Home > First Federal Savings and Loan Association of Lorain > Performance and Condition Ratios
First Federal Savings and Loan Association of Lorain, 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 | 3.4573% | 4,407 |
| Cost of funding earning assets | 1.7819% | 1,278 |
| Net interest margin | 1.6753% | 4,481 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 2.6224% | 1,947 |
| Loan and lease loss provision to assets | -0.0200% | 4,327 |
| Net operating income to assets | -0.5108% | 4,509 |
| Return on assets (ROA) | -0.5108% | 4,494 |
| Pretax return on assets | -0.6667% | 4,495 |
| Return on Equity (ROE) | -5.3000% | 4,473 |
| Retained earnings to average equity (ytd only) | -5.3032% | 4,399 |
| Net charge-offs to loans | -0.0351% | 4,296 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 135.7046% | 57 |
| Assets per employee ($millions) | 5.4643% | 3,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4771% | 4,349 |
| Loan loss allowance to noncurrent loans | 57.7015% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 0.5549% | 1,012 |
| Noncurrent loans to loans | 0.8268% | 931 |
| Net loans and leases to total assets | 66.7900% | 2,170 |
| Net loans and leases to deposits | 84.2010% | 1,761 |
| Net loans and leases to core deposits | 90.0573% | 2,046 |
| Total domestic deposits to total assets | 79.3200% | 3,563 |
| Equity capital to assets | 9.7965% | 2,127 |
| Core capital (leverage) ratio | 11.9766% | 1,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2109% | 335 |
| Memoranda: | ||
| Average total assets | $532,496,600 | 1,662 |
| Average earning assets | $492,439,600 | 1,658 |
| Average equity | $51,289,600 | 1,580 |
| Average total loans | $353,602,800 | 1,601 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4283% | 4,410 |
| Cost of funding earning assets | 1.6236% | 1,330 |
| Net interest margin | 1.8048% | 4,480 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 2.6508% | 1,799 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | -0.4077% | 4,527 |
| Return on assets (ROA) | -0.4077% | 4,511 |
| Pretax return on assets | -0.5655% | 4,520 |
| Return on Equity (ROE) | -4.2500% | 4,494 |
| Retained earnings to average equity (ytd only) | -4.2504% | 4,409 |
| Net charge-offs to loans | -0.0374% | 4,303 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 128.6443% | 64 |
| Assets per employee ($millions) | 5.2535% | 3,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4717% | 4,371 |
| Loan loss allowance to noncurrent loans | 58.8032% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 0.5448% | 1,072 |
| Noncurrent loans to loans | 0.8021% | 1,038 |
| Net loans and leases to total assets | 67.6000% | 2,092 |
| Net loans and leases to deposits | 84.2200% | 1,723 |
| Net loans and leases to core deposits | 90.3790% | 1,908 |
| Total domestic deposits to total assets | 80.2700% | 3,489 |
| Equity capital to assets | 9.2319% | 2,270 |
| Core capital (leverage) ratio | 12.0839% | 1,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2515% | 343 |
| Memoranda: | ||
| Average total assets | $533,111,500 | 1,659 |
| Average earning assets | $492,977,750 | 1,654 |
| Average equity | $51,130,750 | 1,566 |
| Average total loans | $353,074,500 | 1,602 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3589% | 4,437 |
| Cost of funding earning assets | 1.4534% | 1,327 |
| Net interest margin | 1.9056% | 4,518 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.6924% | 1,657 |
| Loan and lease loss provision to assets | -0.0300% | 4,442 |
| Net operating income to assets | -0.3734% | 4,553 |
| Return on assets (ROA) | -0.3734% | 4,545 |
| Pretax return on assets | -0.5311% | 4,556 |
| Return on Equity (ROE) | -3.8500% | 4,528 |
| Retained earnings to average equity (ytd only) | -3.8460% | 4,381 |
| Net charge-offs to loans | -0.0382% | 4,301 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 126.0389% | 63 |
| Assets per employee ($millions) | 5.3335% | 3,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4716% | 4,404 |
| Loan loss allowance to noncurrent loans | 54.2611% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 0.5816% | 931 |
| Noncurrent loans to loans | 0.8692% | 874 |
| Net loans and leases to total assets | 66.6000% | 2,095 |
| Net loans and leases to deposits | 82.4474% | 1,798 |
| Net loans and leases to core deposits | 88.4832% | 1,898 |
| Total domestic deposits to total assets | 80.7800% | 3,461 |
| Equity capital to assets | 9.5074% | 2,156 |
| Core capital (leverage) ratio | 12.0589% | 1,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5292% | 332 |
| Memoranda: | ||
| Average total assets | $533,947,000 | 1,655 |
| Average earning assets | $493,608,667 | 1,652 |
| Average equity | $51,846,000 | 1,554 |
| Average total loans | $350,627,667 | 1,599 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3151% | 4,424 |
| Cost of funding earning assets | 1.2310% | 1,379 |
| Net interest margin | 2.0842% | 4,539 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 2.7149% | 1,633 |
| Loan and lease loss provision to assets | -0.0300% | 4,479 |
| Net operating income to assets | -0.2363% | 4,560 |
| Return on assets (ROA) | -0.2363% | 4,546 |
| Pretax return on assets | -0.3996% | 4,556 |
| Return on Equity (ROE) | -2.4100% | 4,514 |
| Retained earnings to average equity (ytd only) | -2.4079% | 4,224 |
| Net charge-offs to loans | -0.0428% | 4,321 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 118.6842% | 75 |
| Assets per employee ($millions) | 5.3140% | 3,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4783% | 4,452 |
| Loan loss allowance to noncurrent loans | 53.2415% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 0.5949% | 860 |
| Noncurrent loans to loans | 0.8983% | 841 |
| Net loans and leases to total assets | 65.9100% | 2,067 |
| Net loans and leases to deposits | 82.7665% | 1,590 |
| Net loans and leases to core deposits | 88.5860% | 1,699 |
| Total domestic deposits to total assets | 79.6300% | 3,815 |
| Equity capital to assets | 9.8428% | 1,908 |
| Core capital (leverage) ratio | 12.3949% | 1,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0738% | 309 |
| Memoranda: | ||
| Average total assets | $531,579,000 | 1,677 |
| Average earning assets | $491,320,500 | 1,674 |
| Average equity | $52,161,500 | 1,560 |
| Average total loans | $345,713,500 | 1,632 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7804% | 4,342 |
| Cost of funding earning assets | 0.4588% | 1,660 |
| Net interest margin | 2.3216% | 4,411 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 2.9295% | 1,078 |
| Loan and lease loss provision to assets | -0.1100% | 4,542 |
| Net operating income to assets | -0.0897% | 4,590 |
| Return on assets (ROA) | -0.0897% | 4,579 |
| Pretax return on assets | -0.1818% | 4,586 |
| Return on Equity (ROE) | -0.8000% | 4,569 |
| Retained earnings to average equity (ytd only) | -0.8024% | 4,435 |
| Net charge-offs to loans | -0.1945% | 4,625 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 111.2012% | 87 |
| Assets per employee ($millions) | 5.3176% | 3,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5060% | 4,427 |
| Loan loss allowance to noncurrent loans | 49.5627% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 0.6515% | 765 |
| Noncurrent loans to loans | 1.0209% | 709 |
| Net loans and leases to total assets | 63.5000% | 2,287 |
| Net loans and leases to deposits | 80.9006% | 1,702 |
| Net loans and leases to core deposits | 85.7970% | 1,767 |
| Total domestic deposits to total assets | 78.4900% | 4,045 |
| Equity capital to assets | 9.7817% | 1,836 |
| Core capital (leverage) ratio | 12.8507% | 986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.9995% | 283 |
| Memoranda: | ||
| Average total assets | $496,124,600 | 1,730 |
| Average earning assets | $457,480,000 | 1,735 |
| Average equity | $55,459,400 | 1,491 |
| Average total loans | $288,905,800 | 1,775 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6155% | 4,378 |
| Cost of funding earning assets | 0.3409% | 1,779 |
| Net interest margin | 2.2746% | 4,423 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 2.9384% | 996 |
| Loan and lease loss provision to assets | -0.1400% | 4,624 |
| Net operating income to assets | -0.0720% | 4,618 |
| Return on assets (ROA) | -0.0720% | 4,595 |
| Pretax return on assets | -0.1766% | 4,614 |
| Return on Equity (ROE) | -0.6200% | 4,577 |
| Retained earnings to average equity (ytd only) | -0.6235% | 4,396 |
| Net charge-offs to loans | -0.2545% | 4,670 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 112.2615% | 87 |
| Assets per employee ($millions) | 4.9655% | 3,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5453% | 4,437 |
| Loan loss allowance to noncurrent loans | 46.2082% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 0.7409% | 684 |
| Noncurrent loans to loans | 1.1800% | 624 |
| Net loans and leases to total assets | 62.4500% | 2,239 |
| Net loans and leases to deposits | 76.9596% | 1,801 |
| Net loans and leases to core deposits | 80.7102% | 1,856 |
| Total domestic deposits to total assets | 81.1400% | 3,954 |
| Equity capital to assets | 10.1608% | 1,537 |
| Core capital (leverage) ratio | 13.3188% | 826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.4558% | 259 |
| Memoranda: | ||
| Average total assets | $488,545,750 | 1,755 |
| Average earning assets | $450,536,250 | 1,766 |
| Average equity | $56,450,500 | 1,490 |
| Average total loans | $277,139,000 | 1,822 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4578% | 4,413 |
| Cost of funding earning assets | 0.2802% | 1,906 |
| Net interest margin | 2.1776% | 4,465 |
| Noninterest income to average assets | 0.5540% | 1,928 |
| Noninterest expense to average assets | 2.9551% | 901 |
| Loan and lease loss provision to assets | -0.2046% | 4,684 |
| Net operating income to assets | -0.1013% | 4,617 |
| Return on assets (ROA) | -0.1013% | 4,587 |
| Pretax return on assets | -0.1877% | 4,597 |
| Return on Equity (ROE) | -0.8417% | 4,587 |
| Retained earnings to average equity (ytd only) | -0.8417% | 4,283 |
| Net charge-offs to loans | -0.3743% | 4,667 |
| Credit loss provision to net charge-offs | 100.0000% | 1,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.3068% | 93 |
| Assets per employee ($millions) | 4.7759% | 3,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5842% | 4,478 |
| Loan loss allowance to noncurrent loans | 42.8319% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 0.8148% | 639 |
| Noncurrent loans to loans | 1.3640% | 564 |
| Net loans and leases to total assets | 59.3854% | 2,397 |
| Net loans and leases to deposits | 74.2644% | 1,839 |
| Net loans and leases to core deposits | 76.6318% | 1,962 |
| Total domestic deposits to total assets | 79.9648% | 4,232 |
| Equity capital to assets | 11.2091% | 1,130 |
| Core capital (leverage) ratio | 13.7380% | 677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.0149% | 207 |
| Memoranda: | ||
| Average total assets | $485,879,333 | 1,778 |
| Average earning assets | $448,204,667 | 1,789 |
| Average equity | $58,449,667 | 1,467 |
| Average total loans | $265,594,000 | 1,871 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3402% | 4,426 |
| Cost of funding earning assets | 0.2872% | 1,763 |
| Net interest margin | 2.0530% | 4,479 |
| Noninterest income to average assets | 0.6628% | 1,439 |
| Noninterest expense to average assets | 2.9222% | 923 |
| Loan and lease loss provision to assets | -0.0214% | 4,452 |
| Net operating income to assets | -0.1921% | 4,637 |
| Return on assets (ROA) | -0.1921% | 4,620 |
| Pretax return on assets | -0.3404% | 4,646 |
| Return on Equity (ROE) | -1.5437% | 4,618 |
| Retained earnings to average equity (ytd only) | -1.5437% | 4,204 |
| Net charge-offs to loans | -0.0411% | 4,193 |
| Credit loss provision to net charge-offs | 100.0000% | 1,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.1339% | 105 |
| Assets per employee ($millions) | 4.7915% | 3,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6622% | 4,445 |
| Loan loss allowance to noncurrent loans | 43.3121% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 0.8192% | 667 |
| Noncurrent loans to loans | 1.5290% | 531 |
| Net loans and leases to total assets | 53.2196% | 2,855 |
| Net loans and leases to deposits | 64.8194% | 2,454 |
| Net loans and leases to core deposits | 67.2746% | 2,512 |
| Total domestic deposits to total assets | 82.1043% | 4,061 |
| Equity capital to assets | 11.9606% | 970 |
| Core capital (leverage) ratio | 13.6884% | 634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.3635% | 170 |
| Memoranda: | ||
| Average total assets | $485,248,000 | 1,784 |
| Average earning assets | $448,508,000 | 1,796 |
| Average equity | $60,372,500 | 1,476 |
| Average total loans | $252,895,500 | 1,921 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6458% | 4,363 |
| Cost of funding earning assets | 0.3862% | 1,641 |
| Net interest margin | 2.2597% | 4,446 |
| Noninterest income to average assets | 0.5488% | 2,369 |
