Home > Abacus Federal Savings Bank > Performance and Condition Ratios
Abacus Federal Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3091% | 1,481 |
| Cost of funding earning assets | 0.8851% | 3,551 |
| Net interest margin | 4.4240% | 688 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 3.9793% | 374 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.5394% | 3,592 |
| Return on assets (ROA) | 0.5394% | 3,579 |
| Pretax return on assets | 0.7664% | 3,296 |
| Return on Equity (ROE) | 3.2700% | 3,978 |
| Retained earnings to average equity (ytd only) | 3.2685% | 3,200 |
| 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 | 83.6619% | 680 |
| Assets per employee ($millions) | 4.0298% | 4,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1721% | 2,449 |
| Loan loss allowance to noncurrent loans | 192.2186% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 0.4824% | 1,162 |
| Noncurrent loans to loans | 0.6098% | 1,291 |
| Net loans and leases to total assets | 78.1800% | 851 |
| Net loans and leases to deposits | 94.7950% | 882 |
| Net loans and leases to core deposits | 110.7273% | 930 |
| Total domestic deposits to total assets | 82.4700% | 3,034 |
| Equity capital to assets | 16.6093% | 413 |
| Core capital (leverage) ratio | 15.0177% | 625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.3080% | 234 |
| Memoranda: | ||
| Average total assets | $318,877,800 | 2,326 |
| Average earning assets | $302,444,200 | 2,291 |
| Average equity | $52,623,200 | 1,540 |
| Average total loans | $253,453,000 | 1,987 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1836% | 1,486 |
| Cost of funding earning assets | 0.7604% | 3,634 |
| Net interest margin | 4.4233% | 681 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 3.9210% | 376 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.5576% | 3,646 |
| Return on assets (ROA) | 0.5576% | 3,631 |
| Pretax return on assets | 0.7954% | 3,342 |
| Return on Equity (ROE) | 3.3800% | 4,063 |
| Retained earnings to average equity (ytd only) | 3.3846% | 3,420 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 82.8858% | 675 |
| Assets per employee ($millions) | 4.2523% | 4,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1639% | 2,551 |
| Loan loss allowance to noncurrent loans | 224.3994% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 0.4122% | 1,407 |
| Noncurrent loans to loans | 0.5187% | 1,527 |
| Net loans and leases to total assets | 78.5400% | 816 |
| Net loans and leases to deposits | 94.9530% | 824 |
| Net loans and leases to core deposits | 113.3320% | 759 |
| Total domestic deposits to total assets | 82.7100% | 3,067 |
| Equity capital to assets | 16.4482% | 422 |
| Core capital (leverage) ratio | 14.7735% | 667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.1583% | 247 |
| Memoranda: | ||
| Average total assets | $318,002,250 | 2,331 |
| Average earning assets | $301,429,250 | 2,298 |
| Average equity | $52,392,750 | 1,537 |
| Average total loans | $253,063,250 | 1,987 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0319% | 1,510 |
| Cost of funding earning assets | 0.6142% | 3,712 |
| Net interest margin | 4.4177% | 687 |
| Noninterest income to average assets | 0.5400% | 1,717 |
| Noninterest expense to average assets | 4.0294% | 335 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.4641% | 3,883 |
| Return on assets (ROA) | 0.4641% | 3,886 |
| Pretax return on assets | 0.6785% | 3,649 |
| Return on Equity (ROE) | 2.8200% | 4,185 |
| Retained earnings to average equity (ytd only) | 2.8156% | 3,532 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 85.3240% | 529 |
| Assets per employee ($millions) | 4.2621% | 4,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1811% | 2,539 |
| Loan loss allowance to noncurrent loans | 147.1344% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 0.6167% | 866 |
| Noncurrent loans to loans | 0.8028% | 950 |
| Net loans and leases to total assets | 75.9200% | 1,062 |
| Net loans and leases to deposits | 91.4256% | 1,069 |
| Net loans and leases to core deposits | 111.7844% | 755 |
| Total domestic deposits to total assets | 83.0400% | 3,038 |
| Equity capital to assets | 16.0132% | 447 |
| Core capital (leverage) ratio | 14.9434% | 599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.3730% | 255 |
| Memoranda: | ||
| Average total assets | $316,279,000 | 2,351 |
| Average earning assets | $299,571,000 | 2,318 |
| Average equity | $52,138,333 | 1,542 |
| Average total loans | $251,816,000 | 1,997 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8657% | 1,474 |
| Cost of funding earning assets | 0.4126% | 3,931 |
| Net interest margin | 4.4531% | 623 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 4.1208% | 332 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3184% | 4,223 |
| Return on assets (ROA) | 0.3184% | 4,183 |
| Pretax return on assets | 0.4988% | 3,993 |
| Return on Equity (ROE) | 1.9000% | 4,317 |
| Retained earnings to average equity (ytd only) | 1.9025% | 3,718 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 89.2020% | 382 |
| Assets per employee ($millions) | 3.9756% | 4,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1712% | 2,708 |
| Loan loss allowance to noncurrent loans | 127.7010% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 0.7930% | 605 |
| Noncurrent loans to loans | 0.9171% | 822 |
| Net loans and leases to total assets | 80.4100% | 504 |
| Net loans and leases to deposits | 97.8369% | 546 |
| Net loans and leases to core deposits | 115.3709% | 550 |
| Total domestic deposits to total assets | 82.1900% | 3,455 |
| Equity capital to assets | 16.7894% | 358 |
| Core capital (leverage) ratio | 15.3365% | 534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6563% | 269 |
| Memoranda: | ||
| Average total assets | $310,326,000 | 2,408 |
| Average earning assets | $293,730,000 | 2,380 |
| Average equity | $51,931,000 | 1,567 |
| Average total loans | $251,658,500 | 2,018 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9646% | 1,814 |
| Cost of funding earning assets | 0.2552% | 3,280 |
| Net interest margin | 3.7093% | 1,358 |
| Noninterest income to average assets | 0.7400% | 1,154 |
| Noninterest expense to average assets | 3.6773% | 422 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4008% | 4,242 |
| Return on assets (ROA) | 0.4008% | 4,203 |
| Pretax return on assets | 0.5825% | 4,059 |
| Return on Equity (ROE) | 2.5600% | 4,336 |
| Retained earnings to average equity (ytd only) | 2.5597% | 3,836 |
| Net charge-offs to loans | 0.0182% | 1,737 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 43.2727% | 1,455 |
| Efficiency ratio | 86.3248% | 411 |
| Assets per employee ($millions) | 3.6111% | 4,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1773% | 2,506 |
| Loan loss allowance to noncurrent loans | 270.1097% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 0.3990% | 1,285 |
| Noncurrent loans to loans | 0.4358% | 1,617 |
| Net loans and leases to total assets | 79.8700% | 608 |
| Net loans and leases to deposits | 97.1176% | 581 |
| Net loans and leases to core deposits | 112.9338% | 518 |
| Total domestic deposits to total assets | 82.2400% | 3,579 |
| Equity capital to assets | 16.6794% | 349 |
| Core capital (leverage) ratio | 14.8768% | 588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.3527% | 255 |
| Memoranda: | ||
| Average total assets | $326,846,400 | 2,312 |
| Average earning assets | $310,324,600 | 2,281 |
| Average equity | $51,177,400 | 1,590 |
| Average total loans | $241,096,000 | 1,994 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7219% | 1,970 |
| Cost of funding earning assets | 0.2430% | 2,780 |
| Net interest margin | 3.4789% | 1,723 |
| Noninterest income to average assets | 0.8400% | 949 |
| Noninterest expense to average assets | 3.5573% | 462 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3969% | 4,246 |
| Return on assets (ROA) | 0.3969% | 4,193 |
| Pretax return on assets | 0.5907% | 4,006 |
| Return on Equity (ROE) | 2.5700% | 4,352 |
| Retained earnings to average equity (ytd only) | 2.5740% | 3,900 |
| Net charge-offs to loans | 0.0246% | 1,337 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 33.3182% | 1,472 |
| Efficiency ratio | 85.7601% | 467 |
| Assets per employee ($millions) | 4.0233% | 4,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2388% | 2,327 |
| Loan loss allowance to noncurrent loans | 270.1097% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.3799% | 1,422 |
| Noncurrent loans to loans | 0.4586% | 1,657 |
| Net loans and leases to total assets | 72.2900% | 1,259 |
| Net loans and leases to deposits | 86.9464% | 1,107 |
| Net loans and leases to core deposits | 100.3292% | 795 |
| Total domestic deposits to total assets | 83.1400% | 3,663 |
| Equity capital to assets | 15.7903% | 385 |
| Core capital (leverage) ratio | 14.0985% | 667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.1712% | 244 |
| Memoranda: | ||
| Average total assets | $330,918,750 | 2,314 |
| Average earning assets | $314,420,750 | 2,280 |
| Average equity | $51,022,000 | 1,623 |
| Average total loans | $238,618,750 | 2,004 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5413% | 2,013 |
| Cost of funding earning assets | 0.2418% | 2,372 |
| Net interest margin | 3.2995% | 1,913 |
| Noninterest income to average assets | 0.8936% | 859 |
| Noninterest expense to average assets | 3.4594% | 453 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3800% | 4,145 |
| Return on assets (ROA) | 0.3800% | 4,099 |
| Pretax return on assets | 0.5689% | 3,875 |
| Return on Equity (ROE) | 2.4844% | 4,295 |
| Retained earnings to average equity (ytd only) | 2.4844% | 3,621 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8785% | 580 |
| Assets per employee ($millions) | 4.3285% | 4,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2580% | 2,388 |
| Loan loss allowance to noncurrent loans | 550.2752% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.1635% | 2,559 |
| Noncurrent loans to loans | 0.2286% | 2,578 |
| Net loans and leases to total assets | 70.6249% | 1,244 |
| Net loans and leases to deposits | 84.4536% | 1,089 |
| Net loans and leases to core deposits | 97.1237% | 789 |
| Total domestic deposits to total assets | 83.6257% | 3,769 |
| Equity capital to assets | 15.3467% | 378 |
| Core capital (leverage) ratio | 13.8316% | 663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.7608% | 213 |
| Memoranda: | ||
| Average total assets | $332,597,000 | 2,314 |
| Average earning assets | $315,988,667 | 2,294 |
| Average equity | $50,876,667 | 1,655 |
| Average total loans | $238,645,667 | 2,004 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4944% | 1,831 |
| Cost of funding earning assets | 0.2623% | 2,019 |
| Net interest margin | 3.2321% | 1,775 |
| Noninterest income to average assets | 0.9776% | 711 |
| Noninterest expense to average assets | 3.3084% | 531 |
| Loan and lease loss provision to assets | -0.0229% | 4,456 |
| Net operating income to assets | 0.5333% | 3,615 |
| Return on assets (ROA) | 0.5333% | 3,584 |
| Pretax return on assets | 0.7633% | 3,216 |
| Return on Equity (ROE) | 3.4923% | 3,998 |
| Retained earnings to average equity (ytd only) | 3.4923% | 3,124 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7128% | 1,008 |
| Assets per employee ($millions) | 4.2560% | 4,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2450% | 2,627 |
| Loan loss allowance to noncurrent loans | 550.2752% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.1663% | 2,633 |
| Noncurrent loans to loans | 0.2263% | 2,693 |
| Net loans and leases to total assets | 72.5859% | 783 |
| Net loans and leases to deposits | 87.0731% | 672 |
| Net loans and leases to core deposits | 100.1233% | 510 |
| Total domestic deposits to total assets | 83.3621% | 3,892 |
| Equity capital to assets | 15.5504% | 351 |
| Core capital (leverage) ratio | 13.8406% | 605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.1286% | 222 |
| Memoranda: | ||
| Average total assets | $332,247,500 | 2,330 |
| Average earning assets | $315,707,000 | 2,306 |
| Average equity | $50,740,000 | 1,719 |
| Average total loans | $238,774,000 | 1,999 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5872% | 2,426 |
| Cost of funding earning assets | 0.5231% | 828 |
| Net interest margin | 3.0641% | 3,011 |
| Noninterest income to average assets | 1.1865% | 754 |
| Noninterest expense to average assets | 3.4023% | 544 |
