
| Noncurrent loans to loans | 3.7121% | 612 |
| Net loans and leases to total assets | 64.4436% | 3,120 |
| Net loans and leases to deposits | 90.0735% | 1,422 |
| Net loans and leases to core deposits | 92.2232% | 2,016 |
| Total domestic deposits to total assets | 71.5456% | 6,200 |
| Equity capital to assets | 13.3232% | 1,269 |
| Core capital (leverage) ratio | 12.3105% | 1,509 |
| Tier 1 risk-based capital ratio | 22.7762% | 1,151 |
| Total risk-based capital ratio | 24.0515% | 1,121 |
| Memoranda: | ||
| Average total assets | $288,585,000 | 2,232 |
| Average earning assets | $267,294,750 | 2,227 |
| Average equity | $36,701,500 | 1,922 |
| Average total loans | $187,233,250 | 2,155 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8895% | 4,178 |
| Cost of funding earning assets | 1.0733% | 171 |
| Net interest margin | 2.8162% | 5,868 |
| Noninterest income to average assets | 0.8726% | 1,583 |
| Noninterest expense to average assets | 3.4322% | 1,610 |
| Loan and lease loss provision to assets | -0.3457% | 6,546 |
| Net operating income to assets | 0.2258% | 5,764 |
| Return on assets (ROA) | 0.2807% | 5,705 |
| Pretax return on assets | 0.4771% | 5,345 |
| Return on Equity (ROE) | 2.2425% | 5,779 |
| Retained earnings to average equity (ytd only) | 2.2425% | 4,766 |
| Net charge-offs to loans | -0.0043% | 5,149 |
| Credit loss provision to net charge-offs | 12,500.0000% | 27 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6879% | 439 |
| Assets per employee ($millions) | 2.9113% | 5,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4698% | 248 |
| Loan loss allowance to noncurrent loans | 59.5770% | 4,829 |
| Noncurrent assets plus other real estate owned to assets | 5.4717% | 308 |
| Noncurrent loans to loans | 5.8241% | 284 |
| Net loans and leases to total assets | 63.1770% | 3,213 |
| Net loans and leases to deposits | 88.0077% | 1,599 |
| Net loans and leases to core deposits | 90.0442% | 2,121 |
| Total domestic deposits to total assets | 71.7858% | 6,265 |
| Equity capital to assets | 12.8888% | 1,430 |
| Core capital (leverage) ratio | 11.9291% | 1,703 |
| Tier 1 risk-based capital ratio | 22.2872% | 1,216 |
| Total risk-based capital ratio | 23.5752% | 1,197 |
| Memoranda: | ||
| Average total assets | $289,262,330 | 2,233 |
| Average earning assets | $267,592,670 | 2,225 |
| Average equity | $36,209,330 | 1,939 |
| Average total loans | $186,427,000 | 2,168 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8091% | 4,450 |
| Cost of funding earning assets | 1.0667% | 194 |
| Net interest margin | 2.7424% | 6,041 |
| Noninterest income to average assets | 1.1180% | 894 |
| Noninterest expense to average assets | 3.4569% | 1,577 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0961% | 6,040 |
| Return on assets (ROA) | 0.0961% | 6,066 |
| Pretax return on assets | 0.1964% | 5,924 |
| Return on Equity (ROE) | 0.7793% | 6,087 |
| Retained earnings to average equity (ytd only) | 0.7793% | 5,279 |
| Net charge-offs to loans | -0.0043% | 4,790 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6241% | 715 |
| Assets per employee ($millions) | 2.8719% | 6,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8848% | 206 |
| Loan loss allowance to noncurrent loans | 62.3782% | 4,755 |
| Noncurrent assets plus other real estate owned to assets | 5.6955% | 320 |
| Noncurrent loans to loans | 6.2278% | 282 |
| Net loans and leases to total assets | 58.9288% | 3,712 |
| Net loans and leases to deposits | 81.0173% | 2,158 |
| Net loans and leases to core deposits | 82.6172% | 2,676 |
| Total domestic deposits to total assets | 72.7361% | 6,321 |
| Equity capital to assets | 12.3260% | 1,672 |
| Core capital (leverage) ratio | 11.5051% | 1,963 |
| Tier 1 risk-based capital ratio | 21.8294% | 1,319 |
| Total risk-based capital ratio | 23.1210% | 1,288 |
| Memoranda: | ||
| Average total assets | $291,242,000 | 2,223 |
| Average earning assets | $269,249,500 | 2,224 |
| Average equity | $35,928,000 | 1,941 |
| Average total loans | $186,278,000 | 2,170 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5221% | 2,124 |
| Cost of funding earning assets | 1.1623% | 210 |
| Net interest margin | 3.3598% | 4,437 |
| Noninterest income to average assets | 1.2763% | 849 |
| Noninterest expense to average assets | 3.5100% | 1,624 |
| Loan and lease loss provision to assets | -0.0197% | 6,296 |
| Net operating income to assets | 0.5654% | 4,429 |
| Return on assets (ROA) | 0.5654% | 4,541 |
| Pretax return on assets | 0.8910% | 3,801 |
| Return on Equity (ROE) | 4.7490% | 4,748 |
| Retained earnings to average equity (ytd only) | 4.7490% | 2,774 |
| Net charge-offs to loans | 0.2439% | 2,514 |
| Credit loss provision to net charge-offs | -10.8818% | 5,689 |
| Earnings coverage of net charge-offs (x) | 4.8199% | 3,444 |
| Efficiency ratio | 80.1130% | 2,133 |
| Assets per employee ($millions) | 2.8387% | 6,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6148% | 260 |
| Loan loss allowance to noncurrent loans | 53.5344% | 5,113 |
| Noncurrent assets plus other real estate owned to assets | 5.7765% | 344 |