| Noninterest expense to average assets | 2.9845% | 1,008 |
| Loan and lease loss provision to assets | -0.1992% | 4,699 |
| Net operating income to assets | -0.0844% | 4,701 |
| Return on assets (ROA) | -0.0844% | 4,710 |
| Pretax return on assets | -0.1466% | 4,719 |
| Return on Equity (ROE) | -0.6296% | 4,708 |
| Retained earnings to average equity (ytd only) | -0.6296% | 4,558 |
| Net charge-offs to loans | -0.2828% | 4,745 |
| Credit loss provision to net charge-offs | 126.3852% | 1,609 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.1017% | 85 |
| Assets per employee ($millions) | 4.8648% | 3,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6825% | 4,449 |
| Loan loss allowance to noncurrent loans | 37.5442% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 0.9215% | 626 |
| Noncurrent loans to loans | 1.8178% | 462 |
| Net loans and leases to total assets | 50.3493% | 3,239 |
| Net loans and leases to deposits | 62.0006% | 2,883 |
| Net loans and leases to core deposits | 65.1127% | 2,894 |
| Total domestic deposits to total assets | 81.2078% | 4,078 |
| Equity capital to assets | 12.9106% | 928 |
| Core capital (leverage) ratio | 13.5916% | 678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.7769% | 179 |
| Memoranda: | ||
| Average total assets | $481,020,400 | 1,743 |
| Average earning assets | $444,887,400 | 1,751 |
| Average equity | $64,485,200 | 1,439 |
| Average total loans | $267,990,600 | 1,844 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8012% | 4,299 |
| Cost of funding earning assets | 0.4053% | 1,663 |
| Net interest margin | 2.3959% | 4,399 |
| Noninterest income to average assets | 0.5796% | 2,303 |
| Noninterest expense to average assets | 3.0089% | 956 |
| Loan and lease loss provision to assets | -0.1929% | 4,745 |
| Net operating income to assets | 0.0181% | 4,736 |
| Return on assets (ROA) | 0.0181% | 4,747 |
| Pretax return on assets | -0.0223% | 4,757 |
| Return on Equity (ROE) | 0.1338% | 4,746 |
| Retained earnings to average equity (ytd only) | 0.1338% | 4,542 |
| Net charge-offs to loans | -0.3383% | 4,816 |
| Credit loss provision to net charge-offs | 100.0000% | 1,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.7007% | 113 |
| Assets per employee ($millions) | 4.8105% | 3,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7420% | 4,437 |
| Loan loss allowance to noncurrent loans | 38.5474% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 1.0145% | 646 |
| Noncurrent loans to loans | 1.9249% | 466 |
| Net loans and leases to total assets | 52.3116% | 3,171 |
| Net loans and leases to deposits | 64.8986% | 2,745 |
| Net loans and leases to core deposits | 68.2781% | 2,755 |
| Total domestic deposits to total assets | 80.6051% | 4,148 |
| Equity capital to assets | 13.3464% | 889 |
| Core capital (leverage) ratio | 13.7464% | 689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.5351% | 187 |
| Memoranda: | ||
| Average total assets | $478,438,750 | 1,767 |
| Average earning assets | $442,134,750 | 1,781 |
| Average equity | $64,747,500 | 1,446 |
| Average total loans | $272,715,750 | 1,856 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6828% | 4,477 |
| Cost of funding earning assets | 0.4246% | 1,703 |
| Net interest margin | 2.2582% | 4,557 |
| Noninterest income to average assets | 0.4895% | 2,668 |
| Noninterest expense to average assets | 2.9952% | 994 |
| Loan and lease loss provision to assets | -0.2109% | 4,770 |
| Net operating income to assets | -0.1534% | 4,819 |
| Return on assets (ROA) | -0.1534% | 4,826 |
| Pretax return on assets | -0.2097% | 4,833 |
| Return on Equity (ROE) | -1.1280% | 4,824 |
| Retained earnings to average equity (ytd only) | -1.1280% | 4,616 |
| Net charge-offs to loans | -0.3608% | 4,858 |
| Credit loss provision to net charge-offs | 100.0000% | 1,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.3375% | 85 |
| Assets per employee ($millions) | 4.7955% | 3,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7140% | 4,513 |
| Loan loss allowance to noncurrent loans | 33.2691% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 1.1791% | 593 |
| Noncurrent loans to loans | 2.1462% | 426 |
| Net loans and leases to total assets | 54.5474% | 3,073 |
| Net loans and leases to deposits | 67.9951% | 2,618 |
| Net loans and leases to core deposits | 71.4911% | 2,647 |
| Total domestic deposits to total assets | 80.2225% | 4,206 |
| Equity capital to assets | 13.3328% | 861 |
| Core capital (leverage) ratio | 13.6787% | 678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.6513% | 207 |
| Memoranda: | ||
| Average total assets | $475,965,000 | 1,771 |
| Average earning assets | $439,460,333 | 1,788 |
| Average equity | $64,715,000 | 1,435 |
| Average total loans | $278,267,333 | 1,843 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7534% | 4,428 |
| Cost of funding earning assets | 0.4555% | 1,680 |
| Net interest margin | 2.2979% | 4,525 |
| Noninterest income to average assets | 0.5655% | 2,349 |
| Noninterest expense to average assets | 3.0150% | 969 |
| Loan and lease loss provision to assets | -0.1458% | 4,772 |
| Net operating income to assets | -0.1382% | 4,817 |
| Return on assets (ROA) | -0.1382% | 4,820 |
| Pretax return on assets | -0.1823% | 4,831 |
| Return on Equity (ROE) | -1.0064% | 4,827 |
| Retained earnings to average equity (ytd only) | -1.0064% | 4,466 |
| Net charge-offs to loans | -0.2420% | 4,815 |
| Credit loss provision to net charge-offs | 100.0000% | 1,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.2121% | 100 |
| Assets per employee ($millions) | 5.1705% | 3,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6929% | 4,583 |
| Loan loss allowance to noncurrent loans | 30.4097% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 1.3236% | 525 |
| Noncurrent loans to loans | 2.2786% | 430 |
| Net loans and leases to total assets | 57.2456% | 2,879 |
| Net loans and leases to deposits | 71.1845% | 2,401 |
| Net loans and leases to core deposits | 74.7689% | 2,448 |
| Total domestic deposits to total assets | 80.4186% | 4,150 |
| Equity capital to assets | 13.3455% | 822 |
| Core capital (leverage) ratio | 14.1669% | 625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.7693% | 206 |
| Memoranda: | ||
| Average total assets | $471,773,500 | 1,773 |
| Average earning assets | $435,527,500 | 1,791 |
| Average equity | $64,784,000 | 1,430 |
| Average total loans | $284,351,500 | 1,809 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1441% | 4,512 |
| Cost of funding earning assets | 0.6768% | 1,838 |
| Net interest margin | 2.4673% | 4,616 |
| Noninterest income to average assets | 0.5717% | 2,329 |
| Noninterest expense to average assets | 3.0525% | 1,325 |
| Loan and lease loss provision to assets | -0.1096% | 4,958 |
| Net operating income to assets | -0.0628% | 4,766 |
| Return on assets (ROA) | 0.0911% | 4,712 |
| Pretax return on assets | 0.0575% | 4,725 |
| Return on Equity (ROE) | 0.6293% | 4,713 |
| Retained earnings to average equity (ytd only) | 0.6293% | 4,336 |
| Net charge-offs to loans | -0.1774% | 4,880 |
| Credit loss provision to net charge-offs | 93.4211% | 2,901 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.2347% | 130 |
| Assets per employee ($millions) | 4.8234% | 3,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6452% | 4,665 |
| Loan loss allowance to noncurrent loans | 27.3381% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 1.5024% | 489 |
| Noncurrent loans to loans | 2.3600% | 443 |
| Net loans and leases to total assets | 62.5386% | 2,535 |
| Net loans and leases to deposits | 78.6160% | 2,012 |
| Net loans and leases to core deposits | 82.6230% | 2,147 |
| Total domestic deposits to total assets | 79.5494% | 4,130 |
| Equity capital to assets | 14.1250% | 763 |
| Core capital (leverage) ratio | 14.3519% | 625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.0492% | 232 |
| Memoranda: | ||
| Average total assets | $453,530,200 | 1,689 |
| Average earning assets | $418,146,400 | 1,703 |
| Average equity | $65,631,400 | 1,364 |
| Average total loans | $299,804,600 | 1,683 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2418% | 4,542 |
| Cost of funding earning assets | 0.7200% | 1,909 |
| Net interest margin | 2.5218% | 4,639 |
| Noninterest income to average assets | 0.5420% | 2,416 |
| Noninterest expense to average assets | 3.0272% | 1,383 |
| Loan and lease loss provision to assets | -0.0851% | 4,994 |
| Net operating income to assets | -0.0762% | 4,802 |
| Return on assets (ROA) | 0.1265% | 4,703 |
| Pretax return on assets | 0.1295% | 4,704 |
| Return on Equity (ROE) | 0.8690% | 4,719 |
| Retained earnings to average equity (ytd only) | 0.8690% | 4,291 |
| Net charge-offs to loans | -0.1426% | 4,883 |
| Credit loss provision to net charge-offs | 89.1304% | 2,705 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.6682% | 129 |
| Assets per employee ($millions) | 4.8729% | 3,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6045% | 4,715 |
| Loan loss allowance to noncurrent loans | 25.9386% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 1.6330% | 493 |
| Noncurrent loans to loans | 2.3306% | 469 |
| Net loans and leases to total assets | 68.2011% | 2,209 |
| Net loans and leases to deposits | 86.1565% | 1,680 |
| Net loans and leases to core deposits | 90.6589% | 1,915 |
| Total domestic deposits to total assets | 79.1595% | 4,034 |
| Equity capital to assets | 14.3441% | 774 |
| Core capital (leverage) ratio | 14.6222% | 600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.1410% | 239 |
| Memoranda: | ||
| Average total assets | $449,946,500 | 1,677 |
| Average earning assets | $414,450,250 | 1,689 |
| Average equity | $65,517,750 | 1,355 |
| Average total loans | $301,131,750 | 1,675 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3408% | 4,601 |
| Cost of funding earning assets | 0.7673% | 2,008 |
| Net interest margin | 2.5735% | 4,681 |
| Noninterest income to average assets | 0.4803% | 2,650 |
| Noninterest expense to average assets | 3.0395% | 1,485 |
| Loan and lease loss provision to assets | -0.0452% | 5,018 |
| Net operating income to assets | -0.1422% | 4,845 |
| Return on assets (ROA) | 0.1637% | 4,657 |
| Pretax return on assets | 0.1664% | 4,667 |
| Return on Equity (ROE) | 1.1183% | 4,671 |
| Retained earnings to average equity (ytd only) | 1.1183% | 4,070 |
| Net charge-offs to loans | -0.0917% | 4,827 |
| Credit loss provision to net charge-offs | 74.2647% | 2,529 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.7033% | 130 |
| Assets per employee ($millions) | 4.7696% | 3,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5653% | 4,777 |
| Loan loss allowance to noncurrent loans | 24.2409% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 1.8171% | 428 |
| Noncurrent loans to loans | 2.3322% | 528 |
| Net loans and leases to total assets | 72.9832% | 1,559 |
| Net loans and leases to deposits | 92.3437% | 1,118 |
| Net loans and leases to core deposits | 97.3621% | 1,466 |
| Total domestic deposits to total assets | 79.0343% | 4,031 |
| Equity capital to assets | 14.3237% | 771 |
| Core capital (leverage) ratio | 14.6276% | 632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.2660% | 258 |
| Memoranda: | ||
| Average total assets | $447,245,333 | 1,663 |
| Average earning assets | $411,583,000 | 1,671 |
| Average equity | $65,456,000 | 1,341 |
| Average total loans | $296,744,000 | 1,680 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4447% | 4,695 |
| Cost of funding earning assets | 0.8388% | 2,178 |
| Net interest margin | 2.6060% | 4,749 |
| Noninterest income to average assets | 0.4236% | 2,942 |
| Noninterest expense to average assets | 3.1209% | 1,586 |
| Loan and lease loss provision to assets | -0.0489% | 5,062 |
| Net operating income to assets | -0.2129% | 4,858 |
| Return on assets (ROA) | 0.2833% | 4,399 |
| Pretax return on assets | 0.3756% | 4,336 |
| Return on Equity (ROE) | 1.9146% | 4,463 |
| Retained earnings to average equity (ytd only) | 1.9146% | 3,477 |
| Net charge-offs to loans | -0.1068% | 4,831 |
| Credit loss provision to net charge-offs | 72.9730% | 1,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.6902% | 144 |
| Assets per employee ($millions) | 4.6746% | 3,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6867% | 4,632 |
| Loan loss allowance to noncurrent loans | 22.8153% | 4,486 |
| Noncurrent assets plus other real estate owned to assets | 2.0500% | 401 |
| Noncurrent loans to loans | 3.0100% | 357 |
| Net loans and leases to total assets | 61.3843% | 3,361 |
| Net loans and leases to deposits | 79.5168% | 2,727 |
| Net loans and leases to core deposits | 84.0586% | 2,848 |
| Total domestic deposits to total assets | 77.1966% | 4,326 |
| Equity capital to assets | 14.6947% | 839 |
| Core capital (leverage) ratio | 15.1359% | 664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.3648% | 225 |
| Memoranda: | ||
| Average total assets | $441,925,500 | 1,643 |
| Average earning assets | $406,300,000 | 1,647 |
| Average equity | $65,391,000 | 1,341 |