| Loan and lease loss provision to assets | -0.0853% | 4,493 |
| Net operating income to assets | 0.5723% | 3,934 |
| Return on assets (ROA) | 0.5723% | 3,977 |
| Pretax return on assets | 0.7934% | 3,741 |
| Return on Equity (ROE) | 3.9846% | 4,218 |
| Retained earnings to average equity (ytd only) | 3.9846% | 3,225 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7720% | 631 |
| Assets per employee ($millions) | 4.1071% | 4,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2752% | 2,475 |
| Loan loss allowance to noncurrent loans | 553.7615% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.1618% | 2,809 |
| Noncurrent loans to loans | 0.2303% | 2,808 |
| Net loans and leases to total assets | 69.3794% | 1,114 |
| Net loans and leases to deposits | 82.0525% | 1,064 |
| Net loans and leases to core deposits | 97.6100% | 632 |
| Total domestic deposits to total assets | 84.5549% | 3,408 |
| Equity capital to assets | 15.0006% | 493 |
| Core capital (leverage) ratio | 13.5733% | 683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.1184% | 235 |
| Memoranda: | ||
| Average total assets | $345,972,800 | 2,218 |
| Average earning assets | $330,150,400 | 2,185 |
| Average equity | $49,691,600 | 1,777 |
| Average total loans | $257,274,000 | 1,892 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6563% | 2,393 |
| Cost of funding earning assets | 0.5907% | 667 |
| Net interest margin | 3.0656% | 3,139 |
| Noninterest income to average assets | 1.2032% | 783 |
| Noninterest expense to average assets | 3.3027% | 597 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6053% | 4,000 |
| Return on assets (ROA) | 0.6053% | 4,048 |
| Pretax return on assets | 0.8273% | 3,839 |
| Return on Equity (ROE) | 4.2598% | 4,261 |
| Retained earnings to average equity (ytd only) | 4.2598% | 3,492 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9685% | 748 |
| Assets per employee ($millions) | 3.6443% | 4,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3719% | 2,138 |
| Loan loss allowance to noncurrent loans | 607.8899% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.1662% | 3,011 |
| Noncurrent loans to loans | 0.2257% | 3,042 |
| Net loans and leases to total assets | 72.6155% | 814 |
| Net loans and leases to deposits | 86.2323% | 815 |
| Net loans and leases to core deposits | 99.4131% | 611 |
| Total domestic deposits to total assets | 84.2092% | 3,402 |
| Equity capital to assets | 15.2807% | 500 |
| Core capital (leverage) ratio | 12.9329% | 862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.9204% | 277 |
| Memoranda: | ||
| Average total assets | $348,271,000 | 2,227 |
| Average earning assets | $332,499,000 | 2,197 |
| Average equity | $49,484,750 | 1,794 |
| Average total loans | $262,424,000 | 1,900 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6294% | 2,533 |
| Cost of funding earning assets | 0.6357% | 618 |
| Net interest margin | 2.9937% | 3,342 |
| Noninterest income to average assets | 1.3514% | 649 |
| Noninterest expense to average assets | 3.1980% | 724 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7611% | 3,612 |
| Return on assets (ROA) | 0.7611% | 3,677 |
| Pretax return on assets | 1.0134% | 3,413 |
| Return on Equity (ROE) | 5.4837% | 4,036 |
| Retained earnings to average equity (ytd only) | 5.4837% | 3,002 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9363% | 1,088 |
| Assets per employee ($millions) | 3.7674% | 4,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3177% | 2,350 |
| Loan loss allowance to noncurrent loans | 609.9083% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.1539% | 3,231 |
| Noncurrent loans to loans | 0.2160% | 3,183 |
| Net loans and leases to total assets | 70.2942% | 1,160 |
| Net loans and leases to deposits | 82.3159% | 1,196 |
| Net loans and leases to core deposits | 105.5215% | 486 |
| Total domestic deposits to total assets | 85.3956% | 2,944 |
| Equity capital to assets | 14.0874% | 700 |
| Core capital (leverage) ratio | 12.2537% | 1,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.0280% | 300 |
| Memoranda: | ||
| Average total assets | $355,031,667 | 2,180 |
| Average earning assets | $339,178,667 | 2,141 |
| Average equity | $49,273,333 | 1,795 |
| Average total loans | $269,404,000 | 1,879 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6561% | 2,482 |
| Cost of funding earning assets | 0.6726% | 607 |
| Net interest margin | 2.9836% | 3,302 |
| Noninterest income to average assets | 1.6406% | 524 |
| Noninterest expense to average assets | 3.2295% | 685 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9621% | 2,923 |
| Return on assets (ROA) | 0.9621% | 3,018 |
| Pretax return on assets | 1.2614% | 2,674 |
| Return on Equity (ROE) | 6.9845% | 3,612 |
| Retained earnings to average equity (ytd only) | 6.9845% | 2,585 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9118% | 1,504 |
| Assets per employee ($millions) | 4.1239% | 4,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2399% | 2,718 |
| Loan loss allowance to noncurrent loans | 609.9083% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.1519% | 3,407 |
| Noncurrent loans to loans | 0.2033% | 3,381 |
| Net loans and leases to total assets | 73.7961% | 835 |
| Net loans and leases to deposits | 86.0767% | 958 |
| Net loans and leases to core deposits | 109.9527% | 409 |
| Total domestic deposits to total assets | 85.7330% | 2,844 |
| Equity capital to assets | 13.7667% | 723 |
| Core capital (leverage) ratio | 12.2683% | 1,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7948% | 364 |
| Memoranda: | ||
| Average total assets | $355,478,000 | 2,160 |
| Average earning assets | $339,594,000 | 2,126 |
| Average equity | $48,965,500 | 1,790 |
| Average total loans | $277,974,500 | 1,845 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0309% | 2,635 |
| Cost of funding earning assets | 0.8666% | 966 |
| Net interest margin | 3.1643% | 3,455 |
| Noninterest income to average assets | 0.7564% | 1,668 |
| Noninterest expense to average assets | 3.1124% | 1,203 |
| Loan and lease loss provision to assets | 0.0934% | 3,185 |
| Net operating income to assets | 0.4432% | 4,157 |
| Return on assets (ROA) | 0.4432% | 4,236 |
| Pretax return on assets | 0.5743% | 4,136 |
| Return on Equity (ROE) | 3.2952% | 4,304 |
| Retained earnings to average equity (ytd only) | 3.2952% | 3,181 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3359% | 728 |
| Assets per employee ($millions) | 4.0020% | 4,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1547% | 3,189 |
| Loan loss allowance to noncurrent loans | 609.9083% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.1548% | 3,503 |
| Noncurrent loans to loans | 0.1893% | 3,535 |
| Net loans and leases to total assets | 80.7935% | 376 |
| Net loans and leases to deposits | 94.1514% | 648 |
| Net loans and leases to core deposits | 120.8575% | 300 |
| Total domestic deposits to total assets | 85.8122% | 2,450 |
| Equity capital to assets | 13.7826% | 847 |
| Core capital (leverage) ratio | 11.9899% | 1,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8687% | 449 |
| Memoranda: | ||
| Average total assets | $355,385,200 | 2,024 |
| Average earning assets | $339,605,400 | 1,987 |
| Average equity | $47,796,200 | 1,764 |
| Average total loans | $294,971,400 | 1,702 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0397% | 2,863 |
| Cost of funding earning assets | 0.9075% | 1,042 |
| Net interest margin | 3.1322% | 3,663 |
| Noninterest income to average assets | 0.6087% | 2,143 |
| Noninterest expense to average assets | 2.7816% | 2,019 |
| Loan and lease loss provision to assets | 0.0373% | 3,885 |
| Net operating income to assets | 0.5854% | 3,812 |
| Return on assets (ROA) | 0.5854% | 3,916 |
| Pretax return on assets | 0.7831% | 3,693 |
| Return on Equity (ROE) | 4.3799% | 4,071 |
| Retained earnings to average equity (ytd only) | 4.3799% | 2,856 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2212% | 1,107 |
| Assets per employee ($millions) | 4.3348% | 4,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0482% | 3,468 |
| Loan loss allowance to noncurrent loans | 1,048.1356% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.0820% | 4,023 |
| Noncurrent loans to loans | 0.1000% | 3,975 |
| Net loans and leases to total assets | 81.1240% | 510 |
| Net loans and leases to deposits | 94.2670% | 903 |
| Net loans and leases to core deposits | 120.6088% | 400 |
| Total domestic deposits to total assets | 86.0577% | 2,040 |
| Equity capital to assets | 13.4906% | 1,003 |
| Core capital (leverage) ratio | 11.7637% | 1,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2988% | 495 |
| Memoranda: | ||
| Average total assets | $356,187,250 | 2,002 |
| Average earning assets | $340,411,000 | 1,957 |
| Average equity | $47,610,500 | 1,756 |
| Average total loans | $296,749,250 | 1,693 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0578% | 3,168 |
| Cost of funding earning assets | 0.9580% | 1,118 |
| Net interest margin | 3.0998% | 3,904 |
| Noninterest income to average assets | 0.5071% | 2,534 |
| Noninterest expense to average assets | 2.7483% | 2,224 |
| Loan and lease loss provision to assets | 0.0394% | 3,785 |
| Net operating income to assets | 0.5048% | 4,005 |
| Return on assets (ROA) | 0.5048% | 4,079 |
| Pretax return on assets | 0.6817% | 3,908 |
| Return on Equity (ROE) | 3.7885% | 4,167 |
| Retained earnings to average equity (ytd only) | 3.7885% | 3,014 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2140% | 941 |
| Assets per employee ($millions) | 4.5126% | 3,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0311% | 3,405 |
| Loan loss allowance to noncurrent loans | 288.1468% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.2908% | 3,152 |
| Noncurrent loans to loans | 0.3578% | 3,117 |
| Net loans and leases to total assets | 80.4349% | 552 |
| Net loans and leases to deposits | 93.0270% | 1,050 |
| Net loans and leases to core deposits | 118.9829% | 453 |
| Total domestic deposits to total assets | 86.4641% | 1,816 |
| Equity capital to assets | 13.0982% | 1,127 |
| Core capital (leverage) ratio | 11.6940% | 1,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7535% | 519 |
| Memoranda: | ||
| Average total assets | $354,986,000 | 1,984 |
| Average earning assets | $339,249,333 | 1,946 |
| Average equity | $47,301,333 | 1,755 |
| Average total loans | $297,342,667 | 1,675 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2952% | 2,939 |
| Cost of funding earning assets | 1.0378% | 1,267 |
| Net interest margin | 3.2573% | 3,697 |
| Noninterest income to average assets | 0.1567% | 4,590 |
| Noninterest expense to average assets | 3.1214% | 1,584 |
| Loan and lease loss provision to assets | 0.0229% | 3,521 |
| Net operating income to assets | 0.0606% | 4,702 |
| Return on assets (ROA) | 0.0606% | 4,695 |
| Pretax return on assets | 0.1212% | 4,643 |
| Return on Equity (ROE) | 0.4509% | 4,697 |
| Retained earnings to average equity (ytd only) | 0.4509% | 3,894 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5867% | 337 |
| Assets per employee ($millions) | 3.6815% | 4,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0115% | 3,641 |
| Loan loss allowance to noncurrent loans | 1,315.7205% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.0662% | 4,270 |
| Noncurrent loans to loans | 0.0769% | 4,205 |
| Net loans and leases to total assets | 85.2038% | 188 |
| Net loans and leases to deposits | 99.0330% | 621 |
| Net loans and leases to core deposits | 128.4254% | 292 |
| Total domestic deposits to total assets | 86.0357% | 1,989 |
| Equity capital to assets | 13.5892% | 1,183 |
| Core capital (leverage) ratio | 11.7745% | 1,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5014% | 697 |
| Memoranda: | ||
| Average total assets | $349,717,500 | 1,962 |
| Average earning assets | $333,769,500 | 1,919 |
| Average equity | $47,013,500 | 1,758 |
| Average total loans | $297,478,500 | 1,656 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3919% | 3,274 |
| Cost of funding earning assets | 1.0626% | 1,463 |
| Net interest margin | 3.3293% | 3,920 |
| Noninterest income to average assets | 0.5480% | 2,492 |
| Noninterest expense to average assets | 2.9169% | 2,242 |
| Loan and lease loss provision to assets | 0.0282% | 3,452 |
| Net operating income to assets | 0.5910% | 4,187 |
| Return on assets (ROA) | 0.5910% | 4,243 |
