Home > First Federal Savings Bank of Lincolnton > Performance and Condition Ratios
First Federal Savings Bank of Lincolnton, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3981% | 3,276 |
| Cost of funding earning assets | 1.1250% | 3,005 |
| Net interest margin | 3.2730% | 2,696 |
| Noninterest income to average assets | 0.0900% | 4,319 |
| Noninterest expense to average assets | 2.0290% | 3,556 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.9817% | 2,274 |
| Return on assets (ROA) | 0.9817% | 2,262 |
| Pretax return on assets | 1.1791% | 2,193 |
| Return on Equity (ROE) | 6.1000% | 3,497 |
| Retained earnings to average equity (ytd only) | 6.1009% | 2,207 |
| Net charge-offs to loans | -0.0036% | 3,770 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 62.9632% | 2,731 |
| Assets per employee ($millions) | 9.6501% | 789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1312% | 2,651 |
| Loan loss allowance to noncurrent loans | 271.0329% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.3010% | 1,750 |
| Noncurrent loans to loans | 0.4174% | 1,735 |
| Net loans and leases to total assets | 71.3000% | 1,666 |
| Net loans and leases to deposits | 88.3463% | 1,398 |
| Net loans and leases to core deposits | 102.3617% | 1,311 |
| Total domestic deposits to total assets | 80.7000% | 3,358 |
| Equity capital to assets | 16.4224% | 427 |
| Core capital (leverage) ratio | 18.0896% | 341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.5978% | 193 |
| Memoranda: | ||
| Average total assets | $436,273,200 | 1,898 |
| Average earning assets | $417,137,400 | 1,846 |
| Average equity | $70,202,200 | 1,245 |
| Average total loans | $307,439,200 | 1,763 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3390% | 3,218 |
| Cost of funding earning assets | 0.9994% | 3,044 |
| Net interest margin | 3.3396% | 2,597 |
| Noninterest income to average assets | 0.0800% | 4,369 |
| Noninterest expense to average assets | 1.9633% | 3,681 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.0599% | 2,186 |
| Return on assets (ROA) | 1.0599% | 2,172 |
| Pretax return on assets | 1.2883% | 2,075 |
| Return on Equity (ROE) | 6.6200% | 3,518 |
| Retained earnings to average equity (ytd only) | 6.6217% | 2,425 |
| Net charge-offs to loans | -0.0035% | 3,671 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.0225% | 2,961 |
| Assets per employee ($millions) | 9.2944% | 835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1599% | 2,574 |
| Loan loss allowance to noncurrent loans | 258.9835% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.3198% | 1,744 |
| Noncurrent loans to loans | 0.4479% | 1,703 |
| Net loans and leases to total assets | 70.5700% | 1,762 |
| Net loans and leases to deposits | 85.9808% | 1,577 |
| Net loans and leases to core deposits | 98.6355% | 1,408 |
| Total domestic deposits to total assets | 82.0800% | 3,192 |
| Equity capital to assets | 16.0682% | 443 |
| Core capital (leverage) ratio | 17.9917% | 357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.6435% | 200 |
| Memoranda: | ||
| Average total assets | $434,365,250 | 1,905 |
| Average earning assets | $415,293,500 | 1,851 |
| Average equity | $69,527,750 | 1,249 |
| Average total loans | $304,271,250 | 1,778 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2715% | 3,150 |
| Cost of funding earning assets | 0.9009% | 2,926 |
| Net interest margin | 3.3706% | 2,594 |
| Noninterest income to average assets | 0.0900% | 4,358 |
| Noninterest expense to average assets | 1.9735% | 3,652 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.0993% | 2,127 |
| Return on assets (ROA) | 1.0993% | 2,120 |
| Pretax return on assets | 1.3078% | 2,063 |
| Return on Equity (ROE) | 6.8800% | 3,503 |
| Retained earnings to average equity (ytd only) | 6.8767% | 2,325 |
| Net charge-offs to loans | 0.0013% | 2,356 |
| Credit loss provision to net charge-offs | 2,950.0000% | 195 |
| Earnings coverage of net charge-offs (x) | 1,449.0000% | 98 |
| Efficiency ratio | 59.6154% | 3,004 |
| Assets per employee ($millions) | 9.4069% | 802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1698% | 2,594 |
| Loan loss allowance to noncurrent loans | 317.8855% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.2623% | 1,892 |
| Noncurrent loans to loans | 0.3680% | 1,824 |
| Net loans and leases to total assets | 70.4400% | 1,694 |
| Net loans and leases to deposits | 84.6852% | 1,608 |
| Net loans and leases to core deposits | 95.4831% | 1,491 |
| Total domestic deposits to total assets | 83.1800% | 3,004 |
| Equity capital to assets | 16.1896% | 426 |
| Core capital (leverage) ratio | 17.7499% | 356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.3004% | 189 |
| Memoranda: | ||
| Average total assets | $433,540,667 | 1,907 |
| Average earning assets | $414,699,667 | 1,862 |
| Average equity | $69,306,333 | 1,250 |
| Average total loans | $301,723,000 | 1,778 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1928% | 3,063 |
| Cost of funding earning assets | 0.7794% | 2,806 |
| Net interest margin | 3.4134% | 2,598 |
| Noninterest income to average assets | 0.0900% | 4,407 |
| Noninterest expense to average assets | 2.1256% | 3,319 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.0720% | 2,314 |
| Return on assets (ROA) | 1.0720% | 2,285 |
| Pretax return on assets | 1.1734% | 2,502 |
| Return on Equity (ROE) | 6.7500% | 3,576 |
| Retained earnings to average equity (ytd only) | 6.7487% | 2,570 |
| Net charge-offs to loans | -0.0027% | 3,481 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.3169% | 2,535 |
| Assets per employee ($millions) | 9.2871% | 843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1997% | 2,556 |
| Loan loss allowance to noncurrent loans | 333.8262% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.2479% | 1,880 |
| Noncurrent loans to loans | 0.3594% | 1,861 |
| Net loans and leases to total assets | 68.1500% | 1,821 |
| Net loans and leases to deposits | 81.6674% | 1,683 |
| Net loans and leases to core deposits | 91.4552% | 1,533 |
| Total domestic deposits to total assets | 83.4400% | 3,214 |
| Equity capital to assets | 15.9251% | 415 |
| Core capital (leverage) ratio | 17.6391% | 362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.3511% | 200 |
| Memoranda: | ||
| Average total assets | $433,952,500 | 1,926 |
| Average earning assets | $415,192,500 | 1,883 |
| Average equity | $68,932,000 | 1,261 |
| Average total loans | $298,367,500 | 1,796 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4506% | 3,208 |
| Cost of funding earning assets | 0.2446% | 3,368 |
| Net interest margin | 3.2060% | 2,856 |
| Noninterest income to average assets | 0.0400% | 4,598 |
| Noninterest expense to average assets | 1.9136% | 3,803 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9535% | 2,755 |
| Return on assets (ROA) | 0.9535% | 2,704 |
| Pretax return on assets | 1.2024% | 2,428 |
| Return on Equity (ROE) | 6.3100% | 3,768 |
| Retained earnings to average equity (ytd only) | 6.3120% | 2,531 |
| Net charge-offs to loans | 0.0035% | 2,333 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 543.5000% | 316 |
| Efficiency ratio | 61.4129% | 2,854 |
| Assets per employee ($millions) | 9.1790% | 856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8885% | 3,818 |
| Loan loss allowance to noncurrent loans | 181.1724% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 0.3361% | 1,506 |
| Noncurrent loans to loans | 0.4904% | 1,473 |
| Net loans and leases to total assets | 67.9300% | 1,835 |
| Net loans and leases to deposits | 81.2510% | 1,676 |
| Net loans and leases to core deposits | 87.8859% | 1,616 |
| Total domestic deposits to total assets | 83.6000% | 3,293 |
| Equity capital to assets | 15.8438% | 398 |
| Core capital (leverage) ratio | 17.0155% | 389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.3726% | 192 |
| Memoranda: | ||
| Average total assets | $452,016,400 | 1,850 |
| Average earning assets | $433,722,000 | 1,809 |
| Average equity | $68,283,000 | 1,277 |
| Average total loans | $282,109,000 | 1,804 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2355% | 3,346 |
| Cost of funding earning assets | 0.1959% | 3,327 |
| Net interest margin | 3.0396% | 3,116 |
| Noninterest income to average assets | 0.0300% | 4,652 |
| Noninterest expense to average assets | 1.8578% | 3,850 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8790% | 2,970 |
| Return on assets (ROA) | 0.8790% | 2,940 |
| Pretax return on assets | 1.0951% | 2,739 |
| Return on Equity (ROE) | 5.8900% | 3,819 |
| Retained earnings to average equity (ytd only) | 5.8867% | 2,793 |
| Net charge-offs to loans | 0.0115% | 1,688 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 156.4583% | 728 |
| Efficiency ratio | 62.9136% | 2,701 |
| Assets per employee ($millions) | 9.6108% | 729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8948% | 3,873 |
| Loan loss allowance to noncurrent loans | 205.4245% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.2816% | 1,826 |
| Noncurrent loans to loans | 0.4356% | 1,721 |
| Net loans and leases to total assets | 64.0700% | 2,076 |
| Net loans and leases to deposits | 75.6545% | 1,907 |
| Net loans and leases to core deposits | 82.1273% | 1,754 |
| Total domestic deposits to total assets | 84.6900% | 3,355 |
| Equity capital to assets | 14.6956% | 482 |
| Core capital (leverage) ratio | 16.0928% | 438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.8204% | 201 |
| Memoranda: | ||
| Average total assets | $457,167,250 | 1,845 |
| Average earning assets | $438,946,750 | 1,800 |
| Average equity | $68,265,750 | 1,290 |
| Average total loans | $278,719,750 | 1,815 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0265% | 3,488 |
| Cost of funding earning assets | 0.2049% | 2,854 |
| Net interest margin | 2.8216% | 3,372 |
| Noninterest income to average assets | 0.0353% | 4,673 |
| Noninterest expense to average assets | 1.8249% | 3,892 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7612% | 3,107 |
| Return on assets (ROA) | 0.7612% | 3,065 |
| Pretax return on assets | 0.9225% | 2,983 |
| Return on Equity (ROE) | 5.0716% | 3,802 |
| Retained earnings to average equity (ytd only) | 5.0716% | 2,684 |
| Net charge-offs to loans | 0.0080% | 1,700 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 192.4545% | 551 |
| Efficiency ratio | 66.4235% | 2,454 |
| Assets per employee ($millions) | 10.3039% | 604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9218% | 3,889 |
| Loan loss allowance to noncurrent loans | 177.3126% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 0.3194% | 1,726 |
| Noncurrent loans to loans | 0.5199% | 1,587 |
| Net loans and leases to total assets | 60.8723% | 2,231 |
| Net loans and leases to deposits | 71.7546% | 2,045 |
| Net loans and leases to core deposits | 78.5289% | 1,815 |
| Total domestic deposits to total assets | 84.8341% | 3,521 |
| Equity capital to assets | 14.5692% | 458 |
| Core capital (leverage) ratio | 15.7147% | 407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.7126% | 166 |
| Memoranda: | ||
| Average total assets | $458,987,000 | 1,847 |
| Average earning assets | $441,170,667 | 1,811 |
| Average equity | $68,894,000 | 1,309 |
| Average total loans | $274,281,000 | 1,836 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9524% | 3,391 |
| Cost of funding earning assets | 0.2140% | 2,612 |
| Net interest margin | 2.7384% | 3,317 |
| Noninterest income to average assets | 0.0350% | 4,695 |
| Noninterest expense to average assets | 1.7528% | 4,045 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7814% | 2,719 |
| Return on assets (ROA) | 0.7814% | 2,715 |
| Pretax return on assets | 0.9163% | 2,715 |
| Return on Equity (ROE) | 5.1291% | 3,590 |
| Retained earnings to average equity (ytd only) | 5.1291% | 2,547 |
| Net charge-offs to loans | -0.0045% | 3,305 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6712% | 2,803 |
| Assets per employee ($millions) | 10.5027% | 596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9766% | 3,810 |
| Loan loss allowance to noncurrent loans | 275.5741% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.2073% | 2,388 |
| Noncurrent loans to loans | 0.3544% | 2,211 |
| Net loans and leases to total assets | 57.9278% | 2,308 |
| Net loans and leases to deposits | 68.4849% | 2,099 |
| Net loans and leases to core deposits | 74.6676% | 1,883 |
| Total domestic deposits to total assets | 84.5847% | 3,638 |
| Equity capital to assets | 14.8278% | 415 |
| Core capital (leverage) ratio | 15.8676% | 359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.0729% | 146 |
| Memoranda: | ||
| Average total assets | $456,642,000 | 1,865 |
| Average earning assets | $439,235,000 | 1,828 |
| Average equity | $69,564,000 | 1,338 |
| Average total loans | $268,983,000 | 1,843 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1460% | 3,595 |
| Cost of funding earning assets | 0.3267% | 2,147 |
| Net interest margin | 2.8193% | 3,620 |