| Noncurrent loans to loans | 6.7523% | 262 |
| Net loans and leases to total assets | 64.2312% | 3,004 |
| Net loans and leases to deposits | 88.5586% | 1,405 |
| Net loans and leases to core deposits | 90.4661% | 1,967 |
| Total domestic deposits to total assets | 72.5295% | 6,384 |
| Equity capital to assets | 12.3464% | 1,596 |
| Core capital (leverage) ratio | 11.6601% | 1,851 |
| Tier 1 risk-based capital ratio | 20.8220% | 1,459 |
| Total risk-based capital ratio | 22.1105% | 1,434 |
| Memoranda: | ||
| Average total assets | $294,845,000 | 2,177 |
| Average earning assets | $272,484,200 | 2,159 |
| Average equity | $35,102,200 | 1,965 |
| Average total loans | $218,571,000 | 1,874 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4617% | 2,381 |
| Cost of funding earning assets | 1.1834% | 214 |
| Net interest margin | 3.2782% | 4,721 |
| Noninterest income to average assets | 1.4428% | 708 |
| Noninterest expense to average assets | 3.4367% | 1,748 |
| Loan and lease loss provision to assets | 0.0360% | 4,299 |
| Net operating income to assets | 0.6267% | 4,233 |
| Return on assets (ROA) | 0.6267% | 4,355 |
| Pretax return on assets | 0.9981% | 3,509 |
| Return on Equity (ROE) | 5.3117% | 4,558 |
| Retained earnings to average equity (ytd only) | 5.3117% | 2,869 |
| Net charge-offs to loans | 0.3988% | 1,606 |
| Credit loss provision to net charge-offs | 11.8871% | 4,195 |
| Earnings coverage of net charge-offs (x) | 3.4131% | 3,709 |
| Efficiency ratio | 76.8704% | 2,583 |
| Assets per employee ($millions) | 2.8149% | 6,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4733% | 346 |
| Loan loss allowance to noncurrent loans | 47.0894% | 5,349 |
| Noncurrent assets plus other real estate owned to assets | 6.4166% | 344 |
| Noncurrent loans to loans | 7.3760% | 265 |
| Net loans and leases to total assets | 66.8377% | 2,495 |
| Net loans and leases to deposits | 91.8078% | 993 |
| Net loans and leases to core deposits | 94.0522% | 1,572 |
| Total domestic deposits to total assets | 72.8018% | 6,446 |
| Equity capital to assets | 12.2745% | 1,729 |
| Core capital (leverage) ratio | 11.5558% | 1,996 |
| Tier 1 risk-based capital ratio | 20.0222% | 1,729 |
| Total risk-based capital ratio | 21.3089% | 1,695 |
| Memoranda: | ||
| Average total assets | $296,168,500 | 2,179 |
| Average earning assets | $273,554,000 | 2,161 |
| Average equity | $34,940,500 | 1,986 |
| Average total loans | $224,974,500 | 1,823 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6923% | 1,589 |
| Cost of funding earning assets | 1.2107% | 206 |
| Net interest margin | 3.4816% | 3,857 |
| Noninterest income to average assets | 1.4954% | 703 |
| Noninterest expense to average assets | 3.5078% | 1,586 |
| Loan and lease loss provision to assets | 0.0402% | 4,150 |
| Net operating income to assets | 0.7296% | 3,674 |
| Return on assets (ROA) | 0.7296% | 3,838 |
| Pretax return on assets | 1.1601% | 2,842 |
| Return on Equity (ROE) | 6.2664% | 4,005 |
| Retained earnings to average equity (ytd only) | 6.2664% | 2,281 |
| Net charge-offs to loans | 0.6025% | 1,100 |
| Credit loss provision to net charge-offs | 8.5470% | 3,919 |
| Earnings coverage of net charge-offs (x) | 2.5499% | 3,672 |
| Efficiency ratio | 74.5051% | 3,028 |
| Assets per employee ($millions) | 2.8274% | 6,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1343% | 505 |
| Loan loss allowance to noncurrent loans | 40.1136% | 5,617 |
| Noncurrent assets plus other real estate owned to assets | 7.7345% | 281 |
| Noncurrent loans to loans | 7.8136% | 270 |
| Net loans and leases to total assets | 74.1978% | 1,222 |
| Net loans and leases to deposits | 102.1369% | 327 |
| Net loans and leases to core deposits | 104.4191% | 824 |
| Total domestic deposits to total assets | 72.6454% | 6,526 |
| Equity capital to assets | 12.2345% | 1,753 |
| Core capital (leverage) ratio | 11.5165% | 1,923 |
| Tier 1 risk-based capital ratio | 18.6986% | 2,081 |
| Total risk-based capital ratio | 19.9825% | 2,039 |
| Memoranda: | ||
| Average total assets | $298,246,330 | 2,175 |
| Average earning assets | $275,216,000 | 2,154 |
| Average equity | $34,724,670 | 2,005 |
| Average total loans | $233,046,330 | 1,767 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7459% | 1,412 |
| Cost of funding earning assets | 1.2484% | 194 |
| Net interest margin | 3.4975% | 3,708 |
| Noninterest income to average assets | 1.4183% | 755 |
| Noninterest expense to average assets | 3.5492% | 1,527 |
| Loan and lease loss provision to assets | 0.0396% | 3,934 |
| Net operating income to assets | 0.6597% | 3,904 |
| Return on assets (ROA) | 0.6597% | 4,065 |
| Pretax return on assets | 1.0529% | 3,134 |
| Return on Equity (ROE) | 5.8064% | 4,145 |
| Retained earnings to average equity (ytd only) | 5.8064% | 2,777 |
| Net charge-offs to loans | 0.9418% | 652 |
| Credit loss provision to net charge-offs | 5.3286% | 3,193 |
| Earnings coverage of net charge-offs (x) | 1.4707% | 3,345 |
| Efficiency ratio | 76.4639% | 2,850 |
| Assets per employee ($millions) | 2.9582% | 6,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0147% | 650 |
