Home > First Federal Community Bank, SSB > Performance and Condition Ratios
First Federal Community Bank, SSB, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1036% | 1,846 |
| Cost of funding earning assets | 1.5754% | 1,759 |
| Net interest margin | 3.5281% | 2,125 |
| Noninterest income to average assets | 0.5300% | 1,829 |
| Noninterest expense to average assets | 2.8253% | 1,448 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.7925% | 2,894 |
| Return on assets (ROA) | 0.7937% | 2,870 |
| Pretax return on assets | 1.0109% | 2,653 |
| Return on Equity (ROE) | 7.0200% | 3,277 |
| Retained earnings to average equity (ytd only) | 7.0217% | 1,891 |
| Net charge-offs to loans | -0.0190% | 4,143 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 73.4912% | 1,505 |
| Assets per employee ($millions) | 6.5731% | 2,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2235% | 2,153 |
| Loan loss allowance to noncurrent loans | 444.5661% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.2316% | 2,061 |
| Noncurrent loans to loans | 0.2752% | 2,193 |
| Net loans and leases to total assets | 83.1400% | 332 |
| Net loans and leases to deposits | 95.0777% | 859 |
| Net loans and leases to core deposits | 111.1257% | 914 |
| Total domestic deposits to total assets | 87.4500% | 1,537 |
| Equity capital to assets | 11.5918% | 1,256 |
| Core capital (leverage) ratio | 11.8374% | 1,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4761% | 1,001 |
| Memoranda: | ||
| Average total assets | $546,953,600 | 1,627 |
| Average earning assets | $514,463,000 | 1,591 |
| Average equity | $61,822,400 | 1,365 |
| Average total loans | $443,135,800 | 1,362 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9789% | 1,874 |
| Cost of funding earning assets | 1.4450% | 1,749 |
| Net interest margin | 3.5338% | 2,141 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 2.7570% | 1,528 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | 0.8934% | 2,703 |
| Return on assets (ROA) | 0.8899% | 2,704 |
| Pretax return on assets | 1.1150% | 2,525 |
| Return on Equity (ROE) | 7.9200% | 3,204 |
| Retained earnings to average equity (ytd only) | 7.9244% | 1,997 |
| Net charge-offs to loans | -0.0405% | 4,319 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.5246% | 1,620 |
| Assets per employee ($millions) | 6.6270% | 2,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2492% | 2,107 |
| Loan loss allowance to noncurrent loans | 421.5569% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.2400% | 2,053 |
| Noncurrent loans to loans | 0.2963% | 2,177 |
| Net loans and leases to total assets | 79.9800% | 650 |
| Net loans and leases to deposits | 91.2069% | 1,126 |
| Net loans and leases to core deposits | 107.2393% | 966 |
| Total domestic deposits to total assets | 87.6900% | 1,670 |
| Equity capital to assets | 11.2095% | 1,270 |
| Core capital (leverage) ratio | 11.9022% | 1,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4991% | 1,021 |
| Memoranda: | ||
| Average total assets | $545,657,500 | 1,628 |
| Average earning assets | $513,649,500 | 1,587 |
| Average equity | $61,277,250 | 1,363 |
| Average total loans | $437,734,250 | 1,367 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9134% | 1,734 |
| Cost of funding earning assets | 1.3165% | 1,664 |
| Net interest margin | 3.5969% | 2,045 |
| Noninterest income to average assets | 0.5200% | 1,794 |
| Noninterest expense to average assets | 2.7923% | 1,430 |
| Loan and lease loss provision to assets | -0.0300% | 4,442 |
| Net operating income to assets | 0.9177% | 2,698 |
| Return on assets (ROA) | 0.9177% | 2,681 |
| Pretax return on assets | 1.1509% | 2,508 |
| Return on Equity (ROE) | 8.1700% | 3,197 |
| Retained earnings to average equity (ytd only) | 8.1670% | 1,913 |
| Net charge-offs to loans | -0.0641% | 4,438 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.4070% | 1,627 |
| Assets per employee ($millions) | 6.5192% | 2,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2849% | 1,992 |
| Loan loss allowance to noncurrent loans | 413.0403% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.2493% | 1,957 |
| Noncurrent loans to loans | 0.3111% | 2,028 |
| Net loans and leases to total assets | 79.1000% | 726 |
| Net loans and leases to deposits | 90.4049% | 1,157 |
| Net loans and leases to core deposits | 105.7650% | 996 |
| Total domestic deposits to total assets | 87.4900% | 1,781 |
| Equity capital to assets | 11.2718% | 1,285 |
| Core capital (leverage) ratio | 11.7909% | 1,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5433% | 1,029 |
| Memoranda: | ||
| Average total assets | $541,988,667 | 1,629 |
| Average earning assets | $510,279,667 | 1,598 |
| Average equity | $60,903,333 | 1,372 |
| Average total loans | $433,361,333 | 1,365 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6340% | 2,004 |
| Cost of funding earning assets | 1.1436% | 1,621 |
| Net interest margin | 3.4904% | 2,391 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 2.8888% | 1,254 |
| Loan and lease loss provision to assets | -0.0700% | 4,549 |
| Net operating income to assets | 0.7951% | 3,202 |
| Return on assets (ROA) | 0.8005% | 3,142 |
| Pretax return on assets | 1.0000% | 2,994 |
| Return on Equity (ROE) | 7.1300% | 3,485 |
| Retained earnings to average equity (ytd only) | 7.1348% | 2,458 |
| Net charge-offs to loans | -0.0316% | 4,237 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 75.6998% | 1,192 |
| Assets per employee ($millions) | 6.2239% | 2,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2791% | 2,132 |
| Loan loss allowance to noncurrent loans | 284.3268% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.3594% | 1,433 |
| Noncurrent loans to loans | 0.4499% | 1,595 |
| Net loans and leases to total assets | 78.8700% | 664 |
| Net loans and leases to deposits | 90.1013% | 1,038 |
| Net loans and leases to core deposits | 103.7097% | 937 |
| Total domestic deposits to total assets | 87.5300% | 2,078 |
| Equity capital to assets | 11.1831% | 1,275 |
| Core capital (leverage) ratio | 11.7069% | 1,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8620% | 1,014 |
| Memoranda: | ||
| Average total assets | $539,177,000 | 1,656 |
| Average earning assets | $508,590,500 | 1,629 |
| Average equity | $60,492,000 | 1,389 |
| Average total loans | $430,648,500 | 1,383 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9769% | 1,768 |
| Cost of funding earning assets | 0.5520% | 1,102 |
| Net interest margin | 3.4248% | 2,169 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 2.7431% | 1,456 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 0.8883% | 3,012 |
| Return on assets (ROA) | 0.8772% | 2,993 |
| Pretax return on assets | 1.0657% | 2,874 |
| Return on Equity (ROE) | 8.0700% | 3,376 |
| Retained earnings to average equity (ytd only) | 8.0679% | 1,803 |
| Net charge-offs to loans | 0.1271% | 613 |
| Credit loss provision to net charge-offs | 110.4972% | 1,505 |
| Earnings coverage of net charge-offs (x) | 11.8250% | 2,139 |
| Efficiency ratio | 69.7351% | 1,724 |
| Assets per employee ($millions) | 6.1009% | 2,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0279% | 3,214 |
| Loan loss allowance to noncurrent loans | 220.2399% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 0.3727% | 1,375 |
| Noncurrent loans to loans | 0.4667% | 1,539 |
| Net loans and leases to total assets | 79.0300% | 691 |
| Net loans and leases to deposits | 90.4201% | 1,023 |
| Net loans and leases to core deposits | 101.4103% | 928 |
| Total domestic deposits to total assets | 87.4100% | 2,264 |
| Equity capital to assets | 11.2558% | 1,161 |
| Core capital (leverage) ratio | 11.5862% | 1,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8271% | 1,005 |
| Memoranda: | ||
| Average total assets | $539,350,600 | 1,633 |
| Average earning assets | $506,126,600 | 1,613 |
| Average equity | $58,639,600 | 1,429 |
| Average total loans | $427,267,200 | 1,320 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8079% | 1,740 |
| Cost of funding earning assets | 0.4682% | 888 |
| Net interest margin | 3.3396% | 2,172 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 2.7065% | 1,456 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 0.7012% | 3,568 |
| Return on assets (ROA) | 0.6862% | 3,561 |
| Pretax return on assets | 0.8524% | 3,465 |
| Return on Equity (ROE) | 6.3700% | 3,722 |
| Retained earnings to average equity (ytd only) | 6.3673% | 2,609 |
| Net charge-offs to loans | 0.1571% | 413 |
| Credit loss provision to net charge-offs | 89.4632% | 1,382 |
| Earnings coverage of net charge-offs (x) | 7.9066% | 2,060 |
| Efficiency ratio | 73.3766% | 1,343 |
| Assets per employee ($millions) | 6.4179% | 2,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9853% | 3,553 |
| Loan loss allowance to noncurrent loans | 205.1074% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 0.4762% | 1,137 |
| Noncurrent loans to loans | 0.4804% | 1,598 |
| Net loans and leases to total assets | 79.1500% | 605 |
| Net loans and leases to deposits | 90.2468% | 879 |
| Net loans and leases to core deposits | 100.0470% | 810 |
| Total domestic deposits to total assets | 87.7100% | 2,517 |
| Equity capital to assets | 10.7155% | 1,285 |
| Core capital (leverage) ratio | 11.2318% | 1,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6156% | 1,255 |
| Memoranda: | ||
| Average total assets | $539,969,000 | 1,644 |
| Average earning assets | $505,994,500 | 1,629 |
| Average equity | $58,192,000 | 1,454 |
| Average total loans | $426,902,250 | 1,314 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6571% | 1,661 |
| Cost of funding earning assets | 0.4454% | 704 |
| Net interest margin | 3.2117% | 2,147 |
| Noninterest income to average assets | 0.5857% | 1,801 |
| Noninterest expense to average assets | 2.5961% | 1,649 |
| Loan and lease loss provision to assets | 0.1115% | 899 |
| Net operating income to assets | 0.7197% | 3,244 |
| Return on assets (ROA) | 0.7047% | 3,248 |
| Pretax return on assets | 0.8749% | 3,137 |
| Return on Equity (ROE) | 6.5262% | 3,442 |
| Retained earnings to average equity (ytd only) | 6.5262% | 2,166 |
| Net charge-offs to loans | 0.0260% | 1,197 |
| Credit loss provision to net charge-offs | 545.4545% | 606 |
| Earnings coverage of net charge-offs (x) | 49.1636% | 1,164 |
| Efficiency ratio | 72.0921% | 1,725 |
| Assets per employee ($millions) | 6.3338% | 2,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0752% | 3,258 |
| Loan loss allowance to noncurrent loans | 133.6533% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 0.6386% | 865 |
| Noncurrent loans to loans | 0.8045% | 1,069 |
| Net loans and leases to total assets | 78.5260% | 520 |
| Net loans and leases to deposits | 89.4861% | 749 |
| Net loans and leases to core deposits | 98.0527% | 757 |
| Total domestic deposits to total assets | 87.7521% | 2,673 |
| Equity capital to assets | 10.7613% | 1,332 |
| Core capital (leverage) ratio | 11.0251% | 1,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8143% | 1,218 |
| Memoranda: | ||
| Average total assets | $538,119,333 | 1,661 |
| Average earning assets | $505,207,667 | 1,644 |
| Average equity | $58,104,333 | 1,480 |
| Average total loans | $423,840,000 | 1,317 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5132% | 1,769 |
| Cost of funding earning assets | 0.4555% | 632 |
| Net interest margin | 3.0578% | 2,303 |
| Noninterest income to average assets | 0.6639% | 1,434 |
| Noninterest expense to average assets | 2.5294% | 1,805 |
| Loan and lease loss provision to assets | 0.1115% | 747 |
| Net operating income to assets | 0.7213% | 2,978 |
| Return on assets (ROA) | 0.7041% | 3,035 |
| Pretax return on assets | 0.8766% | 2,867 |
| Return on Equity (ROE) | 6.5099% | 3,191 |
| Retained earnings to average equity (ytd only) | 6.5099% | 2,071 |
| Net charge-offs to loans | 0.0474% | 819 |
| Credit loss provision to net charge-offs | 300.0000% | 662 |
| Earnings coverage of net charge-offs (x) | 27.1600% | 1,176 |
| Efficiency ratio | 71.4706% | 2,046 |
| Assets per employee ($millions) | 6.1360% | 2,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0614% | 3,491 |
| Loan loss allowance to noncurrent loans | 114.1318% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 0.7358% | 761 |
| Noncurrent loans to loans | 0.9300% | 977 |
| Net loans and leases to total assets | 76.8196% | 454 |
| Net loans and leases to deposits | 87.6141% | 639 |
| Net loans and leases to core deposits | 96.0025% | 658 |
| Total domestic deposits to total assets | 87.6795% | 2,677 |
| Equity capital to assets | 10.7393% | 1,473 |
| Core capital (leverage) ratio | 11.0424% | 1,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7584% | 1,325 |
| Memoranda: | ||
| Average total assets | $537,993,000 | 1,670 |
| Average earning assets | $505,857,000 | 1,655 |
| Average equity | $58,188,500 | 1,522 |
| Average total loans | $422,081,500 | 1,320 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7539% | 1,974 |