| Pretax return on assets | 0.7760% | 4,029 |
| Return on Equity (ROE) | 4.4295% | 4,361 |
| Retained earnings to average equity (ytd only) | 4.4295% | 2,744 |
| Net charge-offs to loans | 0.0035% | 3,554 |
| Credit loss provision to net charge-offs | 970.0000% | 360 |
| Earnings coverage of net charge-offs (x) | 276.5000% | 301 |
| Efficiency ratio | 78.3883% | 1,108 |
| Assets per employee ($millions) | 3.5694% | 4,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0074% | 3,453 |
| Loan loss allowance to noncurrent loans | 1,306.9869% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.0648% | 4,301 |
| Noncurrent loans to loans | 0.0771% | 4,219 |
| Net loans and leases to total assets | 83.2246% | 397 |
| Net loans and leases to deposits | 96.4682% | 892 |
| Net loans and leases to core deposits | 124.6969% | 373 |
| Total domestic deposits to total assets | 86.2715% | 1,945 |
| Equity capital to assets | 13.3004% | 1,371 |
| Core capital (leverage) ratio | 11.8592% | 1,863 |
| Tier 1 risk-based capital ratio | 21.7214% | 1,059 |
| Total risk-based capital ratio | 23.0199% | 1,029 |
| Memoranda: | ||
| Average total assets | $343,821,800 | 1,932 |
| Average earning assets | $327,696,600 | 1,888 |
| Average equity | $45,874,600 | 1,727 |
| Average total loans | $288,624,000 | 1,654 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4095% | 3,321 |
| Cost of funding earning assets | 1.0525% | 1,527 |
| Net interest margin | 3.3570% | 3,967 |
| Noninterest income to average assets | 0.4901% | 2,793 |
| Noninterest expense to average assets | 3.0104% | 1,948 |
| Loan and lease loss provision to assets | 0.0176% | 3,560 |
| Net operating income to assets | 0.4850% | 4,556 |
| Return on assets (ROA) | 0.4850% | 4,599 |
| Pretax return on assets | 0.6619% | 4,425 |
| Return on Equity (ROE) | 3.6320% | 4,649 |
| Retained earnings to average equity (ytd only) | 3.6320% | 3,589 |
| Net charge-offs to loans | 0.0047% | 3,235 |
| Credit loss provision to net charge-offs | 450.0000% | 690 |
| Earnings coverage of net charge-offs (x) | 174.0390% | 491 |
| Efficiency ratio | 81.5854% | 786 |
| Assets per employee ($millions) | 3.3868% | 4,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0140% | 3,493 |
| Loan loss allowance to noncurrent loans | 1,284.2795% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.0683% | 4,374 |
| Noncurrent loans to loans | 0.0790% | 4,288 |
| Net loans and leases to total assets | 85.6283% | 214 |
| Net loans and leases to deposits | 99.8251% | 651 |
| Net loans and leases to core deposits | 127.8810% | 333 |
| Total domestic deposits to total assets | 85.7783% | 2,093 |
| Equity capital to assets | 13.7702% | 1,246 |
| Core capital (leverage) ratio | 12.2974% | 1,681 |
| Tier 1 risk-based capital ratio | 22.0269% | 1,070 |
| Total risk-based capital ratio | 23.3173% | 1,032 |
| Memoranda: | ||
| Average total assets | $341,433,750 | 1,952 |
| Average earning assets | $325,439,250 | 1,913 |
| Average equity | $45,593,250 | 1,736 |
| Average total loans | $286,508,250 | 1,673 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3988% | 3,336 |
| Cost of funding earning assets | 1.0344% | 1,557 |
| Net interest margin | 3.3644% | 4,000 |
| Noninterest income to average assets | 0.5275% | 2,529 |
| Noninterest expense to average assets | 2.9597% | 2,110 |
| Loan and lease loss provision to assets | -0.0047% | 5,105 |
| Net operating income to assets | 0.5788% | 4,362 |
| Return on assets (ROA) | 0.5788% | 4,401 |
| Pretax return on assets | 0.7808% | 4,135 |
| Return on Equity (ROE) | 4.3788% | 4,500 |
| Retained earnings to average equity (ytd only) | 4.3788% | 3,079 |
| Net charge-offs to loans | 0.0070% | 2,898 |
| Credit loss provision to net charge-offs | -80.0000% | 3,873 |
| Earnings coverage of net charge-offs (x) | 133.3000% | 551 |
| Efficiency ratio | 79.2238% | 1,036 |
| Assets per employee ($millions) | 3.4877% | 4,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0132% | 3,542 |
| Loan loss allowance to noncurrent loans | 1,261.1354% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.0670% | 4,417 |
| Noncurrent loans to loans | 0.0803% | 4,320 |
| Net loans and leases to total assets | 82.5460% | 534 |
| Net loans and leases to deposits | 95.8538% | 1,052 |
| Net loans and leases to core deposits | 126.7478% | 375 |
| Total domestic deposits to total assets | 86.1165% | 1,969 |
| Equity capital to assets | 13.4355% | 1,354 |
| Core capital (leverage) ratio | 11.7399% | 1,991 |
| Tier 1 risk-based capital ratio | 22.1397% | 1,040 |
| Total risk-based capital ratio | 23.4305% | 1,013 |
| Memoranda: | ||
| Average total assets | $343,481,670 | 1,955 |
| Average earning assets | $327,546,670 | 1,918 |
| Average equity | $45,401,000 | 1,733 |
| Average total loans | $285,329,670 | 1,688 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3843% | 3,289 |
| Cost of funding earning assets | 0.9905% | 1,604 |
| Net interest margin | 3.3938% | 3,904 |
| Noninterest income to average assets | 0.4856% | 2,639 |
| Noninterest expense to average assets | 3.0866% | 1,758 |
| Loan and lease loss provision to assets | -0.0383% | 5,246 |
| Net operating income to assets | 0.4937% | 4,539 |
| Return on assets (ROA) | 0.4937% | 4,557 |
| Pretax return on assets | 0.6773% | 4,355 |
| Return on Equity (ROE) | 3.7660% | 4,622 |
| Retained earnings to average equity (ytd only) | 3.7660% | 3,418 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8500% | 805 |
| Assets per employee ($millions) | 3.7930% | 4,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0107% | 3,626 |
| Loan loss allowance to noncurrent loans | 1,254.1485% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.0656% | 4,494 |
| Noncurrent loans to loans | 0.0806% | 4,401 |
| Net loans and leases to total assets | 80.6104% | 768 |
| Net loans and leases to deposits | 93.1403% | 1,268 |
| Net loans and leases to core deposits | 127.0287% | 359 |
| Total domestic deposits to total assets | 86.5473% | 2,041 |
| Equity capital to assets | 12.9968% | 1,458 |
| Core capital (leverage) ratio | 11.8731% | 1,853 |
| Tier 1 risk-based capital ratio | 21.9685% | 1,054 |
| Total risk-based capital ratio | 23.2577% | 1,025 |
| Memoranda: | ||
| Average total assets | $344,325,000 | 1,971 |
| Average earning assets | $328,716,000 | 1,925 |
| Average equity | $45,140,500 | 1,730 |
| Average total loans | $285,481,500 | 1,690 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1868% | 3,471 |
| Cost of funding earning assets | 0.8032% | 1,509 |
| Net interest margin | 3.3836% | 4,040 |
| Noninterest income to average assets | 0.8772% | 1,240 |
| Noninterest expense to average assets | 3.2807% | 1,370 |
| Loan and lease loss provision to assets | 0.0923% | 2,308 |
| Net operating income to assets | 0.5386% | 4,574 |
| Return on assets (ROA) | 0.5386% | 4,570 |
| Pretax return on assets | 0.7281% | 4,345 |
| Return on Equity (ROE) | 3.9854% | 4,716 |
| Retained earnings to average equity (ytd only) | 3.9854% | 3,380 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9940% | 962 |
| Assets per employee ($millions) | 4.2999% | 3,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0129% | 3,598 |
| Loan loss allowance to noncurrent loans | 1,033.8078% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.0827% | 4,403 |
| Noncurrent loans to loans | 0.0980% | 4,298 |
| Net loans and leases to total assets | 83.5726% | 450 |
| Net loans and leases to deposits | 96.8478% | 989 |
| Net loans and leases to core deposits | 127.3928% | 367 |
| Total domestic deposits to total assets | 86.2927% | 2,093 |
| Equity capital to assets | 13.2260% | 1,242 |
| Core capital (leverage) ratio | 11.8365% | 1,843 |
| Tier 1 risk-based capital ratio | 21.3448% | 1,119 |
| Total risk-based capital ratio | 22.6334% | 1,091 |
| Memoranda: | ||
| Average total assets | $326,031,800 | 2,016 |
| Average earning assets | $310,643,400 | 1,967 |
| Average equity | $44,061,000 | 1,695 |
| Average total loans | $275,429,000 | 1,695 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1295% | 3,535 |
| Cost of funding earning assets | 0.7496% | 1,586 |
| Net interest margin | 3.3800% | 4,063 |
| Noninterest income to average assets | 0.9431% | 1,076 |
| Noninterest expense to average assets | 3.3157% | 1,268 |
| Loan and lease loss provision to assets | 0.1145% | 1,769 |
| Net operating income to assets | 0.5430% | 4,662 |
| Return on assets (ROA) | 0.5430% | 4,669 |
| Pretax return on assets | 0.7332% | 4,463 |
| Return on Equity (ROE) | 3.9959% | 4,819 |
| Retained earnings to average equity (ytd only) | 3.9959% | 3,775 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6407% | 981 |
| Assets per employee ($millions) | 3.5058% | 4,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0144% | 3,670 |
| Loan loss allowance to noncurrent loans | 764.1910% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.1120% | 4,409 |
| Noncurrent loans to loans | 0.1327% | 4,283 |
| Net loans and leases to total assets | 83.5337% | 510 |
| Net loans and leases to deposits | 96.7746% | 1,066 |
| Net loans and leases to core deposits | 128.4142% | 362 |
| Total domestic deposits to total assets | 86.3177% | 2,050 |
| Equity capital to assets | 13.2181% | 1,245 |
| Core capital (leverage) ratio | 12.2705% | 1,637 |
| Tier 1 risk-based capital ratio | 20.9341% | 1,192 |
| Total risk-based capital ratio | 22.2223% | 1,167 |
| Memoranda: | ||
| Average total assets | $322,616,250 | 2,043 |
| Average earning assets | $307,373,250 | 1,995 |
| Average equity | $43,844,250 | 1,705 |
| Average total loans | $272,587,250 | 1,713 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0872% | 3,502 |
| Cost of funding earning assets | 0.7144% | 1,547 |
| Net interest margin | 3.3728% | 4,040 |
| Noninterest income to average assets | 1.0209% | 921 |
| Noninterest expense to average assets | 3.2601% | 1,411 |
| Loan and lease loss provision to assets | 0.1283% | 1,547 |
| Net operating income to assets | 0.6290% | 4,409 |
| Return on assets (ROA) | 0.6290% | 4,414 |
| Pretax return on assets | 0.8454% | 4,123 |
| Return on Equity (ROE) | 4.5840% | 4,666 |
| Retained earnings to average equity (ytd only) | 4.5840% | 3,300 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0019% | 1,315 |
| Assets per employee ($millions) | 3.2651% | 4,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0142% | 3,745 |
| Loan loss allowance to noncurrent loans | 1,006.4516% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.0872% | 4,577 |
| Noncurrent loans to loans | 0.1008% | 4,459 |
| Net loans and leases to total assets | 85.6543% | 291 |
| Net loans and leases to deposits | 99.8419% | 818 |
| Net loans and leases to core deposits | 122.6156% | 498 |
| Total domestic deposits to total assets | 85.7899% | 2,380 |
| Equity capital to assets | 13.8038% | 987 |
| Core capital (leverage) ratio | 12.1798% | 1,601 |
| Tier 1 risk-based capital ratio | 21.3480% | 1,122 |
| Total risk-based capital ratio | 22.6356% | 1,092 |
| Memoranda: | ||
| Average total assets | $317,968,330 | 2,076 |
| Average earning assets | $302,893,330 | 2,033 |
| Average equity | $43,630,000 | 1,717 |
| Average total loans | $268,775,670 | 1,741 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9858% | 3,662 |
| Cost of funding earning assets | 0.6552% | 1,693 |
| Net interest margin | 3.3305% | 4,101 |
| Noninterest income to average assets | 1.0272% | 862 |
| Noninterest expense to average assets | 3.3329% | 1,289 |
| Loan and lease loss provision to assets | 0.1704% | 1,041 |
| Net operating income to assets | 0.5149% | 4,654 |
| Return on assets (ROA) | 0.5149% | 4,653 |
| Pretax return on assets | 0.6991% | 4,449 |
| Return on Equity (ROE) | 3.7638% | 4,829 |
| Retained earnings to average equity (ytd only) | 3.7638% | 3,690 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3093% | 1,221 |
| Assets per employee ($millions) | 3.5552% | 4,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0121% | 3,878 |
| Loan loss allowance to noncurrent loans | 364.3617% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.2274% | 3,961 |
| Noncurrent loans to loans | 0.2778% | 3,777 |
| Net loans and leases to total assets | 81.0477% | 784 |
| Net loans and leases to deposits | 93.7890% | 1,241 |
| Net loans and leases to core deposits | 122.0901% | 519 |
| Total domestic deposits to total assets | 86.4149% | 2,354 |
| Equity capital to assets | 13.1777% | 1,165 |
