Home > Central Federal Savings and Loan Association > Performance and Condition Ratios
Central Federal Savings and Loan Association, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1559% | 3,712 |
| Cost of funding earning assets | 1.2615% | 2,625 |
| Net interest margin | 2.8944% | 3,502 |
| Noninterest income to average assets | 0.0600% | 4,411 |
| Noninterest expense to average assets | 2.5747% | 2,084 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.0921% | 4,259 |
| Return on assets (ROA) | 0.0921% | 4,285 |
| Pretax return on assets | 0.1393% | 4,248 |
| Return on Equity (ROE) | 1.0000% | 4,263 |
| Retained earnings to average equity (ytd only) | 1.0050% | 3,836 |
| Net charge-offs to loans | -0.0091% | 3,975 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 91.3739% | 375 |
| Assets per employee ($millions) | 4.3295% | 4,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0962% | 2,861 |
| Loan loss allowance to noncurrent loans | 132.2609% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 0.5619% | 997 |
| Noncurrent loans to loans | 0.8288% | 928 |
| Net loans and leases to total assets | 67.0500% | 2,141 |
| Net loans and leases to deposits | 80.4276% | 2,066 |
| Net loans and leases to core deposits | 91.8046% | 1,917 |
| Total domestic deposits to total assets | 83.3700% | 2,790 |
| Equity capital to assets | 9.0371% | 2,653 |
| Core capital (leverage) ratio | 10.1292% | 2,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $191,014,200 | 3,044 |
| Average earning assets | $182,004,400 | 2,992 |
| Average equity | $17,512,600 | 3,051 |
| Average total loans | $120,477,400 | 2,950 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9909% | 3,860 |
| Cost of funding earning assets | 1.0577% | 2,871 |
| Net interest margin | 2.9332% | 3,470 |
| Noninterest income to average assets | 0.0600% | 4,432 |
| Noninterest expense to average assets | 2.6126% | 1,908 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 0.0515% | 4,348 |
| Return on assets (ROA) | 0.0515% | 4,370 |
| Pretax return on assets | 0.1044% | 4,340 |
| Return on Equity (ROE) | 0.5600% | 4,353 |
| Retained earnings to average equity (ytd only) | 0.5597% | 4,037 |
| Net charge-offs to loans | -0.0103% | 3,939 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 91.4978% | 333 |
| Assets per employee ($millions) | 4.0634% | 4,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1560% | 2,591 |
| Loan loss allowance to noncurrent loans | 174.7045% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 0.4249% | 1,368 |
| Noncurrent loans to loans | 0.6617% | 1,245 |
| Net loans and leases to total assets | 63.4700% | 2,508 |
| Net loans and leases to deposits | 75.9588% | 2,423 |
| Net loans and leases to core deposits | 85.1526% | 2,246 |
| Total domestic deposits to total assets | 83.5600% | 2,885 |
| Equity capital to assets | 8.6360% | 2,639 |
| Core capital (leverage) ratio | 10.7785% | 2,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $188,978,500 | 3,068 |
| Average earning assets | $180,004,750 | 3,017 |
| Average equity | $17,391,250 | 3,052 |
| Average total loans | $116,842,250 | 2,991 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9800% | 3,730 |
| Cost of funding earning assets | 0.9328% | 2,824 |
| Net interest margin | 3.0473% | 3,324 |
| Noninterest income to average assets | 0.0600% | 4,461 |
| Noninterest expense to average assets | 2.6487% | 1,794 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.2435% | 4,240 |
| Return on assets (ROA) | 0.2435% | 4,261 |
| Pretax return on assets | 0.3136% | 4,214 |
| Return on Equity (ROE) | 2.5900% | 4,206 |
| Retained earnings to average equity (ytd only) | 2.5893% | 3,580 |
| Net charge-offs to loans | -0.0124% | 3,985 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 89.3780% | 376 |
| Assets per employee ($millions) | 3.8618% | 4,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1489% | 2,716 |
| Loan loss allowance to noncurrent loans | 119.4781% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 0.5789% | 933 |
| Noncurrent loans to loans | 0.9616% | 787 |
| Net loans and leases to total assets | 59.5100% | 2,819 |
| Net loans and leases to deposits | 71.5517% | 2,681 |
| Net loans and leases to core deposits | 74.4851% | 2,857 |
| Total domestic deposits to total assets | 83.1600% | 3,007 |
| Equity capital to assets | 9.5175% | 2,149 |
| Core capital (leverage) ratio | 10.8795% | 1,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $185,601,667 | 3,096 |
| Average earning assets | $176,681,333 | 3,049 |
| Average equity | $17,456,667 | 3,067 |
| Average total loans | $113,172,000 | 3,030 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8203% | 3,819 |
| Cost of funding earning assets | 0.7310% | 2,960 |
| Net interest margin | 3.0893% | 3,374 |
| Noninterest income to average assets | 0.0600% | 4,506 |
| Noninterest expense to average assets | 2.7568% | 1,535 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.1960% | 4,359 |
| Return on assets (ROA) | 0.1960% | 4,325 |
| Pretax return on assets | 0.2455% | 4,300 |
| Return on Equity (ROE) | 2.1000% | 4,292 |
| Retained earnings to average equity (ytd only) | 2.0963% | 3,686 |
| Net charge-offs to loans | -0.0105% | 3,857 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 91.8221% | 314 |
| Assets per employee ($millions) | 3.9741% | 4,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1246% | 2,937 |
| Loan loss allowance to noncurrent loans | 115.6703% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 0.5911% | 868 |
| Noncurrent loans to loans | 0.9722% | 763 |
| Net loans and leases to total assets | 60.1100% | 2,639 |
| Net loans and leases to deposits | 72.7877% | 2,401 |
| Net loans and leases to core deposits | 75.5034% | 2,570 |
| Total domestic deposits to total assets | 82.5800% | 3,387 |
| Equity capital to assets | 9.4274% | 2,204 |
| Core capital (leverage) ratio | 10.9637% | 1,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $185,720,500 | 3,130 |
| Average earning assets | $176,741,000 | 3,088 |
| Average equity | $17,364,000 | 3,102 |
| Average total loans | $113,966,000 | 3,046 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2742% | 3,652 |
| Cost of funding earning assets | 0.2935% | 2,931 |
| Net interest margin | 2.9807% | 3,499 |
| Noninterest income to average assets | 0.0900% | 4,461 |
| Noninterest expense to average assets | 2.4966% | 2,128 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.2304% | 4,429 |
| Return on assets (ROA) | 0.2304% | 4,405 |
| Pretax return on assets | 0.4320% | 4,245 |
| Return on Equity (ROE) | 2.4900% | 4,342 |
| Retained earnings to average equity (ytd only) | 2.4917% | 3,858 |
| Net charge-offs to loans | -0.0062% | 3,675 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 85.0731% | 447 |
| Assets per employee ($millions) | 3.7676% | 4,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1138% | 2,828 |
| Loan loss allowance to noncurrent loans | 130.2658% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 0.5298% | 949 |
| Noncurrent loans to loans | 0.8550% | 872 |
| Net loans and leases to total assets | 61.2700% | 2,521 |
| Net loans and leases to deposits | 71.9898% | 2,408 |
| Net loans and leases to core deposits | 74.4853% | 2,531 |
| Total domestic deposits to total assets | 85.1000% | 2,969 |
| Equity capital to assets | 9.2496% | 2,197 |
| Core capital (leverage) ratio | 10.7271% | 2,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $193,981,400 | 3,075 |
| Average earning assets | $184,989,400 | 3,037 |
| Average equity | $17,939,800 | 3,128 |
| Average total loans | $112,118,000 | 3,004 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1197% | 3,629 |
| Cost of funding earning assets | 0.2747% | 2,437 |
| Net interest margin | 2.8450% | 3,638 |
| Noninterest income to average assets | 0.0900% | 4,493 |
| Noninterest expense to average assets | 2.4911% | 2,040 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2248% | 4,452 |
| Return on assets (ROA) | 0.2248% | 4,417 |
| Pretax return on assets | 0.3124% | 4,362 |
| Return on Equity (ROE) | 2.4300% | 4,364 |
| Retained earnings to average equity (ytd only) | 2.4308% | 3,931 |
| Net charge-offs to loans | -0.0060% | 3,533 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 88.7355% | 362 |
| Assets per employee ($millions) | 3.9280% | 4,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9885% | 3,540 |
| Loan loss allowance to noncurrent loans | 99.2927% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 0.5876% | 900 |
| Noncurrent loans to loans | 0.9956% | 782 |
| Net loans and leases to total assets | 58.4400% | 2,647 |
| Net loans and leases to deposits | 67.3660% | 2,596 |
| Net loans and leases to core deposits | 69.2468% | 2,697 |
| Total domestic deposits to total assets | 86.7500% | 2,839 |
| Equity capital to assets | 8.8222% | 2,335 |
| Core capital (leverage) ratio | 10.0935% | 2,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $196,323,500 | 3,087 |
| Average earning assets | $187,361,750 | 3,037 |
| Average equity | $18,155,750 | 3,151 |
| Average total loans | $111,552,500 | 3,028 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9560% | 3,662 |
| Cost of funding earning assets | 0.2808% | 1,893 |
| Net interest margin | 2.6752% | 3,754 |
| Noninterest income to average assets | 0.0870% | 4,537 |
| Noninterest expense to average assets | 2.5009% | 1,927 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.0961% | 4,516 |
| Return on assets (ROA) | 0.0961% | 4,483 |
| Pretax return on assets | 0.1417% | 4,458 |
| Return on Equity (ROE) | 1.0244% | 4,461 |
| Retained earnings to average equity (ytd only) | 1.0244% | 3,991 |
| Net charge-offs to loans | -0.0036% | 3,251 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4466% | 281 |
| Assets per employee ($millions) | 4.0890% | 4,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9918% | 3,634 |
| Loan loss allowance to noncurrent loans | 219.1781% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 0.2604% | 2,004 |
| Noncurrent loans to loans | 0.4525% | 1,764 |
| Net loans and leases to total assets | 56.9648% | 2,645 |
| Net loans and leases to deposits | 66.4418% | 2,510 |
| Net loans and leases to core deposits | 68.2808% | 2,624 |
| Total domestic deposits to total assets | 85.7363% | 3,314 |
| Equity capital to assets | 8.8524% | 2,493 |
| Core capital (leverage) ratio | 9.9369% | 2,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $197,608,000 | 3,111 |
| Average earning assets | $188,768,000 | 3,072 |
| Average equity | $18,547,667 | 3,182 |
| Average total loans | $110,868,667 | 3,053 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8514% | 3,645 |
| Cost of funding earning assets | 0.2889% | 1,749 |
| Net interest margin | 2.5624% | 3,746 |
| Noninterest income to average assets | 0.1009% | 4,502 |
| Noninterest expense to average assets | 2.5480% | 1,758 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.0565% | 4,574 |
| Return on assets (ROA) | -0.0565% | 4,557 |
| Pretax return on assets | 0.0040% | 4,517 |
| Return on Equity (ROE) | -0.5853% | 4,566 |
| Retained earnings to average equity (ytd only) | -0.5853% | 4,096 |
| Net charge-offs to loans | -0.0073% | 3,475 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5257% | 252 |
| Assets per employee ($millions) | 4.1737% | 4,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0117% | 3,672 |
| Loan loss allowance to noncurrent loans | 214.1491% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.2666% | 2,076 |
| Noncurrent loans to loans | 0.4724% | 1,841 |
| Net loans and leases to total assets | 55.8660% | 2,544 |
| Net loans and leases to deposits | 65.5650% | 2,371 |
| Net loans and leases to core deposits | 67.3906% | 2,502 |
| Total domestic deposits to total assets | 85.2069% | 3,494 |
| Equity capital to assets | 9.4073% | 2,355 |
| Core capital (leverage) ratio | 9.8736% | 2,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $198,275,000 | 3,118 |
| Average earning assets | $189,663,500 | 3,082 |
| Average equity | $19,134,000 | 3,226 |
| Average total loans | $109,839,500 | 3,065 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8936% | 4,066 |
| Cost of funding earning assets | 0.3861% | 1,642 |
| Net interest margin | 2.5075% | 4,177 |
| Noninterest income to average assets | 0.1041% | 4,588 |
| Noninterest expense to average assets | 2.3880% | 2,524 |
| Loan and lease loss provision to assets | -0.1112% | 4,563 |
| Net operating income to assets | 0.1539% | 4,574 |
| Return on assets (ROA) | 0.1539% | 4,588 |
| Pretax return on assets | 0.2248% | 4,550 |