| Cost of funding earning assets | 0.6232% | 487 |
| Net interest margin | 3.1307% | 2,802 |
| Noninterest income to average assets | 0.6199% | 2,075 |
| Noninterest expense to average assets | 2.5837% | 1,910 |
| Loan and lease loss provision to assets | 0.1144% | 1,098 |
| Net operating income to assets | 0.5612% | 3,958 |
| Return on assets (ROA) | 0.5585% | 4,011 |
| Pretax return on assets | 0.8628% | 3,590 |
| Return on Equity (ROE) | 5.1666% | 3,960 |
| Retained earnings to average equity (ytd only) | 5.1666% | 2,720 |
| Net charge-offs to loans | 0.0130% | 2,079 |
| Credit loss provision to net charge-offs | 1,132.0755% | 486 |
| Earnings coverage of net charge-offs (x) | 97.0377% | 895 |
| Efficiency ratio | 72.4885% | 1,456 |
| Assets per employee ($millions) | 6.3061% | 2,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0237% | 3,648 |
| Loan loss allowance to noncurrent loans | 117.5041% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 0.7059% | 893 |
| Noncurrent loans to loans | 0.8712% | 1,169 |
| Net loans and leases to total assets | 78.4603% | 351 |
| Net loans and leases to deposits | 89.9726% | 571 |
| Net loans and leases to core deposits | 98.7397% | 586 |
| Total domestic deposits to total assets | 87.2047% | 2,433 |
| Equity capital to assets | 10.8930% | 1,864 |
| Core capital (leverage) ratio | 10.8304% | 1,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3590% | 1,422 |
| Memoranda: | ||
| Average total assets | $524,475,600 | 1,638 |
| Average earning assets | $493,270,000 | 1,624 |
| Average equity | $56,691,600 | 1,592 |
| Average total loans | $407,769,400 | 1,354 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8106% | 1,994 |
| Cost of funding earning assets | 0.6593% | 479 |
| Net interest margin | 3.1514% | 2,890 |
| Noninterest income to average assets | 0.6345% | 2,074 |
| Noninterest expense to average assets | 2.5163% | 2,072 |
| Loan and lease loss provision to assets | 0.1150% | 1,045 |
| Net operating income to assets | 0.7688% | 3,599 |
| Return on assets (ROA) | 0.7664% | 3,669 |
| Pretax return on assets | 0.9632% | 3,557 |
| Return on Equity (ROE) | 7.1040% | 3,643 |
| Retained earnings to average equity (ytd only) | 7.1040% | 2,376 |
| Net charge-offs to loans | 0.0132% | 1,839 |
| Credit loss provision to net charge-offs | 1,125.0000% | 480 |
| Earnings coverage of net charge-offs (x) | 105.7500% | 848 |
| Efficiency ratio | 69.9446% | 1,606 |
| Assets per employee ($millions) | 6.3182% | 2,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0380% | 3,716 |
| Loan loss allowance to noncurrent loans | 106.9832% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 0.7452% | 981 |
| Noncurrent loans to loans | 0.9703% | 1,183 |
| Net loans and leases to total assets | 74.7909% | 630 |
| Net loans and leases to deposits | 85.6887% | 845 |
| Net loans and leases to core deposits | 96.9570% | 703 |
| Total domestic deposits to total assets | 87.2820% | 2,226 |
| Equity capital to assets | 10.7755% | 2,189 |
| Core capital (leverage) ratio | 10.8699% | 1,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6025% | 1,453 |
| Memoranda: | ||
| Average total assets | $521,590,500 | 1,658 |
| Average earning assets | $490,443,500 | 1,646 |
| Average equity | $56,267,500 | 1,615 |
| Average total loans | $403,484,250 | 1,392 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8145% | 2,030 |
| Cost of funding earning assets | 0.7034% | 461 |
| Net interest margin | 3.1111% | 3,002 |
| Noninterest income to average assets | 0.6003% | 2,217 |
| Noninterest expense to average assets | 2.5490% | 2,002 |
| Loan and lease loss provision to assets | 0.1162% | 1,087 |
| Net operating income to assets | 0.6859% | 3,793 |
| Return on assets (ROA) | 0.6831% | 3,867 |
| Pretax return on assets | 0.8624% | 3,741 |
| Return on Equity (ROE) | 6.3301% | 3,825 |
| Retained earnings to average equity (ytd only) | 6.3301% | 2,679 |
| Net charge-offs to loans | 0.0104% | 1,764 |
| Credit loss provision to net charge-offs | 1,428.5714% | 374 |
| Earnings coverage of net charge-offs (x) | 120.7619% | 666 |
| Efficiency ratio | 72.1869% | 1,419 |
| Assets per employee ($millions) | 6.1283% | 2,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0082% | 3,794 |
| Loan loss allowance to noncurrent loans | 85.0594% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 0.9157% | 843 |
| Noncurrent loans to loans | 1.1853% | 1,016 |
| Net loans and leases to total assets | 75.1738% | 659 |
| Net loans and leases to deposits | 86.2143% | 902 |
| Net loans and leases to core deposits | 97.7718% | 732 |
| Total domestic deposits to total assets | 87.1941% | 2,221 |
| Equity capital to assets | 10.6229% | 2,286 |
| Core capital (leverage) ratio | 10.6719% | 1,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3425% | 1,519 |
| Memoranda: | ||
| Average total assets | $516,439,333 | 1,661 |
| Average earning assets | $486,513,000 | 1,647 |
| Average equity | $55,733,667 | 1,621 |
| Average total loans | $402,688,000 | 1,400 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8346% | 1,996 |
| Cost of funding earning assets | 0.7416% | 466 |
| Net interest margin | 3.0930% | 3,010 |
| Noninterest income to average assets | 0.5763% | 2,307 |
| Noninterest expense to average assets | 2.5696% | 1,959 |
| Loan and lease loss provision to assets | 0.1181% | 1,157 |
| Net operating income to assets | 0.6327% | 3,858 |
| Return on assets (ROA) | 0.6259% | 3,944 |
| Pretax return on assets | 0.8022% | 3,809 |
| Return on Equity (ROE) | 5.7515% | 3,930 |
| Retained earnings to average equity (ytd only) | 5.7515% | 2,985 |
| Net charge-offs to loans | 0.0020% | 1,851 |
| Credit loss provision to net charge-offs | 7,500.0000% | 81 |
| Earnings coverage of net charge-offs (x) | 590.0000% | 168 |
| Efficiency ratio | 73.4473% | 1,355 |
| Assets per employee ($millions) | 6.2943% | 2,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9791% | 3,923 |
| Loan loss allowance to noncurrent loans | 99.7727% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 0.7739% | 1,176 |
| Noncurrent loans to loans | 0.9813% | 1,376 |
| Net loans and leases to total assets | 76.4874% | 590 |
| Net loans and leases to deposits | 87.7740% | 845 |
| Net loans and leases to core deposits | 100.1213% | 709 |
| Total domestic deposits to total assets | 87.1412% | 2,258 |
| Equity capital to assets | 10.6531% | 2,128 |
| Core capital (leverage) ratio | 10.9755% | 1,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3821% | 1,447 |
| Memoranda: | ||
| Average total assets | $508,085,500 | 1,666 |
| Average earning assets | $480,050,000 | 1,647 |
| Average equity | $55,289,500 | 1,625 |
| Average total loans | $401,599,500 | 1,406 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3984% | 1,596 |
| Cost of funding earning assets | 1.0187% | 555 |
| Net interest margin | 3.3796% | 2,835 |
| Noninterest income to average assets | 0.5592% | 2,376 |
| Noninterest expense to average assets | 2.7811% | 1,993 |
| Loan and lease loss provision to assets | 0.1268% | 2,774 |
| Net operating income to assets | 0.6249% | 3,669 |
| Return on assets (ROA) | 0.6317% | 3,775 |
| Pretax return on assets | 0.8403% | 3,529 |
| Return on Equity (ROE) | 5.6028% | 3,706 |
| Retained earnings to average equity (ytd only) | 5.6028% | 1,993 |
| Net charge-offs to loans | 0.0178% | 2,733 |
| Credit loss provision to net charge-offs | 857.1429% | 859 |
| Earnings coverage of net charge-offs (x) | 64.7857% | 1,029 |
| Efficiency ratio | 74.3698% | 1,399 |
| Assets per employee ($millions) | 5.8779% | 2,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9513% | 4,034 |
| Loan loss allowance to noncurrent loans | 137.5045% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 0.5600% | 1,888 |
| Noncurrent loans to loans | 0.6918% | 1,958 |
| Net loans and leases to total assets | 80.1742% | 411 |
| Net loans and leases to deposits | 93.8953% | 661 |
| Net loans and leases to core deposits | 104.7610% | 696 |
| Total domestic deposits to total assets | 85.3869% | 2,620 |
| Equity capital to assets | 11.1241% | 2,158 |
| Core capital (leverage) ratio | 11.1164% | 1,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7217% | 1,334 |
| Memoranda: | ||
| Average total assets | $473,161,800 | 1,632 |
| Average earning assets | $445,256,000 | 1,605 |
| Average equity | $53,348,200 | 1,595 |
| Average total loans | $393,117,800 | 1,381 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4742% | 1,640 |
| Cost of funding earning assets | 1.0669% | 607 |
| Net interest margin | 3.4073% | 2,892 |
| Noninterest income to average assets | 0.5125% | 2,553 |
| Noninterest expense to average assets | 2.8258% | 1,898 |
| Loan and lease loss provision to assets | 0.1282% | 2,745 |
| Net operating income to assets | 0.5974% | 3,776 |
| Return on assets (ROA) | 0.6071% | 3,840 |
| Pretax return on assets | 0.7743% | 3,718 |
| Return on Equity (ROE) | 5.3655% | 3,764 |
| Retained earnings to average equity (ytd only) | 5.3655% | 2,396 |
| Net charge-offs to loans | 0.0095% | 2,767 |
| Credit loss provision to net charge-offs | 1,607.1429% | 584 |
| Earnings coverage of net charge-offs (x) | 111.6071% | 734 |
| Efficiency ratio | 76.0426% | 1,200 |
| Assets per employee ($millions) | 5.7423% | 2,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9025% | 4,064 |
| Loan loss allowance to noncurrent loans | 122.4801% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 0.6179% | 1,883 |
| Noncurrent loans to loans | 0.7368% | 1,968 |
| Net loans and leases to total assets | 83.1040% | 350 |
| Net loans and leases to deposits | 97.5028% | 657 |
| Net loans and leases to core deposits | 108.3639% | 756 |
| Total domestic deposits to total assets | 85.2325% | 2,349 |
| Equity capital to assets | 11.0840% | 2,339 |
| Core capital (leverage) ratio | 11.0982% | 1,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1188% | 1,472 |
| Memoranda: | ||
| Average total assets | $468,017,000 | 1,629 |
| Average earning assets | $440,023,500 | 1,605 |
| Average equity | $52,954,250 | 1,596 |
| Average total loans | $391,483,500 | 1,380 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6114% | 1,620 |
| Cost of funding earning assets | 1.1240% | 661 |
| Net interest margin | 3.4874% | 2,830 |
| Noninterest income to average assets | 0.4708% | 2,707 |
| Noninterest expense to average assets | 2.8154% | 2,064 |
| Loan and lease loss provision to assets | 0.1301% | 2,718 |
| Net operating income to assets | 0.6274% | 3,648 |
| Return on assets (ROA) | 0.6325% | 3,715 |
| Pretax return on assets | 0.8085% | 3,561 |
| Return on Equity (ROE) | 5.5505% | 3,653 |
| Retained earnings to average equity (ytd only) | 5.5505% | 2,258 |
| Net charge-offs to loans | 0.0617% | 1,629 |
| Credit loss provision to net charge-offs | 252.1008% | 1,744 |
| Earnings coverage of net charge-offs (x) | 18.0672% | 1,784 |
| Efficiency ratio | 75.1273% | 1,354 |
| Assets per employee ($millions) | 5.7923% | 2,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8660% | 4,135 |
| Loan loss allowance to noncurrent loans | 77.4563% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 0.9315% | 1,319 |
| Noncurrent loans to loans | 1.1181% | 1,408 |
| Net loans and leases to total assets | 81.2398% | 475 |
| Net loans and leases to deposits | 97.5901% | 685 |
| Net loans and leases to core deposits | 108.6566% | 786 |
| Total domestic deposits to total assets | 83.2459% | 3,015 |
| Equity capital to assets | 10.9859% | 2,357 |
| Core capital (leverage) ratio | 10.9669% | 1,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3342% | 1,404 |
| Memoranda: | ||
| Average total assets | $461,323,000 | 1,624 |
| Average earning assets | $433,446,333 | 1,600 |
| Average equity | $52,572,000 | 1,589 |
| Average total loans | $385,536,667 | 1,374 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7560% | 1,542 |
| Cost of funding earning assets | 1.1900% | 799 |
| Net interest margin | 3.5661% | 2,781 |
| Noninterest income to average assets | 0.5420% | 2,321 |
| Noninterest expense to average assets | 2.9480% | 2,015 |
| Loan and lease loss provision to assets | 0.1337% | 2,057 |
| Net operating income to assets | 0.6319% | 3,508 |
| Return on assets (ROA) | 0.6383% | 3,544 |
| Pretax return on assets | 0.8130% | 3,378 |
| Return on Equity (ROE) | 5.4937% | 3,477 |
| Retained earnings to average equity (ytd only) | 5.4937% | 2,072 |
| Net charge-offs to loans | 0.0148% | 2,075 |
| Credit loss provision to net charge-offs | 1,071.4286% | 543 |
| Earnings coverage of net charge-offs (x) | 75.2143% | 696 |
| Efficiency ratio | 75.8486% | 1,580 |
| Assets per employee ($millions) | 5.3007% | 2,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8833% | 4,173 |
| Loan loss allowance to noncurrent loans | 97.4828% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 0.7924% | 1,709 |
| Noncurrent loans to loans | 0.9061% | 1,801 |
| Net loans and leases to total assets | 84.8805% | 210 |