| Noninterest income to average assets | 0.3156% | 3,520 |
| Noninterest expense to average assets | 2.0003% | 3,673 |
| Loan and lease loss provision to assets | -0.0462% | 4,336 |
| Net operating income to assets | 0.8484% | 3,192 |
| Return on assets (ROA) | 0.8743% | 3,187 |
| Pretax return on assets | 1.1114% | 2,928 |
| Return on Equity (ROE) | 5.5698% | 3,864 |
| Retained earnings to average equity (ytd only) | 5.5698% | 2,532 |
| Net charge-offs to loans | -0.0556% | 4,367 |
| Credit loss provision to net charge-offs | 136.2416% | 1,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9565% | 2,267 |
| Assets per employee ($millions) | 9.5992% | 757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9853% | 3,807 |
| Loan loss allowance to noncurrent loans | 222.3440% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 0.2629% | 2,231 |
| Noncurrent loans to loans | 0.4431% | 2,029 |
| Net loans and leases to total assets | 58.7354% | 2,305 |
| Net loans and leases to deposits | 70.1719% | 2,116 |
| Net loans and leases to core deposits | 77.5791% | 1,797 |
| Total domestic deposits to total assets | 83.7022% | 3,637 |
| Equity capital to assets | 15.6497% | 414 |
| Core capital (leverage) ratio | 15.8649% | 375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.3040% | 154 |
| Memoranda: | ||
| Average total assets | $439,540,800 | 1,867 |
| Average earning assets | $423,618,800 | 1,829 |
| Average equity | $68,997,000 | 1,367 |
| Average total loans | $267,788,400 | 1,846 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1745% | 3,650 |
| Cost of funding earning assets | 0.3570% | 2,044 |
| Net interest margin | 2.8175% | 3,741 |
| Noninterest income to average assets | 0.0721% | 4,751 |
| Noninterest expense to average assets | 1.8010% | 4,169 |
| Loan and lease loss provision to assets | -0.0009% | 4,283 |
| Net operating income to assets | 0.7920% | 3,545 |
| Return on assets (ROA) | 0.8272% | 3,516 |
| Pretax return on assets | 1.0321% | 3,369 |
| Return on Equity (ROE) | 5.2656% | 4,069 |
| Retained earnings to average equity (ytd only) | 5.2656% | 3,113 |
| Net charge-offs to loans | -0.0149% | 3,848 |
| Credit loss provision to net charge-offs | 10.0000% | 2,023 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5931% | 2,304 |
| Assets per employee ($millions) | 10.1305% | 617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0372% | 3,717 |
| Loan loss allowance to noncurrent loans | 184.3962% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.3307% | 2,129 |
| Noncurrent loans to loans | 0.5625% | 1,907 |
| Net loans and leases to total assets | 58.1780% | 2,468 |
| Net loans and leases to deposits | 69.4417% | 2,292 |
| Net loans and leases to core deposits | 76.7151% | 1,984 |
| Total domestic deposits to total assets | 83.7796% | 3,513 |
| Equity capital to assets | 15.6270% | 455 |
| Core capital (leverage) ratio | 15.8353% | 399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.7302% | 153 |
| Memoranda: | ||
| Average total assets | $436,635,000 | 1,901 |
| Average earning assets | $420,924,250 | 1,850 |
| Average equity | $68,594,750 | 1,384 |
| Average total loans | $267,828,000 | 1,878 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2059% | 3,668 |
| Cost of funding earning assets | 0.4029% | 1,864 |
| Net interest margin | 2.8030% | 3,784 |
| Noninterest income to average assets | 0.0706% | 4,785 |
| Noninterest expense to average assets | 1.8612% | 4,052 |
| Loan and lease loss provision to assets | -0.0014% | 4,375 |
| Net operating income to assets | 0.7209% | 3,709 |
| Return on assets (ROA) | 0.7209% | 3,774 |
| Pretax return on assets | 0.9128% | 3,632 |
| Return on Equity (ROE) | 4.5808% | 4,220 |
| Retained earnings to average equity (ytd only) | 4.5808% | 3,335 |
| Net charge-offs to loans | -0.0185% | 3,964 |
| Credit loss provision to net charge-offs | 12.0000% | 1,768 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1269% | 1,998 |
| Assets per employee ($millions) | 9.3987% | 740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0226% | 3,754 |
| Loan loss allowance to noncurrent loans | 150.8060% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 0.4073% | 1,980 |
| Noncurrent loans to loans | 0.6781% | 1,729 |
| Net loans and leases to total assets | 59.4434% | 2,487 |
| Net loans and leases to deposits | 70.9765% | 2,312 |
| Net loans and leases to core deposits | 78.8620% | 1,970 |
| Total domestic deposits to total assets | 83.7509% | 3,511 |
| Equity capital to assets | 15.6599% | 451 |
| Core capital (leverage) ratio | 15.7849% | 397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.4218% | 161 |
| Memoranda: | ||
| Average total assets | $433,599,667 | 1,899 |
| Average earning assets | $417,973,333 | 1,852 |
| Average equity | $68,241,000 | 1,381 |
| Average total loans | $269,757,000 | 1,877 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2366% | 3,617 |
| Cost of funding earning assets | 0.4765% | 1,548 |
| Net interest margin | 2.7602% | 3,849 |
| Noninterest income to average assets | 0.0680% | 4,801 |
| Noninterest expense to average assets | 1.8299% | 4,152 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7338% | 3,620 |
| Return on assets (ROA) | 0.7338% | 3,689 |
| Pretax return on assets | 0.8977% | 3,604 |
| Return on Equity (ROE) | 4.6508% | 4,161 |
| Retained earnings to average equity (ytd only) | 4.6508% | 3,328 |
| Net charge-offs to loans | -0.0059% | 3,456 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0877% | 2,060 |
| Assets per employee ($millions) | 9.8289% | 627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0048% | 3,819 |
| Loan loss allowance to noncurrent loans | 135.2912% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 0.4606% | 2,012 |
| Noncurrent loans to loans | 0.7427% | 1,749 |
| Net loans and leases to total assets | 61.3949% | 2,352 |
| Net loans and leases to deposits | 73.3597% | 2,175 |
| Net loans and leases to core deposits | 81.9218% | 1,844 |
| Total domestic deposits to total assets | 83.6902% | 3,521 |
| Equity capital to assets | 15.7243% | 416 |
| Core capital (leverage) ratio | 16.0748% | 375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.1771% | 169 |
| Memoranda: | ||
| Average total assets | $429,529,000 | 1,902 |
| Average earning assets | $413,889,500 | 1,857 |
| Average equity | $67,773,500 | 1,382 |
| Average total loans | $271,986,000 | 1,869 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8975% | 3,034 |
| Cost of funding earning assets | 0.9265% | 783 |
| Net interest margin | 2.9711% | 3,960 |
| Noninterest income to average assets | 0.0382% | 4,884 |
| Noninterest expense to average assets | 2.0740% | 3,987 |
| Loan and lease loss provision to assets | 0.1578% | 2,397 |
| Net operating income to assets | 0.5194% | 3,987 |
| Return on assets (ROA) | 0.5924% | 3,887 |
| Pretax return on assets | 0.7497% | 3,762 |
| Return on Equity (ROE) | 3.6296% | 4,244 |
| Retained earnings to average equity (ytd only) | 3.6296% | 3,028 |
| Net charge-offs to loans | -0.0180% | 4,394 |
| Credit loss provision to net charge-offs | -1,209.4340% | 4,092 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7853% | 1,703 |
| Assets per employee ($millions) | 9.6952% | 585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9758% | 3,961 |
| Loan loss allowance to noncurrent loans | 126.9340% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 0.4970% | 2,077 |
| Noncurrent loans to loans | 0.7688% | 1,790 |
| Net loans and leases to total assets | 64.0130% | 2,363 |
| Net loans and leases to deposits | 76.5696% | 2,219 |
| Net loans and leases to core deposits | 88.7661% | 1,625 |
| Total domestic deposits to total assets | 83.6010% | 3,237 |
| Equity capital to assets | 15.8336% | 450 |
| Core capital (leverage) ratio | 15.9619% | 390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.3239% | 172 |
| Memoranda: | ||
| Average total assets | $406,168,200 | 1,844 |
| Average earning assets | $389,759,000 | 1,796 |
| Average equity | $66,288,200 | 1,357 |
| Average total loans | $295,227,000 | 1,701 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0591% | 2,793 |
| Cost of funding earning assets | 0.9769% | 826 |
| Net interest margin | 3.0822% | 3,778 |
| Noninterest income to average assets | 0.0805% | 4,822 |
| Noninterest expense to average assets | 2.0153% | 4,116 |
| Loan and lease loss provision to assets | 0.2132% | 1,890 |
| Net operating income to assets | 0.6199% | 3,716 |
| Return on assets (ROA) | 0.7184% | 3,497 |
| Pretax return on assets | 0.9315% | 3,291 |
| Return on Equity (ROE) | 4.3673% | 4,076 |
| Retained earnings to average equity (ytd only) | 4.3673% | 2,867 |
| Net charge-offs to loans | -0.0213% | 4,441 |
| Credit loss provision to net charge-offs | -1,335.4167% | 3,987 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3965% | 2,416 |
| Assets per employee ($millions) | 9.2560% | 643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9478% | 3,896 |
| Loan loss allowance to noncurrent loans | 102.2070% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 0.6439% | 1,806 |
| Noncurrent loans to loans | 0.9273% | 1,612 |
| Net loans and leases to total assets | 67.3928% | 2,335 |
| Net loans and leases to deposits | 80.8901% | 2,210 |
| Net loans and leases to core deposits | 94.6275% | 1,584 |
| Total domestic deposits to total assets | 83.3141% | 3,052 |
| Equity capital to assets | 16.1251% | 459 |
| Core capital (leverage) ratio | 16.1796% | 403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.4045% | 197 |
| Memoranda: | ||
| Average total assets | $401,063,500 | 1,838 |
| Average earning assets | $384,480,750 | 1,798 |
| Average equity | $65,974,250 | 1,344 |
| Average total loans | $300,093,250 | 1,678 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2033% | 2,751 |
| Cost of funding earning assets | 1.0125% | 952 |
| Net interest margin | 3.1909% | 3,694 |
| Noninterest income to average assets | 0.0793% | 4,841 |
| Noninterest expense to average assets | 2.0883% | 4,053 |
| Loan and lease loss provision to assets | 0.3238% | 1,320 |
| Net operating income to assets | 0.5687% | 3,834 |
| Return on assets (ROA) | 0.7183% | 3,439 |
| Pretax return on assets | 0.9133% | 3,275 |
| Return on Equity (ROE) | 4.3368% | 4,010 |
| Retained earnings to average equity (ytd only) | 4.3368% | 2,762 |
| Net charge-offs to loans | -0.0026% | 3,865 |
| Credit loss provision to net charge-offs | -16,025.0000% | 4,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5915% | 2,433 |
| Assets per employee ($millions) | 8.9330% | 688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9103% | 3,955 |
| Loan loss allowance to noncurrent loans | 86.0306% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 0.7658% | 1,616 |
| Noncurrent loans to loans | 1.0582% | 1,472 |
| Net loans and leases to total assets | 69.9844% | 2,031 |
| Net loans and leases to deposits | 84.0378% | 1,997 |
| Net loans and leases to core deposits | 98.5383% | 1,368 |
| Total domestic deposits to total assets | 83.2772% | 3,001 |
| Equity capital to assets | 16.1567% | 452 |
| Core capital (leverage) ratio | 16.4284% | 396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.5830% | 205 |
| Memoranda: | ||
| Average total assets | $395,911,667 | 1,823 |
| Average earning assets | $379,269,000 | 1,785 |
| Average equity | $65,577,667 | 1,339 |
| Average total loans | $305,661,000 | 1,642 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5527% | 2,147 |
| Cost of funding earning assets | 1.0736% | 1,125 |
| Net interest margin | 3.4791% | 3,048 |
| Noninterest income to average assets | 0.0618% | 4,943 |
| Noninterest expense to average assets | 2.0823% | 4,258 |
| Loan and lease loss provision to assets | 0.3275% | 947 |
| Net operating income to assets | 0.7302% | 3,167 |
| Return on assets (ROA) | 0.7302% | 3,252 |
| Pretax return on assets | 0.9825% | 2,898 |
| Return on Equity (ROE) | 4.3516% | 3,856 |
| Retained earnings to average equity (ytd only) | 4.3516% | 2,555 |
| Net charge-offs to loans | -0.0038% | 3,780 |
| Credit loss provision to net charge-offs | -10,600.0000% | 3,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3843% | 3,565 |
| Assets per employee ($millions) | 8.7671% | 574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7539% | 4,510 |
| Loan loss allowance to noncurrent loans | 97.8472% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 0.6197% | 2,156 |
| Noncurrent loans to loans | 0.7705% | 2,073 |
| Net loans and leases to total assets | 77.3506% | 1,077 |
| Net loans and leases to deposits | 93.4277% | 1,133 |
| Net loans and leases to core deposits | 110.3568% | 837 |
| Total domestic deposits to total assets | 82.7919% | 3,176 |
| Equity capital to assets | 16.6413% | 493 |
| Core capital (leverage) ratio | 16.8219% | 430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.0234% | 245 |
| Memoranda: | ||
| Average total assets | $388,408,000 | 1,809 |
| Average earning assets | $371,824,000 | 1,772 |
| Average equity | $65,171,000 | 1,345 |