| Return on Equity (ROE) | 1.5387% | 4,553 |
| Retained earnings to average equity (ytd only) | 1.5387% | 4,109 |
| Net charge-offs to loans | -0.0975% | 4,576 |
| Credit loss provision to net charge-offs | 200.9091% | 1,299 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2754% | 207 |
| Assets per employee ($millions) | 4.1747% | 4,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0260% | 3,639 |
| Loan loss allowance to noncurrent loans | 251.8018% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.2216% | 2,450 |
| Noncurrent loans to loans | 0.4075% | 2,137 |
| Net loans and leases to total assets | 53.8222% | 2,872 |
| Net loans and leases to deposits | 64.2931% | 2,666 |
| Net loans and leases to core deposits | 66.0742% | 2,813 |
| Total domestic deposits to total assets | 83.7138% | 3,634 |
| Equity capital to assets | 9.8880% | 2,764 |
| Core capital (leverage) ratio | 9.8437% | 2,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $198,830,400 | 3,075 |
| Average earning assets | $190,110,200 | 3,029 |
| Average equity | $19,886,400 | 3,227 |
| Average total loans | $112,816,000 | 3,028 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9176% | 4,137 |
| Cost of funding earning assets | 0.4071% | 1,649 |
| Net interest margin | 2.5106% | 4,257 |
| Noninterest income to average assets | 0.1142% | 4,602 |
| Noninterest expense to average assets | 2.4168% | 2,386 |
| Loan and lease loss provision to assets | -0.1487% | 4,685 |
| Net operating income to assets | 0.2405% | 4,587 |
| Return on assets (ROA) | 0.2405% | 4,609 |
| Pretax return on assets | 0.2452% | 4,635 |
| Return on Equity (ROE) | 2.3981% | 4,536 |
| Retained earnings to average equity (ytd only) | 2.3981% | 4,082 |
| Net charge-offs to loans | -0.1277% | 4,691 |
| Credit loss provision to net charge-offs | 202.7523% | 1,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9904% | 196 |
| Assets per employee ($millions) | 4.0451% | 4,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9968% | 3,858 |
| Loan loss allowance to noncurrent loans | 245.2747% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.2296% | 2,626 |
| Noncurrent loans to loans | 0.4064% | 2,342 |
| Net loans and leases to total assets | 55.9215% | 2,731 |
| Net loans and leases to deposits | 67.0291% | 2,538 |
| Net loans and leases to core deposits | 69.0673% | 2,678 |
| Total domestic deposits to total assets | 83.4287% | 3,603 |
| Equity capital to assets | 10.1201% | 2,785 |
| Core capital (leverage) ratio | 9.9049% | 2,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $198,442,000 | 3,112 |
| Average earning assets | $189,645,750 | 3,070 |
| Average equity | $19,904,500 | 3,261 |
| Average total loans | $113,777,750 | 3,054 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9475% | 4,142 |
| Cost of funding earning assets | 0.4346% | 1,618 |
| Net interest margin | 2.5129% | 4,286 |
| Noninterest income to average assets | 0.1149% | 4,628 |
| Noninterest expense to average assets | 2.4239% | 2,383 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.0887% | 4,724 |
| Return on assets (ROA) | 0.0887% | 4,740 |
| Pretax return on assets | 0.0907% | 4,742 |
| Return on Equity (ROE) | 0.8865% | 4,715 |
| Retained earnings to average equity (ytd only) | 0.8865% | 4,368 |
| Net charge-offs to loans | -0.1871% | 4,786 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3141% | 213 |
| Assets per employee ($millions) | 3.9485% | 4,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1597% | 3,144 |
| Loan loss allowance to noncurrent loans | 424.1270% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.1564% | 3,214 |
| Noncurrent loans to loans | 0.2734% | 2,958 |
| Net loans and leases to total assets | 56.5425% | 2,837 |
| Net loans and leases to deposits | 68.0628% | 2,612 |
| Net loans and leases to core deposits | 70.2247% | 2,760 |
| Total domestic deposits to total assets | 83.0740% | 3,689 |
| Equity capital to assets | 9.9232% | 2,918 |
| Core capital (leverage) ratio | 9.8136% | 2,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $198,519,333 | 3,110 |
| Average earning assets | $189,585,333 | 3,070 |
| Average equity | $19,853,000 | 3,264 |
| Average total loans | $114,384,333 | 3,063 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8940% | 4,263 |
| Cost of funding earning assets | 0.4699% | 1,593 |
| Net interest margin | 2.4241% | 4,390 |
| Noninterest income to average assets | 0.1299% | 4,553 |
| Noninterest expense to average assets | 2.4882% | 2,208 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.0446% | 4,788 |
| Return on assets (ROA) | -0.0446% | 4,794 |
| Pretax return on assets | -0.0446% | 4,796 |
| Return on Equity (ROE) | -0.4447% | 4,796 |
| Retained earnings to average equity (ytd only) | -0.4447% | 4,403 |
| Net charge-offs to loans | 0.0632% | 903 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | -1.2222% | 1,902 |
| Efficiency ratio | 101.7442% | 175 |
| Assets per employee ($millions) | 3.8828% | 4,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0251% | 3,750 |
| Loan loss allowance to noncurrent loans | 184.6037% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 0.3313% | 2,482 |
| Noncurrent loans to loans | 0.5553% | 2,192 |
| Net loans and leases to total assets | 59.0457% | 2,667 |
| Net loans and leases to deposits | 71.4188% | 2,372 |
| Net loans and leases to core deposits | 73.7379% | 2,537 |
| Total domestic deposits to total assets | 82.6752% | 3,765 |
| Equity capital to assets | 10.0059% | 2,698 |
| Core capital (leverage) ratio | 9.9281% | 2,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7791% | 700 |
| Memoranda: | ||
| Average total assets | $197,091,000 | 3,112 |
| Average earning assets | $188,113,000 | 3,069 |
| Average equity | $19,788,000 | 3,258 |
| Average total loans | $113,977,000 | 3,078 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3728% | 4,232 |
| Cost of funding earning assets | 0.8406% | 1,054 |
| Net interest margin | 2.5322% | 4,558 |
| Noninterest income to average assets | 0.2581% | 3,934 |
| Noninterest expense to average assets | 2.5169% | 2,790 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.1042% | 4,667 |
| Return on assets (ROA) | 0.1158% | 4,693 |
| Pretax return on assets | 0.1637% | 4,670 |
| Return on Equity (ROE) | 1.1362% | 4,665 |
| Retained earnings to average equity (ytd only) | 1.1362% | 4,175 |
| Net charge-offs to loans | -0.0922% | 4,797 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3282% | 262 |
| Assets per employee ($millions) | 3.7011% | 4,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1191% | 3,374 |
| Loan loss allowance to noncurrent loans | 281.2357% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.2228% | 3,171 |
| Noncurrent loans to loans | 0.3979% | 2,781 |
| Net loans and leases to total assets | 55.3582% | 3,359 |
| Net loans and leases to deposits | 67.4254% | 3,140 |
| Net loans and leases to core deposits | 69.8157% | 3,265 |
| Total domestic deposits to total assets | 82.1028% | 3,640 |
| Equity capital to assets | 10.0745% | 3,060 |
| Core capital (leverage) ratio | 9.8680% | 2,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $191,787,200 | 3,014 |
| Average earning assets | $182,371,600 | 2,979 |
| Average equity | $19,538,000 | 3,227 |
| Average total loans | $118,195,800 | 3,003 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4497% | 4,290 |
| Cost of funding earning assets | 0.9176% | 1,008 |
| Net interest margin | 2.5321% | 4,632 |
| Noninterest income to average assets | 0.2377% | 4,071 |
| Noninterest expense to average assets | 2.4989% | 2,855 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.1447% | 4,656 |
| Return on assets (ROA) | 0.1643% | 4,676 |
| Pretax return on assets | 0.1643% | 4,686 |
| Return on Equity (ROE) | 1.6083% | 4,608 |
| Retained earnings to average equity (ytd only) | 1.6083% | 4,054 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4724% | 248 |
| Assets per employee ($millions) | 3.9928% | 4,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9378% | 3,940 |
| Loan loss allowance to noncurrent loans | 230.9278% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.2531% | 3,167 |
| Noncurrent loans to loans | 0.4061% | 2,839 |
| Net loans and leases to total assets | 61.7285% | 3,042 |
| Net loans and leases to deposits | 76.1385% | 2,738 |
| Net loans and leases to core deposits | 79.0881% | 2,917 |
| Total domestic deposits to total assets | 81.0740% | 3,643 |
| Equity capital to assets | 10.3088% | 2,951 |
| Core capital (leverage) ratio | 9.9234% | 2,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $190,694,250 | 3,006 |
| Average earning assets | $181,190,750 | 2,965 |
| Average equity | $19,482,000 | 3,237 |
| Average total loans | $120,290,000 | 2,996 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5811% | 4,292 |
| Cost of funding earning assets | 0.9923% | 1,009 |
| Net interest margin | 2.5887% | 4,664 |
| Noninterest income to average assets | 0.1660% | 4,463 |
| Noninterest expense to average assets | 2.5108% | 2,933 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.1145% | 4,668 |
| Return on assets (ROA) | 0.1439% | 4,669 |
| Pretax return on assets | 0.1429% | 4,689 |
| Return on Equity (ROE) | 1.4131% | 4,633 |
| Retained earnings to average equity (ytd only) | 1.4131% | 3,969 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6765% | 251 |
| Assets per employee ($millions) | 4.0012% | 4,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9939% | 3,605 |
| Loan loss allowance to noncurrent loans | 226.7206% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 0.2572% | 3,282 |
| Noncurrent loans to loans | 0.4384% | 2,844 |
| Net loans and leases to total assets | 58.0903% | 3,503 |
| Net loans and leases to deposits | 71.5098% | 3,302 |
| Net loans and leases to core deposits | 74.0495% | 3,456 |
| Total domestic deposits to total assets | 81.2341% | 3,553 |
| Equity capital to assets | 10.2199% | 2,989 |
| Core capital (leverage) ratio | 9.8206% | 3,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $190,375,000 | 2,982 |
| Average earning assets | $180,783,000 | 2,948 |
| Average equity | $19,390,333 | 3,233 |
| Average total loans | $120,578,667 | 2,976 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7585% | 4,284 |
| Cost of funding earning assets | 1.0570% | 1,194 |
| Net interest margin | 2.7015% | 4,669 |
| Noninterest income to average assets | 0.2279% | 4,186 |
| Noninterest expense to average assets | 2.5515% | 3,130 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.2200% | 4,494 |
| Return on assets (ROA) | 0.2744% | 4,424 |
| Pretax return on assets | 0.2976% | 4,459 |
| Return on Equity (ROE) | 2.6983% | 4,292 |
| Retained earnings to average equity (ytd only) | 2.6983% | 3,198 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4523% | 448 |
| Assets per employee ($millions) | 3.9632% | 3,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9091% | 4,075 |
| Loan loss allowance to noncurrent loans | 173.9130% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 0.3385% | 3,092 |
| Noncurrent loans to loans | 0.5228% | 2,697 |
| Net loans and leases to total assets | 64.1694% | 3,048 |
| Net loans and leases to deposits | 80.6379% | 2,613 |
| Net loans and leases to core deposits | 83.5852% | 2,885 |
| Total domestic deposits to total assets | 79.5773% | 3,933 |
| Equity capital to assets | 10.1391% | 3,664 |
| Core capital (leverage) ratio | 10.0650% | 3,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $189,534,500 | 2,962 |
| Average earning assets | $179,751,500 | 2,920 |
| Average equity | $19,271,500 | 3,245 |
| Average total loans | $124,525,000 | 2,908 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7859% | 4,581 |
| Cost of funding earning assets | 1.0450% | 1,532 |
| Net interest margin | 2.7409% | 4,803 |
| Noninterest income to average assets | 0.1220% | 4,853 |
| Noninterest expense to average assets | 2.6233% | 3,113 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.0748% | 4,939 |
| Return on assets (ROA) | 0.0753% | 4,956 |
| Pretax return on assets | 0.0972% | 4,944 |
| Return on Equity (ROE) | 0.7217% | 4,946 |
| Retained earnings to average equity (ytd only) | 0.7217% | 4,485 |
| Net charge-offs to loans | -0.0340% | 4,736 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4250% | 204 |
| Assets per employee ($millions) | 3.7767% | 4,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8899% | 4,005 |
| Loan loss allowance to noncurrent loans | 181.5235% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 0.4438% | 2,626 |