| Net loans and leases to deposits | 103.3379% | 394 |
| Net loans and leases to core deposits | 115.8441% | 593 |
| Total domestic deposits to total assets | 82.1388% | 3,375 |
| Equity capital to assets | 11.6744% | 2,306 |
| Core capital (leverage) ratio | 11.7627% | 1,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1727% | 1,307 |
| Memoranda: | ||
| Average total assets | $448,709,000 | 1,616 |
| Average earning assets | $420,856,000 | 1,599 |
| Average equity | $52,132,000 | 1,596 |
| Average total loans | $378,942,000 | 1,358 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7657% | 2,143 |
| Cost of funding earning assets | 1.2065% | 1,013 |
| Net interest margin | 3.5592% | 3,254 |
| Noninterest income to average assets | 0.5685% | 2,380 |
| Noninterest expense to average assets | 2.7404% | 2,772 |
| Loan and lease loss provision to assets | 0.1082% | 1,919 |
| Net operating income to assets | 0.7975% | 3,564 |
| Return on assets (ROA) | 0.8040% | 3,627 |
| Pretax return on assets | 1.0644% | 3,287 |
| Return on Equity (ROE) | 7.1530% | 3,496 |
| Retained earnings to average equity (ytd only) | 7.1530% | 1,329 |
| Net charge-offs to loans | 0.0727% | 2,059 |
| Credit loss provision to net charge-offs | 177.7778% | 1,464 |
| Earnings coverage of net charge-offs (x) | 19.1259% | 2,017 |
| Efficiency ratio | 70.1779% | 2,138 |
| Assets per employee ($millions) | 5.2572% | 2,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8792% | 4,054 |
| Loan loss allowance to noncurrent loans | 91.7274% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 1.1397% | 1,048 |
| Noncurrent loans to loans | 0.9585% | 1,596 |
| Net loans and leases to total assets | 82.5245% | 486 |
| Net loans and leases to deposits | 100.7775% | 539 |
| Net loans and leases to core deposits | 113.5201% | 693 |
| Total domestic deposits to total assets | 81.8878% | 3,535 |
| Equity capital to assets | 11.5616% | 2,480 |
| Core capital (leverage) ratio | 11.5605% | 2,067 |
| Tier 1 risk-based capital ratio | 16.4285% | 2,244 |
| Total risk-based capital ratio | 17.4698% | 2,269 |
| Memoranda: | ||
| Average total assets | $443,434,200 | 1,585 |
| Average earning assets | $415,679,200 | 1,565 |
| Average equity | $49,839,200 | 1,609 |
| Average total loans | $371,213,600 | 1,352 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7627% | 2,241 |
| Cost of funding earning assets | 1.1961% | 1,050 |
| Net interest margin | 3.5666% | 3,344 |
| Noninterest income to average assets | 0.5498% | 2,461 |
| Noninterest expense to average assets | 2.7246% | 2,794 |
| Loan and lease loss provision to assets | 0.1085% | 1,792 |
| Net operating income to assets | 0.8369% | 3,556 |
| Return on assets (ROA) | 0.8369% | 3,638 |
| Pretax return on assets | 1.0601% | 3,410 |
| Return on Equity (ROE) | 7.5004% | 3,504 |
| Retained earnings to average equity (ytd only) | 7.5004% | 1,622 |
| Net charge-offs to loans | 0.0377% | 2,333 |
| Credit loss provision to net charge-offs | 342.8571% | 873 |
| Earnings coverage of net charge-offs (x) | 36.9419% | 1,436 |
| Efficiency ratio | 69.9837% | 2,116 |
| Assets per employee ($millions) | 5.2670% | 2,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8856% | 4,107 |
| Loan loss allowance to noncurrent loans | 90.6259% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 1.7038% | 602 |
| Noncurrent loans to loans | 0.9772% | 1,637 |
| Net loans and leases to total assets | 82.8963% | 466 |
| Net loans and leases to deposits | 101.3518% | 538 |
| Net loans and leases to core deposits | 113.8692% | 762 |
| Total domestic deposits to total assets | 81.7907% | 3,533 |
| Equity capital to assets | 11.3681% | 2,778 |
| Core capital (leverage) ratio | 11.3844% | 2,316 |
| Tier 1 risk-based capital ratio | 15.9363% | 2,464 |
| Total risk-based capital ratio | 16.9757% | 2,484 |
| Memoranda: | ||
| Average total assets | $442,577,750 | 1,587 |
| Average earning assets | $414,878,750 | 1,575 |
| Average equity | $49,383,000 | 1,624 |
| Average total loans | $371,007,000 | 1,366 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7565% | 2,204 |
| Cost of funding earning assets | 1.1678% | 1,083 |
| Net interest margin | 3.5887% | 3,295 |
| Noninterest income to average assets | 0.5421% | 2,423 |
| Noninterest expense to average assets | 2.7006% | 2,907 |
| Loan and lease loss provision to assets | 0.1089% | 1,717 |
| Net operating income to assets | 0.8978% | 3,293 |
| Return on assets (ROA) | 0.8978% | 3,360 |
| Pretax return on assets | 1.1051% | 3,221 |
| Return on Equity (ROE) | 8.0975% | 3,251 |
| Retained earnings to average equity (ytd only) | 8.0975% | 1,352 |
| Net charge-offs to loans | 0.0454% | 2,002 |
| Credit loss provision to net charge-offs | 285.7143% | 934 |
| Earnings coverage of net charge-offs (x) | 31.8571% | 1,418 |
| Efficiency ratio | 68.9883% | 2,380 |
| Assets per employee ($millions) | 5.3281% | 2,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8612% | 4,229 |
| Loan loss allowance to noncurrent loans | 92.6822% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 0.7755% | 1,798 |
| Noncurrent loans to loans | 0.9292% | 1,760 |
| Net loans and leases to total assets | 82.7438% | 510 |
| Net loans and leases to deposits | 102.9910% | 473 |
| Net loans and leases to core deposits | 115.3788% | 712 |
| Total domestic deposits to total assets | 80.3407% | 3,967 |
| Equity capital to assets | 11.1880% | 2,871 |
| Core capital (leverage) ratio | 11.3055% | 2,331 |
| Tier 1 risk-based capital ratio | 15.9526% | 2,436 |
| Total risk-based capital ratio | 16.9788% | 2,469 |
| Memoranda: | ||
| Average total assets | $440,870,670 | 1,591 |
| Average earning assets | $414,297,330 | 1,575 |
| Average equity | $48,879,000 | 1,630 |
| Average total loans | $369,862,000 | 1,373 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7333% | 2,100 |
| Cost of funding earning assets | 1.1242% | 1,110 |
| Net interest margin | 3.6091% | 3,219 |
| Noninterest income to average assets | 0.5339% | 2,368 |
| Noninterest expense to average assets | 2.7290% | 2,814 |
| Loan and lease loss provision to assets | 0.1097% | 1,626 |
| Net operating income to assets | 0.8594% | 3,407 |
| Return on assets (ROA) | 0.8594% | 3,454 |
| Pretax return on assets | 1.0852% | 3,191 |
| Return on Equity (ROE) | 7.7876% | 3,346 |
| Retained earnings to average equity (ytd only) | 7.7876% | 1,742 |
| Net charge-offs to loans | 0.0326% | 1,802 |
| Credit loss provision to net charge-offs | 400.0000% | 692 |
| Earnings coverage of net charge-offs (x) | 43.5667% | 1,102 |
| Efficiency ratio | 69.5480% | 2,415 |
| Assets per employee ($millions) | 5.1931% | 2,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8578% | 4,309 |
| Loan loss allowance to noncurrent loans | 91.3863% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 0.8056% | 1,757 |
| Noncurrent loans to loans | 0.9386% | 1,787 |
| Net loans and leases to total assets | 82.5083% | 525 |
| Net loans and leases to deposits | 102.8224% | 459 |
| Net loans and leases to core deposits | 114.9438% | 692 |
| Total domestic deposits to total assets | 80.2435% | 4,128 |
| Equity capital to assets | 11.0581% | 2,792 |
| Core capital (leverage) ratio | 11.2993% | 2,291 |
| Tier 1 risk-based capital ratio | 15.9382% | 2,464 |
| Total risk-based capital ratio | 16.9627% | 2,482 |
| Memoranda: | ||
| Average total assets | $437,526,000 | 1,605 |
| Average earning assets | $410,957,000 | 1,594 |
| Average equity | $48,282,000 | 1,627 |
| Average total loans | $368,020,500 | 1,381 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6396% | 2,022 |
| Cost of funding earning assets | 0.8220% | 1,428 |
| Net interest margin | 3.8175% | 2,602 |
| Noninterest income to average assets | 0.5777% | 2,408 |
| Noninterest expense to average assets | 2.9366% | 2,226 |
| Loan and lease loss provision to assets | 0.1004% | 2,180 |
| Net operating income to assets | 0.8988% | 3,441 |
| Return on assets (ROA) | 0.8788% | 3,495 |
| Pretax return on assets | 1.1023% | 3,262 |
| Return on Equity (ROE) | 7.9989% | 3,443 |
| Retained earnings to average equity (ytd only) | 7.9989% | 1,237 |
| Net charge-offs to loans | 0.0910% | 1,864 |
| Credit loss provision to net charge-offs | 131.2500% | 2,016 |
| Earnings coverage of net charge-offs (x) | 16.0469% | 2,280 |
| Efficiency ratio | 70.5156% | 2,105 |
| Assets per employee ($millions) | 5.0423% | 2,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8302% | 4,433 |
| Loan loss allowance to noncurrent loans | 92.8983% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 0.7599% | 1,839 |
| Noncurrent loans to loans | 0.8937% | 1,801 |
| Net loans and leases to total assets | 84.3159% | 388 |
| Net loans and leases to deposits | 105.2570% | 404 |
| Net loans and leases to core deposits | 116.4596% | 673 |
| Total domestic deposits to total assets | 80.1048% | 4,082 |
| Equity capital to assets | 11.0120% | 2,677 |
| Core capital (leverage) ratio | 11.2770% | 2,284 |
| Tier 1 risk-based capital ratio | 15.8327% | 2,479 |
| Total risk-based capital ratio | 16.8404% | 2,501 |
| Memoranda: | ||
| Average total assets | $418,207,600 | 1,638 |
| Average earning assets | $392,924,800 | 1,613 |
| Average equity | $45,944,000 | 1,638 |
| Average total loans | $351,837,000 | 1,395 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6148% | 1,935 |
| Cost of funding earning assets | 0.7660% | 1,503 |
| Net interest margin | 3.8487% | 2,472 |
| Noninterest income to average assets | 0.5686% | 2,480 |
| Noninterest expense to average assets | 2.8413% | 2,496 |
| Loan and lease loss provision to assets | 0.0965% | 2,049 |
| Net operating income to assets | 0.9882% | 3,138 |
| Return on assets (ROA) | 0.9615% | 3,272 |
| Pretax return on assets | 1.2134% | 2,939 |
| Return on Equity (ROE) | 8.7574% | 3,213 |
| Retained earnings to average equity (ytd only) | 8.7574% | 1,324 |
| Net charge-offs to loans | 0.1177% | 1,333 |
| Credit loss provision to net charge-offs | 97.7199% | 2,324 |
| Earnings coverage of net charge-offs (x) | 13.6027% | 2,343 |
| Efficiency ratio | 67.8917% | 2,556 |
| Assets per employee ($millions) | 5.0631% | 2,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8235% | 4,543 |
| Loan loss allowance to noncurrent loans | 80.6443% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 0.8657% | 1,704 |
| Noncurrent loans to loans | 1.0211% | 1,683 |
| Net loans and leases to total assets | 83.6530% | 493 |
| Net loans and leases to deposits | 102.9570% | 606 |
| Net loans and leases to core deposits | 114.1306% | 810 |
| Total domestic deposits to total assets | 81.2504% | 3,802 |
| Equity capital to assets | 11.0411% | 2,624 |
| Core capital (leverage) ratio | 11.1610% | 2,442 |
| Tier 1 risk-based capital ratio | 16.0439% | 2,435 |
| Total risk-based capital ratio | 17.0433% | 2,463 |
| Memoranda: | ||
| Average total assets | $414,350,250 | 1,658 |
| Average earning assets | $389,350,250 | 1,631 |
| Average equity | $45,492,000 | 1,652 |
| Average total loans | $347,624,750 | 1,417 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5877% | 1,816 |
| Cost of funding earning assets | 0.6930% | 1,659 |
| Net interest margin | 3.8947% | 2,218 |
| Noninterest income to average assets | 0.5590% | 2,525 |
| Noninterest expense to average assets | 2.8951% | 2,368 |
| Loan and lease loss provision to assets | 0.0877% | 2,165 |
| Net operating income to assets | 0.9793% | 3,107 |
| Return on assets (ROA) | 0.9389% | 3,285 |
| Pretax return on assets | 1.1843% | 2,996 |
| Return on Equity (ROE) | 8.5683% | 3,221 |
| Retained earnings to average equity (ytd only) | 8.5683% | 1,366 |
| Net charge-offs to loans | 0.1541% | 1,004 |
| Credit loss provision to net charge-offs | 67.9245% | 2,371 |
| Earnings coverage of net charge-offs (x) | 10.2528% | 2,341 |
| Efficiency ratio | 68.6331% | 2,538 |
| Assets per employee ($millions) | 5.1763% | 2,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8024% | 4,686 |
| Loan loss allowance to noncurrent loans | 83.4397% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 0.8123% | 1,841 |
| Noncurrent loans to loans | 0.9616% | 1,804 |
| Net loans and leases to total assets | 83.7951% | 478 |
| Net loans and leases to deposits | 105.2523% | 473 |
| Net loans and leases to core deposits | 117.0118% | 666 |
| Total domestic deposits to total assets | 79.6136% | 4,328 |
| Equity capital to assets | 10.8277% | 2,809 |
| Core capital (leverage) ratio | 11.2788% | 2,277 |
| Tier 1 risk-based capital ratio | 15.5938% | 2,588 |
| Total risk-based capital ratio | 16.5617% | 2,656 |
| Memoranda: | ||
| Average total assets | $410,700,330 | 1,675 |
| Average earning assets | $385,859,330 | 1,655 |
| Average equity | $45,003,330 | 1,673 |
| Average total loans | $343,923,000 | 1,431 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6035% | 1,557 |
| Cost of funding earning assets | 0.6709% | 1,596 |
| Net interest margin | 3.9326% | 1,919 |