| Average total loans | $313,381,000 | 1,587 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7074% | 2,299 |
| Cost of funding earning assets | 1.0956% | 1,344 |
| Net interest margin | 3.6118% | 3,098 |
| Noninterest income to average assets | 0.1276% | 4,827 |
| Noninterest expense to average assets | 2.2224% | 4,114 |
| Loan and lease loss provision to assets | -0.0131% | 4,943 |
| Net operating income to assets | 1.0708% | 2,570 |
| Return on assets (ROA) | 1.1572% | 2,319 |
| Pretax return on assets | 1.4853% | 1,850 |
| Return on Equity (ROE) | 7.2016% | 3,482 |
| Retained earnings to average equity (ytd only) | 7.2016% | 1,307 |
| Net charge-offs to loans | -0.0051% | 4,353 |
| Credit loss provision to net charge-offs | 300.0000% | 925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9888% | 3,384 |
| Assets per employee ($millions) | 8.3108% | 639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6255% | 4,697 |
| Loan loss allowance to noncurrent loans | 70.6153% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 0.7596% | 1,704 |
| Noncurrent loans to loans | 0.8857% | 1,736 |
| Net loans and leases to total assets | 82.9942% | 430 |
| Net loans and leases to deposits | 100.5788% | 563 |
| Net loans and leases to core deposits | 115.1503% | 628 |
| Total domestic deposits to total assets | 82.5165% | 3,353 |
| Equity capital to assets | 16.9211% | 478 |
| Core capital (leverage) ratio | 16.7205% | 445 |
| Tier 1 risk-based capital ratio | 29.3853% | 501 |
| Total risk-based capital ratio | 30.2897% | 504 |
| Memoranda: | ||
| Average total assets | $390,159,600 | 1,771 |
| Average earning assets | $373,497,800 | 1,737 |
| Average equity | $62,694,200 | 1,340 |
| Average total loans | $330,349,800 | 1,497 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7224% | 2,353 |
| Cost of funding earning assets | 1.0832% | 1,414 |
| Net interest margin | 3.6392% | 3,135 |
| Noninterest income to average assets | 0.1323% | 4,869 |
| Noninterest expense to average assets | 2.0928% | 4,375 |
| Loan and lease loss provision to assets | -0.0160% | 5,070 |
| Net operating income to assets | 1.2083% | 2,168 |
| Return on assets (ROA) | 1.3230% | 1,829 |
| Pretax return on assets | 1.6848% | 1,385 |
| Return on Equity (ROE) | 8.3412% | 3,178 |
| Retained earnings to average equity (ytd only) | 8.3412% | 1,270 |
| Net charge-offs to loans | -0.0044% | 4,175 |
| Credit loss provision to net charge-offs | 427.2727% | 720 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8695% | 3,957 |
| Assets per employee ($millions) | 8.3435% | 611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6068% | 4,805 |
| Loan loss allowance to noncurrent loans | 72.0217% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 0.7120% | 1,924 |
| Noncurrent loans to loans | 0.8425% | 1,893 |
| Net loans and leases to total assets | 83.3325% | 414 |
| Net loans and leases to deposits | 100.2759% | 609 |
| Net loans and leases to core deposits | 121.8638% | 473 |
| Total domestic deposits to total assets | 83.1032% | 3,128 |
| Equity capital to assets | 16.3827% | 573 |
| Core capital (leverage) ratio | 16.3718% | 515 |
| Tier 1 risk-based capital ratio | 28.2225% | 559 |
| Total risk-based capital ratio | 29.0987% | 568 |
| Memoranda: | ||
| Average total assets | $392,125,000 | 1,780 |
| Average earning assets | $375,420,000 | 1,738 |
| Average equity | $62,195,500 | 1,347 |
| Average total loans | $333,116,750 | 1,491 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7147% | 2,316 |
| Cost of funding earning assets | 1.0538% | 1,482 |
| Net interest margin | 3.6609% | 3,069 |
| Noninterest income to average assets | 0.0612% | 5,136 |
| Noninterest expense to average assets | 2.1611% | 4,312 |
| Loan and lease loss provision to assets | -0.0240% | 5,143 |
| Net operating income to assets | 1.1305% | 2,401 |
| Return on assets (ROA) | 1.2175% | 2,141 |
| Pretax return on assets | 1.5373% | 1,736 |
| Return on Equity (ROE) | 7.7610% | 3,399 |
| Retained earnings to average equity (ytd only) | 7.7610% | 1,492 |
| Net charge-offs to loans | -0.0048% | 4,110 |
| Credit loss provision to net charge-offs | 587.5000% | 538 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6325% | 3,637 |
| Assets per employee ($millions) | 8.4822% | 556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5978% | 4,883 |
| Loan loss allowance to noncurrent loans | 71.7063% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.7023% | 1,950 |
| Noncurrent loans to loans | 0.8336% | 1,921 |
| Net loans and leases to total assets | 83.0880% | 460 |
| Net loans and leases to deposits | 101.3627% | 583 |
| Net loans and leases to core deposits | 121.9743% | 489 |
| Total domestic deposits to total assets | 81.9710% | 3,519 |
| Equity capital to assets | 15.7634% | 658 |
| Core capital (leverage) ratio | 15.8842% | 561 |
| Tier 1 risk-based capital ratio | 27.0344% | 620 |
| Total risk-based capital ratio | 27.8926% | 640 |
| Memoranda: | ||
| Average total assets | $392,118,000 | 1,790 |
| Average earning assets | $375,209,670 | 1,740 |
| Average equity | $61,512,670 | 1,352 |
| Average total loans | $334,562,330 | 1,494 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7091% | 2,195 |
| Cost of funding earning assets | 1.0064% | 1,546 |
| Net interest margin | 3.7027% | 2,882 |
| Noninterest income to average assets | 0.0453% | 5,225 |
| Noninterest expense to average assets | 2.1746% | 4,325 |
| Loan and lease loss provision to assets | -0.0473% | 5,256 |
| Net operating income to assets | 1.1573% | 2,229 |
| Return on assets (ROA) | 1.1573% | 2,285 |
| Pretax return on assets | 1.4566% | 1,898 |
| Return on Equity (ROE) | 7.3955% | 3,503 |
| Retained earnings to average equity (ytd only) | 7.3955% | 1,883 |
| Net charge-offs to loans | -0.0573% | 4,869 |
| Credit loss provision to net charge-offs | 95.8333% | 1,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6774% | 3,724 |
| Assets per employee ($millions) | 8.4309% | 575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6061% | 4,924 |
| Loan loss allowance to noncurrent loans | 105.9406% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 0.5073% | 2,593 |
| Noncurrent loans to loans | 0.5722% | 2,616 |
| Net loans and leases to total assets | 84.1299% | 360 |
| Net loans and leases to deposits | 108.3370% | 262 |
| Net loans and leases to core deposits | 124.9777% | 407 |
| Total domestic deposits to total assets | 77.6557% | 4,571 |
| Equity capital to assets | 15.5375% | 643 |
| Core capital (leverage) ratio | 15.9209% | 543 |
| Tier 1 risk-based capital ratio | 25.9754% | 688 |
| Total risk-based capital ratio | 26.8342% | 701 |
| Memoranda: | ||
| Average total assets | $388,845,000 | 1,814 |
| Average earning assets | $371,624,500 | 1,762 |
| Average equity | $60,847,500 | 1,356 |
| Average total loans | $335,226,500 | 1,498 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6422% | 2,009 |
| Cost of funding earning assets | 0.8562% | 1,277 |
| Net interest margin | 3.7860% | 2,714 |
| Noninterest income to average assets | 0.0216% | 5,317 |
| Noninterest expense to average assets | 2.2196% | 4,290 |
| Loan and lease loss provision to assets | -0.0388% | 5,170 |
| Net operating income to assets | 1.1413% | 2,428 |
| Return on assets (ROA) | 1.1442% | 2,414 |
| Pretax return on assets | 1.4620% | 1,905 |
| Return on Equity (ROE) | 7.4770% | 3,666 |
| Retained earnings to average equity (ytd only) | 7.4770% | 1,465 |
| Net charge-offs to loans | -0.0080% | 4,440 |
| Credit loss provision to net charge-offs | 565.3846% | 621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9935% | 3,688 |
| Assets per employee ($millions) | 8.1157% | 638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6062% | 4,958 |
| Loan loss allowance to noncurrent loans | 95.3521% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 0.5933% | 2,254 |
| Noncurrent loans to loans | 0.6357% | 2,396 |
| Net loans and leases to total assets | 87.3072% | 150 |
| Net loans and leases to deposits | 112.3537% | 198 |
| Net loans and leases to core deposits | 127.4629% | 364 |
| Total domestic deposits to total assets | 77.7074% | 4,534 |
| Equity capital to assets | 15.7633% | 572 |
| Core capital (leverage) ratio | 15.8123% | 549 |
| Tier 1 risk-based capital ratio | 25.4576% | 712 |
| Total risk-based capital ratio | 26.3141% | 725 |
| Memoranda: | ||
| Average total assets | $378,939,200 | 1,802 |
| Average earning assets | $362,068,800 | 1,761 |
| Average equity | $57,990,800 | 1,358 |
| Average total loans | $326,656,200 | 1,494 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5724% | 2,066 |
| Cost of funding earning assets | 0.8153% | 1,261 |
| Net interest margin | 3.7571% | 2,802 |
| Noninterest income to average assets | 0.0684% | 5,299 |
| Noninterest expense to average assets | 2.1206% | 4,502 |
| Loan and lease loss provision to assets | -0.0007% | 5,192 |
| Net operating income to assets | 1.2092% | 2,207 |
| Return on assets (ROA) | 1.2131% | 2,187 |
| Pretax return on assets | 1.5444% | 1,750 |
| Return on Equity (ROE) | 7.9873% | 3,557 |
| Retained earnings to average equity (ytd only) | 7.9873% | 1,662 |
| Net charge-offs to loans | 0.0086% | 3,110 |
| Credit loss provision to net charge-offs | -9.5238% | 4,085 |
| Earnings coverage of net charge-offs (x) | 207.8996% | 428 |
| Efficiency ratio | 57.9505% | 4,136 |
| Assets per employee ($millions) | 8.4007% | 547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6401% | 4,987 |
| Loan loss allowance to noncurrent loans | 79.5888% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 0.6922% | 2,122 |
| Noncurrent loans to loans | 0.8042% | 2,100 |
| Net loans and leases to total assets | 85.5261% | 310 |
| Net loans and leases to deposits | 107.1375% | 390 |
| Net loans and leases to core deposits | 122.8747% | 495 |
| Total domestic deposits to total assets | 79.8283% | 4,153 |
| Equity capital to assets | 15.2673% | 666 |
| Core capital (leverage) ratio | 15.7125% | 565 |
| Tier 1 risk-based capital ratio | 25.2033% | 735 |
| Total risk-based capital ratio | 26.1056% | 747 |
| Memoranda: | ||
| Average total assets | $378,315,000 | 1,812 |
| Average earning assets | $361,579,750 | 1,771 |
| Average equity | $57,456,750 | 1,368 |
| Average total loans | $324,557,250 | 1,508 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5517% | 1,933 |
| Cost of funding earning assets | 0.7889% | 1,179 |
| Net interest margin | 3.7628% | 2,701 |
| Noninterest income to average assets | 0.0719% | 5,348 |
| Noninterest expense to average assets | 2.1863% | 4,401 |
| Loan and lease loss provision to assets | -0.0005% | 5,281 |
| Net operating income to assets | 1.1841% | 2,260 |
| Return on assets (ROA) | 1.1901% | 2,238 |
| Pretax return on assets | 1.4898% | 1,851 |
| Return on Equity (ROE) | 7.8500% | 3,569 |
| Retained earnings to average equity (ytd only) | 7.8500% | 1,687 |
| Net charge-offs to loans | 0.0130% | 2,699 |
| Credit loss provision to net charge-offs | -4.7619% | 3,921 |
| Earnings coverage of net charge-offs (x) | 132.5238% | 574 |
| Efficiency ratio | 59.6023% | 3,990 |
| Assets per employee ($millions) | 8.4391% | 533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6488% | 5,032 |
| Loan loss allowance to noncurrent loans | 73.9840% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 0.7581% | 1,964 |
| Noncurrent loans to loans | 0.8769% | 1,977 |
| Net loans and leases to total assets | 85.8893% | 276 |
| Net loans and leases to deposits | 104.2409% | 515 |
| Net loans and leases to core deposits | 117.5148% | 654 |
| Total domestic deposits to total assets | 82.3950% | 3,595 |
| Equity capital to assets | 15.2412% | 646 |
| Core capital (leverage) ratio | 15.3901% | 593 |
| Tier 1 risk-based capital ratio | 24.8039% | 750 |
| Total risk-based capital ratio | 25.7106% | 772 |
| Memoranda: | ||
| Average total assets | $375,609,000 | 1,832 |
| Average earning assets | $358,985,330 | 1,780 |
| Average equity | $56,943,000 | 1,378 |
| Average total loans | $321,866,330 | 1,518 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5239% | 1,796 |
| Cost of funding earning assets | 0.7743% | 1,080 |
| Net interest margin | 3.7496% | 2,614 |
| Noninterest income to average assets | 0.0685% | 5,428 |
| Noninterest expense to average assets | 2.1696% | 4,492 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2362% | 1,865 |
| Return on assets (ROA) | 1.2486% | 1,823 |
| Pretax return on assets | 1.4971% | 1,689 |
| Return on Equity (ROE) | 8.2586% | 3,265 |
| Retained earnings to average equity (ytd only) | 8.2586% | 1,744 |
| Net charge-offs to loans | -0.0025% | 3,840 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4135% | 4,143 |
| Assets per employee ($millions) | 8.2704% | 569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6667% | 5,087 |
| Loan loss allowance to noncurrent loans | 79.3955% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 0.7389% | 2,096 |
| Noncurrent loans to loans | 0.8397% | 2,136 |