| Noncurrent loans to loans | 0.4902% | 2,714 |
| Net loans and leases to total assets | 66.0566% | 2,942 |
| Net loans and leases to deposits | 83.1781% | 2,421 |
| Net loans and leases to core deposits | 86.0286% | 2,790 |
| Total domestic deposits to total assets | 79.4159% | 4,097 |
| Equity capital to assets | 10.1967% | 3,734 |
| Core capital (leverage) ratio | 10.0788% | 3,431 |
| Tier 1 risk-based capital ratio | 19.6118% | 1,389 |
| Total risk-based capital ratio | 20.7747% | 1,371 |
| Memoranda: | ||
| Average total assets | $182,023,600 | 2,998 |
| Average earning assets | $172,535,200 | 2,956 |
| Average equity | $18,984,200 | 3,226 |
| Average total loans | $117,764,000 | 2,967 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7658% | 4,711 |
| Cost of funding earning assets | 1.0212% | 1,675 |
| Net interest margin | 2.7446% | 4,901 |
| Noninterest income to average assets | 0.1464% | 4,815 |
| Noninterest expense to average assets | 2.6582% | 2,988 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.0895% | 5,026 |
| Return on assets (ROA) | 0.0902% | 5,039 |
| Pretax return on assets | 0.0902% | 5,044 |
| Return on Equity (ROE) | 0.8599% | 5,028 |
| Retained earnings to average equity (ytd only) | 0.8599% | 4,600 |
| Net charge-offs to loans | -0.0461% | 4,817 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7169% | 189 |
| Assets per employee ($millions) | 3.8341% | 4,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8783% | 4,129 |
| Loan loss allowance to noncurrent loans | 180.9370% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 0.4711% | 2,646 |
| Noncurrent loans to loans | 0.4854% | 2,843 |
| Net loans and leases to total assets | 67.2783% | 2,888 |
| Net loans and leases to deposits | 85.5020% | 2,259 |
| Net loans and leases to core deposits | 87.8677% | 2,749 |
| Total domestic deposits to total assets | 78.6862% | 4,231 |
| Equity capital to assets | 10.2055% | 3,818 |
| Core capital (leverage) ratio | 10.6989% | 2,933 |
| Tier 1 risk-based capital ratio | 19.3036% | 1,506 |
| Total risk-based capital ratio | 20.4317% | 1,493 |
| Memoranda: | ||
| Average total assets | $180,320,750 | 3,040 |
| Average earning assets | $170,903,500 | 2,999 |
| Average equity | $18,916,500 | 3,257 |
| Average total loans | $115,740,500 | 3,025 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7883% | 4,722 |
| Cost of funding earning assets | 0.9800% | 1,793 |
| Net interest margin | 2.8083% | 4,922 |
| Noninterest income to average assets | 0.1485% | 4,833 |
| Noninterest expense to average assets | 2.7063% | 2,881 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.1046% | 5,055 |
| Return on assets (ROA) | 0.1046% | 5,065 |
| Pretax return on assets | 0.1046% | 5,070 |
| Return on Equity (ROE) | 0.9877% | 5,050 |
| Retained earnings to average equity (ytd only) | 0.9877% | 4,437 |
| Net charge-offs to loans | -0.0715% | 4,932 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2785% | 200 |
| Assets per employee ($millions) | 3.6221% | 4,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9941% | 3,663 |
| Loan loss allowance to noncurrent loans | 175.5486% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.5093% | 2,506 |
| Noncurrent loans to loans | 0.5663% | 2,563 |
| Net loans and leases to total assets | 62.8498% | 3,470 |
| Net loans and leases to deposits | 74.3662% | 3,493 |
| Net loans and leases to core deposits | 76.5478% | 3,678 |
| Total domestic deposits to total assets | 84.5139% | 2,677 |
| Equity capital to assets | 10.7645% | 3,296 |
| Core capital (leverage) ratio | 10.7719% | 2,814 |
| Tier 1 risk-based capital ratio | 22.8151% | 961 |
| Total risk-based capital ratio | 24.0658% | 937 |
| Memoranda: | ||
| Average total assets | $177,804,670 | 3,083 |
| Average earning assets | $168,573,330 | 3,042 |
| Average equity | $18,831,000 | 3,266 |
| Average total loans | $111,815,670 | 3,103 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8914% | 4,566 |
| Cost of funding earning assets | 0.9420% | 1,825 |
| Net interest margin | 2.9494% | 4,822 |
| Noninterest income to average assets | 0.1573% | 4,796 |
| Noninterest expense to average assets | 2.8095% | 2,536 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.1416% | 5,059 |
| Return on assets (ROA) | 0.1416% | 5,064 |
| Pretax return on assets | 0.1416% | 5,074 |
| Return on Equity (ROE) | 1.3480% | 5,045 |
| Retained earnings to average equity (ytd only) | 1.3480% | 4,242 |
| Net charge-offs to loans | -0.1436% | 5,112 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2018% | 245 |
| Assets per employee ($millions) | 3.7202% | 4,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0070% | 3,646 |
| Loan loss allowance to noncurrent loans | 195.4625% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.5567% | 2,420 |
| Noncurrent loans to loans | 0.5152% | 2,768 |
| Net loans and leases to total assets | 61.6549% | 3,535 |
| Net loans and leases to deposits | 73.2957% | 3,508 |
| Net loans and leases to core deposits | 75.1755% | 3,719 |
| Total domestic deposits to total assets | 84.1181% | 3,004 |
| Equity capital to assets | 10.5422% | 3,309 |
| Core capital (leverage) ratio | 10.7212% | 2,831 |
| Tier 1 risk-based capital ratio | 23.3764% | 898 |
| Total risk-based capital ratio | 24.6269% | 878 |
| Memoranda: | ||
| Average total assets | $177,966,000 | 3,107 |
| Average earning assets | $168,579,000 | 3,069 |
| Average equity | $18,694,000 | 3,292 |
| Average total loans | $111,390,000 | 3,147 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5692% | 4,835 |
| Cost of funding earning assets | 0.7492% | 1,796 |
| Net interest margin | 2.8200% | 5,003 |
| Noninterest income to average assets | 0.1320% | 5,034 |
| Noninterest expense to average assets | 2.5746% | 3,405 |
| Loan and lease loss provision to assets | -0.1119% | 5,280 |
| Net operating income to assets | 0.8302% | 3,694 |
| Return on assets (ROA) | 0.8269% | 3,701 |
| Pretax return on assets | 0.3508% | 5,000 |
| Return on Equity (ROE) | 8.3986% | 3,271 |
| Retained earnings to average equity (ytd only) | 8.3986% | 1,082 |
| Net charge-offs to loans | 0.0478% | 2,477 |
| Credit loss provision to net charge-offs | -377.3585% | 4,587 |
| Earnings coverage of net charge-offs (x) | 8.1698% | 2,919 |
| Efficiency ratio | 91.4002% | 295 |
| Assets per employee ($millions) | 3.4777% | 4,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9681% | 3,871 |
| Loan loss allowance to noncurrent loans | 126.4637% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 0.5841% | 2,286 |
| Noncurrent loans to loans | 0.7655% | 2,088 |
| Net loans and leases to total assets | 62.2922% | 3,536 |
| Net loans and leases to deposits | 74.0643% | 3,495 |
| Net loans and leases to core deposits | 75.7882% | 3,733 |
| Total domestic deposits to total assets | 84.1056% | 2,968 |
| Equity capital to assets | 10.4660% | 3,226 |
| Core capital (leverage) ratio | 10.7277% | 2,812 |
| Tier 1 risk-based capital ratio | 23.0816% | 914 |
| Total risk-based capital ratio | 24.3313% | 882 |
| Memoranda: | ||
| Average total assets | $178,742,800 | 3,069 |
| Average earning assets | $170,176,600 | 3,023 |
| Average equity | $17,598,200 | 3,333 |
| Average total loans | $110,891,600 | 3,114 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5403% | 4,893 |
| Cost of funding earning assets | 0.7076% | 1,807 |
| Net interest margin | 2.8327% | 5,052 |
| Noninterest income to average assets | 0.1050% | 5,194 |
| Noninterest expense to average assets | 2.5305% | 3,499 |
| Loan and lease loss provision to assets | -0.1489% | 5,380 |
| Net operating income to assets | 0.4236% | 4,909 |
| Return on assets (ROA) | 0.4192% | 4,923 |
| Pretax return on assets | 0.4192% | 5,016 |
| Return on Equity (ROE) | 4.3248% | 4,740 |
| Retained earnings to average equity (ytd only) | 4.3248% | 3,596 |
| Net charge-offs to loans | 0.0674% | 1,873 |
| Credit loss provision to net charge-offs | -357.1429% | 4,423 |
| Earnings coverage of net charge-offs (x) | 6.5897% | 2,872 |
| Efficiency ratio | 90.2070% | 320 |
| Assets per employee ($millions) | 3.4734% | 4,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9735% | 3,927 |
| Loan loss allowance to noncurrent loans | 101.4138% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 0.6774% | 2,169 |
| Noncurrent loans to loans | 0.9599% | 1,773 |
| Net loans and leases to total assets | 61.7904% | 3,677 |
| Net loans and leases to deposits | 73.5714% | 3,634 |
| Net loans and leases to core deposits | 75.8004% | 3,819 |
| Total domestic deposits to total assets | 83.9870% | 2,947 |
| Equity capital to assets | 9.9032% | 3,731 |
| Core capital (leverage) ratio | 10.2023% | 3,407 |
| Tier 1 risk-based capital ratio | 20.4404% | 1,261 |
| Total risk-based capital ratio | 21.6536% | 1,238 |
| Memoranda: | ||
| Average total assets | $179,087,500 | 3,083 |
| Average earning assets | $170,713,500 | 3,044 |
| Average equity | $17,357,000 | 3,385 |
| Average total loans | $110,723,500 | 3,148 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5068% | 4,912 |
| Cost of funding earning assets | 0.6734% | 1,783 |
| Net interest margin | 2.8335% | 5,085 |
| Noninterest income to average assets | 0.1346% | 5,137 |
| Noninterest expense to average assets | 2.5059% | 3,618 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.3305% | 5,079 |
| Return on assets (ROA) | 0.3283% | 5,077 |
| Pretax return on assets | 0.3283% | 5,134 |
| Return on Equity (ROE) | 3.4114% | 4,943 |
| Retained earnings to average equity (ytd only) | 3.4114% | 3,870 |
| Net charge-offs to loans | 0.0325% | 2,199 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 16.5000% | 1,994 |
| Efficiency ratio | 88.3484% | 446 |
| Assets per employee ($millions) | 3.6224% | 4,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1832% | 2,820 |
| Loan loss allowance to noncurrent loans | 112.3932% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 0.7527% | 1,978 |
| Noncurrent loans to loans | 1.0527% | 1,667 |
| Net loans and leases to total assets | 61.8749% | 3,616 |
| Net loans and leases to deposits | 74.0460% | 3,527 |
| Net loans and leases to core deposits | 76.4531% | 3,712 |
| Total domestic deposits to total assets | 83.5628% | 3,232 |
| Equity capital to assets | 9.7510% | 3,871 |
| Core capital (leverage) ratio | 10.0313% | 3,544 |
| Tier 1 risk-based capital ratio | 20.3191% | 1,268 |
| Total risk-based capital ratio | 21.5715% | 1,244 |
| Memoranda: | ||
| Average total assets | $179,735,330 | 3,099 |
| Average earning assets | $171,380,670 | 3,050 |
| Average equity | $17,295,000 | 3,409 |
| Average total loans | $110,786,670 | 3,164 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4904% | 4,893 |
| Cost of funding earning assets | 0.6521% | 1,708 |
| Net interest margin | 2.8382% | 5,116 |
| Noninterest income to average assets | 0.1040% | 5,314 |
| Noninterest expense to average assets | 2.4971% | 3,656 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3119% | 5,074 |
| Return on assets (ROA) | 0.3119% | 5,081 |
| Pretax return on assets | 0.3119% | 5,156 |
| Return on Equity (ROE) | 3.2623% | 4,962 |
| Retained earnings to average equity (ytd only) | 3.2623% | 3,902 |
| Net charge-offs to loans | 0.0579% | 1,525 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 8.8125% | 2,007 |
| Efficiency ratio | 88.8976% | 491 |
| Assets per employee ($millions) | 3.8480% | 4,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1898% | 2,869 |
| Loan loss allowance to noncurrent loans | 95.7818% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 0.8520% | 1,854 |
| Noncurrent loans to loans | 1.2422% | 1,466 |
| Net loans and leases to total assets | 60.4767% | 3,704 |
| Net loans and leases to deposits | 72.8325% | 3,527 |
| Net loans and leases to core deposits | 74.8804% | 3,750 |
| Total domestic deposits to total assets | 83.0353% | 3,654 |
| Equity capital to assets | 9.5191% | 4,072 |
| Core capital (leverage) ratio | 9.9544% | 3,584 |
| Tier 1 risk-based capital ratio | 19.1514% | 1,520 |
| Total risk-based capital ratio | 20.4037% | 1,474 |
| Memoranda: | ||
| Average total assets | $180,853,000 | 3,121 |
| Average earning assets | $172,360,000 | 3,067 |
| Average equity | $17,288,500 | 3,439 |
| Average total loans | $110,608,500 | 3,179 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4076% | 4,927 |
| Cost of funding earning assets | 0.5539% | 1,920 |
| Net interest margin | 2.8537% | 5,102 |
| Noninterest income to average assets | 0.1478% | 5,211 |
| Noninterest expense to average assets | 2.5137% | 3,737 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3508% | 4,827 |