| Core capital (leverage) ratio | 12.4020% | 1,431 |
| Tier 1 risk-based capital ratio | 20.9596% | 1,209 |
| Total risk-based capital ratio | 22.2526% | 1,183 |
| Memoranda: | ||
| Average total assets | $316,964,000 | 2,092 |
| Average earning assets | $302,175,500 | 2,044 |
| Average equity | $43,360,500 | 1,735 |
| Average total loans | $264,722,500 | 1,769 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8208% | 3,979 |
| Cost of funding earning assets | 0.4502% | 2,773 |
| Net interest margin | 3.3706% | 3,934 |
| Noninterest income to average assets | 0.9752% | 1,080 |
| Noninterest expense to average assets | 3.5067% | 1,021 |
| Loan and lease loss provision to assets | 0.2005% | 1,033 |
| Net operating income to assets | 0.1947% | 5,123 |
| Return on assets (ROA) | 0.1947% | 5,137 |
| Pretax return on assets | 0.4426% | 5,025 |
| Return on Equity (ROE) | 1.2438% | 5,199 |
| Retained earnings to average equity (ytd only) | 1.2438% | 4,528 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5032% | 732 |
| Assets per employee ($millions) | 3.1593% | 5,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0064% | 3,900 |
| Loan loss allowance to noncurrent loans | 930.0000% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.0923% | 4,661 |
| Noncurrent loans to loans | 0.1082% | 4,499 |
| Net loans and leases to total assets | 84.4494% | 402 |
| Net loans and leases to deposits | 99.0744% | 809 |
| Net loans and leases to core deposits | 129.3613% | 354 |
| Total domestic deposits to total assets | 85.2384% | 2,742 |
| Equity capital to assets | 14.2275% | 850 |
| Core capital (leverage) ratio | 12.5923% | 1,312 |
| Tier 1 risk-based capital ratio | 20.9881% | 1,147 |
| Total risk-based capital ratio | 22.2777% | 1,119 |
| Memoranda: | ||
| Average total assets | $274,305,800 | 2,321 |
| Average earning assets | $258,350,000 | 2,288 |
| Average equity | $42,932,400 | 1,734 |
| Average total loans | $224,066,600 | 1,974 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6973% | 4,330 |
| Cost of funding earning assets | 0.3981% | 3,216 |
| Net interest margin | 3.2993% | 4,175 |
| Noninterest income to average assets | 1.1468% | 770 |
| Noninterest expense to average assets | 3.5172% | 968 |
| Loan and lease loss provision to assets | 0.1792% | 1,120 |
| Net operating income to assets | 0.3180% | 5,186 |
| Return on assets (ROA) | 0.3180% | 5,211 |
| Pretax return on assets | 0.5497% | 4,931 |
| Return on Equity (ROE) | 1.9808% | 5,314 |
| Retained earnings to average equity (ytd only) | 1.9808% | 4,649 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8336% | 854 |
| Assets per employee ($millions) | 3.0764% | 5,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0092% | 4,002 |
| Loan loss allowance to noncurrent loans | 242.1264% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.3341% | 3,713 |
| Noncurrent loans to loans | 0.4168% | 3,453 |
| Net loans and leases to total assets | 79.3476% | 1,075 |
| Net loans and leases to deposits | 93.5079% | 1,354 |
| Net loans and leases to core deposits | 121.9587% | 519 |
| Total domestic deposits to total assets | 84.8565% | 2,775 |
| Equity capital to assets | 14.4994% | 856 |
| Core capital (leverage) ratio | 12.8017% | 1,291 |
| Tier 1 risk-based capital ratio | 21.9220% | 1,052 |
| Total risk-based capital ratio | 23.2141% | 1,034 |
| Memoranda: | ||
| Average total assets | $267,059,000 | 2,384 |
| Average earning assets | $250,876,500 | 2,364 |
| Average equity | $42,877,750 | 1,747 |
| Average total loans | $215,400,000 | 2,040 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6458% | 4,376 |
| Cost of funding earning assets | 0.3398% | 3,693 |
| Net interest margin | 3.3060% | 4,087 |
| Noninterest income to average assets | 1.0202% | 975 |
| Noninterest expense to average assets | 3.6538% | 813 |
| Loan and lease loss provision to assets | 0.1348% | 1,542 |
| Net operating income to assets | 0.1683% | 5,435 |
| Return on assets (ROA) | 0.1683% | 5,438 |
| Pretax return on assets | 0.3258% | 5,303 |
| Return on Equity (ROE) | 1.0106% | 5,473 |
| Retained earnings to average equity (ytd only) | 1.0106% | 4,835 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8047% | 514 |
| Assets per employee ($millions) | 2.7872% | 5,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0059% | 4,104 |
| Loan loss allowance to noncurrent loans | 337.0651% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.2470% | 4,143 |
| Noncurrent loans to loans | 0.2984% | 3,973 |
| Net loans and leases to total assets | 81.9436% | 672 |
| Net loans and leases to deposits | 98.1705% | 880 |
| Net loans and leases to core deposits | 124.9396% | 415 |
| Total domestic deposits to total assets | 83.4707% | 3,415 |
| Equity capital to assets | 16.0139% | 528 |
| Core capital (leverage) ratio | 14.2648% | 790 |
| Tier 1 risk-based capital ratio | 23.0594% | 946 |
| Total risk-based capital ratio | 24.3481% | 930 |
| Memoranda: | ||
| Average total assets | $256,610,000 | 2,471 |
| Average earning assets | $240,167,670 | 2,448 |
| Average equity | $42,748,000 | 1,747 |
| Average total loans | $207,469,330 | 2,106 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6162% | 4,377 |
| Cost of funding earning assets | 0.3232% | 3,813 |
| Net interest margin | 3.2930% | 4,033 |
| Noninterest income to average assets | 1.0401% | 928 |
| Noninterest expense to average assets | 3.6619% | 818 |
| Loan and lease loss provision to assets | 0.0780% | 2,254 |
| Net operating income to assets | 0.2055% | 5,388 |
| Return on assets (ROA) | 0.2055% | 5,401 |
| Pretax return on assets | 0.3839% | 5,190 |
| Return on Equity (ROE) | 1.2085% | 5,459 |
| Retained earnings to average equity (ytd only) | 1.2085% | 4,589 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7988% | 614 |
| Assets per employee ($millions) | 2.7663% | 5,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0330% | 4,072 |
| Loan loss allowance to noncurrent loans | 762.3188% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.1109% | 4,826 |
| Noncurrent loans to loans | 0.1355% | 4,648 |
| Net loans and leases to total assets | 80.9649% | 700 |
| Net loans and leases to deposits | 98.9189% | 691 |
| Net loans and leases to core deposits | 121.4804% | 426 |
| Total domestic deposits to total assets | 81.8498% | 4,207 |
| Equity capital to assets | 17.1758% | 370 |
| Core capital (leverage) ratio | 14.9626% | 612 |
| Tier 1 risk-based capital ratio | 24.8972% | 781 |
| Total risk-based capital ratio | 26.1858% | 764 |
| Memoranda: | ||
| Average total assets | $251,128,500 | 2,533 |
| Average earning assets | $235,162,500 | 2,511 |
| Average equity | $42,697,500 | 1,749 |
| Average total loans | $200,460,500 | 2,177 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5833% | 4,558 |
| Cost of funding earning assets | 0.2991% | 4,074 |
| Net interest margin | 3.2842% | 4,192 |
| Noninterest income to average assets | 1.0670% | 993 |
| Noninterest expense to average assets | 3.5186% | 1,135 |
| Loan and lease loss provision to assets | 0.0690% | 2,976 |
| Net operating income to assets | 0.2252% | 5,367 |
| Return on assets (ROA) | 0.2252% | 5,433 |
| Pretax return on assets | 0.5629% | 4,891 |
| Return on Equity (ROE) | 1.3203% | 5,514 |
| Retained earnings to average equity (ytd only) | 1.3203% | 4,749 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7756% | 934 |
| Assets per employee ($millions) | 2.8399% | 5,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0419% | 4,061 |
| Loan loss allowance to noncurrent loans | 744.5652% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.1092% | 4,875 |
| Noncurrent loans to loans | 0.1399% | 4,668 |
| Net loans and leases to total assets | 77.2246% | 1,326 |
| Net loans and leases to deposits | 93.6184% | 1,237 |
| Net loans and leases to core deposits | 118.0070% | 545 |
| Total domestic deposits to total assets | 82.4887% | 3,938 |
| Equity capital to assets | 16.7509% | 419 |
| Core capital (leverage) ratio | 14.3942% | 718 |
| Tier 1 risk-based capital ratio | 25.0825% | 768 |
| Total risk-based capital ratio | 26.3743% | 742 |
| Memoranda: | ||
| Average total assets | $246,401,400 | 2,535 |
| Average earning assets | $231,348,800 | 2,507 |
| Average equity | $42,034,600 | 1,761 |
| Average total loans | $188,421,600 | 2,222 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5352% | 4,718 |
| Cost of funding earning assets | 0.2815% | 4,282 |
| Net interest margin | 3.2537% | 4,334 |
| Noninterest income to average assets | 0.8741% | 1,495 |
| Noninterest expense to average assets | 3.5874% | 1,013 |
| Loan and lease loss provision to assets | 0.0517% | 3,216 |
| Net operating income to assets | 0.2162% | 5,439 |
| Return on assets (ROA) | 0.2162% | 5,501 |
| Pretax return on assets | 0.2881% | 5,470 |
| Return on Equity (ROE) | 1.2615% | 5,613 |
| Retained earnings to average equity (ytd only) | 1.2615% | 5,010 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3466% | 497 |
| Assets per employee ($millions) | 2.9057% | 5,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0108% | 4,341 |
| Loan loss allowance to noncurrent loans | 350.4425% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.2210% | 4,553 |
| Noncurrent loans to loans | 0.2884% | 4,230 |
| Net loans and leases to total assets | 75.8361% | 1,549 |
| Net loans and leases to deposits | 91.4115% | 1,580 |
| Net loans and leases to core deposits | 123.8103% | 421 |
| Total domestic deposits to total assets | 82.9613% | 3,616 |
| Equity capital to assets | 16.4951% | 485 |
| Core capital (leverage) ratio | 15.9025% | 494 |
| Tier 1 risk-based capital ratio | 28.0834% | 580 |
| Total risk-based capital ratio | 29.3356% | 570 |
| Memoranda: | ||
| Average total assets | $244,814,000 | 2,560 |
| Average earning assets | $229,719,750 | 2,523 |
| Average equity | $41,958,750 | 1,770 |
| Average total loans | $186,216,750 | 2,255 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6147% | 4,548 |
| Cost of funding earning assets | 0.2478% | 4,684 |
| Net interest margin | 3.3669% | 4,003 |
| Noninterest income to average assets | 0.6128% | 2,552 |
| Noninterest expense to average assets | 3.7050% | 874 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1592% | 5,598 |
| Return on assets (ROA) | 0.1592% | 5,647 |
| Pretax return on assets | 0.0630% | 5,750 |
| Return on Equity (ROE) | 0.9168% | 5,701 |
| Retained earnings to average equity (ytd only) | 0.9168% | 5,025 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3275% | 278 |
| Assets per employee ($millions) | 2.6745% | 5,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0005% | 4,519 |
| Loan loss allowance to noncurrent loans | 281.3433% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.4710% | 3,644 |
| Noncurrent loans to loans | 0.3556% | 4,094 |
| Net loans and leases to total assets | 75.8090% | 1,519 |
| Net loans and leases to deposits | 92.0063% | 1,513 |
| Net loans and leases to core deposits | 121.9281% | 464 |
| Total domestic deposits to total assets | 82.3954% | 3,877 |
| Equity capital to assets | 17.0595% | 425 |
| Core capital (leverage) ratio | 17.3807% | 338 |
| Tier 1 risk-based capital ratio | 27.9110% | 600 |
| Total risk-based capital ratio | 29.1653% | 585 |
| Memoranda: | ||
| Average total assets | $241,185,330 | 2,592 |
| Average earning assets | $226,021,000 | 2,568 |
| Average equity | $41,885,670 | 1,771 |
| Average total loans | $182,991,330 | 2,285 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5890% | 4,646 |
| Cost of funding earning assets | 0.2641% | 4,561 |
| Net interest margin | 3.3248% | 4,129 |
| Noninterest income to average assets | 0.5093% | 3,055 |
| Noninterest expense to average assets | 4.0829% | 559 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.2580% | 5,901 |
| Return on assets (ROA) | -0.2580% | 5,909 |
| Pretax return on assets | -0.4524% | 5,950 |
| Return on Equity (ROE) | -1.4722% | 5,887 |
| Retained earnings to average equity (ytd only) | -1.4722% | 5,333 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.4596% | 143 |
| Assets per employee ($millions) | 2.5114% | 5,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0356% | 4,416 |
| Loan loss allowance to noncurrent loans | 678.0576% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.3249% | 4,266 |
| Noncurrent loans to loans | 0.1527% | 4,867 |
| Net loans and leases to total assets | 76.3075% | 1,344 |
| Net loans and leases to deposits | 93.2934% | 1,206 |