| Net loans and leases to total assets | 84.3601% | 401 |
| Net loans and leases to deposits | 102.0068% | 577 |
| Net loans and leases to core deposits | 114.7810% | 768 |
| Total domestic deposits to total assets | 82.7005% | 3,757 |
| Equity capital to assets | 14.9562% | 684 |
| Core capital (leverage) ratio | 15.3969% | 571 |
| Tier 1 risk-based capital ratio | 24.4450% | 801 |
| Total risk-based capital ratio | 25.3656% | 805 |
| Memoranda: | ||
| Average total assets | $373,533,000 | 1,849 |
| Average earning assets | $356,945,500 | 1,800 |
| Average equity | $56,474,500 | 1,400 |
| Average total loans | $318,647,500 | 1,527 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3547% | 2,165 |
| Cost of funding earning assets | 0.8055% | 596 |
| Net interest margin | 3.5492% | 3,345 |
| Noninterest income to average assets | 0.1280% | 5,304 |
| Noninterest expense to average assets | 2.1521% | 4,644 |
| Loan and lease loss provision to assets | -0.0005% | 5,280 |
| Net operating income to assets | 0.7530% | 3,380 |
| Return on assets (ROA) | 0.7214% | 3,554 |
| Pretax return on assets | 1.3033% | 2,333 |
| Return on Equity (ROE) | 4.8788% | 4,210 |
| Retained earnings to average equity (ytd only) | 4.8788% | 2,206 |
| Net charge-offs to loans | 0.0358% | 3,076 |
| Credit loss provision to net charge-offs | -1.8519% | 4,572 |
| Earnings coverage of net charge-offs (x) | 46.3704% | 1,159 |
| Efficiency ratio | 61.4146% | 4,032 |
| Assets per employee ($millions) | 7.9702% | 644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6849% | 5,100 |
| Loan loss allowance to noncurrent loans | 60.6026% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 0.9912% | 1,561 |
| Noncurrent loans to loans | 1.1302% | 1,565 |
| Net loans and leases to total assets | 85.1138% | 336 |
| Net loans and leases to deposits | 101.0839% | 652 |
| Net loans and leases to core deposits | 114.0025% | 797 |
| Total domestic deposits to total assets | 84.2012% | 3,122 |
| Equity capital to assets | 15.2880% | 627 |
| Core capital (leverage) ratio | 15.1552% | 596 |
| Tier 1 risk-based capital ratio | 24.8329% | 736 |
| Total risk-based capital ratio | 25.7867% | 747 |
| Memoranda: | ||
| Average total assets | $370,381,600 | 1,830 |
| Average earning assets | $352,328,000 | 1,785 |
| Average equity | $54,767,400 | 1,411 |
| Average total loans | $301,555,200 | 1,560 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3171% | 2,219 |
| Cost of funding earning assets | 0.8052% | 564 |
| Net interest margin | 3.5119% | 3,460 |
| Noninterest income to average assets | 0.1293% | 5,360 |
| Noninterest expense to average assets | 2.0086% | 4,932 |
| Loan and lease loss provision to assets | -0.0007% | 5,430 |
| Net operating income to assets | 1.0262% | 2,435 |
| Return on assets (ROA) | 1.0262% | 2,480 |
| Pretax return on assets | 1.4589% | 1,916 |
| Return on Equity (ROE) | 6.9987% | 3,663 |
| Retained earnings to average equity (ytd only) | 6.9987% | 1,687 |
| Net charge-offs to loans | 0.0326% | 2,782 |
| Credit loss provision to net charge-offs | -2.7397% | 4,365 |
| Earnings coverage of net charge-offs (x) | 55.6306% | 1,043 |
| Efficiency ratio | 57.9389% | 4,510 |
| Assets per employee ($millions) | 8.0469% | 620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7126% | 5,112 |
| Loan loss allowance to noncurrent loans | 59.4132% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 1.0142% | 1,668 |
| Noncurrent loans to loans | 1.1993% | 1,596 |
| Net loans and leases to total assets | 82.3246% | 631 |
| Net loans and leases to deposits | 99.1534% | 806 |
| Net loans and leases to core deposits | 112.2369% | 915 |
| Total domestic deposits to total assets | 83.0275% | 3,443 |
| Equity capital to assets | 15.1406% | 704 |
| Core capital (leverage) ratio | 15.3351% | 604 |
| Tier 1 risk-based capital ratio | 25.1953% | 727 |
| Total risk-based capital ratio | 26.1754% | 747 |
| Memoranda: | ||
| Average total assets | $371,320,000 | 1,834 |
| Average earning assets | $352,883,500 | 1,799 |
| Average equity | $54,446,750 | 1,430 |
| Average total loans | $298,393,250 | 1,585 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2745% | 2,212 |
| Cost of funding earning assets | 0.8122% | 499 |
| Net interest margin | 3.4624% | 3,534 |
| Noninterest income to average assets | 0.1286% | 5,407 |
| Noninterest expense to average assets | 2.0204% | 4,928 |
| Loan and lease loss provision to assets | -0.0005% | 5,512 |
| Net operating income to assets | 1.0266% | 2,304 |
| Return on assets (ROA) | 1.0266% | 2,346 |
| Pretax return on assets | 1.3957% | 2,038 |
| Return on Equity (ROE) | 7.0779% | 3,516 |
| Retained earnings to average equity (ytd only) | 7.0779% | 1,561 |
| Net charge-offs to loans | 0.0122% | 3,028 |
| Credit loss provision to net charge-offs | -5.5556% | 4,211 |
| Earnings coverage of net charge-offs (x) | 144.0556% | 517 |
| Efficiency ratio | 59.1525% | 4,445 |
| Assets per employee ($millions) | 8.1907% | 569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7427% | 5,103 |
| Loan loss allowance to noncurrent loans | 61.2674% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 1.0131% | 1,727 |
| Noncurrent loans to loans | 1.2123% | 1,607 |
| Net loans and leases to total assets | 81.3240% | 769 |
| Net loans and leases to deposits | 96.1609% | 1,064 |
| Net loans and leases to core deposits | 108.5699% | 1,076 |
| Total domestic deposits to total assets | 84.5708% | 2,993 |
| Equity capital to assets | 14.9319% | 715 |
| Core capital (leverage) ratio | 14.9748% | 633 |
| Tier 1 risk-based capital ratio | 25.1354% | 735 |
| Total risk-based capital ratio | 26.1555% | 743 |
| Memoranda: | ||
| Average total assets | $371,707,330 | 1,837 |
| Average earning assets | $352,880,330 | 1,806 |
| Average equity | $53,914,330 | 1,447 |
| Average total loans | $295,551,670 | 1,597 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2510% | 2,094 |
| Cost of funding earning assets | 0.8181% | 441 |
| Net interest margin | 3.4329% | 3,509 |
| Noninterest income to average assets | 0.1500% | 5,365 |
| Noninterest expense to average assets | 1.9953% | 5,060 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1530% | 1,655 |
| Return on assets (ROA) | 1.1530% | 1,691 |
| Pretax return on assets | 1.4102% | 1,854 |
| Return on Equity (ROE) | 8.0669% | 2,890 |
| Retained earnings to average equity (ytd only) | 8.0669% | 1,431 |
| Net charge-offs to loans | 0.0274% | 2,208 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 65.8000% | 751 |
| Efficiency ratio | 58.5903% | 4,649 |
| Assets per employee ($millions) | 8.5075% | 505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7631% | 5,168 |
| Loan loss allowance to noncurrent loans | 76.0000% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 0.8076% | 2,281 |
| Noncurrent loans to loans | 1.0040% | 2,043 |
| Net loans and leases to total assets | 77.8931% | 1,154 |
| Net loans and leases to deposits | 91.5383% | 1,376 |
| Net loans and leases to core deposits | 104.2236% | 1,210 |
| Total domestic deposits to total assets | 85.0934% | 3,047 |
| Equity capital to assets | 14.4156% | 783 |
| Core capital (leverage) ratio | 14.5529% | 695 |
| Tier 1 risk-based capital ratio | 25.4242% | 738 |
| Total risk-based capital ratio | 26.4713% | 738 |
| Memoranda: | ||
| Average total assets | $373,271,000 | 1,842 |
| Average earning assets | $353,991,000 | 1,805 |
| Average equity | $53,353,500 | 1,456 |
| Average total loans | $292,334,000 | 1,622 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2817% | 2,204 |
| Cost of funding earning assets | 0.8266% | 440 |
| Net interest margin | 3.4551% | 3,604 |
| Noninterest income to average assets | 0.1203% | 5,580 |
| Noninterest expense to average assets | 2.3170% | 4,517 |
| Loan and lease loss provision to assets | -0.0008% | 5,455 |
| Net operating income to assets | 0.6894% | 3,830 |
| Return on assets (ROA) | 0.6947% | 3,914 |
| Pretax return on assets | 1.0960% | 3,119 |
| Return on Equity (ROE) | 4.8005% | 4,515 |
| Retained earnings to average equity (ytd only) | 4.8005% | 2,471 |
| Net charge-offs to loans | 0.0021% | 4,203 |
| Credit loss provision to net charge-offs | -50.0000% | 4,816 |
| Earnings coverage of net charge-offs (x) | 651.8333% | 125 |
| Efficiency ratio | 68.0709% | 3,217 |
| Assets per employee ($millions) | 8.0915% | 584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7777% | 5,165 |
| Loan loss allowance to noncurrent loans | 60.6760% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 1.0497% | 1,798 |
| Noncurrent loans to loans | 1.2818% | 1,596 |
| Net loans and leases to total assets | 77.5329% | 1,280 |
| Net loans and leases to deposits | 90.8746% | 1,588 |
| Net loans and leases to core deposits | 106.5239% | 1,097 |
| Total domestic deposits to total assets | 85.3185% | 2,916 |
| Equity capital to assets | 14.1707% | 833 |
| Core capital (leverage) ratio | 14.3554% | 728 |
| Tier 1 risk-based capital ratio | 24.8419% | 785 |
| Total risk-based capital ratio | 25.8960% | 786 |
| Memoranda: | ||
| Average total assets | $359,856,600 | 1,851 |
| Average earning assets | $341,989,200 | 1,815 |
| Average equity | $52,077,800 | 1,472 |
| Average total loans | $286,513,400 | 1,579 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2770% | 2,236 |
| Cost of funding earning assets | 0.8220% | 446 |
| Net interest margin | 3.4551% | 3,649 |
| Noninterest income to average assets | 0.1151% | 5,658 |
| Noninterest expense to average assets | 2.2090% | 4,746 |
| Loan and lease loss provision to assets | -0.0007% | 5,620 |
| Net operating income to assets | 0.7888% | 3,418 |
| Return on assets (ROA) | 0.8349% | 3,343 |
| Pretax return on assets | 1.2662% | 2,548 |
| Return on Equity (ROE) | 5.7379% | 4,195 |
| Retained earnings to average equity (ytd only) | 5.7379% | 2,334 |
| Net charge-offs to loans | 0.0173% | 3,374 |
| Credit loss provision to net charge-offs | -5.4054% | 4,601 |
| Earnings coverage of net charge-offs (x) | 86.4632% | 727 |
| Efficiency ratio | 64.8847% | 3,778 |
| Assets per employee ($millions) | 8.0286% | 585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7787% | 5,249 |
| Loan loss allowance to noncurrent loans | 54.6657% | 4,626 |
| Noncurrent assets plus other real estate owned to assets | 1.1056% | 1,838 |
| Noncurrent loans to loans | 1.4245% | 1,524 |
| Net loans and leases to total assets | 77.0076% | 1,359 |
| Net loans and leases to deposits | 90.4224% | 1,702 |
| Net loans and leases to core deposits | 105.3630% | 1,245 |
| Total domestic deposits to total assets | 85.1642% | 2,731 |
| Equity capital to assets | 14.3581% | 912 |
| Core capital (leverage) ratio | 14.5623% | 707 |
| Tier 1 risk-based capital ratio | 25.4986% | 761 |
| Total risk-based capital ratio | 26.5716% | 763 |
| Memoranda: | ||
| Average total assets | $356,768,000 | 1,875 |
| Average earning assets | $339,665,250 | 1,835 |
| Average equity | $51,911,000 | 1,484 |
| Average total loans | $285,429,750 | 1,588 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3337% | 2,041 |
| Cost of funding earning assets | 0.8189% | 443 |
| Net interest margin | 3.5148% | 3,433 |
| Noninterest income to average assets | 0.1151% | 5,724 |
| Noninterest expense to average assets | 2.2758% | 4,673 |
| Loan and lease loss provision to assets | -0.0006% | 5,738 |
| Net operating income to assets | 0.8088% | 3,270 |
| Return on assets (ROA) | 0.8616% | 3,164 |
| Pretax return on assets | 1.2604% | 2,562 |
| Return on Equity (ROE) | 5.8946% | 4,096 |
| Retained earnings to average equity (ytd only) | 5.8946% | 2,187 |
| Net charge-offs to loans | 0.0161% | 3,196 |
| Credit loss provision to net charge-offs | -4.3478% | 4,442 |
| Earnings coverage of net charge-offs (x) | 90.6087% | 630 |
| Efficiency ratio | 65.8136% | 3,706 |
| Assets per employee ($millions) | 8.0559% | 548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7882% | 5,307 |
| Loan loss allowance to noncurrent loans | 53.6533% | 4,722 |
| Noncurrent assets plus other real estate owned to assets | 1.1649% | 1,808 |
| Noncurrent loans to loans | 1.4691% | 1,496 |
| Net loans and leases to total assets | 78.0163% | 1,203 |
| Net loans and leases to deposits | 91.7377% | 1,548 |
| Net loans and leases to core deposits | 107.2409% | 1,077 |
| Total domestic deposits to total assets | 85.0428% | 2,858 |
| Equity capital to assets | 14.4794% | 877 |
| Core capital (leverage) ratio | 14.6527% | 681 |
| Tier 1 risk-based capital ratio | 25.3729% | 782 |
| Total risk-based capital ratio | 26.4624% | 779 |
| Memoranda: | ||
| Average total assets | $352,585,000 | 1,898 |
| Average earning assets | $335,323,000 | 1,853 |
| Average equity | $51,539,000 | 1,496 |
| Average total loans | $285,028,330 | 1,594 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4079% | 1,782 |
| Cost of funding earning assets | 0.8210% | 440 |
| Net interest margin | 3.5869% | 3,138 |
| Noninterest income to average assets | 0.1254% | 5,712 |