| Return on assets (ROA) | 0.3508% | 4,852 |
| Pretax return on assets | 0.3508% | 5,155 |
| Return on Equity (ROE) | 3.6391% | 4,635 |
| Retained earnings to average equity (ytd only) | 3.6391% | 3,077 |
| Net charge-offs to loans | 0.1151% | 1,899 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 5.2712% | 3,355 |
| Efficiency ratio | 87.6944% | 550 |
| Assets per employee ($millions) | 3.7677% | 4,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2061% | 2,737 |
| Loan loss allowance to noncurrent loans | 97.8708% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 0.8095% | 1,925 |
| Noncurrent loans to loans | 1.2323% | 1,435 |
| Net loans and leases to total assets | 60.3767% | 3,793 |
| Net loans and leases to deposits | 73.0251% | 3,595 |
| Net loans and leases to core deposits | 75.0813% | 3,808 |
| Total domestic deposits to total assets | 82.6794% | 3,665 |
| Equity capital to assets | 9.5998% | 4,143 |
| Core capital (leverage) ratio | 10.0255% | 3,421 |
| Tier 1 risk-based capital ratio | 18.2599% | 1,724 |
| Total risk-based capital ratio | 19.5113% | 1,674 |
| Memoranda: | ||
| Average total assets | $177,306,400 | 3,154 |
| Average earning assets | $168,797,600 | 3,094 |
| Average equity | $17,092,000 | 3,478 |
| Average total loans | $102,485,000 | 3,308 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4358% | 4,916 |
| Cost of funding earning assets | 0.5432% | 1,941 |
| Net interest margin | 2.8925% | 5,095 |
| Noninterest income to average assets | 0.1224% | 5,388 |
| Noninterest expense to average assets | 2.5537% | 3,555 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3212% | 5,180 |
| Return on assets (ROA) | 0.3212% | 5,207 |
| Pretax return on assets | 0.3212% | 5,293 |
| Return on Equity (ROE) | 3.3284% | 5,032 |
| Retained earnings to average equity (ytd only) | 3.3284% | 3,948 |
| Net charge-offs to loans | 0.1699% | 1,229 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 3.3203% | 3,357 |
| Efficiency ratio | 88.7487% | 462 |
| Assets per employee ($millions) | 3.5782% | 4,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3762% | 1,995 |
| Loan loss allowance to noncurrent loans | 104.4199% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 0.7377% | 2,289 |
| Noncurrent loans to loans | 1.3180% | 1,452 |
| Net loans and leases to total assets | 55.2007% | 4,305 |
| Net loans and leases to deposits | 63.6471% | 4,404 |
| Net loans and leases to core deposits | 65.3425% | 4,527 |
| Total domestic deposits to total assets | 86.7294% | 1,982 |
| Equity capital to assets | 10.1068% | 3,793 |
| Core capital (leverage) ratio | 9.9031% | 3,691 |
| Tier 1 risk-based capital ratio | 20.8860% | 1,216 |
| Total risk-based capital ratio | 22.1401% | 1,182 |
| Memoranda: | ||
| Average total assets | $176,421,000 | 3,194 |
| Average earning assets | $167,876,250 | 3,130 |
| Average equity | $17,024,750 | 3,519 |
| Average total loans | $100,475,500 | 3,375 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4572% | 4,857 |
| Cost of funding earning assets | 0.5351% | 1,877 |
| Net interest margin | 2.9221% | 5,056 |
| Noninterest income to average assets | 0.0865% | 5,558 |
| Noninterest expense to average assets | 2.6015% | 3,429 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2652% | 5,298 |
| Return on assets (ROA) | 0.2652% | 5,318 |
| Pretax return on assets | 0.2652% | 5,374 |
| Return on Equity (ROE) | 2.7907% | 5,169 |
| Retained earnings to average equity (ytd only) | 2.7907% | 4,038 |
| Net charge-offs to loans | 0.2629% | 781 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 1.7612% | 3,249 |
| Efficiency ratio | 90.7487% | 418 |
| Assets per employee ($millions) | 3.6457% | 4,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3215% | 2,306 |
| Loan loss allowance to noncurrent loans | 81.8012% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 1.0880% | 1,609 |
| Noncurrent loans to loans | 1.6155% | 1,142 |
| Net loans and leases to total assets | 56.1977% | 4,209 |
| Net loans and leases to deposits | 65.1310% | 4,292 |
| Net loans and leases to core deposits | 66.6572% | 4,432 |
| Total domestic deposits to total assets | 86.2840% | 2,249 |
| Equity capital to assets | 9.8164% | 4,113 |
| Core capital (leverage) ratio | 9.7549% | 3,826 |
| Tier 1 risk-based capital ratio | 18.7667% | 1,644 |
| Total risk-based capital ratio | 20.0194% | 1,606 |
| Memoranda: | ||
| Average total assets | $177,976,330 | 3,181 |
| Average earning assets | $169,329,330 | 3,120 |
| Average equity | $16,913,330 | 3,543 |
| Average total loans | $101,923,000 | 3,363 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4163% | 4,893 |
| Cost of funding earning assets | 0.5299% | 1,863 |
| Net interest margin | 2.8864% | 5,113 |
| Noninterest income to average assets | 0.0357% | 5,751 |
| Noninterest expense to average assets | 2.6144% | 3,442 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1649% | 5,441 |
| Return on assets (ROA) | 0.1649% | 5,453 |
| Pretax return on assets | 0.1649% | 5,469 |
| Return on Equity (ROE) | 1.7639% | 5,372 |
| Retained earnings to average equity (ytd only) | 1.7639% | 4,408 |
| Net charge-offs to loans | 0.2601% | 699 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1.1045% | 2,762 |
| Efficiency ratio | 94.0658% | 384 |
| Assets per employee ($millions) | 3.6931% | 4,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3521% | 2,297 |
| Loan loss allowance to noncurrent loans | 88.1529% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 1.1423% | 1,546 |
| Noncurrent loans to loans | 1.5339% | 1,285 |
| Net loans and leases to total assets | 56.9604% | 4,071 |
| Net loans and leases to deposits | 67.0095% | 4,088 |
| Net loans and leases to core deposits | 68.5793% | 4,247 |
| Total domestic deposits to total assets | 85.0034% | 3,089 |
| Equity capital to assets | 9.5263% | 4,264 |
| Core capital (leverage) ratio | 9.6669% | 3,905 |
| Tier 1 risk-based capital ratio | 18.0361% | 1,865 |
| Total risk-based capital ratio | 19.2886% | 1,822 |
| Memoranda: | ||
| Average total assets | $179,468,000 | 3,192 |
| Average earning assets | $170,592,500 | 3,127 |
| Average equity | $16,781,000 | 3,572 |
| Average total loans | $103,055,000 | 3,362 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3053% | 5,150 |
| Cost of funding earning assets | 0.5173% | 1,957 |
| Net interest margin | 2.7880% | 5,311 |
| Noninterest income to average assets | 0.1931% | 5,250 |
| Noninterest expense to average assets | 2.7454% | 3,206 |
| Loan and lease loss provision to assets | -0.2333% | 5,802 |
| Net operating income to assets | 0.3150% | 5,183 |
| Return on assets (ROA) | 0.3103% | 5,262 |
| Pretax return on assets | 0.3103% | 5,350 |
| Return on Equity (ROE) | 3.1893% | 5,103 |
| Retained earnings to average equity (ytd only) | 3.1893% | 3,643 |
| Net charge-offs to loans | -0.1190% | 5,636 |
| Credit loss provision to net charge-offs | 384.6154% | 819 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1116% | 280 |
| Assets per employee ($millions) | 3.7848% | 4,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3985% | 2,087 |
| Loan loss allowance to noncurrent loans | 79.6378% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 1.2649% | 1,409 |
| Noncurrent loans to loans | 1.7561% | 1,089 |
| Net loans and leases to total assets | 56.3129% | 4,238 |
| Net loans and leases to deposits | 67.3112% | 4,145 |
| Net loans and leases to core deposits | 68.8700% | 4,334 |
| Total domestic deposits to total assets | 83.6604% | 3,552 |
| Equity capital to assets | 9.1788% | 4,603 |
| Core capital (leverage) ratio | 9.6999% | 3,858 |
| Tier 1 risk-based capital ratio | 17.0303% | 2,149 |
| Total risk-based capital ratio | 18.2824% | 2,102 |
| Memoranda: | ||
| Average total assets | $171,449,000 | 3,268 |
| Average earning assets | $161,981,600 | 3,207 |
| Average equity | $16,680,800 | 3,592 |
| Average total loans | $87,373,800 | 3,632 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3298% | 5,169 |
| Cost of funding earning assets | 0.5155% | 1,974 |
| Net interest margin | 2.8143% | 5,336 |
| Noninterest income to average assets | 0.2352% | 5,066 |
| Noninterest expense to average assets | 2.8459% | 2,842 |
| Loan and lease loss provision to assets | -0.1579% | 5,846 |
| Net operating income to assets | 0.2021% | 5,458 |
| Return on assets (ROA) | 0.1958% | 5,532 |
| Pretax return on assets | 0.1958% | 5,573 |
| Return on Equity (ROE) | 1.9821% | 5,476 |
| Retained earnings to average equity (ytd only) | 1.9821% | 4,694 |
| Net charge-offs to loans | -0.1585% | 5,705 |
| Credit loss provision to net charge-offs | 202.0202% | 1,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4704% | 248 |
| Assets per employee ($millions) | 3.7753% | 4,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7516% | 1,099 |
| Loan loss allowance to noncurrent loans | 70.2645% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 1.4206% | 1,299 |
| Noncurrent loans to loans | 2.4929% | 708 |
| Net loans and leases to total assets | 53.1947% | 4,565 |
| Net loans and leases to deposits | 61.7540% | 4,641 |
| Net loans and leases to core deposits | 63.2157% | 4,763 |
| Total domestic deposits to total assets | 86.1397% | 2,286 |
| Equity capital to assets | 9.7396% | 4,425 |
| Core capital (leverage) ratio | 9.6116% | 4,041 |
| Tier 1 risk-based capital ratio | 18.2752% | 1,843 |
| Total risk-based capital ratio | 19.5319% | 1,813 |
| Memoranda: | ||
| Average total assets | $168,894,000 | 3,314 |
| Average earning assets | $159,326,500 | 3,267 |
| Average equity | $16,682,250 | 3,627 |
| Average total loans | $83,278,750 | 3,750 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3095% | 5,275 |
| Cost of funding earning assets | 0.5082% | 2,040 |
| Net interest margin | 2.8013% | 5,423 |
| Noninterest income to average assets | 0.2570% | 4,939 |
| Noninterest expense to average assets | 2.9013% | 2,669 |
| Loan and lease loss provision to assets | -0.2391% | 5,952 |
| Net operating income to assets | 0.2307% | 5,469 |
| Return on assets (ROA) | 0.2235% | 5,544 |
| Pretax return on assets | 0.2235% | 5,590 |
| Return on Equity (ROE) | 2.2523% | 5,452 |
| Retained earnings to average equity (ytd only) | 2.2523% | 4,443 |
| Net charge-offs to loans | -0.0652% | 5,467 |
| Credit loss provision to net charge-offs | 769.2308% | 467 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.2893% | 237 |
| Assets per employee ($millions) | 3.7423% | 4,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8908% | 910 |
| Loan loss allowance to noncurrent loans | 54.9040% | 4,695 |
| Noncurrent assets plus other real estate owned to assets | 1.9928% | 826 |
| Noncurrent loans to loans | 3.4438% | 386 |
| Net loans and leases to total assets | 48.4671% | 4,952 |
| Net loans and leases to deposits | 54.1124% | 5,131 |
| Net loans and leases to core deposits | 55.4739% | 5,202 |
| Total domestic deposits to total assets | 89.5674% | 649 |
| Equity capital to assets | 10.0347% | 4,183 |
| Core capital (leverage) ratio | 9.9010% | 3,682 |
| Tier 1 risk-based capital ratio | 20.4283% | 1,362 |
| Total risk-based capital ratio | 21.6870% | 1,337 |
| Memoranda: | ||
| Average total assets | $167,304,670 | 3,352 |
| Average earning assets | $157,424,330 | 3,307 |
| Average equity | $16,605,000 | 3,643 |
| Average total loans | $79,696,330 | 3,848 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3292% | 5,265 |
| Cost of funding earning assets | 0.5067% | 2,054 |
| Net interest margin | 2.8225% | 5,439 |
| Noninterest income to average assets | 0.2998% | 4,585 |
| Noninterest expense to average assets | 2.9792% | 2,458 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.0336% | 5,806 |
| Return on assets (ROA) | -0.0336% | 5,831 |
| Pretax return on assets | -0.0336% | 5,833 |
| Return on Equity (ROE) | -0.3403% | 5,834 |
| Retained earnings to average equity (ytd only) | -0.3403% | 5,172 |
| Net charge-offs to loans | -0.0051% | 4,299 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.1401% | 266 |
| Assets per employee ($millions) | 3.6127% | 4,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0714% | 727 |
| Loan loss allowance to noncurrent loans | 63.5868% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 2.1103% | 805 |
| Noncurrent loans to loans | 3.2575% | 456 |
| Net loans and leases to total assets | 49.7283% | 4,832 |
| Net loans and leases to deposits | 55.4158% | 5,019 |
| Net loans and leases to core deposits | 56.8225% | 5,096 |
| Total domestic deposits to total assets | 89.7367% | 713 |
| Equity capital to assets | 9.9473% | 4,146 |