| Loan loss allowance to noncurrent loans | 37.5654% | 5,707 |
| Noncurrent assets plus other real estate owned to assets | 7.7277% | 333 |
| Noncurrent loans to loans | 8.0252% | 329 |
| Net loans and leases to total assets | 74.9857% | 963 |
| Net loans and leases to deposits | 101.2993% | 303 |
| Net loans and leases to core deposits | 103.9178% | 719 |
| Total domestic deposits to total assets | 74.0240% | 6,533 |
| Equity capital to assets | 11.4986% | 2,411 |
| Core capital (leverage) ratio | 10.8189% | 2,436 |
| Tier 1 risk-based capital ratio | 16.8413% | 2,838 |
| Total risk-based capital ratio | 18.1215% | 2,787 |
| Memoranda: | ||
| Average total assets | $303,170,500 | 2,167 |
| Average earning assets | $279,396,500 | 2,157 |
| Average equity | $34,445,000 | 2,053 |
| Average total loans | $239,115,000 | 1,731 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2227% | 1,077 |
| Cost of funding earning assets | 1.5173% | 152 |
| Net interest margin | 3.7054% | 3,620 |
| Noninterest income to average assets | 1.3622% | 840 |
| Noninterest expense to average assets | 3.2214% | 2,547 |
| Loan and lease loss provision to assets | 0.4879% | 1,245 |
| Net operating income to assets | 0.6333% | 4,071 |
| Return on assets (ROA) | 0.6333% | 4,341 |
| Pretax return on assets | 1.0116% | 3,513 |
| Return on Equity (ROE) | 6.0465% | 4,151 |
| Retained earnings to average equity (ytd only) | 6.0465% | 2,052 |
| Net charge-offs to loans | 0.5560% | 2,079 |
| Credit loss provision to net charge-offs | 106.2204% | 2,797 |
| Earnings coverage of net charge-offs (x) | 3.2644% | 3,799 |
| Efficiency ratio | 68.2368% | 4,098 |
| Assets per employee ($millions) | 2.9289% | 6,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0889% | 612 |
| Loan loss allowance to noncurrent loans | 36.1042% | 5,814 |
| Noncurrent assets plus other real estate owned to assets | 8.4804% | 314 |
| Noncurrent loans to loans | 8.5555% | 321 |
| Net loans and leases to total assets | 77.9278% | 684 |
| Net loans and leases to deposits | 104.7347% | 248 |
| Net loans and leases to core deposits | 106.9011% | 654 |
| Total domestic deposits to total assets | 74.4049% | 6,493 |
| Equity capital to assets | 11.2259% | 2,705 |
| Core capital (leverage) ratio | 10.5679% | 2,684 |
| Tier 1 risk-based capital ratio | 16.0903% | 3,115 |
| Total risk-based capital ratio | 17.3724% | 3,045 |
| Memoranda: | ||
| Average total assets | $321,975,200 | 1,999 |
| Average earning assets | $291,841,400 | 2,029 |
| Average equity | $33,721,800 | 2,048 |
| Average total loans | $266,022,400 | 1,560 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2530% | 1,096 |
| Cost of funding earning assets | 1.5607% | 151 |
| Net interest margin | 3.6923% | 3,832 |
| Noninterest income to average assets | 1.2241% | 995 |
| Noninterest expense to average assets | 3.0812% | 2,944 |
| Loan and lease loss provision to assets | 0.6256% | 849 |
| Net operating income to assets | 0.5303% | 4,708 |
| Return on assets (ROA) | 0.5303% | 4,977 |
| Pretax return on assets | 0.8552% | 4,279 |
| Return on Equity (ROE) | 5.1501% | 4,748 |
| Retained earnings to average equity (ytd only) | 5.1501% | 3,257 |
| Net charge-offs to loans | 0.7229% | 1,528 |
| Credit loss provision to net charge-offs | 104.0789% | 2,833 |
| Earnings coverage of net charge-offs (x) | 2.4636% | 4,055 |
| Efficiency ratio | 67.5414% | 4,164 |
| Assets per employee ($millions) | 3.1912% | 5,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8604% | 841 |
| Loan loss allowance to noncurrent loans | 35.2221% | 5,886 |
| Noncurrent assets plus other real estate owned to assets | 8.6530% | 328 |
| Noncurrent loans to loans | 8.1212% | 378 |
| Net loans and leases to total assets | 80.9850% | 431 |
| Net loans and leases to deposits | 110.5135% | 148 |
| Net loans and leases to core deposits | 112.8663% | 468 |
| Total domestic deposits to total assets | 73.2807% | 6,658 |
| Equity capital to assets | 10.5895% | 3,745 |
| Core capital (leverage) ratio | 9.9506% | 3,612 |
| Tier 1 risk-based capital ratio | 14.4844% | 4,190 |
| Total risk-based capital ratio | 15.7626% | 4,144 |
| Memoranda: | ||
| Average total assets | $326,316,750 | 1,994 |
| Average earning assets | $294,983,500 | 2,023 |
| Average equity | $33,603,500 | 2,066 |
| Average total loans | $271,292,750 | 1,535 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3159% | 1,020 |
| Cost of funding earning assets | 1.6127% | 146 |
| Net interest margin | 3.7032% | 3,800 |
| Noninterest income to average assets | 0.9243% | 1,694 |
| Noninterest expense to average assets | 3.0978% | 2,934 |
| Loan and lease loss provision to assets | 0.5670% | 1,076 |
| Net operating income to assets | 0.3554% | 5,406 |
| Return on assets (ROA) | 0.3554% | 5,626 |
| Pretax return on assets | 0.5877% | 5,184 |
| Return on Equity (ROE) | 3.4826% | 5,486 |
| Retained earnings to average equity (ytd only) | 3.4826% | 4,272 |
| Net charge-offs to loans | 0.3169% | 2,760 |
| Credit loss provision to net charge-offs | 215.4378% | 1,312 |