| Average total loans | $277,076,500 | 1,729 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7663% | 4,614 |
| Cost of funding earning assets | 0.8360% | 2,506 |
| Net interest margin | 2.9303% | 4,622 |
| Noninterest income to average assets | 0.4361% | 3,076 |
| Noninterest expense to average assets | 3.1128% | 1,728 |
| Loan and lease loss provision to assets | -0.0520% | 5,022 |
| Net operating income to assets | 0.1047% | 4,924 |
| Return on assets (ROA) | 0.1099% | 4,937 |
| Pretax return on assets | 0.0697% | 4,957 |
| Return on Equity (ROE) | 0.7518% | 4,943 |
| Retained earnings to average equity (ytd only) | 0.7518% | 4,470 |
| Net charge-offs to loans | -0.1078% | 4,967 |
| Credit loss provision to net charge-offs | 77.9661% | 2,819 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6020% | 164 |
| Assets per employee ($millions) | 4.6291% | 3,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6669% | 4,624 |
| Loan loss allowance to noncurrent loans | 21.6107% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 2.1721% | 345 |
| Noncurrent loans to loans | 3.0858% | 300 |
| Net loans and leases to total assets | 63.1710% | 3,299 |
| Net loans and leases to deposits | 81.9025% | 2,570 |
| Net loans and leases to core deposits | 86.8674% | 2,723 |
| Total domestic deposits to total assets | 77.1296% | 4,475 |
| Equity capital to assets | 14.8999% | 821 |
| Core capital (leverage) ratio | 15.1250% | 658 |
| Tier 1 risk-based capital ratio | 31.6729% | 429 |
| Total risk-based capital ratio | 32.5629% | 428 |
| Memoranda: | ||
| Average total assets | $442,136,800 | 1,592 |
| Average earning assets | $405,761,200 | 1,602 |
| Average equity | $64,641,600 | 1,302 |
| Average total loans | $273,735,200 | 1,715 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8164% | 4,655 |
| Cost of funding earning assets | 0.8228% | 2,604 |
| Net interest margin | 2.9936% | 4,631 |
| Noninterest income to average assets | 0.4032% | 3,294 |
| Noninterest expense to average assets | 3.0432% | 1,851 |
| Loan and lease loss provision to assets | -0.0657% | 5,134 |
| Net operating income to assets | 0.1945% | 4,954 |
| Return on assets (ROA) | 0.2033% | 4,963 |
| Pretax return on assets | 0.1804% | 4,991 |
| Return on Equity (ROE) | 1.3970% | 4,976 |
| Retained earnings to average equity (ytd only) | 1.3970% | 4,461 |
| Net charge-offs to loans | -0.1068% | 5,004 |
| Credit loss provision to net charge-offs | 100.0000% | 2,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6338% | 191 |
| Assets per employee ($millions) | 4.5447% | 3,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6633% | 4,710 |
| Loan loss allowance to noncurrent loans | 19.5588% | 4,620 |
| Noncurrent assets plus other real estate owned to assets | 2.2695% | 333 |
| Noncurrent loans to loans | 3.3913% | 254 |
| Net loans and leases to total assets | 61.1486% | 3,575 |
| Net loans and leases to deposits | 80.7597% | 2,823 |
| Net loans and leases to core deposits | 85.7262% | 2,933 |
| Total domestic deposits to total assets | 75.7168% | 4,675 |
| Equity capital to assets | 14.9408% | 859 |
| Core capital (leverage) ratio | 15.1131% | 721 |
| Tier 1 risk-based capital ratio | 32.0805% | 425 |
| Total risk-based capital ratio | 32.9481% | 426 |
| Memoranda: | ||
| Average total assets | $442,731,000 | 1,585 |
| Average earning assets | $406,100,000 | 1,606 |
| Average equity | $64,421,000 | 1,304 |
| Average total loans | $272,252,500 | 1,736 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8611% | 4,621 |
| Cost of funding earning assets | 0.7983% | 2,651 |
| Net interest margin | 3.0628% | 4,595 |
| Noninterest income to average assets | 0.3649% | 3,493 |
| Noninterest expense to average assets | 3.0305% | 1,916 |
| Loan and lease loss provision to assets | -0.1056% | 5,213 |
| Net operating income to assets | 0.2386% | 4,955 |
| Return on assets (ROA) | 0.2499% | 4,950 |
| Pretax return on assets | 0.2607% | 4,972 |
| Return on Equity (ROE) | 1.7329% | 4,974 |
| Retained earnings to average equity (ytd only) | 1.7329% | 4,196 |
| Net charge-offs to loans | -0.1717% | 5,107 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4804% | 211 |
| Assets per employee ($millions) | 4.5684% | 3,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6575% | 4,783 |
| Loan loss allowance to noncurrent loans | 17.2232% | 4,684 |
| Noncurrent assets plus other real estate owned to assets | 2.5291% | 290 |
| Noncurrent loans to loans | 3.8178% | 199 |
| Net loans and leases to total assets | 61.3696% | 3,614 |
| Net loans and leases to deposits | 80.7463% | 2,878 |
| Net loans and leases to core deposits | 85.5669% | 2,991 |
| Total domestic deposits to total assets | 76.0030% | 4,667 |
| Equity capital to assets | 14.7379% | 878 |
| Core capital (leverage) ratio | 14.9427% | 715 |
| Tier 1 risk-based capital ratio | 31.2178% | 446 |
| Total risk-based capital ratio | 32.0635% | 451 |
| Memoranda: | ||
| Average total assets | $443,361,670 | 1,583 |
| Average earning assets | $406,615,330 | 1,604 |
| Average equity | $63,939,670 | 1,308 |
| Average total loans | $272,547,670 | 1,744 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7435% | 4,790 |
| Cost of funding earning assets | 0.7674% | 2,698 |
| Net interest margin | 2.9761% | 4,785 |
| Noninterest income to average assets | 0.3409% | 3,582 |
| Noninterest expense to average assets | 3.0432% | 1,866 |
| Loan and lease loss provision to assets | -0.0316% | 5,240 |
| Net operating income to assets | 0.0785% | 5,101 |
| Return on assets (ROA) | 0.0938% | 5,096 |
| Pretax return on assets | 0.0731% | 5,114 |
| Return on Equity (ROE) | 0.6577% | 5,104 |
| Retained earnings to average equity (ytd only) | 0.6577% | 4,394 |
| Net charge-offs to loans | -0.0515% | 4,838 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1478% | 188 |
| Assets per employee ($millions) | 4.4892% | 3,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6640% | 4,836 |
| Loan loss allowance to noncurrent loans | 15.6713% | 4,760 |
| Noncurrent assets plus other real estate owned to assets | 2.7852% | 240 |
| Noncurrent loans to loans | 4.2373% | 165 |
| Net loans and leases to total assets | 60.5886% | 3,650 |
| Net loans and leases to deposits | 80.5651% | 2,772 |
| Net loans and leases to core deposits | 85.3921% | 2,921 |
| Total domestic deposits to total assets | 75.2045% | 4,839 |
| Equity capital to assets | 14.3589% | 918 |
| Core capital (leverage) ratio | 14.9417% | 714 |
| Tier 1 risk-based capital ratio | 30.9955% | 441 |
| Total risk-based capital ratio | 31.8410% | 447 |
| Memoranda: | ||
| Average total assets | $443,477,500 | 1,589 |
| Average earning assets | $406,571,000 | 1,609 |
| Average equity | $63,255,500 | 1,309 |
| Average total loans | $271,948,000 | 1,754 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7214% | 4,638 |
| Cost of funding earning assets | 0.5220% | 3,216 |
| Net interest margin | 3.1994% | 4,487 |
| Noninterest income to average assets | 0.4117% | 3,368 |
| Noninterest expense to average assets | 3.1978% | 1,556 |
| Loan and lease loss provision to assets | -0.0754% | 5,239 |
| Net operating income to assets | 0.2146% | 5,093 |
| Return on assets (ROA) | 0.2075% | 5,098 |
| Pretax return on assets | 0.2045% | 5,113 |
| Return on Equity (ROE) | 1.4150% | 5,120 |
| Retained earnings to average equity (ytd only) | 1.4150% | 4,568 |
| Net charge-offs to loans | -0.1285% | 5,198 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9163% | 213 |
| Assets per employee ($millions) | 4.5149% | 3,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6598% | 4,886 |
| Loan loss allowance to noncurrent loans | 15.9659% | 4,779 |
| Noncurrent assets plus other real estate owned to assets | 2.7184% | 261 |
| Noncurrent loans to loans | 4.1323% | 176 |
| Net loans and leases to total assets | 61.2540% | 3,638 |
| Net loans and leases to deposits | 81.2970% | 2,817 |
| Net loans and leases to core deposits | 86.2782% | 2,893 |
| Total domestic deposits to total assets | 75.3460% | 4,835 |
| Equity capital to assets | 14.1545% | 922 |
| Core capital (leverage) ratio | 15.0026% | 692 |
| Tier 1 risk-based capital ratio | 30.6229% | 447 |
| Total risk-based capital ratio | 31.4592% | 456 |
| Memoranda: | ||
| Average total assets | $424,536,400 | 1,611 |
| Average earning assets | $387,762,200 | 1,631 |
| Average equity | $62,262,600 | 1,279 |
| Average total loans | $248,979,600 | 1,827 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6952% | 4,662 |
| Cost of funding earning assets | 0.4575% | 3,475 |
| Net interest margin | 3.2377% | 4,436 |
| Noninterest income to average assets | 0.4136% | 3,401 |
| Noninterest expense to average assets | 3.1947% | 1,535 |
| Loan and lease loss provision to assets | -0.0774% | 5,328 |
| Net operating income to assets | 0.2438% | 5,161 |
| Return on assets (ROA) | 0.2346% | 5,167 |
| Pretax return on assets | 0.2409% | 5,182 |
| Return on Equity (ROE) | 1.5848% | 5,178 |
| Retained earnings to average equity (ytd only) | 1.5848% | 4,700 |
| Net charge-offs to loans | -0.1339% | 5,222 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8633% | 226 |
| Assets per employee ($millions) | 4.2566% | 3,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7352% | 4,797 |
| Loan loss allowance to noncurrent loans | 15.9306% | 4,899 |
| Noncurrent assets plus other real estate owned to assets | 2.9127% | 258 |
| Noncurrent loans to loans | 4.6149% | 159 |
| Net loans and leases to total assets | 58.8630% | 3,961 |
| Net loans and leases to deposits | 72.7878% | 3,699 |
| Net loans and leases to core deposits | 77.2279% | 3,719 |
| Total domestic deposits to total assets | 80.8693% | 3,900 |
| Equity capital to assets | 14.8801% | 751 |
| Core capital (leverage) ratio | 15.9045% | 531 |
| Tier 1 risk-based capital ratio | 32.4185% | 384 |
| Total risk-based capital ratio | 33.3057% | 391 |
| Memoranda: | ||
| Average total assets | $420,055,750 | 1,628 |
| Average earning assets | $383,262,000 | 1,665 |
| Average equity | $62,171,250 | 1,284 |
| Average total loans | $243,018,500 | 1,869 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6186% | 4,738 |
| Cost of funding earning assets | 0.4307% | 3,490 |
| Net interest margin | 3.1878% | 4,536 |
| Noninterest income to average assets | 0.3816% | 3,612 |
| Noninterest expense to average assets | 3.1696% | 1,611 |
| Loan and lease loss provision to assets | -0.0734% | 5,396 |
| Net operating income to assets | 0.1898% | 5,241 |
| Return on assets (ROA) | 0.1771% | 5,240 |
| Pretax return on assets | 0.1837% | 5,251 |
| Return on Equity (ROE) | 1.1984% | 5,255 |
| Retained earnings to average equity (ytd only) | 1.1984% | 4,716 |
| Net charge-offs to loans | -0.1279% | 5,233 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2478% | 219 |
| Assets per employee ($millions) | 4.4076% | 3,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7340% | 4,858 |
| Loan loss allowance to noncurrent loans | 16.2587% | 4,903 |
| Noncurrent assets plus other real estate owned to assets | 2.7987% | 282 |
| Noncurrent loans to loans | 4.5143% | 170 |
| Net loans and leases to total assets | 57.5344% | 4,034 |
| Net loans and leases to deposits | 70.9033% | 3,789 |
| Net loans and leases to core deposits | 75.2475% | 3,796 |
| Total domestic deposits to total assets | 81.1449% | 3,955 |
| Equity capital to assets | 14.6283% | 776 |
| Core capital (leverage) ratio | 15.4653% | 574 |
| Tier 1 risk-based capital ratio | 31.9594% | 410 |
| Total risk-based capital ratio | 32.8390% | 417 |
| Memoranda: | ||
| Average total assets | $422,445,670 | 1,631 |
| Average earning assets | $385,843,330 | 1,656 |
| Average equity | $62,415,670 | 1,281 |
| Average total loans | $242,412,330 | 1,875 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5873% | 4,733 |
| Cost of funding earning assets | 0.3849% | 3,697 |
| Net interest margin | 3.2024% | 4,446 |
| Noninterest income to average assets | 0.3374% | 3,903 |
| Noninterest expense to average assets | 3.1859% | 1,594 |
| Loan and lease loss provision to assets | 0.0275% | 3,158 |
| Net operating income to assets | 0.0976% | 5,331 |
| Return on assets (ROA) | 0.0976% | 5,327 |
| Pretax return on assets | 0.0493% | 5,359 |
| Return on Equity (ROE) | 0.6574% | 5,339 |
| Retained earnings to average equity (ytd only) | 0.6574% | 4,702 |
| Net charge-offs to loans | 0.0481% | 1,631 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 2.7931% | 2,435 |
| Efficiency ratio | 97.6474% | 215 |
| Assets per employee ($millions) | 4.4591% | 3,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7396% | 4,943 |
| Loan loss allowance to noncurrent loans | 15.3728% | 4,963 |
| Noncurrent assets plus other real estate owned to assets | 2.8324% | 295 |
| Noncurrent loans to loans | 4.8111% | 166 |
| Net loans and leases to total assets | 56.4329% | 4,088 |
| Net loans and leases to deposits | 69.3350% | 3,843 |
| Net loans and leases to core deposits | 73.7028% | 3,840 |
| Total domestic deposits to total assets | 81.3916% | 4,117 |