| Core capital (leverage) ratio | 9.7690% | 3,819 |
| Tier 1 risk-based capital ratio | 19.4337% | 1,626 |
| Total risk-based capital ratio | 20.6943% | 1,593 |
| Memoranda: | ||
| Average total assets | $166,754,500 | 3,371 |
| Average earning assets | $156,314,500 | 3,335 |
| Average equity | $16,458,000 | 3,668 |
| Average total loans | $77,947,500 | 3,917 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3009% | 5,350 |
| Cost of funding earning assets | 0.5537% | 1,729 |
| Net interest margin | 2.7471% | 5,597 |
| Noninterest income to average assets | 0.3146% | 4,643 |
| Noninterest expense to average assets | 2.9602% | 2,671 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.0688% | 5,911 |
| Return on assets (ROA) | -0.0481% | 5,920 |
| Pretax return on assets | -0.0522% | 5,913 |
| Return on Equity (ROE) | -0.4898% | 5,917 |
| Retained earnings to average equity (ytd only) | -0.4898% | 5,590 |
| Net charge-offs to loans | -0.1001% | 5,774 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.5921% | 240 |
| Assets per employee ($millions) | 3.7183% | 4,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4432% | 431 |
| Loan loss allowance to noncurrent loans | 73.3110% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 2.2681% | 736 |
| Noncurrent loans to loans | 3.3326% | 441 |
| Net loans and leases to total assets | 41.6910% | 5,426 |
| Net loans and leases to deposits | 46.4011% | 5,546 |
| Net loans and leases to core deposits | 47.4806% | 5,587 |
| Total domestic deposits to total assets | 89.8490% | 697 |
| Equity capital to assets | 9.7924% | 4,200 |
| Core capital (leverage) ratio | 9.8090% | 3,755 |
| Tier 1 risk-based capital ratio | 22.9014% | 1,027 |
| Total risk-based capital ratio | 24.1655% | 1,007 |
| Memoranda: | ||
| Average total assets | $168,468,000 | 3,326 |
| Average earning assets | $157,656,000 | 3,286 |
| Average equity | $16,536,600 | 3,595 |
| Average total loans | $75,930,800 | 3,945 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3312% | 5,357 |
| Cost of funding earning assets | 0.5614% | 1,702 |
| Net interest margin | 2.7699% | 5,634 |
| Noninterest income to average assets | 0.3421% | 4,496 |
| Noninterest expense to average assets | 2.9612% | 2,629 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.0131% | 5,950 |
| Return on assets (ROA) | 0.0016% | 5,968 |
| Pretax return on assets | -0.0039% | 5,969 |
| Return on Equity (ROE) | 0.0161% | 5,968 |
| Retained earnings to average equity (ytd only) | 0.0161% | 5,588 |
| Net charge-offs to loans | -0.0969% | 5,772 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.9155% | 281 |
| Assets per employee ($millions) | 3.5511% | 4,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3493% | 541 |
| Loan loss allowance to noncurrent loans | 60.6039% | 4,669 |
| Noncurrent assets plus other real estate owned to assets | 2.5321% | 679 |
| Noncurrent loans to loans | 3.8765% | 352 |
| Net loans and leases to total assets | 42.9850% | 5,423 |
| Net loans and leases to deposits | 47.8673% | 5,577 |
| Net loans and leases to core deposits | 48.8270% | 5,617 |
| Total domestic deposits to total assets | 89.8005% | 651 |
| Equity capital to assets | 9.9125% | 4,271 |
| Core capital (leverage) ratio | 9.8757% | 3,804 |
| Tier 1 risk-based capital ratio | 22.8024% | 1,083 |
| Total risk-based capital ratio | 24.0670% | 1,062 |
| Memoranda: | ||
| Average total assets | $168,754,000 | 3,352 |
| Average earning assets | $157,934,750 | 3,313 |
| Average equity | $16,574,500 | 3,613 |
| Average total loans | $77,037,000 | 3,946 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3524% | 5,331 |
| Cost of funding earning assets | 0.5600% | 1,736 |
| Net interest margin | 2.7924% | 5,627 |
| Noninterest income to average assets | 0.2952% | 4,847 |
| Noninterest expense to average assets | 2.9722% | 2,644 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.0744% | 6,039 |
| Return on assets (ROA) | -0.0401% | 6,049 |
| Pretax return on assets | -0.0283% | 6,037 |
| Return on Equity (ROE) | -0.4100% | 6,053 |
| Retained earnings to average equity (ytd only) | -0.4100% | 5,589 |
| Net charge-offs to loans | -0.0972% | 5,774 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.1510% | 282 |
| Assets per employee ($millions) | 3.6978% | 4,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2552% | 678 |
| Loan loss allowance to noncurrent loans | 56.3840% | 4,831 |
| Noncurrent assets plus other real estate owned to assets | 2.6961% | 665 |
| Noncurrent loans to loans | 3.9998% | 387 |
| Net loans and leases to total assets | 43.5457% | 5,400 |
| Net loans and leases to deposits | 48.3906% | 5,576 |
| Net loans and leases to core deposits | 49.4278% | 5,633 |
| Total domestic deposits to total assets | 89.9881% | 668 |
| Equity capital to assets | 9.6627% | 4,453 |
| Core capital (leverage) ratio | 9.7707% | 3,913 |
| Tier 1 risk-based capital ratio | 22.1149% | 1,189 |
| Total risk-based capital ratio | 23.3776% | 1,169 |
| Memoranda: | ||
| Average total assets | $169,372,000 | 3,361 |
| Average earning assets | $158,571,330 | 3,317 |
| Average equity | $16,584,670 | 3,625 |
| Average total loans | $78,226,670 | 3,939 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3904% | 5,222 |
| Cost of funding earning assets | 0.5613% | 1,739 |
| Net interest margin | 2.8291% | 5,589 |
| Noninterest income to average assets | 0.2414% | 5,243 |
| Noninterest expense to average assets | 2.9134% | 2,860 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0355% | 6,049 |
| Return on assets (ROA) | -0.0355% | 6,083 |
| Pretax return on assets | -0.0237% | 6,066 |
| Return on Equity (ROE) | -0.3602% | 6,087 |
| Retained earnings to average equity (ytd only) | -0.3602% | 5,446 |
| Net charge-offs to loans | -0.1359% | 5,951 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.8190% | 349 |
| Assets per employee ($millions) | 3.7410% | 4,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1647% | 840 |
| Loan loss allowance to noncurrent loans | 44.7077% | 5,165 |
| Noncurrent assets plus other real estate owned to assets | 3.0907% | 595 |
| Noncurrent loans to loans | 4.8419% | 290 |
| Net loans and leases to total assets | 45.5867% | 5,229 |
| Net loans and leases to deposits | 50.7906% | 5,406 |
| Net loans and leases to core deposits | 51.8027% | 5,504 |
| Total domestic deposits to total assets | 89.7543% | 872 |
| Equity capital to assets | 9.9000% | 4,272 |
| Core capital (leverage) ratio | 9.7780% | 3,917 |
| Tier 1 risk-based capital ratio | 21.6898% | 1,288 |
| Total risk-based capital ratio | 22.9513% | 1,262 |
| Memoranda: | ||
| Average total assets | $169,009,500 | 3,383 |
| Average earning assets | $158,213,500 | 3,349 |
| Average equity | $16,659,000 | 3,635 |
| Average total loans | $79,450,500 | 3,913 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5205% | 5,272 |
| Cost of funding earning assets | 0.5636% | 2,109 |
| Net interest margin | 2.9570% | 5,537 |
| Noninterest income to average assets | 0.4580% | 3,788 |
| Noninterest expense to average assets | 2.8627% | 3,257 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3343% | 5,433 |
| Return on assets (ROA) | 0.3569% | 5,432 |
| Pretax return on assets | 0.3704% | 5,558 |
| Return on Equity (ROE) | 3.7366% | 5,219 |
| Retained earnings to average equity (ytd only) | 3.7366% | 3,558 |
| Net charge-offs to loans | 0.6444% | 601 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 1.0708% | 4,499 |
| Efficiency ratio | 89.1922% | 897 |
| Assets per employee ($millions) | 3.8563% | 4,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0768% | 984 |
| Loan loss allowance to noncurrent loans | 56.7595% | 4,896 |
| Noncurrent assets plus other real estate owned to assets | 2.5437% | 896 |
| Noncurrent loans to loans | 3.6589% | 541 |
| Net loans and leases to total assets | 46.4356% | 5,293 |
| Net loans and leases to deposits | 51.6951% | 5,499 |
| Net loans and leases to core deposits | 52.8058% | 5,580 |
| Total domestic deposits to total assets | 89.8259% | 812 |
| Equity capital to assets | 9.8140% | 4,332 |
| Core capital (leverage) ratio | 9.7374% | 3,920 |
| Tier 1 risk-based capital ratio | 21.5298% | 1,306 |
| Total risk-based capital ratio | 22.7910% | 1,277 |
| Memoranda: | ||
| Average total assets | $170,084,000 | 3,342 |
| Average earning assets | $158,270,800 | 3,307 |
| Average equity | $16,244,800 | 3,637 |
| Average total loans | $85,506,600 | 3,727 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5635% | 5,231 |
| Cost of funding earning assets | 0.5641% | 2,159 |
| Net interest margin | 2.9994% | 5,507 |
| Noninterest income to average assets | 0.4638% | 3,780 |
| Noninterest expense to average assets | 2.9160% | 3,067 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3229% | 5,519 |
| Return on assets (ROA) | 0.3533% | 5,489 |
| Pretax return on assets | 0.3659% | 5,650 |
| Return on Equity (ROE) | 3.7250% | 5,272 |
| Retained earnings to average equity (ytd only) | 3.7250% | 3,991 |
| Net charge-offs to loans | 0.2459% | 1,565 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 2.6687% | 3,854 |
| Efficiency ratio | 89.7084% | 863 |
| Assets per employee ($millions) | 3.7182% | 4,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4819% | 662 |
| Loan loss allowance to noncurrent loans | 61.9591% | 4,717 |
| Noncurrent assets plus other real estate owned to assets | 3.0451% | 768 |
| Noncurrent loans to loans | 4.0056% | 529 |
| Net loans and leases to total assets | 48.4228% | 5,160 |
| Net loans and leases to deposits | 53.8818% | 5,400 |
| Net loans and leases to core deposits | 55.0616% | 5,501 |
| Total domestic deposits to total assets | 89.8685% | 797 |
| Equity capital to assets | 9.7765% | 4,449 |
| Core capital (leverage) ratio | 9.7754% | 3,959 |
| Tier 1 risk-based capital ratio | 21.0605% | 1,440 |
| Total risk-based capital ratio | 22.2000% | 1,440 |
| Memoranda: | ||
| Average total assets | $170,186,000 | 3,362 |
| Average earning assets | $158,118,000 | 3,334 |
| Average equity | $16,143,000 | 3,669 |
| Average total loans | $86,768,000 | 3,734 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5558% | 5,271 |
| Cost of funding earning assets | 0.5643% | 2,217 |
| Net interest margin | 2.9915% | 5,549 |
| Noninterest income to average assets | 0.5902% | 2,864 |
| Noninterest expense to average assets | 3.0256% | 2,743 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3401% | 5,432 |
| Return on assets (ROA) | 0.3868% | 5,343 |
| Pretax return on assets | 0.3868% | 5,599 |
| Return on Equity (ROE) | 4.1191% | 5,092 |
| Retained earnings to average equity (ytd only) | 4.1191% | 3,552 |
| Net charge-offs to loans | -0.0705% | 6,020 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8958% | 927 |
| Assets per employee ($millions) | 3.9762% | 3,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6226% | 590 |
| Loan loss allowance to noncurrent loans | 79.2824% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 3.0443% | 834 |
| Noncurrent loans to loans | 3.3079% | 837 |
| Net loans and leases to total assets | 48.9490% | 5,088 |
| Net loans and leases to deposits | 54.3507% | 5,328 |
| Net loans and leases to core deposits | 55.5097% | 5,443 |
| Total domestic deposits to total assets | 90.0613% | 775 |
| Equity capital to assets | 9.5585% | 4,679 |
| Core capital (leverage) ratio | 9.5008% | 4,331 |
| Tier 1 risk-based capital ratio | 19.9778% | 1,691 |
| Total risk-based capital ratio | 21.2466% | 1,657 |
| Memoranda: | ||
| Average total assets | $171,141,330 | 3,369 |
| Average earning assets | $158,784,000 | 3,340 |
| Average equity | $16,071,330 | 3,677 |
| Average total loans | $87,996,330 | 3,713 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5426% | 5,323 |
| Cost of funding earning assets | 0.5686% | 2,255 |
| Net interest margin | 2.9740% | 5,584 |
| Noninterest income to average assets | 0.8480% | 1,574 |
| Noninterest expense to average assets | 3.1748% | 2,310 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4345% | 4,997 |
| Return on assets (ROA) | 0.4345% | 5,056 |
| Pretax return on assets | 0.4345% | 5,350 |
| Return on Equity (ROE) | 4.6688% | 4,709 |
| Retained earnings to average equity (ytd only) | 4.6688% | 3,320 |
| Net charge-offs to loans | 0.2292% | 1,404 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.6471% | 2,650 |
| Efficiency ratio | 87.9612% | 1,228 |
| Assets per employee ($millions) | 3.8781% | 4,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4819% | 825 |
| Loan loss allowance to noncurrent loans | 102.8910% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 2.8874% | 1,010 |