| Noninterest income to average assets | 0.5626% | 2,461 |
| Noninterest expense to average assets | 2.9508% | 2,199 |
| Loan and lease loss provision to assets | 0.0891% | 2,021 |
| Net operating income to assets | 0.9628% | 3,020 |
| Return on assets (ROA) | 0.8806% | 3,385 |
| Pretax return on assets | 1.1114% | 3,133 |
| Return on Equity (ROE) | 7.9864% | 3,373 |
| Retained earnings to average equity (ytd only) | 7.9864% | 1,840 |
| Net charge-offs to loans | 0.3280% | 467 |
| Credit loss provision to net charge-offs | 32.6087% | 2,050 |
| Earnings coverage of net charge-offs (x) | 4.7717% | 2,273 |
| Efficiency ratio | 69.3436% | 2,609 |
| Assets per employee ($millions) | 4.8354% | 2,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8164% | 4,742 |
| Loan loss allowance to noncurrent loans | 85.0230% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 0.8169% | 1,942 |
| Noncurrent loans to loans | 0.9602% | 1,901 |
| Net loans and leases to total assets | 83.0287% | 534 |
| Net loans and leases to deposits | 100.9546% | 642 |
| Net loans and leases to core deposits | 112.0015% | 893 |
| Total domestic deposits to total assets | 82.2436% | 3,885 |
| Equity capital to assets | 11.0625% | 2,522 |
| Core capital (leverage) ratio | 11.2557% | 2,205 |
| Tier 1 risk-based capital ratio | 16.0570% | 2,444 |
| Total risk-based capital ratio | 17.0404% | 2,507 |
| Memoranda: | ||
| Average total assets | $403,821,000 | 1,717 |
| Average earning assets | $379,186,000 | 1,701 |
| Average equity | $44,525,500 | 1,694 |
| Average total loans | $336,608,000 | 1,462 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3936% | 2,045 |
| Cost of funding earning assets | 0.6263% | 1,428 |
| Net interest margin | 3.7673% | 2,539 |
| Noninterest income to average assets | 0.6366% | 2,263 |
| Noninterest expense to average assets | 3.1132% | 1,824 |
| Loan and lease loss provision to assets | 0.0924% | 2,355 |
| Net operating income to assets | 0.3812% | 4,751 |
| Return on assets (ROA) | 0.3743% | 4,787 |
| Pretax return on assets | 0.9267% | 3,824 |
| Return on Equity (ROE) | 3.3383% | 4,732 |
| Retained earnings to average equity (ytd only) | 3.3383% | 3,300 |
| Net charge-offs to loans | -0.0705% | 5,279 |
| Credit loss provision to net charge-offs | -160.7143% | 4,765 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1425% | 1,749 |
| Assets per employee ($millions) | 4.7794% | 2,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8890% | 4,530 |
| Loan loss allowance to noncurrent loans | 85.4095% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 0.8770% | 1,779 |
| Noncurrent loans to loans | 1.0408% | 1,712 |
| Net loans and leases to total assets | 82.2573% | 646 |
| Net loans and leases to deposits | 98.1020% | 895 |
| Net loans and leases to core deposits | 109.3095% | 1,047 |
| Total domestic deposits to total assets | 83.8487% | 3,259 |
| Equity capital to assets | 10.9892% | 2,633 |
| Core capital (leverage) ratio | 11.1664% | 2,182 |
| Tier 1 risk-based capital ratio | 15.6594% | 2,562 |
| Total risk-based capital ratio | 16.7095% | 2,574 |
| Memoranda: | ||
| Average total assets | $389,570,000 | 1,753 |
| Average earning assets | $362,596,200 | 1,744 |
| Average equity | $43,674,800 | 1,702 |
| Average total loans | $317,583,000 | 1,494 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3231% | 2,202 |
| Cost of funding earning assets | 0.6282% | 1,365 |
| Net interest margin | 3.6949% | 2,776 |
| Noninterest income to average assets | 0.5497% | 2,730 |
| Noninterest expense to average assets | 3.0943% | 1,818 |
| Loan and lease loss provision to assets | 0.0931% | 2,224 |
| Net operating income to assets | 0.5389% | 4,620 |
| Return on assets (ROA) | 0.5290% | 4,687 |
| Pretax return on assets | 0.7798% | 4,403 |
| Return on Equity (ROE) | 4.6949% | 4,638 |
| Retained earnings to average equity (ytd only) | 4.6949% | 3,081 |
| Net charge-offs to loans | -0.0944% | 5,365 |
| Credit loss provision to net charge-offs | -121.6216% | 4,539 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7133% | 1,365 |
| Assets per employee ($millions) | 4.6457% | 2,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9169% | 4,481 |
| Loan loss allowance to noncurrent loans | 81.9298% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 0.9112% | 1,874 |
| Noncurrent loans to loans | 1.1191% | 1,718 |
| Net loans and leases to total assets | 79.4770% | 1,058 |
| Net loans and leases to deposits | 92.8107% | 1,443 |
| Net loans and leases to core deposits | 102.6732% | 1,491 |
| Total domestic deposits to total assets | 85.6335% | 2,465 |
| Equity capital to assets | 11.3553% | 2,517 |
| Core capital (leverage) ratio | 11.4451% | 2,060 |
| Tier 1 risk-based capital ratio | 16.4017% | 2,351 |
| Total risk-based capital ratio | 17.4622% | 2,361 |
| Memoranda: | ||
| Average total assets | $386,595,750 | 1,773 |
| Average earning assets | $359,085,250 | 1,769 |
| Average equity | $43,564,000 | 1,720 |
| Average total loans | $313,679,250 | 1,518 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3648% | 1,928 |
| Cost of funding earning assets | 0.6285% | 1,278 |
| Net interest margin | 3.7364% | 2,527 |
| Noninterest income to average assets | 0.5501% | 2,717 |
| Noninterest expense to average assets | 3.1403% | 1,733 |
| Loan and lease loss provision to assets | 0.0934% | 2,123 |
| Net operating income to assets | 0.5390% | 4,578 |
| Return on assets (ROA) | 0.5242% | 4,665 |
| Pretax return on assets | 0.7717% | 4,366 |
| Return on Equity (ROE) | 4.6636% | 4,613 |
| Retained earnings to average equity (ytd only) | 4.6636% | 2,936 |
| Net charge-offs to loans | 0.0319% | 2,565 |
| Credit loss provision to net charge-offs | 360.0000% | 848 |
| Earnings coverage of net charge-offs (x) | 34.1800% | 1,373 |
| Efficiency ratio | 77.9768% | 1,466 |
| Assets per employee ($millions) | 4.6837% | 2,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7883% | 4,979 |
| Loan loss allowance to noncurrent loans | 69.6280% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 0.9425% | 1,864 |
| Noncurrent loans to loans | 1.1321% | 1,731 |
| Net loans and leases to total assets | 81.1998% | 789 |
| Net loans and leases to deposits | 94.8771% | 1,189 |
| Net loans and leases to core deposits | 105.0572% | 1,289 |
| Total domestic deposits to total assets | 85.5841% | 2,580 |
| Equity capital to assets | 11.2719% | 2,523 |
| Core capital (leverage) ratio | 11.4331% | 2,018 |
| Tier 1 risk-based capital ratio | 15.8973% | 2,545 |
| Total risk-based capital ratio | 16.8052% | 2,614 |
| Memoranda: | ||
| Average total assets | $385,381,000 | 1,781 |
| Average earning assets | $358,638,000 | 1,772 |
| Average equity | $43,314,330 | 1,726 |
| Average total loans | $313,898,670 | 1,515 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3813% | 1,711 |
| Cost of funding earning assets | 0.6411% | 1,126 |
| Net interest margin | 3.7402% | 2,354 |
| Noninterest income to average assets | 0.5546% | 2,635 |
| Noninterest expense to average assets | 3.1295% | 1,792 |
| Loan and lease loss provision to assets | 0.0938% | 1,975 |
| Net operating income to assets | 0.5500% | 4,380 |
| Return on assets (ROA) | 0.5202% | 4,547 |
| Pretax return on assets | 0.7662% | 4,226 |
| Return on Equity (ROE) | 4.6352% | 4,549 |
| Retained earnings to average equity (ytd only) | 4.6352% | 3,099 |
| Net charge-offs to loans | 0.0500% | 1,861 |
| Credit loss provision to net charge-offs | 230.7692% | 929 |
| Earnings coverage of net charge-offs (x) | 22.2308% | 1,423 |
| Efficiency ratio | 77.5911% | 1,689 |
| Assets per employee ($millions) | 4.6476% | 2,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7835% | 5,107 |
| Loan loss allowance to noncurrent loans | 70.0808% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 0.8985% | 2,065 |
| Noncurrent loans to loans | 1.1180% | 1,828 |
| Net loans and leases to total assets | 79.7363% | 872 |
| Net loans and leases to deposits | 95.7544% | 951 |
| Net loans and leases to core deposits | 106.8690% | 1,039 |
| Total domestic deposits to total assets | 83.2717% | 3,744 |
| Equity capital to assets | 11.2300% | 2,409 |
| Core capital (leverage) ratio | 11.3416% | 2,070 |
| Tier 1 risk-based capital ratio | 15.6325% | 2,701 |
| Total risk-based capital ratio | 16.5078% | 2,790 |
| Memoranda: | ||
| Average total assets | $383,699,000 | 1,800 |
| Average earning assets | $356,883,500 | 1,792 |
| Average equity | $43,062,000 | 1,736 |
| Average total loans | $311,764,000 | 1,523 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4271% | 1,755 |
| Cost of funding earning assets | 0.6410% | 1,097 |
| Net interest margin | 3.7861% | 2,368 |
| Noninterest income to average assets | 0.5241% | 3,070 |
| Noninterest expense to average assets | 3.1901% | 1,814 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5818% | 4,283 |
| Return on assets (ROA) | 0.5177% | 4,643 |
| Pretax return on assets | 0.7547% | 4,321 |
| Return on Equity (ROE) | 4.6425% | 4,593 |
| Retained earnings to average equity (ytd only) | 4.6425% | 2,595 |
| Net charge-offs to loans | 0.1352% | 1,891 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 7.9005% | 2,953 |
| Efficiency ratio | 79.0086% | 1,554 |
| Assets per employee ($millions) | 4.4377% | 3,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7585% | 5,216 |
| Loan loss allowance to noncurrent loans | 116.4545% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 0.5518% | 3,082 |
| Noncurrent loans to loans | 0.6513% | 2,905 |
| Net loans and leases to total assets | 81.5250% | 665 |
| Net loans and leases to deposits | 98.9062% | 746 |
| Net loans and leases to core deposits | 110.7246% | 850 |
| Total domestic deposits to total assets | 82.4266% | 3,956 |
| Equity capital to assets | 11.2157% | 2,404 |
| Core capital (leverage) ratio | 11.0703% | 2,284 |
| Tier 1 risk-based capital ratio | 15.8848% | 2,597 |
| Total risk-based capital ratio | 16.7658% | 2,671 |
| Memoranda: | ||
| Average total assets | $374,718,400 | 1,785 |
| Average earning assets | $347,748,000 | 1,791 |
| Average equity | $41,788,000 | 1,774 |
| Average total loans | $297,293,400 | 1,532 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4027% | 1,851 |
| Cost of funding earning assets | 0.6374% | 1,102 |
| Net interest margin | 3.7653% | 2,470 |
| Noninterest income to average assets | 0.5208% | 3,108 |
| Noninterest expense to average assets | 3.2161% | 1,739 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5429% | 4,526 |
| Return on assets (ROA) | 0.4583% | 4,923 |
| Pretax return on assets | 0.6728% | 4,684 |
| Return on Equity (ROE) | 4.1154% | 4,862 |
| Retained earnings to average equity (ytd only) | 4.1154% | 3,378 |
| Net charge-offs to loans | 0.1814% | 1,292 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 5.5889% | 3,109 |
| Efficiency ratio | 80.1372% | 1,423 |
| Assets per employee ($millions) | 4.4992% | 3,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7647% | 5,291 |
| Loan loss allowance to noncurrent loans | 93.1534% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 0.6632% | 2,913 |
| Noncurrent loans to loans | 0.8209% | 2,621 |
| Net loans and leases to total assets | 79.8560% | 911 |
| Net loans and leases to deposits | 97.0299% | 949 |
| Net loans and leases to core deposits | 107.4913% | 1,081 |
| Total domestic deposits to total assets | 82.3004% | 3,843 |
| Equity capital to assets | 10.9129% | 3,111 |
| Core capital (leverage) ratio | 10.9397% | 2,522 |
| Tier 1 risk-based capital ratio | 15.6444% | 2,771 |
| Total risk-based capital ratio | 16.5260% | 2,858 |
| Memoranda: | ||
| Average total assets | $372,986,750 | 1,798 |
| Average earning assets | $345,959,250 | 1,797 |
| Average equity | $41,534,000 | 1,795 |
| Average total loans | $293,238,250 | 1,552 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4213% | 1,766 |
| Cost of funding earning assets | 0.6312% | 1,136 |
| Net interest margin | 3.7901% | 2,360 |
| Noninterest income to average assets | 0.5294% | 3,010 |
| Noninterest expense to average assets | 3.2606% | 1,668 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5401% | 4,520 |
| Return on assets (ROA) | 0.4686% | 4,899 |
| Pretax return on assets | 0.6766% | 4,691 |
| Return on Equity (ROE) | 4.1788% | 4,846 |
| Retained earnings to average equity (ytd only) | 4.1788% | 3,245 |
| Net charge-offs to loans | 0.2820% | 841 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 3.5481% | 3,089 |
| Efficiency ratio | 80.6907% | 1,415 |
| Assets per employee ($millions) | 4.4716% | 3,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7840% | 5,317 |
| Loan loss allowance to noncurrent loans | 89.3529% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 0.6912% | 2,912 |
| Noncurrent loans to loans | 0.8774% | 2,543 |
| Net loans and leases to total assets | 78.1556% | 1,179 |
| Net loans and leases to deposits | 97.1943% | 948 |
| Net loans and leases to core deposits | 107.7131% | 1,051 |