| Earnings coverage of net charge-offs (x) | 4.3871% | 3,105 |
| Efficiency ratio | 72.8465% | 3,265 |
| Assets per employee ($millions) | 3.2853% | 5,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9733% | 799 |
| Loan loss allowance to noncurrent loans | 34.0100% | 5,972 |
| Noncurrent assets plus other real estate owned to assets | 8.9857% | 340 |
| Noncurrent loans to loans | 8.7425% | 364 |
| Net loans and leases to total assets | 79.2140% | 591 |
| Net loans and leases to deposits | 106.6342% | 214 |
| Net loans and leases to core deposits | 109.0425% | 612 |
| Total domestic deposits to total assets | 74.2857% | 6,654 |
| Equity capital to assets | 9.9661% | 4,387 |
| Core capital (leverage) ratio | 9.3497% | 4,370 |
| Tier 1 risk-based capital ratio | 13.7131% | 4,653 |
| Total risk-based capital ratio | 14.9924% | 4,606 |
| Memoranda: | ||
| Average total assets | $329,780,670 | 1,967 |
| Average earning assets | $296,392,330 | 2,006 |
| Average equity | $33,653,000 | 2,057 |
| Average total loans | $273,928,330 | 1,532 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6450% | 578 |
| Cost of funding earning assets | 1.7271% | 115 |
| Net interest margin | 3.9180% | 2,848 |
| Noninterest income to average assets | 0.4407% | 4,365 |
| Noninterest expense to average assets | 2.9527% | 3,436 |
| Loan and lease loss provision to assets | 0.8232% | 583 |
| Net operating income to assets | 0.0787% | 6,279 |
| Return on assets (ROA) | 0.0787% | 6,397 |
| Pretax return on assets | 0.1416% | 6,316 |
| Return on Equity (ROE) | 0.7623% | 6,391 |
| Retained earnings to average equity (ytd only) | 0.7623% | 5,753 |
| Net charge-offs to loans | 0.3064% | 2,438 |
| Credit loss provision to net charge-offs | 320.7547% | 933 |
| Earnings coverage of net charge-offs (x) | 3.7594% | 2,760 |
| Efficiency ratio | 75.3708% | 2,873 |
| Assets per employee ($millions) | 3.3219% | 5,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8889% | 921 |
| Loan loss allowance to noncurrent loans | 34.3646% | 5,946 |
| Noncurrent assets plus other real estate owned to assets | 9.0320% | 387 |
| Noncurrent loans to loans | 8.4066% | 436 |
| Net loans and leases to total assets | 81.1804% | 325 |
| Net loans and leases to deposits | 108.9650% | 151 |
| Net loans and leases to core deposits | 111.5520% | 483 |
| Total domestic deposits to total assets | 74.5013% | 6,700 |
| Equity capital to assets | 9.7977% | 4,376 |
| Core capital (leverage) ratio | 9.0858% | 4,707 |
| Tier 1 risk-based capital ratio | 12.6829% | 5,462 |
| Total risk-based capital ratio | 13.9600% | 5,394 |
| Memoranda: | ||
| Average total assets | $330,404,500 | 1,973 |
| Average earning assets | $293,214,000 | 2,033 |
| Average equity | $34,108,500 | 2,027 |
| Average total loans | $276,783,000 | 1,525 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2499% | 1,875 |
| Cost of funding earning assets | 1.8537% | 178 |
| Net interest margin | 3.3962% | 5,491 |
| Noninterest income to average assets | 0.9599% | 1,472 |
| Noninterest expense to average assets | 2.7555% | 4,530 |
| Loan and lease loss provision to assets | 1.4752% | 508 |
| Net operating income to assets | -0.2057% | 6,263 |
| Return on assets (ROA) | -0.2224% | 6,345 |
| Pretax return on assets | -0.3625% | 6,394 |
| Return on Equity (ROE) | -2.0668% | 6,342 |
| Retained earnings to average equity (ytd only) | -2.0668% | 6,164 |
| Net charge-offs to loans | 0.0789% | 5,535 |
| Credit loss provision to net charge-offs | 2,339.3365% | 96 |
| Earnings coverage of net charge-offs (x) | 18.0569% | 1,235 |
| Efficiency ratio | 70.7598% | 3,815 |
| Assets per employee ($millions) | 3.4221% | 5,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6822% | 1,092 |
| Loan loss allowance to noncurrent loans | 30.7168% | 6,157 |
| Noncurrent assets plus other real estate owned to assets | 10.2526% | 316 |
| Noncurrent loans to loans | 8.7321% | 417 |
| Net loans and leases to total assets | 81.6934% | 362 |
| Net loans and leases to deposits | 116.8141% | 101 |
| Net loans and leases to core deposits | 119.1882% | 373 |
| Total domestic deposits to total assets | 69.9345% | 6,994 |
| Equity capital to assets | 10.8440% | 3,142 |
| Core capital (leverage) ratio | 9.2939% | 4,341 |
| Tier 1 risk-based capital ratio | 13.4474% | 4,737 |
| Total risk-based capital ratio | 14.7237% | 4,678 |
| Memoranda: | ||
| Average total assets | $334,602,400 | 1,934 |
| Average earning assets | $289,091,000 | 2,031 |
| Average equity | $35,998,400 | 1,887 |
| Average total loans | $267,551,800 | 1,575 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2137% | 2,155 |
| Cost of funding earning assets | 1.8823% | 188 |
| Net interest margin | 3.3314% | 5,767 |
| Noninterest income to average assets | 0.7134% | 2,521 |
| Noninterest expense to average assets | 2.5837% | 5,139 |
| Loan and lease loss provision to assets | 1.9152% | 296 |
| Net operating income to assets | -0.5629% | 6,672 |
| Return on assets (ROA) | -0.5850% | 6,732 |
| Pretax return on assets | -0.9365% | 6,849 |
| Return on Equity (ROE) | -5.4482% | 6,693 |