| Net loans and leases to core deposits | 119.8190% | 470 |
| Total domestic deposits to total assets | 81.7931% | 4,285 |
| Equity capital to assets | 17.6308% | 362 |
| Core capital (leverage) ratio | 16.7835% | 389 |
| Tier 1 risk-based capital ratio | 28.4950% | 577 |
| Total risk-based capital ratio | 29.7500% | 563 |
| Memoranda: | ||
| Average total assets | $238,753,000 | 2,624 |
| Average earning assets | $224,131,500 | 2,592 |
| Average equity | $41,841,000 | 1,765 |
| Average total loans | $180,280,500 | 2,304 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2232% | 5,484 |
| Cost of funding earning assets | 0.2706% | 4,578 |
| Net interest margin | 2.9526% | 5,239 |
| Noninterest income to average assets | 6.9873% | 91 |
| Noninterest expense to average assets | 6.0912% | 173 |
| Loan and lease loss provision to assets | 0.0843% | 2,607 |
| Net operating income to assets | 2.6501% | 126 |
| Return on assets (ROA) | 2.6501% | 126 |
| Pretax return on assets | 3.5339% | 86 |
| Return on Equity (ROE) | 17.6790% | 404 |
| Retained earnings to average equity (ytd only) | 17.6790% | 82 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7351% | 4,489 |
| Assets per employee ($millions) | 2.4387% | 5,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0558% | 4,283 |
| Loan loss allowance to noncurrent loans | 675.6272% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.3181% | 4,321 |
| Noncurrent loans to loans | 0.1563% | 4,869 |
| Net loans and leases to total assets | 73.1671% | 1,858 |
| Net loans and leases to deposits | 89.2202% | 1,717 |
| Net loans and leases to core deposits | 118.9509% | 507 |
| Total domestic deposits to total assets | 82.0073% | 4,165 |
| Equity capital to assets | 17.4211% | 367 |
| Core capital (leverage) ratio | 16.6241% | 404 |
| Tier 1 risk-based capital ratio | 29.2033% | 546 |
| Total risk-based capital ratio | 30.4595% | 531 |
| Memoranda: | ||
| Average total assets | $234,897,200 | 2,625 |
| Average earning assets | $216,552,200 | 2,616 |
| Average equity | $35,211,200 | 2,029 |
| Average total loans | $152,912,800 | 2,559 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1593% | 5,631 |
| Cost of funding earning assets | 0.2737% | 4,626 |
| Net interest margin | 2.8856% | 5,440 |
| Noninterest income to average assets | 0.9574% | 1,297 |
| Noninterest expense to average assets | 6.8242% | 152 |
| Loan and lease loss provision to assets | 0.1132% | 1,995 |
| Net operating income to assets | -3.1163% | 6,249 |
| Return on assets (ROA) | -3.1163% | 6,251 |
| Pretax return on assets | -3.3341% | 6,254 |
| Return on Equity (ROE) | -21.6996% | 6,226 |
| Retained earnings to average equity (ytd only) | -21.6996% | 6,208 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 189.3877% | 18 |
| Assets per employee ($millions) | 2.4797% | 5,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1087% | 4,177 |
| Loan loss allowance to noncurrent loans | 986.9110% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.2917% | 4,601 |
| Noncurrent loans to loans | 0.1123% | 5,181 |
| Net loans and leases to total assets | 72.1285% | 2,043 |
| Net loans and leases to deposits | 88.3958% | 1,847 |
| Net loans and leases to core deposits | 120.8884% | 446 |
| Total domestic deposits to total assets | 81.5972% | 4,292 |
| Equity capital to assets | 13.0389% | 1,421 |
| Core capital (leverage) ratio | 12.5746% | 1,369 |
| Tier 1 risk-based capital ratio | 20.0535% | 1,534 |
| Total risk-based capital ratio | 21.3135% | 1,497 |
| Memoranda: | ||
| Average total assets | $233,263,750 | 2,659 |
| Average earning assets | $213,881,250 | 2,660 |
| Average equity | $33,499,000 | 2,130 |
| Average total loans | $146,507,750 | 2,655 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1493% | 5,688 |
| Cost of funding earning assets | 0.2920% | 4,481 |
| Net interest margin | 2.8572% | 5,524 |
| Noninterest income to average assets | 1.2386% | 793 |
| Noninterest expense to average assets | 7.1738% | 140 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -2.9753% | 6,322 |
| Return on assets (ROA) | -2.9753% | 6,324 |
| Pretax return on assets | -3.3019% | 6,327 |
| Return on Equity (ROE) | -20.1017% | 6,293 |
| Retained earnings to average equity (ytd only) | -20.1017% | 6,263 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 185.2778% | 20 |
| Assets per employee ($millions) | 2.3405% | 6,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2106% | 3,730 |
| Loan loss allowance to noncurrent loans | 883.2461% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.3026% | 4,672 |
| Noncurrent loans to loans | 0.1371% | 5,199 |
| Net loans and leases to total assets | 61.2713% | 3,658 |
| Net loans and leases to deposits | 72.1069% | 3,710 |
| Net loans and leases to core deposits | 97.2424% | 1,704 |
| Total domestic deposits to total assets | 84.9728% | 3,134 |
| Equity capital to assets | 14.4005% | 843 |
| Core capital (leverage) ratio | 13.2693% | 1,063 |
| Tier 1 risk-based capital ratio | 24.0944% | 946 |
| Total risk-based capital ratio | 25.3563% | 933 |
| Memoranda: | ||
| Average total assets | $233,320,000 | 2,674 |
| Average earning assets | $215,034,000 | 2,671 |
| Average equity | $34,534,330 | 2,088 |
| Average total loans | $138,672,670 | 2,766 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1444% | 5,729 |
| Cost of funding earning assets | 0.3307% | 4,086 |
| Net interest margin | 2.8137% | 5,616 |
| Noninterest income to average assets | 1.3062% | 673 |
| Noninterest expense to average assets | 5.2770% | 248 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.7238% | 6,281 |
| Return on assets (ROA) | -0.7238% | 6,288 |
| Pretax return on assets | -1.3786% | 6,339 |
| Return on Equity (ROE) | -4.8283% | 6,255 |
| Retained earnings to average equity (ytd only) | -4.8283% | 5,925 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 135.3627% | 69 |
| Assets per employee ($millions) | 2.4681% | 6,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2263% | 3,805 |
| Loan loss allowance to noncurrent loans | 883.2461% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.2931% | 4,799 |
| Noncurrent loans to loans | 0.1388% | 5,277 |
| Net loans and leases to total assets | 58.5684% | 3,866 |
| Net loans and leases to deposits | 71.8263% | 3,550 |
| Net loans and leases to core deposits | 97.1752% | 1,541 |
| Total domestic deposits to total assets | 81.5417% | 4,658 |
| Equity capital to assets | 15.2653% | 665 |
| Core capital (leverage) ratio | 14.0930% | 796 |
| Tier 1 risk-based capital ratio | 25.7121% | 814 |
| Total risk-based capital ratio | 26.9728% | 797 |
| Memoranda: | ||
| Average total assets | $237,637,000 | 2,655 |
| Average earning assets | $218,930,000 | 2,651 |
| Average equity | $35,623,500 | 2,029 |
| Average total loans | $138,331,500 | 2,775 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0612% | 5,998 |
| Cost of funding earning assets | 0.3763% | 3,954 |
| Net interest margin | 2.6849% | 5,964 |
| Noninterest income to average assets | 0.5938% | 2,893 |
| Noninterest expense to average assets | 4.7480% | 376 |
| Loan and lease loss provision to assets | -0.0249% | 5,949 |
| Net operating income to assets | -0.9261% | 6,369 |
| Return on assets (ROA) | -0.9261% | 6,365 |
| Pretax return on assets | -1.6531% | 6,429 |
| Return on Equity (ROE) | -5.9905% | 6,313 |
| Retained earnings to average equity (ytd only) | -5.9905% | 6,221 |
| Net charge-offs to loans | 0.0060% | 4,809 |
| Credit loss provision to net charge-offs | -775.0000% | 5,861 |
| Earnings coverage of net charge-offs (x) | -522.7500% | 4,967 |
| Efficiency ratio | 154.6595% | 46 |
| Assets per employee ($millions) | 2.6582% | 6,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2121% | 3,923 |
| Loan loss allowance to noncurrent loans | 251.2668% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.2744% | 4,935 |
| Noncurrent loans to loans | 0.4824% | 4,218 |
| Net loans and leases to total assets | 56.1876% | 4,311 |
| Net loans and leases to deposits | 68.9752% | 4,033 |
| Net loans and leases to core deposits | 91.9967% | 2,087 |
| Total domestic deposits to total assets | 81.4605% | 4,610 |
| Equity capital to assets | 15.2976% | 652 |
| Core capital (leverage) ratio | 14.7551% | 655 |
| Tier 1 risk-based capital ratio | 26.2736% | 740 |
| Total risk-based capital ratio | 26.7727% | 784 |
| Memoranda: | ||
| Average total assets | $249,222,400 | 2,534 |
| Average earning assets | $229,841,800 | 2,523 |
| Average equity | $38,527,600 | 1,832 |
| Average total loans | $132,924,800 | 2,806 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0727% | 6,062 |
| Cost of funding earning assets | 0.3666% | 4,167 |
| Net interest margin | 2.7061% | 5,997 |
| Noninterest income to average assets | 0.6566% | 2,544 |
| Noninterest expense to average assets | 4.8446% | 343 |
| Loan and lease loss provision to assets | 0.0107% | 4,207 |
| Net operating income to assets | -0.9489% | 6,455 |
| Return on assets (ROA) | -0.9489% | 6,455 |
| Pretax return on assets | -1.7029% | 6,504 |
| Return on Equity (ROE) | -6.1225% | 6,387 |
| Retained earnings to average equity (ytd only) | -6.1225% | 6,295 |
| Net charge-offs to loans | 0.0081% | 4,434 |
| Credit loss provision to net charge-offs | 250.0000% | 1,043 |
| Earnings coverage of net charge-offs (x) | -397.1162% | 4,693 |
| Efficiency ratio | 153.6824% | 49 |
| Assets per employee ($millions) | 2.8248% | 5,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2793% | 3,757 |
| Loan loss allowance to noncurrent loans | 268.0303% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.2625% | 5,199 |
| Noncurrent loans to loans | 0.4773% | 4,476 |
| Net loans and leases to total assets | 54.2958% | 4,544 |
| Net loans and leases to deposits | 68.0300% | 4,124 |
| Net loans and leases to core deposits | 90.6902% | 2,158 |
| Total domestic deposits to total assets | 79.8115% | 5,142 |
| Equity capital to assets | 15.0933% | 718 |
| Core capital (leverage) ratio | 14.5451% | 712 |
| Tier 1 risk-based capital ratio | 27.0905% | 704 |
| Total risk-based capital ratio | 27.5879% | 738 |
| Memoranda: | ||
| Average total assets | $250,389,500 | 2,539 |
| Average earning assets | $230,928,000 | 2,529 |
| Average equity | $38,806,750 | 1,832 |
| Average total loans | $131,382,250 | 2,845 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1072% | 6,056 |
| Cost of funding earning assets | 0.3693% | 4,219 |
| Net interest margin | 2.7379% | 6,006 |
| Noninterest income to average assets | 0.5463% | 3,159 |
| Noninterest expense to average assets | 5.1334% | 287 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -1.1478% | 6,545 |
| Return on assets (ROA) | -1.1478% | 6,545 |
| Pretax return on assets | -2.0668% | 6,586 |
| Return on Equity (ROE) | -7.3413% | 6,483 |
| Retained earnings to average equity (ytd only) | -7.3413% | 6,351 |
| Net charge-offs to loans | 0.0062% | 4,165 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -646.0000% | 4,372 |
| Efficiency ratio | 167.3970% | 39 |
| Assets per employee ($millions) | 2.4497% | 6,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2919% | 3,895 |
| Loan loss allowance to noncurrent loans | 188.6975% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.8140% | 3,528 |
| Noncurrent loans to loans | 0.6847% | 4,005 |
| Net loans and leases to total assets | 54.1326% | 4,525 |
| Net loans and leases to deposits | 66.6337% | 4,203 |
| Net loans and leases to core deposits | 91.6955% | 1,956 |
| Total domestic deposits to total assets | 81.2392% | 4,906 |
| Equity capital to assets | 15.4802% | 619 |
| Core capital (leverage) ratio | 14.9244% | 619 |
| Tier 1 risk-based capital ratio | 27.0482% | 699 |
| Total risk-based capital ratio | 27.3689% | 748 |
| Memoranda: | ||
| Average total assets | $250,049,330 | 2,542 |
| Average earning assets | $230,176,000 | 2,544 |
| Average equity | $39,093,670 | 1,810 |
| Average total loans | $129,085,000 | 2,883 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0975% | 6,127 |
| Cost of funding earning assets | 0.3751% | 4,253 |
| Net interest margin | 2.7224% | 6,076 |
| Noninterest income to average assets | 1.0200% | 1,088 |
| Noninterest expense to average assets | 5.2704% | 273 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.9023% | 6,561 |
| Return on assets (ROA) | -0.9023% | 6,558 |
| Pretax return on assets | -1.7441% | 6,627 |
| Return on Equity (ROE) | -5.7432% | 6,484 |