| Total domestic deposits to total assets | 80.4116% | 4,448 |
| Equity capital to assets | 10.8813% | 3,193 |
| Core capital (leverage) ratio | 11.1613% | 2,272 |
| Tier 1 risk-based capital ratio | 15.7787% | 2,749 |
| Total risk-based capital ratio | 16.6755% | 2,824 |
| Memoranda: | ||
| Average total assets | $368,339,330 | 1,819 |
| Average earning assets | $341,255,670 | 1,825 |
| Average equity | $41,303,670 | 1,797 |
| Average total loans | $287,195,330 | 1,581 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5138% | 1,470 |
| Cost of funding earning assets | 0.6321% | 1,139 |
| Net interest margin | 3.8817% | 1,989 |
| Noninterest income to average assets | 0.5174% | 3,008 |
| Noninterest expense to average assets | 3.3279% | 1,536 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5314% | 4,497 |
| Return on assets (ROA) | 0.5019% | 4,722 |
| Pretax return on assets | 0.7395% | 4,392 |
| Return on Equity (ROE) | 4.4062% | 4,737 |
| Retained earnings to average equity (ytd only) | 4.4062% | 3,277 |
| Net charge-offs to loans | -0.0014% | 4,096 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9562% | 1,486 |
| Assets per employee ($millions) | 4.2127% | 3,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9912% | 4,661 |
| Loan loss allowance to noncurrent loans | 112.6367% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 0.6815% | 3,013 |
| Noncurrent loans to loans | 0.8800% | 2,648 |
| Net loans and leases to total assets | 76.6786% | 1,296 |
| Net loans and leases to deposits | 90.2859% | 1,546 |
| Net loans and leases to core deposits | 99.7508% | 1,501 |
| Total domestic deposits to total assets | 84.9286% | 3,155 |
| Equity capital to assets | 11.4005% | 2,532 |
| Core capital (leverage) ratio | 11.4613% | 2,003 |
| Tier 1 risk-based capital ratio | 16.7468% | 2,378 |
| Total risk-based capital ratio | 17.8786% | 2,376 |
| Memoranda: | ||
| Average total assets | $360,229,000 | 1,862 |
| Average earning assets | $333,465,500 | 1,865 |
| Average equity | $41,033,000 | 1,803 |
| Average total loans | $279,328,000 | 1,619 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4520% | 1,738 |
| Cost of funding earning assets | 0.6444% | 1,104 |
| Net interest margin | 3.8076% | 2,347 |
| Noninterest income to average assets | 0.5916% | 2,763 |
| Noninterest expense to average assets | 3.2601% | 1,813 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5718% | 4,415 |
| Return on assets (ROA) | 0.5785% | 4,479 |
| Pretax return on assets | 0.8488% | 4,028 |
| Return on Equity (ROE) | 5.1184% | 4,453 |
| Retained earnings to average equity (ytd only) | 5.1184% | 2,337 |
| Net charge-offs to loans | 0.1048% | 2,348 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 10.6570% | 2,666 |
| Efficiency ratio | 79.5355% | 1,740 |
| Assets per employee ($millions) | 4.1647% | 3,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9994% | 4,629 |
| Loan loss allowance to noncurrent loans | 112.3736% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 0.6930% | 2,970 |
| Noncurrent loans to loans | 0.8893% | 2,577 |
| Net loans and leases to total assets | 76.8625% | 1,275 |
| Net loans and leases to deposits | 90.3612% | 1,571 |
| Net loans and leases to core deposits | 99.6850% | 1,529 |
| Total domestic deposits to total assets | 85.0615% | 3,060 |
| Equity capital to assets | 11.3810% | 2,463 |
| Core capital (leverage) ratio | 11.3211% | 2,110 |
| Tier 1 risk-based capital ratio | 16.6016% | 2,425 |
| Total risk-based capital ratio | 17.7378% | 2,446 |
| Memoranda: | ||
| Average total assets | $351,925,800 | 1,858 |
| Average earning assets | $324,170,200 | 1,870 |
| Average equity | $39,778,200 | 1,808 |
| Average total loans | $264,428,800 | 1,648 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4337% | 1,799 |
| Cost of funding earning assets | 0.6466% | 1,114 |
| Net interest margin | 3.7872% | 2,431 |
| Noninterest income to average assets | 0.5975% | 2,759 |
| Noninterest expense to average assets | 3.2990% | 1,695 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5313% | 4,672 |
| Return on assets (ROA) | 0.5404% | 4,727 |
| Pretax return on assets | 0.7957% | 4,352 |
| Return on Equity (ROE) | 4.7893% | 4,719 |
| Retained earnings to average equity (ytd only) | 4.7893% | 3,061 |
| Net charge-offs to loans | 0.1456% | 1,671 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 7.2140% | 2,942 |
| Efficiency ratio | 80.8298% | 1,542 |
| Assets per employee ($millions) | 4.1370% | 3,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0363% | 4,547 |
| Loan loss allowance to noncurrent loans | 126.8192% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 0.6319% | 3,369 |
| Noncurrent loans to loans | 0.8172% | 2,925 |
| Net loans and leases to total assets | 74.3781% | 1,662 |
| Net loans and leases to deposits | 87.7650% | 1,935 |
| Net loans and leases to core deposits | 96.3011% | 1,854 |
| Total domestic deposits to total assets | 84.7469% | 3,113 |
| Equity capital to assets | 11.3200% | 2,682 |
| Core capital (leverage) ratio | 11.3176% | 2,176 |
| Tier 1 risk-based capital ratio | 16.8790% | 2,416 |
| Total risk-based capital ratio | 18.0448% | 2,402 |
| Memoranda: | ||
| Average total assets | $350,365,250 | 1,878 |
| Average earning assets | $322,308,500 | 1,887 |
| Average equity | $39,532,000 | 1,832 |
| Average total loans | $261,017,000 | 1,674 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4553% | 1,677 |
| Cost of funding earning assets | 0.6501% | 1,102 |
| Net interest margin | 3.8052% | 2,288 |
| Noninterest income to average assets | 0.5801% | 2,854 |
| Noninterest expense to average assets | 3.3130% | 1,663 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5214% | 4,678 |
| Return on assets (ROA) | 0.5187% | 4,794 |
| Pretax return on assets | 0.7591% | 4,458 |
| Return on Equity (ROE) | 4.6023% | 4,791 |
| Retained earnings to average equity (ytd only) | 4.6023% | 3,106 |
| Net charge-offs to loans | 0.2263% | 1,131 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 4.5392% | 3,027 |
| Efficiency ratio | 81.2782% | 1,588 |
| Assets per employee ($millions) | 4.0564% | 3,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0216% | 4,758 |
| Loan loss allowance to noncurrent loans | 121.5040% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 0.8051% | 2,973 |
| Noncurrent loans to loans | 0.8408% | 3,022 |
| Net loans and leases to total assets | 74.9900% | 1,504 |
| Net loans and leases to deposits | 90.4247% | 1,541 |
| Net loans and leases to core deposits | 99.2058% | 1,557 |
| Total domestic deposits to total assets | 82.9309% | 3,979 |
| Equity capital to assets | 11.1354% | 2,737 |
| Core capital (leverage) ratio | 11.2871% | 2,176 |
| Tier 1 risk-based capital ratio | 17.0187% | 2,396 |
| Total risk-based capital ratio | 18.2041% | 2,377 |
| Memoranda: | ||
| Average total assets | $348,561,000 | 1,906 |
| Average earning assets | $320,245,330 | 1,914 |
| Average equity | $39,284,670 | 1,850 |
| Average total loans | $258,892,000 | 1,692 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5055% | 1,444 |
| Cost of funding earning assets | 0.6543% | 1,089 |
| Net interest margin | 3.8511% | 2,061 |
| Noninterest income to average assets | 0.5866% | 2,726 |
| Noninterest expense to average assets | 3.3209% | 1,667 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5321% | 4,539 |
| Return on assets (ROA) | 0.5459% | 4,608 |
| Pretax return on assets | 0.8212% | 4,167 |
| Return on Equity (ROE) | 4.8140% | 4,622 |
| Retained earnings to average equity (ytd only) | 4.8140% | 3,169 |
| Net charge-offs to loans | 0.4867% | 514 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.2370% | 2,800 |
| Efficiency ratio | 80.5806% | 1,817 |
| Assets per employee ($millions) | 4.0121% | 3,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0876% | 4,581 |
| Loan loss allowance to noncurrent loans | 107.9764% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 0.9010% | 2,830 |
| Noncurrent loans to loans | 1.0072% | 2,747 |
| Net loans and leases to total assets | 71.6010% | 1,876 |
| Net loans and leases to deposits | 84.0225% | 2,072 |
| Net loans and leases to core deposits | 92.5494% | 1,903 |
| Total domestic deposits to total assets | 85.2165% | 3,300 |
| Equity capital to assets | 11.2686% | 2,685 |
| Core capital (leverage) ratio | 11.4015% | 2,080 |
| Tier 1 risk-based capital ratio | 17.8843% | 2,177 |
| Total risk-based capital ratio | 19.1300% | 2,132 |
| Memoranda: | ||
| Average total assets | $344,361,000 | 1,931 |
| Average earning assets | $316,061,500 | 1,954 |
| Average equity | $39,052,500 | 1,870 |
| Average total loans | $253,114,000 | 1,716 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5852% | 1,603 |
| Cost of funding earning assets | 0.6590% | 1,345 |
| Net interest margin | 3.9261% | 2,137 |
| Noninterest income to average assets | 0.5891% | 2,923 |
| Noninterest expense to average assets | 3.4837% | 1,517 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4997% | 4,810 |
| Return on assets (ROA) | 0.4784% | 4,989 |
| Pretax return on assets | 0.6877% | 4,666 |
| Return on Equity (ROE) | 4.2480% | 5,001 |
| Retained earnings to average equity (ytd only) | 4.2480% | 3,168 |
| Net charge-offs to loans | 0.1219% | 2,810 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 8.0940% | 2,929 |
| Efficiency ratio | 82.9106% | 1,544 |
| Assets per employee ($millions) | 3.9043% | 4,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2053% | 3,962 |
| Loan loss allowance to noncurrent loans | 99.2530% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 1.1208% | 2,510 |
| Noncurrent loans to loans | 1.2143% | 2,419 |
| Net loans and leases to total assets | 73.7478% | 1,630 |
| Net loans and leases to deposits | 85.5305% | 2,036 |
| Net loans and leases to core deposits | 94.0354% | 1,918 |
| Total domestic deposits to total assets | 86.2240% | 2,709 |
| Equity capital to assets | 11.4146% | 2,502 |
| Core capital (leverage) ratio | 11.4317% | 2,035 |
| Tier 1 risk-based capital ratio | 17.9218% | 2,165 |
| Total risk-based capital ratio | 19.1725% | 2,131 |
| Memoranda: | ||
| Average total assets | $335,911,800 | 1,933 |
| Average earning assets | $309,084,200 | 1,943 |
| Average equity | $37,829,400 | 1,866 |
| Average total loans | $244,476,000 | 1,722 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5706% | 1,641 |
| Cost of funding earning assets | 0.6623% | 1,377 |
| Net interest margin | 3.9084% | 2,200 |
| Noninterest income to average assets | 0.5970% | 2,895 |
| Noninterest expense to average assets | 3.5099% | 1,441 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4778% | 4,954 |
| Return on assets (ROA) | 0.4498% | 5,152 |
| Pretax return on assets | 0.6476% | 4,882 |
| Return on Equity (ROE) | 4.0077% | 5,169 |
| Retained earnings to average equity (ytd only) | 4.0077% | 3,799 |
| Net charge-offs to loans | 0.1574% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 6.0455% | 3,151 |
| Efficiency ratio | 83.6067% | 1,434 |
| Assets per employee ($millions) | 3.8165% | 4,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2404% | 4,019 |
| Loan loss allowance to noncurrent loans | 139.7086% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 0.8441% | 3,306 |
| Noncurrent loans to loans | 0.8879% | 3,351 |
| Net loans and leases to total assets | 71.9139% | 1,867 |
| Net loans and leases to deposits | 82.0568% | 2,414 |
| Net loans and leases to core deposits | 89.9142% | 2,233 |
| Total domestic deposits to total assets | 87.6392% | 1,960 |
| Equity capital to assets | 11.2595% | 2,695 |
| Core capital (leverage) ratio | 11.2854% | 2,225 |
| Tier 1 risk-based capital ratio | 17.9022% | 2,239 |
| Total risk-based capital ratio | 19.1543% | 2,204 |
| Memoranda: | ||
| Average total assets | $334,972,000 | 1,956 |
| Average earning assets | $308,630,000 | 1,959 |
| Average equity | $37,593,750 | 1,880 |
| Average total loans | $242,206,000 | 1,752 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5683% | 1,616 |
| Cost of funding earning assets | 0.6683% | 1,393 |
| Net interest margin | 3.9000% | 2,168 |
| Noninterest income to average assets | 0.5915% | 2,855 |
| Noninterest expense to average assets | 3.5704% | 1,351 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4442% | 5,039 |
| Return on assets (ROA) | 0.4001% | 5,298 |
| Pretax return on assets | 0.5585% | 5,102 |
| Return on Equity (ROE) | 3.5691% | 5,315 |
| Retained earnings to average equity (ytd only) | 3.5691% | 3,921 |
| Net charge-offs to loans | 0.2229% | 1,700 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 3.8545% | 3,206 |
| Efficiency ratio | 85.2112% | 1,357 |
| Assets per employee ($millions) | 3.7387% | 4,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2704% | 4,024 |
| Loan loss allowance to noncurrent loans | 109.6660% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 0.8517% | 3,414 |
| Noncurrent loans to loans | 1.1584% | 2,908 |
| Net loans and leases to total assets | 72.0765% | 1,733 |