| Retained earnings to average equity (ytd only) | -5.4482% | 6,615 |
| Net charge-offs to loans | 0.1063% | 4,941 |
| Credit loss provision to net charge-offs | 2,282.4645% | 120 |
| Earnings coverage of net charge-offs (x) | 12.0757% | 1,742 |
| Efficiency ratio | 71.8297% | 3,585 |
| Assets per employee ($millions) | 3.4340% | 5,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7305% | 1,095 |
| Loan loss allowance to noncurrent loans | 34.9006% | 5,967 |
| Noncurrent assets plus other real estate owned to assets | 9.0359% | 442 |
| Noncurrent loans to loans | 7.8236% | 578 |
| Net loans and leases to total assets | 80.4506% | 475 |
| Net loans and leases to deposits | 115.1226% | 116 |
| Net loans and leases to core deposits | 117.1858% | 463 |
| Total domestic deposits to total assets | 69.8826% | 7,047 |
| Equity capital to assets | 10.6985% | 3,469 |
| Core capital (leverage) ratio | 9.1681% | 4,677 |
| Tier 1 risk-based capital ratio | 13.0704% | 5,045 |
| Total risk-based capital ratio | 14.3461% | 5,002 |
| Memoranda: | ||
| Average total assets | $335,266,750 | 1,934 |
| Average earning assets | $290,202,750 | 2,026 |
| Average equity | $35,999,000 | 1,880 |
| Average total loans | $264,777,000 | 1,606 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2318% | 2,135 |
| Cost of funding earning assets | 1.8976% | 206 |
| Net interest margin | 3.3343% | 5,757 |
| Noninterest income to average assets | 0.6199% | 3,005 |
| Noninterest expense to average assets | 2.6423% | 5,030 |
| Loan and lease loss provision to assets | 2.5515% | 204 |
| Net operating income to assets | -1.0971% | 6,975 |
| Return on assets (ROA) | -1.1117% | 6,986 |
| Pretax return on assets | -1.7121% | 7,115 |
| Return on Equity (ROE) | -10.3415% | 6,952 |
| Retained earnings to average equity (ytd only) | -10.3415% | 6,895 |
| Net charge-offs to loans | 0.1434% | 4,337 |
| Credit loss provision to net charge-offs | 2,287.7660% | 145 |
| Earnings coverage of net charge-offs (x) | 7.7287% | 2,178 |
| Efficiency ratio | 75.4021% | 3,118 |
| Assets per employee ($millions) | 3.4607% | 5,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8787% | 1,004 |
| Loan loss allowance to noncurrent loans | 37.6608% | 5,792 |
| Noncurrent assets plus other real estate owned to assets | 9.4303% | 437 |
| Noncurrent loans to loans | 7.6438% | 616 |
| Net loans and leases to total assets | 75.2389% | 1,195 |
| Net loans and leases to deposits | 107.3650% | 231 |
| Net loans and leases to core deposits | 108.9985% | 759 |
| Total domestic deposits to total assets | 70.0777% | 7,106 |
| Equity capital to assets | 10.4940% | 3,514 |
| Core capital (leverage) ratio | 9.0540% | 4,641 |
| Tier 1 risk-based capital ratio | 13.5882% | 4,461 |
| Total risk-based capital ratio | 14.8658% | 4,423 |
| Memoranda: | ||
| Average total assets | $337,134,670 | 1,934 |
| Average earning assets | $291,638,330 | 2,028 |
| Average equity | $36,242,330 | 1,845 |
| Average total loans | $262,149,000 | 1,642 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2719% | 1,970 |
| Cost of funding earning assets | 1.8911% | 259 |
| Net interest margin | 3.3809% | 5,499 |
| Noninterest income to average assets | 0.4924% | 3,950 |
| Noninterest expense to average assets | 2.6208% | 5,152 |
| Loan and lease loss provision to assets | 0.0353% | 5,536 |
| Net operating income to assets | 0.4806% | 4,573 |
| Return on assets (ROA) | 0.4535% | 4,789 |
| Pretax return on assets | 0.7315% | 4,183 |
| Return on Equity (ROE) | 4.1699% | 4,816 |
| Retained earnings to average equity (ytd only) | 4.1699% | 3,667 |
| Net charge-offs to loans | 0.0635% | 4,294 |
| Credit loss provision to net charge-offs | 71.4286% | 3,327 |
| Earnings coverage of net charge-offs (x) | 16.3571% | 1,271 |
| Efficiency ratio | 76.4080% | 3,090 |
| Assets per employee ($millions) | 3.7339% | 4,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3567% | 4,872 |
| Loan loss allowance to noncurrent loans | 58.7366% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 4.7848% | 1,331 |
| Noncurrent loans to loans | 2.3099% | 3,180 |
| Net loans and leases to total assets | 74.0150% | 1,342 |
| Net loans and leases to deposits | 105.6046% | 262 |
| Net loans and leases to core deposits | 106.4963% | 916 |
| Total domestic deposits to total assets | 70.0869% | 7,174 |
| Equity capital to assets | 10.9259% | 2,758 |
| Core capital (leverage) ratio | 9.6051% | 3,656 |
| Tier 1 risk-based capital ratio | 14.3145% | 3,858 |
| Total risk-based capital ratio | 15.5678% | 3,816 |
| Memoranda: | ||
| Average total assets | $339,588,500 | 1,934 |
| Average earning assets | $295,071,500 | 2,026 |
| Average equity | $36,931,500 | 1,800 |
| Average total loans | $264,537,000 | 1,644 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8617% | 1,129 |
| Cost of funding earning assets | 2.2242% | 280 |
| Net interest margin | 3.6375% | 4,630 |
| Noninterest income to average assets | 0.9275% | 1,750 |
| Noninterest expense to average assets | 2.5751% | 5,525 |
| Loan and lease loss provision to assets | 0.5240% | 3,055 |
