Home > First Federal Bank > Performance and Condition Ratios
First Federal Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2159% | 3,595 |
| Cost of funding earning assets | 1.1935% | 2,823 |
| Net interest margin | 3.0224% | 3,231 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 3.0557% | 1,030 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.1959% | 4,174 |
| Return on assets (ROA) | 0.1959% | 4,187 |
| Pretax return on assets | 0.1861% | 4,207 |
| Return on Equity (ROE) | 3.5200% | 3,953 |
| Retained earnings to average equity (ytd only) | 3.5171% | 3,116 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 94.2605% | 294 |
| Assets per employee ($millions) | 4.7334% | 3,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0912% | 2,881 |
| Loan loss allowance to noncurrent loans | 182.7430% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 0.4307% | 1,290 |
| Noncurrent loans to loans | 0.5971% | 1,318 |
| Net loans and leases to total assets | 71.3500% | 1,659 |
| Net loans and leases to deposits | 78.9697% | 2,189 |
| Net loans and leases to core deposits | 86.3119% | 2,288 |
| Total domestic deposits to total assets | 90.3500% | 663 |
| Equity capital to assets | 6.1086% | 4,215 |
| Core capital (leverage) ratio | 9.2517% | 3,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2318% | 1,040 |
| Memoranda: | ||
| Average total assets | $255,296,400 | 2,648 |
| Average earning assets | $243,480,800 | 2,610 |
| Average equity | $14,216,400 | 3,327 |
| Average total loans | $182,714,000 | 2,424 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1780% | 3,507 |
| Cost of funding earning assets | 1.1094% | 2,716 |
| Net interest margin | 3.0686% | 3,206 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 3.0593% | 977 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.2466% | 4,181 |
| Return on assets (ROA) | 0.2466% | 4,189 |
| Pretax return on assets | 0.2278% | 4,224 |
| Return on Equity (ROE) | 4.5400% | 3,889 |
| Retained earnings to average equity (ytd only) | 4.5382% | 3,088 |
| Net charge-offs to loans | 0.0037% | 2,372 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 87.2000% | 991 |
| Efficiency ratio | 93.0706% | 293 |
| Assets per employee ($millions) | 4.7001% | 3,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1096% | 2,814 |
| Loan loss allowance to noncurrent loans | 179.0366% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 0.4417% | 1,317 |
| Noncurrent loans to loans | 0.6198% | 1,312 |
| Net loans and leases to total assets | 70.4700% | 1,771 |
| Net loans and leases to deposits | 76.0888% | 2,402 |
| Net loans and leases to core deposits | 82.7418% | 2,418 |
| Total domestic deposits to total assets | 92.6200% | 361 |
| Equity capital to assets | 5.0188% | 4,248 |
| Core capital (leverage) ratio | 9.2605% | 3,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4133% | 1,032 |
| Memoranda: | ||
| Average total assets | $255,219,250 | 2,657 |
| Average earning assets | $243,364,500 | 2,618 |
| Average equity | $13,867,000 | 3,346 |
| Average total loans | $182,298,500 | 2,422 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1619% | 3,374 |
| Cost of funding earning assets | 1.0149% | 2,551 |
| Net interest margin | 3.1471% | 3,111 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 3.0120% | 1,029 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.2574% | 4,220 |
| Return on assets (ROA) | 0.2574% | 4,243 |
| Pretax return on assets | 0.3521% | 4,178 |
| Return on Equity (ROE) | 4.6200% | 3,940 |
| Retained earnings to average equity (ytd only) | 4.6207% | 3,050 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 89.5349% | 368 |
| Assets per employee ($millions) | 4.8446% | 3,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1154% | 2,877 |
| Loan loss allowance to noncurrent loans | 176.8014% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.4517% | 1,186 |
| Noncurrent loans to loans | 0.6309% | 1,186 |
| Net loans and leases to total assets | 70.8000% | 1,659 |
| Net loans and leases to deposits | 76.5800% | 2,252 |
| Net loans and leases to core deposits | 81.8299% | 2,347 |
| Total domestic deposits to total assets | 92.4600% | 331 |
| Equity capital to assets | 5.7296% | 4,224 |
| Core capital (leverage) ratio | 9.1577% | 3,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3441% | 1,057 |
| Memoranda: | ||
| Average total assets | $255,641,667 | 2,660 |
| Average earning assets | $243,974,000 | 2,615 |
| Average equity | $14,240,333 | 3,333 |
| Average total loans | $182,773,000 | 2,414 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1768% | 3,091 |
| Cost of funding earning assets | 0.9278% | 2,285 |
| Net interest margin | 3.2490% | 2,998 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 2.9654% | 1,121 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3542% | 4,164 |
| Return on assets (ROA) | 0.3542% | 4,119 |
| Pretax return on assets | 0.4847% | 4,011 |
| Return on Equity (ROE) | 6.4500% | 3,635 |
| Retained earnings to average equity (ytd only) | 6.4482% | 2,655 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 85.9523% | 512 |
| Assets per employee ($millions) | 5.0992% | 3,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0844% | 3,133 |
| Loan loss allowance to noncurrent loans | 173.3621% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 0.4460% | 1,146 |
| Noncurrent loans to loans | 0.6255% | 1,199 |
| Net loans and leases to total assets | 70.5300% | 1,569 |
| Net loans and leases to deposits | 78.7845% | 1,906 |
| Net loans and leases to core deposits | 84.0881% | 1,979 |
| Total domestic deposits to total assets | 89.5300% | 1,331 |
| Equity capital to assets | 5.7140% | 4,284 |
| Core capital (leverage) ratio | 8.9601% | 3,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3889% | 1,290 |
| Memoranda: | ||
| Average total assets | $257,502,500 | 2,686 |
| Average earning assets | $245,739,000 | 2,633 |
| Average equity | $14,143,500 | 3,377 |
| Average total loans | $183,970,000 | 2,421 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7900% | 2,307 |
| Cost of funding earning assets | 0.2719% | 3,136 |
| Net interest margin | 3.5182% | 1,871 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 3.1809% | 740 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.4172% | 4,226 |
| Return on assets (ROA) | 0.4172% | 4,189 |
| Pretax return on assets | 0.5019% | 4,167 |
| Return on Equity (ROE) | 5.9700% | 3,833 |
| Retained earnings to average equity (ytd only) | 5.9682% | 2,660 |
| Net charge-offs to loans | 0.0006% | 2,577 |
| Credit loss provision to net charge-offs | 17,600.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 1,356.0000% | 132 |
| Efficiency ratio | 84.6520% | 463 |
| Assets per employee ($millions) | 5.0989% | 3,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1019% | 2,886 |
| Loan loss allowance to noncurrent loans | 200.4985% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 0.3934% | 1,298 |
| Noncurrent loans to loans | 0.5496% | 1,345 |
| Net loans and leases to total assets | 70.7900% | 1,550 |
| Net loans and leases to deposits | 78.8477% | 1,862 |
| Net loans and leases to core deposits | 82.5711% | 1,964 |
| Total domestic deposits to total assets | 89.7900% | 1,453 |
| Equity capital to assets | 5.2666% | 4,294 |
| Core capital (leverage) ratio | 9.2040% | 3,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0821% | 1,350 |
| Memoranda: | ||
| Average total assets | $235,122,200 | 2,819 |
| Average earning assets | $224,748,800 | 2,775 |
| Average equity | $16,437,200 | 3,240 |
| Average total loans | $158,256,800 | 2,551 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7114% | 2,010 |
| Cost of funding earning assets | 0.1950% | 3,336 |
| Net interest margin | 3.5165% | 1,621 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 3.2515% | 638 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4431% | 4,175 |
| Return on assets (ROA) | 0.4431% | 4,120 |
| Pretax return on assets | 0.5121% | 4,132 |
| Return on Equity (ROE) | 5.9300% | 3,811 |
| Retained earnings to average equity (ytd only) | 5.9336% | 2,773 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 86.3937% | 447 |
| Assets per employee ($millions) | 4.9280% | 3,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0924% | 3,053 |
| Loan loss allowance to noncurrent loans | 140.9056% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 0.5396% | 998 |
| Noncurrent loans to loans | 0.7753% | 1,043 |
| Net loans and leases to total assets | 68.8400% | 1,578 |
| Net loans and leases to deposits | 74.0955% | 2,040 |
| Net loans and leases to core deposits | 77.4546% | 2,081 |
| Total domestic deposits to total assets | 92.9100% | 606 |
| Equity capital to assets | 5.3406% | 4,179 |
| Core capital (leverage) ratio | 9.5128% | 3,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7578% | 1,221 |
| Memoranda: | ||
| Average total assets | $230,166,750 | 2,859 |
| Average earning assets | $220,215,000 | 2,821 |
| Average equity | $17,189,750 | 3,225 |
| Average total loans | $152,197,250 | 2,615 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6068% | 1,825 |
| Cost of funding earning assets | 0.1678% | 3,343 |
| Net interest margin | 3.4390% | 1,484 |
| Noninterest income to average assets | 0.4004% | 2,757 |
| Noninterest expense to average assets | 3.2261% | 601 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3387% | 4,219 |
| Return on assets (ROA) | 0.3387% | 4,176 |
| Pretax return on assets | 0.4639% | 4,054 |
| Return on Equity (ROE) | 4.0571% | 4,021 |
| Retained earnings to average equity (ytd only) | 4.0571% | 3,060 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4283% | 515 |
| Assets per employee ($millions) | 4.7486% | 3,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1787% | 2,803 |
| Loan loss allowance to noncurrent loans | 124.2219% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 0.6352% | 869 |
| Noncurrent loans to loans | 0.9488% | 880 |
| Net loans and leases to total assets | 66.1564% | 1,671 |
| Net loans and leases to deposits | 73.2573% | 1,936 |
| Net loans and leases to core deposits | 76.7494% | 1,948 |
| Total domestic deposits to total assets | 90.3069% | 1,577 |
| Equity capital to assets | 6.7513% | 3,910 |
| Core capital (leverage) ratio | 10.1740% | 2,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5089% | 1,075 |
| Memoranda: | ||
| Average total assets | $226,777,667 | 2,906 |
| Average earning assets | $216,922,667 | 2,872 |
| Average equity | $18,929,667 | 3,157 |
| Average total loans | $146,905,333 | 2,675 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5880% | 1,536 |
| Cost of funding earning assets | 0.1712% | 3,202 |
| Net interest margin | 3.4168% | 1,264 |
| Noninterest income to average assets | 0.3753% | 2,839 |
| Noninterest expense to average assets | 3.2186% | 587 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3199% | 4,105 |
| Return on assets (ROA) | 0.3199% | 4,072 |
| Pretax return on assets | 0.4378% | 3,971 |
| Return on Equity (ROE) | 3.4859% | 4,000 |
| Retained earnings to average equity (ytd only) | 3.4859% | 3,125 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0254% | 638 |
| Assets per employee ($millions) | 4.7120% | 3,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2810% | 2,451 |
| Loan loss allowance to noncurrent loans | 121.8315% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 0.6663% | 872 |
| Noncurrent loans to loans | 1.0515% | 861 |
| Net loans and leases to total assets | 62.5560% | 1,792 |
| Net loans and leases to deposits | 68.4665% | 2,101 |
| Net loans and leases to core deposits | 72.4532% | 2,071 |
| Total domestic deposits to total assets | 91.3674% | 864 |
| Equity capital to assets | 8.3448% | 3,288 |
| Core capital (leverage) ratio | 10.1360% | 2,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5088% | 970 |
| Memoranda: | ||
| Average total assets | $223,825,500 | 2,932 |
| Average earning assets | $214,940,500 | 2,898 |
| Average equity | $20,540,000 | 3,102 |
| Average total loans | $142,473,000 | 2,721 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6849% | 2,162 |
| Cost of funding earning assets | 0.2117% | 3,350 |
| Net interest margin | 3.4732% | 1,816 |
| Noninterest income to average assets | 0.3939% | 3,083 |
| Noninterest expense to average assets | 3.3926% | 557 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3282% | 4,388 |
| Return on assets (ROA) | 0.3282% | 4,409 |
| Pretax return on assets | 0.3446% | 4,444 |