| Net loans and leases to deposits | 82.2069% | 2,226 |
| Net loans and leases to core deposits | 90.0357% | 2,123 |
| Total domestic deposits to total assets | 87.6769% | 2,099 |
| Equity capital to assets | 11.3602% | 2,543 |
| Core capital (leverage) ratio | 11.3818% | 2,097 |
| Tier 1 risk-based capital ratio | 18.3216% | 2,125 |
| Total risk-based capital ratio | 19.5751% | 2,094 |
| Memoranda: | ||
| Average total assets | $333,406,000 | 1,960 |
| Average earning assets | $307,640,670 | 1,964 |
| Average equity | $37,376,670 | 1,882 |
| Average total loans | $240,495,330 | 1,756 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5778% | 1,562 |
| Cost of funding earning assets | 0.6745% | 1,408 |
| Net interest margin | 3.9032% | 2,076 |
| Noninterest income to average assets | 0.5369% | 3,134 |
| Noninterest expense to average assets | 3.7251% | 1,094 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2748% | 5,585 |
| Return on assets (ROA) | 0.1942% | 5,863 |
| Pretax return on assets | 0.2960% | 5,727 |
| Return on Equity (ROE) | 1.7436% | 5,857 |
| Retained earnings to average equity (ytd only) | 1.7436% | 4,913 |
| Net charge-offs to loans | 0.4915% | 748 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.1871% | 3,154 |
| Efficiency ratio | 89.9045% | 1,045 |
| Assets per employee ($millions) | 3.7776% | 4,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2779% | 4,235 |
| Loan loss allowance to noncurrent loans | 143.7970% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.6666% | 4,122 |
| Noncurrent loans to loans | 0.8887% | 3,658 |
| Net loans and leases to total assets | 70.3095% | 1,835 |
| Net loans and leases to deposits | 79.6333% | 2,345 |
| Net loans and leases to core deposits | 86.9431% | 2,204 |
| Total domestic deposits to total assets | 88.2915% | 2,061 |
| Equity capital to assets | 11.1029% | 2,624 |
| Core capital (leverage) ratio | 11.1122% | 2,289 |
| Tier 1 risk-based capital ratio | 18.0978% | 2,256 |
| Total risk-based capital ratio | 19.3505% | 2,226 |
| Memoranda: | ||
| Average total assets | $333,738,500 | 1,967 |
| Average earning assets | $308,361,000 | 1,962 |
| Average equity | $37,165,000 | 1,888 |
| Average total loans | $239,286,000 | 1,764 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7817% | 1,364 |
| Cost of funding earning assets | 0.7855% | 1,287 |
| Net interest margin | 3.9962% | 1,956 |
| Noninterest income to average assets | 0.6144% | 3,001 |
| Noninterest expense to average assets | 3.2797% | 2,194 |
| Loan and lease loss provision to assets | 0.0089% | 4,943 |
| Net operating income to assets | 0.6707% | 3,933 |
| Return on assets (ROA) | 0.6707% | 4,030 |
| Pretax return on assets | 1.0103% | 3,312 |
| Return on Equity (ROE) | 6.2578% | 3,940 |
| Retained earnings to average equity (ytd only) | 6.2578% | 1,817 |
| Net charge-offs to loans | 0.0707% | 4,219 |
| Credit loss provision to net charge-offs | 17.4419% | 4,489 |
| Earnings coverage of net charge-offs (x) | 19.8895% | 1,580 |
| Efficiency ratio | 76.2908% | 2,726 |
| Assets per employee ($millions) | 3.7221% | 4,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4026% | 3,643 |
| Loan loss allowance to noncurrent loans | 142.7842% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 0.8129% | 3,857 |
| Noncurrent loans to loans | 0.9823% | 3,555 |
| Net loans and leases to total assets | 71.1724% | 1,811 |
| Net loans and leases to deposits | 80.8155% | 2,343 |
| Net loans and leases to core deposits | 88.5103% | 2,190 |
| Total domestic deposits to total assets | 88.0677% | 2,138 |
| Equity capital to assets | 11.1695% | 2,460 |
| Core capital (leverage) ratio | 11.2021% | 2,192 |
| Tier 1 risk-based capital ratio | 18.3242% | 2,139 |
| Total risk-based capital ratio | 19.5749% | 2,099 |
| Memoranda: | ||
| Average total assets | $335,637,000 | 1,916 |
| Average earning assets | $309,470,200 | 1,912 |
| Average equity | $35,971,200 | 1,919 |
| Average total loans | $243,404,400 | 1,701 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8212% | 1,303 |
| Cost of funding earning assets | 0.8042% | 1,296 |
| Net interest margin | 4.0170% | 1,892 |
| Noninterest income to average assets | 0.6268% | 3,007 |
| Noninterest expense to average assets | 3.2845% | 2,107 |
| Loan and lease loss provision to assets | 0.0119% | 4,761 |
| Net operating income to assets | 0.6826% | 3,939 |
| Return on assets (ROA) | 0.6826% | 4,081 |
| Pretax return on assets | 1.0331% | 3,362 |
| Return on Equity (ROE) | 6.4362% | 3,958 |
| Retained earnings to average equity (ytd only) | 6.4362% | 2,169 |
| Net charge-offs to loans | 0.0933% | 3,633 |
| Credit loss provision to net charge-offs | 17.5439% | 4,108 |
| Earnings coverage of net charge-offs (x) | 15.4330% | 1,864 |
| Efficiency ratio | 75.8643% | 2,752 |
| Assets per employee ($millions) | 3.7757% | 4,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4060% | 3,870 |
| Loan loss allowance to noncurrent loans | 126.2702% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.8436% | 4,009 |
| Noncurrent loans to loans | 1.1135% | 3,574 |
| Net loans and leases to total assets | 70.8072% | 1,813 |
| Net loans and leases to deposits | 80.8290% | 2,288 |
| Net loans and leases to core deposits | 88.4990% | 2,130 |
| Total domestic deposits to total assets | 87.6013% | 2,359 |
| Equity capital to assets | 10.9815% | 2,772 |
| Core capital (leverage) ratio | 11.0188% | 2,465 |
| Tier 1 risk-based capital ratio | 18.1221% | 2,275 |
| Total risk-based capital ratio | 19.3779% | 2,241 |
| Memoranda: | ||
| Average total assets | $336,729,000 | 1,920 |
| Average earning assets | $310,372,500 | 1,921 |
| Average equity | $35,713,750 | 1,943 |
| Average total loans | $244,474,000 | 1,699 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8846% | 1,131 |
| Cost of funding earning assets | 0.8176% | 1,328 |
| Net interest margin | 4.0670% | 1,642 |
| Noninterest income to average assets | 0.6085% | 3,143 |
| Noninterest expense to average assets | 3.2849% | 2,115 |
| Loan and lease loss provision to assets | 0.0177% | 4,542 |
| Net operating income to assets | 0.7019% | 3,796 |
| Return on assets (ROA) | 0.7019% | 3,968 |
| Pretax return on assets | 1.0561% | 3,273 |
| Return on Equity (ROE) | 6.6956% | 3,774 |
| Retained earnings to average equity (ytd only) | 6.6956% | 2,040 |
| Net charge-offs to loans | 0.1347% | 3,025 |
| Credit loss provision to net charge-offs | 18.0723% | 3,764 |
| Earnings coverage of net charge-offs (x) | 10.9398% | 2,103 |
| Efficiency ratio | 75.3629% | 2,887 |
| Assets per employee ($millions) | 3.7725% | 4,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3922% | 4,072 |
| Loan loss allowance to noncurrent loans | 166.5015% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 0.7485% | 4,338 |
| Noncurrent loans to loans | 0.8362% | 4,244 |
| Net loans and leases to total assets | 71.6856% | 1,626 |
| Net loans and leases to deposits | 81.5353% | 2,112 |
| Net loans and leases to core deposits | 88.8072% | 2,023 |
| Total domestic deposits to total assets | 87.9198% | 2,300 |
| Equity capital to assets | 10.7678% | 2,978 |
| Core capital (leverage) ratio | 10.7997% | 2,562 |
| Tier 1 risk-based capital ratio | 17.8445% | 2,376 |
| Total risk-based capital ratio | 19.1002% | 2,338 |
| Memoranda: | ||
| Average total assets | $338,218,670 | 1,919 |
| Average earning assets | $311,879,000 | 1,916 |
| Average equity | $35,456,000 | 1,963 |
| Average total loans | $246,425,670 | 1,681 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9371% | 996 |
| Cost of funding earning assets | 0.8368% | 1,333 |
| Net interest margin | 4.1003% | 1,463 |
| Noninterest income to average assets | 0.5672% | 3,330 |
| Noninterest expense to average assets | 3.3105% | 2,059 |
| Loan and lease loss provision to assets | 0.0352% | 4,008 |
| Net operating income to assets | 0.6644% | 3,877 |
| Return on assets (ROA) | 0.6644% | 4,035 |
| Pretax return on assets | 1.0055% | 3,322 |
| Return on Equity (ROE) | 6.4230% | 3,808 |
| Retained earnings to average equity (ytd only) | 6.4230% | 2,445 |
| Net charge-offs to loans | 0.0482% | 3,360 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 29.6000% | 964 |
| Efficiency ratio | 76.0840% | 2,909 |
| Assets per employee ($millions) | 3.8469% | 4,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4205% | 4,129 |
| Loan loss allowance to noncurrent loans | 145.7274% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.7633% | 4,467 |
| Noncurrent loans to loans | 0.9748% | 4,184 |
| Net loans and leases to total assets | 71.6684% | 1,406 |
| Net loans and leases to deposits | 81.3306% | 1,920 |
| Net loans and leases to core deposits | 88.3943% | 1,863 |
| Total domestic deposits to total assets | 88.1199% | 2,245 |
| Equity capital to assets | 10.5053% | 3,530 |
| Core capital (leverage) ratio | 10.4734% | 2,817 |
| Tier 1 risk-based capital ratio | 17.3394% | 2,631 |
| Total risk-based capital ratio | 18.5964% | 2,592 |
| Memoranda: | ||
| Average total assets | $341,338,000 | 1,932 |
| Average earning assets | $315,004,000 | 1,926 |
| Average equity | $35,310,500 | 1,999 |
| Average total loans | $248,967,500 | 1,670 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2199% | 1,083 |
| Cost of funding earning assets | 1.1095% | 872 |
| Net interest margin | 4.1104% | 1,963 |
| Noninterest income to average assets | 0.5857% | 3,357 |
| Noninterest expense to average assets | 3.0163% | 3,212 |
| Loan and lease loss provision to assets | 0.2713% | 2,479 |
| Net operating income to assets | 0.7355% | 3,581 |
| Return on assets (ROA) | 0.7359% | 3,821 |
| Pretax return on assets | 1.0860% | 3,210 |
| Return on Equity (ROE) | 7.6487% | 3,261 |
| Retained earnings to average equity (ytd only) | 7.6487% | 1,258 |
| Net charge-offs to loans | 0.6287% | 1,864 |
| Credit loss provision to net charge-offs | 56.3464% | 4,539 |
| Earnings coverage of net charge-offs (x) | 2.8179% | 4,019 |
| Efficiency ratio | 68.9761% | 3,978 |
| Assets per employee ($millions) | 3.9108% | 4,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3883% | 4,220 |
| Loan loss allowance to noncurrent loans | 130.1564% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 0.8583% | 4,329 |
| Noncurrent loans to loans | 1.0666% | 4,069 |
| Net loans and leases to total assets | 72.1566% | 1,460 |
| Net loans and leases to deposits | 81.9176% | 2,008 |
| Net loans and leases to core deposits | 89.2275% | 1,935 |
| Total domestic deposits to total assets | 88.0844% | 2,185 |
| Equity capital to assets | 10.1867% | 3,908 |
| Core capital (leverage) ratio | 10.1576% | 3,187 |
| Tier 1 risk-based capital ratio | 16.7566% | 2,768 |
| Total risk-based capital ratio | 18.0120% | 2,731 |
| Memoranda: | ||
| Average total assets | $350,198,600 | 1,852 |
| Average earning assets | $322,669,400 | 1,843 |
| Average equity | $33,692,200 | 2,050 |
| Average total loans | $268,182,000 | 1,548 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2790% | 1,048 |
| Cost of funding earning assets | 1.1560% | 842 |
| Net interest margin | 4.1230% | 2,013 |
| Noninterest income to average assets | 0.4151% | 4,519 |
| Noninterest expense to average assets | 2.9247% | 3,499 |
| Loan and lease loss provision to assets | 0.3222% | 2,046 |
| Net operating income to assets | 0.6470% | 4,156 |
| Return on assets (ROA) | 0.6475% | 4,414 |
| Pretax return on assets | 0.9671% | 3,834 |
| Return on Equity (ROE) | 6.8283% | 3,899 |
| Retained earnings to average equity (ytd only) | 6.8283% | 2,222 |
| Net charge-offs to loans | 0.3683% | 2,627 |
| Credit loss provision to net charge-offs | 113.0319% | 2,586 |
| Earnings coverage of net charge-offs (x) | 4.5200% | 3,283 |
| Efficiency ratio | 69.4170% | 3,800 |
| Assets per employee ($millions) | 3.9497% | 3,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6795% | 3,213 |
| Loan loss allowance to noncurrent loans | 77.1011% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 1.9219% | 2,754 |
| Noncurrent loans to loans | 2.1784% | 2,648 |
| Net loans and leases to total assets | 72.1086% | 1,534 |
| Net loans and leases to deposits | 82.5385% | 2,047 |
| Net loans and leases to core deposits | 89.8078% | 2,009 |
| Total domestic deposits to total assets | 87.3636% | 2,457 |
| Equity capital to assets | 9.7495% | 4,854 |
| Core capital (leverage) ratio | 9.7062% | 3,950 |
| Tier 1 risk-based capital ratio | 15.9352% | 3,299 |
| Total risk-based capital ratio | 17.1880% | 3,268 |
| Memoranda: | ||
| Average total assets | $351,710,000 | 1,858 |
| Average earning assets | $323,992,000 | 1,853 |
| Average equity | $33,350,750 | 2,084 |
| Average total loans | $272,271,250 | 1,532 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3497% | 959 |
| Cost of funding earning assets | 1.2052% | 797 |
| Net interest margin | 4.1446% | 1,929 |
| Noninterest income to average assets | 0.2996% | 5,411 |
| Noninterest expense to average assets | 2.8456% | 3,847 |