| Net operating income to assets | 0.6146% | 3,610 |
| Return on assets (ROA) | 0.6583% | 3,540 |
| Pretax return on assets | 1.0362% | 2,827 |
| Return on Equity (ROE) | 6.4117% | 3,390 |
| Retained earnings to average equity (ytd only) | 6.4117% | 1,612 |
| Net charge-offs to loans | 0.3490% | 4,271 |
| Credit loss provision to net charge-offs | 185.8763% | 1,762 |
| Earnings coverage of net charge-offs (x) | 5.2918% | 2,668 |
| Efficiency ratio | 63.3174% | 5,458 |
| Assets per employee ($millions) | 3.6891% | 4,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2662% | 5,178 |
| Loan loss allowance to noncurrent loans | 97.3633% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 3.9500% | 1,724 |
| Noncurrent loans to loans | 1.3005% | 4,540 |
| Net loans and leases to total assets | 79.7461% | 691 |
| Net loans and leases to deposits | 114.3321% | 168 |
| Net loans and leases to core deposits | 115.9132% | 644 |
| Total domestic deposits to total assets | 69.7495% | 7,249 |
| Equity capital to assets | 10.8248% | 2,835 |
| Core capital (leverage) ratio | 9.5631% | 3,618 |
| Tier 1 risk-based capital ratio | 13.7967% | 3,993 |
| Total risk-based capital ratio | 15.0491% | 3,974 |
| Memoranda: | ||
| Average total assets | $344,060,000 | 1,897 |
| Average earning assets | $296,959,400 | 2,002 |
| Average equity | $35,326,200 | 1,877 |
| Average total loans | $277,898,400 | 1,608 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9253% | 1,076 |
| Cost of funding earning assets | 2.2365% | 342 |
| Net interest margin | 3.6888% | 4,463 |
| Noninterest income to average assets | 0.6747% | 2,987 |
| Noninterest expense to average assets | 2.5675% | 5,439 |
| Loan and lease loss provision to assets | 0.5689% | 2,657 |
| Net operating income to assets | 0.4533% | 4,525 |
| Return on assets (ROA) | 0.5113% | 4,455 |
| Pretax return on assets | 0.8083% | 3,873 |
| Return on Equity (ROE) | 5.0476% | 4,263 |
| Retained earnings to average equity (ytd only) | 5.0476% | 2,956 |
| Net charge-offs to loans | 0.4471% | 3,520 |
| Credit loss provision to net charge-offs | 157.5401% | 2,426 |
| Earnings coverage of net charge-offs (x) | 3.5626% | 3,400 |
| Efficiency ratio | 66.6199% | 4,724 |
| Assets per employee ($millions) | 3.6067% | 4,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1488% | 5,715 |
| Loan loss allowance to noncurrent loans | 92.3901% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 4.0198% | 1,738 |
| Noncurrent loans to loans | 1.2434% | 4,770 |
| Net loans and leases to total assets | 82.3231% | 458 |
| Net loans and leases to deposits | 120.4185% | 110 |
| Net loans and leases to core deposits | 121.7287% | 562 |
| Total domestic deposits to total assets | 68.3641% | 7,360 |
| Equity capital to assets | 10.4479% | 3,575 |
| Core capital (leverage) ratio | 9.2062% | 4,359 |
| Tier 1 risk-based capital ratio | 12.9219% | 4,637 |
| Total risk-based capital ratio | 14.1740% | 4,618 |
| Memoranda: | ||
| Average total assets | $345,226,000 | 1,920 |
| Average earning assets | $297,540,500 | 2,022 |
| Average equity | $34,973,000 | 1,915 |
| Average total loans | $278,841,500 | 1,630 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8886% | 1,215 |
| Cost of funding earning assets | 2.3340% | 304 |
| Net interest margin | 3.5546% | 5,029 |
| Noninterest income to average assets | 0.3415% | 5,421 |
| Noninterest expense to average assets | 2.3491% | 6,225 |
| Loan and lease loss provision to assets | 0.7963% | 1,816 |
| Net operating income to assets | 0.1558% | 5,699 |
| Return on assets (ROA) | 0.2427% | 5,545 |
| Pretax return on assets | 0.3964% | 5,239 |
| Return on Equity (ROE) | 2.4209% | 5,495 |
| Retained earnings to average equity (ytd only) | 2.4209% | 4,620 |
| Net charge-offs to loans | 0.6737% | 2,534 |
| Credit loss provision to net charge-offs | 147.8541% | 2,671 |
| Earnings coverage of net charge-offs (x) | 1.9624% | 4,050 |
| Efficiency ratio | 68.9684% | 4,385 |
| Assets per employee ($millions) | 3.6690% | 4,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2346% | 5,267 |
| Loan loss allowance to noncurrent loans | 176.3693% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 4.1522% | 1,632 |
| Noncurrent loans to loans | 0.7000% | 5,840 |
| Net loans and leases to total assets | 79.2695% | 907 |
| Net loans and leases to deposits | 118.6711% | 141 |
| Net loans and leases to core deposits | 119.8622% | 699 |
| Total domestic deposits to total assets | 66.7977% | 7,493 |
| Equity capital to assets | 10.2263% | 3,735 |
| Core capital (leverage) ratio | 8.9503% | 4,683 |
| Tier 1 risk-based capital ratio | 12.6474% | 4,735 |
| Total risk-based capital ratio | 13.8999% | 4,702 |
| Memoranda: | ||
| Average total assets | $346,090,330 | 1,931 |
| Average earning assets | $298,375,000 | 2,037 |
| Average equity | $34,698,000 | 1,926 |
| Average total loans | $276,674,000 | 1,653 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7435% | 1,631 |
| Cost of funding earning assets | 2.3964% | 308 |
| Net interest margin | 3.3470% | 5,798 |