| Equity capital to assets | 14.4757% | 778 |
| Core capital (leverage) ratio | 15.6934% | 538 |
| Tier 1 risk-based capital ratio | 32.1014% | 403 |
| Total risk-based capital ratio | 32.9885% | 406 |
| Memoranda: | ||
| Average total assets | $422,105,500 | 1,649 |
| Average earning assets | $385,580,500 | 1,672 |
| Average equity | $62,675,500 | 1,279 |
| Average total loans | $240,997,000 | 1,895 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7572% | 4,195 |
| Cost of funding earning assets | 0.3553% | 3,658 |
| Net interest margin | 3.4018% | 3,851 |
| Noninterest income to average assets | 0.4699% | 3,190 |
| Noninterest expense to average assets | 3.2962% | 1,381 |
| Loan and lease loss provision to assets | -0.0685% | 5,427 |
| Net operating income to assets | 0.0258% | 5,333 |
| Return on assets (ROA) | -0.0036% | 5,367 |
| Pretax return on assets | 0.3051% | 5,207 |
| Return on Equity (ROE) | -0.0236% | 5,367 |
| Retained earnings to average equity (ytd only) | -0.0236% | 5,025 |
| Net charge-offs to loans | 0.0252% | 3,304 |
| Credit loss provision to net charge-offs | -455.5556% | 4,933 |
| Earnings coverage of net charge-offs (x) | 18.7778% | 2,061 |
| Efficiency ratio | 92.1070% | 350 |
| Assets per employee ($millions) | 4.4744% | 3,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7543% | 4,942 |
| Loan loss allowance to noncurrent loans | 15.2181% | 5,012 |
| Noncurrent assets plus other real estate owned to assets | 3.0645% | 257 |
| Noncurrent loans to loans | 4.9569% | 141 |
| Net loans and leases to total assets | 56.9118% | 4,118 |
| Net loans and leases to deposits | 67.6935% | 4,047 |
| Net loans and leases to core deposits | 71.9052% | 4,053 |
| Total domestic deposits to total assets | 84.0727% | 3,176 |
| Equity capital to assets | 15.2275% | 638 |
| Core capital (leverage) ratio | 15.7144% | 511 |
| Tier 1 risk-based capital ratio | 32.8042% | 377 |
| Total risk-based capital ratio | 33.7125% | 378 |
| Memoranda: | ||
| Average total assets | $418,811,600 | 1,638 |
| Average earning assets | $382,734,600 | 1,659 |
| Average equity | $63,632,600 | 1,245 |
| Average total loans | $250,396,000 | 1,811 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8056% | 3,994 |
| Cost of funding earning assets | 0.3497% | 3,669 |
| Net interest margin | 3.4559% | 3,654 |
| Noninterest income to average assets | 0.4923% | 3,074 |
| Noninterest expense to average assets | 3.3170% | 1,306 |
| Loan and lease loss provision to assets | -0.1093% | 5,594 |
| Net operating income to assets | 0.3599% | 5,082 |
| Return on assets (ROA) | 0.3236% | 5,197 |
| Pretax return on assets | 0.3995% | 5,193 |
| Return on Equity (ROE) | 2.1308% | 5,286 |
| Retained earnings to average equity (ytd only) | 2.1308% | 4,586 |
| Net charge-offs to loans | 0.0032% | 3,628 |
| Credit loss provision to net charge-offs | -5,733.3333% | 5,183 |
| Earnings coverage of net charge-offs (x) | 175.6625% | 485 |
| Efficiency ratio | 90.8268% | 378 |
| Assets per employee ($millions) | 4.2875% | 3,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7491% | 5,023 |
| Loan loss allowance to noncurrent loans | 14.6819% | 5,107 |
| Noncurrent assets plus other real estate owned to assets | 3.2477% | 265 |
| Noncurrent loans to loans | 5.1021% | 157 |
| Net loans and leases to total assets | 57.3451% | 4,121 |
| Net loans and leases to deposits | 68.3684% | 4,087 |
| Net loans and leases to core deposits | 72.4245% | 4,104 |
| Total domestic deposits to total assets | 83.8765% | 3,164 |
| Equity capital to assets | 15.5106% | 627 |
| Core capital (leverage) ratio | 15.8546% | 513 |
| Tier 1 risk-based capital ratio | 33.2694% | 374 |
| Total risk-based capital ratio | 34.1799% | 378 |
| Memoranda: | ||
| Average total assets | $419,485,500 | 1,645 |
| Average earning assets | $383,526,250 | 1,665 |
| Average equity | $63,699,750 | 1,249 |
| Average total loans | $253,340,250 | 1,808 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8955% | 3,558 |
| Cost of funding earning assets | 0.3477% | 3,607 |
| Net interest margin | 3.5478% | 3,223 |
| Noninterest income to average assets | 0.5106% | 2,957 |
| Noninterest expense to average assets | 3.1981% | 1,586 |
| Loan and lease loss provision to assets | -0.0366% | 5,593 |
| Net operating income to assets | 0.4621% | 4,821 |
| Return on assets (ROA) | 0.4098% | 4,986 |
| Pretax return on assets | 0.5230% | 4,965 |
| Return on Equity (ROE) | 2.7179% | 5,194 |
| Retained earnings to average equity (ytd only) | 2.7179% | 4,079 |
| Net charge-offs to loans | -0.0792% | 5,339 |
| Credit loss provision to net charge-offs | 75.4902% | 2,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2490% | 745 |
| Assets per employee ($millions) | 4.5225% | 3,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9125% | 4,585 |
| Loan loss allowance to noncurrent loans | 21.6633% | 5,093 |
| Noncurrent assets plus other real estate owned to assets | 2.6912% | 373 |
| Noncurrent loans to loans | 4.2120% | 216 |
| Net loans and leases to total assets | 56.1575% | 4,213 |
| Net loans and leases to deposits | 66.7843% | 4,166 |
| Net loans and leases to core deposits | 70.6556% | 4,185 |
| Total domestic deposits to total assets | 84.0879% | 3,158 |
| Equity capital to assets | 15.2970% | 655 |
| Core capital (leverage) ratio | 15.6217% | 524 |
| Tier 1 risk-based capital ratio | 33.1815% | 354 |
| Total risk-based capital ratio | 34.2813% | 355 |
| Memoranda: | ||
| Average total assets | $420,683,670 | 1,646 |
| Average earning assets | $384,292,330 | 1,664 |
| Average equity | $63,430,670 | 1,253 |
| Average total loans | $257,689,330 | 1,780 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8480% | 3,589 |
| Cost of funding earning assets | 0.3490% | 3,542 |
| Net interest margin | 3.4991% | 3,276 |
| Noninterest income to average assets | 0.4079% | 3,603 |
| Noninterest expense to average assets | 3.0851% | 1,903 |
| Loan and lease loss provision to assets | 0.0181% | 3,333 |
| Net operating income to assets | 0.3767% | 5,009 |
| Return on assets (ROA) | 0.3622% | 5,064 |
| Pretax return on assets | 0.4792% | 5,006 |
| Return on Equity (ROE) | 2.4199% | 5,256 |
| Retained earnings to average equity (ytd only) | 2.4199% | 4,180 |
| Net charge-offs to loans | -0.1212% | 5,505 |
| Credit loss provision to net charge-offs | -23.4568% | 3,818 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6653% | 824 |
| Assets per employee ($millions) | 4.3302% | 3,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8453% | 4,940 |
| Loan loss allowance to noncurrent loans | 23.8980% | 5,139 |
| Noncurrent assets plus other real estate owned to assets | 2.5994% | 435 |
| Noncurrent loans to loans | 3.5373% | 339 |
| Net loans and leases to total assets | 62.8320% | 3,421 |
| Net loans and leases to deposits | 74.4971% | 3,350 |
| Net loans and leases to core deposits | 78.8046% | 3,410 |
| Total domestic deposits to total assets | 84.3415% | 3,346 |
| Equity capital to assets | 15.0611% | 644 |
| Core capital (leverage) ratio | 15.5638% | 516 |
| Tier 1 risk-based capital ratio | 31.1115% | 441 |
| Total risk-based capital ratio | 32.1862% | 448 |
| Memoranda: | ||
| Average total assets | $420,729,500 | 1,659 |
| Average earning assets | $383,987,500 | 1,677 |
| Average equity | $62,977,000 | 1,260 |
| Average total loans | $267,349,500 | 1,741 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7813% | 3,967 |
| Cost of funding earning assets | 0.3572% | 3,441 |
| Net interest margin | 3.4241% | 3,730 |
| Noninterest income to average assets | 0.4214% | 3,732 |
| Noninterest expense to average assets | 3.4184% | 1,315 |
| Loan and lease loss provision to assets | -0.0340% | 5,544 |
| Net operating income to assets | 0.1567% | 5,486 |
| Return on assets (ROA) | 0.1715% | 5,506 |
| Pretax return on assets | 0.1881% | 5,508 |
| Return on Equity (ROE) | 1.1304% | 5,547 |
| Retained earnings to average equity (ytd only) | 1.1304% | 4,846 |
| Net charge-offs to loans | 0.0772% | 2,587 |
| Credit loss provision to net charge-offs | -69.9029% | 4,849 |
| Earnings coverage of net charge-offs (x) | 2.8350% | 3,765 |
| Efficiency ratio | 96.1250% | 310 |
| Assets per employee ($millions) | 4.3446% | 3,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8006% | 5,104 |
| Loan loss allowance to noncurrent loans | 23.8016% | 5,188 |
| Noncurrent assets plus other real estate owned to assets | 2.4979% | 477 |
| Noncurrent loans to loans | 3.3638% | 368 |
| Net loans and leases to total assets | 63.2101% | 3,447 |
| Net loans and leases to deposits | 74.9021% | 3,425 |
| Net loans and leases to core deposits | 79.2314% | 3,462 |
| Total domestic deposits to total assets | 84.3903% | 3,276 |
| Equity capital to assets | 14.8762% | 662 |
| Core capital (leverage) ratio | 15.3446% | 554 |
| Tier 1 risk-based capital ratio | 30.5844% | 457 |
| Total risk-based capital ratio | 31.5999% | 466 |
| Memoranda: | ||
| Average total assets | $423,794,200 | 1,606 |
| Average earning assets | $387,983,200 | 1,612 |
| Average equity | $64,315,600 | 1,219 |
| Average total loans | $266,839,000 | 1,692 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7819% | 3,975 |
| Cost of funding earning assets | 0.3556% | 3,482 |
| Net interest margin | 3.4263% | 3,749 |
| Noninterest income to average assets | 0.4147% | 3,817 |
| Noninterest expense to average assets | 3.1823% | 1,822 |
| Loan and lease loss provision to assets | -0.0245% | 5,682 |
| Net operating income to assets | 0.2944% | 5,296 |
| Return on assets (ROA) | 0.3104% | 5,350 |
| Pretax return on assets | 0.4182% | 5,271 |
| Return on Equity (ROE) | 2.0353% | 5,463 |
| Retained earnings to average equity (ytd only) | 2.0353% | 4,671 |
| Net charge-offs to loans | 0.1361% | 1,617 |
| Credit loss provision to net charge-offs | -28.6765% | 4,650 |
| Earnings coverage of net charge-offs (x) | 4.3529% | 3,281 |
| Efficiency ratio | 89.5342% | 590 |
| Assets per employee ($millions) | 4.2094% | 3,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8050% | 5,175 |
| Loan loss allowance to noncurrent loans | 22.5438% | 5,291 |
| Noncurrent assets plus other real estate owned to assets | 2.5695% | 522 |
| Noncurrent loans to loans | 3.5710% | 352 |
| Net loans and leases to total assets | 62.3122% | 3,613 |
| Net loans and leases to deposits | 74.2750% | 3,573 |
| Net loans and leases to core deposits | 78.7247% | 3,587 |
| Total domestic deposits to total assets | 83.8938% | 3,241 |
| Equity capital to assets | 15.3869% | 652 |
| Core capital (leverage) ratio | 15.4057% | 568 |
| Tier 1 risk-based capital ratio | 30.9759% | 445 |
| Total risk-based capital ratio | 32.0003% | 454 |
| Memoranda: | ||
| Average total assets | $424,385,000 | 1,602 |
| Average earning assets | $388,864,250 | 1,612 |
| Average equity | $64,721,250 | 1,221 |
| Average total loans | $266,414,500 | 1,696 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7922% | 3,980 |
| Cost of funding earning assets | 0.3553% | 3,509 |
| Net interest margin | 3.4369% | 3,734 |
| Noninterest income to average assets | 0.3810% | 4,018 |
| Noninterest expense to average assets | 3.1792% | 1,865 |
| Loan and lease loss provision to assets | -0.0373% | 5,813 |
| Net operating income to assets | 0.2807% | 5,368 |
| Return on assets (ROA) | 0.3027% | 5,402 |
| Pretax return on assets | 0.4164% | 5,316 |
| Return on Equity (ROE) | 1.9910% | 5,508 |
| Retained earnings to average equity (ytd only) | 1.9910% | 4,570 |
| Net charge-offs to loans | 0.2412% | 979 |
| Credit loss provision to net charge-offs | -24.6106% | 4,484 |
| Earnings coverage of net charge-offs (x) | 2.3053% | 3,292 |
| Efficiency ratio | 90.1096% | 597 |
| Assets per employee ($millions) | 4.3009% | 3,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7875% | 5,309 |
| Loan loss allowance to noncurrent loans | 21.5983% | 5,399 |
| Noncurrent assets plus other real estate owned to assets | 2.5736% | 523 |
| Noncurrent loans to loans | 3.6459% | 358 |
| Net loans and leases to total assets | 62.1384% | 3,611 |
| Net loans and leases to deposits | 74.3462% | 3,547 |
| Net loans and leases to core deposits | 78.9462% | 3,556 |
| Total domestic deposits to total assets | 83.5798% | 3,433 |
| Equity capital to assets | 15.3361% | 660 |
| Core capital (leverage) ratio | 15.1753% | 577 |
| Tier 1 risk-based capital ratio | 31.0233% | 456 |
| Total risk-based capital ratio | 32.0307% | 457 |
| Memoranda: | ||
| Average total assets | $424,130,670 | 1,601 |
| Average earning assets | $388,375,670 | 1,612 |
| Average equity | $64,489,330 | 1,224 |
| Average total loans | $266,196,330 | 1,688 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7700% | 4,060 |
| Cost of funding earning assets | 0.3550% | 3,551 |
| Net interest margin | 3.4150% | 3,819 |
| Noninterest income to average assets | 0.3374% | 4,320 |
| Noninterest expense to average assets | 3.0702% | 2,180 |
| Loan and lease loss provision to assets | 0.0794% | 2,373 |
| Net operating income to assets | 0.2355% | 5,462 |