| Noninterest expense to average assets | 2.4406% | 4,256 |
| Loan and lease loss provision to assets | -0.0012% | 5,854 |
| Net operating income to assets | 0.7817% | 3,341 |
| Return on assets (ROA) | 0.8757% | 2,987 |
| Pretax return on assets | 1.2266% | 2,596 |
| Return on Equity (ROE) | 5.9612% | 4,002 |
| Retained earnings to average equity (ytd only) | 5.9612% | 2,387 |
| Net charge-offs to loans | -0.0014% | 4,094 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0655% | 3,288 |
| Assets per employee ($millions) | 7.8213% | 607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7992% | 5,363 |
| Loan loss allowance to noncurrent loans | 56.4785% | 4,678 |
| Noncurrent assets plus other real estate owned to assets | 1.1425% | 1,926 |
| Noncurrent loans to loans | 1.4151% | 1,689 |
| Net loans and leases to total assets | 80.0872% | 797 |
| Net loans and leases to deposits | 94.3496% | 1,105 |
| Net loans and leases to core deposits | 110.5982% | 825 |
| Total domestic deposits to total assets | 84.8835% | 3,172 |
| Equity capital to assets | 14.6375% | 795 |
| Core capital (leverage) ratio | 14.8634% | 626 |
| Tier 1 risk-based capital ratio | 25.1836% | 793 |
| Total risk-based capital ratio | 26.2927% | 790 |
| Memoranda: | ||
| Average total assets | $347,620,500 | 1,928 |
| Average earning assets | $330,313,500 | 1,882 |
| Average equity | $51,063,500 | 1,504 |
| Average total loans | $285,009,000 | 1,590 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3089% | 2,202 |
| Cost of funding earning assets | 0.8378% | 407 |
| Net interest margin | 3.4710% | 3,632 |
| Noninterest income to average assets | 0.1225% | 5,799 |
| Noninterest expense to average assets | 2.1827% | 5,080 |
| Loan and lease loss provision to assets | -0.0443% | 5,728 |
| Net operating income to assets | 0.8884% | 2,938 |
| Return on assets (ROA) | 0.9306% | 2,785 |
| Pretax return on assets | 1.3728% | 2,012 |
| Return on Equity (ROE) | 6.6209% | 3,717 |
| Retained earnings to average equity (ytd only) | 6.6209% | 1,482 |
| Net charge-offs to loans | -0.0135% | 5,178 |
| Credit loss provision to net charge-offs | 405.2632% | 752 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2825% | 4,399 |
| Assets per employee ($millions) | 7.7982% | 612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7944% | 5,424 |
| Loan loss allowance to noncurrent loans | 66.5787% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 1.0361% | 2,119 |
| Noncurrent loans to loans | 1.1932% | 1,979 |
| Net loans and leases to total assets | 82.6536% | 526 |
| Net loans and leases to deposits | 97.4457% | 870 |
| Net loans and leases to core deposits | 114.9224% | 639 |
| Total domestic deposits to total assets | 84.8202% | 3,162 |
| Equity capital to assets | 14.7027% | 728 |
| Core capital (leverage) ratio | 14.5777% | 695 |
| Tier 1 risk-based capital ratio | 25.2774% | 794 |
| Total risk-based capital ratio | 26.4131% | 787 |
| Memoranda: | ||
| Average total assets | $347,825,000 | 1,879 |
| Average earning assets | $333,358,200 | 1,819 |
| Average equity | $48,891,000 | 1,530 |
| Average total loans | $281,281,600 | 1,547 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2602% | 2,363 |
| Cost of funding earning assets | 0.8433% | 394 |
| Net interest margin | 3.4169% | 3,884 |
| Noninterest income to average assets | 0.1047% | 5,945 |
| Noninterest expense to average assets | 2.1898% | 5,076 |
| Loan and lease loss provision to assets | -0.0573% | 5,929 |
| Net operating income to assets | 0.8982% | 2,969 |
| Return on assets (ROA) | 0.9780% | 2,664 |
| Pretax return on assets | 1.3646% | 2,159 |
| Return on Equity (ROE) | 7.0374% | 3,596 |
| Retained earnings to average equity (ytd only) | 7.0374% | 1,667 |
| Net charge-offs to loans | -0.0252% | 5,278 |
| Credit loss provision to net charge-offs | 283.0189% | 1,019 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6661% | 4,120 |
| Assets per employee ($millions) | 7.7534% | 606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8102% | 5,489 |
| Loan loss allowance to noncurrent loans | 58.4631% | 4,739 |
| Noncurrent assets plus other real estate owned to assets | 1.1889% | 1,987 |
| Noncurrent loans to loans | 1.3859% | 1,845 |
| Net loans and leases to total assets | 80.3494% | 770 |
| Net loans and leases to deposits | 97.4940% | 865 |
| Net loans and leases to core deposits | 115.4487% | 616 |
| Total domestic deposits to total assets | 82.4147% | 4,018 |
| Equity capital to assets | 14.2595% | 926 |
| Core capital (leverage) ratio | 14.3213% | 778 |
| Tier 1 risk-based capital ratio | 25.1205% | 845 |
| Total risk-based capital ratio | 26.2751% | 844 |
| Memoranda: | ||
| Average total assets | $349,001,000 | 1,890 |
| Average earning assets | $335,189,250 | 1,825 |
| Average equity | $48,501,750 | 1,544 |
| Average total loans | $280,133,750 | 1,560 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2294% | 2,430 |
| Cost of funding earning assets | 0.8554% | 371 |
| Net interest margin | 3.3740% | 3,992 |
| Noninterest income to average assets | 0.0968% | 6,041 |
| Noninterest expense to average assets | 2.2158% | 5,066 |
| Loan and lease loss provision to assets | -0.0860% | 6,072 |
| Net operating income to assets | 0.8302% | 3,212 |
| Return on assets (ROA) | 0.9432% | 2,790 |
| Pretax return on assets | 1.3855% | 2,044 |
| Return on Equity (ROE) | 6.8462% | 3,707 |
| Retained earnings to average equity (ytd only) | 6.8462% | 1,774 |
| Net charge-offs to loans | -0.0294% | 5,323 |
| Credit loss provision to net charge-offs | 365.8537% | 803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1591% | 3,977 |
| Assets per employee ($millions) | 7.7418% | 597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8145% | 5,566 |
| Loan loss allowance to noncurrent loans | 61.8518% | 4,706 |
| Noncurrent assets plus other real estate owned to assets | 1.1668% | 2,176 |
| Noncurrent loans to loans | 1.3168% | 2,042 |
| Net loans and leases to total assets | 79.6282% | 854 |
| Net loans and leases to deposits | 96.3467% | 931 |
| Net loans and leases to core deposits | 113.2701% | 698 |
| Total domestic deposits to total assets | 82.6475% | 4,081 |
| Equity capital to assets | 13.9714% | 987 |
| Core capital (leverage) ratio | 13.7118% | 926 |
| Tier 1 risk-based capital ratio | 25.4903% | 819 |
| Total risk-based capital ratio | 26.6787% | 812 |
| Memoranda: | ||
| Average total assets | $349,033,000 | 1,901 |
| Average earning assets | $336,453,670 | 1,828 |
| Average equity | $48,085,000 | 1,560 |
| Average total loans | $279,300,670 | 1,565 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2117% | 2,407 |
| Cost of funding earning assets | 0.8623% | 355 |
| Net interest margin | 3.3494% | 4,024 |
| Noninterest income to average assets | 0.0996% | 6,083 |
| Noninterest expense to average assets | 2.1903% | 5,179 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8073% | 3,222 |
| Return on assets (ROA) | 1.0431% | 2,205 |
| Pretax return on assets | 1.4701% | 1,661 |
| Return on Equity (ROE) | 7.6249% | 3,153 |
| Retained earnings to average equity (ytd only) | 7.6249% | 1,714 |
| Net charge-offs to loans | -0.0229% | 5,105 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8067% | 4,191 |
| Assets per employee ($millions) | 7.8787% | 574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8609% | 5,537 |
| Loan loss allowance to noncurrent loans | 56.2368% | 4,833 |
| Noncurrent assets plus other real estate owned to assets | 1.2199% | 2,192 |
| Noncurrent loans to loans | 1.5309% | 1,836 |
| Net loans and leases to total assets | 78.0491% | 915 |
| Net loans and leases to deposits | 97.1830% | 753 |
| Net loans and leases to core deposits | 114.3870% | 565 |
| Total domestic deposits to total assets | 80.3115% | 4,988 |
| Equity capital to assets | 13.5908% | 1,133 |
| Core capital (leverage) ratio | 13.8278% | 876 |
| Tier 1 risk-based capital ratio | 24.5599% | 933 |
| Total risk-based capital ratio | 25.7846% | 918 |
| Memoranda: | ||
| Average total assets | $349,358,000 | 1,901 |
| Average earning assets | $336,773,500 | 1,828 |
| Average equity | $47,790,500 | 1,573 |
| Average total loans | $279,106,500 | 1,561 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3780% | 2,293 |
| Cost of funding earning assets | 0.9024% | 385 |
| Net interest margin | 3.4757% | 3,879 |
| Noninterest income to average assets | 0.0692% | 6,245 |
| Noninterest expense to average assets | 2.7558% | 3,654 |
| Loan and lease loss provision to assets | -0.0095% | 5,914 |
| Net operating income to assets | 0.1773% | 5,811 |
| Return on assets (ROA) | 0.1726% | 5,868 |
| Pretax return on assets | 0.6501% | 4,782 |
| Return on Equity (ROE) | 1.2370% | 5,940 |
| Retained earnings to average equity (ytd only) | 1.2370% | 5,225 |
| Net charge-offs to loans | -0.0216% | 5,713 |
| Credit loss provision to net charge-offs | 54.2373% | 3,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9615% | 1,776 |
| Assets per employee ($millions) | 7.6495% | 618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8553% | 5,623 |
| Loan loss allowance to noncurrent loans | 66.5459% | 4,617 |
| Noncurrent assets plus other real estate owned to assets | 1.0900% | 2,570 |
| Noncurrent loans to loans | 1.2852% | 2,305 |
| Net loans and leases to total assets | 80.3847% | 691 |
| Net loans and leases to deposits | 100.5502% | 593 |
| Net loans and leases to core deposits | 119.2657% | 429 |
| Total domestic deposits to total assets | 79.9449% | 5,035 |
| Equity capital to assets | 13.7839% | 1,036 |
| Core capital (leverage) ratio | 13.7566% | 876 |
| Tier 1 risk-based capital ratio | 23.8079% | 976 |
| Total risk-based capital ratio | 25.0080% | 961 |
| Memoranda: | ||
| Average total assets | $336,706,200 | 1,929 |
| Average earning assets | $323,044,200 | 1,852 |
| Average equity | $46,968,000 | 1,537 |
| Average total loans | $272,820,400 | 1,559 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3685% | 2,355 |
| Cost of funding earning assets | 0.8936% | 428 |
| Net interest margin | 3.4749% | 3,921 |
| Noninterest income to average assets | 0.0506% | 6,380 |
| Noninterest expense to average assets | 2.8520% | 3,279 |
| Loan and lease loss provision to assets | -0.0024% | 6,061 |
| Net operating income to assets | 0.3361% | 5,469 |
| Return on assets (ROA) | 0.3353% | 5,544 |
| Pretax return on assets | 0.5308% | 5,235 |
| Return on Equity (ROE) | 2.3963% | 5,739 |
| Retained earnings to average equity (ytd only) | 2.3963% | 4,857 |
| Net charge-offs to loans | 0.0162% | 4,216 |
| Credit loss provision to net charge-offs | -18.1818% | 5,268 |
| Earnings coverage of net charge-offs (x) | 40.3020% | 1,125 |
| Efficiency ratio | 84.3382% | 1,351 |
| Assets per employee ($millions) | 7.5647% | 626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8368% | 5,777 |
| Loan loss allowance to noncurrent loans | 71.5034% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 0.9688% | 3,031 |
| Noncurrent loans to loans | 1.1703% | 2,722 |
| Net loans and leases to total assets | 80.7944% | 633 |
| Net loans and leases to deposits | 101.3091% | 535 |
| Net loans and leases to core deposits | 121.0836% | 377 |
| Total domestic deposits to total assets | 79.7504% | 5,161 |
| Equity capital to assets | 14.0110% | 1,002 |
| Core capital (leverage) ratio | 13.9805% | 848 |
| Tier 1 risk-based capital ratio | 23.8805% | 1,003 |
| Total risk-based capital ratio | 25.0452% | 996 |
| Memoranda: | ||
| Average total assets | $334,826,000 | 1,957 |
| Average earning assets | $320,956,250 | 1,875 |
| Average equity | $46,848,000 | 1,540 |
| Average total loans | $271,252,250 | 1,576 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4065% | 2,156 |
| Cost of funding earning assets | 0.8720% | 499 |
| Net interest margin | 3.5345% | 3,638 |
| Noninterest income to average assets | 0.0655% | 6,390 |
| Noninterest expense to average assets | 2.5624% | 4,375 |
| Loan and lease loss provision to assets | -0.0024% | 6,208 |
| Net operating income to assets | 0.5618% | 4,538 |
| Return on assets (ROA) | 0.5376% | 4,757 |
| Pretax return on assets | 0.8541% | 4,060 |
| Return on Equity (ROE) | 3.8440% | 5,209 |
| Retained earnings to average equity (ytd only) | 3.8440% | 3,733 |
| Net charge-offs to loans | 0.0267% | 3,657 |
| Credit loss provision to net charge-offs | -11.1111% | 5,079 |
| Earnings coverage of net charge-offs (x) | 41.1389% | 1,035 |
| Efficiency ratio | 74.2300% | 2,935 |
| Assets per employee ($millions) | 7.3988% | 661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8440% | 5,883 |
| Loan loss allowance to noncurrent loans | 66.0689% | 4,633 |
| Noncurrent assets plus other real estate owned to assets | 1.1124% | 2,852 |
| Noncurrent loans to loans | 1.2774% | 2,672 |
| Net loans and leases to total assets | 80.1217% | 677 |
| Net loans and leases to deposits | 100.4017% | 538 |
| Net loans and leases to core deposits | 120.1266% | 377 |
| Total domestic deposits to total assets | 79.8011% | 5,287 |