| Loan and lease loss provision to assets | 0.3127% | 2,109 |
| Net operating income to assets | 0.6485% | 4,119 |
| Return on assets (ROA) | 0.6493% | 4,371 |
| Pretax return on assets | 0.9591% | 3,852 |
| Return on Equity (ROE) | 6.9121% | 3,828 |
| Retained earnings to average equity (ytd only) | 6.9121% | 2,154 |
| Net charge-offs to loans | 0.5204% | 2,029 |
| Credit loss provision to net charge-offs | 76.2829% | 3,424 |
| Earnings coverage of net charge-offs (x) | 3.0999% | 3,501 |
| Efficiency ratio | 69.1298% | 3,908 |
| Assets per employee ($millions) | 3.9108% | 4,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5214% | 3,917 |
| Loan loss allowance to noncurrent loans | 66.4866% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 2.0414% | 2,734 |
| Noncurrent loans to loans | 2.2883% | 2,628 |
| Net loans and leases to total assets | 74.6828% | 1,145 |
| Net loans and leases to deposits | 85.1631% | 1,703 |
| Net loans and leases to core deposits | 92.4698% | 1,734 |
| Total domestic deposits to total assets | 87.6938% | 2,340 |
| Equity capital to assets | 9.5656% | 4,957 |
| Core capital (leverage) ratio | 9.5326% | 4,101 |
| Tier 1 risk-based capital ratio | 15.3286% | 3,556 |
| Total risk-based capital ratio | 16.5786% | 3,517 |
| Memoranda: | ||
| Average total assets | $351,772,000 | 1,867 |
| Average earning assets | $323,943,000 | 1,854 |
| Average equity | $33,043,670 | 2,083 |
| Average total loans | $277,092,000 | 1,517 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4478% | 836 |
| Cost of funding earning assets | 1.2571% | 753 |
| Net interest margin | 4.1907% | 1,784 |
| Noninterest income to average assets | 0.0648% | 6,877 |
| Noninterest expense to average assets | 2.8458% | 3,841 |
| Loan and lease loss provision to assets | 0.2844% | 2,189 |
| Net operating income to assets | 0.5183% | 4,743 |
| Return on assets (ROA) | 0.5198% | 4,948 |
| Pretax return on assets | 0.7894% | 4,456 |
| Return on Equity (ROE) | 5.5848% | 4,512 |
| Retained earnings to average equity (ytd only) | 5.5848% | 3,217 |
| Net charge-offs to loans | 0.2084% | 2,876 |
| Credit loss provision to net charge-offs | 170.0680% | 1,501 |
| Earnings coverage of net charge-offs (x) | 6.4082% | 2,217 |
| Efficiency ratio | 72.6481% | 3,320 |
| Assets per employee ($millions) | 3.8913% | 4,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5733% | 3,834 |
| Loan loss allowance to noncurrent loans | 93.0657% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 1.9705% | 2,947 |
| Noncurrent loans to loans | 1.6906% | 3,573 |
| Net loans and leases to total assets | 77.4355% | 644 |
| Net loans and leases to deposits | 88.5824% | 1,099 |
| Net loans and leases to core deposits | 96.9325% | 1,206 |
| Total domestic deposits to total assets | 87.4164% | 2,713 |
| Equity capital to assets | 9.4124% | 4,935 |
| Core capital (leverage) ratio | 9.3830% | 4,219 |
| Tier 1 risk-based capital ratio | 14.6004% | 4,020 |
| Total risk-based capital ratio | 15.8321% | 3,995 |
| Memoranda: | ||
| Average total assets | $351,673,000 | 1,882 |
| Average earning assets | $323,285,500 | 1,862 |
| Average equity | $32,731,500 | 2,101 |
| Average total loans | $282,177,000 | 1,503 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8524% | 573 |
| Cost of funding earning assets | 1.5324% | 629 |
| Net interest margin | 4.3200% | 1,634 |
| Noninterest income to average assets | 0.5332% | 3,628 |
| Noninterest expense to average assets | 2.9680% | 3,711 |
| Loan and lease loss provision to assets | 0.9056% | 1,060 |
| Net operating income to assets | 0.4234% | 4,763 |
| Return on assets (ROA) | 0.4534% | 4,833 |
| Pretax return on assets | 0.6694% | 4,442 |
| Return on Equity (ROE) | 5.1772% | 4,304 |
| Retained earnings to average equity (ytd only) | 5.1772% | 2,521 |
| Net charge-offs to loans | -0.0970% | 7,134 |
| Credit loss provision to net charge-offs | -1,123.3449% | 6,875 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9715% | 4,777 |
| Assets per employee ($millions) | 3.7171% | 4,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4652% | 4,169 |
| Loan loss allowance to noncurrent loans | 103.4213% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 1.7322% | 3,354 |
| Noncurrent loans to loans | 1.4168% | 4,035 |
| Net loans and leases to total assets | 80.5923% | 436 |
| Net loans and leases to deposits | 92.4276% | 935 |
| Net loans and leases to core deposits | 100.9639% | 1,094 |
| Total domestic deposits to total assets | 87.1950% | 2,646 |
| Equity capital to assets | 9.2032% | 5,279 |
| Core capital (leverage) ratio | 9.1862% | 4,484 |
| Tier 1 risk-based capital ratio | 14.3594% | 4,072 |
| Total risk-based capital ratio | 15.5818% | 4,053 |
| Memoranda: | ||
| Average total assets | $355,993,800 | 1,822 |
| Average earning assets | $326,807,600 | 1,811 |
| Average equity | $31,175,000 | 2,122 |
| Average total loans | $295,760,000 | 1,435 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9098% | 550 |
| Cost of funding earning assets | 1.5789% | 638 |
| Net interest margin | 4.3309% | 1,610 |
| Noninterest income to average assets | 0.5730% | 3,358 |
| Noninterest expense to average assets | 3.0407% | 3,399 |
| Loan and lease loss provision to assets | 1.0761% | 770 |
| Net operating income to assets | 0.2913% | 5,428 |
| Return on assets (ROA) | 0.3312% | 5,455 |
| Pretax return on assets | 0.4878% | 5,198 |
| Return on Equity (ROE) | 3.8299% | 5,063 |
| Retained earnings to average equity (ytd only) | 3.8299% | 3,999 |
| Net charge-offs to loans | 0.4240% | 3,026 |
| Credit loss provision to net charge-offs | 304.3340% | 933 |
| Earnings coverage of net charge-offs (x) | 4.2569% | 3,125 |
| Efficiency ratio | 66.8887% | 4,543 |
| Assets per employee ($millions) | 3.7779% | 4,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8966% | 6,607 |
| Loan loss allowance to noncurrent loans | 137.7985% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 1.1153% | 4,549 |
| Noncurrent loans to loans | 0.6507% | 5,586 |
| Net loans and leases to total assets | 81.7321% | 381 |
| Net loans and leases to deposits | 93.7883% | 854 |
| Net loans and leases to core deposits | 102.2632% | 1,083 |
| Total domestic deposits to total assets | 87.1452% | 2,554 |
| Equity capital to assets | 8.8659% | 5,898 |
| Core capital (leverage) ratio | 8.8459% | 5,186 |
| Tier 1 risk-based capital ratio | 13.7180% | 4,561 |
| Total risk-based capital ratio | 14.8300% | 4,644 |
| Memoranda: | ||
| Average total assets | $356,710,500 | 1,826 |
| Average earning assets | $327,222,500 | 1,817 |
| Average equity | $30,844,000 | 2,145 |
| Average total loans | $297,493,750 | 1,443 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9473% | 525 |
| Cost of funding earning assets | 1.6256% | 631 |
| Net interest margin | 4.3217% | 1,590 |
| Noninterest income to average assets | 0.6259% | 2,971 |
| Noninterest expense to average assets | 3.1373% | 3,122 |
| Loan and lease loss provision to assets | 1.3900% | 525 |
| Net operating income to assets | 0.0562% | 6,102 |
| Return on assets (ROA) | 0.0562% | 6,184 |
| Pretax return on assets | 0.0584% | 6,172 |
| Return on Equity (ROE) | 0.6553% | 6,156 |
| Retained earnings to average equity (ytd only) | 0.6553% | 5,591 |
| Net charge-offs to loans | 0.5235% | 2,530 |
| Credit loss provision to net charge-offs | 317.1795% | 958 |
| Earnings coverage of net charge-offs (x) | 3.3051% | 3,219 |
| Efficiency ratio | 68.4146% | 4,435 |
| Assets per employee ($millions) | 3.7946% | 4,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8136% | 6,842 |
| Loan loss allowance to noncurrent loans | 229.8763% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.8725% | 5,132 |
| Noncurrent loans to loans | 0.3539% | 6,210 |
| Net loans and leases to total assets | 82.5789% | 332 |
| Net loans and leases to deposits | 96.2446% | 706 |
| Net loans and leases to core deposits | 104.3357% | 1,023 |
| Total domestic deposits to total assets | 85.8011% | 3,442 |
| Equity capital to assets | 8.7039% | 5,940 |
| Core capital (leverage) ratio | 8.6758% | 5,265 |
| Tier 1 risk-based capital ratio | 13.2955% | 4,696 |
| Total risk-based capital ratio | 14.2982% | 4,864 |
| Memoranda: | ||
| Average total assets | $355,980,000 | 1,842 |
| Average earning assets | $326,166,330 | 1,825 |
| Average equity | $30,518,670 | 2,154 |
| Average total loans | $297,994,330 | 1,458 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9313% | 555 |
| Cost of funding earning assets | 1.6790% | 608 |
| Net interest margin | 4.2523% | 1,738 |
| Noninterest income to average assets | 0.5669% | 3,390 |
| Noninterest expense to average assets | 3.0943% | 3,268 |
| Loan and lease loss provision to assets | 3.1235% | 151 |
| Net operating income to assets | -1.1596% | 7,087 |
| Return on assets (ROA) | -1.1596% | 7,092 |
| Pretax return on assets | -1.7569% | 7,218 |
| Return on Equity (ROE) | -13.6308% | 7,118 |
| Retained earnings to average equity (ytd only) | -13.6308% | 6,998 |
| Net charge-offs to loans | 0.8898% | 1,488 |
| Credit loss provision to net charge-offs | 418.2229% | 812 |
| Earnings coverage of net charge-offs (x) | 1.8298% | 3,387 |
| Efficiency ratio | 69.3646% | 4,404 |
| Assets per employee ($millions) | 3.7679% | 4,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9533% | 6,534 |
| Loan loss allowance to noncurrent loans | 249.0334% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 1.0636% | 4,799 |
| Noncurrent loans to loans | 0.3828% | 6,232 |
| Net loans and leases to total assets | 83.1340% | 265 |
| Net loans and leases to deposits | 96.9832% | 623 |
| Net loans and leases to core deposits | 105.3297% | 974 |
| Total domestic deposits to total assets | 85.7200% | 3,683 |
| Equity capital to assets | 8.3920% | 6,062 |
| Core capital (leverage) ratio | 8.4088% | 5,612 |
| Tier 1 risk-based capital ratio | 12.7388% | 5,025 |
| Total risk-based capital ratio | 13.9145% | 5,078 |
| Memoranda: | ||
| Average total assets | $355,625,500 | 1,853 |
| Average earning assets | $325,660,500 | 1,841 |
| Average equity | $30,255,000 | 2,162 |
| Average total loans | $298,508,500 | 1,468 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2235% | 541 |
| Cost of funding earning assets | 1.9645% | 687 |
| Net interest margin | 4.2590% | 1,963 |
| Noninterest income to average assets | 0.6124% | 3,392 |
| Noninterest expense to average assets | 3.0293% | 3,734 |
| Loan and lease loss provision to assets | 0.4501% | 3,432 |
| Net operating income to assets | 0.6742% | 3,325 |
| Return on assets (ROA) | -0.0903% | 6,042 |
| Pretax return on assets | -0.1453% | 6,040 |
| Return on Equity (ROE) | -1.1040% | 6,071 |
| Retained earnings to average equity (ytd only) | -1.1040% | 5,820 |
| Net charge-offs to loans | 0.4784% | 3,707 |
| Credit loss provision to net charge-offs | 111.5702% | 3,929 |
| Earnings coverage of net charge-offs (x) | 3.7163% | 3,226 |
| Efficiency ratio | 66.8916% | 4,780 |
| Assets per employee ($millions) | 3.7986% | 4,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2412% | 7,510 |
| Loan loss allowance to noncurrent loans | 45.7595% | 5,267 |
| Noncurrent assets plus other real estate owned to assets | 0.7760% | 5,463 |
| Noncurrent loans to loans | 0.5271% | 5,992 |
| Net loans and leases to total assets | 83.7413% | 328 |
| Net loans and leases to deposits | 97.4371% | 759 |
| Net loans and leases to core deposits | 105.0816% | 1,247 |
| Total domestic deposits to total assets | 85.9439% | 3,387 |
| Equity capital to assets | 8.6221% | 5,692 |
| Core capital (leverage) ratio | 8.6395% | 5,124 |
| Tier 1 risk-based capital ratio | 13.2040% | 4,451 |
| Total risk-based capital ratio | 13.4765% | 5,242 |
| Memoranda: | ||
| Average total assets | $359,880,800 | 1,816 |
| Average earning assets | $330,924,000 | 1,801 |
| Average equity | $29,438,000 | 2,218 |
| Average total loans | $303,540,000 | 1,484 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2434% | 563 |
| Cost of funding earning assets | 1.9986% | 756 |
| Net interest margin | 4.2448% | 2,051 |
| Noninterest income to average assets | 0.5972% | 3,455 |
| Noninterest expense to average assets | 3.0213% | 3,670 |
| Loan and lease loss provision to assets | 0.5077% | 2,920 |
| Net operating income to assets | 0.6315% | 3,746 |
| Return on assets (ROA) | -0.4130% | 6,572 |
| Pretax return on assets | -0.6349% | 6,639 |
| Return on Equity (ROE) | -5.1177% | 6,657 |
| Retained earnings to average equity (ytd only) | -5.1177% | 6,564 |
| Net charge-offs to loans | 0.5237% | 3,206 |
| Credit loss provision to net charge-offs | 114.7993% | 3,641 |
| Earnings coverage of net charge-offs (x) | 3.3461% | 3,484 |
| Efficiency ratio | 67.1240% | 4,637 |
| Assets per employee ($millions) | 3.7138% | 4,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2407% | 7,625 |
| Loan loss allowance to noncurrent loans | 27.7736% | 6,465 |
| Noncurrent assets plus other real estate owned to assets | 0.9138% | 5,282 |