| Noncurrent loans to loans | 2.4122% | 1,453 |
| Net loans and leases to total assets | 49.9903% | 4,911 |
| Net loans and leases to deposits | 55.4265% | 5,160 |
| Net loans and leases to core deposits | 56.6061% | 5,312 |
| Total domestic deposits to total assets | 90.1920% | 974 |
| Equity capital to assets | 9.4136% | 4,607 |
| Core capital (leverage) ratio | 9.3767% | 4,468 |
| Tier 1 risk-based capital ratio | 19.6918% | 1,792 |
| Total risk-based capital ratio | 20.9580% | 1,761 |
| Memoranda: | ||
| Average total assets | $171,223,000 | 3,388 |
| Average earning assets | $158,977,500 | 3,357 |
| Average equity | $15,935,500 | 3,712 |
| Average total loans | $89,021,500 | 3,723 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6892% | 5,168 |
| Cost of funding earning assets | 0.6182% | 2,497 |
| Net interest margin | 3.0710% | 5,400 |
| Noninterest income to average assets | 0.2393% | 5,638 |
| Noninterest expense to average assets | 2.8092% | 3,688 |
| Loan and lease loss provision to assets | 0.4359% | 671 |
| Net operating income to assets | -0.2866% | 6,410 |
| Return on assets (ROA) | -0.2866% | 6,431 |
| Pretax return on assets | -0.1643% | 6,332 |
| Return on Equity (ROE) | -3.0912% | 6,433 |
| Retained earnings to average equity (ytd only) | -3.0912% | 6,271 |
| Net charge-offs to loans | 0.7296% | 880 |
| Credit loss provision to net charge-offs | 109.8837% | 2,188 |
| Earnings coverage of net charge-offs (x) | 0.6846% | 4,859 |
| Efficiency ratio | 91.1847% | 936 |
| Assets per employee ($millions) | 3.9956% | 3,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4534% | 872 |
| Loan loss allowance to noncurrent loans | 79.6130% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 3.0604% | 1,021 |
| Noncurrent loans to loans | 3.0816% | 1,119 |
| Net loans and leases to total assets | 51.4222% | 4,926 |
| Net loans and leases to deposits | 56.8769% | 5,223 |
| Net loans and leases to core deposits | 58.0733% | 5,388 |
| Total domestic deposits to total assets | 90.4097% | 870 |
| Equity capital to assets | 9.2009% | 4,803 |
| Core capital (leverage) ratio | 9.2370% | 4,662 |
| Tier 1 risk-based capital ratio | 19.2012% | 1,867 |
| Total risk-based capital ratio | 20.4679% | 1,823 |
| Memoranda: | ||
| Average total assets | $173,429,000 | 3,355 |
| Average earning assets | $160,470,200 | 3,330 |
| Average equity | $16,078,000 | 3,687 |
| Average total loans | $94,303,600 | 3,592 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6988% | 5,172 |
| Cost of funding earning assets | 0.6266% | 2,586 |
| Net interest margin | 3.0723% | 5,394 |
| Noninterest income to average assets | 0.1979% | 5,993 |
| Noninterest expense to average assets | 2.8371% | 3,539 |
| Loan and lease loss provision to assets | 0.5798% | 427 |
| Net operating income to assets | -0.5423% | 6,617 |
| Return on assets (ROA) | -0.5423% | 6,627 |
| Pretax return on assets | -0.3797% | 6,550 |
| Return on Equity (ROE) | -5.8384% | 6,620 |
| Retained earnings to average equity (ytd only) | -5.8384% | 6,530 |
| Net charge-offs to loans | 0.8498% | 689 |
| Credit loss provision to net charge-offs | 124.5470% | 1,893 |
| Earnings coverage of net charge-offs (x) | 0.4300% | 4,719 |
| Efficiency ratio | 93.4091% | 770 |
| Assets per employee ($millions) | 4.1003% | 3,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4929% | 942 |
| Loan loss allowance to noncurrent loans | 74.8700% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 3.4254% | 996 |
| Noncurrent loans to loans | 3.3296% | 1,170 |
| Net loans and leases to total assets | 52.3085% | 4,842 |
| Net loans and leases to deposits | 57.7505% | 5,214 |
| Net loans and leases to core deposits | 59.0703% | 5,364 |
| Total domestic deposits to total assets | 90.5767% | 716 |
| Equity capital to assets | 9.1098% | 5,043 |
| Core capital (leverage) ratio | 9.1135% | 4,948 |
| Tier 1 risk-based capital ratio | 18.6305% | 2,105 |
| Total risk-based capital ratio | 19.9079% | 2,066 |
| Memoranda: | ||
| Average total assets | $173,834,000 | 3,377 |
| Average earning assets | $160,659,000 | 3,359 |
| Average equity | $16,145,500 | 3,720 |
| Average total loans | $95,237,000 | 3,593 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6873% | 5,182 |
| Cost of funding earning assets | 0.6386% | 2,603 |
| Net interest margin | 3.0487% | 5,432 |
| Noninterest income to average assets | 0.1468% | 6,315 |
| Noninterest expense to average assets | 2.8938% | 3,354 |
| Loan and lease loss provision to assets | 0.8075% | 264 |
| Net operating income to assets | -0.8889% | 6,726 |
| Return on assets (ROA) | -0.8889% | 6,734 |
| Pretax return on assets | -0.7398% | 6,696 |
| Return on Equity (ROE) | -9.5104% | 6,731 |
| Retained earnings to average equity (ytd only) | -9.5104% | 6,651 |
| Net charge-offs to loans | 1.1478% | 515 |
| Credit loss provision to net charge-offs | 127.5362% | 1,773 |
| Earnings coverage of net charge-offs (x) | 0.1069% | 4,508 |
| Efficiency ratio | 97.7149% | 580 |
| Assets per employee ($millions) | 3.7953% | 4,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4716% | 1,013 |
| Loan loss allowance to noncurrent loans | 64.3316% | 4,613 |
| Noncurrent assets plus other real estate owned to assets | 3.8852% | 917 |
| Noncurrent loans to loans | 3.8419% | 1,046 |
| Net loans and leases to total assets | 52.0987% | 4,849 |
| Net loans and leases to deposits | 57.5296% | 5,203 |
| Net loans and leases to core deposits | 58.8232% | 5,358 |
| Total domestic deposits to total assets | 90.5598% | 723 |
| Equity capital to assets | 9.0489% | 5,168 |
| Core capital (leverage) ratio | 8.9658% | 5,053 |
| Tier 1 risk-based capital ratio | 18.4123% | 2,172 |
| Total risk-based capital ratio | 19.6916% | 2,121 |
| Memoranda: | ||
| Average total assets | $174,375,000 | 3,386 |
| Average earning assets | $160,986,330 | 3,381 |
| Average equity | $16,298,000 | 3,720 |
| Average total loans | $96,188,000 | 3,582 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7248% | 5,076 |
| Cost of funding earning assets | 0.6457% | 2,699 |
| Net interest margin | 3.0791% | 5,333 |
| Noninterest income to average assets | -0.0528% | 6,903 |
| Noninterest expense to average assets | 2.9540% | 3,146 |
| Loan and lease loss provision to assets | 1.1017% | 155 |
| Net operating income to assets | -1.2739% | 6,857 |
| Return on assets (ROA) | -1.2739% | 6,862 |
| Pretax return on assets | -1.2739% | 6,851 |
| Return on Equity (ROE) | -13.4155% | 6,849 |
| Retained earnings to average equity (ytd only) | -13.4155% | 6,706 |
| Net charge-offs to loans | 1.2043% | 484 |
| Credit loss provision to net charge-offs | 163.2653% | 1,285 |
| Earnings coverage of net charge-offs (x) | -0.2551% | 3,885 |
| Efficiency ratio | 106.1881% | 393 |
| Assets per employee ($millions) | 3.7850% | 4,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4268% | 1,206 |
| Loan loss allowance to noncurrent loans | 68.5012% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 4.3094% | 875 |
| Noncurrent loans to loans | 3.5427% | 1,349 |
| Net loans and leases to total assets | 54.0377% | 4,413 |
| Net loans and leases to deposits | 60.2149% | 4,769 |
| Net loans and leases to core deposits | 61.5822% | 4,990 |
| Total domestic deposits to total assets | 89.7414% | 1,192 |
| Equity capital to assets | 9.3448% | 5,069 |
| Core capital (leverage) ratio | 9.1370% | 4,658 |
| Tier 1 risk-based capital ratio | 16.4617% | 3,024 |
| Total risk-based capital ratio | 17.5408% | 3,064 |
| Memoranda: | ||
| Average total assets | $174,270,500 | 3,429 |
| Average earning assets | $160,436,000 | 3,422 |
| Average equity | $16,548,000 | 3,732 |
| Average total loans | $97,651,500 | 3,571 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9471% | 5,448 |
| Cost of funding earning assets | 0.7955% | 2,701 |
| Net interest margin | 3.1516% | 5,687 |
| Noninterest income to average assets | 0.2930% | 5,375 |
| Noninterest expense to average assets | 2.6279% | 4,652 |
| Loan and lease loss provision to assets | 0.9312% | 470 |
| Net operating income to assets | -1.0474% | 6,758 |
| Return on assets (ROA) | -1.0457% | 6,776 |
| Pretax return on assets | -0.3814% | 6,519 |
| Return on Equity (ROE) | -10.4124% | 6,732 |
| Retained earnings to average equity (ytd only) | -10.4124% | 6,654 |
| Net charge-offs to loans | 1.6267% | 521 |
| Credit loss provision to net charge-offs | 98.8784% | 3,136 |
| Earnings coverage of net charge-offs (x) | 0.5821% | 5,197 |
| Efficiency ratio | 82.7411% | 1,780 |
| Assets per employee ($millions) | 3.7920% | 4,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1784% | 1,584 |
| Loan loss allowance to noncurrent loans | 74.7138% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 3.9155% | 1,109 |
| Noncurrent loans to loans | 2.9157% | 1,795 |
| Net loans and leases to total assets | 55.4511% | 4,388 |
| Net loans and leases to deposits | 61.6067% | 4,827 |
| Net loans and leases to core deposits | 62.9950% | 5,063 |
| Total domestic deposits to total assets | 90.0082% | 946 |
| Equity capital to assets | 9.6461% | 4,663 |
| Core capital (leverage) ratio | 9.4392% | 4,200 |
| Tier 1 risk-based capital ratio | 19.9854% | 1,682 |
| Total risk-based capital ratio | 21.2536% | 1,652 |
| Memoranda: | ||
| Average total assets | $179,874,800 | 3,320 |
| Average earning assets | $164,551,000 | 3,312 |
| Average equity | $18,065,000 | 3,454 |
| Average total loans | $104,137,400 | 3,424 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9902% | 5,543 |
| Cost of funding earning assets | 0.8246% | 2,740 |
| Net interest margin | 3.1656% | 5,782 |
| Noninterest income to average assets | 0.3693% | 4,881 |
| Noninterest expense to average assets | 2.6094% | 4,706 |
| Loan and lease loss provision to assets | 1.1646% | 318 |
| Net operating income to assets | -1.3764% | 6,941 |
| Return on assets (ROA) | -1.3742% | 6,959 |
| Pretax return on assets | -0.5106% | 6,709 |
| Return on Equity (ROE) | -13.5545% | 6,910 |
| Retained earnings to average equity (ytd only) | -13.5545% | 6,881 |
| Net charge-offs to loans | 1.7802% | 445 |
| Credit loss provision to net charge-offs | 112.4290% | 2,603 |
| Earnings coverage of net charge-offs (x) | 0.6293% | 5,007 |
| Efficiency ratio | 80.0135% | 2,094 |
| Assets per employee ($millions) | 3.7384% | 4,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3355% | 1,452 |
| Loan loss allowance to noncurrent loans | 94.7921% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 3.7039% | 1,333 |
| Noncurrent loans to loans | 2.4638% | 2,338 |
| Net loans and leases to total assets | 55.8822% | 4,474 |
| Net loans and leases to deposits | 62.0287% | 4,967 |
| Net loans and leases to core deposits | 63.4214% | 5,213 |
| Total domestic deposits to total assets | 90.0909% | 799 |
| Equity capital to assets | 9.6075% | 5,050 |
| Core capital (leverage) ratio | 9.3814% | 4,459 |
| Tier 1 risk-based capital ratio | 19.7996% | 1,813 |
| Total risk-based capital ratio | 21.0610% | 1,780 |
| Memoranda: | ||
| Average total assets | $181,235,250 | 3,328 |
| Average earning assets | $165,567,250 | 3,329 |
| Average equity | $18,374,750 | 3,457 |
| Average total loans | $105,452,000 | 3,419 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0552% | 5,472 |
| Cost of funding earning assets | 0.8443% | 2,841 |
| Net interest margin | 3.2109% | 5,704 |
| Noninterest income to average assets | 0.4173% | 4,527 |
| Noninterest expense to average assets | 2.5770% | 4,854 |
| Loan and lease loss provision to assets | 0.6238% | 932 |
| Net operating income to assets | 0.1693% | 6,003 |
| Return on assets (ROA) | 0.1726% | 6,169 |
| Pretax return on assets | 0.1486% | 6,232 |
| Return on Equity (ROE) | 1.6744% | 6,143 |
| Retained earnings to average equity (ytd only) | 1.6744% | 5,363 |
| Net charge-offs to loans | 1.2457% | 863 |
| Credit loss provision to net charge-offs | 85.6072% | 3,169 |
| Earnings coverage of net charge-offs (x) | 1.0555% | 4,493 |
| Efficiency ratio | 77.0160% | 2,587 |
| Assets per employee ($millions) | 3.9742% | 3,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7180% | 3,150 |
| Loan loss allowance to noncurrent loans | 72.0176% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 3.4320% | 1,560 |
| Noncurrent loans to loans | 2.3855% | 2,513 |
| Net loans and leases to total assets | 56.2958% | 4,418 |
| Net loans and leases to deposits | 63.7825% | 4,792 |
| Net loans and leases to core deposits | 65.2869% | 5,082 |
| Total domestic deposits to total assets | 88.2622% | 1,979 |