| Return on assets (ROA) | 0.2618% | 5,471 |
| Pretax return on assets | 0.3496% | 5,405 |
| Return on Equity (ROE) | 1.7291% | 5,567 |
| Retained earnings to average equity (ytd only) | 1.7291% | 4,580 |
| Net charge-offs to loans | 0.1263% | 1,344 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 4.9643% | 2,374 |
| Efficiency ratio | 88.6252% | 769 |
| Assets per employee ($millions) | 4.2713% | 3,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9422% | 4,893 |
| Loan loss allowance to noncurrent loans | 21.7884% | 5,428 |
| Noncurrent assets plus other real estate owned to assets | 2.9996% | 419 |
| Noncurrent loans to loans | 4.3243% | 260 |
| Net loans and leases to total assets | 62.1583% | 3,504 |
| Net loans and leases to deposits | 73.9317% | 3,443 |
| Net loans and leases to core deposits | 78.4758% | 3,454 |
| Total domestic deposits to total assets | 84.0754% | 3,486 |
| Equity capital to assets | 15.2535% | 644 |
| Core capital (leverage) ratio | 15.2539% | 567 |
| Tier 1 risk-based capital ratio | 30.7078% | 476 |
| Total risk-based capital ratio | 31.9017% | 471 |
| Memoranda: | ||
| Average total assets | $423,295,500 | 1,603 |
| Average earning assets | $387,583,000 | 1,615 |
| Average equity | $64,080,500 | 1,225 |
| Average total loans | $265,954,000 | 1,689 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7539% | 4,181 |
| Cost of funding earning assets | 0.3430% | 3,762 |
| Net interest margin | 3.4109% | 3,866 |
| Noninterest income to average assets | 0.3753% | 4,224 |
| Noninterest expense to average assets | 3.2545% | 1,825 |
| Loan and lease loss provision to assets | 0.4648% | 256 |
| Net operating income to assets | -0.1180% | 5,932 |
| Return on assets (ROA) | 0.1227% | 5,770 |
| Pretax return on assets | 0.0092% | 5,884 |
| Return on Equity (ROE) | 0.8150% | 5,801 |
| Retained earnings to average equity (ytd only) | 0.8150% | 5,196 |
| Net charge-offs to loans | 0.5988% | 402 |
| Credit loss provision to net charge-offs | 123.4483% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.6194% | 4,201 |
| Efficiency ratio | 93.3135% | 514 |
| Assets per employee ($millions) | 4.3639% | 3,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0151% | 4,515 |
| Loan loss allowance to noncurrent loans | 24.5589% | 5,415 |
| Noncurrent assets plus other real estate owned to assets | 2.8536% | 479 |
| Noncurrent loans to loans | 4.1335% | 285 |
| Net loans and leases to total assets | 62.1958% | 3,533 |
| Net loans and leases to deposits | 73.7691% | 3,520 |
| Net loans and leases to core deposits | 78.4060% | 3,502 |
| Total domestic deposits to total assets | 84.3114% | 3,360 |
| Equity capital to assets | 15.0087% | 665 |
| Core capital (leverage) ratio | 15.0970% | 598 |
| Tier 1 risk-based capital ratio | 30.6365% | 479 |
| Total risk-based capital ratio | 31.8870% | 472 |
| Memoranda: | ||
| Average total assets | $423,660,200 | 1,567 |
| Average earning assets | $386,588,000 | 1,582 |
| Average equity | $63,803,200 | 1,179 |
| Average total loans | $266,385,200 | 1,640 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7614% | 4,216 |
| Cost of funding earning assets | 0.3406% | 3,854 |
| Net interest margin | 3.4207% | 3,869 |
| Noninterest income to average assets | 0.3678% | 4,298 |
| Noninterest expense to average assets | 3.2213% | 1,913 |
| Loan and lease loss provision to assets | 0.4805% | 218 |
| Net operating income to assets | -0.1850% | 6,039 |
| Return on assets (ROA) | 0.1082% | 5,876 |
| Pretax return on assets | 0.0780% | 5,908 |
| Return on Equity (ROE) | 0.7181% | 5,894 |
| Retained earnings to average equity (ytd only) | 0.7181% | 5,400 |
| Net charge-offs to loans | 0.7770% | 267 |
| Credit loss provision to net charge-offs | 98.3258% | 2,328 |
| Earnings coverage of net charge-offs (x) | 0.5428% | 3,939 |
| Efficiency ratio | 92.3924% | 545 |
| Assets per employee ($millions) | 4.1759% | 3,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8704% | 5,299 |
| Loan loss allowance to noncurrent loans | 26.3490% | 5,499 |
| Noncurrent assets plus other real estate owned to assets | 2.3795% | 755 |
| Noncurrent loans to loans | 3.3034% | 500 |
| Net loans and leases to total assets | 62.1067% | 3,589 |
| Net loans and leases to deposits | 73.7915% | 3,566 |
| Net loans and leases to core deposits | 78.9179% | 3,516 |
| Total domestic deposits to total assets | 84.1652% | 3,356 |
| Equity capital to assets | 15.1105% | 715 |
| Core capital (leverage) ratio | 15.0339% | 632 |
| Tier 1 risk-based capital ratio | 30.8399% | 476 |
| Total risk-based capital ratio | 31.9530% | 482 |
| Memoranda: | ||
| Average total assets | $423,751,750 | 1,577 |
| Average earning assets | $386,338,750 | 1,587 |
| Average equity | $63,871,250 | 1,190 |
| Average total loans | $266,488,750 | 1,648 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7433% | 4,265 |
| Cost of funding earning assets | 0.3365% | 3,964 |
| Net interest margin | 3.4068% | 3,892 |
| Noninterest income to average assets | 0.3511% | 4,447 |
| Noninterest expense to average assets | 3.2171% | 1,932 |
| Loan and lease loss provision to assets | 0.4901% | 205 |
| Net operating income to assets | -0.2069% | 6,109 |
| Return on assets (ROA) | 0.1329% | 5,876 |
| Pretax return on assets | 0.0891% | 5,939 |
| Return on Equity (ROE) | 0.8824% | 5,918 |
| Retained earnings to average equity (ytd only) | 0.8824% | 5,213 |
| Net charge-offs to loans | 0.7940% | 277 |
| Credit loss provision to net charge-offs | 98.0207% | 2,102 |
| Earnings coverage of net charge-offs (x) | 0.4788% | 3,652 |
| Efficiency ratio | 93.0743% | 570 |
| Assets per employee ($millions) | 4.1263% | 3,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9164% | 5,236 |
| Loan loss allowance to noncurrent loans | 31.8098% | 5,466 |
| Noncurrent assets plus other real estate owned to assets | 2.2310% | 922 |
| Noncurrent loans to loans | 2.8807% | 705 |
| Net loans and leases to total assets | 61.6184% | 3,609 |
| Net loans and leases to deposits | 73.3271% | 3,573 |
| Net loans and leases to core deposits | 78.2516% | 3,550 |
| Total domestic deposits to total assets | 84.0323% | 3,550 |
| Equity capital to assets | 14.9470% | 716 |
| Core capital (leverage) ratio | 15.0137% | 610 |
| Tier 1 risk-based capital ratio | 31.4577% | 479 |
| Total risk-based capital ratio | 32.6545% | 476 |
| Memoranda: | ||
| Average total assets | $424,415,330 | 1,586 |
| Average earning assets | $386,873,330 | 1,600 |
| Average equity | $63,918,330 | 1,197 |
| Average total loans | $267,237,670 | 1,645 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8067% | 3,986 |
| Cost of funding earning assets | 0.3310% | 4,079 |
| Net interest margin | 3.4757% | 3,526 |
| Noninterest income to average assets | 0.2745% | 4,980 |
| Noninterest expense to average assets | 3.0992% | 2,272 |
| Loan and lease loss provision to assets | 0.0943% | 2,108 |
| Net operating income to assets | 0.2118% | 5,656 |
| Return on assets (ROA) | 0.7762% | 3,525 |
| Pretax return on assets | 0.9299% | 3,780 |
| Return on Equity (ROE) | 5.1346% | 4,459 |
| Retained earnings to average equity (ytd only) | 5.1346% | 2,978 |
| Net charge-offs to loans | 0.2337% | 1,016 |
| Credit loss provision to net charge-offs | 63.6943% | 1,962 |
| Earnings coverage of net charge-offs (x) | 2.3248% | 2,780 |
| Efficiency ratio | 90.0027% | 846 |
| Assets per employee ($millions) | 4.0846% | 3,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8910% | 5,460 |
| Loan loss allowance to noncurrent loans | 30.8548% | 5,525 |
| Noncurrent assets plus other real estate owned to assets | 2.1799% | 1,056 |
| Noncurrent loans to loans | 2.8878% | 779 |
| Net loans and leases to total assets | 62.4764% | 3,290 |
| Net loans and leases to deposits | 74.2001% | 3,287 |
| Net loans and leases to core deposits | 79.3576% | 3,242 |
| Total domestic deposits to total assets | 84.2000% | 3,740 |
| Equity capital to assets | 15.1555% | 689 |
| Core capital (leverage) ratio | 15.1478% | 587 |
| Tier 1 risk-based capital ratio | 32.6686% | 438 |
| Total risk-based capital ratio | 33.8827% | 436 |
| Memoranda: | ||
| Average total assets | $424,116,000 | 1,594 |
| Average earning assets | $386,685,000 | 1,602 |
| Average equity | $64,114,000 | 1,191 |
| Average total loans | $268,702,000 | 1,633 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7604% | 4,621 |
| Cost of funding earning assets | 0.3975% | 3,715 |
| Net interest margin | 3.3628% | 4,360 |
| Noninterest income to average assets | 0.4586% | 3,786 |
| Noninterest expense to average assets | 3.1699% | 2,294 |
| Loan and lease loss provision to assets | 0.3956% | 450 |
| Net operating income to assets | 0.0366% | 6,046 |
| Return on assets (ROA) | 0.0366% | 6,070 |
| Pretax return on assets | -0.0373% | 6,118 |
| Return on Equity (ROE) | 0.2545% | 6,078 |
| Retained earnings to average equity (ytd only) | 0.2545% | 5,665 |
| Net charge-offs to loans | 1.0195% | 290 |
| Credit loss provision to net charge-offs | 62.5938% | 3,242 |
| Earnings coverage of net charge-offs (x) | 0.5670% | 4,612 |
| Efficiency ratio | 89.8438% | 853 |
| Assets per employee ($millions) | 4.1538% | 3,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9800% | 5,156 |
| Loan loss allowance to noncurrent loans | 50.3812% | 5,090 |
| Noncurrent assets plus other real estate owned to assets | 1.5997% | 1,686 |
| Noncurrent loans to loans | 1.9452% | 1,443 |
| Net loans and leases to total assets | 63.0288% | 3,356 |
| Net loans and leases to deposits | 74.8468% | 3,330 |
| Net loans and leases to core deposits | 79.9962% | 3,297 |
| Total domestic deposits to total assets | 84.2105% | 3,622 |
| Equity capital to assets | 15.1301% | 684 |
| Core capital (leverage) ratio | 13.9177% | 837 |
| Tier 1 risk-based capital ratio | 30.3402% | 496 |
| Total risk-based capital ratio | 31.5915% | 492 |
| Memoranda: | ||
| Average total assets | $442,890,200 | 1,502 |
| Average earning assets | $404,270,400 | 1,512 |
| Average equity | $63,665,000 | 1,148 |
| Average total loans | $274,558,600 | 1,551 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7287% | 4,776 |
| Cost of funding earning assets | 0.4194% | 3,585 |
| Net interest margin | 3.3093% | 4,566 |
| Noninterest income to average assets | 0.3556% | 4,597 |
| Noninterest expense to average assets | 3.1086% | 2,444 |
| Loan and lease loss provision to assets | 0.2469% | 882 |
| Net operating income to assets | 0.0465% | 6,093 |
| Return on assets (ROA) | 0.0465% | 6,120 |
| Pretax return on assets | 0.0223% | 6,131 |
| Return on Equity (ROE) | 0.3273% | 6,122 |
| Retained earnings to average equity (ytd only) | 0.3273% | 5,709 |
| Net charge-offs to loans | 0.9060% | 357 |
| Credit loss provision to net charge-offs | 44.2369% | 3,217 |
| Earnings coverage of net charge-offs (x) | 0.4824% | 4,374 |
| Efficiency ratio | 92.0296% | 709 |
| Assets per employee ($millions) | 4.1892% | 3,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9709% | 5,342 |
| Loan loss allowance to noncurrent loans | 56.9552% | 4,885 |
| Noncurrent assets plus other real estate owned to assets | 1.5941% | 1,910 |
| Noncurrent loans to loans | 1.7046% | 1,910 |
| Net loans and leases to total assets | 63.7648% | 3,215 |
| Net loans and leases to deposits | 75.8178% | 3,201 |
| Net loans and leases to core deposits | 81.0147% | 3,198 |
| Total domestic deposits to total assets | 84.1028% | 3,717 |
| Equity capital to assets | 15.0381% | 726 |
| Core capital (leverage) ratio | 13.9639% | 851 |
| Tier 1 risk-based capital ratio | 30.2176% | 512 |
| Total risk-based capital ratio | 31.4689% | 507 |
| Memoranda: | ||
| Average total assets | $447,689,750 | 1,495 |
| Average earning assets | $408,854,250 | 1,506 |
| Average equity | $63,555,000 | 1,160 |
| Average total loans | $275,775,500 | 1,552 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6618% | 4,974 |
| Cost of funding earning assets | 0.4296% | 3,555 |
| Net interest margin | 3.2322% | 4,836 |
| Noninterest income to average assets | 0.3847% | 4,370 |
| Noninterest expense to average assets | 3.0683% | 2,599 |
| Loan and lease loss provision to assets | 0.3343% | 557 |
| Net operating income to assets | 0.0053% | 6,180 |
| Return on assets (ROA) | 0.0053% | 6,203 |
| Pretax return on assets | -0.0636% | 6,232 |
| Return on Equity (ROE) | 0.0378% | 6,206 |
| Retained earnings to average equity (ytd only) | 0.0378% | 5,667 |
| Net charge-offs to loans | 1.1969% | 263 |
| Credit loss provision to net charge-offs | 45.9867% | 2,851 |
| Earnings coverage of net charge-offs (x) | 0.3724% | 4,057 |
| Efficiency ratio | 91.6437% | 786 |
| Assets per employee ($millions) | 4.4211% | 3,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0204% | 5,266 |
| Loan loss allowance to noncurrent loans | 52.5179% | 5,080 |
| Noncurrent assets plus other real estate owned to assets | 1.7520% | 1,857 |
| Noncurrent loans to loans | 1.9430% | 1,746 |
| Net loans and leases to total assets | 60.7151% | 3,603 |
| Net loans and leases to deposits | 74.7477% | 3,236 |