| Retained earnings to average equity (ytd only) | -5.7432% | 6,167 |
| Net charge-offs to loans | 0.0064% | 3,526 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -548.0000% | 3,656 |
| Efficiency ratio | 149.4585% | 65 |
| Assets per employee ($millions) | 2.1599% | 6,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3470% | 3,867 |
| Loan loss allowance to noncurrent loans | 85.0703% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 1.2878% | 2,719 |
| Noncurrent loans to loans | 1.5834% | 2,442 |
| Net loans and leases to total assets | 50.4338% | 4,859 |
| Net loans and leases to deposits | 61.9892% | 4,547 |
| Net loans and leases to core deposits | 84.1068% | 2,498 |
| Total domestic deposits to total assets | 81.3590% | 5,138 |
| Equity capital to assets | 15.3683% | 624 |
| Core capital (leverage) ratio | 14.8030% | 623 |
| Tier 1 risk-based capital ratio | 28.0222% | 642 |
| Total risk-based capital ratio | 28.3258% | 699 |
| Memoranda: | ||
| Average total assets | $251,364,000 | 2,543 |
| Average earning assets | $231,409,500 | 2,538 |
| Average equity | $39,490,000 | 1,787 |
| Average total loans | $125,783,500 | 2,953 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2448% | 6,086 |
| Cost of funding earning assets | 0.4060% | 4,580 |
| Net interest margin | 2.8388% | 5,919 |
| Noninterest income to average assets | 2.5590% | 271 |
| Noninterest expense to average assets | 4.8915% | 378 |
| Loan and lease loss provision to assets | -0.0039% | 6,252 |
| Net operating income to assets | 0.1702% | 5,889 |
| Return on assets (ROA) | 0.1702% | 5,957 |
| Pretax return on assets | 0.2620% | 5,824 |
| Return on Equity (ROE) | 1.0998% | 6,065 |
| Retained earnings to average equity (ytd only) | 1.0998% | 5,344 |
| Net charge-offs to loans | 0.4027% | 1,674 |
| Credit loss provision to net charge-offs | -1.7483% | 5,664 |
| Earnings coverage of net charge-offs (x) | 1.1556% | 4,685 |
| Efficiency ratio | 94.9882% | 700 |
| Assets per employee ($millions) | 2.1743% | 6,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4488% | 3,421 |
| Loan loss allowance to noncurrent loans | 49.7593% | 5,269 |
| Noncurrent assets plus other real estate owned to assets | 2.0144% | 1,783 |
| Noncurrent loans to loans | 2.9116% | 1,203 |
| Net loans and leases to total assets | 48.2190% | 5,275 |
| Net loans and leases to deposits | 61.4656% | 4,779 |
| Net loans and leases to core deposits | 88.2560% | 2,217 |
| Total domestic deposits to total assets | 78.4488% | 5,750 |
| Equity capital to assets | 16.0620% | 520 |
| Core capital (leverage) ratio | 15.4066% | 556 |
| Tier 1 risk-based capital ratio | 29.2379% | 539 |
| Total risk-based capital ratio | 29.5072% | 582 |
| Memoranda: | ||
| Average total assets | $256,119,200 | 2,471 |
| Average earning assets | $233,729,000 | 2,483 |
| Average equity | $39,642,800 | 1,763 |
| Average total loans | $142,056,600 | 2,667 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3208% | 6,027 |
| Cost of funding earning assets | 0.4041% | 4,790 |
| Net interest margin | 2.9166% | 5,772 |
| Noninterest income to average assets | 2.7308% | 266 |
| Noninterest expense to average assets | 4.8233% | 386 |
| Loan and lease loss provision to assets | -0.0052% | 6,457 |
| Net operating income to assets | 0.3300% | 5,494 |
| Return on assets (ROA) | 0.3300% | 5,623 |
| Pretax return on assets | 0.5701% | 5,133 |
| Return on Equity (ROE) | 2.1514% | 5,892 |
| Retained earnings to average equity (ytd only) | 2.1514% | 5,022 |
| Net charge-offs to loans | 0.4998% | 1,288 |
| Credit loss provision to net charge-offs | -1.8116% | 5,577 |
| Earnings coverage of net charge-offs (x) | 1.9819% | 4,165 |
| Efficiency ratio | 89.5150% | 1,037 |
| Assets per employee ($millions) | 2.1819% | 6,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3418% | 4,190 |
| Loan loss allowance to noncurrent loans | 62.6808% | 4,705 |
| Noncurrent assets plus other real estate owned to assets | 1.8301% | 2,230 |
| Noncurrent loans to loans | 2.1407% | 2,085 |
| Net loans and leases to total assets | 51.6227% | 4,924 |
| Net loans and leases to deposits | 65.4801% | 4,358 |
| Net loans and leases to core deposits | 92.8206% | 1,696 |
| Total domestic deposits to total assets | 78.8372% | 5,777 |
| Equity capital to assets | 15.8084% | 583 |
| Core capital (leverage) ratio | 15.1355% | 620 |
| Tier 1 risk-based capital ratio | 26.9431% | 709 |
| Total risk-based capital ratio | 27.2862% | 769 |
| Memoranda: | ||
| Average total assets | $258,182,750 | 2,468 |
| Average earning assets | $235,242,000 | 2,480 |
| Average equity | $39,600,500 | 1,774 |
| Average total loans | $147,252,000 | 2,612 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3511% | 6,003 |
| Cost of funding earning assets | 0.4028% | 4,919 |
| Net interest margin | 2.9483% | 5,701 |
| Noninterest income to average assets | 1.8632% | 493 |
| Noninterest expense to average assets | 4.7607% | 424 |
| Loan and lease loss provision to assets | -0.0077% | 6,575 |
| Net operating income to assets | -0.1054% | 6,408 |
| Return on assets (ROA) | -0.1054% | 6,454 |
| Pretax return on assets | -0.2086% | 6,503 |
| Return on Equity (ROE) | -0.6943% | 6,427 |
| Retained earnings to average equity (ytd only) | -0.6943% | 5,993 |
| Net charge-offs to loans | 0.6991% | 939 |
| Credit loss provision to net charge-offs | -1.8797% | 5,424 |
| Earnings coverage of net charge-offs (x) | -0.5282% | 4,665 |
| Efficiency ratio | 104.7587% | 371 |
| Assets per employee ($millions) | 2.2793% | 6,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1810% | 5,089 |
| Loan loss allowance to noncurrent loans | 63.4534% | 4,648 |
| Noncurrent assets plus other real estate owned to assets | 1.7972% | 2,415 |
| Noncurrent loans to loans | 1.8612% | 2,545 |
| Net loans and leases to total assets | 58.3780% | 3,929 |
| Net loans and leases to deposits | 73.4211% | 3,235 |
| Net loans and leases to core deposits | 102.9715% | 886 |
| Total domestic deposits to total assets | 79.5113% | 5,713 |
| Equity capital to assets | 15.2329% | 670 |
| Core capital (leverage) ratio | 14.5680% | 682 |
| Tier 1 risk-based capital ratio | 24.5087% | 936 |
| Total risk-based capital ratio | 23.5114% | 1,221 |
| Memoranda: | ||
| Average total assets | $259,877,000 | 2,461 |
| Average earning assets | $236,341,000 | 2,485 |
| Average equity | $39,463,670 | 1,782 |
| Average total loans | $152,191,330 | 2,537 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3187% | 6,118 |
| Cost of funding earning assets | 0.3991% | 5,109 |
| Net interest margin | 2.9197% | 5,774 |
| Noninterest income to average assets | 2.9544% | 257 |
| Noninterest expense to average assets | 4.5894% | 502 |
| Loan and lease loss provision to assets | -0.1149% | 6,852 |
| Net operating income to assets | 0.6421% | 4,004 |
| Return on assets (ROA) | 0.6421% | 4,165 |
| Pretax return on assets | 1.1370% | 2,829 |
| Return on Equity (ROE) | 4.2346% | 4,980 |
| Retained earnings to average equity (ytd only) | 4.2346% | 3,690 |
| Net charge-offs to loans | 1.1116% | 540 |
| Credit loss provision to net charge-offs | -17.7305% | 4,982 |
| Earnings coverage of net charge-offs (x) | 1.5768% | 3,308 |
| Efficiency ratio | 81.7859% | 2,073 |
| Assets per employee ($millions) | 2.3740% | 6,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2382% | 5,010 |
| Loan loss allowance to noncurrent loans | 63.3735% | 4,572 |
| Noncurrent assets plus other real estate owned to assets | 1.8212% | 2,583 |
| Noncurrent loans to loans | 1.9539% | 2,668 |
| Net loans and leases to total assets | 55.7241% | 4,131 |
| Net loans and leases to deposits | 69.9129% | 3,494 |
| Net loans and leases to core deposits | 97.0753% | 1,139 |
| Total domestic deposits to total assets | 79.7051% | 5,821 |
| Equity capital to assets | 15.1012% | 732 |
| Core capital (leverage) ratio | 14.4319% | 685 |
| Tier 1 risk-based capital ratio | 26.2440% | 764 |
| Total risk-based capital ratio | 25.1972% | 1,004 |
| Memoranda: | ||
| Average total assets | $261,035,000 | 2,479 |
| Average earning assets | $237,560,500 | 2,491 |
| Average equity | $39,578,500 | 1,797 |
| Average total loans | $152,209,000 | 2,549 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6367% | 6,156 |
| Cost of funding earning assets | 0.3633% | 6,140 |
| Net interest margin | 3.2734% | 5,347 |
| Noninterest income to average assets | 1.9635% | 448 |
| Noninterest expense to average assets | 5.3069% | 307 |
| Loan and lease loss provision to assets | 0.3127% | 2,186 |
| Net operating income to assets | -0.3414% | 6,474 |
| Return on assets (ROA) | -0.3414% | 6,522 |
| Pretax return on assets | -0.6972% | 6,653 |
| Return on Equity (ROE) | -2.1904% | 6,465 |
| Retained earnings to average equity (ytd only) | -2.1904% | 6,188 |
| Net charge-offs to loans | 0.0986% | 4,678 |
| Credit loss provision to net charge-offs | 578.2609% | 424 |
| Earnings coverage of net charge-offs (x) | -7.1087% | 5,928 |
| Efficiency ratio | 107.8105% | 372 |
| Assets per employee ($millions) | 2.3086% | 6,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3362% | 4,470 |
| Loan loss allowance to noncurrent loans | 72.4835% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 1.2040% | 3,650 |
| Noncurrent loans to loans | 1.8435% | 2,868 |
| Net loans and leases to total assets | 59.4281% | 3,699 |
| Net loans and leases to deposits | 75.0074% | 2,965 |
| Net loans and leases to core deposits | 101.2440% | 943 |
| Total domestic deposits to total assets | 79.2297% | 5,846 |
| Equity capital to assets | 15.2243% | 695 |
| Core capital (leverage) ratio | 14.7991% | 604 |
| Tier 1 risk-based capital ratio | 24.4083% | 921 |
| Total risk-based capital ratio | 23.5383% | 1,191 |
| Memoranda: | ||
| Average total assets | $255,158,600 | 2,488 |
| Average earning assets | $230,648,200 | 2,501 |
| Average equity | $39,764,000 | 1,751 |
| Average total loans | $139,961,800 | 2,716 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6681% | 6,284 |
| Cost of funding earning assets | 0.3491% | 6,376 |
| Net interest margin | 3.3190% | 5,316 |
| Noninterest income to average assets | 1.8177% | 488 |
| Noninterest expense to average assets | 5.2313% | 315 |
| Loan and lease loss provision to assets | 0.2658% | 2,450 |
| Net operating income to assets | -0.3266% | 6,592 |
| Return on assets (ROA) | -0.3266% | 6,647 |
| Pretax return on assets | -0.6842% | 6,777 |
| Return on Equity (ROE) | -2.0837% | 6,576 |
| Retained earnings to average equity (ytd only) | -2.0837% | 6,407 |
| Net charge-offs to loans | 0.0088% | 5,594 |
| Credit loss provision to net charge-offs | 5,633.3333% | 50 |
| Earnings coverage of net charge-offs (x) | -88.6642% | 5,763 |
| Efficiency ratio | 108.6928% | 330 |
| Assets per employee ($millions) | 2.4072% | 6,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2021% | 5,270 |
| Loan loss allowance to noncurrent loans | 100.8938% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 0.6992% | 4,939 |
| Noncurrent loans to loans | 1.1915% | 4,070 |
| Net loans and leases to total assets | 57.9792% | 4,137 |
| Net loans and leases to deposits | 72.4596% | 3,541 |
| Net loans and leases to core deposits | 105.1098% | 796 |
| Total domestic deposits to total assets | 80.0158% | 5,651 |
| Equity capital to assets | 14.5672% | 947 |
| Core capital (leverage) ratio | 14.0933% | 803 |
| Tier 1 risk-based capital ratio | 24.2077% | 994 |
| Total risk-based capital ratio | 23.3220% | 1,299 |
| Memoranda: | ||
| Average total assets | $254,308,000 | 2,513 |
| Average earning assets | $229,504,500 | 2,532 |
| Average equity | $39,864,000 | 1,760 |
| Average total loans | $136,017,500 | 2,808 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6684% | 6,390 |
| Cost of funding earning assets | 0.3446% | 6,530 |
| Net interest margin | 3.3238% | 5,375 |
| Noninterest income to average assets | 2.0338% | 393 |
| Noninterest expense to average assets | 5.4765% | 278 |
| Loan and lease loss provision to assets | 0.1151% | 4,087 |
| Net operating income to assets | -0.2496% | 6,579 |
| Return on assets (ROA) | -0.2496% | 6,641 |
| Pretax return on assets | -0.5676% | 6,760 |
| Return on Equity (ROE) | -1.5522% | 6,587 |
| Retained earnings to average equity (ytd only) | -1.5522% | 6,298 |
| Net charge-offs to loans | 0.0109% | 5,301 |
| Credit loss provision to net charge-offs | 2,042.8571% | 148 |