| Equity capital to assets | 10.3489% | 3,883 |
| Core capital (leverage) ratio | 9.6458% | 3,930 |
| Tier 1 risk-based capital ratio | 20.4615% | 1,589 |
| Total risk-based capital ratio | 21.7221% | 1,563 |
| Memoranda: | ||
| Average total assets | $183,078,000 | 3,312 |
| Average earning assets | $166,996,000 | 3,313 |
| Average equity | $18,872,670 | 3,369 |
| Average total loans | $107,090,330 | 3,399 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0660% | 5,561 |
| Cost of funding earning assets | 0.8745% | 2,879 |
| Net interest margin | 3.1915% | 5,805 |
| Noninterest income to average assets | 0.4454% | 4,323 |
| Noninterest expense to average assets | 2.7509% | 4,240 |
| Loan and lease loss provision to assets | 0.0589% | 4,674 |
| Net operating income to assets | 0.4719% | 4,950 |
| Return on assets (ROA) | 0.4738% | 5,133 |
| Pretax return on assets | 0.5458% | 5,301 |
| Return on Equity (ROE) | 4.6049% | 4,983 |
| Retained earnings to average equity (ytd only) | 4.6049% | 3,811 |
| Net charge-offs to loans | 0.9974% | 1,037 |
| Credit loss provision to net charge-offs | 10.0000% | 3,905 |
| Earnings coverage of net charge-offs (x) | 1.0222% | 3,814 |
| Efficiency ratio | 82.0313% | 1,929 |
| Assets per employee ($millions) | 4.0067% | 3,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5420% | 3,978 |
| Loan loss allowance to noncurrent loans | 47.5533% | 5,216 |
| Noncurrent assets plus other real estate owned to assets | 3.7937% | 1,472 |
| Noncurrent loans to loans | 3.2427% | 1,977 |
| Net loans and leases to total assets | 57.2306% | 4,180 |
| Net loans and leases to deposits | 65.4675% | 4,439 |
| Net loans and leases to core deposits | 67.0089% | 4,797 |
| Total domestic deposits to total assets | 87.4183% | 2,711 |
| Equity capital to assets | 10.2671% | 3,770 |
| Core capital (leverage) ratio | 9.5850% | 3,937 |
| Tier 1 risk-based capital ratio | 20.1592% | 1,668 |
| Total risk-based capital ratio | 21.4173% | 1,643 |
| Memoranda: | ||
| Average total assets | $183,211,500 | 3,331 |
| Average earning assets | $166,945,000 | 3,333 |
| Average equity | $18,849,500 | 3,376 |
| Average total loans | $108,278,500 | 3,401 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1903% | 6,084 |
| Cost of funding earning assets | 1.0652% | 2,915 |
| Net interest margin | 3.1251% | 6,285 |
| Noninterest income to average assets | -0.1793% | 7,149 |
| Noninterest expense to average assets | 2.1720% | 6,326 |
| Loan and lease loss provision to assets | 1.7596% | 380 |
| Net operating income to assets | -0.8061% | 6,659 |
| Return on assets (ROA) | -0.8061% | 6,690 |
| Pretax return on assets | -1.2589% | 6,830 |
| Return on Equity (ROE) | -7.8156% | 6,668 |
| Retained earnings to average equity (ytd only) | -7.8156% | 6,613 |
| Net charge-offs to loans | 1.9570% | 717 |
| Credit loss provision to net charge-offs | 148.6960% | 1,909 |
| Earnings coverage of net charge-offs (x) | 0.4231% | 5,502 |
| Efficiency ratio | 81.2662% | 2,124 |
| Assets per employee ($millions) | 3.8748% | 4,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7336% | 3,077 |
| Loan loss allowance to noncurrent loans | 52.8854% | 4,867 |
| Noncurrent assets plus other real estate owned to assets | 3.5955% | 1,636 |
| Noncurrent loans to loans | 3.2780% | 1,975 |
| Net loans and leases to total assets | 59.0437% | 4,191 |
| Net loans and leases to deposits | 66.8540% | 4,616 |
| Net loans and leases to core deposits | 68.2913% | 4,989 |
| Total domestic deposits to total assets | 88.3173% | 1,956 |
| Equity capital to assets | 10.3099% | 3,771 |
| Core capital (leverage) ratio | 9.4399% | 4,124 |
| Tier 1 risk-based capital ratio | 18.0926% | 2,161 |
| Total risk-based capital ratio | 19.3516% | 2,132 |
| Memoranda: | ||
| Average total assets | $187,936,800 | 3,212 |
| Average earning assets | $171,517,200 | 3,211 |
| Average equity | $19,384,200 | 3,231 |
| Average total loans | $113,645,800 | 3,299 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1559% | 6,300 |
| Cost of funding earning assets | 1.0962% | 3,007 |
| Net interest margin | 3.0598% | 6,474 |
| Noninterest income to average assets | -0.2035% | 7,267 |
| Noninterest expense to average assets | 2.1824% | 6,317 |
| Loan and lease loss provision to assets | 1.5431% | 435 |
| Net operating income to assets | -0.7138% | 6,765 |
| Return on assets (ROA) | -0.7138% | 6,793 |
| Pretax return on assets | -1.1327% | 6,917 |
| Return on Equity (ROE) | -6.9203% | 6,765 |
| Retained earnings to average equity (ytd only) | -6.9203% | 6,700 |
| Net charge-offs to loans | 1.7866% | 753 |
| Credit loss provision to net charge-offs | 142.6155% | 2,236 |
| Earnings coverage of net charge-offs (x) | 0.3793% | 5,329 |
| Efficiency ratio | 84.1705% | 1,716 |
| Assets per employee ($millions) | 4.0120% | 3,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3061% | 4,982 |
| Loan loss allowance to noncurrent loans | 30.3716% | 6,227 |
| Noncurrent assets plus other real estate owned to assets | 3.9811% | 1,536 |
| Noncurrent loans to loans | 4.3004% | 1,525 |
| Net loans and leases to total assets | 58.6275% | 4,390 |
| Net loans and leases to deposits | 66.7288% | 4,795 |
| Net loans and leases to core deposits | 68.1219% | 5,164 |
| Total domestic deposits to total assets | 87.8594% | 2,123 |
| Equity capital to assets | 10.2066% | 4,072 |
| Core capital (leverage) ratio | 9.4699% | 4,200 |
| Tier 1 risk-based capital ratio | 18.2566% | 2,170 |
| Total risk-based capital ratio | 19.5097% | 2,135 |
| Memoranda: | ||
| Average total assets | $189,392,000 | 3,211 |
| Average earning assets | $173,081,000 | 3,197 |
| Average equity | $19,536,250 | 3,216 |
| Average total loans | $114,701,000 | 3,306 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2388% | 6,198 |
| Cost of funding earning assets | 1.1130% | 3,145 |
| Net interest margin | 3.1257% | 6,354 |
| Noninterest income to average assets | -0.2520% | 7,361 |
| Noninterest expense to average assets | 2.3019% | 6,120 |
| Loan and lease loss provision to assets | 2.0098% | 303 |
| Net operating income to assets | -1.0945% | 6,971 |
| Return on assets (ROA) | -1.0945% | 6,980 |
| Pretax return on assets | -1.7061% | 7,113 |
| Return on Equity (ROE) | -10.5740% | 6,960 |
| Retained earnings to average equity (ytd only) | -10.5740% | 6,905 |
| Net charge-offs to loans | 2.1644% | 597 |
| Credit loss provision to net charge-offs | 152.3581% | 2,008 |
| Earnings coverage of net charge-offs (x) | 0.2302% | 5,134 |
| Efficiency ratio | 88.3448% | 1,377 |
| Assets per employee ($millions) | 3.9299% | 3,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2748% | 5,173 |
| Loan loss allowance to noncurrent loans | 43.9723% | 5,388 |
| Noncurrent assets plus other real estate owned to assets | 3.1834% | 2,109 |
| Noncurrent loans to loans | 2.8991% | 2,518 |
| Net loans and leases to total assets | 59.8986% | 4,289 |
| Net loans and leases to deposits | 68.9007% | 4,578 |
| Net loans and leases to core deposits | 70.2396% | 5,045 |
| Total domestic deposits to total assets | 86.9347% | 2,779 |
| Equity capital to assets | 10.1231% | 3,986 |
| Core capital (leverage) ratio | 9.4666% | 4,005 |
| Tier 1 risk-based capital ratio | 18.1758% | 2,110 |
| Total risk-based capital ratio | 19.4290% | 2,069 |
| Memoranda: | ||
| Average total assets | $189,667,670 | 3,228 |
| Average earning assets | $173,398,670 | 3,214 |
| Average equity | $19,633,000 | 3,182 |
| Average total loans | $115,596,670 | 3,327 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3245% | 5,934 |
| Cost of funding earning assets | 1.1345% | 3,267 |
| Net interest margin | 3.1900% | 6,099 |
| Noninterest income to average assets | -0.1325% | 7,397 |
| Noninterest expense to average assets | 2.4713% | 5,661 |
| Loan and lease loss provision to assets | 1.0096% | 755 |
| Net operating income to assets | -0.4354% | 6,764 |
| Return on assets (ROA) | -0.4354% | 6,774 |
| Pretax return on assets | -0.6920% | 6,869 |
| Return on Equity (ROE) | -4.1605% | 6,753 |
| Retained earnings to average equity (ytd only) | -4.1605% | 6,435 |
| Net charge-offs to loans | 1.6562% | 807 |
| Credit loss provision to net charge-offs | 99.7921% | 2,739 |
| Earnings coverage of net charge-offs (x) | 0.3139% | 4,381 |
| Efficiency ratio | 88.6124% | 1,454 |
| Assets per employee ($millions) | 3.7714% | 4,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6908% | 7,086 |
| Loan loss allowance to noncurrent loans | 20.3364% | 6,762 |
| Noncurrent assets plus other real estate owned to assets | 3.2470% | 2,114 |
| Noncurrent loans to loans | 3.3969% | 2,207 |
| Net loans and leases to total assets | 60.8362% | 4,108 |
| Net loans and leases to deposits | 70.3463% | 4,297 |
| Net loans and leases to core deposits | 71.6042% | 4,841 |
| Total domestic deposits to total assets | 86.4810% | 3,247 |
| Equity capital to assets | 10.4835% | 3,194 |
| Core capital (leverage) ratio | 10.4054% | 2,698 |
| Tier 1 risk-based capital ratio | 19.7933% | 1,630 |
| Total risk-based capital ratio | 20.5994% | 1,696 |
| Memoranda: | ||
| Average total assets | $190,183,000 | 3,248 |
| Average earning assets | $174,168,500 | 3,231 |
| Average equity | $19,901,500 | 3,131 |
| Average total loans | $116,170,000 | 3,336 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6347% | 6,003 |
| Cost of funding earning assets | 1.6016% | 2,063 |
| Net interest margin | 3.0331% | 6,674 |
| Noninterest income to average assets | -0.1140% | 7,402 |
| Noninterest expense to average assets | 2.2905% | 6,385 |
| Loan and lease loss provision to assets | 0.8296% | 1,984 |
| Net operating income to assets | -0.2571% | 6,173 |
| Return on assets (ROA) | -0.2571% | 6,224 |
| Pretax return on assets | -0.4429% | 6,281 |
| Return on Equity (ROE) | -2.3290% | 6,209 |
| Retained earnings to average equity (ytd only) | -2.3290% | 6,017 |
| Net charge-offs to loans | 0.7689% | 2,721 |
| Credit loss provision to net charge-offs | 163.5783% | 2,118 |
| Earnings coverage of net charge-offs (x) | 0.7625% | 5,359 |
| Efficiency ratio | 85.5558% | 1,741 |
| Assets per employee ($millions) | 3.8359% | 4,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6831% | 7,152 |
| Loan loss allowance to noncurrent loans | 19.9400% | 6,812 |
| Noncurrent assets plus other real estate owned to assets | 3.0444% | 2,318 |
| Noncurrent loans to loans | 3.4257% | 2,216 |
| Net loans and leases to total assets | 60.4941% | 4,584 |
| Net loans and leases to deposits | 70.6602% | 4,733 |
| Net loans and leases to core deposits | 72.1381% | 5,191 |
| Total domestic deposits to total assets | 85.6127% | 3,549 |
| Equity capital to assets | 10.4456% | 3,220 |
| Core capital (leverage) ratio | 10.3431% | 2,730 |
| Tier 1 risk-based capital ratio | 19.8701% | 1,510 |
| Total risk-based capital ratio | 20.6709% | 1,582 |
| Memoranda: | ||
| Average total assets | $185,152,800 | 3,293 |
| Average earning assets | $170,388,000 | 3,275 |
| Average equity | $20,438,200 | 3,087 |
| Average total loans | $122,126,200 | 3,275 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7290% | 5,917 |
| Cost of funding earning assets | 1.6871% | 1,938 |
| Net interest margin | 3.0419% | 6,745 |
| Noninterest income to average assets | -0.0414% | 7,494 |
| Noninterest expense to average assets | 2.2990% | 6,332 |
| Loan and lease loss provision to assets | 1.0827% | 1,346 |
| Net operating income to assets | -0.3728% | 6,491 |
| Return on assets (ROA) | -0.3728% | 6,536 |
| Pretax return on assets | -0.6220% | 6,632 |
| Return on Equity (ROE) | -3.3301% | 6,519 |
| Retained earnings to average equity (ytd only) | -3.3301% | 6,391 |
| Net charge-offs to loans | 0.8997% | 2,198 |
| Credit loss provision to net charge-offs | 178.8715% | 2,056 |
| Earnings coverage of net charge-offs (x) | 0.7611% | 5,302 |
| Efficiency ratio | 83.3070% | 1,915 |
| Assets per employee ($millions) | 3.7743% | 4,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7124% | 7,178 |
| Loan loss allowance to noncurrent loans | 24.3528% | 6,685 |
| Noncurrent assets plus other real estate owned to assets | 2.8228% | 2,574 |
| Noncurrent loans to loans | 2.9252% | 2,727 |
| Net loans and leases to total assets | 63.2214% | 4,272 |
| Net loans and leases to deposits | 74.6574% | 4,407 |
| Net loans and leases to core deposits | 76.4005% | 5,004 |
| Total domestic deposits to total assets | 84.6820% | 3,782 |
| Equity capital to assets | 10.7295% | 3,255 |
| Core capital (leverage) ratio | 10.5139% | 2,672 |
| Tier 1 risk-based capital ratio | 19.6786% | 1,608 |
| Total risk-based capital ratio | 20.5309% | 1,659 |
| Memoranda: | ||