| Net loans and leases to core deposits | 79.7364% | 3,241 |
| Total domestic deposits to total assets | 81.2267% | 4,910 |
| Equity capital to assets | 14.2172% | 892 |
| Core capital (leverage) ratio | 13.2034% | 1,085 |
| Tier 1 risk-based capital ratio | 29.6769% | 537 |
| Total risk-based capital ratio | 30.9288% | 527 |
| Memoranda: | ||
| Average total assets | $455,882,670 | 1,471 |
| Average earning assets | $416,682,670 | 1,477 |
| Average equity | $63,530,670 | 1,154 |
| Average total loans | $276,887,000 | 1,544 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6203% | 5,103 |
| Cost of funding earning assets | 0.4512% | 3,415 |
| Net interest margin | 3.1690% | 5,017 |
| Noninterest income to average assets | 0.3717% | 4,416 |
| Noninterest expense to average assets | 2.9807% | 2,934 |
| Loan and lease loss provision to assets | 0.1216% | 1,977 |
| Net operating income to assets | 0.1424% | 5,945 |
| Return on assets (ROA) | 0.1424% | 5,976 |
| Pretax return on assets | 0.1668% | 5,983 |
| Return on Equity (ROE) | 1.0322% | 6,032 |
| Retained earnings to average equity (ytd only) | 1.0322% | 5,184 |
| Net charge-offs to loans | 0.6179% | 598 |
| Credit loss provision to net charge-offs | 32.5581% | 2,375 |
| Earnings coverage of net charge-offs (x) | 0.7721% | 3,266 |
| Efficiency ratio | 90.9671% | 956 |
| Assets per employee ($millions) | 4.4823% | 2,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2321% | 4,471 |
| Loan loss allowance to noncurrent loans | 58.9153% | 4,886 |
| Noncurrent assets plus other real estate owned to assets | 1.9975% | 1,715 |
| Noncurrent loans to loans | 2.0913% | 1,768 |
| Net loans and leases to total assets | 59.0362% | 3,694 |
| Net loans and leases to deposits | 75.2178% | 2,917 |
| Net loans and leases to core deposits | 79.9529% | 2,969 |
| Total domestic deposits to total assets | 78.4870% | 5,755 |
| Equity capital to assets | 13.7836% | 994 |
| Core capital (leverage) ratio | 12.8116% | 1,239 |
| Tier 1 risk-based capital ratio | 30.0902% | 525 |
| Total risk-based capital ratio | 31.3465% | 516 |
| Memoranda: | ||
| Average total assets | $460,560,000 | 1,466 |
| Average earning assets | $421,075,500 | 1,469 |
| Average equity | $63,554,000 | 1,155 |
| Average total loans | $278,378,000 | 1,540 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8641% | 4,596 |
| Cost of funding earning assets | 0.4984% | 3,632 |
| Net interest margin | 3.3657% | 4,419 |
| Noninterest income to average assets | 0.2043% | 5,858 |
| Noninterest expense to average assets | 2.9435% | 3,220 |
| Loan and lease loss provision to assets | -0.2402% | 6,633 |
| Net operating income to assets | 0.4314% | 5,032 |
| Return on assets (ROA) | 0.4314% | 5,152 |
| Pretax return on assets | 0.5836% | 4,918 |
| Return on Equity (ROE) | 3.2230% | 5,422 |
| Retained earnings to average equity (ytd only) | 3.2230% | 3,936 |
| Net charge-offs to loans | -0.4460% | 6,714 |
| Credit loss provision to net charge-offs | 86.2414% | 2,864 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4085% | 1,072 |
| Assets per employee ($millions) | 4.4606% | 2,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3141% | 4,071 |
| Loan loss allowance to noncurrent loans | 133.2130% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 1.3862% | 2,669 |
| Noncurrent loans to loans | 0.9865% | 3,547 |
| Net loans and leases to total assets | 60.3143% | 3,658 |
| Net loans and leases to deposits | 77.0441% | 2,849 |
| Net loans and leases to core deposits | 81.4066% | 2,965 |
| Total domestic deposits to total assets | 78.2854% | 5,782 |
| Equity capital to assets | 13.8150% | 960 |
| Core capital (leverage) ratio | 12.8518% | 1,198 |
| Tier 1 risk-based capital ratio | 27.2944% | 654 |
| Total risk-based capital ratio | 28.5504% | 640 |
| Memoranda: | ||
| Average total assets | $467,068,600 | 1,415 |
| Average earning assets | $427,782,800 | 1,429 |
| Average equity | $62,520,000 | 1,152 |
| Average total loans | $291,688,000 | 1,454 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9067% | 4,476 |
| Cost of funding earning assets | 0.5054% | 3,720 |
| Net interest margin | 3.4012% | 4,281 |
| Noninterest income to average assets | 0.2198% | 5,855 |
| Noninterest expense to average assets | 2.8541% | 3,468 |
| Loan and lease loss provision to assets | -0.2877% | 6,770 |
| Net operating income to assets | 0.4262% | 5,134 |
| Return on assets (ROA) | 0.4262% | 5,279 |
| Pretax return on assets | 0.7699% | 4,419 |
| Return on Equity (ROE) | 3.2090% | 5,528 |
| Retained earnings to average equity (ytd only) | 3.2090% | 4,393 |
| Net charge-offs to loans | -0.5471% | 6,789 |
| Credit loss provision to net charge-offs | 83.7748% | 2,753 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4282% | 1,425 |
| Assets per employee ($millions) | 4.5147% | 2,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3121% | 4,324 |
| Loan loss allowance to noncurrent loans | 91.5083% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 1.7894% | 2,288 |
| Noncurrent loans to loans | 1.4339% | 3,013 |
| Net loans and leases to total assets | 59.9567% | 3,698 |
| Net loans and leases to deposits | 76.5369% | 2,877 |
| Net loans and leases to core deposits | 80.6021% | 3,059 |
| Total domestic deposits to total assets | 78.3370% | 5,852 |
| Equity capital to assets | 13.5384% | 1,104 |
| Core capital (leverage) ratio | 12.5969% | 1,368 |
| Tier 1 risk-based capital ratio | 26.5621% | 738 |
| Total risk-based capital ratio | 27.8176% | 727 |
| Memoranda: | ||
| Average total assets | $468,975,250 | 1,416 |
| Average earning assets | $429,716,250 | 1,426 |
| Average equity | $62,282,000 | 1,166 |
| Average total loans | $294,410,250 | 1,432 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9818% | 4,179 |
| Cost of funding earning assets | 0.5115% | 3,794 |
| Net interest margin | 3.4704% | 3,924 |
| Noninterest income to average assets | 0.2615% | 5,590 |
| Noninterest expense to average assets | 2.7778% | 3,752 |
| Loan and lease loss provision to assets | -0.0940% | 6,703 |
| Net operating income to assets | 0.4933% | 4,831 |
| Return on assets (ROA) | 0.4933% | 5,005 |
| Pretax return on assets | 0.7574% | 4,478 |
| Return on Equity (ROE) | 3.7385% | 5,317 |
| Retained earnings to average equity (ytd only) | 3.7385% | 3,920 |
| Net charge-offs to loans | -0.2641% | 6,732 |
| Credit loss provision to net charge-offs | 56.0914% | 3,098 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6228% | 2,074 |
| Assets per employee ($millions) | 4.5442% | 2,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2714% | 4,639 |
| Loan loss allowance to noncurrent loans | 67.4478% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 1.9835% | 2,168 |
| Noncurrent loans to loans | 1.8850% | 2,518 |
| Net loans and leases to total assets | 61.1208% | 3,460 |
| Net loans and leases to deposits | 77.9963% | 2,573 |
| Net loans and leases to core deposits | 82.2316% | 2,778 |
| Total domestic deposits to total assets | 78.3637% | 5,905 |
| Equity capital to assets | 13.3782% | 1,191 |
| Core capital (leverage) ratio | 12.4535% | 1,382 |
| Tier 1 risk-based capital ratio | 25.6178% | 809 |
| Total risk-based capital ratio | 26.8726% | 793 |
| Memoranda: | ||
| Average total assets | $470,294,000 | 1,409 |
| Average earning assets | $430,905,670 | 1,418 |
| Average equity | $62,057,330 | 1,175 |
| Average total loans | $298,374,670 | 1,416 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0456% | 3,935 |
| Cost of funding earning assets | 0.5226% | 3,861 |
| Net interest margin | 3.5230% | 3,606 |
| Noninterest income to average assets | 0.3173% | 5,156 |
| Noninterest expense to average assets | 2.7237% | 3,968 |
| Loan and lease loss provision to assets | -0.0272% | 6,759 |
| Net operating income to assets | 0.5439% | 4,483 |
| Return on assets (ROA) | 0.5439% | 4,633 |
| Pretax return on assets | 0.8468% | 3,963 |
| Return on Equity (ROE) | 4.1504% | 5,014 |
| Retained earnings to average equity (ytd only) | 4.1504% | 3,729 |
| Net charge-offs to loans | -0.0674% | 6,258 |
| Credit loss provision to net charge-offs | 62.7451% | 2,400 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7720% | 2,798 |
| Assets per employee ($millions) | 4.5297% | 2,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1889% | 5,229 |
| Loan loss allowance to noncurrent loans | 55.0444% | 4,930 |
| Noncurrent assets plus other real estate owned to assets | 2.1508% | 2,184 |
| Noncurrent loans to loans | 2.1598% | 2,436 |
| Net loans and leases to total assets | 62.2790% | 3,008 |
| Net loans and leases to deposits | 79.3016% | 2,171 |
| Net loans and leases to core deposits | 83.3577% | 2,417 |
| Total domestic deposits to total assets | 78.5344% | 6,040 |
| Equity capital to assets | 13.1818% | 1,347 |
| Core capital (leverage) ratio | 12.2719% | 1,434 |
| Tier 1 risk-based capital ratio | 24.8680% | 905 |
| Total risk-based capital ratio | 26.1215% | 895 |
| Memoranda: | ||
| Average total assets | $471,415,000 | 1,424 |
| Average earning assets | $431,682,500 | 1,425 |
| Average equity | $61,777,500 | 1,192 |
| Average total loans | $302,681,500 | 1,399 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2680% | 4,328 |
| Cost of funding earning assets | 0.6835% | 3,629 |
| Net interest margin | 3.5846% | 4,160 |
| Noninterest income to average assets | 0.1855% | 6,071 |
| Noninterest expense to average assets | 2.7992% | 4,024 |
| Loan and lease loss provision to assets | 0.7267% | 699 |
| Net operating income to assets | -0.0055% | 6,176 |
| Return on assets (ROA) | -0.0025% | 6,308 |
| Pretax return on assets | -0.0497% | 6,331 |
| Return on Equity (ROE) | -0.0195% | 6,309 |
| Retained earnings to average equity (ytd only) | -0.0195% | 5,846 |
| Net charge-offs to loans | 1.1337% | 916 |
| Credit loss provision to net charge-offs | 92.3947% | 3,373 |
| Earnings coverage of net charge-offs (x) | 0.8547% | 5,049 |
| Efficiency ratio | 80.5509% | 2,079 |
| Assets per employee ($millions) | 4.5360% | 2,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1383% | 5,391 |
| Loan loss allowance to noncurrent loans | 39.9613% | 5,621 |
| Noncurrent assets plus other real estate owned to assets | 2.4903% | 1,965 |
| Noncurrent loans to loans | 2.8485% | 1,843 |
| Net loans and leases to total assets | 64.6398% | 2,790 |
| Net loans and leases to deposits | 82.2516% | 1,968 |
| Net loans and leases to core deposits | 86.5004% | 2,248 |
| Total domestic deposits to total assets | 78.5879% | 5,972 |
| Equity capital to assets | 13.0277% | 1,440 |
| Core capital (leverage) ratio | 12.1280% | 1,491 |
| Tier 1 risk-based capital ratio | 23.5812% | 1,022 |
| Total risk-based capital ratio | 24.8338% | 1,003 |
| Memoranda: | ||
| Average total assets | $483,146,400 | 1,376 |
| Average earning assets | $442,896,000 | 1,362 |
| Average equity | $61,393,200 | 1,160 |
| Average total loans | $335,193,200 | 1,257 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3705% | 4,168 |
| Cost of funding earning assets | 0.7125% | 3,657 |
| Net interest margin | 3.6580% | 3,970 |
| Noninterest income to average assets | 0.1342% | 6,469 |
| Noninterest expense to average assets | 2.7407% | 4,210 |
| Loan and lease loss provision to assets | 0.8949% | 495 |
| Net operating income to assets | -0.0716% | 6,374 |
| Return on assets (ROA) | -0.0678% | 6,477 |
| Pretax return on assets | -0.1405% | 6,505 |
| Return on Equity (ROE) | -0.5366% | 6,465 |
| Retained earnings to average equity (ytd only) | -0.5366% | 6,186 |
| Net charge-offs to loans | 1.0881% | 948 |
| Credit loss provision to net charge-offs | 116.9176% | 2,486 |
| Earnings coverage of net charge-offs (x) | 0.9778% | 4,833 |
| Efficiency ratio | 78.4636% | 2,325 |
| Assets per employee ($millions) | 4.4747% | 2,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3154% | 4,744 |
| Loan loss allowance to noncurrent loans | 44.2144% | 5,448 |
| Noncurrent assets plus other real estate owned to assets | 2.5694% | 2,055 |
| Noncurrent loans to loans | 2.9750% | 1,879 |
| Net loans and leases to total assets | 66.9385% | 2,479 |
| Net loans and leases to deposits | 85.1325% | 1,710 |
| Net loans and leases to core deposits | 89.7942% | 2,011 |
| Total domestic deposits to total assets | 78.6287% | 5,948 |
| Equity capital to assets | 12.7867% | 1,719 |
| Core capital (leverage) ratio | 11.9072% | 1,715 |
| Tier 1 risk-based capital ratio | 23.2370% | 1,139 |
| Total risk-based capital ratio | 24.4931% | 1,114 |
| Memoranda: | ||
| Average total assets | $485,997,500 | 1,385 |
| Average earning assets | $445,736,750 | 1,380 |
| Average equity | $61,377,250 | 1,173 |
| Average total loans | $341,880,500 | 1,244 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4251% | 4,086 |
| Cost of funding earning assets | 0.7365% | 3,710 |
| Net interest margin | 3.6886% | 3,878 |
| Noninterest income to average assets | 0.0082% | 6,971 |
| Noninterest expense to average assets | 2.6740% | 4,521 |
| Loan and lease loss provision to assets | 0.7867% | 644 |