| Return on Equity (ROE) | 3.1883% | 4,333 |
| Retained earnings to average equity (ytd only) | 3.1883% | 3,554 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7789% | 307 |
| Assets per employee ($millions) | 4.4295% | 4,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2964% | 2,373 |
| Loan loss allowance to noncurrent loans | 119.8433% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 0.6917% | 922 |
| Noncurrent loans to loans | 1.0818% | 897 |
| Net loans and leases to total assets | 63.1165% | 1,807 |
| Net loans and leases to deposits | 70.3584% | 2,095 |
| Net loans and leases to core deposits | 74.6369% | 2,025 |
| Total domestic deposits to total assets | 89.7071% | 1,109 |
| Equity capital to assets | 10.0265% | 2,630 |
| Core capital (leverage) ratio | 10.3329% | 2,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8938% | 907 |
| Memoranda: | ||
| Average total assets | $212,991,800 | 2,960 |
| Average earning assets | $205,026,800 | 2,915 |
| Average equity | $21,924,000 | 3,068 |
| Average total loans | $136,676,200 | 2,764 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6591% | 2,382 |
| Cost of funding earning assets | 0.2188% | 3,435 |
| Net interest margin | 3.4403% | 2,040 |
| Noninterest income to average assets | 0.3920% | 3,140 |
| Noninterest expense to average assets | 3.4541% | 487 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.2852% | 4,540 |
| Return on assets (ROA) | 0.2852% | 4,561 |
| Pretax return on assets | 0.2491% | 4,630 |
| Return on Equity (ROE) | 2.7516% | 4,495 |
| Retained earnings to average equity (ytd only) | 2.7516% | 3,983 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2730% | 243 |
| Assets per employee ($millions) | 4.4411% | 4,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3019% | 2,471 |
| Loan loss allowance to noncurrent loans | 117.6923% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 0.7169% | 1,033 |
| Noncurrent loans to loans | 1.1062% | 1,010 |
| Net loans and leases to total assets | 63.9599% | 1,780 |
| Net loans and leases to deposits | 71.4590% | 2,108 |
| Net loans and leases to core deposits | 75.9984% | 2,048 |
| Total domestic deposits to total assets | 89.5057% | 1,006 |
| Equity capital to assets | 10.2232% | 2,685 |
| Core capital (leverage) ratio | 10.5084% | 2,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8876% | 982 |
| Memoranda: | ||
| Average total assets | $210,871,500 | 3,007 |
| Average earning assets | $202,961,000 | 2,961 |
| Average equity | $21,853,500 | 3,105 |
| Average total loans | $135,439,750 | 2,819 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6268% | 2,543 |
| Cost of funding earning assets | 0.2290% | 3,472 |
| Net interest margin | 3.3978% | 2,147 |
| Noninterest income to average assets | 0.3892% | 3,160 |
| Noninterest expense to average assets | 3.5632% | 432 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.0709% | 4,737 |
| Return on assets (ROA) | 0.0709% | 4,748 |
| Pretax return on assets | 0.0968% | 4,735 |
| Return on Equity (ROE) | 0.6848% | 4,734 |
| Retained earnings to average equity (ytd only) | 0.6848% | 4,397 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3546% | 194 |
| Assets per employee ($millions) | 4.1271% | 4,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4162% | 1,906 |
| Loan loss allowance to noncurrent loans | 104.2589% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 0.8366% | 939 |
| Noncurrent loans to loans | 1.3584% | 857 |
| Net loans and leases to total assets | 60.7194% | 2,334 |
| Net loans and leases to deposits | 67.9624% | 2,623 |
| Net loans and leases to core deposits | 72.2636% | 2,584 |
| Total domestic deposits to total assets | 89.3426% | 1,117 |
| Equity capital to assets | 10.3386% | 2,549 |
| Core capital (leverage) ratio | 10.4390% | 2,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0147% | 804 |
| Memoranda: | ||
| Average total assets | $208,633,000 | 3,024 |
| Average earning assets | $200,835,667 | 2,975 |
| Average equity | $21,611,000 | 3,121 |
| Average total loans | $133,579,333 | 2,854 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6876% | 2,391 |
| Cost of funding earning assets | 0.2400% | 3,561 |
| Net interest margin | 3.4476% | 1,967 |
| Noninterest income to average assets | 0.3736% | 3,229 |
| Noninterest expense to average assets | 3.5974% | 414 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.0713% | 4,735 |
| Return on assets (ROA) | 0.0713% | 4,744 |
| Pretax return on assets | 0.0963% | 4,732 |
| Return on Equity (ROE) | 0.6872% | 4,734 |
| Retained earnings to average equity (ytd only) | 0.6872% | 4,272 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3931% | 226 |
| Assets per employee ($millions) | 3.8081% | 4,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4022% | 1,948 |
| Loan loss allowance to noncurrent loans | 102.7996% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 0.8527% | 1,043 |
| Noncurrent loans to loans | 1.3640% | 934 |
| Net loans and leases to total assets | 61.6391% | 2,323 |
| Net loans and leases to deposits | 69.7156% | 2,536 |
| Net loans and leases to core deposits | 73.9659% | 2,517 |
| Total domestic deposits to total assets | 88.4151% | 1,649 |
| Equity capital to assets | 10.1373% | 2,568 |
| Core capital (leverage) ratio | 10.7160% | 1,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3419% | 749 |
| Memoranda: | ||
| Average total assets | $207,708,000 | 3,022 |
| Average earning assets | $200,024,000 | 2,973 |
| Average equity | $21,536,000 | 3,114 |
| Average total loans | $135,549,000 | 2,831 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2718% | 1,950 |
| Cost of funding earning assets | 0.4873% | 3,032 |
| Net interest margin | 3.7845% | 1,545 |
| Noninterest income to average assets | 0.3428% | 3,413 |
| Noninterest expense to average assets | 3.7148% | 517 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.1953% | 4,577 |
| Return on assets (ROA) | 0.3291% | 4,458 |
| Pretax return on assets | 0.4272% | 4,377 |
| Return on Equity (ROE) | 3.0236% | 4,372 |
| Retained earnings to average equity (ytd only) | 3.0236% | 3,337 |
| Net charge-offs to loans | 0.0007% | 3,409 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 507.0000% | 232 |
| Efficiency ratio | 93.5092% | 282 |
| Assets per employee ($millions) | 3.6781% | 4,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3099% | 2,364 |
| Loan loss allowance to noncurrent loans | 102.3411% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 0.8710% | 1,146 |
| Noncurrent loans to loans | 1.2799% | 1,068 |
| Net loans and leases to total assets | 67.1580% | 1,934 |
| Net loans and leases to deposits | 79.3108% | 1,945 |
| Net loans and leases to core deposits | 84.1624% | 2,023 |
| Total domestic deposits to total assets | 84.6770% | 2,891 |
| Equity capital to assets | 10.6034% | 2,591 |
| Core capital (leverage) ratio | 10.8967% | 1,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7258% | 808 |
| Memoranda: | ||
| Average total assets | $196,621,000 | 2,967 |
| Average earning assets | $188,585,400 | 2,922 |
| Average equity | $21,398,600 | 3,064 |
| Average total loans | $140,318,200 | 2,750 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3343% | 2,008 |
| Cost of funding earning assets | 0.5478% | 2,946 |
| Net interest margin | 3.7866% | 1,658 |
| Noninterest income to average assets | 0.3212% | 3,560 |
| Noninterest expense to average assets | 3.6907% | 538 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.1990% | 4,598 |
| Return on assets (ROA) | 0.3795% | 4,367 |
| Pretax return on assets | 0.4879% | 4,301 |
| Return on Equity (ROE) | 3.4635% | 4,301 |
| Retained earnings to average equity (ytd only) | 3.4635% | 3,327 |
| Net charge-offs to loans | 0.0019% | 3,138 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 189.0000% | 511 |
| Efficiency ratio | 93.4329% | 274 |
| Assets per employee ($millions) | 3.5883% | 4,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2885% | 2,205 |
| Loan loss allowance to noncurrent loans | 101.2693% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 0.8859% | 1,303 |
| Noncurrent loans to loans | 1.2724% | 1,174 |
| Net loans and leases to total assets | 68.7299% | 2,147 |
| Net loans and leases to deposits | 78.1901% | 2,516 |
| Net loans and leases to core deposits | 83.1125% | 2,571 |
| Total domestic deposits to total assets | 87.9011% | 1,261 |
| Equity capital to assets | 10.5935% | 2,710 |
| Core capital (leverage) ratio | 10.9312% | 1,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7829% | 809 |
| Memoranda: | ||
| Average total assets | $194,283,500 | 2,969 |
| Average earning assets | $186,198,000 | 2,924 |
| Average equity | $21,288,250 | 3,066 |
| Average total loans | $140,357,250 | 2,755 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3346% | 2,382 |
| Cost of funding earning assets | 0.6227% | 2,849 |
| Net interest margin | 3.7120% | 2,126 |
| Noninterest income to average assets | 0.2756% | 3,823 |
| Noninterest expense to average assets | 3.7239% | 555 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.0565% | 4,723 |
| Return on assets (ROA) | 0.3322% | 4,416 |
| Pretax return on assets | 0.4548% | 4,326 |
| Return on Equity (ROE) | 2.9791% | 4,359 |
| Retained earnings to average equity (ytd only) | 2.9791% | 3,399 |
| Net charge-offs to loans | 0.0029% | 2,891 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 50.5000% | 1,098 |
| Efficiency ratio | 97.2367% | 220 |
| Assets per employee ($millions) | 3.3488% | 4,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2729% | 2,140 |
| Loan loss allowance to noncurrent loans | 100.0545% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 1.0467% | 1,123 |
| Noncurrent loans to loans | 1.2722% | 1,224 |
| Net loans and leases to total assets | 72.0346% | 1,700 |
| Net loans and leases to deposits | 82.2442% | 2,180 |
| Net loans and leases to core deposits | 87.6300% | 2,284 |
| Total domestic deposits to total assets | 87.5863% | 1,382 |
| Equity capital to assets | 11.0548% | 2,293 |
| Core capital (leverage) ratio | 11.1299% | 1,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7745% | 799 |
| Memoranda: | ||
| Average total assets | $190,873,333 | 2,977 |
| Average earning assets | $182,760,000 | 2,932 |
| Average equity | $21,281,333 | 3,056 |
| Average total loans | $139,673,333 | 2,752 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4066% | 2,600 |
| Cost of funding earning assets | 0.6939% | 2,962 |
| Net interest margin | 3.7127% | 2,280 |
| Noninterest income to average assets | 0.3776% | 3,249 |
| Noninterest expense to average assets | 3.7692% | 648 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.0815% | 4,676 |
| Return on assets (ROA) | 0.5247% | 3,885 |
| Pretax return on assets | 0.7189% | 3,626 |
| Return on Equity (ROE) | 4.6855% | 3,751 |
| Retained earnings to average equity (ytd only) | 4.6855% | 2,424 |
| Net charge-offs to loans | 0.0029% | 2,491 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 74.0000% | 700 |
| Efficiency ratio | 95.9804% | 326 |
| Assets per employee ($millions) | 3.2262% | 4,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3157% | 2,072 |
| Loan loss allowance to noncurrent loans | 98.8691% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 1.1629% | 1,086 |
| Noncurrent loans to loans | 1.3308% | 1,218 |
| Net loans and leases to total assets | 73.5941% | 1,680 |
| Net loans and leases to deposits | 84.1401% | 2,208 |
| Net loans and leases to core deposits | 90.9900% | 2,251 |
| Total domestic deposits to total assets | 87.4661% | 1,352 |
| Equity capital to assets | 11.1855% | 2,695 |
| Core capital (leverage) ratio | 11.5211% | 2,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3193% | 940 |
| Memoranda: | ||
| Average total assets | $187,520,000 | 2,977 |
| Average earning assets | $179,278,500 | 2,925 |
| Average equity | $21,001,000 | 3,074 |
| Average total loans | $137,429,500 | 2,748 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3789% | 3,308 |
| Cost of funding earning assets | 0.6770% | 3,274 |
| Net interest margin | 3.7019% | 2,811 |
| Noninterest income to average assets | 0.4253% | 3,137 |
| Noninterest expense to average assets | 3.6285% | 829 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.2797% | 4,770 |
| Return on assets (ROA) | 0.2801% | 4,794 |
| Pretax return on assets | 0.3430% | 4,773 |
| Return on Equity (ROE) | 2.5262% | 4,739 |
| Retained earnings to average equity (ytd only) | 2.5262% | 3,765 |