| Earnings coverage of net charge-offs (x) | -80.2857% | 5,499 |
| Efficiency ratio | 109.0064% | 346 |
| Assets per employee ($millions) | 2.2471% | 6,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0559% | 5,934 |
| Loan loss allowance to noncurrent loans | 83.8449% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 0.7063% | 5,024 |
| Noncurrent loans to loans | 1.2594% | 4,030 |
| Net loans and leases to total assets | 55.4934% | 4,545 |
| Net loans and leases to deposits | 70.0719% | 3,883 |
| Net loans and leases to core deposits | 95.4523% | 1,480 |
| Total domestic deposits to total assets | 79.1949% | 5,922 |
| Equity capital to assets | 15.1917% | 737 |
| Core capital (leverage) ratio | 14.6949% | 654 |
| Tier 1 risk-based capital ratio | 24.9501% | 907 |
| Total risk-based capital ratio | 23.8049% | 1,176 |
| Memoranda: | ||
| Average total assets | $248,405,670 | 2,565 |
| Average earning assets | $223,477,330 | 2,606 |
| Average equity | $39,943,670 | 1,747 |
| Average total loans | $128,146,330 | 2,962 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7785% | 6,298 |
| Cost of funding earning assets | 0.3241% | 6,758 |
| Net interest margin | 3.4543% | 4,896 |
| Noninterest income to average assets | 1.6388% | 542 |
| Noninterest expense to average assets | 5.5234% | 264 |
| Loan and lease loss provision to assets | 0.1543% | 3,448 |
| Net operating income to assets | -0.4429% | 6,796 |
| Return on assets (ROA) | -0.4429% | 6,828 |
| Pretax return on assets | -0.9455% | 6,965 |
| Return on Equity (ROE) | -2.6736% | 6,735 |
| Retained earnings to average equity (ytd only) | -2.6736% | 6,358 |
| Net charge-offs to loans | 0.0169% | 4,447 |
| Credit loss provision to net charge-offs | 1,860.0000% | 182 |
| Earnings coverage of net charge-offs (x) | -95.4000% | 4,720 |
| Efficiency ratio | 116.7192% | 255 |
| Assets per employee ($millions) | 2.1287% | 7,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2095% | 5,443 |
| Loan loss allowance to noncurrent loans | 83.6011% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 0.9560% | 4,593 |
| Noncurrent loans to loans | 1.4467% | 3,943 |
| Net loans and leases to total assets | 49.4905% | 5,373 |
| Net loans and leases to deposits | 67.6035% | 4,126 |
| Net loans and leases to core deposits | 78.3775% | 3,277 |
| Total domestic deposits to total assets | 73.2070% | 6,814 |
| Equity capital to assets | 16.0539% | 569 |
| Core capital (leverage) ratio | 15.8891% | 478 |
| Tier 1 risk-based capital ratio | 27.7186% | 665 |
| Total risk-based capital ratio | 26.4441% | 868 |
| Memoranda: | ||
| Average total assets | $241,155,000 | 2,655 |
| Average earning assets | $215,960,500 | 2,692 |
| Average equity | $39,945,500 | 1,740 |
| Average total loans | $118,493,000 | 3,187 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6413% | 6,903 |
| Cost of funding earning assets | 0.3291% | 7,054 |
| Net interest margin | 3.3122% | 5,773 |
| Noninterest income to average assets | 1.0613% | 1,192 |
| Noninterest expense to average assets | 5.3566% | 287 |
| Loan and lease loss provision to assets | 0.1863% | 4,327 |
| Net operating income to assets | -0.7783% | 6,647 |
| Return on assets (ROA) | -0.7783% | 6,678 |
| Pretax return on assets | -1.5476% | 6,911 |
| Return on Equity (ROE) | -4.2630% | 6,489 |
| Retained earnings to average equity (ytd only) | -4.2630% | 6,394 |
| Net charge-offs to loans | 0.0215% | 6,146 |
| Credit loss provision to net charge-offs | 1,990.4762% | 116 |
| Earnings coverage of net charge-offs (x) | -145.4286% | 6,435 |
| Efficiency ratio | 134.0734% | 209 |
| Assets per employee ($millions) | 2.0826% | 7,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2663% | 5,087 |
| Loan loss allowance to noncurrent loans | 67.4739% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 1.1498% | 4,317 |
| Noncurrent loans to loans | 1.8767% | 3,370 |
| Net loans and leases to total assets | 47.5006% | 5,876 |
| Net loans and leases to deposits | 64.1705% | 4,986 |
| Net loans and leases to core deposits | 71.5084% | 4,590 |
| Total domestic deposits to total assets | 74.0225% | 6,714 |
| Equity capital to assets | 17.1091% | 436 |
| Core capital (leverage) ratio | 16.9289% | 368 |
| Tier 1 risk-based capital ratio | 30.4715% | 500 |
| Total risk-based capital ratio | 28.9016% | 637 |
| Memoranda: | ||
| Average total assets | $224,340,800 | 2,793 |
| Average earning assets | $198,722,200 | 2,872 |
| Average equity | $40,957,400 | 1,640 |
| Average total loans | $97,613,200 | 3,681 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6422% | 6,985 |
| Cost of funding earning assets | 0.3280% | 7,159 |
| Net interest margin | 3.3141% | 5,821 |
| Noninterest income to average assets | 1.6436% | 500 |
| Noninterest expense to average assets | 5.3623% | 275 |
| Loan and lease loss provision to assets | 0.0990% | 5,218 |
| Net operating income to assets | -0.4142% | 6,593 |
| Return on assets (ROA) | -0.4142% | 6,644 |
| Pretax return on assets | -0.8884% | 6,827 |
| Return on Equity (ROE) | -2.2319% | 6,500 |
| Retained earnings to average equity (ytd only) | -2.2319% | 6,324 |
| Net charge-offs to loans | 0.0270% | 5,769 |
| Credit loss provision to net charge-offs | 868.4211% | 315 |
| Earnings coverage of net charge-offs (x) | -69.2179% | 6,172 |
| Efficiency ratio | 117.2617% | 334 |
| Assets per employee ($millions) | 1.9276% | 7,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1789% | 5,552 |
| Loan loss allowance to noncurrent loans | 92.7100% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 0.8291% | 5,110 |
| Noncurrent loans to loans | 1.2716% | 4,410 |
| Net loans and leases to total assets | 44.2426% | 6,316 |
| Net loans and leases to deposits | 59.1818% | 5,734 |
| Net loans and leases to core deposits | 64.5832% | 5,556 |
| Total domestic deposits to total assets | 74.7571% | 6,669 |
| Equity capital to assets | 18.4750% | 348 |
| Core capital (leverage) ratio | 18.2343% | 305 |
| Tier 1 risk-based capital ratio | 33.6911% | 396 |
| Total risk-based capital ratio | 31.7802% | 501 |
| Memoranda: | ||
| Average total assets | $222,112,000 | 2,823 |
| Average earning assets | $196,325,500 | 2,912 |
| Average equity | $41,219,750 | 1,630 |
| Average total loans | $93,961,750 | 3,797 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6477% | 7,066 |
| Cost of funding earning assets | 0.3199% | 7,278 |
| Net interest margin | 3.3277% | 5,779 |
| Noninterest income to average assets | 0.6137% | 3,048 |
| Noninterest expense to average assets | 5.3101% | 294 |
| Loan and lease loss provision to assets | 0.0135% | 6,109 |
| Net operating income to assets | -0.9251% | 6,921 |
| Return on assets (ROA) | -0.9251% | 6,922 |
| Pretax return on assets | -1.7709% | 7,127 |
| Return on Equity (ROE) | -4.9772% | 6,715 |
| Retained earnings to average equity (ytd only) | -4.9772% | 6,567 |
| Net charge-offs to loans | 0.0347% | 5,365 |
| Credit loss provision to net charge-offs | 93.7500% | 3,350 |
| Earnings coverage of net charge-offs (x) | -122.0625% | 5,868 |
| Efficiency ratio | 149.4681% | 156 |
| Assets per employee ($millions) | 1.9455% | 7,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0951% | 5,978 |
| Loan loss allowance to noncurrent loans | 105.3553% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.7760% | 5,340 |
| Noncurrent loans to loans | 1.0395% | 4,916 |
| Net loans and leases to total assets | 41.6566% | 6,616 |
| Net loans and leases to deposits | 55.5785% | 6,171 |
| Net loans and leases to core deposits | 58.4524% | 6,240 |
| Total domestic deposits to total assets | 74.9509% | 6,732 |
| Equity capital to assets | 18.3365% | 356 |
| Core capital (leverage) ratio | 18.0945% | 324 |
| Tier 1 risk-based capital ratio | 34.8229% | 353 |
| Total risk-based capital ratio | 32.9620% | 459 |
| Memoranda: | ||
| Average total assets | $222,256,670 | 2,834 |
| Average earning assets | $196,289,670 | 2,919 |
| Average equity | $41,308,000 | 1,623 |
| Average total loans | $92,200,330 | 3,884 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6367% | 7,114 |
| Cost of funding earning assets | 0.3058% | 7,383 |
| Net interest margin | 3.3309% | 5,673 |
| Noninterest income to average assets | 1.7277% | 459 |
| Noninterest expense to average assets | 5.3270% | 287 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.3038% | 6,666 |
| Return on assets (ROA) | -0.3038% | 6,677 |
| Pretax return on assets | -0.6616% | 6,853 |
| Return on Equity (ROE) | -1.6239% | 6,550 |
| Retained earnings to average equity (ytd only) | -1.6239% | 6,090 |
| Net charge-offs to loans | 0.0131% | 4,898 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -122.6667% | 5,101 |
| Efficiency ratio | 114.1811% | 425 |
| Assets per employee ($millions) | 2.0709% | 7,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1156% | 5,989 |
| Loan loss allowance to noncurrent loans | 109.1979% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 0.7534% | 5,414 |
| Noncurrent loans to loans | 1.0216% | 5,014 |
| Net loans and leases to total assets | 40.4642% | 6,745 |
| Net loans and leases to deposits | 54.1574% | 6,281 |
| Net loans and leases to core deposits | 56.9420% | 6,344 |
| Total domestic deposits to total assets | 74.7159% | 6,831 |
| Equity capital to assets | 18.5727% | 326 |
| Core capital (leverage) ratio | 18.2787% | 319 |
| Tier 1 risk-based capital ratio | 35.5961% | 334 |
| Total risk-based capital ratio | 33.4697% | 420 |
| Memoranda: | ||
| Average total assets | $222,489,000 | 2,856 |
| Average earning assets | $196,224,500 | 2,927 |
| Average equity | $41,627,500 | 1,603 |
| Average total loans | $91,593,500 | 3,941 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6844% | 7,312 |
| Cost of funding earning assets | 0.2763% | 7,521 |
| Net interest margin | 3.4081% | 5,594 |
| Noninterest income to average assets | 3.3530% | 206 |
| Noninterest expense to average assets | 5.5351% | 296 |
| Loan and lease loss provision to assets | 0.0187% | 6,923 |
| Net operating income to assets | 0.4509% | 4,313 |
| Return on assets (ROA) | 0.4509% | 4,474 |
| Pretax return on assets | 0.8185% | 3,574 |
| Return on Equity (ROE) | 2.5035% | 5,177 |
| Retained earnings to average equity (ytd only) | 2.5035% | 4,116 |
| Net charge-offs to loans | 0.0465% | 6,338 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 44.8605% | 515 |
| Efficiency ratio | 86.8624% | 1,583 |
| Assets per employee ($millions) | 1.8916% | 7,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1171% | 5,892 |
| Loan loss allowance to noncurrent loans | 110.9426% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.7559% | 5,496 |
| Noncurrent loans to loans | 1.0069% | 5,051 |
| Net loans and leases to total assets | 40.9546% | 6,905 |
| Net loans and leases to deposits | 53.5056% | 6,645 |
| Net loans and leases to core deposits | 54.3954% | 6,790 |
| Total domestic deposits to total assets | 76.5426% | 6,562 |
| Equity capital to assets | 18.8486% | 321 |
| Core capital (leverage) ratio | 18.5391% | 301 |
| Tier 1 risk-based capital ratio | 35.4678% | 335 |
| Total risk-based capital ratio | 33.3545% | 416 |
| Memoranda: | ||
| Average total assets | $230,419,400 | 2,752 |
| Average earning assets | $204,129,400 | 2,818 |
| Average equity | $41,502,000 | 1,596 |
| Average total loans | $92,394,600 | 3,996 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7160% | 7,439 |
| Cost of funding earning assets | 0.2790% | 7,647 |
| Net interest margin | 3.4370% | 5,543 |
| Noninterest income to average assets | 3.2500% | 203 |
| Noninterest expense to average assets | 5.5768% | 263 |
| Loan and lease loss provision to assets | 0.0183% | 6,870 |
| Net operating income to assets | 0.3856% | 4,814 |
| Return on assets (ROA) | 0.3856% | 4,999 |
| Pretax return on assets | 0.7036% | 4,217 |
| Return on Equity (ROE) | 2.1649% | 5,547 |
| Retained earnings to average equity (ytd only) | 2.1649% | 4,875 |
| Net charge-offs to loans | 0.0461% | 6,071 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 39.3710% | 691 |
| Efficiency ratio | 88.5382% | 1,408 |
| Assets per employee ($millions) | 1.9102% | 7,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2320% | 5,334 |
| Loan loss allowance to noncurrent loans | 164.6302% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.5887% | 5,964 |
| Noncurrent loans to loans | 0.7483% | 5,709 |
| Net loans and leases to total assets | 35.2262% | 7,298 |