| Net operating income to assets | -0.0472% | 6,379 |
| Return on assets (ROA) | -0.0414% | 6,486 |
| Pretax return on assets | -0.0635% | 6,490 |
| Return on Equity (ROE) | -0.3288% | 6,484 |
| Retained earnings to average equity (ytd only) | -0.3288% | 6,091 |
| Net charge-offs to loans | 0.8579% | 1,290 |
| Credit loss provision to net charge-offs | 128.8397% | 2,135 |
| Earnings coverage of net charge-offs (x) | 1.1697% | 4,429 |
| Efficiency ratio | 78.8494% | 2,344 |
| Assets per employee ($millions) | 4.5541% | 2,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2617% | 5,074 |
| Loan loss allowance to noncurrent loans | 39.6364% | 5,676 |
| Noncurrent assets plus other real estate owned to assets | 2.7889% | 1,974 |
| Noncurrent loans to loans | 3.1832% | 1,830 |
| Net loans and leases to total assets | 67.9329% | 2,296 |
| Net loans and leases to deposits | 86.2742% | 1,564 |
| Net loans and leases to core deposits | 90.8649% | 1,888 |
| Total domestic deposits to total assets | 78.7407% | 6,005 |
| Equity capital to assets | 12.5938% | 1,755 |
| Core capital (leverage) ratio | 11.7318% | 1,761 |
| Tier 1 risk-based capital ratio | 22.6872% | 1,178 |
| Total risk-based capital ratio | 23.9428% | 1,162 |
| Memoranda: | ||
| Average total assets | $488,398,000 | 1,384 |
| Average earning assets | $447,537,330 | 1,382 |
| Average equity | $61,429,000 | 1,162 |
| Average total loans | $347,583,670 | 1,206 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4465% | 4,133 |
| Cost of funding earning assets | 0.7666% | 3,728 |
| Net interest margin | 3.6800% | 3,923 |
| Noninterest income to average assets | 0.0393% | 6,975 |
| Noninterest expense to average assets | 2.6579% | 4,596 |
| Loan and lease loss provision to assets | 0.7183% | 718 |
| Net operating income to assets | -0.0155% | 6,442 |
| Return on assets (ROA) | -0.0155% | 6,549 |
| Pretax return on assets | 0.0286% | 6,488 |
| Return on Equity (ROE) | -0.1237% | 6,545 |
| Retained earnings to average equity (ytd only) | -0.1237% | 6,008 |
| Net charge-offs to loans | 0.6536% | 1,497 |
| Credit loss provision to net charge-offs | 151.9031% | 1,647 |
| Earnings coverage of net charge-offs (x) | 1.5796% | 3,542 |
| Efficiency ratio | 77.9673% | 2,499 |
| Assets per employee ($millions) | 4.6629% | 2,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1745% | 5,614 |
| Loan loss allowance to noncurrent loans | 38.1715% | 5,718 |
| Noncurrent assets plus other real estate owned to assets | 2.7112% | 2,175 |
| Noncurrent loans to loans | 3.0770% | 2,081 |
| Net loans and leases to total assets | 70.4612% | 1,677 |
| Net loans and leases to deposits | 89.5059% | 1,008 |
| Net loans and leases to core deposits | 94.2406% | 1,447 |
| Total domestic deposits to total assets | 78.7224% | 6,141 |
| Equity capital to assets | 12.5511% | 1,692 |
| Core capital (leverage) ratio | 11.7125% | 1,761 |
| Tier 1 risk-based capital ratio | 22.1439% | 1,267 |
| Total risk-based capital ratio | 23.3981% | 1,238 |
| Memoranda: | ||
| Average total assets | $488,953,500 | 1,377 |
| Average earning assets | $447,178,500 | 1,380 |
| Average equity | $61,459,500 | 1,154 |
| Average total loans | $353,746,500 | 1,186 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6386% | 4,510 |
| Cost of funding earning assets | 0.9175% | 3,978 |
| Net interest margin | 3.7211% | 4,202 |
| Noninterest income to average assets | 0.9235% | 1,595 |
| Noninterest expense to average assets | 2.7252% | 4,642 |
| Loan and lease loss provision to assets | 0.7850% | 1,267 |
| Net operating income to assets | 0.7515% | 3,255 |
| Return on assets (ROA) | 0.7595% | 3,380 |
| Pretax return on assets | 0.8331% | 3,851 |
| Return on Equity (ROE) | 6.1321% | 3,802 |
| Retained earnings to average equity (ytd only) | 6.1321% | 1,943 |
| Net charge-offs to loans | 1.0625% | 1,629 |
| Credit loss provision to net charge-offs | 94.9469% | 3,802 |
| Earnings coverage of net charge-offs (x) | 1.9464% | 4,317 |
| Efficiency ratio | 62.7759% | 5,334 |
| Assets per employee ($millions) | 4.6505% | 2,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0602% | 5,960 |
| Loan loss allowance to noncurrent loans | 28.2507% | 6,288 |
| Noncurrent assets plus other real estate owned to assets | 3.1583% | 1,893 |
| Noncurrent loans to loans | 3.7529% | 1,677 |
| Net loans and leases to total assets | 72.6213% | 1,533 |
| Net loans and leases to deposits | 92.4567% | 931 |
| Net loans and leases to core deposits | 97.3706% | 1,385 |
| Total domestic deposits to total assets | 78.5463% | 6,085 |
| Equity capital to assets | 12.5882% | 1,753 |
| Core capital (leverage) ratio | 12.7076% | 1,265 |
| Tier 1 risk-based capital ratio | 23.2676% | 1,070 |
| Total risk-based capital ratio | 22.7831% | 1,282 |
| Memoranda: | ||
| Average total assets | $478,720,800 | 1,386 |
| Average earning assets | $438,816,000 | 1,382 |
| Average equity | $59,295,000 | 1,139 |
| Average total loans | $372,534,400 | 1,139 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7056% | 4,433 |
| Cost of funding earning assets | 0.9480% | 4,064 |
| Net interest margin | 3.7577% | 4,075 |
| Noninterest income to average assets | 0.4568% | 4,246 |
| Noninterest expense to average assets | 2.6961% | 4,741 |
| Loan and lease loss provision to assets | 0.5248% | 1,885 |
| Net operating income to assets | 0.4811% | 4,629 |
| Return on assets (ROA) | 0.4893% | 4,775 |
| Pretax return on assets | 0.6961% | 4,490 |
| Return on Equity (ROE) | 3.9669% | 5,006 |
| Retained earnings to average equity (ytd only) | 3.9669% | 3,894 |
| Net charge-offs to loans | 0.7357% | 2,088 |
| Credit loss provision to net charge-offs | 90.3614% | 3,758 |
| Earnings coverage of net charge-offs (x) | 2.0819% | 4,101 |
| Efficiency ratio | 68.9292% | 4,134 |
| Assets per employee ($millions) | 4.6600% | 2,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0322% | 6,115 |
| Loan loss allowance to noncurrent loans | 26.8608% | 6,416 |
| Noncurrent assets plus other real estate owned to assets | 3.4037% | 1,858 |
| Noncurrent loans to loans | 3.8427% | 1,748 |
| Net loans and leases to total assets | 75.1806% | 1,116 |
| Net loans and leases to deposits | 95.9122% | 702 |
| Net loans and leases to core deposits | 101.1316% | 1,149 |
| Total domestic deposits to total assets | 78.3849% | 6,116 |
| Equity capital to assets | 12.2938% | 2,027 |
| Core capital (leverage) ratio | 12.3951% | 1,482 |
| Tier 1 risk-based capital ratio | 22.5118% | 1,217 |
| Total risk-based capital ratio | 22.1192% | 1,457 |
| Memoranda: | ||
| Average total assets | $476,324,250 | 1,403 |
| Average earning assets | $437,140,000 | 1,398 |
| Average equity | $58,751,500 | 1,151 |
| Average total loans | $376,064,250 | 1,141 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7749% | 4,195 |
| Cost of funding earning assets | 0.9798% | 4,092 |
| Net interest margin | 3.7951% | 3,806 |
| Noninterest income to average assets | 0.4527% | 4,266 |
| Noninterest expense to average assets | 2.7300% | 4,705 |
| Loan and lease loss provision to assets | 0.5195% | 1,888 |
| Net operating income to assets | 0.4964% | 4,515 |
| Return on assets (ROA) | 0.5093% | 4,599 |
| Pretax return on assets | 0.7007% | 4,385 |
| Return on Equity (ROE) | 4.1248% | 4,870 |
| Retained earnings to average equity (ytd only) | 4.1248% | 3,573 |
| Net charge-offs to loans | 0.6496% | 2,221 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 2.3146% | 3,672 |
| Efficiency ratio | 69.3159% | 4,257 |
| Assets per employee ($millions) | 4.5646% | 2,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0689% | 6,064 |
| Loan loss allowance to noncurrent loans | 33.8553% | 6,054 |
| Noncurrent assets plus other real estate owned to assets | 3.0554% | 2,200 |
| Noncurrent loans to loans | 3.1572% | 2,275 |
| Net loans and leases to total assets | 77.2464% | 876 |
| Net loans and leases to deposits | 96.7580% | 666 |
| Net loans and leases to core deposits | 102.1200% | 1,170 |
| Total domestic deposits to total assets | 79.8346% | 5,874 |
| Equity capital to assets | 12.3182% | 1,893 |
| Core capital (leverage) ratio | 12.3182% | 1,445 |
| Tier 1 risk-based capital ratio | 22.4141% | 1,199 |
| Total risk-based capital ratio | 22.0417% | 1,432 |
| Memoranda: | ||
| Average total assets | $473,551,670 | 1,418 |
| Average earning assets | $434,190,330 | 1,413 |
| Average equity | $58,475,000 | 1,147 |
| Average total loans | $378,700,000 | 1,154 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8504% | 3,817 |
| Cost of funding earning assets | 1.0140% | 4,094 |
| Net interest margin | 3.8364% | 3,435 |
| Noninterest income to average assets | 0.4997% | 3,892 |
| Noninterest expense to average assets | 2.6497% | 5,040 |
| Loan and lease loss provision to assets | 0.4861% | 1,810 |
| Net operating income to assets | 0.6119% | 3,977 |
| Return on assets (ROA) | 0.6119% | 4,044 |
| Pretax return on assets | 0.8847% | 3,562 |
| Return on Equity (ROE) | 4.9490% | 4,433 |
| Retained earnings to average equity (ytd only) | 4.9490% | 3,225 |
| Net charge-offs to loans | 0.6006% | 1,992 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 2.8199% | 2,956 |
| Efficiency ratio | 65.8000% | 5,063 |
| Assets per employee ($millions) | 4.6029% | 2,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0558% | 6,199 |
| Loan loss allowance to noncurrent loans | 28.5633% | 6,376 |
| Noncurrent assets plus other real estate owned to assets | 4.1372% | 1,602 |
| Noncurrent loans to loans | 3.6962% | 1,997 |
| Net loans and leases to total assets | 79.0712% | 612 |
| Net loans and leases to deposits | 98.2150% | 560 |
| Net loans and leases to core deposits | 103.6609% | 1,083 |
| Total domestic deposits to total assets | 80.5083% | 5,813 |
| Equity capital to assets | 12.3505% | 1,710 |
| Core capital (leverage) ratio | 12.3505% | 1,389 |
| Tier 1 risk-based capital ratio | 21.9573% | 1,236 |
| Total risk-based capital ratio | 21.7484% | 1,458 |
| Memoranda: | ||
| Average total assets | $470,686,500 | 1,437 |
| Average earning assets | $431,964,500 | 1,426 |
| Average equity | $58,193,000 | 1,138 |
| Average total loans | $380,936,000 | 1,156 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1595% | 3,806 |
| Cost of funding earning assets | 1.2687% | 4,085 |
| Net interest margin | 3.8907% | 3,535 |
| Noninterest income to average assets | 0.5162% | 4,050 |
| Noninterest expense to average assets | 3.3040% | 2,730 |
| Loan and lease loss provision to assets | 0.8366% | 1,964 |
| Net operating income to assets | -0.0172% | 5,874 |
| Return on assets (ROA) | -0.0113% | 5,973 |
| Pretax return on assets | -0.0398% | 5,942 |
| Return on Equity (ROE) | -0.0876% | 5,974 |
| Retained earnings to average equity (ytd only) | -0.0876% | 5,615 |
| Net charge-offs to loans | 0.6415% | 3,094 |
| Credit loss provision to net charge-offs | 152.4118% | 2,351 |
| Earnings coverage of net charge-offs (x) | 1.4349% | 4,684 |
| Efficiency ratio | 80.6678% | 2,323 |
| Assets per employee ($millions) | 4.4083% | 3,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0444% | 6,175 |
| Loan loss allowance to noncurrent loans | 27.9544% | 6,409 |
| Noncurrent assets plus other real estate owned to assets | 4.1913% | 1,601 |
| Noncurrent loans to loans | 3.7360% | 1,983 |
| Net loans and leases to total assets | 81.1079% | 532 |
| Net loans and leases to deposits | 101.0036% | 525 |
| Net loans and leases to core deposits | 107.4491% | 1,095 |
| Total domestic deposits to total assets | 80.3019% | 5,751 |
| Equity capital to assets | 12.3765% | 1,707 |
| Core capital (leverage) ratio | 12.3765% | 1,359 |
| Tier 1 risk-based capital ratio | 21.5322% | 1,241 |
| Total risk-based capital ratio | 21.3245% | 1,445 |
| Memoranda: | ||
| Average total assets | $449,423,000 | 1,481 |
| Average earning assets | $413,009,000 | 1,473 |
| Average equity | $58,200,800 | 1,143 |
| Average total loans | $384,586,400 | 1,174 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1917% | 3,871 |
| Cost of funding earning assets | 1.3218% | 4,101 |
| Net interest margin | 3.8699% | 3,657 |
| Noninterest income to average assets | 0.5531% | 3,767 |
| Noninterest expense to average assets | 2.8026% | 4,479 |
| Loan and lease loss provision to assets | 0.9481% | 1,580 |
| Net operating income to assets | 0.2640% | 5,303 |
| Return on assets (ROA) | 0.2730% | 5,431 |
| Pretax return on assets | 0.3722% | 5,307 |
| Return on Equity (ROE) | 2.0837% | 5,577 |
| Retained earnings to average equity (ytd only) | 2.0837% | 4,917 |
| Net charge-offs to loans | 0.8187% | 2,406 |
| Credit loss provision to net charge-offs | 133.8409% | 3,018 |
| Earnings coverage of net charge-offs (x) | 1.8464% | 4,325 |
| Efficiency ratio | 68.1003% | 4,449 |
| Assets per employee ($millions) | 4.1601% | 3,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9065% | 6,724 |
| Loan loss allowance to noncurrent loans | 25.2580% | 6,624 |
| Noncurrent assets plus other real estate owned to assets | 4.1646% | 1,650 |
| Noncurrent loans to loans | 3.5888% | 2,185 |