| Net charge-offs to loans | 0.0023% | 3,612 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 212.3333% | 379 |
| Efficiency ratio | 91.3756% | 302 |
| Assets per employee ($millions) | 3.1851% | 4,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3576% | 1,683 |
| Loan loss allowance to noncurrent loans | 106.8023% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 1.1388% | 1,051 |
| Noncurrent loans to loans | 1.2711% | 1,182 |
| Net loans and leases to total assets | 71.0286% | 2,243 |
| Net loans and leases to deposits | 81.1985% | 2,643 |
| Net loans and leases to core deposits | 87.7188% | 2,635 |
| Total domestic deposits to total assets | 87.4752% | 1,378 |
| Equity capital to assets | 11.2131% | 2,805 |
| Core capital (leverage) ratio | 11.4984% | 2,110 |
| Tier 1 risk-based capital ratio | 18.4360% | 1,652 |
| Total risk-based capital ratio | 19.6894% | 1,620 |
| Memoranda: | ||
| Average total assets | $185,997,800 | 2,955 |
| Average earning assets | $178,149,800 | 2,902 |
| Average equity | $20,624,000 | 3,080 |
| Average total loans | $129,167,800 | 2,829 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3839% | 3,411 |
| Cost of funding earning assets | 0.6586% | 3,406 |
| Net interest margin | 3.7252% | 2,838 |
| Noninterest income to average assets | 0.4154% | 3,226 |
| Noninterest expense to average assets | 3.5626% | 884 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.3480% | 4,790 |
| Return on assets (ROA) | 0.3486% | 4,814 |
| Pretax return on assets | 0.4226% | 4,786 |
| Return on Equity (ROE) | 3.1525% | 4,744 |
| Retained earnings to average equity (ytd only) | 3.1525% | 3,828 |
| Net charge-offs to loans | 0.0031% | 3,304 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 195.6625% | 444 |
| Efficiency ratio | 89.4120% | 345 |
| Assets per employee ($millions) | 3.2454% | 4,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3827% | 1,644 |
| Loan loss allowance to noncurrent loans | 128.6615% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 0.9985% | 1,345 |
| Noncurrent loans to loans | 1.0747% | 1,478 |
| Net loans and leases to total assets | 70.7854% | 2,356 |
| Net loans and leases to deposits | 81.1969% | 2,779 |
| Net loans and leases to core deposits | 87.9355% | 2,739 |
| Total domestic deposits to total assets | 87.1774% | 1,438 |
| Equity capital to assets | 11.4744% | 2,673 |
| Core capital (leverage) ratio | 11.4527% | 2,254 |
| Tier 1 risk-based capital ratio | 19.0442% | 1,556 |
| Total risk-based capital ratio | 20.2990% | 1,529 |
| Memoranda: | ||
| Average total assets | $185,516,500 | 2,990 |
| Average earning assets | $177,738,000 | 2,936 |
| Average equity | $20,512,000 | 3,111 |
| Average total loans | $127,630,750 | 2,883 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3087% | 3,613 |
| Cost of funding earning assets | 0.6354% | 3,484 |
| Net interest margin | 3.6732% | 3,017 |
| Noninterest income to average assets | 0.4209% | 3,130 |
| Noninterest expense to average assets | 3.5072% | 951 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.3133% | 4,859 |
| Return on assets (ROA) | 0.3133% | 4,871 |
| Pretax return on assets | 0.4295% | 4,794 |
| Return on Equity (ROE) | 2.8792% | 4,811 |
| Retained earnings to average equity (ytd only) | 2.8792% | 3,777 |
| Net charge-offs to loans | 0.0079% | 2,862 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 79.8000% | 817 |
| Efficiency ratio | 89.0894% | 385 |
| Assets per employee ($millions) | 3.4711% | 4,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4236% | 1,517 |
| Loan loss allowance to noncurrent loans | 136.2287% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 0.9427% | 1,475 |
| Noncurrent loans to loans | 1.0450% | 1,566 |
| Net loans and leases to total assets | 67.7892% | 2,846 |
| Net loans and leases to deposits | 77.8021% | 3,164 |
| Net loans and leases to core deposits | 84.1149% | 3,100 |
| Total domestic deposits to total assets | 87.1303% | 1,530 |
| Equity capital to assets | 11.1230% | 2,929 |
| Core capital (leverage) ratio | 11.3262% | 2,311 |
| Tier 1 risk-based capital ratio | 19.3980% | 1,459 |
| Total risk-based capital ratio | 20.6531% | 1,426 |
| Memoranda: | ||
| Average total assets | $185,787,330 | 2,991 |
| Average earning assets | $177,827,330 | 2,940 |
| Average equity | $20,213,670 | 3,129 |
| Average total loans | $125,914,670 | 2,917 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2799% | 3,614 |
| Cost of funding earning assets | 0.6014% | 3,567 |
| Net interest margin | 3.6785% | 2,974 |
| Noninterest income to average assets | 0.3676% | 3,391 |
| Noninterest expense to average assets | 3.5251% | 934 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.2638% | 4,942 |
| Return on assets (ROA) | 0.2638% | 4,949 |
| Pretax return on assets | 0.3612% | 4,888 |
| Return on Equity (ROE) | 2.4528% | 4,900 |
| Retained earnings to average equity (ytd only) | 2.4528% | 3,939 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7067% | 367 |
| Assets per employee ($millions) | 3.4415% | 4,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4596% | 1,478 |
| Loan loss allowance to noncurrent loans | 134.9963% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 1.0687% | 1,300 |
| Noncurrent loans to loans | 1.0812% | 1,539 |
| Net loans and leases to total assets | 66.8437% | 2,926 |
| Net loans and leases to deposits | 75.4435% | 3,313 |
| Net loans and leases to core deposits | 81.3089% | 3,241 |
| Total domestic deposits to total assets | 88.6010% | 1,037 |
| Equity capital to assets | 10.8125% | 3,035 |
| Core capital (leverage) ratio | 11.3272% | 2,268 |
| Tier 1 risk-based capital ratio | 19.6580% | 1,408 |
| Total risk-based capital ratio | 20.9137% | 1,384 |
| Memoranda: | ||
| Average total assets | $184,961,000 | 3,033 |
| Average earning assets | $176,919,000 | 2,986 |
| Average equity | $19,896,000 | 3,166 |
| Average total loans | $124,422,500 | 2,972 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1459% | 3,599 |
| Cost of funding earning assets | 0.5408% | 3,107 |
| Net interest margin | 3.6051% | 3,368 |
| Noninterest income to average assets | 0.5911% | 2,344 |
| Noninterest expense to average assets | 3.4577% | 1,056 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.3374% | 4,964 |
| Return on assets (ROA) | 0.2477% | 5,058 |
| Pretax return on assets | 0.4624% | 4,852 |
| Return on Equity (ROE) | 2.3458% | 5,001 |
| Retained earnings to average equity (ytd only) | 2.3458% | 4,211 |
| Net charge-offs to loans | -0.0084% | 4,448 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7219% | 544 |
| Assets per employee ($millions) | 3.5400% | 4,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4986% | 1,297 |
| Loan loss allowance to noncurrent loans | 133.2368% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 1.0887% | 1,238 |
| Noncurrent loans to loans | 1.1248% | 1,431 |
| Net loans and leases to total assets | 65.7004% | 3,173 |
| Net loans and leases to deposits | 73.9964% | 3,502 |
| Net loans and leases to core deposits | 80.1439% | 3,415 |
| Total domestic deposits to total assets | 88.7886% | 948 |
| Equity capital to assets | 10.7007% | 2,986 |
| Core capital (leverage) ratio | 10.9574% | 2,567 |
| Tier 1 risk-based capital ratio | 20.0047% | 1,303 |
| Total risk-based capital ratio | 21.2608% | 1,278 |
| Memoranda: | ||
| Average total assets | $184,922,000 | 3,006 |
| Average earning assets | $176,584,200 | 2,961 |
| Average equity | $19,524,400 | 3,131 |
| Average total loans | $119,508,600 | 2,999 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0558% | 3,772 |
| Cost of funding earning assets | 0.5213% | 3,050 |
| Net interest margin | 3.5345% | 3,577 |
| Noninterest income to average assets | 0.6532% | 2,057 |
| Noninterest expense to average assets | 3.4951% | 990 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.2781% | 5,119 |
| Return on assets (ROA) | 0.1592% | 5,216 |
| Pretax return on assets | 0.3817% | 5,052 |
| Return on Equity (ROE) | 1.5126% | 5,186 |
| Retained earnings to average equity (ytd only) | 1.5126% | 4,723 |
| Net charge-offs to loans | 0.0112% | 3,015 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 73.9167% | 919 |
| Efficiency ratio | 86.7847% | 477 |
| Assets per employee ($millions) | 3.3634% | 4,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4832% | 1,404 |
| Loan loss allowance to noncurrent loans | 182.1000% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.8617% | 1,714 |
| Noncurrent loans to loans | 0.8145% | 2,076 |
| Net loans and leases to total assets | 64.2159% | 3,399 |
| Net loans and leases to deposits | 71.8148% | 3,786 |
| Net loans and leases to core deposits | 78.2091% | 3,638 |
| Total domestic deposits to total assets | 89.4187% | 698 |
| Equity capital to assets | 10.0376% | 3,602 |
| Core capital (leverage) ratio | 11.0034% | 2,574 |
| Tier 1 risk-based capital ratio | 19.6437% | 1,411 |
| Total risk-based capital ratio | 20.8993% | 1,372 |
| Memoranda: | ||
| Average total assets | $185,132,250 | 3,027 |
| Average earning assets | $176,729,500 | 2,978 |
| Average equity | $19,481,000 | 3,157 |
| Average total loans | $118,690,250 | 3,036 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0295% | 3,690 |
| Cost of funding earning assets | 0.5091% | 2,944 |
| Net interest margin | 3.5204% | 3,567 |
| Noninterest income to average assets | 0.3900% | 3,549 |
| Noninterest expense to average assets | 3.5492% | 930 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.1456% | 5,264 |
| Return on assets (ROA) | 0.1456% | 5,257 |
| Pretax return on assets | 0.1988% | 5,238 |
| Return on Equity (ROE) | 1.3464% | 5,238 |
| Retained earnings to average equity (ytd only) | 1.3464% | 4,676 |
| Net charge-offs to loans | 0.0153% | 2,631 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 20.3333% | 1,816 |
| Efficiency ratio | 94.6957% | 243 |
| Assets per employee ($millions) | 3.0843% | 5,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5687% | 1,181 |
| Loan loss allowance to noncurrent loans | 155.7742% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.9683% | 1,559 |
| Noncurrent loans to loans | 1.0070% | 1,737 |
| Net loans and leases to total assets | 61.7427% | 3,633 |
| Net loans and leases to deposits | 69.5433% | 3,899 |
| Net loans and leases to core deposits | 75.0887% | 3,805 |
| Total domestic deposits to total assets | 88.7831% | 1,024 |
| Equity capital to assets | 10.7884% | 2,844 |
| Core capital (leverage) ratio | 11.0442% | 2,485 |
| Tier 1 risk-based capital ratio | 19.9003% | 1,336 |
| Total risk-based capital ratio | 21.1565% | 1,311 |
| Memoranda: | ||
| Average total assets | $184,096,000 | 3,057 |
| Average earning assets | $175,603,000 | 3,001 |
| Average equity | $19,905,000 | 3,141 |
| Average total loans | $117,329,330 | 3,068 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9581% | 3,765 |
| Cost of funding earning assets | 0.4999% | 2,797 |
| Net interest margin | 3.4582% | 3,677 |
| Noninterest income to average assets | 0.3747% | 3,631 |
| Noninterest expense to average assets | 3.5618% | 913 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.0828% | 5,338 |
| Return on assets (ROA) | 0.0828% | 5,333 |
| Pretax return on assets | 0.1133% | 5,329 |
| Return on Equity (ROE) | 0.7648% | 5,327 |
| Retained earnings to average equity (ytd only) | 0.7648% | 4,674 |
| Net charge-offs to loans | 0.0203% | 2,090 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 8.6667% | 2,016 |
| Efficiency ratio | 96.9176% | 229 |
| Assets per employee ($millions) | 2.9509% | 5,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5445% | 1,308 |
| Loan loss allowance to noncurrent loans | 167.1861% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 0.9368% | 1,692 |
| Noncurrent loans to loans | 0.9238% | 1,970 |
| Net loans and leases to total assets | 63.5496% | 3,365 |
| Net loans and leases to deposits | 73.7177% | 3,439 |
| Net loans and leases to core deposits | 79.2298% | 3,388 |
| Total domestic deposits to total assets | 86.2067% | 2,444 |
| Equity capital to assets | 10.8151% | 2,756 |
| Core capital (leverage) ratio | 10.8670% | 2,571 |
| Tier 1 risk-based capital ratio | 19.5207% | 1,434 |
| Total risk-based capital ratio | 20.7766% | 1,403 |
| Memoranda: | ||
| Average total assets | $183,614,000 | 3,094 |
| Average earning assets | $175,233,500 | 3,042 |
| Average equity | $19,875,000 | 3,170 |
| Average total loans | $117,953,000 | 3,090 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9331% | 3,629 |