| Average total assets | $183,492,500 | 3,368 |
| Average earning assets | $168,968,250 | 3,344 |
| Average equity | $20,539,250 | 3,115 |
| Average total loans | $123,452,250 | 3,294 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7866% | 5,838 |
| Cost of funding earning assets | 1.7252% | 1,991 |
| Net interest margin | 3.0614% | 6,698 |
| Noninterest income to average assets | 0.0308% | 7,428 |
| Noninterest expense to average assets | 2.2976% | 6,359 |
| Loan and lease loss provision to assets | 0.6899% | 2,097 |
| Net operating income to assets | -0.0506% | 6,153 |
| Return on assets (ROA) | -0.0506% | 6,241 |
| Pretax return on assets | -0.1331% | 6,281 |
| Return on Equity (ROE) | -0.4458% | 6,244 |
| Retained earnings to average equity (ytd only) | -0.4458% | 5,835 |
| Net charge-offs to loans | 0.3934% | 3,403 |
| Credit loss provision to net charge-offs | 255.9184% | 1,493 |
| Earnings coverage of net charge-offs (x) | 2.0653% | 3,992 |
| Efficiency ratio | 80.4934% | 2,369 |
| Assets per employee ($millions) | 3.6792% | 4,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4728% | 7,538 |
| Loan loss allowance to noncurrent loans | 15.4956% | 7,129 |
| Noncurrent assets plus other real estate owned to assets | 2.8990% | 2,479 |
| Noncurrent loans to loans | 3.0513% | 2,636 |
| Net loans and leases to total assets | 66.3690% | 3,755 |
| Net loans and leases to deposits | 78.8982% | 3,818 |
| Net loans and leases to core deposits | 80.6770% | 4,599 |
| Total domestic deposits to total assets | 84.1197% | 4,056 |
| Equity capital to assets | 11.2287% | 2,663 |
| Core capital (leverage) ratio | 11.0363% | 2,212 |
| Tier 1 risk-based capital ratio | 20.1932% | 1,484 |
| Total risk-based capital ratio | 20.7722% | 1,576 |
| Memoranda: | ||
| Average total assets | $181,752,330 | 3,418 |
| Average earning assets | $167,635,670 | 3,381 |
| Average equity | $20,636,330 | 3,087 |
| Average total loans | $124,548,670 | 3,310 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9349% | 5,289 |
| Cost of funding earning assets | 1.7750% | 1,995 |
| Net interest margin | 3.1600% | 6,420 |
| Noninterest income to average assets | -0.0376% | 7,721 |
| Noninterest expense to average assets | 2.2762% | 6,459 |
| Loan and lease loss provision to assets | 0.4451% | 2,740 |
| Net operating income to assets | 0.1461% | 5,874 |
| Return on assets (ROA) | 0.1461% | 5,999 |
| Pretax return on assets | 0.1661% | 5,980 |
| Return on Equity (ROE) | 1.2799% | 6,040 |
| Retained earnings to average equity (ytd only) | 1.2799% | 5,303 |
| Net charge-offs to loans | 0.5100% | 2,537 |
| Credit loss provision to net charge-offs | 125.6250% | 2,798 |
| Earnings coverage of net charge-offs (x) | 1.7250% | 3,695 |
| Efficiency ratio | 78.8344% | 2,755 |
| Assets per employee ($millions) | 3.7527% | 4,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1896% | 7,815 |
| Loan loss allowance to noncurrent loans | 7.2811% | 7,366 |
| Noncurrent assets plus other real estate owned to assets | 2.5087% | 2,898 |
| Noncurrent loans to loans | 2.6040% | 3,064 |
| Net loans and leases to total assets | 69.2639% | 3,095 |
| Net loans and leases to deposits | 82.6067% | 3,175 |
| Net loans and leases to core deposits | 84.2193% | 4,172 |
| Total domestic deposits to total assets | 83.8478% | 4,218 |
| Equity capital to assets | 11.4739% | 2,384 |
| Core capital (leverage) ratio | 11.3244% | 2,021 |
| Tier 1 risk-based capital ratio | 20.3448% | 1,458 |
| Total risk-based capital ratio | 20.5819% | 1,619 |
| Memoranda: | ||
| Average total assets | $180,649,500 | 3,492 |
| Average earning assets | $167,215,500 | 3,439 |
| Average equity | $20,626,500 | 3,113 |
| Average total loans | $125,487,500 | 3,360 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0210% | 6,365 |
| Cost of funding earning assets | 2.3245% | 1,566 |
| Net interest margin | 2.6965% | 7,213 |
| Noninterest income to average assets | 0.0486% | 7,507 |
| Noninterest expense to average assets | 2.2473% | 6,876 |
| Loan and lease loss provision to assets | 1.1551% | 1,981 |
| Net operating income to assets | -0.5090% | 6,190 |
| Return on assets (ROA) | -0.5090% | 6,181 |
| Pretax return on assets | -0.8263% | 6,287 |
| Return on Equity (ROE) | -4.3621% | 6,146 |
| Retained earnings to average equity (ytd only) | -4.3621% | 5,921 |
| Net charge-offs to loans | 1.6129% | 1,566 |
| Credit loss provision to net charge-offs | 102.5515% | 5,385 |
| Earnings coverage of net charge-offs (x) | 0.2920% | 5,823 |
| Efficiency ratio | 87.2345% | 1,961 |
| Assets per employee ($millions) | 3.7744% | 4,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1572% | 7,895 |
| Loan loss allowance to noncurrent loans | 4.7665% | 7,422 |
| Noncurrent assets plus other real estate owned to assets | 2.5192% | 2,773 |
| Noncurrent loans to loans | 3.2975% | 2,316 |
| Net loans and leases to total assets | 69.4241% | 3,381 |
| Net loans and leases to deposits | 82.6831% | 3,508 |
| Net loans and leases to core deposits | 102.6718% | 3,725 |
| Total domestic deposits to total assets | 83.9641% | 4,042 |
| Equity capital to assets | 11.3623% | 2,426 |
| Core capital (leverage) ratio | 11.2212% | 2,089 |
| Tier 1 risk-based capital ratio | 20.3640% | 1,399 |
| Total risk-based capital ratio | 20.5628% | 1,552 |
| Memoranda: | ||
| Average total assets | $180,929,200 | 3,423 |
| Average earning assets | $169,587,200 | 3,356 |
| Average equity | $21,113,600 | 3,055 |
| Average total loans | $126,354,200 | 3,344 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0636% | 6,406 |
| Cost of funding earning assets | 2.3877% | 1,675 |
| Net interest margin | 2.6759% | 7,251 |
| Noninterest income to average assets | 0.0523% | 7,641 |
| Noninterest expense to average assets | 2.2402% | 6,874 |
| Loan and lease loss provision to assets | 1.1551% | 1,681 |
| Net operating income to assets | -0.5123% | 6,437 |
| Return on assets (ROA) | -0.5123% | 6,438 |
| Pretax return on assets | -0.8315% | 6,561 |
| Return on Equity (ROE) | -4.3615% | 6,383 |
| Retained earnings to average equity (ytd only) | -4.3615% | 6,165 |
| Net charge-offs to loans | 1.5785% | 1,299 |
| Credit loss provision to net charge-offs | 104.6760% | 4,854 |
| Earnings coverage of net charge-offs (x) | 0.2933% | 5,724 |
| Efficiency ratio | 87.3778% | 1,932 |
| Assets per employee ($millions) | 3.6869% | 4,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2070% | 7,971 |
| Loan loss allowance to noncurrent loans | 6.5956% | 7,497 |
| Noncurrent assets plus other real estate owned to assets | 2.3022% | 2,975 |
| Noncurrent loans to loans | 3.1387% | 2,407 |
| Net loans and leases to total assets | 67.9901% | 3,962 |
| Net loans and leases to deposits | 82.0561% | 4,013 |
| Net loans and leases to core deposits | 100.6182% | 4,303 |
| Total domestic deposits to total assets | 82.8580% | 4,294 |
| Equity capital to assets | 11.3799% | 2,690 |
| Core capital (leverage) ratio | 11.1658% | 2,290 |
| Tier 1 risk-based capital ratio | 20.6719% | 1,425 |
| Total risk-based capital ratio | 20.9340% | 1,579 |
| Memoranda: | ||
| Average total assets | $180,869,250 | 3,454 |
| Average earning assets | $169,755,750 | 3,374 |
| Average equity | $21,245,750 | 3,065 |
| Average total loans | $126,449,500 | 3,374 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1506% | 6,251 |
| Cost of funding earning assets | 2.4354% | 1,828 |
| Net interest margin | 2.7152% | 7,170 |
| Noninterest income to average assets | -0.0345% | 7,997 |
| Noninterest expense to average assets | 2.2926% | 6,773 |
| Loan and lease loss provision to assets | 0.6644% | 2,440 |
| Net operating income to assets | -0.2571% | 6,271 |
| Return on assets (ROA) | -0.2571% | 6,284 |
| Pretax return on assets | -0.4429% | 6,367 |
| Return on Equity (ROE) | -2.1655% | 6,249 |
| Retained earnings to average equity (ytd only) | -2.1655% | 5,778 |
| Net charge-offs to loans | 0.8285% | 2,038 |
| Credit loss provision to net charge-offs | 113.7143% | 4,077 |
| Earnings coverage of net charge-offs (x) | 0.3790% | 5,304 |
| Efficiency ratio | 91.1908% | 1,711 |
| Assets per employee ($millions) | 3.6458% | 4,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2051% | 8,063 |
| Loan loss allowance to noncurrent loans | 6.7114% | 7,533 |
| Noncurrent assets plus other real estate owned to assets | 2.2854% | 2,851 |
| Noncurrent loans to loans | 3.0558% | 2,353 |
| Net loans and leases to total assets | 69.4041% | 3,846 |
| Net loans and leases to deposits | 84.1297% | 3,856 |
| Net loans and leases to core deposits | 102.7266% | 4,209 |
| Total domestic deposits to total assets | 82.4965% | 4,480 |
| Equity capital to assets | 11.6343% | 2,441 |
| Core capital (leverage) ratio | 11.5252% | 2,074 |
| Tier 1 risk-based capital ratio | 21.1120% | 1,373 |
| Total risk-based capital ratio | 21.3738% | 1,517 |
| Memoranda: | ||
| Average total assets | $179,711,330 | 3,487 |
| Average earning assets | $168,679,330 | 3,417 |
| Average equity | $21,335,000 | 3,058 |
| Average total loans | $126,734,330 | 3,407 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2403% | 6,161 |
| Cost of funding earning assets | 2.4982% | 1,923 |
| Net interest margin | 2.7421% | 7,113 |
| Noninterest income to average assets | 0.1592% | 7,171 |
| Noninterest expense to average assets | 2.2262% | 6,781 |
| Loan and lease loss provision to assets | 0.7084% | 1,802 |
| Net operating income to assets | -0.0874% | 6,393 |
| Return on assets (ROA) | -0.0874% | 6,508 |
| Pretax return on assets | -0.2040% | 6,579 |
| Return on Equity (ROE) | -0.7290% | 6,502 |
| Retained earnings to average equity (ytd only) | -0.7290% | 5,820 |
| Net charge-offs to loans | 0.9944% | 1,350 |
| Credit loss provision to net charge-offs | 100.3175% | 3,709 |
| Earnings coverage of net charge-offs (x) | 0.7143% | 4,442 |
| Efficiency ratio | 81.5271% | 2,603 |
| Assets per employee ($millions) | 3.5909% | 4,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1565% | 8,133 |
| Loan loss allowance to noncurrent loans | 6.6466% | 7,539 |
| Noncurrent assets plus other real estate owned to assets | 1.6675% | 3,422 |
| Noncurrent loans to loans | 2.3542% | 2,799 |
| Net loans and leases to total assets | 70.7210% | 3,532 |
| Net loans and leases to deposits | 86.1234% | 3,607 |
| Net loans and leases to core deposits | 104.7691% | 4,052 |
| Total domestic deposits to total assets | 82.1159% | 4,503 |
| Equity capital to assets | 11.9307% | 2,304 |
| Core capital (leverage) ratio | 11.8109% | 1,993 |
| Tier 1 risk-based capital ratio | 21.4442% | 1,376 |
| Total risk-based capital ratio | 21.6459% | 1,513 |
| Memoranda: | ||
| Average total assets | $178,422,500 | 3,537 |
| Average earning assets | $167,320,000 | 3,460 |
| Average equity | $21,398,500 | 3,062 |
| Average total loans | $126,713,500 | 3,431 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5027% | 7,298 |
| Cost of funding earning assets | 2.8380% | 2,540 |
| Net interest margin | 2.6648% | 7,554 |
| Noninterest income to average assets | 0.1341% | 7,436 |
| Noninterest expense to average assets | 2.1283% | 7,162 |
| Loan and lease loss provision to assets | 0.0268% | 7,061 |
| Net operating income to assets | 0.3447% | 5,376 |
| Return on assets (ROA) | 0.3447% | 5,192 |
| Pretax return on assets | 0.4726% | 5,065 |
| Return on Equity (ROE) | 2.8930% | 5,277 |
| Retained earnings to average equity (ytd only) | 2.8930% | 3,380 |
| Net charge-offs to loans | 0.1023% | 5,286 |
| Credit loss provision to net charge-offs | 37.6000% | 6,468 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 3,215 |
| Efficiency ratio | 80.9948% | 2,448 |
| Assets per employee ($millions) | 3.4765% | 4,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1568% | 8,187 |
| Loan loss allowance to noncurrent loans | 8.9029% | 7,517 |
| Noncurrent assets plus other real estate owned to assets | 1.2544% | 3,717 |
| Noncurrent loans to loans | 1.7616% | 3,122 |
| Net loans and leases to total assets | 71.0964% | 3,769 |
| Net loans and leases to deposits | 86.8332% | 3,987 |
| Net loans and leases to core deposits | 104.7012% | 4,335 |
| Total domestic deposits to total assets | 81.8770% | 4,248 |
| Equity capital to assets | 12.0564% | 2,258 |
| Core capital (leverage) ratio | 11.9737% | 1,979 |
| Tier 1 risk-based capital ratio | 21.5491% | 1,382 |
| Total risk-based capital ratio | 21.7504% | 1,499 |
| Memoranda: | ||
| Average total assets | $175,207,200 | 3,473 |
| Average earning assets | $163,955,200 | 3,417 |
| Average equity | $20,878,200 | 3,110 |
| Average total loans | $122,135,800 | 3,417 |