| Net loans and leases to deposits | 47.5180% | 7,105 |
| Net loans and leases to core deposits | 47.6620% | 7,220 |
| Total domestic deposits to total assets | 74.1325% | 6,907 |
| Equity capital to assets | 17.7609% | 437 |
| Core capital (leverage) ratio | 17.4796% | 389 |
| Tier 1 risk-based capital ratio | 35.9574% | 324 |
| Total risk-based capital ratio | 33.7947% | 406 |
| Memoranda: | ||
| Average total assets | $232,695,250 | 2,748 |
| Average earning assets | $206,415,000 | 2,826 |
| Average equity | $41,448,750 | 1,601 |
| Average total loans | $92,577,500 | 4,065 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8378% | 7,472 |
| Cost of funding earning assets | 0.2813% | 7,721 |
| Net interest margin | 3.5564% | 5,022 |
| Noninterest income to average assets | 4.1208% | 163 |
| Noninterest expense to average assets | 5.6265% | 257 |
| Loan and lease loss provision to assets | 0.0198% | 6,732 |
| Net operating income to assets | 0.8728% | 2,647 |
| Return on assets (ROA) | 0.8728% | 2,778 |
| Pretax return on assets | 1.6270% | 1,222 |
| Return on Equity (ROE) | 4.8953% | 4,340 |
| Retained earnings to average equity (ytd only) | 4.8953% | 2,965 |
| Net charge-offs to loans | 0.0481% | 5,716 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 83.2609% | 383 |
| Efficiency ratio | 77.3587% | 2,838 |
| Assets per employee ($millions) | 1.8134% | 7,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2140% | 5,380 |
| Loan loss allowance to noncurrent loans | 165.4281% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.5898% | 6,016 |
| Noncurrent loans to loans | 0.7338% | 5,788 |
| Net loans and leases to total assets | 35.8984% | 7,355 |
| Net loans and leases to deposits | 47.3253% | 7,193 |
| Net loans and leases to core deposits | 47.4657% | 7,306 |
| Total domestic deposits to total assets | 75.8546% | 6,720 |
| Equity capital to assets | 17.9550% | 421 |
| Core capital (leverage) ratio | 17.6676% | 381 |
| Tier 1 risk-based capital ratio | 35.0889% | 347 |
| Total risk-based capital ratio | 35.9682% | 355 |
| Memoranda: | ||
| Average total assets | $232,578,670 | 2,771 |
| Average earning assets | $206,161,670 | 2,856 |
| Average equity | $41,468,000 | 1,589 |
| Average total loans | $95,731,000 | 4,021 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0654% | 7,405 |
| Cost of funding earning assets | 0.2561% | 7,837 |
| Net interest margin | 3.8092% | 3,761 |
| Noninterest income to average assets | 6.0565% | 118 |
| Noninterest expense to average assets | 5.5239% | 272 |
| Loan and lease loss provision to assets | 0.0172% | 6,463 |
| Net operating income to assets | 2.1065% | 292 |
| Return on assets (ROA) | 2.1065% | 320 |
| Pretax return on assets | 3.8882% | 78 |
| Return on Equity (ROE) | 11.8559% | 1,533 |
| Retained earnings to average equity (ytd only) | 11.8559% | 769 |
| Net charge-offs to loans | 0.0394% | 5,024 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 227.3000% | 148 |
| Efficiency ratio | 58.5824% | 6,397 |
| Assets per employee ($millions) | 1.7190% | 7,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0125% | 6,394 |
| Loan loss allowance to noncurrent loans | 102.9146% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 0.7519% | 5,648 |
| Noncurrent loans to loans | 0.9838% | 5,356 |
| Net loans and leases to total assets | 43.1386% | 7,052 |
| Net loans and leases to deposits | 54.3952% | 6,892 |
| Net loans and leases to core deposits | 54.3952% | 7,083 |
| Total domestic deposits to total assets | 79.3059% | 6,010 |
| Equity capital to assets | 18.0694% | 415 |
| Core capital (leverage) ratio | 17.7561% | 382 |
| Tier 1 risk-based capital ratio | 34.5254% | 366 |
| Total risk-based capital ratio | 35.3867% | 377 |
| Memoranda: | ||
| Average total assets | $232,808,500 | 2,841 |
| Average earning assets | $206,132,000 | 2,921 |
| Average equity | $41,363,500 | 1,616 |
| Average total loans | $101,421,000 | 3,905 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5730% | 7,312 |
| Cost of funding earning assets | 0.4769% | 7,850 |
| Net interest margin | 4.0961% | 2,467 |
| Noninterest income to average assets | 4.1414% | 165 |
| Noninterest expense to average assets | 5.5061% | 391 |
| Loan and lease loss provision to assets | 0.0413% | 7,135 |
| Net operating income to assets | 1.0716% | 1,591 |
| Return on assets (ROA) | 1.8826% | 306 |
| Pretax return on assets | 3.4831% | 64 |
| Return on Equity (ROE) | 11.7619% | 1,218 |
| Retained earnings to average equity (ytd only) | 11.7619% | 227 |
| Net charge-offs to loans | 0.0645% | 6,464 |
| Credit loss provision to net charge-offs | 150.0000% | 3,093 |
| Earnings coverage of net charge-offs (x) | 82.0758% | 333 |
| Efficiency ratio | 70.9248% | 4,452 |
| Assets per employee ($millions) | 1.7173% | 7,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0068% | 6,333 |
| Loan loss allowance to noncurrent loans | 165.4281% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.5862% | 5,992 |
| Noncurrent loans to loans | 0.6086% | 6,024 |
| Net loans and leases to total assets | 43.1101% | 7,169 |
| Net loans and leases to deposits | 53.5325% | 7,082 |
| Net loans and leases to core deposits | 54.7529% | 7,446 |
| Total domestic deposits to total assets | 80.5306% | 5,500 |
| Equity capital to assets | 17.4668% | 508 |
| Core capital (leverage) ratio | 17.1547% | 476 |
| Tier 1 risk-based capital ratio | 32.7785% | 418 |
| Total risk-based capital ratio | 33.6194% | 424 |
| Memoranda: | ||
| Average total assets | $239,988,800 | 2,718 |
| Average earning assets | $212,201,600 | 2,807 |
| Average equity | $38,412,000 | 1,746 |
| Average total loans | $102,333,000 | 3,885 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6238% | 7,381 |
| Cost of funding earning assets | 0.5191% | 7,930 |
| Net interest margin | 4.1047% | 2,376 |
| Noninterest income to average assets | 4.0032% | 168 |
| Noninterest expense to average assets | 5.4226% | 383 |
| Loan and lease loss provision to assets | 0.0359% | 6,998 |
| Net operating income to assets | 1.0048% | 2,038 |
| Return on assets (ROA) | 2.0789% | 271 |
| Pretax return on assets | 3.8493% | 55 |
| Return on Equity (ROE) | 13.2813% | 1,048 |
| Retained earnings to average equity (ytd only) | 13.2813% | 239 |
| Net charge-offs to loans | 0.0663% | 6,030 |
| Credit loss provision to net charge-offs | 127.4510% | 3,943 |
| Earnings coverage of net charge-offs (x) | 78.4099% | 430 |
| Efficiency ratio | 71.0741% | 4,408 |
| Assets per employee ($millions) | 1.9375% | 7,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9521% | 6,529 |
| Loan loss allowance to noncurrent loans | 188.2022% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.4983% | 6,219 |
| Noncurrent loans to loans | 0.5059% | 6,294 |
| Net loans and leases to total assets | 40.5752% | 7,434 |
| Net loans and leases to deposits | 54.2810% | 7,192 |
| Net loans and leases to core deposits | 55.6543% | 7,554 |
| Total domestic deposits to total assets | 74.7503% | 6,818 |
| Equity capital to assets | 15.5424% | 881 |
| Core capital (leverage) ratio | 15.2609% | 810 |
| Tier 1 risk-based capital ratio | 30.6000% | 538 |
| Total risk-based capital ratio | 31.3846% | 542 |
| Memoranda: | ||
| Average total assets | $241,598,250 | 2,719 |
| Average earning assets | $213,443,000 | 2,806 |
| Average equity | $37,816,500 | 1,798 |
| Average total loans | $102,489,250 | 3,925 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6672% | 7,430 |
| Cost of funding earning assets | 0.5792% | 8,001 |
| Net interest margin | 4.0880% | 2,364 |
| Noninterest income to average assets | 3.4702% | 183 |
| Noninterest expense to average assets | 5.3760% | 404 |
| Loan and lease loss provision to assets | 0.0271% | 6,972 |
| Net operating income to assets | 0.8180% | 2,786 |
| Return on assets (ROA) | 1.3918% | 1,112 |
| Pretax return on assets | 2.5610% | 187 |
| Return on Equity (ROE) | 8.8692% | 2,406 |
| Retained earnings to average equity (ytd only) | 8.8692% | 971 |
| Net charge-offs to loans | 0.0631% | 5,614 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 62.4375% | 574 |
| Efficiency ratio | 76.0661% | 3,678 |
| Assets per employee ($millions) | 1.8053% | 7,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9554% | 6,528 |
| Loan loss allowance to noncurrent loans | 186.6290% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.5335% | 6,101 |
| Noncurrent loans to loans | 0.5119% | 6,247 |
| Net loans and leases to total assets | 42.7877% | 7,405 |
| Net loans and leases to deposits | 52.1643% | 7,375 |
| Net loans and leases to core deposits | 53.7232% | 7,662 |
| Total domestic deposits to total assets | 82.0248% | 4,688 |
| Equity capital to assets | 15.8965% | 847 |
| Core capital (leverage) ratio | 15.5995% | 806 |
| Tier 1 risk-based capital ratio | 30.2802% | 589 |
| Total risk-based capital ratio | 31.0842% | 601 |
| Memoranda: | ||
| Average total assets | $236,237,000 | 2,789 |
| Average earning assets | $207,877,330 | 2,897 |
| Average equity | $37,072,000 | 1,843 |
| Average total loans | $101,465,670 | 3,976 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9944% | 6,942 |
| Cost of funding earning assets | 0.6706% | 8,008 |
| Net interest margin | 4.3238% | 1,538 |
| Noninterest income to average assets | 2.6888% | 228 |
| Noninterest expense to average assets | 5.5177% | 360 |
| Loan and lease loss provision to assets | 0.0546% | 6,280 |
| Net operating income to assets | 0.2975% | 5,310 |
| Return on assets (ROA) | 1.4545% | 1,104 |
| Pretax return on assets | 2.6888% | 184 |
| Return on Equity (ROE) | 9.3310% | 2,600 |
| Retained earnings to average equity (ytd only) | 9.3310% | 1,394 |
| Net charge-offs to loans | 0.0080% | 5,555 |
| Credit loss provision to net charge-offs | 1,600.0000% | 385 |
| Earnings coverage of net charge-offs (x) | 274.0000% | 150 |
| Efficiency ratio | 85.5026% | 2,130 |
| Assets per employee ($millions) | 1.8572% | 7,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0043% | 6,142 |
| Loan loss allowance to noncurrent loans | 89.6400% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 0.5197% | 5,916 |
| Noncurrent loans to loans | 1.1204% | 4,743 |
| Net loans and leases to total assets | 42.0059% | 7,466 |
| Net loans and leases to deposits | 54.3039% | 7,271 |
| Net loans and leases to core deposits | 56.2649% | 7,606 |
| Total domestic deposits to total assets | 77.3535% | 6,198 |
| Equity capital to assets | 15.4993% | 967 |
| Core capital (leverage) ratio | 15.2982% | 902 |
| Tier 1 risk-based capital ratio | 29.9737% | 620 |
| Total risk-based capital ratio | 30.8107% | 630 |
| Memoranda: | ||
| Average total assets | $234,301,000 | 2,830 |
| Average earning assets | $203,987,500 | 2,965 |
| Average equity | $36,523,500 | 1,871 |
| Average total loans | $100,334,500 | 4,020 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4284% | 7,427 |
| Cost of funding earning assets | 1.0395% | 8,039 |
| Net interest margin | 4.3889% | 1,719 |
| Noninterest income to average assets | 0.5637% | 4,120 |
| Noninterest expense to average assets | 5.1810% | 582 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.6043% | 7,005 |
| Return on assets (ROA) | 0.0777% | 6,008 |
| Pretax return on assets | 0.0998% | 5,944 |
| Return on Equity (ROE) | 0.4978% | 6,078 |
| Retained earnings to average equity (ytd only) | 0.4978% | 4,939 |
| Net charge-offs to loans | 0.0315% | 6,387 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | -56.7188% | 6,990 |
| Efficiency ratio | 117.5753% | 602 |
| Assets per employee ($millions) | 1.7483% | 8,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0009% | 6,045 |
| Loan loss allowance to noncurrent loans | 90.9174% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 0.4759% | 5,798 |
| Noncurrent loans to loans | 1.1009% | 4,358 |
| Net loans and leases to total assets | 42.7990% | 7,542 |
| Net loans and leases to deposits | 53.9746% | 7,436 |
| Net loans and leases to core deposits | 56.1449% | 7,738 |
| Total domestic deposits to total assets | 79.2947% | 5,264 |
| Equity capital to assets | 15.6813% | 1,001 |
| Core capital (leverage) ratio | 15.6220% | 895 |
| Tier 1 risk-based capital ratio | 29.7676% | 655 |
| Total risk-based capital ratio | 30.5927% | 663 |
| Memoranda: | ||
| Average total assets | $234,356,400 | 2,711 |
| Average earning assets | $205,197,200 | 2,837 |
| Average equity | $36,559,800 | 1,848 |
| Average total loans | $101,578,600 | 3,904 |