| Cost of funding earning assets | 0.4345% | 2,920 |
| Net interest margin | 3.4986% | 3,536 |
| Noninterest income to average assets | 0.3988% | 3,642 |
| Noninterest expense to average assets | 3.6218% | 876 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.2664% | 5,464 |
| Return on assets (ROA) | -0.2664% | 5,463 |
| Pretax return on assets | 0.1055% | 5,373 |
| Return on Equity (ROE) | -2.3302% | 5,469 |
| Retained earnings to average equity (ytd only) | -2.3302% | 5,309 |
| Net charge-offs to loans | 0.0026% | 4,014 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 62.6667% | 928 |
| Efficiency ratio | 97.1708% | 227 |
| Assets per employee ($millions) | 3.0208% | 5,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5533% | 1,264 |
| Loan loss allowance to noncurrent loans | 165.3117% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.9388% | 1,655 |
| Noncurrent loans to loans | 0.9396% | 1,896 |
| Net loans and leases to total assets | 62.9419% | 3,492 |
| Net loans and leases to deposits | 70.9671% | 3,795 |
| Net loans and leases to core deposits | 79.7951% | 3,439 |
| Total domestic deposits to total assets | 88.6916% | 1,153 |
| Equity capital to assets | 10.8336% | 2,799 |
| Core capital (leverage) ratio | 10.6577% | 2,690 |
| Tier 1 risk-based capital ratio | 19.5831% | 1,400 |
| Total risk-based capital ratio | 20.8431% | 1,369 |
| Memoranda: | ||
| Average total assets | $178,280,200 | 3,142 |
| Average earning assets | $169,612,200 | 3,082 |
| Average equity | $20,384,200 | 3,099 |
| Average total loans | $115,852,400 | 3,110 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9342% | 3,575 |
| Cost of funding earning assets | 0.4191% | 2,994 |
| Net interest margin | 3.5151% | 3,449 |
| Noninterest income to average assets | 0.3688% | 3,887 |
| Noninterest expense to average assets | 3.5847% | 891 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.0724% | 5,465 |
| Return on assets (ROA) | 0.0724% | 5,473 |
| Pretax return on assets | 0.1244% | 5,443 |
| Return on Equity (ROE) | 0.6247% | 5,470 |
| Retained earnings to average equity (ytd only) | 0.6247% | 5,082 |
| Net charge-offs to loans | 0.0035% | 3,613 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 54.9975% | 1,049 |
| Efficiency ratio | 96.6450% | 235 |
| Assets per employee ($millions) | 3.1187% | 5,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5974% | 1,248 |
| Loan loss allowance to noncurrent loans | 148.6596% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 1.0076% | 1,686 |
| Noncurrent loans to loans | 1.0745% | 1,793 |
| Net loans and leases to total assets | 61.2673% | 3,742 |
| Net loans and leases to deposits | 71.0420% | 3,866 |
| Net loans and leases to core deposits | 79.4185% | 3,498 |
| Total domestic deposits to total assets | 86.2409% | 2,214 |
| Equity capital to assets | 11.1814% | 2,691 |
| Core capital (leverage) ratio | 11.1401% | 2,334 |
| Tier 1 risk-based capital ratio | 20.1505% | 1,331 |
| Total risk-based capital ratio | 21.4126% | 1,300 |
| Memoranda: | ||
| Average total assets | $176,782,750 | 3,188 |
| Average earning assets | $167,993,000 | 3,129 |
| Average equity | $20,489,500 | 3,103 |
| Average total loans | $115,362,250 | 3,145 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9034% | 3,538 |
| Cost of funding earning assets | 0.4215% | 2,877 |
| Net interest margin | 3.4819% | 3,467 |
| Noninterest income to average assets | 0.3614% | 3,973 |
| Noninterest expense to average assets | 3.5667% | 911 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.0608% | 5,520 |
| Return on assets (ROA) | 0.0608% | 5,525 |
| Pretax return on assets | 0.1021% | 5,510 |
| Return on Equity (ROE) | 0.5163% | 5,523 |
| Retained earnings to average equity (ytd only) | 0.5163% | 4,973 |
| Net charge-offs to loans | 0.0069% | 3,211 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 22.2500% | 1,718 |
| Efficiency ratio | 97.2170% | 228 |
| Assets per employee ($millions) | 3.2105% | 5,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5895% | 1,286 |
| Loan loss allowance to noncurrent loans | 148.5784% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 1.0674% | 1,639 |
| Noncurrent loans to loans | 1.0698% | 1,833 |
| Net loans and leases to total assets | 62.9844% | 3,513 |
| Net loans and leases to deposits | 71.5439% | 3,781 |
| Net loans and leases to core deposits | 80.2328% | 3,404 |
| Total domestic deposits to total assets | 88.0360% | 1,440 |
| Equity capital to assets | 11.5741% | 2,252 |
| Core capital (leverage) ratio | 11.7287% | 1,811 |
| Tier 1 risk-based capital ratio | 20.5074% | 1,270 |
| Total risk-based capital ratio | 21.7686% | 1,241 |
| Memoranda: | ||
| Average total assets | $174,337,000 | 3,232 |
| Average earning assets | $165,600,330 | 3,172 |
| Average equity | $20,531,330 | 3,100 |
| Average total loans | $115,628,670 | 3,149 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8622% | 3,543 |
| Cost of funding earning assets | 0.4450% | 2,570 |
| Net interest margin | 3.4172% | 3,588 |
| Noninterest income to average assets | 0.3613% | 3,949 |
| Noninterest expense to average assets | 3.5895% | 907 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0070% | 5,599 |
| Return on assets (ROA) | 0.0070% | 5,606 |
| Pretax return on assets | 0.0117% | 5,594 |
| Return on Equity (ROE) | 0.0588% | 5,605 |
| Retained earnings to average equity (ytd only) | 0.0588% | 4,896 |
| Net charge-offs to loans | 0.0069% | 2,734 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 2,583 |
| Efficiency ratio | 99.6764% | 228 |
| Assets per employee ($millions) | 2.9140% | 5,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5894% | 1,411 |
| Loan loss allowance to noncurrent loans | 151.0726% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 1.0936% | 1,629 |
| Noncurrent loans to loans | 1.0520% | 1,951 |
| Net loans and leases to total assets | 64.8431% | 3,140 |
| Net loans and leases to deposits | 73.6514% | 3,436 |
| Net loans and leases to core deposits | 82.8568% | 3,006 |
| Total domestic deposits to total assets | 88.0406% | 1,694 |
| Equity capital to assets | 11.6957% | 2,040 |
| Core capital (leverage) ratio | 11.9706% | 1,649 |
| Tier 1 risk-based capital ratio | 20.4603% | 1,304 |
| Total risk-based capital ratio | 21.7217% | 1,274 |
| Memoranda: | ||
| Average total assets | $171,611,000 | 3,295 |
| Average earning assets | $162,705,000 | 3,235 |
| Average equity | $20,392,500 | 3,133 |
| Average total loans | $115,909,000 | 3,173 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0670% | 2,966 |
| Cost of funding earning assets | 0.5321% | 1,851 |
| Net interest margin | 3.5349% | 3,301 |
| Noninterest income to average assets | 0.5382% | 2,986 |
| Noninterest expense to average assets | 3.7731% | 799 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.1901% | 5,436 |
| Return on assets (ROA) | 0.2810% | 5,326 |
| Pretax return on assets | 0.2129% | 5,489 |
| Return on Equity (ROE) | 2.3240% | 5,326 |
| Retained earnings to average equity (ytd only) | 2.3240% | 4,204 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8683% | 286 |
| Assets per employee ($millions) | 2.9031% | 5,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5719% | 1,438 |
| Loan loss allowance to noncurrent loans | 158.7013% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 1.1017% | 1,692 |
| Noncurrent loans to loans | 0.9904% | 2,112 |
| Net loans and leases to total assets | 68.1678% | 2,746 |
| Net loans and leases to deposits | 79.3766% | 2,956 |
| Net loans and leases to core deposits | 89.5782% | 2,541 |
| Total domestic deposits to total assets | 85.8790% | 2,642 |
| Equity capital to assets | 12.0774% | 1,753 |
| Core capital (leverage) ratio | 12.0444% | 1,569 |
| Tier 1 risk-based capital ratio | 20.5988% | 1,276 |
| Total risk-based capital ratio | 21.8649% | 1,243 |
| Memoranda: | ||
| Average total assets | $167,236,400 | 3,317 |
| Average earning assets | $158,816,000 | 3,257 |
| Average equity | $20,223,600 | 3,148 |
| Average total loans | $116,005,800 | 3,129 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1264% | 2,778 |
| Cost of funding earning assets | 0.5344% | 1,841 |
| Net interest margin | 3.5920% | 3,104 |
| Noninterest income to average assets | 0.5806% | 2,761 |
| Noninterest expense to average assets | 3.7998% | 745 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.2731% | 5,337 |
| Return on assets (ROA) | 0.3945% | 5,129 |
| Pretax return on assets | 0.3163% | 5,440 |
| Return on Equity (ROE) | 3.2614% | 5,154 |
| Retained earnings to average equity (ytd only) | 3.2614% | 3,953 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1220% | 343 |
| Assets per employee ($millions) | 2.8232% | 5,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5774% | 1,544 |
| Loan loss allowance to noncurrent loans | 197.5216% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.9611% | 2,153 |
| Noncurrent loans to loans | 0.7986% | 2,670 |
| Net loans and leases to total assets | 67.5174% | 2,870 |
| Net loans and leases to deposits | 77.7201% | 3,216 |
| Net loans and leases to core deposits | 87.5291% | 2,806 |
| Total domestic deposits to total assets | 86.8725% | 1,950 |
| Equity capital to assets | 11.8943% | 2,186 |
| Core capital (leverage) ratio | 12.0732% | 1,621 |
| Tier 1 risk-based capital ratio | 21.1850% | 1,237 |
| Total risk-based capital ratio | 22.4527% | 1,211 |
| Memoranda: | ||
| Average total assets | $166,950,500 | 3,334 |
| Average earning assets | $158,682,250 | 3,271 |
| Average equity | $20,195,500 | 3,174 |
| Average total loans | $115,853,750 | 3,139 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0233% | 3,167 |
| Cost of funding earning assets | 0.5335% | 1,842 |
| Net interest margin | 3.4898% | 3,525 |
| Noninterest income to average assets | 0.6643% | 2,310 |
| Noninterest expense to average assets | 3.8257% | 747 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.0839% | 5,682 |
| Return on assets (ROA) | 0.2010% | 5,581 |
| Pretax return on assets | 0.3358% | 5,444 |
| Return on Equity (ROE) | 1.6495% | 5,586 |
| Retained earnings to average equity (ytd only) | 1.6495% | 4,723 |
| Net charge-offs to loans | 0.0035% | 3,585 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 63.5000% | 843 |
| Efficiency ratio | 96.1585% | 340 |
| Assets per employee ($millions) | 2.8402% | 5,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5914% | 1,553 |
| Loan loss allowance to noncurrent loans | 193.7566% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 0.9811% | 2,184 |
| Noncurrent loans to loans | 0.8213% | 2,690 |
| Net loans and leases to total assets | 66.4421% | 3,019 |
| Net loans and leases to deposits | 76.4705% | 3,329 |
| Net loans and leases to core deposits | 86.0648% | 2,893 |
| Total domestic deposits to total assets | 86.8860% | 1,968 |
| Equity capital to assets | 11.8530% | 2,229 |
| Core capital (leverage) ratio | 12.1327% | 1,549 |
| Tier 1 risk-based capital ratio | 21.9631% | 1,140 |
| Total risk-based capital ratio | 23.2307% | 1,123 |
| Memoranda: | ||
| Average total assets | $166,193,330 | 3,363 |
| Average earning assets | $157,831,330 | 3,302 |
| Average equity | $20,248,330 | 3,170 |
| Average total loans | $115,737,670 | 3,145 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0368% | 3,083 |
| Cost of funding earning assets | 0.5370% | 1,813 |
| Net interest margin | 3.4998% | 3,478 |
| Noninterest income to average assets | 0.4022% | 3,812 |
| Noninterest expense to average assets | 3.6104% | 1,003 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0683% | 5,723 |
| Return on assets (ROA) | 0.0683% | 5,762 |
| Pretax return on assets | 0.1121% | 5,728 |
| Return on Equity (ROE) | 0.5525% | 5,762 |
| Retained earnings to average equity (ytd only) | 0.5525% | 4,980 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9876% | 374 |
| Assets per employee ($millions) | 2.8254% | 5,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5809% | 1,675 |
| Loan loss allowance to noncurrent loans | 195.3142% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 1.1422% | 1,928 |
| Noncurrent loans to loans | 0.8094% | 2,815 |
| Net loans and leases to total assets | 68.4943% | 2,583 |
| Net loans and leases to deposits | 78.6133% | 2,937 |
| Net loans and leases to core deposits | 87.6842% | 2,593 |
| Total domestic deposits to total assets | 87.1281% | 2,142 |
| Equity capital to assets | 11.9864% | 2,037 |
| Core capital (leverage) ratio | 12.2585% | 1,457 |