| Noninterest income to average assets | 0.1102% | 7,146 |
| Noninterest expense to average assets | 2.5628% | 5,504 |
| Loan and lease loss provision to assets | 0.2158% | 4,349 |
| Net operating income to assets | 0.1212% | 5,963 |
| Return on assets (ROA) | 0.2938% | 5,450 |
| Pretax return on assets | 0.4866% | 5,010 |
| Return on Equity (ROE) | 2.9595% | 5,349 |
| Retained earnings to average equity (ytd only) | 2.9595% | 4,351 |
| Net charge-offs to loans | -0.0144% | 6,991 |
| Credit loss provision to net charge-offs | -1,880.0000% | 6,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5556% | 1,847 |
| Assets per employee ($millions) | 3.7445% | 4,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1922% | 5,541 |
| Loan loss allowance to noncurrent loans | 48.5958% | 5,097 |
| Noncurrent assets plus other real estate owned to assets | 5.5296% | 1,115 |
| Noncurrent loans to loans | 2.4532% | 3,221 |
| Net loans and leases to total assets | 80.3883% | 786 |
| Net loans and leases to deposits | 118.6713% | 153 |
| Net loans and leases to core deposits | 119.7090% | 797 |
| Total domestic deposits to total assets | 67.7403% | 7,543 |
| Equity capital to assets | 10.1919% | 3,622 |
| Core capital (leverage) ratio | 9.0134% | 4,543 |
| Tier 1 risk-based capital ratio | 12.7121% | 4,547 |
| Total risk-based capital ratio | 13.9644% | 4,511 |
| Memoranda: | ||
| Average total assets | $348,527,000 | 1,962 |
| Average earning assets | $300,446,000 | 2,074 |
| Average equity | $34,600,000 | 1,949 |
| Average total loans | $278,080,000 | 1,690 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0046% | 1,845 |
| Cost of funding earning assets | 2.7772% | 476 |
| Net interest margin | 3.2274% | 6,004 |
| Noninterest income to average assets | 0.2125% | 6,585 |
| Noninterest expense to average assets | 2.3232% | 6,682 |
| Loan and lease loss provision to assets | 0.7453% | 2,876 |
| Net operating income to assets | -0.0313% | 5,551 |
| Return on assets (ROA) | 0.2635% | 4,752 |
| Pretax return on assets | 0.3633% | 4,602 |
| Return on Equity (ROE) | 2.8243% | 4,574 |
| Retained earnings to average equity (ytd only) | 2.8243% | 3,190 |
| Net charge-offs to loans | 0.3249% | 4,612 |
| Credit loss provision to net charge-offs | 284.0336% | 1,183 |
| Earnings coverage of net charge-offs (x) | 2.6859% | 3,760 |
| Efficiency ratio | 76.7249% | 3,403 |
| Assets per employee ($millions) | 3.9154% | 3,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1293% | 5,751 |
| Loan loss allowance to noncurrent loans | 62.1915% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 4.9713% | 1,241 |
| Noncurrent loans to loans | 1.8159% | 3,902 |
| Net loans and leases to total assets | 77.4008% | 1,503 |
| Net loans and leases to deposits | 110.2740% | 375 |
| Net loans and leases to core deposits | 137.6803% | 886 |
| Total domestic deposits to total assets | 70.1895% | 7,412 |
| Equity capital to assets | 9.6746% | 4,180 |
| Core capital (leverage) ratio | 8.5562% | 5,177 |
| Tier 1 risk-based capital ratio | 12.2047% | 4,768 |
| Total risk-based capital ratio | 13.4548% | 4,729 |
| Memoranda: | ||
| Average total assets | $362,824,800 | 1,873 |
| Average earning assets | $316,508,800 | 1,970 |
| Average equity | $33,849,000 | 1,979 |
| Average total loans | $292,996,800 | 1,634 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0656% | 1,775 |
| Cost of funding earning assets | 2.7922% | 608 |
| Net interest margin | 3.2734% | 5,737 |
| Noninterest income to average assets | 0.1416% | 7,167 |
| Noninterest expense to average assets | 2.2510% | 6,836 |
| Loan and lease loss provision to assets | 0.8890% | 2,166 |
| Net operating income to assets | -0.1101% | 5,905 |
| Return on assets (ROA) | 0.2169% | 5,180 |
| Pretax return on assets | 0.2601% | 5,168 |
| Return on Equity (ROE) | 2.3466% | 5,048 |
| Retained earnings to average equity (ytd only) | 2.3466% | 4,016 |
| Net charge-offs to loans | 0.4267% | 3,550 |
| Credit loss provision to net charge-offs | 256.0590% | 1,672 |
| Earnings coverage of net charge-offs (x) | 2.1749% | 4,199 |
| Efficiency ratio | 74.8813% | 3,712 |
| Assets per employee ($millions) | 4.0030% | 3,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0513% | 6,001 |
| Loan loss allowance to noncurrent loans | 40.8169% | 5,613 |
| Noncurrent assets plus other real estate owned to assets | 5.0964% | 1,147 |
| Noncurrent loans to loans | 2.5757% | 2,929 |
| Net loans and leases to total assets | 77.1301% | 1,761 |
| Net loans and leases to deposits | 113.3283% | 351 |
| Net loans and leases to core deposits | 141.5782% | 847 |
| Total domestic deposits to total assets | 68.0590% | 7,564 |
| Equity capital to assets | 9.2615% | 5,077 |
| Core capital (leverage) ratio | 8.1415% | 6,119 |
| Tier 1 risk-based capital ratio | 11.8528% | 5,103 |
| Total risk-based capital ratio | 13.0937% | 5,052 |
| Memoranda: | ||
| Average total assets | $364,455,000 | 1,876 |
| Average earning assets | $318,927,250 | 1,973 |
| Average equity | $33,693,500 | 2,013 |
| Average total loans | $296,513,000 | 1,638 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1617% | 1,592 |