| Equity capital to assets | 13.8741% | 1,028 |
| Core capital (leverage) ratio | 13.9875% | 832 |
| Tier 1 risk-based capital ratio | 24.2623% | 951 |
| Total risk-based capital ratio | 25.4452% | 941 |
| Memoranda: | ||
| Average total assets | $332,964,330 | 1,963 |
| Average earning assets | $319,028,670 | 1,884 |
| Average equity | $46,565,670 | 1,539 |
| Average total loans | $269,218,330 | 1,585 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3524% | 2,317 |
| Cost of funding earning assets | 0.8263% | 647 |
| Net interest margin | 3.5261% | 3,585 |
| Noninterest income to average assets | 0.0680% | 6,429 |
| Noninterest expense to average assets | 2.8159% | 3,508 |
| Loan and lease loss provision to assets | -0.0036% | 6,375 |
| Net operating income to assets | 0.5306% | 4,553 |
| Return on assets (ROA) | 0.5163% | 4,684 |
| Pretax return on assets | 0.6135% | 4,785 |
| Return on Equity (ROE) | 3.6766% | 5,184 |
| Retained earnings to average equity (ytd only) | 3.6766% | 3,928 |
| Net charge-offs to loans | 0.0030% | 3,618 |
| Credit loss provision to net charge-offs | -150.0000% | 4,912 |
| Earnings coverage of net charge-offs (x) | 258.0000% | 184 |
| Efficiency ratio | 81.7925% | 1,953 |
| Assets per employee ($millions) | 7.1019% | 768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8709% | 5,945 |
| Loan loss allowance to noncurrent loans | 67.3434% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 1.1295% | 2,990 |
| Noncurrent loans to loans | 1.2933% | 2,869 |
| Net loans and leases to total assets | 80.3040% | 517 |
| Net loans and leases to deposits | 100.8332% | 405 |
| Net loans and leases to core deposits | 118.3343% | 353 |
| Total domestic deposits to total assets | 79.6404% | 5,559 |
| Equity capital to assets | 13.9412% | 939 |
| Core capital (leverage) ratio | 14.1066% | 786 |
| Tier 1 risk-based capital ratio | 24.1016% | 988 |
| Total risk-based capital ratio | 25.3070% | 975 |
| Memoranda: | ||
| Average total assets | $329,273,500 | 1,985 |
| Average earning assets | $315,138,000 | 1,908 |
| Average equity | $46,238,500 | 1,549 |
| Average total loans | $266,321,500 | 1,602 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2876% | 3,010 |
| Cost of funding earning assets | 0.8359% | 1,016 |
| Net interest margin | 3.4517% | 4,090 |
| Noninterest income to average assets | 0.0337% | 6,587 |
| Noninterest expense to average assets | 2.2274% | 5,564 |
| Loan and lease loss provision to assets | 0.1087% | 2,986 |
| Net operating income to assets | 0.6599% | 3,990 |
| Return on assets (ROA) | 0.6494% | 4,144 |
| Pretax return on assets | 1.0014% | 3,340 |
| Return on Equity (ROE) | 4.5739% | 4,851 |
| Retained earnings to average equity (ytd only) | 4.5739% | 2,905 |
| Net charge-offs to loans | 0.0390% | 4,683 |
| Credit loss provision to net charge-offs | 362.5000% | 632 |
| Earnings coverage of net charge-offs (x) | 37.5625% | 998 |
| Efficiency ratio | 66.4152% | 4,488 |
| Assets per employee ($millions) | 7.0600% | 737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8999% | 5,928 |
| Loan loss allowance to noncurrent loans | 59.6864% | 4,877 |
| Noncurrent assets plus other real estate owned to assets | 1.4445% | 2,578 |
| Noncurrent loans to loans | 1.5078% | 2,635 |
| Net loans and leases to total assets | 80.0233% | 593 |
| Net loans and leases to deposits | 99.0196% | 537 |
| Net loans and leases to core deposits | 116.9385% | 397 |
| Total domestic deposits to total assets | 80.8156% | 5,235 |
| Equity capital to assets | 14.1468% | 862 |
| Core capital (leverage) ratio | 14.3639% | 727 |
| Tier 1 risk-based capital ratio | 24.6627% | 892 |
| Total risk-based capital ratio | 25.9099% | 879 |
| Memoranda: | ||
| Average total assets | $320,155,000 | 2,008 |
| Average earning assets | $307,932,400 | 1,922 |
| Average equity | $45,453,400 | 1,540 |
| Average total loans | $245,925,400 | 1,689 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2687% | 3,119 |
| Cost of funding earning assets | 0.8404% | 1,093 |
| Net interest margin | 3.4284% | 4,174 |
| Noninterest income to average assets | 0.0096% | 6,722 |
| Noninterest expense to average assets | 2.2958% | 5,355 |
| Loan and lease loss provision to assets | 0.0965% | 3,151 |
| Net operating income to assets | 0.6171% | 4,272 |
| Return on assets (ROA) | 0.6115% | 4,429 |
| Pretax return on assets | 0.9116% | 3,832 |
| Return on Equity (ROE) | 4.3031% | 5,070 |
| Retained earnings to average equity (ytd only) | 4.3031% | 3,618 |
| Net charge-offs to loans | 0.0441% | 4,279 |
| Credit loss provision to net charge-offs | 288.7500% | 883 |
| Earnings coverage of net charge-offs (x) | 30.4012% | 1,230 |
| Efficiency ratio | 69.3123% | 3,870 |
| Assets per employee ($millions) | 7.6508% | 551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8883% | 6,081 |
| Loan loss allowance to noncurrent loans | 51.7763% | 5,153 |
| Noncurrent assets plus other real estate owned to assets | 1.4530% | 2,770 |
| Noncurrent loans to loans | 1.7157% | 2,623 |
| Net loans and leases to total assets | 76.6137% | 917 |
| Net loans and leases to deposits | 94.5122% | 796 |
| Net loans and leases to core deposits | 104.6303% | 843 |
| Total domestic deposits to total assets | 81.0622% | 5,199 |
| Equity capital to assets | 13.8518% | 1,004 |
| Core capital (leverage) ratio | 14.0077% | 870 |
| Tier 1 risk-based capital ratio | 25.3964% | 846 |
| Total risk-based capital ratio | 26.6413% | 828 |
| Memoranda: | ||
| Average total assets | $319,004,000 | 2,025 |
| Average earning assets | $307,311,500 | 1,936 |
| Average equity | $45,331,000 | 1,557 |
| Average total loans | $241,846,000 | 1,711 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2822% | 3,031 |
| Cost of funding earning assets | 0.8488% | 1,145 |
| Net interest margin | 3.4334% | 4,063 |
| Noninterest income to average assets | 0.0038% | 6,781 |
| Noninterest expense to average assets | 2.3568% | 5,186 |
| Loan and lease loss provision to assets | 0.0893% | 3,297 |
| Net operating income to assets | 0.5700% | 4,452 |
| Return on assets (ROA) | 0.5892% | 4,532 |
| Pretax return on assets | 0.8978% | 3,920 |
| Return on Equity (ROE) | 4.1104% | 5,175 |
| Retained earnings to average equity (ytd only) | 4.1104% | 3,676 |
| Net charge-offs to loans | 0.0294% | 4,275 |
| Credit loss provision to net charge-offs | 402.8571% | 652 |
| Earnings coverage of net charge-offs (x) | 43.2000% | 876 |
| Efficiency ratio | 71.1009% | 3,627 |
| Assets per employee ($millions) | 7.2564% | 643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9129% | 6,094 |
| Loan loss allowance to noncurrent loans | 45.1745% | 5,414 |
| Noncurrent assets plus other real estate owned to assets | 1.6227% | 2,676 |
| Noncurrent loans to loans | 2.0207% | 2,378 |
| Net loans and leases to total assets | 75.2689% | 1,073 |
| Net loans and leases to deposits | 90.7635% | 1,075 |
| Net loans and leases to core deposits | 100.7361% | 1,029 |
| Total domestic deposits to total assets | 82.9286% | 4,725 |
| Equity capital to assets | 14.1608% | 917 |
| Core capital (leverage) ratio | 14.2498% | 761 |
| Tier 1 risk-based capital ratio | 24.9351% | 881 |
| Total risk-based capital ratio | 26.1485% | 869 |
| Memoranda: | ||
| Average total assets | $315,677,670 | 2,049 |
| Average earning assets | $304,424,000 | 1,963 |
| Average equity | $45,251,330 | 1,565 |
| Average total loans | $237,693,000 | 1,738 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3573% | 2,667 |
| Cost of funding earning assets | 0.8651% | 1,177 |
| Net interest margin | 3.4921% | 3,728 |
| Noninterest income to average assets | 0.0038% | 6,844 |
| Noninterest expense to average assets | 2.4736% | 4,850 |
| Loan and lease loss provision to assets | 0.0701% | 3,462 |
| Net operating income to assets | 0.5607% | 4,407 |
| Return on assets (ROA) | 0.5607% | 4,564 |
| Pretax return on assets | 0.8296% | 4,045 |
| Return on Equity (ROE) | 3.8877% | 5,153 |
| Retained earnings to average equity (ytd only) | 3.8877% | 3,903 |
| Net charge-offs to loans | 0.0612% | 3,206 |
| Credit loss provision to net charge-offs | 152.7778% | 1,346 |
| Earnings coverage of net charge-offs (x) | 19.6111% | 1,213 |
| Efficiency ratio | 73.3283% | 3,386 |
| Assets per employee ($millions) | 7.2513% | 687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9001% | 6,260 |
| Loan loss allowance to noncurrent loans | 29.2251% | 6,056 |
| Noncurrent assets plus other real estate owned to assets | 2.4592% | 1,876 |
| Noncurrent loans to loans | 3.0798% | 1,624 |
| Net loans and leases to total assets | 75.1070% | 949 |
| Net loans and leases to deposits | 88.4436% | 1,103 |
| Net loans and leases to core deposits | 98.0806% | 1,074 |
| Total domestic deposits to total assets | 84.9208% | 4,082 |
| Equity capital to assets | 14.5638% | 858 |
| Core capital (leverage) ratio | 14.4852% | 677 |
| Tier 1 risk-based capital ratio | 25.3458% | 855 |
| Total risk-based capital ratio | 26.5394% | 841 |
| Memoranda: | ||
| Average total assets | $313,875,500 | 2,089 |
| Average earning assets | $302,851,500 | 1,989 |
| Average equity | $45,270,500 | 1,581 |
| Average total loans | $235,272,500 | 1,758 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4357% | 3,677 |
| Cost of funding earning assets | 0.9877% | 1,421 |
| Net interest margin | 3.4480% | 4,708 |
| Noninterest income to average assets | 0.0492% | 6,694 |
| Noninterest expense to average assets | 2.3705% | 5,493 |
| Loan and lease loss provision to assets | 0.3467% | 1,932 |
| Net operating income to assets | 0.4383% | 4,935 |
| Return on assets (ROA) | 0.4438% | 5,158 |
| Pretax return on assets | 0.6609% | 4,788 |
| Return on Equity (ROE) | 3.1819% | 5,478 |
| Retained earnings to average equity (ytd only) | 3.1819% | 3,989 |
| Net charge-offs to loans | 0.6116% | 1,909 |
| Credit loss provision to net charge-offs | 78.4034% | 3,878 |
| Earnings coverage of net charge-offs (x) | 2.2602% | 4,287 |
| Efficiency ratio | 70.3423% | 3,747 |
| Assets per employee ($millions) | 7.3475% | 667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9000% | 6,263 |
| Loan loss allowance to noncurrent loans | 25.5981% | 6,224 |
| Noncurrent assets plus other real estate owned to assets | 2.6628% | 1,813 |
| Noncurrent loans to loans | 3.5158% | 1,414 |
| Net loans and leases to total assets | 73.4690% | 1,263 |
| Net loans and leases to deposits | 86.2131% | 1,490 |
| Net loans and leases to core deposits | 95.2796% | 1,362 |
| Total domestic deposits to total assets | 85.2180% | 3,755 |
| Equity capital to assets | 14.2842% | 942 |
| Core capital (leverage) ratio | 14.1633% | 758 |
| Tier 1 risk-based capital ratio | 25.1320% | 840 |
| Total risk-based capital ratio | 26.3159% | 834 |
| Memoranda: | ||
| Average total assets | $317,278,600 | 2,020 |
| Average earning assets | $305,566,000 | 1,938 |
| Average equity | $44,250,000 | 1,578 |
| Average total loans | $229,408,200 | 1,779 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4535% | 3,815 |
| Cost of funding earning assets | 1.0197% | 1,452 |
| Net interest margin | 3.4338% | 4,905 |
| Noninterest income to average assets | 0.0487% | 6,810 |
| Noninterest expense to average assets | 2.3731% | 5,476 |
| Loan and lease loss provision to assets | 0.2632% | 2,467 |
| Net operating income to assets | 0.4737% | 4,938 |
| Return on assets (ROA) | 0.4807% | 5,177 |
| Pretax return on assets | 0.7279% | 4,754 |
| Return on Equity (ROE) | 3.4672% | 5,504 |
| Retained earnings to average equity (ytd only) | 3.4672% | 4,426 |
| Net charge-offs to loans | 0.6777% | 1,632 |
| Credit loss provision to net charge-offs | 54.0517% | 4,305 |
| Earnings coverage of net charge-offs (x) | 2.0138% | 4,263 |
| Efficiency ratio | 70.7598% | 3,542 |
| Assets per employee ($millions) | 7.2948% | 639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8135% | 6,569 |
| Loan loss allowance to noncurrent loans | 28.0048% | 6,214 |
| Noncurrent assets plus other real estate owned to assets | 2.2880% | 2,325 |
| Noncurrent loans to loans | 2.9050% | 1,924 |
| Net loans and leases to total assets | 72.9937% | 1,392 |
| Net loans and leases to deposits | 85.7533% | 1,630 |
| Net loans and leases to core deposits | 94.5456% | 1,527 |
| Total domestic deposits to total assets | 85.1206% | 3,696 |
| Equity capital to assets | 14.3164% | 1,032 |
| Core capital (leverage) ratio | 14.1991% | 774 |
| Tier 1 risk-based capital ratio | 25.1712% | 890 |
| Total risk-based capital ratio | 26.2326% | 900 |
| Memoranda: | ||
| Average total assets | $317,612,250 | 2,048 |
| Average earning assets | $305,699,000 | 1,951 |
| Average equity | $44,030,000 | 1,600 |
| Average total loans | $228,203,000 | 1,798 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4510% | 3,973 |
| Cost of funding earning assets | 1.0730% | 1,345 |
| Net interest margin | 3.3780% | 5,176 |
| Noninterest income to average assets | 0.0270% | 6,926 |
| Noninterest expense to average assets | 2.4953% | 5,151 |
| Loan and lease loss provision to assets | 0.2264% | 2,812 |