| Tier 1 risk-based capital ratio | 21.6084% | 1,218 |
| Total risk-based capital ratio | 22.8752% | 1,193 |
| Memoranda: | ||
| Average total assets | $164,083,500 | 3,402 |
| Average earning assets | $155,666,500 | 3,345 |
| Average equity | $20,273,000 | 3,171 |
| Average total loans | $116,078,000 | 3,144 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9509% | 3,522 |
| Cost of funding earning assets | 0.5607% | 1,671 |
| Net interest margin | 3.3903% | 3,951 |
| Noninterest income to average assets | 0.5263% | 3,162 |
| Noninterest expense to average assets | 3.6547% | 1,037 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1680% | 5,645 |
| Return on assets (ROA) | 0.1680% | 5,692 |
| Pretax return on assets | 0.0769% | 5,818 |
| Return on Equity (ROE) | 1.3362% | 5,715 |
| Retained earnings to average equity (ytd only) | 1.3362% | 4,964 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9399% | 343 |
| Assets per employee ($millions) | 2.6912% | 5,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5791% | 1,685 |
| Loan loss allowance to noncurrent loans | 169.6577% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 1.2975% | 1,637 |
| Noncurrent loans to loans | 0.9307% | 2,474 |
| Net loans and leases to total assets | 70.7933% | 2,249 |
| Net loans and leases to deposits | 81.5364% | 2,649 |
| Net loans and leases to core deposits | 91.1410% | 2,300 |
| Total domestic deposits to total assets | 86.8242% | 2,226 |
| Equity capital to assets | 12.7361% | 1,498 |
| Core capital (leverage) ratio | 12.3216% | 1,437 |
| Tier 1 risk-based capital ratio | 21.7036% | 1,190 |
| Total risk-based capital ratio | 22.9745% | 1,163 |
| Memoranda: | ||
| Average total assets | $161,300,200 | 3,409 |
| Average earning assets | $152,495,400 | 3,363 |
| Average equity | $20,281,200 | 3,144 |
| Average total loans | $112,783,800 | 3,156 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9593% | 3,497 |
| Cost of funding earning assets | 0.5635% | 1,682 |
| Net interest margin | 3.3958% | 3,976 |
| Noninterest income to average assets | 0.5556% | 3,019 |
| Noninterest expense to average assets | 3.6570% | 1,038 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2265% | 5,625 |
| Return on assets (ROA) | 0.2265% | 5,691 |
| Pretax return on assets | 0.1075% | 5,884 |
| Return on Equity (ROE) | 1.8076% | 5,710 |
| Retained earnings to average equity (ytd only) | 1.8076% | 4,977 |
| Net charge-offs to loans | 0.0036% | 4,057 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 43.3325% | 1,160 |
| Efficiency ratio | 97.1447% | 385 |
| Assets per employee ($millions) | 2.6605% | 5,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6060% | 1,774 |
| Loan loss allowance to noncurrent loans | 264.2136% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 1.0937% | 2,167 |
| Noncurrent loans to loans | 0.6078% | 3,495 |
| Net loans and leases to total assets | 69.1232% | 2,516 |
| Net loans and leases to deposits | 79.3667% | 2,949 |
| Net loans and leases to core deposits | 88.0817% | 2,655 |
| Total domestic deposits to total assets | 87.0935% | 1,987 |
| Equity capital to assets | 12.3255% | 1,857 |
| Core capital (leverage) ratio | 12.3398% | 1,491 |
| Tier 1 risk-based capital ratio | 22.2521% | 1,157 |
| Total risk-based capital ratio | 23.5244% | 1,136 |
| Memoranda: | ||
| Average total assets | $161,257,750 | 3,446 |
| Average earning assets | $152,380,250 | 3,388 |
| Average equity | $20,210,250 | 3,182 |
| Average total loans | $111,943,750 | 3,200 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9293% | 3,578 |
| Cost of funding earning assets | 0.5656% | 1,679 |
| Net interest margin | 3.3636% | 4,044 |
| Noninterest income to average assets | 0.5171% | 3,248 |
| Noninterest expense to average assets | 3.6123% | 1,108 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0497% | 5,930 |
| Return on assets (ROA) | 0.0497% | 5,975 |
| Pretax return on assets | 0.0833% | 5,949 |
| Return on Equity (ROE) | 0.3956% | 5,980 |
| Retained earnings to average equity (ytd only) | 0.3956% | 5,388 |
| Net charge-offs to loans | 0.0036% | 3,771 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 33.5000% | 1,267 |
| Efficiency ratio | 97.7464% | 385 |
| Assets per employee ($millions) | 2.5264% | 6,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6580% | 1,721 |
| Loan loss allowance to noncurrent loans | 265.7475% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 1.1349% | 2,245 |
| Noncurrent loans to loans | 0.6239% | 3,600 |
| Net loans and leases to total assets | 67.1656% | 2,775 |
| Net loans and leases to deposits | 77.1658% | 3,138 |
| Net loans and leases to core deposits | 85.4950% | 2,822 |
| Total domestic deposits to total assets | 87.0406% | 2,144 |
| Equity capital to assets | 12.4726% | 1,677 |
| Core capital (leverage) ratio | 12.2549% | 1,510 |
| Tier 1 risk-based capital ratio | 22.9867% | 1,084 |
| Total risk-based capital ratio | 24.2596% | 1,057 |
| Memoranda: | ||
| Average total assets | $160,892,670 | 3,474 |
| Average earning assets | $152,038,000 | 3,419 |
| Average equity | $20,221,330 | 3,194 |
| Average total loans | $111,254,670 | 3,228 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0449% | 3,071 |
| Cost of funding earning assets | 0.5696% | 1,664 |
| Net interest margin | 3.4753% | 3,527 |
| Noninterest income to average assets | 0.3838% | 4,127 |
| Noninterest expense to average assets | 3.6213% | 1,112 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0274% | 5,981 |
| Return on assets (ROA) | 0.0274% | 6,020 |
| Pretax return on assets | 0.0474% | 5,999 |
| Return on Equity (ROE) | 0.2173% | 6,021 |
| Retained earnings to average equity (ytd only) | 0.2173% | 5,297 |
| Net charge-offs to loans | 0.0036% | 3,196 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,464 |
| Efficiency ratio | 98.7092% | 409 |
| Assets per employee ($millions) | 2.6296% | 6,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6606% | 1,850 |
| Loan loss allowance to noncurrent loans | 472.1649% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 1.0237% | 2,570 |
| Noncurrent loans to loans | 0.3517% | 4,536 |
| Net loans and leases to total assets | 67.6353% | 2,509 |
| Net loans and leases to deposits | 77.8221% | 2,828 |
| Net loans and leases to core deposits | 86.2532% | 2,516 |
| Total domestic deposits to total assets | 86.9101% | 2,421 |
| Equity capital to assets | 12.4677% | 1,711 |
| Core capital (leverage) ratio | 12.2790% | 1,469 |
| Tier 1 risk-based capital ratio | 22.8533% | 1,128 |
| Total risk-based capital ratio | 24.1265% | 1,108 |
| Memoranda: | ||
| Average total assets | $160,494,000 | 3,500 |
| Average earning assets | $151,698,000 | 3,439 |
| Average equity | $20,248,500 | 3,210 |
| Average total loans | $111,666,500 | 3,233 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1268% | 3,217 |
| Cost of funding earning assets | 0.5966% | 1,785 |
| Net interest margin | 3.5302% | 3,682 |
| Noninterest income to average assets | 0.4391% | 3,906 |
| Noninterest expense to average assets | 3.4826% | 1,520 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1723% | 5,819 |
| Return on assets (ROA) | 0.1871% | 5,845 |
| Pretax return on assets | 0.3073% | 5,690 |
| Return on Equity (ROE) | 1.5086% | 5,889 |
| Retained earnings to average equity (ytd only) | 1.5086% | 5,082 |
| Net charge-offs to loans | 0.1118% | 2,918 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 3.6000% | 3,846 |
| Efficiency ratio | 92.4540% | 678 |
| Assets per employee ($millions) | 2.5489% | 6,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6229% | 2,020 |
| Loan loss allowance to noncurrent loans | 559.1463% | 974 |
| Noncurrent assets plus other real estate owned to assets | 1.0188% | 2,705 |
| Noncurrent loans to loans | 0.2902% | 4,809 |
| Net loans and leases to total assets | 69.2332% | 2,351 |
| Net loans and leases to deposits | 79.6966% | 2,757 |
| Net loans and leases to core deposits | 88.3471% | 2,460 |
| Total domestic deposits to total assets | 86.8709% | 2,343 |
| Equity capital to assets | 12.7648% | 1,491 |
| Core capital (leverage) ratio | 12.1817% | 1,510 |
| Tier 1 risk-based capital ratio | 22.2612% | 1,188 |
| Total risk-based capital ratio | 23.5187% | 1,164 |
| Memoranda: | ||
| Average total assets | $164,645,400 | 3,416 |
| Average earning assets | $155,204,000 | 3,357 |
| Average equity | $20,415,800 | 3,116 |
| Average total loans | $116,308,000 | 3,109 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1376% | 3,221 |
| Cost of funding earning assets | 0.5953% | 1,880 |
| Net interest margin | 3.5422% | 3,662 |
| Noninterest income to average assets | 0.4402% | 3,955 |
| Noninterest expense to average assets | 3.4278% | 1,594 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2141% | 5,825 |
| Return on assets (ROA) | 0.2141% | 5,869 |
| Pretax return on assets | 0.3501% | 5,678 |
| Return on Equity (ROE) | 1.7389% | 5,896 |
| Retained earnings to average equity (ytd only) | 1.7389% | 5,180 |
| Net charge-offs to loans | 0.1559% | 2,248 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 3.1752% | 3,717 |
| Efficiency ratio | 90.7329% | 796 |
| Assets per employee ($millions) | 2.7734% | 5,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5876% | 2,341 |
| Loan loss allowance to noncurrent loans | 585.2564% | 866 |
| Noncurrent assets plus other real estate owned to assets | 1.0518% | 2,856 |
| Noncurrent loans to loans | 0.2713% | 5,094 |
| Net loans and leases to total assets | 69.1741% | 2,330 |
| Net loans and leases to deposits | 79.3849% | 2,783 |
| Net loans and leases to core deposits | 88.4851% | 2,375 |
| Total domestic deposits to total assets | 87.1376% | 2,240 |
| Equity capital to assets | 12.5996% | 1,639 |
| Core capital (leverage) ratio | 11.9792% | 1,707 |
| Tier 1 risk-based capital ratio | 23.0340% | 1,103 |
| Total risk-based capital ratio | 24.2958% | 1,087 |
| Memoranda: | ||
| Average total assets | $165,661,250 | 3,425 |
| Average earning assets | $156,094,750 | 3,360 |
| Average equity | $20,395,250 | 3,128 |
| Average total loans | $117,132,500 | 3,119 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1519% | 3,139 |
| Cost of funding earning assets | 0.5928% | 1,957 |
| Net interest margin | 3.5591% | 3,533 |
| Noninterest income to average assets | 0.4256% | 4,052 |
| Noninterest expense to average assets | 3.4700% | 1,534 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1888% | 5,869 |
| Return on assets (ROA) | 0.1888% | 5,918 |
| Pretax return on assets | 0.3054% | 5,772 |
| Return on Equity (ROE) | 1.5452% | 5,941 |
| Retained earnings to average equity (ytd only) | 1.5452% | 5,121 |
| Net charge-offs to loans | 0.2325% | 1,648 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.8540% | 3,698 |
| Efficiency ratio | 91.9108% | 771 |
| Assets per employee ($millions) | 2.7243% | 6,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5787% | 2,546 |
| Loan loss allowance to noncurrent loans | 433.7292% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 1.1403% | 2,797 |
| Noncurrent loans to loans | 0.3640% | 4,901 |
| Net loans and leases to total assets | 68.4996% | 2,327 |
| Net loans and leases to deposits | 78.4400% | 2,741 |
| Net loans and leases to core deposits | 87.4962% | 2,364 |
| Total domestic deposits to total assets | 87.3274% | 2,286 |
| Equity capital to assets | 12.3308% | 1,755 |
| Core capital (leverage) ratio | 11.7219% | 1,836 |
| Tier 1 risk-based capital ratio | 22.5287% | 1,183 |
| Total risk-based capital ratio | 23.7891% | 1,166 |
| Memoranda: | ||
| Average total assets | $166,337,670 | 3,433 |
| Average earning assets | $156,556,670 | 3,371 |
| Average equity | $20,321,330 | 3,135 |
| Average total loans | $117,837,670 | 3,104 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1687% | 2,993 |
| Cost of funding earning assets | 0.5944% | 2,021 |
| Net interest margin | 3.5743% | 3,366 |
| Noninterest income to average assets | 0.4014% | 4,172 |
| Noninterest expense to average assets | 3.4468% | 1,596 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1851% | 5,841 |
| Return on assets (ROA) | 0.1851% | 5,884 |
| Pretax return on assets | 0.3077% | 5,701 |
| Return on Equity (ROE) | 1.5220% | 5,919 |
| Retained earnings to average equity (ytd only) | 1.5220% | 5,000 |
| Net charge-offs to loans | 0.0034% | 3,608 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 128.0000% | 382 |
| Efficiency ratio | 91.8054% | 891 |