| Noncurrent loans to loans | 0.8666% | 5,490 |
| Net loans and leases to total assets | 84.9823% | 266 |
| Net loans and leases to deposits | 100.2724% | 643 |
| Net loans and leases to core deposits | 109.4018% | 1,070 |
| Total domestic deposits to total assets | 84.7515% | 3,750 |
| Equity capital to assets | 8.4628% | 6,324 |
| Core capital (leverage) ratio | 8.4119% | 5,679 |
| Tier 1 risk-based capital ratio | 12.6751% | 4,837 |
| Total risk-based capital ratio | 12.9737% | 5,679 |
| Memoranda: | ||
| Average total assets | $360,583,500 | 1,837 |
| Average earning assets | $331,627,750 | 1,828 |
| Average equity | $29,100,750 | 2,266 |
| Average total loans | $304,490,500 | 1,494 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2738% | 534 |
| Cost of funding earning assets | 2.0376% | 806 |
| Net interest margin | 4.2362% | 2,035 |
| Noninterest income to average assets | 0.6377% | 3,079 |
| Noninterest expense to average assets | 2.9508% | 3,886 |
| Loan and lease loss provision to assets | 0.5852% | 2,436 |
| Net operating income to assets | 0.6451% | 3,646 |
| Return on assets (ROA) | -0.9422% | 6,939 |
| Pretax return on assets | -1.4422% | 7,059 |
| Return on Equity (ROE) | -11.8635% | 7,038 |
| Retained earnings to average equity (ytd only) | -11.8635% | 6,996 |
| Net charge-offs to loans | 0.6084% | 2,709 |
| Credit loss provision to net charge-offs | 114.2395% | 3,566 |
| Earnings coverage of net charge-offs (x) | 3.0939% | 3,456 |
| Efficiency ratio | 65.0585% | 5,139 |
| Assets per employee ($millions) | 3.7550% | 4,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2245% | 7,696 |
| Loan loss allowance to noncurrent loans | 21.8820% | 6,848 |
| Noncurrent assets plus other real estate owned to assets | 1.0669% | 5,003 |
| Noncurrent loans to loans | 1.0259% | 5,255 |
| Net loans and leases to total assets | 84.5803% | 315 |
| Net loans and leases to deposits | 102.6949% | 553 |
| Net loans and leases to core deposits | 112.3424% | 1,014 |
| Total domestic deposits to total assets | 82.3607% | 4,846 |
| Equity capital to assets | 8.1830% | 6,562 |
| Core capital (leverage) ratio | 8.1779% | 5,980 |
| Tier 1 risk-based capital ratio | 11.7776% | 5,517 |
| Total risk-based capital ratio | 12.0162% | 6,463 |
| Memoranda: | ||
| Average total assets | $361,935,670 | 1,845 |
| Average earning assets | $333,038,000 | 1,831 |
| Average equity | $28,743,670 | 2,281 |
| Average total loans | $304,748,670 | 1,506 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2269% | 607 |
| Cost of funding earning assets | 2.0956% | 824 |
| Net interest margin | 4.1313% | 2,316 |
| Noninterest income to average assets | 0.5813% | 3,407 |
| Noninterest expense to average assets | 2.9526% | 3,847 |
| Loan and lease loss provision to assets | 0.5614% | 2,256 |
| Net operating income to assets | 0.5757% | 4,003 |
| Return on assets (ROA) | 0.5757% | 4,146 |
| Pretax return on assets | 0.8702% | 3,579 |
| Return on Equity (ROE) | 7.3608% | 3,178 |
| Retained earnings to average equity (ytd only) | 7.3608% | 1,991 |
| Net charge-offs to loans | 0.5993% | 2,307 |
| Credit loss provision to net charge-offs | 111.6228% | 3,101 |
| Earnings coverage of net charge-offs (x) | 2.8465% | 3,126 |
| Efficiency ratio | 67.3459% | 4,843 |
| Assets per employee ($millions) | 3.8338% | 4,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1997% | 7,813 |
| Loan loss allowance to noncurrent loans | 17.7053% | 7,120 |
| Noncurrent assets plus other real estate owned to assets | 1.0354% | 5,078 |
| Noncurrent loans to loans | 1.1278% | 5,108 |
| Net loans and leases to total assets | 83.4379% | 437 |
| Net loans and leases to deposits | 103.3569% | 570 |
| Net loans and leases to core deposits | 113.0282% | 1,091 |
| Total domestic deposits to total assets | 80.7280% | 5,547 |
| Equity capital to assets | 7.8592% | 6,799 |
| Core capital (leverage) ratio | 7.8683% | 6,418 |
| Tier 1 risk-based capital ratio | 11.4409% | 5,729 |
| Total risk-based capital ratio | 11.6473% | 6,716 |
| Memoranda: | ||
| Average total assets | $362,663,500 | 1,888 |
| Average earning assets | $333,839,500 | 1,875 |
| Average equity | $28,366,500 | 2,340 |
| Average total loans | $304,332,500 | 1,549 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2103% | 1,215 |
| Cost of funding earning assets | 2.6254% | 724 |
| Net interest margin | 3.5849% | 4,601 |
| Noninterest income to average assets | 0.7190% | 2,853 |
| Noninterest expense to average assets | 2.9286% | 4,430 |
| Loan and lease loss provision to assets | 0.4041% | 4,392 |
| Net operating income to assets | 0.4616% | 3,884 |
| Return on assets (ROA) | 0.4686% | 3,977 |
| Pretax return on assets | 0.7030% | 3,562 |
| Return on Equity (ROE) | 6.1563% | 3,148 |
| Retained earnings to average equity (ytd only) | 6.1563% | 1,294 |
| Net charge-offs to loans | 0.5187% | 3,704 |
| Credit loss provision to net charge-offs | 93.4501% | 5,874 |
| Earnings coverage of net charge-offs (x) | 2.5363% | 3,855 |
| Efficiency ratio | 72.7551% | 4,139 |
| Assets per employee ($millions) | 3.8416% | 4,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1821% | 7,889 |
| Loan loss allowance to noncurrent loans | 11.9991% | 7,331 |
| Noncurrent assets plus other real estate owned to assets | 1.4112% | 4,294 |
| Noncurrent loans to loans | 1.5179% | 4,380 |
| Net loans and leases to total assets | 84.0763% | 424 |
| Net loans and leases to deposits | 101.8624% | 760 |
| Net loans and leases to core deposits | 146.5146% | 599 |
| Total domestic deposits to total assets | 82.5391% | 4,729 |
| Equity capital to assets | 7.7839% | 6,783 |
| Core capital (leverage) ratio | 7.7944% | 6,459 |
| Tier 1 risk-based capital ratio | 11.1741% | 5,751 |
| Total risk-based capital ratio | 11.3571% | 6,749 |
| Memoranda: | ||
| Average total assets | $356,622,200 | 1,904 |
| Average earning assets | $328,907,800 | 1,889 |
| Average equity | $27,142,800 | 2,435 |
| Average total loans | $297,301,400 | 1,613 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2555% | 1,227 |
| Cost of funding earning assets | 2.7093% | 774 |
| Net interest margin | 3.5462% | 4,684 |
| Noninterest income to average assets | 0.7197% | 2,885 |
| Noninterest expense to average assets | 2.9325% | 4,302 |
| Loan and lease loss provision to assets | 0.3139% | 4,464 |
| Net operating income to assets | 0.4880% | 4,035 |
| Return on assets (ROA) | 0.4861% | 4,144 |
| Pretax return on assets | 0.7422% | 3,721 |
| Return on Equity (ROE) | 6.4233% | 3,339 |
| Retained earnings to average equity (ytd only) | 6.4233% | 1,750 |
| Net charge-offs to loans | 0.3586% | 3,854 |
| Credit loss provision to net charge-offs | 105.2830% | 4,824 |
| Earnings coverage of net charge-offs (x) | 3.5522% | 3,485 |
| Efficiency ratio | 73.4661% | 3,961 |
| Assets per employee ($millions) | 3.8320% | 4,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2337% | 7,953 |
| Loan loss allowance to noncurrent loans | 23.3188% | 6,884 |
| Noncurrent assets plus other real estate owned to assets | 0.9725% | 5,116 |
| Noncurrent loans to loans | 1.0023% | 5,302 |
| Net loans and leases to total assets | 82.5974% | 728 |
| Net loans and leases to deposits | 99.0733% | 1,205 |
| Net loans and leases to core deposits | 140.9161% | 877 |
| Total domestic deposits to total assets | 83.3700% | 4,030 |
| Equity capital to assets | 7.7187% | 7,132 |
| Core capital (leverage) ratio | 7.7159% | 6,712 |
| Tier 1 risk-based capital ratio | 11.2526% | 5,686 |
| Total risk-based capital ratio | 11.4963% | 6,679 |
| Memoranda: | ||
| Average total assets | $355,499,000 | 1,927 |
| Average earning assets | $328,002,750 | 1,909 |
| Average equity | $26,901,250 | 2,478 |
| Average total loans | $295,585,250 | 1,642 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3334% | 1,134 |
| Cost of funding earning assets | 2.8136% | 757 |
| Net interest margin | 3.5198% | 4,704 |
| Noninterest income to average assets | 0.7030% | 2,976 |
| Noninterest expense to average assets | 2.9390% | 4,340 |
| Loan and lease loss provision to assets | 0.3018% | 4,147 |
| Net operating income to assets | 0.4600% | 4,253 |
| Return on assets (ROA) | 0.4600% | 4,368 |
| Pretax return on assets | 0.7069% | 3,972 |
| Return on Equity (ROE) | 6.1201% | 3,590 |
| Retained earnings to average equity (ytd only) | 6.1201% | 1,961 |
| Net charge-offs to loans | 0.3868% | 3,265 |
| Credit loss provision to net charge-offs | 93.6842% | 4,809 |
| Earnings coverage of net charge-offs (x) | 3.1316% | 3,558 |
| Efficiency ratio | 74.4489% | 3,961 |
| Assets per employee ($millions) | 3.8351% | 4,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2094% | 8,061 |
| Loan loss allowance to noncurrent loans | 24.6221% | 6,865 |
| Noncurrent assets plus other real estate owned to assets | 0.7358% | 5,577 |
| Noncurrent loans to loans | 0.8503% | 5,522 |
| Net loans and leases to total assets | 83.6222% | 690 |
| Net loans and leases to deposits | 101.3859% | 1,126 |
| Net loans and leases to core deposits | 143.3929% | 862 |
| Total domestic deposits to total assets | 82.4792% | 4,491 |
| Equity capital to assets | 7.6414% | 7,138 |
| Core capital (leverage) ratio | 7.6464% | 6,833 |
| Tier 1 risk-based capital ratio | 11.1155% | 5,759 |
| Total risk-based capital ratio | 11.3310% | 6,768 |
| Memoranda: | ||
| Average total assets | $353,930,670 | 1,953 |
| Average earning assets | $326,272,670 | 1,940 |
| Average equity | $26,600,670 | 2,513 |
| Average total loans | $294,708,330 | 1,685 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3136% | 1,260 |
| Cost of funding earning assets | 2.8961% | 777 |
| Net interest margin | 3.4175% | 5,066 |
| Noninterest income to average assets | 0.6342% | 3,319 |
| Noninterest expense to average assets | 2.8007% | 4,559 |
| Loan and lease loss provision to assets | 0.4017% | 2,915 |
| Net operating income to assets | 0.3069% | 5,269 |
| Return on assets (ROA) | 0.3069% | 5,444 |
| Pretax return on assets | 0.5755% | 4,827 |
| Return on Equity (ROE) | 4.1180% | 4,877 |
| Retained earnings to average equity (ytd only) | 4.1180% | 3,610 |
| Net charge-offs to loans | 0.5710% | 2,039 |
| Credit loss provision to net charge-offs | 84.7619% | 4,111 |
| Earnings coverage of net charge-offs (x) | 2.0619% | 3,694 |
| Efficiency ratio | 74.1338% | 3,803 |
| Assets per employee ($millions) | 3.9589% | 3,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2027% | 8,104 |
| Loan loss allowance to noncurrent loans | 72.1951% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 0.3183% | 6,558 |
| Noncurrent loans to loans | 0.2807% | 6,737 |
| Net loans and leases to total assets | 81.8208% | 1,042 |
| Net loans and leases to deposits | 99.6169% | 1,462 |
| Net loans and leases to core deposits | 138.4888% | 1,173 |
| Total domestic deposits to total assets | 82.1354% | 4,496 |
| Equity capital to assets | 7.4072% | 7,416 |
| Core capital (leverage) ratio | 7.4121% | 7,263 |
| Tier 1 risk-based capital ratio | 10.8818% | 6,012 |
| Total risk-based capital ratio | 11.0858% | 7,012 |
| Memoranda: | ||
| Average total assets | $354,483,000 | 1,961 |
| Average earning assets | $326,088,500 | 1,940 |
| Average equity | $26,420,500 | 2,532 |
| Average total loans | $294,232,500 | 1,693 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6620% | 2,191 |
| Cost of funding earning assets | 3.3233% | 862 |
| Net interest margin | 3.3387% | 5,905 |
| Noninterest income to average assets | 0.7012% | 3,118 |
| Noninterest expense to average assets | 2.8411% | 4,639 |
| Loan and lease loss provision to assets | 0.2808% | 4,139 |
| Net operating income to assets | 0.4624% | 4,895 |
| Return on assets (ROA) | 0.4624% | 4,715 |
| Pretax return on assets | 0.6763% | 4,464 |
| Return on Equity (ROE) | 5.7661% | 4,038 |
| Retained earnings to average equity (ytd only) | 5.7661% | 1,639 |
| Net charge-offs to loans | 0.7497% | 1,654 |
| Credit loss provision to net charge-offs | 44.0725% | 6,417 |
| Earnings coverage of net charge-offs (x) | 1.5021% | 5,351 |
| Efficiency ratio | 74.8011% | 3,440 |
| Assets per employee ($millions) | 3.9185% | 3,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2210% | 8,149 |
| Loan loss allowance to noncurrent loans | 96.7504% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 0.2215% | 6,684 |
| Noncurrent loans to loans | 0.2285% | 6,704 |
| Net loans and leases to total assets | 83.8443% | 908 |
| Net loans and leases to deposits | 103.1519% | 1,447 |
| Net loans and leases to core deposits | 149.2228% | 882 |
| Total domestic deposits to total assets | 81.2824% | 4,521 |
| Equity capital to assets | 7.4998% | 7,378 |
| Core capital (leverage) ratio | 7.5050% | 7,202 |
| Tier 1 risk-based capital ratio | 10.8944% | 5,813 |
| Total risk-based capital ratio | 11.1232% | 6,764 |
| Memoranda: | ||
| Average total assets | $337,584,000 | 1,973 |
| Average earning assets | $313,149,200 | 1,946 |
| Average equity | $27,072,200 | 2,470 |
| Average total loans | $286,931,600 | 1,688 |