| Cost of funding earning assets | 2.8700% | 655 |
| Net interest margin | 3.2918% | 5,586 |
| Noninterest income to average assets | 0.1878% | 6,953 |
| Noninterest expense to average assets | 2.3349% | 6,658 |
| Loan and lease loss provision to assets | 1.2126% | 1,421 |
| Net operating income to assets | -0.3157% | 6,341 |
| Return on assets (ROA) | 0.0589% | 5,771 |
| Pretax return on assets | 0.1008% | 5,674 |
| Return on Equity (ROE) | 0.6378% | 5,743 |
| Retained earnings to average equity (ytd only) | 0.6378% | 4,937 |
| Net charge-offs to loans | 0.6334% | 2,453 |
| Credit loss provision to net charge-offs | 232.0337% | 1,992 |
| Earnings coverage of net charge-offs (x) | 1.3930% | 4,485 |
| Efficiency ratio | 76.2316% | 3,644 |
| Assets per employee ($millions) | 4.0803% | 3,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9820% | 6,365 |
| Loan loss allowance to noncurrent loans | 48.8983% | 5,082 |
| Noncurrent assets plus other real estate owned to assets | 5.0039% | 1,063 |
| Noncurrent loans to loans | 2.0083% | 3,509 |
| Net loans and leases to total assets | 78.3434% | 1,673 |
| Net loans and leases to deposits | 112.1090% | 473 |
| Net loans and leases to core deposits | 135.8166% | 1,222 |
| Total domestic deposits to total assets | 69.8814% | 7,485 |
| Equity capital to assets | 9.0553% | 5,235 |
| Core capital (leverage) ratio | 7.7861% | 6,633 |
| Tier 1 risk-based capital ratio | 11.0665% | 5,813 |
| Total risk-based capital ratio | 12.2218% | 5,837 |
| Memoranda: | ||
| Average total assets | $363,180,330 | 1,908 |
| Average earning assets | $317,215,330 | 2,007 |
| Average equity | $33,555,330 | 2,029 |
| Average total loans | $299,660,000 | 1,651 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2358% | 1,487 |
| Cost of funding earning assets | 2.9272% | 723 |
| Net interest margin | 3.3086% | 5,466 |
| Noninterest income to average assets | 0.1626% | 7,141 |
| Noninterest expense to average assets | 2.3112% | 6,498 |
| Loan and lease loss provision to assets | 1.1940% | 1,085 |
| Net operating income to assets | -0.2914% | 6,668 |
| Return on assets (ROA) | 0.0123% | 6,383 |
| Pretax return on assets | 0.0212% | 6,342 |
| Return on Equity (ROE) | 0.1313% | 6,382 |
| Retained earnings to average equity (ytd only) | 0.1313% | 5,607 |
| Net charge-offs to loans | 1.2452% | 1,126 |
| Credit loss provision to net charge-offs | 113.8004% | 3,413 |
| Earnings coverage of net charge-offs (x) | 0.7059% | 4,446 |
| Efficiency ratio | 75.7299% | 3,531 |
| Assets per employee ($millions) | 4.2054% | 3,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9456% | 6,527 |
| Loan loss allowance to noncurrent loans | 69.0203% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 4.6861% | 1,002 |
| Noncurrent loans to loans | 1.3700% | 4,262 |
| Net loans and leases to total assets | 79.9633% | 1,394 |
| Net loans and leases to deposits | 114.3296% | 435 |
| Net loans and leases to core deposits | 138.5786% | 1,169 |
| Total domestic deposits to total assets | 69.9410% | 7,429 |
| Equity capital to assets | 9.0595% | 5,281 |
| Core capital (leverage) ratio | 7.7714% | 6,787 |
| Tier 1 risk-based capital ratio | 10.6937% | 6,190 |
| Total risk-based capital ratio | 11.7861% | 6,271 |
| Memoranda: | ||
| Average total assets | $359,116,000 | 1,935 |
| Average earning assets | $313,610,500 | 2,042 |
| Average equity | $33,521,500 | 2,023 |
| Average total loans | $302,599,500 | 1,654 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7204% | 1,956 |
| Cost of funding earning assets | 3.3434% | 825 |
| Net interest margin | 3.3770% | 5,758 |
| Noninterest income to average assets | 0.3258% | 6,116 |
| Noninterest expense to average assets | 2.0064% | 7,427 |
| Loan and lease loss provision to assets | 0.2799% | 4,155 |
| Net operating income to assets | 0.6664% | 4,038 |
| Return on assets (ROA) | 0.6196% | 4,080 |
| Pretax return on assets | 0.9284% | 3,630 |
| Return on Equity (ROE) | 6.6202% | 3,702 |
| Retained earnings to average equity (ytd only) | 6.6202% | 1,287 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0843% | 6,143 |
| Assets per employee ($millions) | 4.0018% | 3,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8791% | 6,779 |
| Loan loss allowance to noncurrent loans | 34.4149% | 6,436 |
| Noncurrent assets plus other real estate owned to assets | 3.6897% | 1,179 |
| Noncurrent loans to loans | 2.5544% | 2,132 |
| Net loans and leases to total assets | 87.2468% | 446 |
| Net loans and leases to deposits | 129.8015% | 214 |
| Net loans and leases to core deposits | 152.9789% | 750 |
| Total domestic deposits to total assets | 67.2156% | 7,550 |
| Equity capital to assets | 9.6267% | 4,511 |
| Core capital (leverage) ratio | 8.0227% | 6,453 |
| Tier 1 risk-based capital ratio | 10.3700% | 6,344 |
| Total risk-based capital ratio | 11.4128% | 6,420 |
| Memoranda: | ||
| Average total assets | $346,495,600 | 1,921 |
| Average earning assets | $303,583,800 | 2,011 |
| Average equity | $32,430,800 | 2,090 |
| Average total loans | $302,559,200 | 1,598 |