| Assets per employee ($millions) | 2.6686% | 6,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6505% | 2,511 |
| Loan loss allowance to noncurrent loans | 637.0130% | 769 |
| Noncurrent assets plus other real estate owned to assets | 1.0867% | 3,082 |
| Noncurrent loans to loans | 0.2591% | 5,325 |
| Net loans and leases to total assets | 69.5386% | 1,976 |
| Net loans and leases to deposits | 79.4651% | 2,371 |
| Net loans and leases to core deposits | 88.6628% | 2,031 |
| Total domestic deposits to total assets | 87.5084% | 2,504 |
| Equity capital to assets | 12.0889% | 1,816 |
| Core capital (leverage) ratio | 11.4091% | 2,040 |
| Tier 1 risk-based capital ratio | 21.3957% | 1,399 |
| Total risk-based capital ratio | 22.6571% | 1,373 |
| Memoranda: | ||
| Average total assets | $166,414,000 | 3,456 |
| Average earning assets | $156,116,000 | 3,405 |
| Average equity | $20,236,000 | 3,145 |
| Average total loans | $118,925,500 | 3,093 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3025% | 2,951 |
| Cost of funding earning assets | 0.6936% | 1,867 |
| Net interest margin | 3.6088% | 3,429 |
| Noninterest income to average assets | 0.4406% | 4,154 |
| Noninterest expense to average assets | 3.5203% | 1,609 |
| Loan and lease loss provision to assets | 0.0089% | 4,945 |
| Net operating income to assets | 0.1315% | 5,974 |
| Return on assets (ROA) | 0.1710% | 5,955 |
| Pretax return on assets | 0.3557% | 5,593 |
| Return on Equity (ROE) | 1.4274% | 6,001 |
| Retained earnings to average equity (ytd only) | 1.4274% | 5,181 |
| Net charge-offs to loans | 0.1858% | 2,976 |
| Credit loss provision to net charge-offs | 6.6964% | 4,627 |
| Earnings coverage of net charge-offs (x) | 2.2768% | 4,256 |
| Efficiency ratio | 92.0795% | 876 |
| Assets per employee ($millions) | 2.6566% | 6,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6499% | 2,568 |
| Loan loss allowance to noncurrent loans | 446.1364% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 1.4286% | 2,601 |
| Noncurrent loans to loans | 0.3698% | 5,081 |
| Net loans and leases to total assets | 71.0456% | 1,831 |
| Net loans and leases to deposits | 81.9929% | 2,182 |
| Net loans and leases to core deposits | 91.4181% | 1,856 |
| Total domestic deposits to total assets | 86.6484% | 2,907 |
| Equity capital to assets | 12.2326% | 1,661 |
| Core capital (leverage) ratio | 11.5683% | 1,911 |
| Tier 1 risk-based capital ratio | 20.9828% | 1,423 |
| Total risk-based capital ratio | 22.2444% | 1,402 |
| Memoranda: | ||
| Average total assets | $168,422,800 | 3,436 |
| Average earning assets | $157,862,000 | 3,379 |
| Average equity | $20,176,800 | 3,137 |
| Average total loans | $120,591,600 | 3,024 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3058% | 2,961 |
| Cost of funding earning assets | 0.7070% | 1,906 |
| Net interest margin | 3.5988% | 3,453 |
| Noninterest income to average assets | 0.4244% | 4,334 |
| Noninterest expense to average assets | 3.5271% | 1,551 |
| Loan and lease loss provision to assets | 0.0118% | 4,762 |
| Net operating income to assets | 0.0988% | 6,141 |
| Return on assets (ROA) | 0.1512% | 6,106 |
| Pretax return on assets | 0.3456% | 5,758 |
| Return on Equity (ROE) | 1.2683% | 6,130 |
| Retained earnings to average equity (ytd only) | 1.2683% | 5,478 |
| Net charge-offs to loans | 0.2039% | 2,602 |
| Credit loss provision to net charge-offs | 8.1081% | 4,237 |
| Earnings coverage of net charge-offs (x) | 1.8919% | 4,197 |
| Efficiency ratio | 92.7536% | 806 |
| Assets per employee ($millions) | 2.8298% | 6,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6650% | 2,748 |
| Loan loss allowance to noncurrent loans | 180.8491% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 2.0066% | 2,008 |
| Noncurrent loans to loans | 0.9207% | 3,976 |
| Net loans and leases to total assets | 69.6376% | 2,025 |
| Net loans and leases to deposits | 80.0283% | 2,407 |
| Net loans and leases to core deposits | 90.3814% | 1,933 |
| Total domestic deposits to total assets | 87.0162% | 2,687 |
| Equity capital to assets | 11.8264% | 2,029 |
| Core capital (leverage) ratio | 11.2547% | 2,245 |
| Tier 1 risk-based capital ratio | 20.6188% | 1,572 |
| Total risk-based capital ratio | 21.8805% | 1,544 |
| Memoranda: | ||
| Average total assets | $169,351,750 | 3,460 |
| Average earning assets | $158,974,000 | 3,393 |
| Average equity | $20,184,000 | 3,169 |
| Average total loans | $120,994,500 | 3,039 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3228% | 2,858 |
| Cost of funding earning assets | 0.7255% | 1,881 |
| Net interest margin | 3.5973% | 3,368 |
| Noninterest income to average assets | 0.3936% | 4,570 |
| Noninterest expense to average assets | 3.5885% | 1,432 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0265% | 6,269 |
| Return on assets (ROA) | 0.1052% | 6,212 |
| Pretax return on assets | 0.3156% | 5,830 |
| Return on Equity (ROE) | 0.8804% | 6,237 |
| Retained earnings to average equity (ytd only) | 0.8804% | 5,548 |
| Net charge-offs to loans | 0.3217% | 1,896 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.8359% | 4,250 |
| Efficiency ratio | 94.9047% | 714 |
| Assets per employee ($millions) | 2.7664% | 6,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6544% | 2,964 |
| Loan loss allowance to noncurrent loans | 161.9165% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 2.0747% | 2,084 |
| Noncurrent loans to loans | 1.0218% | 3,893 |
| Net loans and leases to total assets | 69.6417% | 1,946 |
| Net loans and leases to deposits | 80.1931% | 2,292 |
| Net loans and leases to core deposits | 89.8718% | 1,919 |
| Total domestic deposits to total assets | 86.8425% | 2,916 |
| Equity capital to assets | 11.9290% | 1,958 |
| Core capital (leverage) ratio | 11.3446% | 2,065 |
| Tier 1 risk-based capital ratio | 20.9379% | 1,505 |
| Total risk-based capital ratio | 22.1992% | 1,479 |
| Memoranda: | ||
| Average total assets | $169,206,000 | 3,474 |
| Average earning assets | $159,342,670 | 3,407 |
| Average equity | $20,218,670 | 3,186 |
| Average total loans | $121,246,330 | 3,047 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3803% | 2,593 |
| Cost of funding earning assets | 0.7530% | 1,825 |
| Net interest margin | 3.6273% | 3,152 |
| Noninterest income to average assets | 0.3919% | 4,525 |
| Noninterest expense to average assets | 3.5955% | 1,432 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1214% | 6,109 |
| Return on assets (ROA) | 0.2786% | 5,757 |
| Pretax return on assets | 0.4651% | 5,378 |
| Return on Equity (ROE) | 2.3294% | 5,835 |
| Retained earnings to average equity (ytd only) | 2.3294% | 4,856 |
| Net charge-offs to loans | 0.5110% | 1,177 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.5962% | 3,624 |
| Efficiency ratio | 94.2450% | 819 |
| Assets per employee ($millions) | 2.7745% | 6,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6766% | 3,105 |
| Loan loss allowance to noncurrent loans | 161.1511% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 2.2098% | 2,109 |
| Noncurrent loans to loans | 1.0404% | 4,061 |
| Net loans and leases to total assets | 69.8542% | 1,686 |
| Net loans and leases to deposits | 80.7298% | 1,985 |
| Net loans and leases to core deposits | 89.9630% | 1,698 |
| Total domestic deposits to total assets | 86.5283% | 3,217 |
| Equity capital to assets | 11.9732% | 2,063 |
| Core capital (leverage) ratio | 11.0242% | 2,242 |
| Tier 1 risk-based capital ratio | 20.2962% | 1,700 |
| Total risk-based capital ratio | 21.5582% | 1,671 |
| Memoranda: | ||
| Average total assets | $169,435,000 | 3,510 |
| Average earning assets | $159,899,000 | 3,431 |
| Average equity | $20,263,000 | 3,223 |
| Average total loans | $122,121,500 | 3,045 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5998% | 3,006 |
| Cost of funding earning assets | 0.9326% | 1,748 |
| Net interest margin | 3.6672% | 3,796 |
| Noninterest income to average assets | 0.5037% | 3,872 |
| Noninterest expense to average assets | 3.8479% | 1,172 |
| Loan and lease loss provision to assets | 0.0948% | 4,481 |
| Net operating income to assets | -0.0240% | 6,205 |
| Return on assets (ROA) | -0.0240% | 6,328 |
| Pretax return on assets | -0.0117% | 6,295 |
| Return on Equity (ROE) | -0.2068% | 6,325 |
| Retained earnings to average equity (ytd only) | -0.2068% | 5,886 |
| Net charge-offs to loans | -0.0335% | 6,633 |
| Credit loss provision to net charge-offs | -385.7143% | 6,479 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8869% | 632 |
| Assets per employee ($millions) | 2.7359% | 6,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7516% | 2,754 |
| Loan loss allowance to noncurrent loans | 63.6763% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 3.3839% | 1,360 |
| Noncurrent loans to loans | 2.7507% | 1,922 |
| Net loans and leases to total assets | 71.8233% | 1,515 |
| Net loans and leases to deposits | 82.9307% | 1,884 |
| Net loans and leases to core deposits | 92.5564% | 1,592 |
| Total domestic deposits to total assets | 86.6064% | 3,040 |
| Equity capital to assets | 11.9451% | 2,078 |
| Core capital (leverage) ratio | 10.9286% | 2,314 |
| Tier 1 risk-based capital ratio | 18.7826% | 2,017 |
| Total risk-based capital ratio | 20.0451% | 1,976 |
| Memoranda: | ||
| Average total assets | $170,950,600 | 3,440 |
| Average earning assets | $159,769,000 | 3,380 |
| Average equity | $19,821,800 | 3,218 |
| Average total loans | $125,356,000 | 2,977 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6118% | 3,159 |
| Cost of funding earning assets | 0.9572% | 1,809 |
| Net interest margin | 3.6545% | 3,991 |
| Noninterest income to average assets | 0.5348% | 3,713 |
| Noninterest expense to average assets | 3.9816% | 955 |
| Loan and lease loss provision to assets | 0.0872% | 4,519 |
| Net operating income to assets | -0.0973% | 6,403 |
| Return on assets (ROA) | -0.0973% | 6,495 |
| Pretax return on assets | -0.1253% | 6,495 |
| Return on Equity (ROE) | -0.8455% | 6,491 |
| Retained earnings to average equity (ytd only) | -0.8455% | 6,251 |
| Net charge-offs to loans | 0.0424% | 5,059 |
| Credit loss provision to net charge-offs | 280.0000% | 969 |
| Earnings coverage of net charge-offs (x) | -1.2250% | 5,597 |
| Efficiency ratio | 100.9672% | 510 |
| Assets per employee ($millions) | 2.7327% | 6,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6537% | 3,319 |
| Loan loss allowance to noncurrent loans | 53.2359% | 4,971 |
| Noncurrent assets plus other real estate owned to assets | 3.5981% | 1,388 |
| Noncurrent loans to loans | 3.1063% | 1,792 |
| Net loans and leases to total assets | 71.6081% | 1,624 |
| Net loans and leases to deposits | 82.6968% | 2,029 |
| Net loans and leases to core deposits | 92.7744% | 1,700 |
| Total domestic deposits to total assets | 86.5911% | 2,926 |
| Equity capital to assets | 11.9185% | 2,335 |
| Core capital (leverage) ratio | 10.8910% | 2,498 |
| Tier 1 risk-based capital ratio | 18.8259% | 2,061 |
| Total risk-based capital ratio | 20.0870% | 2,029 |
| Memoranda: | ||
| Average total assets | $171,281,750 | 3,465 |
| Average earning assets | $159,761,250 | 3,417 |
| Average equity | $19,711,750 | 3,265 |
| Average total loans | $125,694,250 | 3,004 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6852% | 2,979 |
| Cost of funding earning assets | 0.9851% | 1,852 |
| Net interest margin | 3.7001% | 3,818 |
| Noninterest income to average assets | 0.5049% | 3,894 |
| Noninterest expense to average assets | 4.2373% | 701 |
| Loan and lease loss provision to assets | 0.1303% | 3,901 |
| Net operating income to assets | -0.2874% | 6,608 |
| Return on assets (ROA) | -0.2874% | 6,669 |
| Pretax return on assets | -0.4235% | 6,712 |
| Return on Equity (ROE) | -2.5267% | 6,648 |
| Retained earnings to average equity (ytd only) | -2.5267% | 6,413 |
| Net charge-offs to loans | -0.0712% | 6,766 |
| Credit loss provision to net charge-offs | -248.8889% | 6,181 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.4336% | 371 |
| Assets per employee ($millions) | 2.4382% | 6,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6781% | 3,326 |
| Loan loss allowance to noncurrent loans | 56.4709% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 3.5043% | 1,520 |
| Noncurrent loans to loans | 2.9717% | 2,002 |
| Net loans and leases to total assets | 72.9470% | 1,399 |
| Net loans and leases to deposits | 84.2860% | 1,817 |
| Net loans and leases to core deposits | 94.0746% | 1,594 |
| Total domestic deposits to total assets | 86.5470% | 3,042 |