| Net operating income to assets | 0.3560% | 5,400 |
| Return on assets (ROA) | 0.3568% | 5,618 |
| Pretax return on assets | 0.5562% | 5,291 |
| Return on Equity (ROE) | 2.6019% | 5,843 |
| Retained earnings to average equity (ytd only) | 2.6019% | 4,882 |
| Net charge-offs to loans | 1.0434% | 1,049 |
| Credit loss provision to net charge-offs | 30.4384% | 4,435 |
| Earnings coverage of net charge-offs (x) | 1.0506% | 4,496 |
| Efficiency ratio | 76.1531% | 2,715 |
| Assets per employee ($millions) | 7.3831% | 617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6936% | 6,833 |
| Loan loss allowance to noncurrent loans | 24.3438% | 6,391 |
| Noncurrent assets plus other real estate owned to assets | 2.1838% | 2,558 |
| Noncurrent loans to loans | 2.8493% | 2,101 |
| Net loans and leases to total assets | 71.5230% | 1,642 |
| Net loans and leases to deposits | 83.6518% | 1,903 |
| Net loans and leases to core deposits | 91.9143% | 1,788 |
| Total domestic deposits to total assets | 85.5009% | 3,608 |
| Equity capital to assets | 13.9230% | 1,131 |
| Core capital (leverage) ratio | 13.8455% | 849 |
| Tier 1 risk-based capital ratio | 25.4268% | 858 |
| Total risk-based capital ratio | 26.3442% | 875 |
| Memoranda: | ||
| Average total assets | $318,924,670 | 2,031 |
| Average earning assets | $306,806,330 | 1,942 |
| Average equity | $43,737,670 | 1,600 |
| Average total loans | $227,323,670 | 1,800 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4835% | 3,993 |
| Cost of funding earning assets | 1.1681% | 1,115 |
| Net interest margin | 3.3154% | 5,418 |
| Noninterest income to average assets | 0.0939% | 6,779 |
| Noninterest expense to average assets | 2.7555% | 4,215 |
| Loan and lease loss provision to assets | 0.1214% | 3,825 |
| Net operating income to assets | 0.2786% | 5,726 |
| Return on assets (ROA) | 0.2803% | 5,886 |
| Pretax return on assets | 0.4054% | 5,707 |
| Return on Equity (ROE) | 2.0595% | 6,057 |
| Retained earnings to average equity (ytd only) | 2.0595% | 5,238 |
| Net charge-offs to loans | 1.6359% | 596 |
| Credit loss provision to net charge-offs | 10.4639% | 3,897 |
| Earnings coverage of net charge-offs (x) | 0.4520% | 4,120 |
| Efficiency ratio | 84.0137% | 1,681 |
| Assets per employee ($millions) | 7.9519% | 493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6970% | 6,878 |
| Loan loss allowance to noncurrent loans | 24.0383% | 6,420 |
| Noncurrent assets plus other real estate owned to assets | 2.3689% | 2,508 |
| Noncurrent loans to loans | 2.8996% | 2,228 |
| Net loans and leases to total assets | 70.8138% | 1,608 |
| Net loans and leases to deposits | 82.5915% | 1,848 |
| Net loans and leases to core deposits | 90.9576% | 1,755 |
| Total domestic deposits to total assets | 85.7398% | 3,663 |
| Equity capital to assets | 13.6892% | 1,148 |
| Core capital (leverage) ratio | 13.7034% | 878 |
| Tier 1 risk-based capital ratio | 25.3011% | 874 |
| Total risk-based capital ratio | 26.2189% | 897 |
| Memoranda: | ||
| Average total assets | $319,650,000 | 2,031 |
| Average earning assets | $307,173,500 | 1,943 |
| Average equity | $43,505,500 | 1,608 |
| Average total loans | $226,659,000 | 1,813 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7918% | 3,849 |
| Cost of funding earning assets | 1.4151% | 971 |
| Net interest margin | 3.3767% | 5,556 |
| Noninterest income to average assets | 0.0893% | 6,684 |
| Noninterest expense to average assets | 2.3085% | 6,022 |
| Loan and lease loss provision to assets | 0.3696% | 2,773 |
| Net operating income to assets | 0.3993% | 4,870 |
| Return on assets (ROA) | 0.4729% | 4,739 |
| Pretax return on assets | 0.7289% | 4,221 |
| Return on Equity (ROE) | 3.4833% | 5,080 |
| Retained earnings to average equity (ytd only) | 3.4833% | 3,738 |
| Net charge-offs to loans | 0.2535% | 4,190 |
| Credit loss provision to net charge-offs | 199.8270% | 1,257 |
| Earnings coverage of net charge-offs (x) | 5.3270% | 2,831 |
| Efficiency ratio | 70.0894% | 3,941 |
| Assets per employee ($millions) | 7.1383% | 682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6066% | 7,010 |
| Loan loss allowance to noncurrent loans | 24.4093% | 6,455 |
| Noncurrent assets plus other real estate owned to assets | 2.0879% | 2,858 |
| Noncurrent loans to loans | 2.4853% | 2,645 |
| Net loans and leases to total assets | 70.0823% | 2,014 |
| Net loans and leases to deposits | 81.4759% | 2,275 |
| Net loans and leases to core deposits | 89.0877% | 2,241 |
| Total domestic deposits to total assets | 86.0160% | 3,318 |
| Equity capital to assets | 13.5323% | 1,249 |
| Core capital (leverage) ratio | 13.5864% | 936 |
| Tier 1 risk-based capital ratio | 28.4803% | 587 |
| Total risk-based capital ratio | 29.3778% | 608 |
| Memoranda: | ||
| Average total assets | $312,540,200 | 2,052 |
| Average earning assets | $296,588,600 | 1,975 |
| Average equity | $42,430,800 | 1,581 |
| Average total loans | $228,035,800 | 1,818 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8751% | 3,658 |
| Cost of funding earning assets | 1.4406% | 1,060 |
| Net interest margin | 3.4345% | 5,445 |
| Noninterest income to average assets | 0.1078% | 6,714 |
| Noninterest expense to average assets | 2.2996% | 6,040 |
| Loan and lease loss provision to assets | 0.3845% | 2,550 |
| Net operating income to assets | 0.4250% | 4,883 |
| Return on assets (ROA) | 0.5224% | 4,627 |
| Pretax return on assets | 0.8244% | 4,039 |
| Return on Equity (ROE) | 3.8445% | 5,061 |
| Retained earnings to average equity (ytd only) | 3.8445% | 3,993 |
| Net charge-offs to loans | 0.1955% | 4,238 |
| Credit loss provision to net charge-offs | 267.1642% | 1,071 |
| Earnings coverage of net charge-offs (x) | 7.3432% | 2,375 |
| Efficiency ratio | 68.5140% | 4,215 |
| Assets per employee ($millions) | 7.4444% | 588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5950% | 7,088 |
| Loan loss allowance to noncurrent loans | 38.2901% | 5,732 |
| Noncurrent assets plus other real estate owned to assets | 1.5610% | 3,751 |
| Noncurrent loans to loans | 1.5538% | 3,955 |
| Net loans and leases to total assets | 69.2171% | 2,237 |
| Net loans and leases to deposits | 82.5502% | 2,249 |
| Net loans and leases to core deposits | 89.8675% | 2,268 |
| Total domestic deposits to total assets | 83.8485% | 4,301 |
| Equity capital to assets | 13.0915% | 1,566 |
| Core capital (leverage) ratio | 13.2029% | 1,150 |
| Tier 1 risk-based capital ratio | 26.9981% | 737 |
| Total risk-based capital ratio | 27.8475% | 751 |
| Memoranda: | ||
| Average total assets | $310,369,000 | 2,072 |
| Average earning assets | $293,566,750 | 2,003 |
| Average equity | $42,171,250 | 1,598 |
| Average total loans | $228,420,750 | 1,835 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8795% | 3,711 |
| Cost of funding earning assets | 1.4682% | 1,125 |
| Net interest margin | 3.4113% | 5,515 |
| Noninterest income to average assets | 0.0991% | 6,831 |
| Noninterest expense to average assets | 2.3831% | 5,895 |
| Loan and lease loss provision to assets | 0.2948% | 3,042 |
| Net operating income to assets | 0.4136% | 4,879 |
| Return on assets (ROA) | 0.4136% | 5,034 |
| Pretax return on assets | 0.6473% | 4,582 |
| Return on Equity (ROE) | 3.0047% | 5,389 |
| Retained earnings to average equity (ytd only) | 3.0047% | 4,367 |
| Net charge-offs to loans | -0.0936% | 7,152 |
| Credit loss provision to net charge-offs | -419.6262% | 6,476 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6683% | 3,806 |
| Assets per employee ($millions) | 7.2847% | 635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5907% | 7,147 |
| Loan loss allowance to noncurrent loans | 24.2604% | 6,561 |
| Noncurrent assets plus other real estate owned to assets | 1.8114% | 3,489 |
| Noncurrent loans to loans | 2.4347% | 2,952 |
| Net loans and leases to total assets | 72.6934% | 1,647 |
| Net loans and leases to deposits | 87.1476% | 1,632 |
| Net loans and leases to core deposits | 95.5937% | 1,722 |
| Total domestic deposits to total assets | 83.4142% | 4,579 |
| Equity capital to assets | 13.4656% | 1,314 |
| Core capital (leverage) ratio | 13.6217% | 965 |
| Tier 1 risk-based capital ratio | 24.9318% | 910 |
| Total risk-based capital ratio | 25.7239% | 940 |
| Memoranda: | ||
| Average total assets | $304,640,330 | 2,117 |
| Average earning assets | $288,102,000 | 2,053 |
| Average equity | $41,934,330 | 1,598 |
| Average total loans | $228,534,000 | 1,856 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0609% | 2,812 |
| Cost of funding earning assets | 1.4935% | 1,191 |
| Net interest margin | 3.5674% | 4,735 |
| Noninterest income to average assets | 0.1052% | 6,883 |
| Noninterest expense to average assets | 2.5331% | 5,439 |
| Loan and lease loss provision to assets | 0.2064% | 3,572 |
| Net operating income to assets | 0.4755% | 4,594 |
| Return on assets (ROA) | 0.4755% | 4,674 |
| Pretax return on assets | 0.7219% | 4,213 |
| Return on Equity (ROE) | 3.4153% | 5,187 |
| Retained earnings to average equity (ytd only) | 3.4153% | 4,143 |
| Net charge-offs to loans | -0.4906% | 7,408 |
| Credit loss provision to net charge-offs | -55.3571% | 5,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1820% | 3,651 |
| Assets per employee ($millions) | 7.0589% | 716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5396% | 7,260 |
| Loan loss allowance to noncurrent loans | 44.9143% | 5,308 |
| Noncurrent assets plus other real estate owned to assets | 1.1192% | 4,686 |
| Noncurrent loans to loans | 1.2014% | 4,677 |
| Net loans and leases to total assets | 74.8148% | 1,218 |
| Net loans and leases to deposits | 90.2726% | 1,203 |
| Net loans and leases to core deposits | 99.5424% | 1,379 |
| Total domestic deposits to total assets | 82.8766% | 4,972 |
| Equity capital to assets | 13.7445% | 1,084 |
| Core capital (leverage) ratio | 13.8902% | 877 |
| Tier 1 risk-based capital ratio | 25.6596% | 817 |
| Total risk-based capital ratio | 26.4111% | 845 |
| Memoranda: | ||
| Average total assets | $300,339,000 | 2,159 |
| Average earning assets | $282,559,000 | 2,096 |
| Average equity | $41,811,500 | 1,591 |
| Average total loans | $228,271,000 | 1,869 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3151% | 3,050 |
| Cost of funding earning assets | 1.5981% | 2,078 |
| Net interest margin | 3.7170% | 4,279 |
| Noninterest income to average assets | 0.0495% | 7,108 |
| Noninterest expense to average assets | 2.3048% | 6,346 |
| Loan and lease loss provision to assets | 0.2979% | 4,419 |
| Net operating income to assets | 0.6307% | 3,528 |
| Return on assets (ROA) | 0.5777% | 3,931 |
| Pretax return on assets | 0.8742% | 3,393 |
| Return on Equity (ROE) | 4.0821% | 4,486 |
| Retained earnings to average equity (ytd only) | 4.0821% | 3,002 |
| Net charge-offs to loans | 0.4494% | 3,814 |
| Credit loss provision to net charge-offs | 84.7507% | 5,357 |
| Earnings coverage of net charge-offs (x) | 3.5630% | 3,302 |
| Efficiency ratio | 64.7894% | 5,202 |
| Assets per employee ($millions) | 6.7533% | 839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3492% | 7,455 |
| Loan loss allowance to noncurrent loans | 47.6960% | 5,130 |
| Noncurrent assets plus other real estate owned to assets | 0.9352% | 5,140 |
| Noncurrent loans to loans | 0.7322% | 5,583 |
| Net loans and leases to total assets | 76.5368% | 1,173 |
| Net loans and leases to deposits | 92.2838% | 1,241 |
| Net loans and leases to core deposits | 99.7513% | 1,642 |
| Total domestic deposits to total assets | 82.9363% | 4,819 |
| Equity capital to assets | 14.1022% | 1,003 |
| Core capital (leverage) ratio | 14.1022% | 826 |
| Tier 1 risk-based capital ratio | 26.3866% | 724 |
| Total risk-based capital ratio | 26.8884% | 767 |
| Memoranda: | ||
| Average total assets | $291,003,800 | 2,205 |
| Average earning assets | $274,631,400 | 2,154 |
| Average equity | $41,179,400 | 1,607 |
| Average total loans | $227,635,400 | 1,916 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3292% | 3,214 |
| Cost of funding earning assets | 1.6079% | 2,343 |
| Net interest margin | 3.7213% | 4,300 |
| Noninterest income to average assets | 0.0419% | 7,310 |
| Noninterest expense to average assets | 2.3495% | 6,176 |
| Loan and lease loss provision to assets | 0.2501% | 4,588 |
| Net operating income to assets | 0.6392% | 3,705 |
| Return on assets (ROA) | 0.5670% | 4,189 |
| Pretax return on assets | 0.8512% | 3,728 |
| Return on Equity (ROE) | 4.0033% | 4,773 |
| Retained earnings to average equity (ytd only) | 4.0033% | 3,660 |
| Net charge-offs to loans | 0.4097% | 3,654 |
| Credit loss provision to net charge-offs | 77.6824% | 5,206 |
| Earnings coverage of net charge-offs (x) | 3.7553% | 3,311 |
| Efficiency ratio | 66.0238% | 4,852 |
| Assets per employee ($millions) | 6.8640% | 814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3497% | 7,569 |
| Loan loss allowance to noncurrent loans | 32.0983% | 6,201 |
| Noncurrent assets plus other real estate owned to assets | 1.2946% | 4,552 |