| Net loans and leases to total assets | 85.1603% | 253 |
| Net loans and leases to deposits | 102.4791% | 512 |
| Net loans and leases to core deposits | 107.7243% | 1,187 |
| Total domestic deposits to total assets | 83.1001% | 4,555 |
| Equity capital to assets | 13.0863% | 1,529 |
| Core capital (leverage) ratio | 13.0863% | 1,196 |
| Tier 1 risk-based capital ratio | 22.8830% | 1,087 |
| Total risk-based capital ratio | 22.5978% | 1,286 |
| Memoranda: | ||
| Average total assets | $444,959,000 | 1,519 |
| Average earning assets | $409,024,250 | 1,511 |
| Average equity | $58,292,750 | 1,146 |
| Average total loans | $384,983,000 | 1,185 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2930% | 3,503 |
| Cost of funding earning assets | 1.3597% | 4,130 |
| Net interest margin | 3.9333% | 3,305 |
| Noninterest income to average assets | 0.5610% | 3,621 |
| Noninterest expense to average assets | 2.8229% | 4,382 |
| Loan and lease loss provision to assets | 1.1810% | 1,192 |
| Net operating income to assets | 0.1720% | 5,659 |
| Return on assets (ROA) | 0.1903% | 5,716 |
| Pretax return on assets | 0.1930% | 5,783 |
| Return on Equity (ROE) | 1.4520% | 5,814 |
| Retained earnings to average equity (ytd only) | 1.4520% | 5,147 |
| Net charge-offs to loans | 0.9459% | 1,947 |
| Credit loss provision to net charge-offs | 143.9802% | 2,757 |
| Earnings coverage of net charge-offs (x) | 1.6526% | 4,262 |
| Efficiency ratio | 67.4725% | 4,680 |
| Assets per employee ($millions) | 4.2484% | 3,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9028% | 6,750 |
| Loan loss allowance to noncurrent loans | 26.4891% | 6,582 |
| Noncurrent assets plus other real estate owned to assets | 3.9755% | 1,745 |
| Noncurrent loans to loans | 3.4084% | 2,335 |
| Net loans and leases to total assets | 85.3073% | 269 |
| Net loans and leases to deposits | 102.5200% | 566 |
| Net loans and leases to core deposits | 107.6650% | 1,326 |
| Total domestic deposits to total assets | 83.2103% | 4,483 |
| Equity capital to assets | 12.9474% | 1,594 |
| Core capital (leverage) ratio | 12.9474% | 1,225 |
| Tier 1 risk-based capital ratio | 22.7769% | 1,092 |
| Total risk-based capital ratio | 22.4769% | 1,278 |
| Memoranda: | ||
| Average total assets | $443,516,330 | 1,541 |
| Average earning assets | $407,897,330 | 1,517 |
| Average equity | $58,125,330 | 1,143 |
| Average total loans | $384,606,000 | 1,196 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3561% | 3,266 |
| Cost of funding earning assets | 1.4116% | 4,104 |
| Net interest margin | 3.9445% | 3,129 |
| Noninterest income to average assets | 0.5699% | 3,487 |
| Noninterest expense to average assets | 2.7248% | 4,790 |
| Loan and lease loss provision to assets | 1.2651% | 962 |
| Net operating income to assets | 0.2272% | 5,587 |
| Return on assets (ROA) | 0.2645% | 5,562 |
| Pretax return on assets | 0.2463% | 5,756 |
| Return on Equity (ROE) | 2.0057% | 5,758 |
| Retained earnings to average equity (ytd only) | 2.0057% | 4,929 |
| Net charge-offs to loans | 1.1402% | 1,475 |
| Credit loss provision to net charge-offs | 127.4725% | 2,765 |
| Earnings coverage of net charge-offs (x) | 1.4853% | 3,841 |
| Efficiency ratio | 64.7835% | 5,344 |
| Assets per employee ($millions) | 4.1852% | 3,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7781% | 7,181 |
| Loan loss allowance to noncurrent loans | 29.6121% | 6,422 |
| Noncurrent assets plus other real estate owned to assets | 3.3667% | 2,109 |
| Noncurrent loans to loans | 2.6277% | 3,040 |
| Net loans and leases to total assets | 86.2308% | 202 |
| Net loans and leases to deposits | 103.9354% | 531 |
| Net loans and leases to core deposits | 109.0675% | 1,349 |
| Total domestic deposits to total assets | 82.9657% | 4,647 |
| Equity capital to assets | 13.1133% | 1,480 |
| Core capital (leverage) ratio | 13.1133% | 1,181 |
| Tier 1 risk-based capital ratio | 22.9351% | 1,087 |
| Total risk-based capital ratio | 22.5421% | 1,270 |
| Memoranda: | ||
| Average total assets | $440,109,000 | 1,592 |
| Average earning assets | $404,920,500 | 1,569 |
| Average equity | $58,035,000 | 1,145 |
| Average total loans | $383,076,500 | 1,237 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4793% | 4,260 |
| Cost of funding earning assets | 1.9071% | 3,426 |
| Net interest margin | 3.5721% | 4,647 |
| Noninterest income to average assets | 0.5996% | 3,635 |
| Noninterest expense to average assets | 3.1331% | 3,604 |
| Loan and lease loss provision to assets | 0.8068% | 2,715 |
| Net operating income to assets | 0.0062% | 5,463 |
| Return on assets (ROA) | 0.0347% | 5,432 |
| Pretax return on assets | -0.0160% | 5,472 |
| Return on Equity (ROE) | 0.2505% | 5,455 |
| Retained earnings to average equity (ytd only) | 0.2505% | 4,765 |
| Net charge-offs to loans | 0.5454% | 3,605 |
| Credit loss provision to net charge-offs | 171.2037% | 2,486 |
| Earnings coverage of net charge-offs (x) | 1.5835% | 4,555 |
| Efficiency ratio | 80.5837% | 2,801 |
| Assets per employee ($millions) | 4.0424% | 3,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7094% | 7,360 |
| Loan loss allowance to noncurrent loans | 30.2250% | 6,455 |
| Noncurrent assets plus other real estate owned to assets | 3.1275% | 2,213 |
| Noncurrent loans to loans | 2.3471% | 3,236 |
| Net loans and leases to total assets | 86.5593% | 245 |
| Net loans and leases to deposits | 104.5560% | 622 |
| Net loans and leases to core deposits | 128.0897% | 1,393 |
| Total domestic deposits to total assets | 82.7875% | 4,621 |
| Equity capital to assets | 13.2609% | 1,410 |
| Core capital (leverage) ratio | 13.2588% | 1,174 |
| Tier 1 risk-based capital ratio | 22.8301% | 1,060 |
| Total risk-based capital ratio | 22.3090% | 1,253 |
| Memoranda: | ||
| Average total assets | $417,803,000 | 1,651 |
| Average earning assets | $383,610,400 | 1,637 |
| Average equity | $57,874,000 | 1,144 |
| Average total loans | $361,015,000 | 1,338 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5266% | 4,290 |
| Cost of funding earning assets | 1.9918% | 3,403 |
| Net interest margin | 3.5348% | 4,720 |
| Noninterest income to average assets | 0.5993% | 3,717 |
| Noninterest expense to average assets | 3.2146% | 3,257 |
| Loan and lease loss provision to assets | 0.8824% | 2,180 |
| Net operating income to assets | -0.1215% | 5,923 |
| Return on assets (ROA) | -0.0942% | 5,918 |
| Pretax return on assets | -0.2120% | 5,996 |
| Return on Equity (ROE) | -0.6728% | 5,881 |
| Retained earnings to average equity (ytd only) | -0.6728% | 5,398 |
| Net charge-offs to loans | 0.6110% | 2,842 |
| Credit loss provision to net charge-offs | 167.5245% | 2,798 |
| Earnings coverage of net charge-offs (x) | 1.1918% | 4,871 |
| Efficiency ratio | 83.4859% | 2,356 |
| Assets per employee ($millions) | 3.8935% | 3,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6434% | 7,503 |
| Loan loss allowance to noncurrent loans | 30.4607% | 6,427 |
| Noncurrent assets plus other real estate owned to assets | 3.0227% | 2,296 |
| Noncurrent loans to loans | 2.1122% | 3,493 |
| Net loans and leases to total assets | 87.3290% | 248 |
| Net loans and leases to deposits | 106.9805% | 607 |
| Net loans and leases to core deposits | 129.8046% | 1,447 |
| Total domestic deposits to total assets | 81.6307% | 4,825 |
| Equity capital to assets | 13.5415% | 1,480 |
| Core capital (leverage) ratio | 13.5370% | 1,224 |
| Tier 1 risk-based capital ratio | 23.2804% | 1,071 |
| Total risk-based capital ratio | 22.6134% | 1,286 |
| Memoranda: | ||
| Average total assets | $413,108,000 | 1,690 |
| Average earning assets | $379,003,750 | 1,675 |
| Average equity | $57,868,750 | 1,157 |
| Average total loans | $356,118,000 | 1,372 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5538% | 4,321 |
| Cost of funding earning assets | 2.0595% | 3,479 |
| Net interest margin | 3.4943% | 4,822 |
| Noninterest income to average assets | 0.5780% | 3,850 |
| Noninterest expense to average assets | 3.1440% | 3,526 |
| Loan and lease loss provision to assets | 0.6527% | 2,472 |
| Net operating income to assets | 0.0283% | 5,763 |
| Return on assets (ROA) | 0.0928% | 5,684 |
| Pretax return on assets | 0.0489% | 5,781 |
| Return on Equity (ROE) | 0.6551% | 5,736 |
| Retained earnings to average equity (ytd only) | 0.6551% | 4,927 |
| Net charge-offs to loans | 0.2477% | 3,958 |
| Credit loss provision to net charge-offs | 307.8341% | 1,509 |
| Earnings coverage of net charge-offs (x) | 3.0046% | 3,611 |
| Efficiency ratio | 83.0081% | 2,604 |
| Assets per employee ($millions) | 3.9453% | 3,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6102% | 7,621 |
| Loan loss allowance to noncurrent loans | 26.6376% | 6,727 |
| Noncurrent assets plus other real estate owned to assets | 3.3338% | 1,870 |
| Noncurrent loans to loans | 2.2907% | 3,150 |
| Net loans and leases to total assets | 85.6884% | 406 |
| Net loans and leases to deposits | 104.9243% | 837 |
| Net loans and leases to core deposits | 127.4244% | 1,750 |
| Total domestic deposits to total assets | 81.6669% | 4,824 |
| Equity capital to assets | 13.8580% | 1,363 |
| Core capital (leverage) ratio | 13.8428% | 1,179 |
| Tier 1 risk-based capital ratio | 23.9446% | 1,041 |
| Total risk-based capital ratio | 23.0035% | 1,263 |
| Memoranda: | ||
| Average total assets | $409,346,330 | 1,715 |
| Average earning assets | $375,238,330 | 1,721 |
| Average equity | $58,002,000 | 1,168 |
| Average total loans | $350,484,670 | 1,423 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5974% | 4,370 |
| Cost of funding earning assets | 2.1244% | 3,542 |
| Net interest margin | 3.4730% | 4,839 |
| Noninterest income to average assets | 0.5601% | 3,835 |
| Noninterest expense to average assets | 2.9576% | 3,947 |
| Loan and lease loss provision to assets | 0.3043% | 3,517 |
| Net operating income to assets | 0.3448% | 5,091 |
| Return on assets (ROA) | 0.3448% | 5,277 |
| Pretax return on assets | 0.4781% | 5,144 |
| Return on Equity (ROE) | 2.4058% | 5,621 |
| Retained earnings to average equity (ytd only) | 2.4058% | 4,541 |
| Net charge-offs to loans | 0.0069% | 5,587 |
| Credit loss provision to net charge-offs | 5,133.3333% | 142 |
| Earnings coverage of net charge-offs (x) | 132.0000% | 328 |
| Efficiency ratio | 79.0808% | 2,988 |
| Assets per employee ($millions) | 3.8063% | 4,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4585% | 7,879 |
| Loan loss allowance to noncurrent loans | 20.1740% | 7,159 |
| Noncurrent assets plus other real estate owned to assets | 3.4278% | 1,576 |
| Noncurrent loans to loans | 2.2728% | 2,894 |
| Net loans and leases to total assets | 86.0923% | 429 |
| Net loans and leases to deposits | 102.6748% | 1,118 |
| Net loans and leases to core deposits | 124.1051% | 2,073 |
| Total domestic deposits to total assets | 83.8495% | 3,774 |
| Equity capital to assets | 14.4240% | 1,252 |
| Core capital (leverage) ratio | 14.4029% | 1,107 |
| Tier 1 risk-based capital ratio | 24.3751% | 1,035 |
| Total risk-based capital ratio | 23.3323% | 1,260 |
| Memoranda: | ||
| Average total assets | $404,920,000 | 1,741 |
| Average earning assets | $370,745,000 | 1,747 |
| Average equity | $58,026,000 | 1,171 |
| Average total loans | $345,453,000 | 1,458 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7423% | 6,628 |
| Cost of funding earning assets | 2.6140% | 3,616 |
| Net interest margin | 3.1284% | 6,566 |
| Noninterest income to average assets | 0.6107% | 3,769 |
| Noninterest expense to average assets | 2.8943% | 4,465 |
| Loan and lease loss provision to assets | 0.6312% | 2,302 |
| Net operating income to assets | 0.0222% | 6,308 |
| Return on assets (ROA) | 0.0449% | 6,104 |
| Pretax return on assets | -0.0042% | 6,163 |
| Return on Equity (ROE) | 0.3162% | 6,128 |
| Retained earnings to average equity (ytd only) | 0.3162% | 5,051 |
| Net charge-offs to loans | 0.4998% | 2,366 |
| Credit loss provision to net charge-offs | 155.6299% | 3,356 |
| Earnings coverage of net charge-offs (x) | 1.4583% | 5,383 |
| Efficiency ratio | 83.0324% | 2,175 |
| Assets per employee ($millions) | 3.7979% | 3,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3948% | 7,986 |
| Loan loss allowance to noncurrent loans | 16.3915% | 7,352 |
| Noncurrent assets plus other real estate owned to assets | 3.3376% | 1,355 |
| Noncurrent loans to loans | 2.4085% | 2,276 |
| Net loans and leases to total assets | 83.8151% | 917 |
| Net loans and leases to deposits | 102.7039% | 1,507 |
| Net loans and leases to core deposits | 123.2315% | 2,381 |
| Total domestic deposits to total assets | 81.6085% | 4,365 |
| Equity capital to assets | 14.2372% | 1,365 |
| Core capital (leverage) ratio | 14.2144% | 1,214 |
| Tier 1 risk-based capital ratio | 24.5126% | 1,030 |
| Total risk-based capital ratio | 23.3413% | 1,269 |
| Memoranda: | ||
| Average total assets | $405,100,000 | 1,680 |
| Average earning assets | $372,304,600 | 1,672 |
| Average equity | $57,563,800 | 1,162 |
| Average total loans | $328,737,600 | 1,480 |