| Equity capital to assets | 11.7533% | 2,363 |
| Core capital (leverage) ratio | 10.6983% | 2,598 |
| Tier 1 risk-based capital ratio | 18.0704% | 2,271 |
| Total risk-based capital ratio | 19.2750% | 2,255 |
| Memoranda: | ||
| Average total assets | $171,900,670 | 3,473 |
| Average earning assets | $159,781,000 | 3,431 |
| Average equity | $19,551,330 | 3,277 |
| Average total loans | $126,471,670 | 2,996 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7258% | 2,950 |
| Cost of funding earning assets | 1.0232% | 1,851 |
| Net interest margin | 3.7026% | 3,815 |
| Noninterest income to average assets | 0.5333% | 3,680 |
| Noninterest expense to average assets | 3.7632% | 1,271 |
| Loan and lease loss provision to assets | 0.2597% | 2,381 |
| Net operating income to assets | -0.0348% | 6,463 |
| Return on assets (ROA) | -0.0348% | 6,560 |
| Pretax return on assets | -0.0580% | 6,576 |
| Return on Equity (ROE) | -0.3109% | 6,561 |
| Retained earnings to average equity (ytd only) | -0.3109% | 6,046 |
| Net charge-offs to loans | 0.0411% | 4,119 |
| Credit loss provision to net charge-offs | 861.5385% | 406 |
| Earnings coverage of net charge-offs (x) | 6.6923% | 2,166 |
| Efficiency ratio | 94.9123% | 776 |
| Assets per employee ($millions) | 2.4642% | 6,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6087% | 3,687 |
| Loan loss allowance to noncurrent loans | 52.4099% | 4,931 |
| Noncurrent assets plus other real estate owned to assets | 4.5973% | 1,159 |
| Noncurrent loans to loans | 3.0694% | 2,091 |
| Net loans and leases to total assets | 73.2562% | 1,175 |
| Net loans and leases to deposits | 84.4016% | 1,610 |
| Net loans and leases to core deposits | 94.3817% | 1,435 |
| Total domestic deposits to total assets | 86.7947% | 3,072 |
| Equity capital to assets | 11.5431% | 2,398 |
| Core capital (leverage) ratio | 10.8361% | 2,404 |
| Tier 1 risk-based capital ratio | 18.4724% | 2,155 |
| Total risk-based capital ratio | 19.6329% | 2,146 |
| Memoranda: | ||
| Average total assets | $172,513,000 | 3,484 |
| Average earning assets | $159,887,500 | 3,438 |
| Average equity | $19,297,000 | 3,310 |
| Average total loans | $126,393,500 | 3,015 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8845% | 3,432 |
| Cost of funding earning assets | 1.2107% | 1,959 |
| Net interest margin | 3.6738% | 4,419 |
| Noninterest income to average assets | 0.3947% | 4,655 |
| Noninterest expense to average assets | 3.7633% | 1,420 |
| Loan and lease loss provision to assets | 0.4826% | 2,188 |
| Net operating income to assets | -0.2859% | 6,332 |
| Return on assets (ROA) | -0.2859% | 6,388 |
| Pretax return on assets | -0.4576% | 6,461 |
| Return on Equity (ROE) | -2.5705% | 6,373 |
| Retained earnings to average equity (ytd only) | -2.5705% | 6,220 |
| Net charge-offs to loans | -0.0065% | 6,853 |
| Credit loss provision to net charge-offs | -10,362.5000% | 6,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3392% | 699 |
| Assets per employee ($millions) | 2.4301% | 6,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5825% | 3,649 |
| Loan loss allowance to noncurrent loans | 46.4809% | 5,220 |
| Noncurrent assets plus other real estate owned to assets | 5.1028% | 1,036 |
| Noncurrent loans to loans | 3.4046% | 1,896 |
| Net loans and leases to total assets | 70.9379% | 1,834 |
| Net loans and leases to deposits | 80.9433% | 2,370 |
| Net loans and leases to core deposits | 90.8310% | 2,007 |
| Total domestic deposits to total assets | 87.6390% | 2,376 |
| Equity capital to assets | 10.8286% | 3,161 |
| Core capital (leverage) ratio | 10.1873% | 3,100 |
| Tier 1 risk-based capital ratio | 16.9762% | 2,621 |
| Total risk-based capital ratio | 18.2348% | 2,571 |
| Memoranda: | ||
| Average total assets | $171,763,000 | 3,458 |
| Average earning assets | $158,666,000 | 3,430 |
| Average equity | $19,101,000 | 3,267 |
| Average total loans | $122,716,000 | 3,128 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9007% | 3,554 |
| Cost of funding earning assets | 1.2435% | 2,038 |
| Net interest margin | 3.6572% | 4,539 |
| Noninterest income to average assets | 0.3785% | 4,831 |
| Noninterest expense to average assets | 3.7403% | 1,413 |
| Loan and lease loss provision to assets | 0.1492% | 4,583 |
| Net operating income to assets | -0.0956% | 6,280 |
| Return on assets (ROA) | -0.0956% | 6,366 |
| Pretax return on assets | -0.1352% | 6,363 |
| Return on Equity (ROE) | -0.8539% | 6,357 |
| Retained earnings to average equity (ytd only) | -0.8539% | 6,127 |
| Net charge-offs to loans | -0.1755% | 7,250 |
| Credit loss provision to net charge-offs | -119.2547% | 6,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6274% | 669 |
| Assets per employee ($millions) | 2.4023% | 6,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2154% | 5,406 |
| Loan loss allowance to noncurrent loans | 84.8485% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 3.7302% | 1,671 |
| Noncurrent loans to loans | 1.4324% | 4,142 |
| Net loans and leases to total assets | 69.7330% | 2,133 |
| Net loans and leases to deposits | 79.9659% | 2,660 |
| Net loans and leases to core deposits | 89.3147% | 2,325 |
| Total domestic deposits to total assets | 87.2033% | 2,530 |
| Equity capital to assets | 11.0842% | 3,062 |
| Core capital (leverage) ratio | 10.3892% | 2,997 |
| Tier 1 risk-based capital ratio | 17.1670% | 2,581 |
| Total risk-based capital ratio | 18.4190% | 2,539 |
| Memoranda: | ||
| Average total assets | $171,570,250 | 3,490 |
| Average earning assets | $158,369,500 | 3,461 |
| Average equity | $19,205,500 | 3,258 |
| Average total loans | $122,305,000 | 3,159 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9100% | 3,569 |
| Cost of funding earning assets | 1.2785% | 2,070 |
| Net interest margin | 3.6315% | 4,595 |
| Noninterest income to average assets | 0.4535% | 4,262 |
| Noninterest expense to average assets | 3.7603% | 1,424 |
| Loan and lease loss provision to assets | 0.1543% | 4,386 |
| Net operating income to assets | -0.0888% | 6,337 |
| Return on assets (ROA) | -0.0888% | 6,393 |
| Pretax return on assets | -0.1110% | 6,378 |
| Return on Equity (ROE) | -0.7910% | 6,383 |
| Retained earnings to average equity (ytd only) | -0.7910% | 6,015 |
| Net charge-offs to loans | -0.2631% | 7,332 |
| Credit loss provision to net charge-offs | -81.9876% | 6,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8629% | 758 |
| Assets per employee ($millions) | 2.3541% | 7,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1546% | 5,742 |
| Loan loss allowance to noncurrent loans | 68.4945% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 4.3258% | 1,470 |
| Noncurrent loans to loans | 1.6856% | 3,901 |
| Net loans and leases to total assets | 71.9282% | 1,799 |
| Net loans and leases to deposits | 82.7136% | 2,332 |
| Net loans and leases to core deposits | 93.3277% | 1,982 |
| Total domestic deposits to total assets | 86.9606% | 2,761 |
| Equity capital to assets | 11.3172% | 2,667 |
| Core capital (leverage) ratio | 10.6285% | 2,590 |
| Tier 1 risk-based capital ratio | 16.6431% | 2,673 |
| Total risk-based capital ratio | 17.8940% | 2,631 |
| Memoranda: | ||
| Average total assets | $171,104,670 | 3,508 |
| Average earning assets | $157,839,670 | 3,483 |
| Average equity | $19,216,670 | 3,243 |
| Average total loans | $122,373,670 | 3,183 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8551% | 3,793 |
| Cost of funding earning assets | 1.3060% | 2,142 |
| Net interest margin | 3.5491% | 4,819 |
| Noninterest income to average assets | 0.4561% | 4,224 |
| Noninterest expense to average assets | 3.6810% | 1,571 |
| Loan and lease loss provision to assets | 0.0233% | 5,669 |
| Net operating income to assets | 0.0116% | 6,326 |
| Return on assets (ROA) | 0.0116% | 6,361 |
| Pretax return on assets | 0.0209% | 6,323 |
| Return on Equity (ROE) | 0.1040% | 6,361 |
| Retained earnings to average equity (ytd only) | 0.1040% | 5,756 |
| Net charge-offs to loans | -1.3225% | 7,503 |
| Credit loss provision to net charge-offs | -2.4814% | 5,570 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8132% | 797 |
| Assets per employee ($millions) | 2.4479% | 7,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2480% | 5,411 |
| Loan loss allowance to noncurrent loans | 66.2377% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 4.6238% | 1,393 |
| Noncurrent loans to loans | 1.8842% | 3,720 |
| Net loans and leases to total assets | 71.2975% | 1,857 |
| Net loans and leases to deposits | 81.7490% | 2,405 |
| Net loans and leases to core deposits | 92.9508% | 2,015 |
| Total domestic deposits to total assets | 87.2151% | 2,818 |
| Equity capital to assets | 11.2220% | 2,490 |
| Core capital (leverage) ratio | 11.5140% | 1,840 |
| Tier 1 risk-based capital ratio | 17.7287% | 2,208 |
| Total risk-based capital ratio | 18.9801% | 2,174 |
| Memoranda: | ||
| Average total assets | $171,910,000 | 3,521 |
| Average earning assets | $158,350,000 | 3,497 |
| Average equity | $19,234,000 | 3,225 |
| Average total loans | $121,891,500 | 3,220 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9667% | 4,712 |
| Cost of funding earning assets | 1.5732% | 2,226 |
| Net interest margin | 3.3935% | 5,660 |
| Noninterest income to average assets | 0.7397% | 2,596 |
| Noninterest expense to average assets | 3.7727% | 1,538 |
| Loan and lease loss provision to assets | 0.4888% | 3,217 |
| Net operating income to assets | -0.1544% | 6,059 |
| Return on assets (ROA) | -0.1544% | 6,114 |
| Pretax return on assets | -0.4348% | 6,273 |
| Return on Equity (ROE) | -1.4092% | 6,111 |
| Retained earnings to average equity (ytd only) | -1.4092% | 5,875 |
| Net charge-offs to loans | 0.6524% | 3,051 |
| Credit loss provision to net charge-offs | 109.1255% | 4,044 |
| Earnings coverage of net charge-offs (x) | 0.1204% | 6,002 |
| Efficiency ratio | 98.5907% | 850 |
| Assets per employee ($millions) | 2.3626% | 7,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9420% | 6,603 |
| Loan loss allowance to noncurrent loans | 44.4750% | 5,358 |
| Noncurrent assets plus other real estate owned to assets | 5.1905% | 1,211 |
| Noncurrent loans to loans | 2.1179% | 3,410 |
| Net loans and leases to total assets | 68.9625% | 2,757 |
| Net loans and leases to deposits | 79.8168% | 3,208 |
| Net loans and leases to core deposits | 91.1969% | 2,591 |
| Total domestic deposits to total assets | 86.4010% | 3,140 |
| Equity capital to assets | 11.1550% | 2,546 |
| Core capital (leverage) ratio | 11.4374% | 1,870 |
| Tier 1 risk-based capital ratio | 17.9856% | 2,005 |
| Total risk-based capital ratio | 19.0182% | 2,037 |
| Memoranda: | ||
| Average total assets | $176,162,200 | 3,433 |
| Average earning assets | $160,248,000 | 3,444 |
| Average equity | $19,301,600 | 3,242 |
| Average total loans | $120,946,000 | 3,297 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9650% | 4,972 |
| Cost of funding earning assets | 1.6210% | 2,275 |
| Net interest margin | 3.3440% | 5,866 |
| Noninterest income to average assets | 1.0051% | 1,451 |
| Noninterest expense to average assets | 3.7872% | 1,391 |
| Loan and lease loss provision to assets | 0.2598% | 4,510 |
| Net operating income to assets | 0.1310% | 5,686 |
| Return on assets (ROA) | 0.1310% | 5,852 |
| Pretax return on assets | -0.0083% | 6,101 |
| Return on Equity (ROE) | 1.2009% | 5,848 |
| Retained earnings to average equity (ytd only) | 1.2009% | 5,335 |
| Net charge-offs to loans | 0.4479% | 3,516 |
| Credit loss provision to net charge-offs | 84.7666% | 4,972 |
| Earnings coverage of net charge-offs (x) | 0.8206% | 5,234 |
| Efficiency ratio | 93.7733% | 1,014 |
| Assets per employee ($millions) | 2.4198% | 7,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8220% | 6,955 |
| Loan loss allowance to noncurrent loans | 24.4123% | 6,681 |
| Noncurrent assets plus other real estate owned to assets | 4.6584% | 1,427 |
| Noncurrent loans to loans | 3.3670% | 2,367 |
| Net loans and leases to total assets | 68.1002% | 3,187 |
| Net loans and leases to deposits | 79.5910% | 3,527 |
| Net loans and leases to core deposits | 92.1223% | 2,780 |
| Total domestic deposits to total assets | 85.5627% | 3,314 |
| Equity capital to assets | 11.1952% | 2,778 |
| Core capital (leverage) ratio | 11.4294% | 1,982 |
| Tier 1 risk-based capital ratio | 18.2186% | 1,963 |
| Total risk-based capital ratio | 19.1201% | 2,020 |
| Memoranda: | ||
| Average total assets | $177,085,500 | 3,462 |
| Average earning assets | $160,641,000 | 3,484 |