| Noncurrent loans to loans | 1.0893% | 5,063 |
| Net loans and leases to total assets | 76.9572% | 1,229 |
| Net loans and leases to deposits | 93.2273% | 1,294 |
| Net loans and leases to core deposits | 100.6171% | 1,787 |
| Total domestic deposits to total assets | 82.5479% | 4,777 |
| Equity capital to assets | 14.2605% | 1,100 |
| Core capital (leverage) ratio | 14.2907% | 864 |
| Tier 1 risk-based capital ratio | 27.3092% | 672 |
| Total risk-based capital ratio | 27.8252% | 709 |
| Memoranda: | ||
| Average total assets | $289,468,250 | 2,248 |
| Average earning assets | $273,553,000 | 2,188 |
| Average equity | $40,998,250 | 1,616 |
| Average total loans | $227,488,500 | 1,938 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3330% | 3,302 |
| Cost of funding earning assets | 1.6119% | 2,589 |
| Net interest margin | 3.7211% | 4,265 |
| Noninterest income to average assets | 0.0139% | 7,484 |
| Noninterest expense to average assets | 2.3841% | 6,105 |
| Loan and lease loss provision to assets | 0.3046% | 3,956 |
| Net operating income to assets | 0.5110% | 4,273 |
| Return on assets (ROA) | 0.4069% | 4,885 |
| Pretax return on assets | 0.7122% | 4,194 |
| Return on Equity (ROE) | 2.8793% | 5,287 |
| Retained earnings to average equity (ytd only) | 2.8793% | 4,307 |
| Net charge-offs to loans | 0.5094% | 3,002 |
| Credit loss provision to net charge-offs | 75.6477% | 4,822 |
| Earnings coverage of net charge-offs (x) | 2.9292% | 3,531 |
| Efficiency ratio | 66.9009% | 4,786 |
| Assets per employee ($millions) | 6.3981% | 1,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3548% | 7,630 |
| Loan loss allowance to noncurrent loans | 36.9595% | 5,895 |
| Noncurrent assets plus other real estate owned to assets | 1.2059% | 4,727 |
| Noncurrent loans to loans | 0.9601% | 5,386 |
| Net loans and leases to total assets | 79.1968% | 920 |
| Net loans and leases to deposits | 96.2134% | 1,027 |
| Net loans and leases to core deposits | 103.2746% | 1,706 |
| Total domestic deposits to total assets | 82.3138% | 4,863 |
| Equity capital to assets | 14.3714% | 1,046 |
| Core capital (leverage) ratio | 14.4276% | 830 |
| Tier 1 risk-based capital ratio | 27.5831% | 661 |
| Total risk-based capital ratio | 28.1223% | 694 |
| Memoranda: | ||
| Average total assets | $287,574,000 | 2,277 |
| Average earning assets | $274,329,330 | 2,203 |
| Average equity | $40,634,330 | 1,630 |
| Average total loans | $227,339,000 | 1,962 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3307% | 3,390 |
| Cost of funding earning assets | 1.6399% | 2,711 |
| Net interest margin | 3.6908% | 4,292 |
| Noninterest income to average assets | -0.0877% | 7,745 |
| Noninterest expense to average assets | 2.4843% | 5,789 |
| Loan and lease loss provision to assets | 0.4732% | 2,608 |
| Net operating income to assets | 0.3229% | 5,200 |
| Return on assets (ROA) | 0.3229% | 5,331 |
| Pretax return on assets | 0.4913% | 4,988 |
| Return on Equity (ROE) | 2.3048% | 5,630 |
| Retained earnings to average equity (ytd only) | 2.3048% | 4,754 |
| Net charge-offs to loans | 0.6002% | 2,306 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 2.0382% | 3,523 |
| Efficiency ratio | 72.0339% | 3,927 |
| Assets per employee ($millions) | 6.4956% | 994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4185% | 7,679 |
| Loan loss allowance to noncurrent loans | 38.4119% | 5,796 |
| Noncurrent assets plus other real estate owned to assets | 1.2874% | 4,601 |
| Noncurrent loans to loans | 1.0896% | 5,180 |
| Net loans and leases to total assets | 77.5739% | 1,224 |
| Net loans and leases to deposits | 93.7080% | 1,381 |
| Net loans and leases to core deposits | 102.7050% | 1,843 |
| Total domestic deposits to total assets | 82.7825% | 4,727 |
| Equity capital to assets | 13.9530% | 1,158 |
| Core capital (leverage) ratio | 13.9530% | 971 |
| Tier 1 risk-based capital ratio | 27.4796% | 675 |
| Total risk-based capital ratio | 28.1217% | 701 |
| Memoranda: | ||
| Average total assets | $287,404,500 | 2,333 |
| Average earning assets | $275,387,500 | 2,240 |
| Average equity | $40,263,000 | 1,669 |
| Average total loans | $226,593,500 | 2,018 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5617% | 3,803 |
| Cost of funding earning assets | 2.1033% | 2,444 |
| Net interest margin | 3.4584% | 5,133 |
| Noninterest income to average assets | -0.0346% | 7,754 |
| Noninterest expense to average assets | 2.4844% | 6,191 |
| Loan and lease loss provision to assets | 0.2356% | 5,486 |
| Net operating income to assets | 0.1982% | 4,908 |
| Return on assets (ROA) | 0.1973% | 4,974 |
| Pretax return on assets | 0.5780% | 3,962 |
| Return on Equity (ROE) | 1.3583% | 5,130 |
| Retained earnings to average equity (ytd only) | 1.3583% | 4,101 |
| Net charge-offs to loans | 0.1698% | 5,586 |
| Credit loss provision to net charge-offs | 163.9896% | 2,667 |
| Earnings coverage of net charge-offs (x) | 5.6736% | 2,531 |
| Efficiency ratio | 75.2961% | 3,654 |
| Assets per employee ($millions) | 6.0108% | 1,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4226% | 7,743 |
| Loan loss allowance to noncurrent loans | 25.9108% | 6,739 |
| Noncurrent assets plus other real estate owned to assets | 1.7844% | 3,695 |
| Noncurrent loans to loans | 1.6312% | 4,198 |
| Net loans and leases to total assets | 79.4780% | 1,094 |
| Net loans and leases to deposits | 96.4721% | 1,272 |
| Net loans and leases to core deposits | 139.5304% | 828 |
| Total domestic deposits to total assets | 82.3845% | 4,781 |
| Equity capital to assets | 14.0673% | 1,147 |
| Core capital (leverage) ratio | 13.7764% | 1,022 |
| Tier 1 risk-based capital ratio | 26.3085% | 741 |
| Total risk-based capital ratio | 26.9549% | 773 |
| Memoranda: | ||
| Average total assets | $268,680,600 | 2,433 |
| Average earning assets | $259,022,000 | 2,336 |
| Average equity | $39,018,200 | 1,716 |
| Average total loans | $227,372,800 | 2,042 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5915% | 3,915 |
| Cost of funding earning assets | 2.1816% | 2,486 |
| Net interest margin | 3.4099% | 5,221 |
| Noninterest income to average assets | -0.0578% | 7,904 |
| Noninterest expense to average assets | 2.5477% | 5,903 |
| Loan and lease loss provision to assets | 0.1996% | 5,396 |
| Net operating income to assets | 0.0390% | 5,630 |
| Return on assets (ROA) | 0.0377% | 5,674 |
| Pretax return on assets | 0.4851% | 4,563 |
| Return on Equity (ROE) | 0.2575% | 5,700 |
| Retained earnings to average equity (ytd only) | 0.2575% | 5,093 |
| Net charge-offs to loans | 0.2891% | 4,229 |
| Credit loss provision to net charge-offs | 80.3644% | 5,752 |
| Earnings coverage of net charge-offs (x) | 2.7652% | 3,849 |
| Efficiency ratio | 78.7690% | 3,040 |
| Assets per employee ($millions) | 6.0261% | 1,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2665% | 7,928 |
| Loan loss allowance to noncurrent loans | 15.7486% | 7,294 |
| Noncurrent assets plus other real estate owned to assets | 1.3653% | 4,355 |
| Noncurrent loans to loans | 1.6921% | 4,100 |
| Net loans and leases to total assets | 80.4749% | 1,092 |
| Net loans and leases to deposits | 97.1891% | 1,418 |
| Net loans and leases to core deposits | 139.5308% | 936 |
| Total domestic deposits to total assets | 82.8024% | 4,322 |
| Equity capital to assets | 13.7368% | 1,404 |
| Core capital (leverage) ratio | 13.5294% | 1,227 |
| Tier 1 risk-based capital ratio | 26.6739% | 778 |
| Total risk-based capital ratio | 27.0996% | 811 |
| Memoranda: | ||
| Average total assets | $265,224,000 | 2,476 |
| Average earning assets | $256,072,250 | 2,376 |
| Average equity | $38,837,500 | 1,747 |
| Average total loans | $227,845,000 | 2,067 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7369% | 3,361 |
| Cost of funding earning assets | 2.2652% | 2,506 |
| Net interest margin | 3.4717% | 4,932 |
| Noninterest income to average assets | -0.1219% | 8,044 |
| Noninterest expense to average assets | 2.5198% | 6,054 |
| Loan and lease loss provision to assets | 0.2075% | 4,970 |
| Net operating income to assets | -0.1009% | 6,014 |
| Return on assets (ROA) | -0.1103% | 6,068 |
| Pretax return on assets | 0.4838% | 4,676 |
| Return on Equity (ROE) | -0.7368% | 6,036 |
| Retained earnings to average equity (ytd only) | -0.7368% | 5,410 |
| Net charge-offs to loans | 0.3216% | 3,571 |
| Credit loss provision to net charge-offs | 73.4973% | 5,355 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 3,814 |
| Efficiency ratio | 78.1153% | 3,330 |
| Assets per employee ($millions) | 5.5802% | 1,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2692% | 8,012 |
| Loan loss allowance to noncurrent loans | 13.2133% | 7,421 |
| Noncurrent assets plus other real estate owned to assets | 1.7825% | 3,508 |
| Noncurrent loans to loans | 2.0374% | 3,464 |
| Net loans and leases to total assets | 86.0236% | 377 |
| Net loans and leases to deposits | 105.3046% | 810 |
| Net loans and leases to core deposits | 150.2297% | 647 |
| Total domestic deposits to total assets | 81.6903% | 4,820 |
| Equity capital to assets | 14.8354% | 1,072 |
| Core capital (leverage) ratio | 14.5779% | 1,004 |
| Tier 1 risk-based capital ratio | 26.9668% | 785 |
| Total risk-based capital ratio | 27.3981% | 824 |
| Memoranda: | ||
| Average total assets | $259,223,670 | 2,548 |
| Average earning assets | $249,961,330 | 2,442 |
| Average equity | $38,814,670 | 1,755 |
| Average total loans | $227,615,330 | 2,100 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8602% | 2,984 |
| Cost of funding earning assets | 2.3677% | 2,425 |
| Net interest margin | 3.4925% | 4,762 |
| Noninterest income to average assets | -0.3042% | 8,183 |
| Noninterest expense to average assets | 2.5968% | 5,463 |
| Loan and lease loss provision to assets | 0.1521% | 4,983 |
| Net operating income to assets | -0.6674% | 7,026 |
| Return on assets (ROA) | -0.6674% | 7,065 |
| Pretax return on assets | 0.3011% | 5,681 |
| Return on Equity (ROE) | -4.4367% | 6,932 |
| Retained earnings to average equity (ytd only) | -4.4367% | 6,480 |
| Net charge-offs to loans | 0.3416% | 2,720 |
| Credit loss provision to net charge-offs | 50.2564% | 4,673 |
| Earnings coverage of net charge-offs (x) | 1.4974% | 3,984 |
| Efficiency ratio | 85.1399% | 2,176 |
| Assets per employee ($millions) | 5.4958% | 1,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2658% | 8,059 |
| Loan loss allowance to noncurrent loans | 27.9871% | 6,690 |
| Noncurrent assets plus other real estate owned to assets | 0.9137% | 4,908 |
| Noncurrent loans to loans | 0.9499% | 5,098 |
| Net loans and leases to total assets | 88.4500% | 232 |
| Net loans and leases to deposits | 108.5374% | 697 |
| Net loans and leases to core deposits | 153.2084% | 617 |
| Total domestic deposits to total assets | 81.4927% | 4,749 |
| Equity capital to assets | 14.8771% | 1,136 |
| Core capital (leverage) ratio | 14.6523% | 1,045 |
| Tier 1 risk-based capital ratio | 26.1169% | 883 |
| Total risk-based capital ratio | 26.5387% | 928 |
| Memoranda: | ||
| Average total assets | $257,700,000 | 2,569 |
| Average earning assets | $247,501,000 | 2,471 |
| Average equity | $38,767,500 | 1,752 |
| Average total loans | $228,311,000 | 2,116 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1090% | 4,994 |
| Cost of funding earning assets | 3.0530% | 1,671 |
| Net interest margin | 3.0559% | 6,770 |
| Noninterest income to average assets | 0.0957% | 7,655 |
| Noninterest expense to average assets | 2.4525% | 6,194 |
| Loan and lease loss provision to assets | 0.1012% | 6,090 |
| Net operating income to assets | 0.4012% | 5,145 |
| Return on assets (ROA) | -0.9420% | 7,138 |
| Pretax return on assets | -0.8962% | 6,938 |
| Return on Equity (ROE) | -5.8829% | 6,955 |
| Retained earnings to average equity (ytd only) | -5.8829% | 6,650 |
| Net charge-offs to loans | 0.0865% | 5,510 |
| Credit loss provision to net charge-offs | 135.4497% | 3,936 |
| Earnings coverage of net charge-offs (x) | 7.3386% | 3,139 |
| Efficiency ratio | 81.7284% | 2,338 |
| Assets per employee ($millions) | 5.3562% | 1,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3103% | 8,076 |
| Loan loss allowance to noncurrent loans | 40.2279% | 6,046 |
| Noncurrent assets plus other real estate owned to assets | 0.9137% | 4,559 |
| Noncurrent loans to loans | 0.7713% | 5,105 |
| Net loans and leases to total assets | 88.2305% | 345 |
| Net loans and leases to deposits | 108.6436% | 926 |
| Net loans and leases to core deposits | 156.2600% | 659 |
| Total domestic deposits to total assets | 81.2110% | 4,552 |
| Equity capital to assets | 15.2110% | 1,110 |
| Core capital (leverage) ratio | 15.1998% | 982 |
| Tier 1 risk-based capital ratio | 26.7508% | 842 |
| Total risk-based capital ratio | 27.2354% | 883 |
| Memoranda: | ||
| Average total assets | $252,968,000 | 2,532 |
| Average earning assets | $240,483,000 | 2,450 |
| Average equity | $40,507,400 | 1,655 |
| Average total loans | $218,393,600 | 2,143 |