| Average equity | $19,317,250 | 3,277 |
| Average total loans | $121,165,000 | 3,348 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9611% | 5,128 |
| Cost of funding earning assets | 1.6520% | 2,376 |
| Net interest margin | 3.3091% | 5,986 |
| Noninterest income to average assets | 1.2413% | 843 |
| Noninterest expense to average assets | 3.7916% | 1,371 |
| Loan and lease loss provision to assets | 0.3893% | 3,385 |
| Net operating income to assets | 0.2347% | 5,436 |
| Return on assets (ROA) | 0.2347% | 5,577 |
| Pretax return on assets | 0.0418% | 6,088 |
| Return on Equity (ROE) | 2.1707% | 5,583 |
| Retained earnings to average equity (ytd only) | 2.1707% | 4,764 |
| Net charge-offs to loans | 0.7331% | 2,394 |
| Credit loss provision to net charge-offs | 77.7027% | 4,774 |
| Earnings coverage of net charge-offs (x) | 0.8604% | 4,904 |
| Efficiency ratio | 89.7916% | 1,350 |
| Assets per employee ($millions) | 2.3813% | 7,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8060% | 7,019 |
| Loan loss allowance to noncurrent loans | 24.0300% | 6,734 |
| Noncurrent assets plus other real estate owned to assets | 4.7140% | 1,372 |
| Noncurrent loans to loans | 3.3543% | 2,383 |
| Net loans and leases to total assets | 66.1502% | 3,798 |
| Net loans and leases to deposits | 77.2547% | 4,120 |
| Net loans and leases to core deposits | 88.8612% | 3,432 |
| Total domestic deposits to total assets | 85.6261% | 3,301 |
| Equity capital to assets | 11.1033% | 2,767 |
| Core capital (leverage) ratio | 11.3255% | 2,024 |
| Tier 1 risk-based capital ratio | 18.0804% | 1,941 |
| Total risk-based capital ratio | 18.9405% | 2,010 |
| Memoranda: | ||
| Average total assets | $177,231,670 | 3,476 |
| Average earning assets | $159,682,000 | 3,523 |
| Average equity | $19,164,330 | 3,284 |
| Average total loans | $121,122,000 | 3,387 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0757% | 4,647 |
| Cost of funding earning assets | 1.6759% | 2,507 |
| Net interest margin | 3.3998% | 5,585 |
| Noninterest income to average assets | 0.4781% | 4,217 |
| Noninterest expense to average assets | 3.8312% | 1,275 |
| Loan and lease loss provision to assets | 0.7409% | 1,720 |
| Net operating income to assets | -0.6502% | 6,929 |
| Return on assets (ROA) | -0.6502% | 6,959 |
| Pretax return on assets | -1.0513% | 7,073 |
| Return on Equity (ROE) | -6.0962% | 6,946 |
| Retained earnings to average equity (ytd only) | -6.0962% | 6,669 |
| Net charge-offs to loans | 0.2424% | 3,490 |
| Credit loss provision to net charge-offs | 441.8919% | 948 |
| Earnings coverage of net charge-offs (x) | -1.8514% | 5,458 |
| Efficiency ratio | 108.8160% | 628 |
| Assets per employee ($millions) | 2.3113% | 7,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0741% | 6,128 |
| Loan loss allowance to noncurrent loans | 25.0143% | 6,742 |
| Noncurrent assets plus other real estate owned to assets | 7.3837% | 699 |
| Noncurrent loans to loans | 4.2940% | 1,774 |
| Net loans and leases to total assets | 67.8951% | 3,412 |
| Net loans and leases to deposits | 79.1494% | 3,814 |
| Net loans and leases to core deposits | 91.8758% | 3,121 |
| Total domestic deposits to total assets | 85.7810% | 3,270 |
| Equity capital to assets | 10.6555% | 3,082 |
| Core capital (leverage) ratio | 11.0762% | 2,184 |
| Tier 1 risk-based capital ratio | 16.8871% | 2,308 |
| Total risk-based capital ratio | 18.0126% | 2,311 |
| Memoranda: | ||
| Average total assets | $176,550,000 | 3,550 |
| Average earning assets | $158,007,000 | 3,609 |
| Average equity | $18,831,500 | 3,339 |
| Average total loans | $122,132,500 | 3,429 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3261% | 5,056 |
| Cost of funding earning assets | 2.1476% | 2,246 |
| Net interest margin | 3.1785% | 6,161 |
| Noninterest income to average assets | 0.4692% | 4,657 |
| Noninterest expense to average assets | 3.9296% | 1,470 |
| Loan and lease loss provision to assets | 0.3758% | 4,533 |
| Net operating income to assets | -0.5692% | 6,243 |
| Return on assets (ROA) | -0.5671% | 6,237 |
| Pretax return on assets | -0.9257% | 6,363 |
| Return on Equity (ROE) | -5.2267% | 6,233 |
| Retained earnings to average equity (ytd only) | -5.2267% | 6,053 |
| Net charge-offs to loans | 1.1769% | 2,082 |
| Credit loss provision to net charge-offs | 43.1398% | 6,805 |
| Earnings coverage of net charge-offs (x) | -0.6350% | 6,769 |
| Efficiency ratio | 116.3840% | 664 |
| Assets per employee ($millions) | 2.2744% | 7,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8672% | 6,932 |
| Loan loss allowance to noncurrent loans | 33.4809% | 6,209 |
| Noncurrent assets plus other real estate owned to assets | 6.6929% | 791 |
| Noncurrent loans to loans | 2.5901% | 2,968 |
| Net loans and leases to total assets | 69.1264% | 3,453 |
| Net loans and leases to deposits | 80.5883% | 3,876 |
| Net loans and leases to core deposits | 107.9121% | 3,109 |
| Total domestic deposits to total assets | 85.7772% | 3,121 |
| Equity capital to assets | 10.6774% | 2,988 |
| Core capital (leverage) ratio | 11.1289% | 2,152 |
| Tier 1 risk-based capital ratio | 16.6264% | 2,267 |
| Total risk-based capital ratio | 17.5306% | 2,345 |
| Memoranda: | ||
| Average total assets | $179,867,000 | 3,441 |
| Average earning assets | $164,511,600 | 3,433 |
| Average equity | $19,515,000 | 3,277 |
| Average total loans | $133,148,400 | 3,207 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3139% | 5,352 |
| Cost of funding earning assets | 2.2417% | 2,223 |
| Net interest margin | 3.0721% | 6,391 |
| Noninterest income to average assets | 0.5369% | 4,177 |
| Noninterest expense to average assets | 3.9686% | 1,320 |
| Loan and lease loss provision to assets | 0.2857% | 4,688 |
| Net operating income to assets | -0.5426% | 6,469 |
| Return on assets (ROA) | -0.5398% | 6,466 |
| Pretax return on assets | -0.8822% | 6,595 |
| Return on Equity (ROE) | -4.9562% | 6,446 |
| Retained earnings to average equity (ytd only) | -4.9562% | 6,250 |
| Net charge-offs to loans | 1.2391% | 1,648 |
| Credit loss provision to net charge-offs | 30.7205% | 6,504 |
| Earnings coverage of net charge-offs (x) | -0.6461% | 6,539 |
| Efficiency ratio | 117.8439% | 629 |
| Assets per employee ($millions) | 2.2425% | 7,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8409% | 6,987 |
| Loan loss allowance to noncurrent loans | 22.4239% | 6,944 |
| Noncurrent assets plus other real estate owned to assets | 6.3085% | 820 |
| Noncurrent loans to loans | 3.7499% | 1,987 |
| Net loans and leases to total assets | 71.5566% | 3,143 |
| Net loans and leases to deposits | 83.4583% | 3,742 |
| Net loans and leases to core deposits | 111.6917% | 3,050 |
| Total domestic deposits to total assets | 85.7394% | 2,840 |
| Equity capital to assets | 10.7649% | 3,230 |
| Core capital (leverage) ratio | 11.1648% | 2,291 |
| Tier 1 risk-based capital ratio | 16.6079% | 2,391 |
| Total risk-based capital ratio | 17.5121% | 2,470 |
| Memoranda: | ||
| Average total assets | $181,052,000 | 3,453 |
| Average earning assets | $166,830,000 | 3,430 |
| Average equity | $19,719,000 | 3,284 |
| Average total loans | $135,906,000 | 3,192 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3391% | 5,453 |
| Cost of funding earning assets | 2.3464% | 2,177 |
| Net interest margin | 2.9927% | 6,574 |
| Noninterest income to average assets | 0.4365% | 4,970 |
| Noninterest expense to average assets | 3.9781% | 1,354 |
| Loan and lease loss provision to assets | 0.3071% | 4,112 |
| Net operating income to assets | -0.6623% | 6,720 |
| Return on assets (ROA) | -0.6581% | 6,720 |
| Pretax return on assets | -1.0792% | 6,869 |
| Return on Equity (ROE) | -6.0196% | 6,712 |
| Retained earnings to average equity (ytd only) | -6.0196% | 6,453 |
| Net charge-offs to loans | 1.4056% | 1,339 |
| Credit loss provision to net charge-offs | 28.7474% | 6,043 |
| Earnings coverage of net charge-offs (x) | -0.7290% | 6,154 |
| Efficiency ratio | 124.3401% | 600 |
| Assets per employee ($millions) | 2.2112% | 7,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9608% | 6,499 |
| Loan loss allowance to noncurrent loans | 40.3019% | 5,687 |
| Noncurrent assets plus other real estate owned to assets | 5.4584% | 929 |
| Noncurrent loans to loans | 2.3840% | 3,028 |
| Net loans and leases to total assets | 71.3465% | 3,394 |
| Net loans and leases to deposits | 83.4257% | 3,975 |
| Net loans and leases to core deposits | 115.5872% | 2,749 |
| Total domestic deposits to total assets | 85.5210% | 3,008 |
| Equity capital to assets | 10.8191% | 3,090 |
| Core capital (leverage) ratio | 11.0744% | 2,347 |
| Tier 1 risk-based capital ratio | 16.3861% | 2,486 |
| Total risk-based capital ratio | 17.4117% | 2,510 |
| Memoranda: | ||
| Average total assets | $182,349,670 | 3,451 |
| Average earning assets | $168,344,330 | 3,424 |
| Average equity | $19,935,000 | 3,251 |
| Average total loans | $138,593,330 | 3,170 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3690% | 5,577 |
| Cost of funding earning assets | 2.4167% | 2,222 |
| Net interest margin | 2.9522% | 6,606 |
| Noninterest income to average assets | 0.5140% | 4,195 |
| Noninterest expense to average assets | 3.9242% | 1,276 |
| Loan and lease loss provision to assets | 0.5250% | 2,373 |
| Net operating income to assets | -0.7215% | 7,074 |
| Return on assets (ROA) | -0.7131% | 7,106 |
| Pretax return on assets | -1.1724% | 7,240 |
| Return on Equity (ROE) | -6.4895% | 7,105 |
| Retained earnings to average equity (ytd only) | -6.4895% | 6,740 |
| Net charge-offs to loans | 0.0421% | 4,893 |
| Credit loss provision to net charge-offs | 1,600.0000% | 385 |
| Earnings coverage of net charge-offs (x) | -20.1333% | 5,663 |
| Efficiency ratio | 120.2413% | 626 |
| Assets per employee ($millions) | 2.2569% | 7,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5481% | 2,729 |
| Loan loss allowance to noncurrent loans | 31.1640% | 6,468 |
| Noncurrent assets plus other real estate owned to assets | 5.9194% | 686 |
| Noncurrent loans to loans | 4.9676% | 1,097 |
| Net loans and leases to total assets | 75.6304% | 2,356 |
| Net loans and leases to deposits | 89.7878% | 2,964 |
| Net loans and leases to core deposits | 125.2952% | 1,971 |
| Total domestic deposits to total assets | 84.2325% | 3,586 |
| Equity capital to assets | 10.9034% | 3,066 |
| Core capital (leverage) ratio | 11.1387% | 2,387 |
| Tier 1 risk-based capital ratio | 16.0381% | 2,680 |
| Total risk-based capital ratio | 17.2942% | 2,613 |
| Memoranda: | ||
| Average total assets | $182,865,500 | 3,465 |
| Average earning assets | $170,312,500 | 3,418 |
| Average equity | $20,094,000 | 3,246 |
| Average total loans | $142,580,500 | 3,125 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3245% | 3,828 |
| Cost of funding earning assets | 3.1215% | 1,446 |
| Net interest margin | 3.2030% | 6,357 |
| Noninterest income to average assets | 0.4904% | 4,684 |
| Noninterest expense to average assets | 3.7630% | 1,827 |
| Loan and lease loss provision to assets | 0.8982% | 1,663 |
| Net operating income to assets | -0.7436% | 7,097 |
| Return on assets (ROA) | -0.7436% | 7,002 |
| Pretax return on assets | -1.1750% | 7,103 |
| Return on Equity (ROE) | -6.7936% | 7,027 |
| Retained earnings to average equity (ytd only) | -6.7936% | 6,760 |
| Net charge-offs to loans | 0.7362% | 1,679 |
| Credit loss provision to net charge-offs | 148.4038% | 3,555 |
| Earnings coverage of net charge-offs (x) | -0.4573% | 6,469 |
| Efficiency ratio | 107.9389% | 761 |
| Assets per employee ($millions) | 2.2039% | 7,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3460% | 3,501 |
| Loan loss allowance to noncurrent loans | 45.7492% | 5,732 |
| Noncurrent assets plus other real estate owned to assets | 4.4854% | 842 |
| Noncurrent loans to loans | 2.9420% | 1,824 |
| Net loans and leases to total assets | 78.0549% | 2,122 |
| Net loans and leases to deposits | 92.7571% | 3,007 |
| Net loans and leases to core deposits | 129.1257% | 1,918 |
| Total domestic deposits to total assets | 84.1498% | 3,245 |
| Equity capital to assets | 11.0734% | 2,976 |
| Core capital (leverage) ratio | 11.3103% | 2,364 |
| Tier 1 risk-based capital ratio | 15.8840% | 2,711 |
| Total risk-based capital ratio | 17.1360% | 2,649 |
| Memoranda: | ||
| Average total assets | $191,495,200 | 3,247 |
| Average earning assets | $179,112,200 | 3,194 |
| Average equity | $20,961,000 | 3,100 |
| Average total loans | $157,419,800 | 2,812 |